Purposely overwithholding taxes from your paycheck allows your employer to send more money than needed to the IRS to cover your tax liability. The practice, while disapproved of by some financial experts, can guarantee a sizable tax refund every year.
The strategy is how Cathy Boucher and her husband have ended up waiting eight months and counting for a $24,851 IRS refund that still hasn’t come. Their accountant told the Pasco County, Florida, couple in February that the IRS owed them that amount.
“I don’t know. Is there an error? And we just need to do an amended return?” Boucher told WFLA investigative reporter Shannon Behnken. “Or my biggest fear was that somebody filed under our Social Security numbers and that there really was an identity theft problem.”
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An 8-month refund hold that still hasn’t ended
The Bouchers filed their annual tax return in the middle of February, according to WFLA. In March, the IRS requested that they verify their identities, a step that’s typically triggered by red flags noticed by the agency, such as filing discrepancies or suspected identity fraud. They were first told to expect their money within nine weeks, which was later revised to 180 days, but so far nothing has come through.
A possible reason for the delayed refund is the larger than usual refund, tax experts told WFLA. The Bouchers moved into a different tax bracket in 2025, and over-withheld both an IRA withdrawal and W-2 earnings, Boucher said.
In September, Boucher applied to the Taxpayer Advocate Service (TAS), an independent office within the IRS that helps taxpayers struggling to resolve tax issues. She received a case number, but was told that the problem might take another 90 days to resolve, according to Behnken’s reporting for WFLA. It was after this that the couple reached out to “Better Call Behnken” for assistance.
“Right now we’re still in a holding pattern and just trying to figure out if there’s a way to get an answer,” Boucher said. “It’s not just the money, but is there something wrong? And if there is, what is it? So we can fix it.”
Behnken said she contacted the IRS about the Bouchers’ issue, and was told that “they would escalate this to the taxpayer’s advocate office.” The Bouchers later received a letter saying the refund was under review again and could take up to 60 more days.
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What to do if your refund gets stuck
If you find yourself in a similar situation as the Bouchers, your first step should be to confirm that there is actually a hold. The IRS’ Where’s My Refund tool and the IRS2Go mobile app give daily status updates, but they rarely explain the reason for a delay. You can request your Account Transcript from your online IRS account for more details. Status codes like 570, which means a processing hold, and 971, which means a notice is on the way, can add some clarity to your situation.
If you are still having trouble figuring things out, call the IRS individual help line at 800-829-1040 –– you can call early when the line opens at 7 a.m. local time to avoid longer waits.
According to the IRS, you may qualify for TAS, the same service Boucher applied to, if your IRS issue results in financial distress, other solutions you’ve tried have failed or if you “believe an IRS system, process or procedure just isn’t working as it should.”
You can reach TAS toll-free at 877-777-4778. Make sure your request clearly states any difficulty you may be facing as a direct result of the delay, such as late mortgage payments or medical bills.
It is worth noting that if the IRS takes longer than 45 days to issue your refund, it may owe you interest on the money. The rate is the federal short-term rate plus three percentage points, compounded daily from either the April 15 filing deadline or your filing date after that day. The money is reported as taxable income the following year.
Boucher told WFLA that she has “earned a big lesson here to be very careful about how much she withholds. She also said she will be more careful when she files because while refunds are good, waiting for $24,000 isn’t.
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Peace Longe is a financial journalist with over five years of experience covering various finance verticals.
