You filed on time. Then, the “Accepted” notification arrived. You already spent the money in your head. But the date comes and goes, and the mailbox is empty. The scary part? The IRS doesn’t have to call you the day they freeze your refund. In fact, under current IRS procedures, agents can hold your money for weeks—or even months—before they ever send a letter explaining why. You simply refresh a webpage that tells you nothing.
