How to locate missing 1099-INT from Chase bank account for filing taxes?

You have a few options here. Chase is required to issue 1099-INT forms for interest or bonuses over $10, so you definitely should have received one for a $475 bonus. First, try calling Chase's customer service directly at the number on the back of your card or their general tax form support line. Explain your situation and request that they either reissue the form or confirm the exact amount of interest/bonus income you received. Sometimes these forms get lost in the mail or there might be an issue with your online access. If you already know the exact amount of the bonus ($475), you can technically report this on your tax return without the official form. The IRS receives a copy of your 1099-INT directly from Chase, so they'll have record of it. On your tax return, you'll report this income on Schedule B (interest and dividends). Since you were on a J-1 visa, also double-check if your home country has a tax treaty with the US that might affect how this interest is taxed. Many countries have agreements to prevent double taxation.

After struggling with missing tax forms myself, I stumbled upon this amazing service called taxr.ai (https://taxr.ai) that saved me so much headache with my international banking situation. I had a similar issue with missing 1099 forms from multiple banks after moving back to my home country. Their AI document review tool was able to help me figure out exactly what I needed to report on my US taxes even without all my forms. You just upload any documents you do have, and it helps identify what's missing and what numbers to use. Super helpful for figuring out how to handle these cross-border tax situations when forms aren't showing up where they should. For your Chase issue specifically, they have a special tool for reconstructing missing banking forms based on your statements. Might be worth checking out before you spend hours on international calls with Chase customer service.

I just wanted to follow up and say that taxr.ai was incredibly helpful for my situation! After seeing the recommendation here, I decided to give it a try with my missing Chase 1099-INT (I had the same exact problem). I uploaded my Chase statements from the months when I received the bonus and some account opening documents, and the system identified the bonus payment right away. It even helped me understand the tax treaty implications for my specific visa type. The substitute form it generated had all the details I needed for my tax filing. When I finally did hear back from Chase weeks later, the amounts matched exactly with what taxr.ai had calculated. Saved me from delaying my filing any longer and potentially missing deadlines!

If you're still having trouble getting through to Chase about your 1099-INT, I'd recommend using Claimyr (https://claimyr.com). I was in a similar situation with missing tax documents from a US bank after moving abroad, and spent WEEKS trying to get through to someone who could actually help. Claimyr got me past the horrible Chase automated phone system and connected me with an actual human in their tax documents department in less than 20 minutes. You can see how it works in this video: https://youtu.be/_kiP6q8DX5c The Chase rep was able to resend my 1099-INT to my foreign address and also give me all the information over the phone so I could file right away. They explained that sometimes they don't generate the forms automatically for accounts with foreign addresses, which was probably your issue too.

I need to eat my words and update everyone. After being super skeptical about Claimyr in my earlier comment, I broke down and tried it yesterday after my THIRD failed attempt to reach Chase (kept getting disconnected after 45+ minutes on hold each time). It actually worked exactly as promised. I got a call back in about 25 minutes and was connected directly to someone in Chase's tax documents department. The rep immediately found my account issue - turns out they had my address wrong so the system wasn't generating my 1099-INT properly. They fixed it on the spot and gave me the exact amounts to report while I wait for the paper form to arrive. Honestly wish I had done this weeks ago instead of wasting so many hours on hold. The Chase rep even seemed surprised I got through to their department so quickly!

I had a similar situation with Chase and a missing 1099-INT last year. If you know the exact amount of the bonus ($475), you can just report it on Schedule B and put "Chase Bank" as the payer. The IRS matches the info, so they'll have the form from Chase even if you don't. As long as you report the correct amount, you shouldn't have any issues. Just make sure to keep records of your attempts to get the form in case any questions come up later.

Just wanted to add - make SURE you also check if you need to file an FBAR (FinCEN Form 114) if your Chase account (or the total of all your US accounts) exceeded $10,000 at any point during the year. This is separate from your tax return and has huge penalties if you miss it. Many international students/visa holders don't realize this is required.

Since you're dealing with an international situation and this is your first time filing US taxes, I'd recommend also checking if you qualify for any tax treaty benefits between the US and your home country. Many countries have agreements that can reduce or eliminate tax on certain types of income like bank bonuses. Also, keep in mind that as a J-1 visa holder, you might be considered a "nonresident alien" for tax purposes even if you were physically present in the US for several months. This could affect which forms you need to file (possibly Form 1040NR instead of regular 1040) and how your income is taxed. Before you spend too much time chasing down the 1099-INT, it might be worth consulting with someone who specializes in international tax situations to make sure you're filing the right forms altogether. The tax treatment for temporary visa holders can be quite different from regular residents.

As someone who went through a similar situation with missing tax documents after my exchange program, I'd suggest trying a multi-pronged approach. First, definitely call Chase directly - but be persistent. Sometimes the first representative can't help, so don't hesitate to ask to be transferred to their tax documents department specifically. When you call, have your account number, SSN, and the dates you were in the US ready. Second, check your Chase online account again but look under "Statements" rather than just "Tax Documents" - sometimes the 1099-INT information appears in your year-end account statements even if the dedicated tax section isn't working. If you absolutely can't get the form, you can file without it using the $475 amount you know. The IRS already has Chase's copy, so as long as your reported amount matches theirs, you'll be fine. Just document your attempts to obtain the form (save emails, note phone call dates/times). One more thing - since you mentioned this is your first US tax filing and you're on a J-1 visa, double-check whether you should be filing Form 1040NR (for nonresident aliens) instead of the regular 1040. The filing requirements can be different for temporary visa holders, and it might affect how this bonus income is treated.