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How and when you should report your no-show stimulus check to the IRS

Jul 2, 2020 | Finances, IRS - Internal Revenue Service, US Tax Return 1040 / 1040NR | 20 comments

Getting tired of waiting for your lagging stimulus check is one thing. But if you truly think it’s gone missing, we can provide some information about important next steps. Still no stimulus check? Your first instinct might be to contact the IRS to report your late payment. But maybe take a breath first. Before you call the agency, run through our quick checklist to confirm that your payment is actually lost or misplaced before you pick up your phone. We provide two IRS phone numbers below.

Over 160 million Americans have received their payments in their bank accounts via direct deposit or through the mail with checks and debit cards, but the IRS still has millions more checks to send. So it’s important to rule out legitimate reasons why your check could be delayed, and gather the right information that’ll help you get useful answers when you do connect with an IRS representative.

The last thing you want to do is waste your time waiting on the line or racking up the minutes during an unproductive conversation. Read on for suggestions on what to do if your payment never arrives, and brush up on the current second stimulus check situation and how much money an extra stimulus check might bring. This story updates frequently.

When to report your late stimulus check to the IRS

If you’re still without your economic stimulus payment, here are warning signs that you should contact the IRS right now:

  • If the Get My Payment tracking tool reports the IRS made your payment weeks ago and you haven’t received it (see below).
  • If you think you accidentally threw your prepaid card or check in the trash (see below).
  • If you received a confirmation letter from the IRS that your payment was sent, but you didn’t get the funds.
  • If you suspect someone stole your check or otherwise defrauded you.

Keep reading for more on these issues and for phone numbers to call to contact the IRS.

 Double-check you meet the qualifications for a stimulus check

Before you go any further, just make absolutely certain you meet one of the qualifications for a stimulus payment. The numbers below are based on your 2018 or 2019 taxes (whichever you filed most recently). Specifically, you’ll 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, like if you don’t normally file taxes, we recommend looking at our guide to the stimulus check.

You’re eligible to receive a stimulus check if:

  • You are a single US resident and have an AGI under $99,000.
  • You file as the head of a household (considered unmarried with at least one dependent) and earn less than $146,500.
  • You file jointly without children and earn under $198,000.
  • You are the parent of a child aged 16 or younger.

Did you use the IRS Get My Payment tracking portal?

As of early June, the federal government was estimated to have 35 million (PDF) payments to go before it finished sending out the last wave of checks to eligible Americans. In the best-case — and quite probable — scenario, your money could still be on its way and there’s a tool to help you find out.

After you’ve determined you’re eligible, our first suggestion is to visit the IRS’ online portal designed to track the status of your 2020 payment. Generally, it should tell you when your check will be processed and how you’ll receive it (for example, as a paper check in the mail). If the Get My Payment tool doesn’t give you information you can understand or says your check is on the way and you haven’t received it, you may need to eventually report the discrepancy to the IRS (more below).

Did you get a ‘Need More Information’ message from 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 reports “Need More Information,” this could indicate that your check has been returned because the post office was unable to deliver it, an IRS representative told CNET.

After you see the “Need More Information” message, the online tool will let you enter your banking information to receive your payment straight to your bank account. The IRS said If you don’t provide your bank account information, the agency will hold your payment till it receives a current mailing address. Head to the IRS change-address page for how to update your address with the IRS.

Could you have accidentally thrown 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 plain envelope, the IRS said, with “Money Network Cardholder Services” as the sender.

Some people, taking it for junk mail, may have mistakenly thrown these letters away. If you’ve misplaced or thrown away your card, the EIP card service has an 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 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 deactivated to prevent anyone from using it and a new replacement Card will be ordered. Fees may apply.”

We recommend calling the above number for a lost or stolen card and speaking to a representative.

Is the IRS waiting for you to file another form?

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

If, however, you’re a US citizen or permanent resident, had a gross income in 2019 under $12,200 — or $24,400 as a married couple — and didn’t file a return for 2018 or 2019, you may need to give the IRS a bit of information before it can process your payment. Head to the Non-Filers site and see if the IRS needs something from you.

The nonfilers tool will be available till Oct. 15, the IRS told CNET, and people who register for a payment using the tool before then will receive their check by the end of the year.

Did you get 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 that they’ve not received their check.

“Last week I got a letter in the mail saying that I received my payment. But, no, I have not,” a CNET reader reported after getting the confirmation letter the IRS sends out 15 days after it sends the payment.

We asked the IRS how it’ll handle payments reported to have been sent but that people say are 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 back to the IRS if the agency tried to send your payment to a now-closed bank account or to a temporary prepaid debit card a tax preparer set up for you. If your payment was returned to the IRS, the agency will mail your check to the current address it has on file for you.

Did the federal government intercept your payment?

If you owe child support, the IRS can redirect your payment to cover past-due support. The Bureau of the Fiscal Service will send you a notice if this happens.

Was your payment just part of what you think you’re 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 figure it used to calculate your payment from your tax returns in 2018 or 2019 is less in 2020.

Likewise, if you now have a new dependent, such as a child, who isn’t reflected on your tax returns, you may be owed more money. In either case, the IRS said, you can claim the additional amount on your 2020 tax return when you file next year. We recommend keeping a detailed record so you don’t forget.

Did someone steal it from your mailbox or defraud you?

Though it’s uncommon, you may believe you’ve been scammed out of your payment or had it stolen. The Federal Trade Commission has a website where you can report a stolen stimulus check. We’ve asked the IRS what other recourse you have if this situation applies to you and we’ll update this article when we hear back. If you’re worried about theft, you can sign up for a free USPS service that will send you a picture of every piece of mail coming your way — including your stimulus payment.

How to call the IRS to ask about your late stimulus check

If you do reach out to the IRS over the phone, it’s a good idea to give yourself plenty of time for the call. We wouldn’t be surprised if call volumes are up, or if conversations take some time. It’s also a smart idea to gather your information in front of you, like a copy of your most recent tax ID and the letter that the IRS sent if you received one.

Within 15 days after it sends out your payment, the IRS should mail you a letter confirming the payment. At the bottom of the letter is a number you can call for more information: 800-919-9835.

In May, the IRS added 3,500 telephone representatives to help with potential problems regarding payments. The IRS help number is 800-829-1040.

By Cliggord Colby, May 29  https://www.cnet.com/personal-finance/what-if-your-stimulus-check-never-comes-this-is-what-you-need-to-do/

20 Comments

  1. Teddy

    Hello my fellow compatriots in Spain. I just wanted give you some good news regarding the 1st stimulus check. Today I happily received my check dated May 1st in my mailbox here in Zaragoza. One thing, it wasn’t through certified mail so it was posted directly in my mailbox; Watch out for it in your box.
    Hope all is well in Spain!

    Reply
    • Antonio Rodriguez

      Thank you Teddy for your update…Some clients, keep send us similar messages… the IRS has been late sending some Stimulus Checks and the Post Office is not helping in the delivering process.

      Reply
  2. Karen Stinson

    You left off one possibility. « Payment Status Not Available ». Apparently if you are on Social Security, it says this and never changes. How long does someone wait? Where to go? We have called and the agents can not give ANY personal information.

    Reply
    • Antonio Rodriguez

      Karen,
      I am not sure, but it seems to me that we wrote a post in the past with this kind of problems… even if I strongly believe that calling the IRS is a real nightmare, the only option is to call them, apart from waiting… In May, the IRS added 3,500 telephone representatives to help with potential problems regarding payments. The IRS help number is 800-829-1040
      Antonio

      Reply
  3. Yolanda Fernandez / Jesus Aguirre

    Dear Sirs, we have received a letter with date May 15/ 2020 (Notice Nº.1444 (EN-SP)confirming a Economic impact payment of $2,400.00 by Check / debit card, how ever as yet we have not received the payment neither by check nor by debit card.

    Question is: are we entitled for this payment? shall we receive the payment?

    Thanks in advance for your time

    Reply
    • Antonio Rodriguez

      Yes, you are entitled to get the payment! You will get it sooner or later… if you want to try, in May, the IRS added 3,500 telephone representatives to help with potential problems regarding payments. The IRS help number is 800-829-1040. Good luck!!!
      Any way, as it has been said before the Stimulus Check is a “refundable non-taxable advance payment” the the 2020 Individual Tax Return, so we need to wait and see how it is shown on next year return.

      Reply
      • Ashley

        What if they used my son’s tax return from the year before when I claimed him as a dependent and NOT the one he filed this tax year as a non-dependent? They managed to get his refund deposited, but he has NEVER gotten a stimulus check. Does that mean he is just out of luck?

        Reply
        • Antonio Rodriguez

          The IRS said that they calculated the Stimulus Check over the 2018 or 2019 tax return and in any case taxpayers can always claim it in their 2020 return if they have not received it.

          Reply
  4. Sonia Maria Riera Gata

    He recibido el cheque de 1,200$ pero en el banco Santander me han dicho que aquí no se puede ingresar, ni hacer efectivo que tiene que ser cambiado en Estados Unidos. Ahora no sé que hacer, ni a quien dirigirme. Me gustaría que me informara que debo hacer con el cheque.

    Reply
    • Antonio Rodriguez

      Sonia, no tengo palabras para describir lo que pienso… el cheque que obra en tu poder es un cheque del Tesoro Americano, se puede ingresar perfectamente pero tiene que enviarlo a un banco americano para validarlo, casulmente el Banco Snatander tiene otro banco americano que se llama igual… te sugiero que vuelvas a la sucursal en la que te han dicho que no se puede ingresar en tu cuenta y les digas que llamen al departamento de extranjero, para comprobar que es un cheque absolutamante válido.

      Reply
  5. Paul

    Hola Antonio,
    yo tampoco he recibido mi cheque de 1200$. La declaración USA del 2018 se presentó, pero la del 2019 todavía no (te envié la informacion del IRPF español) en junio). Tiene que ver con este retraso?
    gracias

    Paul

    Reply
  6. Charles Collado

    I qualified for the stimulus and I checked the IRS page (Get my payment), it says: we deposited on November 12th to my bank account. Now, I haven’t received nothing in my bank account yet. What should I do now? I called my bank and said they haven’t received nothing also; I called the IRS, they said is been deposited. ? what’s next? What should I do now? ?

    Reply
    • Antonio Rodriguez

      Probably the best thing would be to wait until next year and claim it in your tax return…

      Reply
  7. Sandra Carver

    This is Sandra Carver and I’m calling to who it may concern about my stimulus check that I never got for the $1200 I live $1200 I live at 3637 Williams Rd. I never received my 1200 12,000 1200 I mean 1200 and now I need to talk to somebody on how to receive my stimulus check I got the 600 deposited into my checking account I just did

    Reply
    • Antonio Rodriguez

      Sandra, You should claim any missing check with tyhe Recovery Rebate Credit at your US Individual Tax Return 1040 2020. If you need detailed information please do not hesitate to watch the video from the Webinar https://bit.ly/3f8YYQE

      Reply
    • Rahwa Zeweldi

      I did not receive my there
      Stimulate payment

      Reply
      • Antonio Rodriguez

        You should file your Form 1040 2020 with the new Recovery Rebate Credit.

        Reply
  8. Sabrina Parsons

    I never received my second stimulus got my 1st and 3rd but not second I got a letter from the irs saying i have but i havent I did a recovery rebate with turbotax i talked to them they said i was suppose to get one but i havent

    Reply
  9. Rahwa Zeweldi

    I did not receive my there
    Stimulate payment

    Reply

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