February 18, 2020 0 comment

What do I do if My Tax Refund Doesn’t Come?

Once in a while I get a client who filed a tax return and requested direct deposit of their refund and that refund doesn’t come. There’s a lot of reasons for that.

1- The IRS may have made a mistake. Maybe they miskeyed an account number or routing number and directed that refund somewhere else.

2- Maybe the bank made a mistake and the refund went out from the IRS, but somewhere in the banking void it failed and was misdirected. So if you’re one of those people who have had a misdirected refund, I’m sure is disconcerting. There is a process the IRS has to correct the error and it’s relatively painless, it’s not too difficult. It’s actually form 3911 that you would need to file and the IRS will get on that and get a new refund issued to you. If you do have to file a 3911, your replacement refund will be on a paper check, it won’t be electronically deposited into your account and it may take 8 weeks or so just because that’s the kind of normal turn around time for the IRS to get a paper check out. Plus they do have to do some verification to figure out what happened to the actual refund, but all in all not a very difficult process.

3- If your refund never makes it to your account because of an error that your preparer made or maybe that you made and that refund ends up in some other persons account, the process is a little bit more difficult. You’ll actually have to contact the bank where that refund went and work through the bank. The IRS will not go to bat for you for what amounts to your own errors or the errors of your tax preparer. So just be aware of that and make sure you give your preparer accurate information and verify the account number and routing number after your preparer prepares the return and before you sign the return or the e-file authorization. Make sure you’ve checked those numbers because it is a little harder to get a refund back when it’s your error.

Anyway, if you have a problem with that or need any help, I’m more than happy to help you out. Otherwise, happy tax season!