Stuck in the “ID.me Loop”? How to Fix the Login Glitch Before It Delays Your 2026 Refund

Bottom Line: If you verify your identity on ID.me, get redirected to the IRS, and are immediately kicked back to the “Sign In” page, do not keep trying. You are in a cookie conflict loop.

Thousands of early filers in February 2026 are reporting this exact glitch. It is terrifying because it feels like your return is blocked. Usually, it is just your browser fighting with the IRS security protocols.

Here is the 3-step fix that works for 90% of users.

A frustrated user holding a cracked iPhone displaying an IRS "System Error" message during ID.me login.
“Login Loop” is a common browser conflict, not a rejection of your tax return.

Step 1: The “Nuclear” Browser Clear The IRS servers use strict session tokens. If you have an old token from last year (or even yesterday) saved in your cache, the new login will fail.

  • Chrome/Safari: Go to Settings > Privacy > Clear Browsing Data.
  • Crucial: Select “All Time” (not just “Last Hour”).
  • Close the browser app completely and reopen it.

Step 2: Use Incognito Mode (The Real Fix) If clearing the cache fails, open a “Private” or “Incognito” tab.

  1. Go directly to IRS.gov/account.
  2. Click “Sign into your Online Account.”
  3. Log in with ID.me credentials. Because Incognito mode has zero saved cookies, it forces a fresh “handshake” between ID.me and the IRS.

Step 3: The “Specific Notice” URL Are you verifying because you got a 5071C or 6331C letter? Do not just log into your main account. You must use the specific verification portal found at IRS.gov/verify. If you use the general login, the system won’t trigger the “Verification Complete” marker on your tax return.

Troubleshooting the “Error 8028”

Error MessageMeaningFix
Looping to Sign-InBrowser Cache ConflictUse Incognito Mode
Error 8028Session Timed OutWait 15 mins, try again
“Access Denied”IP Address FlaggedTurn off VPN/Wi-Fi, use Mobile Data

When to Call If you have tried Incognito, turned off your VPN, and still cannot get in, your account might be locked for “Suspicious Activity.”

  • Do not call the main 1040 number.
  • Call the Taxpayer Protection Program (TPP) line listed on your letter (usually 800-830-5084). Be ready to spend 2+ hours on hold.

Final Tip: Try logging in at off-peak hours (after 7 PM ET). The 2026 server load is massive right now, and traffic spikes often trigger these loops.


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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