I went through this exact same situation about 3 years ago! First thing - breathe. You're not going to jail and this is way more common than you think. Here's my step-by-step approach that worked for me: 1. Start with the IRS online transcript request (yes, you'll need to verify through ID.me but it's worth it). This will show you exactly what employers reported for each year. 2. Focus on 2022-2024 first since those are the years you can still get refunds for. Don't stress about earlier years right now - get current first. 3. For missing W-2s, try contacting HR departments first. Even if a company closed, their payroll records often transfer to successor companies or payroll services. I was shocked how many "closed" businesses still had my records. 4. If you're feeling overwhelmed, definitely consider the free VITA program mentioned earlier. They helped me file 3 years of back taxes for free and were incredibly patient. The key thing to remember: if you were always having taxes withheld and making under $18K, you were almost certainly due refunds every year. The IRS doesn't penalize you for filing late when they owe YOU money. You've got this!

I'm a tax preparer who works with a lot of young adults in similar situations, and I want to reassure you that this is incredibly common! You're definitely not alone, and the fact that you're addressing it now shows maturity. A few additional tips from my experience: 1. Since you mentioned some employers have closed completely, don't forget about temporary staffing agencies if you worked through any. They often maintain records longer than the actual businesses. 2. If you had any 1099 work (freelance, gig work, etc.), those are often easier to track down since the companies that paid you should have copies. 3. Consider filing your returns in chronological order (oldest first) rather than jumping around. This helps establish a clean record with the IRS and makes it easier to track your progress. 4. Keep copies of EVERYTHING you file, even the late returns. You'll want this paper trail for future reference. The good news is that with your income levels, your returns will likely be straightforward once you have the documents. Don't let this stress consume you - take it one year at a time and you'll get through it!

I just went through this exact situation with TD Ameritrade and wanted to share what worked for me. Like many others here, I received both a 1042-S and 1099-DIV as a US resident, which was really confusing at first. After reading through all the great advice in this thread and doing some research, here's what I discovered: The 1042-S often gets generated when you hold international ETFs or ADRs (American Depositary Receipts) in your account. Even though you're a US resident, the underlying foreign dividends sometimes trigger the non-resident withholding system. The solution that worked for me was exactly what @Amara Adebayo and others described - report both as dividend income on Schedule B, but make absolutely sure you claim the withholding credit. In my case, I had $142 withheld on the 1042-S and ended up getting back about $65 as a refund because the non-resident rate was much higher than my actual tax bracket. One thing I'd add that I don't think was mentioned yet - if you use tax software, look for a specific "Form 1042-S" entry option rather than trying to manually enter it as generic dividend income. Both TurboTax and FreeTaxUSA have dedicated sections for 1042-S forms that automatically handle the withholding calculations correctly. Also definitely call Morgan Stanley ASAP to get your status fixed. I had to escalate to a supervisor at TD Ameritrade, but they eventually updated my profile and I shouldn't get a 1042-S next year.

I just went through this exact situation with Schwab a few months ago! The confusion between 1042-S and 1099-DIV forms as a US resident is unfortunately quite common, especially if you hold any international investments. Here's what I learned from my experience and speaking with a tax professional: **Why this happens:** Even as a US resident, if you hold foreign stocks, international ETFs, or ADRs in your account, the underlying dividend payments sometimes get processed through the non-resident withholding system by mistake. This triggers the 1042-S form even though it shouldn't apply to you. **How to handle it for your 2024 taxes:** 1. Report BOTH forms as dividend income on Schedule B - don't put the 1042-S under "Other Income" 2. Most importantly, make sure you claim that $265 withholding as federal tax already paid - this is your money! 3. Double-check the amounts to ensure you're not reporting the same dividends twice (compare dates and amounts between the forms) 4. In tax software, look for the dedicated "Form 1042-S" section rather than trying to manually enter it **The silver lining:** Since non-resident withholding rates are typically much higher than what you'd owe as a US resident, you'll likely get a refund of the excess withholding. In my case, I got back about $180 of the $295 that was withheld. **For next year:** Definitely call Morgan Stanley to update your residency status in their system. I had to submit a new W-9 form to Schwab, and it took about 4-6 weeks to process, but I haven't received a 1042-S since then. Hope this helps - this situation is more common than you'd think, so don't stress too much about it!

I'm going through something very similar right now with FreeTaxUSA! My state refund came through fine but federal is missing, and when I contacted them, they're acting like I never filed at all. Reading through everyone's experiences here has been incredibly validating - I was starting to think I was losing my mind. The advice about asking specifically for the "transmission team" or "e-file department" is brilliant. I called back after reading QuantumQueen's suggestion and finally got transferred to someone who could actually see technical details. Turns out my federal return had a "validation error" that caused the transmission to fail, but their system never sent me any notification about it! I'm definitely going to file that CFPB complaint that Aisha mentioned - it sounds like that's the magic button to get these companies to actually take responsibility. Has anyone had success getting documentation of exactly WHEN the transmission failed? The technical person I spoke with mentioned an error timestamp but said they couldn't email me that information directly. I feel like having that specific timing would be crucial evidence for the IRS. Thanks to everyone sharing their stories and solutions. It's frustrating that this is such a common issue across different tax software companies, but at least we're not dealing with it alone!

This thread has been incredibly helpful! I'm dealing with a similar issue with TaxSlayer where my federal return seems to have vanished into thin air despite my state return going through perfectly. Reading everyone's experiences confirms this is definitely a systemic problem across the tax software industry. I just wanted to add another resource that helped me - if you're having trouble getting through to the IRS even with the callback services mentioned, try calling their Practitioner Priority Line at 866-860-4259 early in the morning (around 7 AM). You don't need to be a tax professional to use it, and I've found the wait times are much shorter than the main taxpayer line. Also, when you do get through to the IRS, make sure to ask for a "non-filing letter" or documentation that shows no return was received for your tax year. This is official IRS documentation that you can use as evidence with both your tax software company and for penalty abatement purposes. It carries more weight than just verbal confirmation from an IRS agent. The combination of this official IRS documentation plus the transmission error evidence from your tax software company creates a bulletproof case that this was a technical failure, not user error. I'm preparing my CFPB complaint now based on everyone's advice here - fingers crossed it works as well as it did for others!

I'm dealing with almost the exact same issue! Filed my 2022 return on April 28th and owe about $8,200. Been trying to set up an installment plan for the past week and keep getting that same "unable to complete transaction" error. It's so frustrating because I thought the online system was supposed to make this process easier. From reading all these responses, it sounds like there are multiple potential causes - timing issues with processing, identity verification problems, browser compatibility, or even old account flags. I'm going to try the different browser suggestion first since that's the easiest fix, then maybe wait another week or two before exploring some of the other services people mentioned. Thanks everyone for sharing your experiences - at least now I know I'm not the only one dealing with this and that there are solutions out there!

I went through this exact same situation last year and it was incredibly stressful! The good news is that making partial payments while you're waiting for the system to work is actually a smart strategy. The IRS recognizes good faith efforts to pay, and any payment you make will reduce the balance that accrues interest and penalties. From my experience, the "unable to complete transaction" error is almost always a timing/processing issue rather than a qualification problem. Since you owe less than $50k and filed recently, you should definitely qualify for a streamlined installment agreement once their system catches up. Here's what I'd recommend: try the browser switching trick first (worked for several people in my tax prep group), then if that fails, make a payment of whatever you can afford right now - even $500-1000 shows good faith. Keep trying the online system every few days, and if you're still stuck after 3-4 weeks, that's when I'd consider using one of the phone services people mentioned. The key thing is not to panic - the IRS would much rather have you on a payment plan than not paying at all. You're doing everything right by being proactive about this!

One thing to consider that hasn't been mentioned yet - if your church is part of a larger denomination, check with their financial office first. Many denominations have established procedures for member loans and may even have template agreements that comply with both IRS requirements and their own governance rules. Also, consider setting up the loan with a nominal interest rate (like 1-2%) instead of zero interest. This can actually simplify things tax-wise since you avoid the imputed interest calculations entirely, and the small amount of interest income is usually manageable. The church can still benefit significantly from below-market rates without triggering the complex IRS rules around gift loans. Make sure you understand your state's usury laws too - some states have minimum interest rate requirements even for loans to nonprofits. Better to be safe and charge a small amount than risk having the loan structure challenged later.

Another consideration worth mentioning - if your church has any pending legal issues or financial disputes, you might want to wait until those are resolved before making the loan. I learned this the hard way when I lent money to a nonprofit that later had creditor issues. Even though my loan was properly documented, it got tied up in their financial restructuring for months. Also, consider whether you want to include a clause allowing you to convert the loan to a donation at any time. This gives you flexibility if the church's situation changes or if you decide you'd rather take the charitable deduction. Just make sure this conversion option is clearly documented in the original agreement so there's no question about your intent with the IRS. One more practical tip - set up a separate savings account just for tracking this loan. Keep all the paperwork together and document any payments or communications about the loan. If you ever need to prove to the IRS that this was a legitimate loan (not a gift), having clean records will save you a lot of headaches.