I just had the exact same experience! Transcript N/A for weeks then suddenly everything appeared at once. My timeline was almost identical - filed 2/9, accepted 2/10, transcript updated last night, DD date for 2/26. I have 2 kids, claimed CTC and education credits too. The relief is immense. I was checking WMR and transcripts multiple times daily and driving myself crazy.

Be careful with getting too excited before the money actually hits your account. Last year my transcript showed a DD date but then I got hit with a 570/971 combo code two days before my scheduled deposit. Turned out there was an income verification issue that took another 60 days to resolve. Not trying to rain on your parade, but I've learned the hard way that nothing is certain until the money is actually in your account. Double-check that you don't have any offset indicators or verification codes.

I was in your exact situation last month. DDD of 2/21, nothing for days. Called my bank, they had no record. Called IRS, they confirmed it was sent. Was about to panic when it suddenly appeared in my account on day 6! Have you considered whether your bank might have a hold policy for large deposits? Many do this automatically as a fraud prevention measure, but don't clearly communicate it to customers. Patience paid off in my case.

This could be an ACH Rejection scenario. When the bank information doesn't match IRS records precisely, the Electronic Fund Transfer (EFT) gets rejected. IRS then issues a paper check automatically, but this extends the timeline by 4-6 weeks. Monitor your Informed Delivery from USPS to catch the check when it arrives.

Been there, done that, got the t-shirt! 😅 When this happened to me last year, I spent 3 days trying to get through to the IRS on their regular line. Finally used Claimyr (https://youtu.be/_kiP6q8DX5c) and got connected to an agent in like 15 minutes. They explained it's just a display issue in their system and nothing to worry about. Apparently it happens more often with certain tax prep software - Credit Karma being one of them. Saved me from going gray over nothing!

Have you considered that this might actually be by design? The IRS has been modernizing their systems gradually, and perhaps they're streamlining some of the tracking elements that aren't essential for taxpayers. As long as you have your deposit confirmation from your bank and the refund amount matches what you expected, isn't that what really matters? You could always request a wage and income transcript as additional documentation if you're concerned about record-keeping.

I might be able to provide some helpful context here. My grandmother, who primarily relies on Social Security, encountered a somewhat similar situation. She didn't receive her second Child Tax Credit payment, which was possibly due to an address change we had submitted. We essentially had to file a 1040 for her, even though she normally wouldn't need to file. The process was relatively straightforward, but there were a few potential complications: 1. If your mom has dependent children still qualifying for the credit, you'll need their information 2. She might need to create an online account with the IRS to verify previous payments 3. The IRS might request verification of eligibility if this is a newer situation

I helped my uncle through this exact situation last year. The IRS actually has a specific process for non-filers who need to claim missing credits. I created an account on the IRS website, downloaded his tax transcripts, and confirmed which payments he had received. Then we filed a simple return claiming just the missing credit. It took about 23 days from filing to receiving the payment. One thing to watch for - if your mom has moved or changed bank accounts since the first payment, make sure to update that information on the return to avoid further delays.

Be careful about counting on refund timing. My brother got his deposit notification. Money showed pending. Bank put a 5-day hold on it. Then IRS pulled it back due to verification issues. Took 2 more months to resolve. Don't spend it until it's fully cleared your account and the hold period is over.

Did you have any credits that might have delayed processing? Step 1: Did you claim EITC? Step 2: Any Child Tax Credit? Step 3: Recovery Rebate Credit from previous years? Step 4: Education credits? I'm trying to figure out why some people get theirs so quickly while others wait months...