This sounds like a classic case of the IRS's automatic split allocation system. Unlike stimulus payments which were one-time distributions, the Child Tax Credit has ongoing monthly payments with more complex rules. In comparison, when there was an issue with my Earned Income Credit, it was resolved with a single phone call because it wasn't subject to the same allocation algorithms. Your best approach is to contact the IRS directly and specifically mention that you have full custody per a court order and the payments should not be split. Have your divorce decree ready when you call.

I experienced this exact issue on April 15th last year! The IRS had somehow reactivated my ex-spouse's claim despite our divorce agreement clearly stating I had full custody and tax benefit rights. When I finally reached an agent on April 18th, they explained their system had automatically split the payment due to conflicting information in their database. Here's the critical part: they can fix it, but you MUST provide the exact date of your divorce finalization and reference the custody agreement. Without those specific details, they'll just tell you to claim the difference on your tax return instead of fixing the monthly payments.

I experienced this exact scenario last year. My 2021 Form 1040 remained unprocessed while my 2022 return was fully processed within 21 days of e-filing. The key factor is the processing pathway. Current-year electronic returns typically follow the Automated Under-Reporter (AUR) pathway, while prior-year returns, especially paper submissions, are routed through the Submission Processing Center (SPC) workflow. When I contacted the IRS through the Practitioner Priority Service line, they confirmed these are parallel processes with separate resource allocations and timeline metrics.

Hate to be the bearer of bad news but my 2021 return is STILL unprocessed and we're in 2024 now. IRS processed my 2022 and 2023 returns no prob. When I finally got thru to someone, turns out my 2021 return got flagged for identity verification but they never sent the letter. Now I'm stuck in bureaucratic hell trying to prove I'm me from 3 yrs ago. Check ur mail carefully and don't assume no news is good news w/ the IRS. They can process returns out of order and it can bite u later.

Here's what you need to do step-by-step: 1. First, call your auto loan company again and specifically ask for your "credit reporting account number" - explain it's for IRS verification 2. If that doesn't work, try the ID.me verification method instead of the financial verification 3. If you're still stuck, call the IRS directly at 800-908-9946 to request transcripts by mail When I faced this same issue last month, I wasted hours trying different number formats. Eventually I used Claimyr (https://claimyr.com) to get through to an IRS agent who helped me verify my identity over the phone. Saved me days of frustration and got my transcripts mailed out that same day.

The IRS ID verification system uses what's called a "Knowledge-Based Authentication" protocol that pulls data from multiple sources. Your auto loan may be reported differently in their database than what appears on your statements. One workaround is to use the ID.me verification method instead, which uses facial recognition and document verification rather than financial account matching. You can select this option from the IRS login page by choosing "ID.me" instead of "IRS account." I was surprised at how complicated this system is for basic transcript access!

I'm a tax preparer and we're seeing TONS of delays this year, especially with TaxSlayer and other similar services. The IRS is overwhelmed with early filers. If your return is straightforward, you should see movement within 21 business days from acceptance (which would be around March 14th). If it goes beyond that, then you should start making calls.

Tax topic 152 is actually a good sign! It means your return is being processed normally. The IRS is just moving slower than usual this year. My brother filed same day as you and just got his deposit yesterday, so yours might be coming soon!

I was in your exact situation last year. When my refund got delayed: • Called IRS 14 times • Spent 3+ hours on hold • Got disconnected twice • Finally reached someone who confirmed PayPal was causing the delay This year I used Claimyr (https://claimyr.com) and got through to an IRS agent in 15 minutes. They confirmed my PayPal deposit was scheduled correctly. Worth every penny not to waste a day on hold.

There's a significant misconception regarding Treasury Disbursement protocols for third-party financial platforms. The Automated Clearing House (ACH) network processes IRS refunds according to established Federal Reserve parameters, but PayPal operates as a Financial Service Provider (FSP) rather than a traditional depository institution. This distinction means they're not bound by the same Regulation E requirements for immediate fund availability. Most users report receiving funds on the actual DDD, not before.