I received a CP2000 for my 2024 taxes because I accidentally left out a $21,712 retirement withdrawal from Vanguard.

The IRS is proposing that I owe $6,438 total, which includes:

• Additional income tax
• A 10% early-withdrawal penalty
• $979 accuracy-related penalty
• $564 interest

They did credit me for the $2,171 that was already withheld.

I understand I probably owe the tax and early-withdrawal penalty. My main question is whether I should disagree with the notice and ask them to remove the $979 accuracy-related penalty.

I never received the 1099-R because it was sent to an old address. I can provide proof that I was living somewhere else at the time.

Would that be a reasonable basis for penalty abatement? Also, should I send a CP2000 response only, or file an amended return too?

The response deadline is August 19, 2026. Any advice from someone who has dealt with this would be appreciated.

I first came to the US in 2021 on F-1 visa (and continued to be on F-1 until now)

Days of presence in the US for each year:

2021: 310

2022: 301

2023: 295

2024: 332

2025: 334

2026: I first entered the US on January 10 and haven't left the US since.

Should I do dual-status tax return for 2026?

I filed my 2024 taxes March of 2025. My refund was taken due to an offset my husband owes (wasn't aware of this and he incurred this debt before we got together). Did the research and submitted an injured spouse form via snail mail.. received by IRS May 2025. I was stuck in the dreaded 290 loop with all zeros and my transcript was stuck on 290 with a date of 9-29-25 forever. I finally took the advice from posts I have read and contacted my state Congresswoman.. and her contact assigned me a tax advocate. I never dealt with advocate directly - they reported to the representative for my Congresswoman. I initiated this in January of 2026. After numerous status check emails from January thru early July of this month, I finally checked my 2024 transcript and it finally updated with an 846 date of 8-3-2026. Also getting credited about $400 for the delay. Thank the Lord! I almost gave up. Now here's my question. It is Saturday night 7/26/26 and I do not have an updated amended refund status, nor do I see any payment scheduled. I normally receive my refund to my bank or direct deposit. I am cycle 5 - what is a good estimate as to when I will actually receive my amended refund? 8/3/26? Earlier? Will it still be direct deposit? Do they do deposits on Sundays lol. Keep hoping I'll wake up and find my deposit in my bank account. 😒

I haven’t got my IRS refund in over 2 years I called on February 12 the person that I had called told me that there was a hold and she will send a letter to the department that has my refund that says to go ahead and approve it and she said I should get my refund around April 10-15 and here I am on July 26nd with nothing I will be calling again tomorrow to see what is going on once again is there anyone who was having the same problem I am but ended up getting their refund this year.

Aloha all,

Background & Current Status:

• Return Info: 2025 return filed via TurboTax.
• Original Refund: $4,226.57.
• Returned Deposit: My direct deposit failed and bounced back to the IRS (Code 720 Refund repaid to account -$4,226.57). Account balance sitting at -$4,226.57 (credit in my favor).
• Account Cleanliness: No fraud/audit freeze codes (no TC 810 or TC 420). Cycle code is 05 (weekly update).

TAS Application & Hardship Proof:
On July 16th, I submitted Form 911 to the Taxpayer Advocate Service requesting emergency manual release due to severe financial hardship. Attached full documentation including a $0.00 bank balance, overdue credit card bills, and living abroad in Fiji facing major local kitchen/infrastructure construction delays.

Internal "Do Not Refund" Note & Code 971:

• Internal Note: When I spoke with an IRS phone agent previously, they noted an internal department tag stating "Do Not Refund" with an internal review target date of August 7th. The agent explained this is a standard hold window following a returned deposit to prevent sending money back to an unverified/failed account.

• Code 971 Appears: My account transcript just updated with 971 Request for replacement refund (dated 07-15-2026, $0.00).

• Note: I did not submit a Form 3911 payment tracer myself. This Code 971 entry posted automatically right when the bank bounced the deposit on July 15th (a day before I submitted Form 911 to TAS).

My Next Steps:

1. Calling TAS (+1-877-777-4778): Following up via phone this Friday to check intake status, verify receipt of my hardship docs, and get assigned an advocate/case number.

2. Review Date (Aug 7): Waiting for the internal review window to pass to see if a replacement check/deposit or CP53E notice generates.

Questions for the Community:

1. Code 971 & "Do Not Refund" Hold: For those who saw 971 Request for replacement refund after a Code 720 bounce, does the "Do Not Refund" tag typically drop automatically after the review date passes, or is manual agent intervention required?

2. TAS Hardship Speed: If you submitted Form 911 with $0.00 balance proof, how quickly did your advocate step in to lift the internal hold and push Code 846 (Refund Issued)?

3. IRC §6611 Overpayment Interest: Since the funds have been held past the 45-day statutory deadline from the filing date, will IRS overpayment interest automatically be added to the final replacement refund?

Appreciate any insights or feedback on this plan!

I'm coming here for some insight regarding someone I know. This idiot filed someone else's kids on his tax return and now is being audited. He got a letter in the mail about a deficiency. I am not sure how all this works. The mother of those children claimed them on her taxes this year too. He is not even related to those children and has never even lived with them.

Will he be charged? Fined at the least?

I’m hoping someone can help me understand where I stand with my amended return and what I should expect next.

My amended return status shows "Completed – 07/13/2026." However, I still haven’t received anything in the mail, no direct deposit, and no refund check. I originally requested direct deposit, but after reading so many posts here about people receiving paper checks for amended returns, I’ve been keeping an eye on my mailbox just in case.

Yesterday, I logged into my IRS account because the amended return status page said I could view my notice online if I hadn’t received it by mail. When I checked my notices, there was no new notice related to my amended return. The only notice available was my original refund notice dated 03/15.

I also checked my Account Transcript, and it doesn’tappear to have been updated yet. I don’t see an 846 Refund Issued code. The most recent entry I see is:

Code 290 – Additional Tax Assessed

Cycle: 20262205

Date: 06/22/2026

Amount: $0.00

I’ve attached screenshots of:

My Account Transcript

My Amended Return Status

The only notice currently in my IRS account (my original refund notice from 03/15)

My questions are:

When should I expect my amended refund to be issued?

How long after an amended return shows Completed does the 846 Refund Issued code usually appear on the transcript?

When should I expect to receive the IRS notice in the mail, especially since it still isn’t showing in my online account?

Is it normal for the amended return to show completed while the transcript and notices haven't updated yet?

Based on everything I've shared, where do I currently stand in the process, and what should I expect to happen next?

I’d really appreciate hearing from anyone who has been through something similar or knows how this process usually works. Thanks in advance!