2024 Tax Refund ~$99K
2024 IRS Refund Still Not Paid — Transcript Shows Codes 570 and 810. IRS Told Me 90 Days After Identity Verification
TL;DR: We filed our 2024 married-filing-jointly federal return, and the IRS transcript shows a $99,682 refund. The return was processed in June 2025, but the refund still hasn't been issued. The transcript shows TC 570 (Additional Account Action Pending) and later TC 810 (Refund Freeze).
I received an IRS CP5071 identity-verification notice on April 24, 2025. I promptly called the number on the notice and successfully completed the identity verification. Over a year later, I eventually reached an IRS representative in June 2026, successfully answered identity-verification questions again, and was told I should receive the refund within 90 days. That 90-day period is coming up on September 1, 2026.
I'm hoping to get some opinions from people who have dealt with a similar situation, especially anyone familiar with IRS account transcripts and these transaction codes.
The timeline
2024 return: Married Filing Jointly
Return due date: April 15, 2025
Return processed: June 9, 2025
AGI: $597,681
Taxable income: $568,431
Tax per return: $142,912
Refund shown on transcript: $99,682
The transcript shows:
TC 150 — Tax return filed — 06/09/2025 — $142,912
TC 806 — W-2/1099 withholding — 04/15/2025 — -$194,072
TC 660 — Estimated tax payment — 09/13/2024 — -$36,392
TC 660 — Estimated tax payment — 01/14/2025 — -$12,130
TC 460 — Extension of time to file — 04/14/2025
TC 570 — Additional account action pending — 06/09/2025
TC 810 — Refund freeze — 10/17/2025
The transcript shows an account balance of -$99,682, with no accrued interest or penalty as of 11/10/2025.
Update from June 2026
Here's where things get interesting.
Around June 1, 2026, I called the IRS and was somehow able to get through to a representative. The representative asked me a series of identity-related questions, which I answered successfully.
After confirming my identity, I was told that I should receive my refund within 90 days from that point.
I realize that the 90 days technically hasn't expired yet. We're approaching the 90-day mark, which should be around September 1, 2026.
However, given that this refund has already been outstanding since 2025, I'm trying to understand what may be happening behind the scenes and what I should do if September 1 comes and goes without a refund.
What I'm trying to understand
I'm particularly interested in hearing from anyone who knows what the combination of 570 → 810 usually means.
Does TC 810 indicate that the IRS has identified a specific problem with the return, or can it simply mean the refund is being held while the IRS verifies something?
Also, does successfully completing the identity verification with an IRS representative in June normally result in the IRS releasing the refund within a specific timeframe?
What would you do?
If you've experienced something similar, I'd really appreciate your advice.
Did you have TC 570 followed by TC 810?
Did the IRS ask you identity-verification questions?
Were you given a 90-day timeframe?
Did the refund actually arrive within that timeframe?
Did your transcript change before the refund was issued?
Would you wait until the 90 days expires, or contact the IRS/TAS before then?
If September 1 passes with no refund, what would you recommend doing next?
I'm especially interested in hearing from anyone who has dealt with a large refund that was frozen for an extended period.
Thanks in advance. I'm trying to figure out whether I'm finally at the end of the process or whether I need to take additional steps once the 90-day period expires.
EDITED TO ADD:
One thing I forgot to mention in my original post:
We do have a CPA who prepared the return, and we've been in contact with him. His position is essentially that the IRS has to complete its review and there isn't much he can do to expedite it.
There are legitimate reasons for the size of the refund. I own a business and made a significant contribution to a retirement/cash-balance pension plan in 2024, which substantially reduced our taxable income. We also made estimated tax payments because we had previously been advised to do so, and my wife had additional federal withholding taken from her W-2. We've since corrected the withholding.
There were no business losses, gambling income/losses, or questionable credits involved.
My Wage & Income Transcript isn't currently available through my IRS account because I had an identity-theft issue about 7–8 years ago and have been required to use an IRS IP PIN since then. However, we're confident that the income and withholding were reported correctly—my wife's W-2 income and my business income were properly reported.
Hopefully that provides some additional context.