I don’t have my refund

If you were expecting a tax refund and it hasn’t arrived, there are many reasons why it could be delayed or it hasn’t been delivered.

What do I need to know?

Do you need to refund immedately?

If you have a financial hardship and need the refund immediately, see Expediting a Refund for available options.

Were you told that you already filed your tax return and received a refund?

You may be a victim of Identity Theft — a common scam is for someone else to use your personal information to file a tax return and steal your refund.

Actions

First, check your refund status.

It’s helpful to know the official status of your refund. Here’s how to find out:

IRS.gov “Where’s My Refund?”
The IRS2Go mobile app
IRS Refund Hotline – 800-829-1954
- Wait at least 21 days after electronically filing and six weeks after mailing your return to contact the IRS by phone.

See Locating a Refund for more details.

Once you know the status of your refund, you can narrow down what might have happened.

Has the IRS released your refund, but you haven’t received it or did you request the IRS mail you a refund check?

It’s possible that it was lost in the mail or stolen. Either way, you’ll need to report the missing refund check and have the IRS start a trace. Learn more about tracing a refund in Lost or Stolen Refunds.

Once the IRS determines the check was lost or stolen, it will let you know how to proceed.

Was your refund supposed to go directly to your bank account?

There are a few things that could have happened:

The bank account information you put on your tax return was incorrect.
- The IRS isn’t responsible if you made an error on your tax return. You’ll need to contact your bank or credit union to find out what to do.
- If you already contacted your bank or credit union and didn’t get any results, file Form 3911, Taxpayer Statement Regarding Refund with the IRS. The IRS will contact the institution and try to help, but the IRS can’t require the bank or credit union return the funds.
The direct deposit information was changed after reviewed and signed your tax return.
- This is could mean you are the victim of tax return preparer fraud.

Is the IRS holding on to your refund?

The PATH Act made the following changes, which became effective for the 2017 filing season, to help prevent revenue loss due to identity theft and refund fraud related to fabricated wages and withholdings:

The IRS may not issue a credit or refund to you before February 15th, if you claim the Earned Income Tax Credit (EITC) or Additional Child Tax Credit (ACTC) on your tax return.
This change only affects returns claiming EITC or ACTC filed before February 15.
The IRS will hold your entire refund, including any part of your refund not associated with the EITC or ACTC.
Neither TAS, nor the IRS, can release any part of your refund before that date, even if you’re experiencing a financial hardship.

The IRS may be reviewing items on your tax return.

See Held or Stopped Refunds for more information.

Your refund amy have been offset to pay other debts.

The IRS can use your refund to pay a tax debt, or other debt such as a student loan or child support — and you haven’t been notified of that action yet.

If you believe you are entitled to all or part of the refund because your spouse is solely responsible for the debt, you may be an Injured Spouse.

Did you get a refund and the amount was less than you expected? Or when you checked the status of your refund, the automated system indicated the IRS had not received your tax return?

You may want to request a transcript of your tax account to see what happened. The IRS may have changed an amount on your tax return during processing, but for some reason you didn’t get a notice, or maybe your tax return wasn’t received by the IRS. A transcript of your account will have information about the receipt and processing of your return

Have you tried to get your refund, and now are having financial hardship?

If you’ve contacted the IRS and tried to get your refund, and not having the money is causing you a financial hardship, the Taxpayer Advocate Service may be able to help.

If none of these seem to fit

If you still aren’t sure what happened with your refund, contact an IRS representative at IRS Tax Help Line for Individuals – 800-829-1040 (TTY/TDD 800-829-4059).

Wait, I still need help.

If your IRS problem is causing you financial hardship, you’ve tried repeatedly and aren’t receiving a response from the IRS, or you feel your taxpayer rights aren’t being respected, consider contacting the Taxpayer Advocate Service (TAS).

Browse common tax issues and situations at Get Help.

You may be eligible for representation from an attorney, Certified Public Accountant (CPA), or Enrolled Agent (EA) associated with a Low Income Taxpayer Clinic (LITC) for little or no cost. Low Income Taxpayer Clinics also provide information about taxpayer rights and responsibilities in different languages for individuals who speak English as a second language.