Offset but still got refund?

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  • #19479 Reply

      I have an offset and website says they are taking my entire refund this year BUT the entire refund got deposited into my bank account this morning….? Will they take it back?

    Viewing 75 replies - 151 through 225 (of 238 total)
    • Author
    • #4223590 Reply
      Angela Jacobs

        I looked at wmr and it says approved. Then underneath says topic 203. I called and it says they are taking full refund for us department of education. They haven’t touched my refund in over 7 years and I’m going through student dept relief. My dd is Feb 22 on my card, will I get my refund our not. This is stressful…..

        #4189116 Reply

          Hi I called the offset line and it says my refund may be offset and wmr says its still processing and no date for offset or refund ,is there a chance the IRS will still deposit my refund in my bank

          #4139024 Reply

            My question is to Drew.. Mine is saying the same… Do you have any news or still waiting?

            #4138144 Reply

              Was it ACTUALLY deposited or did it just say they sent it and you still waiting to recieve it? I just called the offset line it says they took it all but the irs site says mine was sent feb 10??

              #4132132 Reply

                Im interested also

                My loans were transferred to a new collection agency 1/03/16. They were transferred to government agency..
                They are still open and it says no missed payments on the transfer

                I found all that on my credit report.. They did not inform me of this debt being transferred or about establishing a payment.

                Worried it may affect refund.. I was going to call Monday to set up payment plan..

                Called offset line and it says nothing.. No offsets.. Still worried they might show up..

                Still 1 bar and tax topic 152
                Under review after ID verify

                Any advice or experience would be great..

                #4132075 Reply

                  Says I have an offset of 3,699… Topic 203. First year filing , by chance is there any way they can mistakenly not take it out?

                  #4116711 Reply

                    Well, I called the Offset line and it says that they “MAY” offset but doesn’t give me an amount or anything, just a number for the state of Oregon. This last year I had court with my ex, where the judge ordered me to pay half of the child care for the last 3 months (which she had originally agreed with me to pay in full) and so it went retroactive. Well I have been paying on it, and I still owe $300 bucks. HOWEVER, everywhere I look, it says that unless she is on, A.) TANF or B.) The balance is more than $500; then it doesn’t meet the requirements to offset.

                    So I am kinda of in a bind wondering if they are actually going to or not??? It would be nice to know, so I know what to expect and how much I am getting.. 300 bucks is 300 bucks (especially when in mediation she agreed to pay the full amount and then 6 mos. later in court went back on it and played helpless)..
                    When I call the offset line, it says it may be offset, but EVERYWHERE I have looked online it says it doesn’t meet the requirements for federal refund offset. SO, my fingers are crossed and I am hoping that it doesn’t offset.. Anybody know anything about this situation? Thanks.

                    #4115087 Reply

                      Toya, are you sure that the letter came from the IRS and that it is not a scam? Call the IRS, not the number listed on any letter you got in the mail. They will tell you what you need to know. As everyone’s tax situation is different, it is impossible to gauge whether they will be amicable or not. If it is a legitimate offset, the IRS can and will seize your return. If your return was direct deposited, they can debit or freeze your bank account to satisfy the outstanding balance. As I stated earlier, it would be best to contact the IRS as it is impossible to determine or guess as to what the outcome may be.

                      Best of luck

                      #4115022 Reply

                        I have not received a letter saying they was taking my refund but I call TOP….. AND THEY SAY MY REFUND MAY BE TAKEN. WILL THIS REALLY HAPPEN ESPECIALLY IF I’M IN A REHABILITATION PROGRAM

                        #20772 Reply

                          Got ddd for the 20th with code 203….hoping an praying I don’t get offset…definately need $$$ right now..

                          #21702 Reply

                            So, what’s the verdict with those who got the refund? Did the IRS take it back out of your accounts???

                            #21361 Reply
                            Snail Mail in NV

                              I was declared to have over $1K returned but I, too, am hit with the DAMNED Topic 203…I had the return mailed to my house instead of direct deposited. Any luck on that direction, anyone know?

                              #21310 Reply

                                I called my bank they told me my refund was pending in my account for the 17th could it be available be fore then

                                #20996 Reply
                                  #20995 Reply

                                    I am starting this website based in recent information I have obtained throughout my own investigation of AAFES collection procedures. I am not going to lie I owed AAFES 3500 dollars when I exited the military on June 30th 2009 there is no shame that I understood that I owed them money. I could not pay AAFES anything because I did not have a job and my only income is disability I originally did not know how to pay them so I knew that they would garnish my tax returns until the amount was paid off. This year 2014 is when something smelled wrong to me since I have paid off my balance of 3500 dollars over the past 4 years with interest , I was surprised when I received another letter from the IRS telling me they are taking my tax reruns again. I started researching what was going on after I spoke to AAFES and the third party collection company that AAFES uses called NCO collections. AAFES told me my balance was still 3900 dollars I was floored, I thought maybe they were not updated on what I have paid over 4 years. I called AAFES two times because I thought there had to be some mistake AAFES told me no there was no mistake, I asked aafes how can this be possible they informed me that I was accruing 10.4% interest then I asked how much interest is this every month I was told 48 dollars and this included fee and penalties. When you add this up it only totaled 576 interest that i owed them so this made sense for the extra 450 that was added on I assumed again they did not have anything updated on what I have paid them again i was told no I still owe ALL of the money and the extra 450 dollars. I was given the number to NCO Collections I called this company and I was told that AAFES fee is not 10.4% AAFEs actually charges 19% interest upon talking to a representative I asked ” how much do I owe?” I was told that I owed AAFES $4900 I was absolutely SHOCKED. How can AAFES charge over a 1000 dollars a year in interest, the number don’t add up..I am here trying to collect stories about what happened to you I have been reading websites and I am not the only one, one story this guy said he owed 3000 dollars and AAFEs has taken his taxes for 6 years and now he owes 10000 dollars. There are basically two open balances one for 3900 from safes and one from NCO collection for 4900 yet i get latters saying they are collecting on behalf of AAFES despite i have paid AAFES over 4000 dollars over the 4 years.

                                    #20991 Reply

                                      can you guys give me the numbers and the websites you are finding this info on, please? like the exact amounts of offsets and where are you guys seeing the “topic 203” i know i’ll have an offset but i dont see any of that.

                                      #20937 Reply

                                        I just realized I had an offset. I either didn’t notice top 203 on wheres my refund page or they just put up tonight(2/21 night)Dd was 2/21. Wheres My Refund site showed refund sent 2/22 right after midnight. Called number in Topic 203 description even though it said 9-5 m-f. Automated line said full amount sent to department of education yesterday. Transcript does not show offset yet, and neither does w.m.refund site. No money in bank. Looks like they got it. If a miracle of some sort happen like it did to some members of this thread i will be sure to post. I too had arranged a hardship payment an with the us Dept. of Ed., so i am super frustrated.

                                        #20936 Reply

                                          I just realized I had an offset. I either didn’t notice top 203 on wheres my refund page or they just put up tonight(2/21 night)Dd was 2/21. Wheres My Refund site showed refund sent 2/22 right after midnight. Called number in Topic 203 description even though it said 9-5 m-f. Automated line said full amount sent to department of education yesterday. Transcript does not show offset yet, and neither does w.m.refund site. No money in bank. Looks like they got it. If a miracle of some sort happen like it did to some members of this thread i will be sure to post. I too had arranged a hardship payment an with the us Dept. of Ed., so i am super frustrated.

                                          #20933 Reply

                                            @hopefulmom3 I’m afraid it doesn’t look good. My husband and I are in the same situation. We had NO idea we were sent to the TOP. My husband called the hotline, the lady said to call our debtors and set up a payment plan and that could possibly stop it…it didn’t. Everything on WMR looked great right until the return was processed, then TT203 came up…however our transcripts still looked great. Our DDD was yesterday, nothing showed. Our transcripts show now that an offset took place and the TOP hotline gives specific amounts that were applied to the debt. I’m so sorry, the government is surely slow to give and quick to take! I’m out of work myself and we surely could have used our return. Best of luck to you.

                                            #20914 Reply

                                              Can anyone update PLEASE? I’ve called every # I can find to possibly stop the offset which I did not know I had because I’ve been paying my payments. I do not have a job anymore, have 3 kids & no help. I’m honest on my taxes and do not have any assistance thus far, could they still depo my refund as shown on WMR site? My DDD is 2/24/14 and I’m really worried! Help!!! Any1 still receive their refund with a topic 203 possible status?

                                              #20866 Reply

                                                Sbbt has my refund to send to my bank for ddd of 2-20. I had an offset but my refund cover it. Never showed on my transcripts but wmr had tt203 and full amount to be deposited. Glad to finally get it over with. Already anticipating next years refund. Hahaha good luck ppl!

                                                #20836 Reply

                                                  Ok so on my transcripts it has an 846 Refund issued date of 03-03-2014 And a 150 code of 20140705 cycle number. Does this mean I will get my refund. the 849 code reflects full refund amount but the 150 code reads 0.00?!?!?!? I am so confuses!!!

                                                  #20833 Reply

                                                    Where on the Transcripts would it give my the offset amount

                                                    #20832 Reply


                                                      Did you check your transcripts? Usually they will tell you. It took mine a couple days to update to “refund applied to debts” and my WMR didn’t update to the adjusted amount until my DDD. Also my STILL hasnt updated with the amount they took from my refund.

                                                      #20831 Reply

                                                        Does anyone know if WMR reflects the adjusted amount for the offset? Mine still has a DDD and the full amount of the return?!? The offset number says all my refund to be taken for student loans. Would they take what is past due or the full amount of the loans. Also when i got to it can’t find any of my inf for being past due or defaulted. (specific government student loan site) HELP I needed my return to move home and don’t want to be homeless.

                                                        #20797 Reply
                                                        red bird

                                                          I am in a similiar situation this is the first year I had a tax topic 203 for AAFES star card….I just found out I was sent to collections March 2013 and now all of my refund was applied to the debt that I couldnt pay but now really wont be able to pay cause I will loose my job and car bc my whole refund was offset…..does anybody know if I can still get my refund if I call AAFES and make arrangements or wil I be wasting my time….Have anyone received a offset from aafes got their return applied to debt for the first year but still received there refund?

                                                          #20790 Reply

                                                            Hi Let me help some of you out.
                                                            If you have received this notice on the bottom of your taxes (203) offset, and its to IRS, forget about your refund. If you have received this notice and its to AAFES pay close attention;…. THAT is your warning.

                                                            Your refund will be deposited if this is the first year you’ve seen it, but get in touch with the Army and Air Force Exchange and make a payment arrangement quickly. Pay this amount BEFORE you file next year or don’t be prepared to use it.
                                                            The notice you say was not mailed, has indeed been mailed. Its on the bottom of the MWR website. You owe, call the number, fix it. I am truly not wanting to be condescending but I called AAFES 2009 told me my balance, I laughed at them , and I got my refund, 2010 the same, 2011, the same….2012 biggest refund ever and guess what, yep, garnished…..I’m trying to assist you in not making my mistake.
                                                            oh lastly, if money is in your bank, spend it….. the IRS is not coming, they would have taken theirs before you saw a dime, other state agency’s like I mentioned, you may get away with it this year, but they are coming with 18% interest and set penalties.
                                                            sincerely, Former Jackson Hewitt Employee……yep, after all I knew I tested hurt, needed that money…

                                                            #20783 Reply

                                                              @shay we are in the same boat! AAFES never sent a single solitary thing stating their intent to offset…but when we called AAFES they said oh no we haven’t requested offset, just pay the collection agency and gave us their info, which was indeed a commercial collection agency. Did you guys get your refund by any chance? I filed for injured spouse…probably won’t see my half until May but here’s to wishful thinking!

                                                              #20756 Reply

                                                                Transcripts don’t mean too much.
                                                                Filed & accepted 2/6
                                                                DDD 2/13

                                                                From 2-8 to 2-10 the offset line said “you have 2 offsets, your refund MAY be reduced” . My transcript was also perfect with my refund approved. WMR showed TT203 but listed my full refund amount, with no money reduced.

                                                                2-11 I called the offset line again, it said the whole amount was offset by the dept of education (my husband owes student loans). But my transcripts still showed nothing different or offset, and WMR never changed my refund amount.

                                                                2-13 My direct deposit day: Transcripts changed showing offset, WMR changed saying the offset occurred and my adjusted refund amount was $0.

                                                                Today (2-15) MyEdDebt still shows i owe them $4500 even though they intercepted my return and got 99.9 % of that money, ( we still owe them $100).

                                                                Re-check those transcripts the a day or so before your DDD, also check the offset hotline on your DDD, you’ll know then. There was a glitch earlier this tax season, but they have fixed it :(

                                                                #20753 Reply

                                                                  being that you have a netspend card and you had DD set for 2/12/14 how quick did it take for you to get

                                                                  #20749 Reply

                                                                    I got a DDD of 2/20 and was flagged for offset between the time I filed 2/3 and was approved 2/15.. I called the hotline and it said the full amount would be taken and credited to the student loan debt. Anyone get lucky and not have that happen? I find it strange I was only in default since april of last year and never recieved any warning whatsoever from the DOE or IRS. The last letter I recieved was January 15 from DFC services stating that they were trying to validate the debt. I know I owe the money, but find it a bit ridiculous that they are coming after me after 8 months.. :/

                                                                    #20748 Reply

                                                                      Well I never received a tax topic my wmr just told me my refund was sent to my bank account on 2/12 and to give 1-5 daus to receive I check wmr today and it say my refund was offsetted and sent to unemployment anyone have this message and still received their refund im hoping its a mistake i thought they take your state not your federal

                                                                      #20740 Reply

                                                                        Can anyone update on their situation? My husband has not received a letter notifying him of intent to offset or anything but when called the TOP hotline it said our refund “may” be offset…well WMR updated last night to show TT203 BUT our transcripts show nothing at all. We have a DDD of 2/20. Could anyone who was in a similiar situation please update and let me know if the IRS did end up taking back their refund after deposit? Thanks!

                                                                        #20724 Reply

                                                                          correction ddd 2/18

                                                                          #20722 Reply

                                                                            my dd is 2/17 i have a offset. wmr says topic 203 but full amount for refund. my transcripts say that they have got there money already. WMR!!!!!! I know it’s not the 17th yet but geez if other people get my money before me… i mean kinda crazy!!!!! btw no fees dd with my bank and they dont hold money!

                                                                            #20717 Reply

                                                                              mine didnt tell me the amount that i owed or nething and i still got my full refund

                                                                              #20716 Reply

                                                                                i got a date of 2-14 but wmr said the 203 thing so i just got off the phone with a gentelman and he looked up my account and said it was mailed today with no offset and mine also said i had something when i called the hotline for stay positive! and transcript says no offset but i read that it might not show up on there so the best bet is to call and see..if u get a nice rep cuz i called earlier and had a lady who told me nothing..depends who u get..i wont be 100% relieved until i see it come in my mail

                                                                                #20698 Reply

                                                                                  My transcripts are showing no offset but when I called the Dept of Education, they said that they will be taking my return. SO bummed :(

                                                                                  #20683 Reply

                                                                                    This was my situation if this helps anyone. I filed my taxes early and was approved on 2/6 with a DD of 2/10. WMR never changed and had my full refund amount to be deposited on 2/10 but I had the tax topic 203 attached. I never could check my transcripts so I am not sure what it said. The offset line said my full refund was being applied to my student loan debt. I waited and waited in hopes I would be included in the glitch and would get my money, but unfortunately it never came! Today WMR says my refund was sent to my bank, but it’s not there, and I received a letter from the Dept of Treasury yesterday about the offset. We have filed an injured spouse form now because my husband did not owe the debt. Hopefully, we will receive the majority of it back and soon! I hope this may answer any questions some of you may have if your situation is the same. The waiting is the hardest part and not knowing for sure! I hope you guys have better luck than us!

                                                                                    #20665 Reply

                                                                                      I had a DDD of 2/12 offset line said wife had a debt and the whole amount was being taken but now WMR shows refund was sent to my bank for DD. Will it still show that even if it was taken?

                                                                                      #20652 Reply

                                                                                        So, my situation is that my WMR states that our DD was 2/12 and that there may be an offset. It still showed (shows) my same original amount. I called the offset line and it says my husband does have an offset from AAFES and it sounds like the entire amount is going to be taken and applied to the debt. If thats the case, then we have no choice but to contact AAFES to confirm it. But, Im just wondering a) why does it still show my original amount and say it was sent to my bank. b) Why did I not receive anything from the Offset Department with any details. c) Im sure its wishful thinking, but Is there any chance I may still receive my refund based on others experience? Any insight is appreciated.

                                                                                        #20640 Reply

                                                                                          My transcript is showing 846 full amount issued, and my deposit date was yesterday, but nothing is in my bank account.

                                                                                          WMR is showing 203, but still showing full amount.

                                                                                          I am so confused! Any insight? Anyone in the same situation gotten their refund?

                                                                                          #20628 Reply

                                                                                            ok so WMR shows code 203 which means offset called the 1-800 says hubby has one. But transcript is not showing offset code? just showing 846 which means refund sent and the full amount. what does this mean? will they not be taking the offset? thanks!

                                                                                            #20545 Reply

                                                                                              MT that was like mine and I still got it.

                                                                                              #20520 Reply

                                                                                                Had 203 on WMR nothing on my transcript stating an offset, hotline stated they taking the funds, today is my DD nothing in my account, they took it all

                                                                                                #20517 Reply

                                                                                                  For those that had the offset taken, did it show on your WMR or transcript? If so, what codes?

                                                                                                  Mine still shows nothing on the transcript other than refund issued (full amt) but if I call the hotline it says I may have an offset and the WMR has tax topic 203 but shows the full amount.

                                                                                                  #20425 Reply

                                                                                                    2/12 @ 11pm EST Refund posted,,minus the amount the offset showed on my transcripts…Oh well, still grateful for small miracles!! Have a great tax season!! See yall Next year!!

                                                                                                    #20374 Reply

                                                                                                      i have a pending deposit but my bank told me the amount and it is less than the original. looks like they took it.

                                                                                                      #20317 Reply

                                                                                                        I didn’t check my transcripts… And I never had an amount on the offset line just that it may be offset and by who.

                                                                                                        #20314 Reply

                                                                                                          Did you have an offset code on your transcript or code 846 full amount issued? Did you have an amount applied from the offset line?

                                                                                                          #20312 Reply

                                                                                                            Yes, full amount minus the fees from h & r. I had a dd of 2/12 with tax topic 203 and the offset hotline said “may be offset”. My husband called today and it still said the same thing. I hope they can’t reverse it lol and I hope all of you get it too!!

                                                                                                            #20311 Reply
                                                                                                            Please help me

                                                                                                              @ lb where did you do taxes thru

                                                                                                              #20309 Reply

                                                                                                                Full amount? @LB

                                                                                                                #20283 Reply

                                                                                                                  Woo hoo! There is hope!

                                                                                                                  #20282 Reply

                                                                                                                    Guys I have my refund pending in my account. I hope they don’t take it back!!

                                                                                                                    #20277 Reply

                                                                                                                      I’m wondering as well. I had an offset last year and my transcript shows the offset immediately following the refund. I expect to pay it, but that would be a nice surprise to have it.

                                                                                                                      I’m thinking the offset doesn’t show on WMR or on the transcript until the funds are sent by the IRS. I remember last year it showed the full amount until the DDD, then it went to $0 :(

                                                                                                                      This may only be for non-IRS debt though.

                                                                                                                      #20263 Reply
                                                                                                                      Please help me

                                                                                                                        Ok people who have had tax offset taken does it show on wyr the refund minus offset amount or was it full refund amount that showed up and they only took some for offset. Mine still shows full amount on wmr but am sopose to be getting offset for full amount.

                                                                                                                        #20260 Reply

                                                                                                                          Nevermind lol

                                                                                                                          #20259 Reply

                                                                                                                            Oh no, they took it back!?

                                                                                                                            #20244 Reply

                                                                                                                              I don’t know the code but my refund was reduced to $0

                                                                                                                              #20213 Reply

                                                                                                                                My situation is the same. DDD of 2/12…WMR says offset and shows reduced amount, transcripts show offset code 201 and shows refund reduced…sigggghhhhh…So I’m pretty sure they are going to take the offset amount (majority of my refund). But I just got a text tho that said remaining amount of my refund was sent to Republic Bank. Says should be available within 1-5 days (I have Netspend). Im grateful for the small amount just mad at myself that I didnt check for offsets deep enough….Federal offsets do not show up on offset hotline, but if I wouldve called IRS directly I could have gotten it straightened out before filing. My issue is from 2011 tax returns inaccuracy of income, Im hoping I still have time to fix and at least receive the amount of my EIC that year minus the penalties….What do you think??

                                                                                                                                #20211 Reply

                                                                                                                                  Did your transcripts show the offset code of 201 or 203 and show your refund was reduced?

                                                                                                                                  #20210 Reply

                                                                                                                                    I say spend it and find out who you owe and make a payment arrangement with them. I wouldn’t send them a large sum back either, I would live life with my refund and handle it later.

                                                                                                                                    #20202 Reply

                                                                                                                                      Malishka – same except I have no reduced amount. I’m still showing full return I’m 2/12 I guess I’ll find out tomorrow.

                                                                                                                                      #20135 Reply

                                                                                                                                        WMR is showing tax topic 203. But shows a DDD 2/12/14. My original refund amount is still showing. Transcript is complete and showing 846 hotline is still saying this $ xxxx has been deducted. It so confusing

                                                                                                                                        #20130 Reply

                                                                                                                                          Same thing here.. Had the tax topic203 andon the hotline it “may” be offset….dd of 2/12. My question, if they do to through with the offset, do they take state too??

                                                                                                                                          #20127 Reply

                                                                                                                                            Online on the irs site it said the deposit date was 2/6
                                                                                                                                            On 2/6 i checked again and it said my money was used towards offset. However, it appeared job my bank when I checked it later that day. I have since moved the money into another account until I am
                                                                                                                                            Instructed on what to do. I am getting mixed info from all the different numbers. Who knows, for now I’m sitting on it.
                                                                                                                                            My bank did tell me that the irs can reverse the wire within 30 days.

                                                                                                                                            Still no answers :/

                                                                                                                                            #20126 Reply

                                                                                                                                              Everyone post what happens on 2/12!

                                                                                                                                              #20115 Reply

                                                                                                                                                @Vanessa – you have nothing to worry about from what I have read from other postings! Good luck :-)

                                                                                                                                                #20113 Reply

                                                                                                                                                  @Malishka – I have heard that your transcript will tell you if an offset has been paid or not. I do not know this first hand as I have not been able to order mine, but from what I have read you should see an offset line right below wherever it shows 846. Hope that helps & I hope that we all get our refunds :-)

                                                                                                                                                  #20096 Reply

                                                                                                                                                    Will your transcript show your offsets?

                                                                                                                                                    #20043 Reply

                                                                                                                                                      Anyone not have a tt 203 and no record on offset hotline and still got it taken away? Worried. I owe student loans but offset hotline says nothing and there is no TT on my WMR.

                                                                                                                                                      #20032 Reply

                                                                                                                                                        Im in the same boat, my transcripts has code 846 as well with no offset code as well, I called the department of education and was informed my debt had been paid off by them and I was referred to Progressive Finicial services. They don’t have any idea about my offset, I have ddd 2/12. I think it’s the machines I just hope everyone on here get their refunds. I pray I do, I need mines bad

                                                                                                                                                        #19997 Reply

                                                                                                                                                          Same situation…transcript has code 846 full refund amount issued, wmr has full refund amount with ddd by 2/12 and has tax topic 203. Offset line says full refund amount will be applied to debt. Can anyone offer any info? Thx

                                                                                                                                                          #19975 Reply

                                                                                                                                                            Hello! Curious, I am in the same situation. I have a dd for 2/12 but the top says they offset my refund and to contact Dept Of Educ…however on wmr I still have dd for Amt they yield me I would get…when you revived your refund, did top still say that it was offset?

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