WMR Says “Delayed”? You Might Be Stuck in the “CP05” Review Cycle (Feb 2026)

It is the update no one wants to see on a Sunday night. You missed the big “Mass Drop” for February 25. You refreshed the “Where’s My Refund” (WMR) tool hoping for a date.

Instead, the orange bars disappeared completely. The text changed from “Received” to a dreaded paragraph: “We apologize, but your return processing has been delayed beyond the normal timeframe.”

The Bottom Line: If you see this specific message today, you have likely been pulled for a CP05 Review. This is not a full-blown audit yet, but it is a “soft freeze.” The IRS computer system (the Master File) needs 60 extra days to verify your wages or tax credits against third-party records.

Here is exactly what is happening to your return and how to confirm it on your transcript.

A hand holding a smartphone showing the IRS Where's My Refund app with the message "Return processing has been delayed".
The bars are gone. The “Delayed” message is the sign of a CP05 hold.

The “Silent” Freeze (Code 570)

The WMR tool is vague. It just says “Delayed.” To know the truth, you must look at your 2025 Account Transcript.

  1. Log in to your IRS Online Account.
  2. Open the 2025 Record of Account.
  3. Look for Transaction Code 570 (Additional Account Action Pending).

If you see Code 570 without a Code 571 (Resolved) below it, your money is stuck.

Why Is My Return Being Reviewed?

In 2026, the IRS has ramped up automated income verification.

  • Wage Mismatch: You reported $45,000 in income, but your employer only reported $42,000 to the Social Security Administration. The computer freezes the difference.
  • Credit Verification: You claimed the maximum Earned Income Credit (EIC) or a new dependent. The system paused to ensure the child hasn’t been claimed on another return.

The CP05 Timeline

You will likely see Code 971 (Notice Issued) appear on your transcript next Friday. This means a physical letter is in the mail.

Code SequenceMeaningEstimated Wait
570 OnlySoft Hold. System is double-checking math.1-2 Weeks
570 + 971CP05 Notice. Letter sent to verify income.45 to 60 Days
420Audit. Your return was pulled for examination.3-6 Months

Can I Speed This Up?

No. Calling the IRS right now will not help.

If you call, the agent will read a script: “Please allow 60 days from the date of the letter for review.” They cannot release the funds manually.

The Exception: If you are facing severe financial hardship (eviction or utility shutoff), you can contact the Taxpayer Advocate Service (TAS). However, you must provide proof of hardship (eviction notice) to get their help.

Check Your Status:

Ignore the “Delayed” message on WMR. It won’t change until the review is over. Focus 100% on your Account Transcript for updates every Friday morning.


Disclaimer: This article is for informational purposes only and does not constitute financial or legal advice. Always consult official government resources.

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