Tracking Your Tax Refund: What To Do If It’s Delayed

Tax season can be a stressful time, and waiting for your refund can add to the anxiety. This article dives into how to track your tax refund status and what steps to take if it hasn’t arrived yet. We’ll draw heavily on insights and resources to help you navigate the process smoothly.

Key Takeaways

• Use the IRS’s “Where’s My Refund?” tool for real-time status updates.
• Delays can occur due to errors, incomplete returns, or identity theft concerns.
• If your refund is significantly delayed, contact the IRS directly.
• Amending your return will extend the processing time.

Using the IRS “Where’s My Refund?” Tool

The quickest way to check on your tax refund is by using the IRS’s “Where’s My Refund?” tool. This tool is available on the IRS website and also as a mobile app, IRS2Go. To use it, you’ll need your Social Security number (or ITIN), filing status, and the exact amount of your expected refund. Make sure ya got those numbers handy, cause they’re important!

The tool updates once every 24 hours, usually overnight, so checking multiple times a day won’t give you more information. The status will typically show three stages: Return Received, Refund Approved, and Refund Sent. It usually takes 24-48 hours after the IRS acknowledges receipt of your e-filed return to appear in the system, so don’t panic if you don’t see anything right away. If you mailed in a paper return, it can take up to four weeks for it to show up.

Why Your Refund Might Be Delayed

Several factors can cause delays in receiving your tax refund. Common reasons include errors in your return, such as incorrect Social Security numbers or miscalculated figures. An incomplete return will definitely cause a delay, so double-check everything before you file. The IRS might also delay refunds if they suspect identity theft or fraud. Oh, and if you filed an amended return, expect it to take significantly longer – those take a while to process.

Another thing, if you claimed an Earned Income Tax Credit (EITC) or Additional Child Tax Credit (ACTC), the IRS generally doesn’t issue refunds before mid-February, so don’t expect a refund super early if ya claimed those credits.

What to Do If Your Refund Is Taking Too Long

If the “Where’s My Refund?” tool indicates a problem or if you haven’t received your refund within 21 days of filing electronically (or six weeks of mailing a paper return), it might be time to contact the IRS. Before calling, gather all your tax documents, including a copy of your return and any correspondence you’ve received from the IRS. Keep in mind that calling the IRS won’t necessarily speed up your refund, but it can provide clarity on potential issues.

You can call the IRS at the number listed on their website or in official correspondence. Be prepared for long wait times, especially during peak tax season. Alternatively, you can try contacting your local IRS Taxpayer Assistance Center, but keep in mind that appointments are usually required.

Understanding IRS Notices and Letters

Sometimes, instead of a refund, you might receive a notice or letter from the IRS. Don’t ignore these! They often contain important information about your return or account. The notice could be requesting additional information, explaining a change made to your return, or notifying you of a balance due. Read the notice carefully and respond promptly, following the instructions provided. If you’re unsure about anything, consider seeking help from a tax professional. It’s always better to get help if you’re not sure, trust me!

Direct Deposit vs. Mailed Check

The fastest way to receive your tax refund is typically through direct deposit. Make sure you provide the correct bank account and routing numbers when filing your return to avoid delays. If you choose to receive a mailed check, be aware that it could take longer to arrive, especially during peak tax season or if you’ve moved recently. If you’re expecting a large refund, consider the security of having it directly deposited into your account rather than relying on the mail.

Addressing Common Issues

One common issue is entering incorrect bank information, which can cause the direct deposit to fail and the IRS to issue a paper check instead. Another frequent problem is miscalculating the amount of your refund, which can lead to discrepancies and delays. If you think you made a mistake on your return, you might need to amend your return, but remember that this will significantly extend the processing time.

Also, be aware of scams. The IRS will never ask for personal or financial information via email or text message. If you receive a suspicious communication claiming to be from the IRS, don’t respond and report it to the IRS.

How Many Years Back Can You File Taxes?

In general, the IRS allows you to file back taxes for up to three years to claim a refund. Filing later than that means you generally forfeit any refund due to you for those years. It’s important to note that there might be penalties and interest on any unpaid taxes, so filing your taxes on time is always the best course of action. Consider catching up on any unfiled returns if you are behind.

Frequently Asked Questions

How long does it usually take to get a tax refund?

The IRS typically issues refunds within 21 days for electronically filed returns. Paper returns can take six weeks or longer.

What does “Refund Approved” mean on the “Where’s My Refund?” tool?

“Refund Approved” means the IRS has processed your return and approved your refund amount.

Can I track my refund if I filed a paper return?

Yes, but it takes longer for paper returns to show up in the system – up to four weeks after the IRS receives it.

What should I do if I never received my refund check?

Contact the IRS to request a refund trace. They’ll investigate and issue a replacement check if necessary.

Where can I learn more about Form 8888?

You can read about Form 8888 at this link to understand how to allocate your refund.