Thank you! Finally i was able to file after another marathon 24 hour conversations with support staff.
Basically as i suspected, the error message related is not connected to 48 hour hold, rather the huge return file size.
That was because even though turbotax claims it will allow you up to 10k stock transactions, in reality even if you manage to import or type it in yourself, you are going to run into a large return file size problem which will not be easy to resolve if you especially have a lot of wash sales. Ideally if you successfully imported your 4 or 5k transactions, it would have calculated the proceeds, cost basis , adjustment/wash sales. Only way you will be able to solve that is by breaking that summarized calculation from the import into 30 or so equal halves and type it in manually and delete the previous large import. so that was the only solution as neither online or desktop products of turbotax was able to handle it. This was done with a help of tax expert so make sure you atleast have turbotax live if you chose premier package.
For the 48 hour hold problem, in case if it helps others -
if you end up getting 48 hour hold for using a different email to file, first thing to clarify - if you google for the no [phone number removed] in that security alert email, many forums will mention it is spam/phishing etc but it is not. it turned out to be real number. Another way to connect it , it would send that immediately when you attempted to file with a different email.
Second thing is customer service will try to call finance/billing to find out about 48 hour hold, they would go the route of confirming there is no financial block due to payment etc. So make sure to tell them right away that you would like to connect with "Security Services", this will get you to the right spot.
What i found out was with every new email, you get a new auth id. When they look up your account, they will be able to tell if it is on hold or not. you can even try doing it in parallel with them. But it should release the hold and file automatically if you dont run into any other issue like i did.
Here is the most important part - it is not really 48 hours, it is actually 72 hours or so. They have this so you would call sooner to prevent identity theft in cases of identity theft. so if it didnt file automatically after 72 hours, you can call them , it could be some other issue.
Basically for the automatic filing to happen, the return should exist, if you run into issues with saving the return, there is nothing to file automatically.
This is the first time in last 10+ years, i had spent more than a month trying to file with various problems along the way but glad it is finally over. I might have spent easily 50 hours with them over phone over various different issues! But a shoutout to their support team, they try their best to help but not everyone is at the same level of knowledge , so this can impact on who you get on the line.
Hope this helps in case anyone runs into similar issues.
