What if your stimulus check never appears? Here’s what you should do

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What is the correct way to report a missing stimulus check to the IRS? We will tell you. Angela Lang / CNET

For the latest news and information on the coronavirus pandemic, visit the WHO website.

Congress and the White House are now talking about a second stimulus check, but what can you do if you are still waiting for the first one stimulus check from the IRS to arrive?

Do you think the IRS tried to deposit your payment in a closed bank account or sent your check to an old address? Maybe someone in your house threw it in error? If you have reason to believe that your check is lost, lost or missing, it may be time to report your no-show payment.

We have listed two IRS phone numbers below to help you contact you, but – before using them – make sure it’s really the right time to call. IRS numbers should be considered as a last resort. We will tell you the scenarios we have found that justify reaching out, other reasons your check may be delayed and the type of information you should have before placing the call.

Read on for suggestions on what to do if your payment never arrives. Then review how much money an extra stimulus check could bring and who may be eligible for a second payment. This story is frequently updated.


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Report your late dunning check to the IRS if …

Here are the warning signs that you should contact the IRS now:

  • The Get My Payment tracking tool reports that the IRS made your payment weeks ago and that you did not receive it (see below).
  • 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 your prepaid card or your check in the trash (see below).
  • You think someone stole your check or defrauded you.

Read on to learn more about these issues and for the phone numbers to call to contact the IRS.

Check again that you meet the requirements for a dunning check

Before you go any further, just make sure that you meet one of the conditions required for a stimulus payment. The figures below are based on your 2018 or 2019 taxes (depending on the last date you deposited). Specifically, you will need to know your AGI, or adjusted gross income, which you can find on your most recent 1040 federal tax form. For more questions about eligibility, as if you don’t do it normally file taxes, we recommend that you consult our stimulus control guide.

You are entitled to a reminder check if you:

  • You are a single US resident and have an AGI of less than $ 99,000.
  • Head of a household (considered single with at least one dependent) and earn less than $ 146,500.
  • Produce jointly without children and earn less than $ 198,000.
  • You are the parent of a child 16 years of age or younger.
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Is your stimulus inside?

Sarah Tew / CNET

Have you used the IRS Get My Payment tracking portal?

In early June, it was estimated that the federal government would have 35 million (PDF) payments to be made before completing the final wave of checks to eligible Americans. Ideally – and most likely – your money may still be on the way and there is a tool to help you find it.

After determining that you are eligible, our first suggestion is to visit the IRS online portal designed for track the status of your 2020 payment. Generally, it should tell you when your check will be processed and how you will receive it (for example, in the form of a paper check by mail). If the Get My Payment tool does not give you information that you can understand or indicates that your check is on the way and that you have not received it, you may need to report the difference to the IRS ( see below).

Did you receive a “Need more information” message from the Get My Payment app?

If the Get My Payment tool gave you a payment date but you still haven’t received your money, the IRS may need more information. Check the Get My Payment tool again and if it says “Need more information” it could indicate that your check was returned because the post office was unable to deliver it, said a representative for. the IRS at CNET.

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 stated that if you do not provide your bank account information, the agency will withhold your payment until it receives a current mailing address. Head to the IRS Change of Address page for how to update your address with the IRS.

Could you accidentally throw your check or debit card in the trash?

Four million people will receive their stimulus money on a prepaid debit card called the Economic Impact payment card, instead of a paper check. The EIP card arrives in a single envelope, said the IRS, with “Money Network Cardholder Services” as the sender.

Some people mistaking it for spam may have thrown these letters away by mistake. If you have lost or discarded your card, the EIP card service has a FAQ on what to do if your card is lost or stolen. You can also call 800-240-8100 to request a replacement. It’s free, according to a spokesman for the Treasury Department. To request a new card, press option 2 when prompted.

However, the EIP card website states: “Your card will be deactivated to prevent anyone from using 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.

Is the IRS waiting for you to file another form?

If you have filed a 2018 or 2019 tax return or receive government benefits, the IRS should automatically send your check without you having to do anything.

However, if you are a U.S. citizen or permanent resident, if you had gross income less than $ 12,200 in 2019 – or $ 24,400 as a married couple – and did not report for 2018 or 2019, you may need to provide the IRS with some information before you can process your payment. Go to the non-filers website and see if the IRS needs you.

The nonfilers tool will be available until October 15, the IRS told CNET, and people who sign up for payment using the tool before that date will receive their check by the end of the year. .

Did you receive your IRS confirmation letter, but not the check?

A handful of CNET readers report that the IRS sent them a letter confirming their payment but did not receive their check.

“Last week, I received a letter in the mail saying that I had received my payment. But no, I didn’t, ”said a CNET reader after receiving the confirmation letter sent by the IRS 15 days after sending the payment.

We asked the IRS how it would process payments that would have been sent, but what people say is missing and will update this story with the agency’s response.

Did the IRS send your check to a closed account?

Your check may have bounced to the IRS if the agency tried to send your payment to a now closed bank account or to a temporary prepaid debit card prepared by a tax preparer. If your payment has been returned to the IRS, the agency will send your check to the current address it has on file.

Did the federal government intercept your payment?

If you owe child support, the IRS can redirect your payment to cover overdue support. The Tax Services Office will send you a notice if this happens.

Was your payment part of what you think you are owed?

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 is lower in 2020.

Similarly, if you now have a new dependent, such as a child, who is not on your tax returns, you may owe more money. In either case, said the IRS, you can claim the additional amount on your 2020 tax return when you file next year. We recommend that you keep a detailed record so that you don’t forget.


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Did someone steal it from your mailbox or defraud you?

Although this is rare, you may believe that you have been scammed on your payment or had stolen it. The Federal Trade Commission has a website where you can report a stolen stimulus check. We have asked the IRS what other remedies you have if this situation applies to you and we will update this article when we respond to you. If you are worried about theft, you can sign up for a free USPS service that send you a photo of every mail that arrives – including your stimulus payment.

How to call the IRS to inquire about your late pacing control

If you are contacting the IRS by phone, it is a good idea to give yourself enough time for the call. We would not be surprised if call volumes are increasing or conversations take time. It is also a good idea to collect your information before you, such as a copy of your most recent tax identification number and the letter the IRS sent if you received one.

Within 15 days of sending your payment, the IRS should send you a letter confirming the payment. At the bottom of the letter is a number that you can call for more information: 800-919-9835.

In May, the IRS added 3,500 telephone representatives to resolve potential payment issues. The IRS help number is 800-829-1040.

We contacted the IRS for more information on preparing a call for a representative.

If you are looking for additional personal financial information, we have suggestions for spend stimulus money, how coronavirus can affect your rent payment and other ways to get financial relief during the pandemic.

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