Tax Time Again

Its tax time again. I made my normal trip to my tax appointment office to process my paperwork. Thoughts of what I was going to buy with my refund were running through my head. After an hour with the tax advisor my taxes were completed and e-filed. I paid a little bit extra to have my refund within 1-2 days by getting an anticipation loan from a bank. After 24 hours I got a call from my accountant to tell me that the anticipation loan was denied and that I would receive my check within 8 – 15 days. I figured that was fine and that I could wait that long. Well, 18 days went by with no check. After calling my accountant every day for 10 days, I was getting very frustrated. No one could tell me why I didn’t have my refund check yet. I was ready to go to the office and throw a fit. On the 19th day I received a call from the accountant’s headquarters asking that I contact the bank in regards to my tax refund check.

I made the call and low and behold….. I have fraud alerts on my credit report and they needed to take additional steps to verify my identity, prior to allowing the anticipation loan to be processed. DUH! I work for LifeLock and I’m a LifeLock member, why hadn’t I thought of that. It had slipped my mind that the refund coming within 8 - 15 days was still going to be a loan. I’m glad to know that no one else would have been able to get an anticipation loan using my information without my permission. Fortunately my story had a happy ending and I received my refund.