The way you report a missing stimulus check to the IRS has changed. We'll tell you. Sarah Tew /
About 15 days after the IRS sent your second stimulus check , you should receive a letter from the agency confirming your payment and giving you a way to contact us to report any problems. When the first round of stimulus checks has been sent l Last year this letter included two hotline phone numbers and thousands of agents were available to help you. But with the second cycle of checks until 600 USD per eligible person , the IRS has a new message: please do not call.
" We are committed to helping you get your stimulus payments as quickly as possible, "on IRS website says. " Please do not call IRS about the new payment; our telephone assistants do not have any additional information beyond what is available here on IRS.gov and in the Get my payment application . "
But what if you have a problem with your stimulus payment , whether for yourself or for your dependent child ? There are a number of things you can do to get help and get your money back if you find yourself in any of the following situations, including requesting something called a payment follow-up from the IRS. This guide will give you information to help you locate and report a missing payment, whatever your situation. We will explain your options to you. Here is what we also know about a third stimulus check , including Eight Ways Could Raise More Money and how much your specific household could receive . This story is updated often.
How do you know if your payment is missing ?
Here are three common scenarios that might indicate that you need to review your stimulus payment.
You should also verify that you are okay qualified for obhold the second payment , since not everyone who received a check in the first round will receive a time .
Your first or second raise test never happened. How do you claim your missing money?
If you are sure to respect the qualifications to receive the first or second stimulus check , but you have never received your money, what you do next depends on your situation.
If you have never received your moneyor a letter of confirmation from the IRS that your first payment has been sent, you will likely need to deposit the money as Recovery discount credit with your 2020 taxes this year. We have full instructions on how to deposit your recovery discount credit here , but basically you will use the 2020 Form 1040 or Form 1040-SR to request a catch-up paymentage when you file your taxes before the April 15 deadline.
The IRS will provide data Recovery Refund Credit Worksheet to help you determine if you are missing a payment and for how much. If you are part of a group that usually does not file taxes (like old people, retirees , SSDI or SSI recipients and people with revenue less than 12,200$ ), you will probably need to deposit again this year. You should also save your IRS letter - Notice 1444 Your Economic Impact Payment - along with your 2020 tax records, as you will need them to file the claim.
You can also claim a recovery discount credit if you did not receive the correct amount for your dependent children with your first or second check.
However, there may be other cases where your money has not been channeled. You must contact the IRS if:
- The Get my payment tracker reported that the IRS made your payment weeks ago and you didn't have not received it (see belowor).
- You have received a confirmation letter from the IRS that your payment has been sent, but you have not received the funds.
- You think you accidentally threw away your EIP prepaid debit card or go to the trash (see below).
- You think someone has stolen your check or otherwise defrauded you .
Look at this: Checking the second stimulus: all that you should know 3:22
How to contact the IRS to find your missing payment
You can request an IRS Track payments if you have received the confirmation letter from the IRS that your payment has been sent (also known as Notice 1444), or if the Get My Payment tool says your payment has been issued but you have not received it within the following timeframe:
- 5 days since the date of deposit in Get my payment and the bank says itthe has not received it
- 4 weeks since it was sent by check to a standard address
- 6 weeks since it was sent and you have a reshipping address registered with the office of local post
- 9 weeks since it was sent and you have an overseas address
The IRS will do the following to process your request, depending on its website:
- If the check has not been cashed, we will issue a replacement. If you find the original check, you must return it as soon as possible .
- If the refund check has been cashed, the Tax Service Office will send you a complaint package including a copy of the cashed check. Follow the instructions. BFS will review your complaint and the signature of the checkvoid before determining if they can issue you a replacement check.
To request payment tracking, you can call the IRS at 800-919-9835 , or send or fax the form Form 3911, Declaration of taxpayer concerning the reimbursement . Find out more where to send or fax this form for your state on the IRS website .
You should not requ is a payment trace to determine if you were eligible to receive a check , or at confirm the amount you should have received , the IRS said.
Do you have to complete another form with the IRS if your money is missing?
As was the case with the first check, if you filed a 2018 tax return or 2019 or receive government benefits, the IRS should automatically send your second check without you having to do anything.
If, however, you are a U.S. citizen or permanent resident, have gross income in 2019 less than $ 12,200 - or $ 24,400 as a married couple - and did not file a return for 2018 or 2019, you may have n We ask that you provide some information to the IRS before you can process your payment.You missed the November 21 deadline to use the IRS ' Tool for non-filers , you will probably have to claim this money on your tax return in the form of a recovery discount credit , described above.
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What if you received a confirmation letter in the mail but no direct deposit, check or EIP card?
If you received a letter confirming your first or second stimulus payment, but not the money, it's time to contact the IRS. The IRS protocol consisto send you the letter 15 days after the payment is issued.
How to use the IRS Get My Payment tracker to find the status of your dunning check
It is worth visiting the online portal of the 'IRS designed for track the status of your 2020 and 2021 Payments . Typically, it should tell you when your check will be processed and how you will receive it (for example, as a paper check in the mail). If the L 'Get my payment tool is not giving you information you may understand or telling you your check is on its way and you haven't received it, you may need to report the difference to the IRS or to a file Recovery discount credit .
Is your raise inside? Sarah Tew /
What we need more training message 'of the Get My Payment application means
If the Get my payment tool gave you a payment date but you still have not received your money, the IRS may need more information. Check the Get My Payment tool again and if it says "Need more info" it could indicate that your check was returned because the post office was unable to deliver it. said an IRS representative at.
After seeing the message "Need more information ", the online tool will allow you to enter your bank information to receive your payment directly to your bank account . The IRS has said that if you do not provide your informationons bank account, the agency will hold your payment until it receives a current mailing address . Go to IRS Change of Address page for instructions on updating your address with the IRS. You will also want notify the 'USPS from your new home.
What the message 'Payment status not available ' in the Get my payment app means
This is normal for the Get my payment to send you a message saying "Payment status not available " until payment is scheduled, according to the IRS . This message does not mean that you are not eligible or that you will not receive a payment. You will probably just have to wait.
What to do if you accidentally tossed your stimulus check or your debit card
In the first round of payments, four million people were to receive their stimulus money on a prepaid debit card called the Economic impact payment Card , instead of 'a paper check. The IRS said 8 million people recthey would expect their second stimulus check this way. The EIP card arrives in a single envelope, the IRS said, with Money Network Services to cardholders as the sender.
Some people mistaking it for spam, may have discarded these letters by mistake . If you have lost or thrown away your card, the EIP card service offers an FAQ on what to do next if your card is lost or stolen . You can also call 800-240-8100 to request a replacement. It's free, according to a spokesperson for the Treasury Department . To request a new card, press option 2 when prompted.
However, the EIP card website says , " Your card will be disabled to prevent anyone to use it and a new replacement card will be ordered. Charges may apply. "We recommend that you call the number above for a lost or stolen card and speak to a representative. If you have lost or thrown a paper check, read the next section.
The Government Could you have redirected your first payment?
If you owe child support, the IRS may redirect your payment tor cover overdue support payments. The Tax Service Office will send you a notice if this happens. However, your second check should not have been redirected for overdue child support. Check out who does and n 'not have the power to take your second stimulus test here and check out everything you need to know about stimulus checks and child support here .
Could the IRS have sent your first check to a closed bank account?
Your check may have been returned to the IRS if the agency attempted to send your payment to a now closed bank account or to a temporary prepaid debit card that a preparer statements set up for you. If your payment has been returned to the IRS, the agency will send your check to the current address it has on record for you.
With the second check, the IRS does not accept the new or changed bank information. If the IRS attempts to make a payment to a now closed bank account, the financial institution must return the payment to the IRS, the agency says. The IRS said it was looking for options to fix them and said if you have not received your full payment by the time you file your 2020 tax return, you can request it as a creditsaid recovery refund on your tax return. (Learn more at how direct deposit works stimulus check .)
Where is your stimulus money? There are a number of factors that may be causing the blockage. James Martin /
And sDid your first payment not include all of the money owed to you?
A different, but related, issue could be a change in your income in 2020. In some cases, the IRS may owe you more money than you received if the income used to calculate your payment from your tax returns in 2018 or 2019 are lower in 2020.
Likewise, if you now have a new dependent , like a child, that is not on your tax returns, owed you more money. Either way, the IRS said, you can claim the additional amount on your 2020 tax return with the recovery refund credit whenthat you produce this year. We recommend that you keep a detailed record so that you do not forget.
What do you do if you suspect mail fraud or scam?
Although this is not common, you may believe that you have been has been scammed on your payment or has been stolen. The Federal Trade Commission has a website where you can report stolen stimulus check . We have asked the IRS what other recourse you have if this situation applies to you and we will update this article when we get back to you. If you're worried about theft, you can sign up for a free USPS service that send you a picture of each item of mail coming your way - including your stimulus payment.
Can you call the IRS to inquire about a missing check?
During the first round of checks, the IRS gave a phone number to call for assistance in the confirmation letter you received 15 days after sending of your payment. Later in 2020, the IRS asked people with questions about their stimulus to check do not call the agency.
If you still want to give it a try, you can call the IRS Help Number at 800-829-1040 or 800-919-9835 to configure payment tracking.