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I had a similar situation but with student loans instead of state taxes. The WMR tool was completely useless compared to what happened with my credit card company - they at least send you an alert when they take money! After wasting hours on hold with the regular IRS number, I tried Claimyr (https://www.claimyr.com) and got through to an agent in about 15 minutes. They confirmed exactly how much was offset and how much I would still receive. Worth every penny compared to the days I spent trying to get answers last year.
Wouldn't it be nice if the IRS actually designed their systems to communicate with each other? Shouldn't a major government agency be able to update their refund tracker to show when money is being diverted elsewhere? Isn't it reasonable to expect transparency about where your tax refund is going? In my experience, you'll receive a notice (CP504) after the offset has already happened. The letter will explain which agency received your money and how much was taken. If you need this information sooner, your best bet is to request your tax account transcript, which will show the offset amount and date when it processes.
I went through this exact scenario last tax season. Had a DD date of March 15th, 2023, and was refreshing my bank account every 10 minutes like a crazy person. Nothing showed up until 3:42pm that day! The funny thing was that I called my bank at noon and they swore nothing was pending, then BAM - there it was a few hours later. Credit Karma seems to be consistent with late-day deposits. Last year I even tracked data from about 50 Reddit posts about deposit times, and Credit Karma users reported an average deposit time of 3:15pm on their designated date, with some as late as 5:30pm.
I think we should all remember that the IRS transcript date is just the day they initiate the payment... not necessarily when it will appear in your account. There are several steps in the process: IRS sends the payment instruction, the Treasury processes it, the ACH network handles the transfer, and then your bank has to post it to your account. Each step can take time, and some banks don't post deposits until their end-of-day processing. If your transcript shows today with code 846, I would say there's about a 95% chance you'll see it before midnight, and if not, it will almost certainly be there tomorrow morning.
Has anyone with the 01 cycle code noticed exactly how many days it took from acceptance to receiving their refund? I filed on January 31st, was accepted the same day, and I'm on day 22 with no DDD yet. Just wondering if there's a precise pattern for 01 cycle filers claiming child credits?
Have you checked if your return falls under PATH Act restrictions? Child Tax Credit claims typically trigger additional verification processes under the PATH Act, which prevents the IRS from issuing refunds before mid-February regardless of filing date. Did you see any specific codes on your transcript besides the cycle code?
According to Internal Revenue Manual 3.30.123, cycle codes are primarily administrative indicators used for the IRS's weekly processing schedule. The 01 cycle generally indicates Monday updates, but numerous factors can affect actual refund timing regardless of cycle code. Per the Taxpayer Advocate Service's 2023 report, returns claiming refundable credits like the Child Tax Credit undergo mandatory additional review under IRC Section 6402(m), which can add 2-3 weeks to processing time regardless of preparation method or banking institution. I appreciate everyone sharing their experiences as they provide real-world context to these regulatory frameworks.
OMG been thru this w/ my mom's taxes too. The reg IRS # is useless IMO. Try the TAS (Taxpayer Advocate) at 877-777-4778. They helped w/ my mom's return that was stuck for 2+ mos. Turns out there was an ID verify issue but the letter got lost in the mail?! TAS got it fixed in ~3 wks. Also check if there's a local TAS office near you - sometimes in-person is better. Good luck!
Here's a step-by-step approach I'd recommend: 1. First, check her transcript online if possible (irs.gov ā View Your Account ā Tax Records) 2. Look for specific codes like 570, 971 that indicate processing issues 3. Call the main IRS number (800-829-1040) between 7:00-7:15am Eastern 4. Follow this path: 1 ā 2 ā 1 ā 3 ā 2 ā enter SSN ā 2 ā 4 5. If unsuccessful after 2-3 attempts, try the Taxpayer Advocate at 877-777-4778 6. When speaking with a representative, ask specifically about "processing delays" and "verification holds" 7. Request they check if any notices were sent that may have been lost I was so relieved when this method finally got me answers about my father's delayed refund!
Benjamin Kim
Have you tried: ⢠Logging out completely and logging back in? ⢠Checking with a different browser? ⢠Confirming your TurboTax account email matches what you filed with? ⢠Contacting SBTPG directly instead of just checking the portal? Sometimes these technical issues have simple solutions.
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Samantha Howard
Same thing happened to me. DDD 2/26. Nothing on SBTPG. Called TurboTax. No help. Called SBTPG. On hold forever. Finally showed up March 1st. Got money March 2nd. System is broken this year. Just wait it out.
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