If an individual owes money to the federal government because of a delinquent debt, the Treasury Department can offset that individual’s federal payment or withhold the entire amount to satisfy the debt.
Offset but still got refund?
February 6, 2014 at 8:10 pm #19479
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?
February 22, 2018 at 4:51 pm #4229666
Mine is saying the same as everyone’s, tax code 203. It was for student loans. The offset line says it is taking my whole entire return. However on WMR it doesn’t say the refund has been sent yet.. When I called the IRS this morning they said that the money was released but they couldn’t tell me exactly where it was released to. I also called the department of education and they said that no funds have been applied to my account. This is the first time that I have ever had this happen. I’m hoping and praying that I get the money!February 22, 2018 at 10:35 am #4229356
They have to certify the debt and notify you by a certain date. If you received your refund, you’re lucky. But next year you won’t be. If you owe student loans, call them now and ask for a $5/month payment plan to avoid losing your refund next year. I imagine it works the same with any debt. Payment plans should allow you to keep your refund if they are in effect BEFORE you file.February 22, 2018 at 10:31 am #4229355
They have to file notice of intent and notify you by a certain date, plus certify the debt with thFebruary 22, 2018 at 10:24 am #4229345
I am in the samw boat,my ddd was for today but called the offset line says there is an offset for back state taxes and says WV state debt owed,,but no money was in my account,I am sooo hoping they give me my money….but I doubt it,you are luckyFebruary 21, 2018 at 8:33 pm #4228152
Tax refund says approved but under says tax 203 and then I call offset hotline says no debt under ssn and I did not receive intent letter either but today I received some of my refund but most was taken has that ever happened to anyone and if so do you know why??February 21, 2018 at 1:13 pm #4227350
Did you end up getting it
im hopeful that will happen to meFebruary 21, 2018 at 10:57 am #4227048
I got the same top203 notice after checking my refund status. I called the hotline says my whole amount is being offset. So I called department of education and they confirmed and I set up a payment plan. My refund still says direct deposit..Im assuming itll go to the account and i guess we can hurry and get it out lol. Hotline says allow 4 weeks for offset to post to your account. Have you been able to spend yoirs since youve gotten itFebruary 20, 2018 at 4:28 am #4224710
Called the offset line says they will take my full refund but I’m in a repayment program says it’s schedule to take out feb 22nd I’m freaking out does anybody know information on this subjectFebruary 19, 2018 at 4:57 pm #4224369
I too received tt 203… Offset hotline says full amount is being taken…. Dd of Feb 22… I’m not even going to get my hopes up…ughFebruary 18, 2018 at 5:32 pm #4223683
I had the same question ???? Same issue been years missed on renewing my deferral thats all.. I never had to make any payments… I dont think so… In prior years people have gotten even with the code but. Not looking good this year…February 18, 2018 at 2:01 pm #4223590
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…..March 5, 2017 at 10:21 am #4189116
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 bankFebruary 12, 2016 at 10:17 pm #4139024
My question is to Drew.. Mine is saying the same… Do you have any news or still waiting?February 11, 2016 at 8:44 pm #4138144
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??February 6, 2016 at 7:25 pm #4132132
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..February 6, 2016 at 5:31 pm #4132075
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?January 25, 2016 at 12:56 pm #4116711
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.January 20, 2016 at 12:18 am #4115087
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 luckJanuary 19, 2016 at 4:07 pm #4115022
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 PROGRAMNovember 21, 2014 at 1:37 am #20772
Got ddd for the 20th with code 203….hoping an praying I don’t get offset…definately need $$$ right now..March 26, 2014 at 6:37 pm #21702
So, what’s the verdict with those who got the refund? Did the IRS take it back out of your accounts???March 15, 2014 at 3:56 am #21361
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?March 13, 2014 at 3:50 pm #21310
I called my bank they told me my refund was pending in my account for the 17th could it be available be fore thenFebruary 25, 2014 at 7:55 pm #20996February 25, 2014 at 7:54 pm #20995
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.February 25, 2014 at 3:29 pm #20991
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.February 22, 2014 at 2:28 am #20937
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.February 22, 2014 at 2:27 am #20936
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.February 21, 2014 at 10:13 pm #20933
@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.February 21, 2014 at 3:49 pm #20914
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?February 19, 2014 at 5:15 pm #20866
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!February 19, 2014 at 4:04 am #20836
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!!!February 19, 2014 at 2:13 am #20833
Where on the Transcripts would it give my the offset amountFebruary 19, 2014 at 2:02 am #20832
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 myeddebt.com STILL hasnt updated with the amount they took from my refund.February 19, 2014 at 1:14 am #20831
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 http://www.myeddebt.com 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.February 18, 2014 at 5:37 am #20797
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?February 17, 2014 at 5:52 pm #20790
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 them..it hurt, needed that money…February 17, 2014 at 1:56 pm #20783
@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!February 15, 2014 at 5:26 pm #20756
Transcripts don’t mean too much.
Filed & accepted 2/6
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 :(February 15, 2014 at 4:36 pm #20753
being that you have a netspend card and you had DD set for 2/12/14 how quick did it take for you to getFebruary 15, 2014 at 1:35 pm #20749
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.. :/February 15, 2014 at 1:20 pm #20748
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 federalFebruary 15, 2014 at 10:15 am #20740
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!February 14, 2014 at 6:54 pm #20724
correction ddd 2/18February 14, 2014 at 6:52 pm #20722
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!February 14, 2014 at 6:02 pm #20717
mine didnt tell me the amount that i owed or nething and i still got my full refundFebruary 14, 2014 at 6:01 pm #20716
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 offsets..so 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 slot..lolFebruary 14, 2014 at 2:00 pm #20698
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 :(February 14, 2014 at 10:39 am #20683
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!February 14, 2014 at 12:45 am #20665
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?