IRS Website Shows "Account in Jeopardy of Lien or Levy" Warning Despite No Balance Owed - Is This Legitimate?
I just logged into my IRS account today to check if my refund was processed yet and I saw a message saying 'Your Account Is in Jeopardy of Lien or Levy' and telling me to pay immediately or they might file a Notice of Federal Tax Lien and levy my assets. The exact message is: "Your Account Is in Jeopardy of Lien or Levy Please pay immediately by bank account, by card, or set up a payment plan, if applicable. Resolve your balance, or we may file a Notice of Federal Tax Lien (if we haven't already) and levy your assets." There was also a section below that said: "Did you receive an unexpected outreach from the IRS? If you got an unexpected call, text, email, social media message or in-person visit, it's not us. Protect yourself from scams. In almost all cases, our first contact is through regular mail delivered by the United States Postal Service." And there was a link to "View your mail from the IRS." The weird thing is I dont owe anything at all! My last three returns all resulted in refunds which I received. I'm confused why this message is showing up. Has anyone else experienced this? Is this some kind of glitch in the system or should I be worried? I'm especially confused because the message is telling me to "pay immediately" but doesn't specify any amount or tax year that I supposedly owe for. The website URL at the bottom was sa.www4.irs.gov which seems legitimate. Should I be calling the IRS about this, or is this a known system issue?
54 comments


Yuki Yamamoto
This could be a couple of things. First, check if you have ANY balance at all from previous years - even a small amount like $20 can trigger automated notices. Second, the IRS systems sometimes display generic warnings that don't apply to your specific situation. Third, there could be an assessment or adjustment you're not aware of. I recommend: - Download your account transcripts for the last 3 years (not just return transcripts) - Look for any TC 420 (Examination Indicator) or TC 480 (Examination Assessment) codes - Check if there are any penalties or interest that might have been assessed - Call the IRS (1-800-829-1040) to confirm your account status Don't panic yet, but definitely investigate further to make sure there's not an actual issue.
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Ethan Brown
•Thanks for the detailed explanation. I'm honestly not sure how to find or read those transcripts. Where exactly do I access those? I'm worried about missing something important.
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Yuki Yamamoto
•You can get your transcripts through your online IRS account (same place you saw that message) or request them by mail using Form 4506-T. Look for the "Get Transcript" option.
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Carmen Ortiz
•I had the SAME thing happen. Took me 3 days to get an agent on the phone. Turns out it was a system error and they verified I didn't owe anything. Absolutely nerve wracking tho 😖
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Ethan Brown
•Did you just keep calling until you got through? I tried twice today and gave up after being on hold for 45 minutes each time.
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Carmen Ortiz
•Yep, it was horrible. I called right at opening time (7am) and still waited 90+ minutes. You might want to try the Claimyr service (claimyr.com) - it basically calls for you and lets you know when an agent picks up. Saved my sanity.
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Andre Rousseau
I was in your exact situation last month. It was incredibly stressful and confusing. Reading those transcripts is like trying to decipher a foreign language. I finally found taxr.ai and it completely changed everything. It reads your transcript, tells you exactly what's happening, what the codes mean, and gives step-by-step guidance. It even told me I had a refund coming that I didn't know about! It's insanely good! I use it every week now for both my personal and business taxes. Check it out: https://taxr.ai
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Zoe Papadakis
•Sounds interesting. How exactly does it work? Does it just read your transcript or does it do more?
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Andre Rousseau
•It does WAY more than just read the transcript. It analyzes everything, explains all the confusing codes in plain english, tells you what's happening with your account, finds errors and discrepancies, and even recommends next steps. It's like having a tax pro look over your shoulder but without paying hundreds of dollars. Total game changer honestly.
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Zoe Papadakis
•Just tried it out after reading your comment and OMG WHERE HAS THIS BEEN ALL MY LIFE? I've spent YEARS trying to understand my transcripts and this explained everything in 5 minutes. Everyone dealing with the IRS needs to know about this tool!!!
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Jamal Carter
•Is this some kind of ad? Seems suspiciously positive lol
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Andre Rousseau
•Nah, just someone who was at my wits end with IRS issues and finally found something that helped. But I get the skepticism - there's so much garbage out there promising to help with taxes.
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AstroAdventurer
After going through this exact nightmare scenario, I finally found a way to actually talk to an IRS agent. Used a service called Claimyr (claimyr.com) that got me through to a real human at the IRS in about an hour instead of days of trying. Calling the regular number was completely useless - I tried for 2 weeks straight! The agent confirmed it was just a system error on my account and removed the warning. Talking to a live person was the only thing that fixed it - best money I've ever spent to get this resolved instead of stressing about potential liens.
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Mei Liu
•Another app wanting our money? How is this any different from just calling them yourself?
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AstroAdventurer
•The difference is it actually WORKS. Have you tried calling the IRS lately? It's literally impossible. You call, wait on hold for 2 hours, and then get disconnected. With Claimyr, it calls for you and alerts you when someone actually picks up. Saved me days of frustration.
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Liam O'Sullivan
•does it use ur personal info? idk about giving my ssn to some random app
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AstroAdventurer
•It doesn't need your SSN or any sensitive info - it just helps you get through the phone system. You talk directly to the IRS agent yourself when they connect you.
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Amara Chukwu
•I can second this. Finally got my refund after 8 months because I was able to speak to an actual human who could help. Regular calling was completely hopeless.
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Giovanni Conti
Classic IRS incompetence. They can't even keep their own systems accurate. They'll threaten you with liens and levies over nothing but take 18 months to process a simple return. 🤡
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Fatima Al-Hashimi
•👏👏👏 THIS. They sent me a letter saying I owed $23,000 last year. Turned out they entered my W2 twice by accident. Took 5 months to fix.
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NeonNova
•its not just incompetence its deliberate underfunding. they lost like 25% of there workforce in the last decade and congress keeps cutting there budget. wat do people expect?
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Giovanni Conti
•Nah, I've worked with plenty of underfunded organizations that still manage to not terrify people with false lien threats. This is pure bureaucratic incompetence.
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Dylan Campbell
Check your transcripts carefully - I had something similar happen in June. Turns out they had applied a payment to the wrong tax year which created a false balance due on another year. Once I called and got it sorted out, the warning went away. Don't trust what you see online - their system is full of errors.
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Sofia Hernandez
Ok so this EXACT thing happened to me too!!! I freaked out and spent days trying to figure out what was going on. I even paid an accountant $300 to look into it (waste of money). Turned out to be a glitch in their system that was showing the warning message incorrectly. If you don't actually owe anything, it's probably the same issue. But definitely double check your transcript or call to confirm.
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Ethan Brown
•That's reassuring to hear. How long did it take for the warning to go away after you confirmed it was a mistake?
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Sofia Hernandez
•it took about 3 weeks after I talked to them on the phone. they had to "update the system" or whatever bureaucratic nonsense they do. just make sure u get a case number or reference number when u talk to them!
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Dmitry Kuznetsov
dont trust online irs account messages. I've had incorrect info show up there multiple times. only thing u can trust is an actual letter in the mail from them.
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Ava Thompson
Before you do anything else, pull your transcripts for all tax years! The IRS makes mistakes ALL THE TIME. I've had them mix up accounts, apply payments to the wrong years, and even claim I didn't file when I did. If you only look at your account online, you might not see the whole picture. You need the actual transcripts.
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Miguel Ramos
•Totally agree! My transcript showed a refund was issued but their online account showed I still owed money. The transcript was correct, the online account was wrong.
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Zainab Ibrahim
IRS is a shitshow rn. They're backlogged on everything and their systems don't talk to each other properly. I had a similar scary message last year and it was because they hadn't processed an amendment yet even though they had cashed my check. The left hand doesn't know what the right is doing.
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StarSailor
Did you file all required tax forms? Sometimes people forget about things like: - Estimated tax payments if you're self-employed - Form 8889 for HSA contributions - State tax returns (separate from federal) - Required minimum distributions from retirement accounts Any of these could trigger a warning even if you think everything is fine.
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Ethan Brown
•I'm not self-employed and don't have any complicated tax situation. Just a regular W2 employee with standard deductions.
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StarSailor
•Then it's probably just a system error. The IRS computer systems are from the stone age and frequently show incorrect statuses. But still double check your transcripts to be safe.
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Connor O'Brien
Dealing with this tax stuff on your own is a nightmare. I spent literally WEEKS trying to interpret my transcript and figure out why I got a similar notice. Eventually gave up and tried taxr.ai and it decoded everything instantly. Showed me exactly what was happening, explained every code on my transcript, and told me the exact steps to fix it. Can't recommend it enough. https://taxr.ai
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Yara Sabbagh
•another ad for this? hmm 🤔
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Connor O'Brien
•Lol not an ad, just sharing what worked for me. I was absolutely desperate after spending hours on hold with the IRS and getting nowhere. But you do you 🤷♂️
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Keisha Johnson
•I just tried it out and holy crap, it actually works! It found a refund that was supposed to come to me that got applied to an old balance that wasn't even mine (irs had mixed up my account with someone else). Would never have figured that out on my own.
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Paolo Rizzo
theres also a lot of scams going around right now with fake irs messages. are u sure ur on the actual irs.gov website? lot of scam sites look almost identical.
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Ethan Brown
•Yeah I'm definitely on the official site. Logged in with my ID.me account and everything.
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Amara Nwosu
•Good that you verified it's the real site. Since you're sure it's legitimate, this is almost certainly a system glitch. I'd recommend downloading your account transcript first to see if there are any hidden issues, then calling the IRS if the transcript looks clean. Their phone system is terrible but it's the only way to get these false warnings removed from your account.
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Arjun Kurti
This is definitely stressful to see! I had a similar scare last year where the IRS website was showing I owed money when I didn't. A few things to check: 1. Log into your account and download your "Account Transcript" (not just the return transcript) - this shows all activity on your account including payments, adjustments, and any automated assessments. 2. Look for any unfamiliar transaction codes or balances from previous years that might have been missed. 3. The warning message is often triggered automatically by their system even when there are data processing delays or misapplied payments. Since you mentioned the URL showed "sa.www4.irs.gov" and you used ID.me to log in, it sounds like you're definitely on the legitimate site. The fact that it's not showing a specific amount owed is actually a good sign - usually real balances will show exact dollar amounts. I'd recommend calling the Practitioner Priority Service line (1-866-860-4259) if you can't get through on the main number. They sometimes have shorter wait times. Get your transcript first though - it will help the agent understand what's happening with your account much faster. Don't panic, but definitely follow up to get this cleared up for your peace of mind!
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Ravi Sharma
•This is really helpful, thank you! I'm going to try downloading the account transcript first like you suggested. The fact that no specific amount is showing does make me feel a bit better. I'll also try that practitioner priority number if I can't get through the main line. Really appreciate the detailed advice - this whole thing has been keeping me up at night!
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Oliver Weber
I went through this exact same nightmare about 6 months ago! The "Account in Jeopardy" message appeared on my IRS account even though I had zero balance and had received refunds for the past several years. It was absolutely terrifying to see. Here's what I learned from my experience: 1. **It's likely a system glitch** - The IRS computer systems are notorious for displaying incorrect warnings, especially during busy periods or after system updates. 2. **Download your account transcripts immediately** - Go to your IRS online account and get your "Account Transcript" for the last 3-4 years. This will show you the real status of your account with all transaction codes. 3. **Look for these specific things on your transcript:** - Any balances showing as unpaid - Payment reversals or adjustments you weren't aware of - Penalties or interest assessments - Returns that may not have processed correctly 4. **The phone call is essential** - I know everyone says calling the IRS is impossible, but it's really the only way to get this resolved. Try calling right at 7 AM when they open - I had better luck then. In my case, it turned out to be a processing error where a payment got misapplied to the wrong tax year, creating a phantom balance. Once I got through to an agent, they fixed it in about 10 minutes and the warning disappeared from my account within a few days. Don't panic, but definitely don't ignore it either. The good news is that if you truly don't owe anything, this should be relatively straightforward to resolve once you get the right person on the phone.
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Sean O'Brien
•This is incredibly reassuring to hear from someone who went through the exact same thing! The phantom balance from misapplied payments makes total sense - I bet that's what happened in my case too. I'm definitely going to download those account transcripts first thing tomorrow morning and then try calling right at 7 AM like you suggested. It's such a relief to know this is a known issue and not just me going crazy. Thank you so much for sharing your experience and the step-by-step advice - this gives me hope that it'll get resolved quickly once I can actually talk to someone!
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Paolo Rizzo
I had this exact same thing happen to me about 3 months ago and it scared the hell out of me! Turns out it was a system error on their end. Here's what I did: First, I downloaded my account transcript like others mentioned - it clearly showed I had a $0 balance and no issues. But the scary warning message was still there on the main account page. I tried calling for days and kept getting disconnected. Finally got through using a trick someone told me - call exactly at 7:00 AM when they open and immediately press 1, then 2, then 3 when the menu starts (don't wait for it to finish). Got connected to an agent in about 45 minutes instead of hours. The agent confirmed it was a "system display error" and said they've been getting tons of calls about this issue. She made some notes on my account and said the warning would disappear within 2-3 business days. Sure enough, it was gone by the end of the week. Don't stress too much - if you truly don't owe anything and your transcripts are clean, this is almost certainly just their crappy computer system acting up. But definitely call to get it officially cleared up because you don't want that warning sitting there indefinitely. Also, pro tip: when you do get an agent, ask them to put a note on your account about the system error so if this happens again, the next agent will see it immediately.
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Rachel Tao
•This is super helpful! The phone trick you mentioned (pressing 1-2-3 right when the menu starts) is genius - I never would have thought of that. It's also really smart to ask them to put a note on the account about the system error for future reference. I'm feeling much more confident about tackling this now. Going to try your exact approach tomorrow morning at 7 AM sharp. Thanks for taking the time to share all these details - it makes such a difference to hear from people who've actually been through this nightmare and came out the other side!
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StarGazer101
I've been dealing with IRS issues for years and this "Account in Jeopardy" message has become unfortunately common - it's almost always a system glitch when you don't actually owe money. The key thing to remember is that real IRS collection actions come with very specific details: exact amounts, tax years, and formal notice numbers. Here's my recommended action plan: 1. **Don't panic** - The vague warning without specific amounts is typically a false alarm 2. **Get your Account Transcript** - This is your source of truth, not the online account dashboard 3. **Check for processing delays** - Sometimes refunds or payments create temporary system confusion 4. **Call early** - 7:00 AM sharp has the shortest wait times 5. **Document everything** - Get case numbers and agent names when you call I've seen this happen to dozens of people in this community over the past year, and in every single case where someone truly didn't owe money, it was resolved as a system error. The IRS systems are ancient and prone to displaying incorrect warnings, especially during busy filing seasons. The fact that you received all your refunds and have clean filing history strongly suggests this is just a computer hiccup. Still worth verifying with an agent for peace of mind, but try not to lose sleep over it!
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Sofia Morales
•Thank you so much for this comprehensive breakdown! It's incredibly reassuring to know that this has happened to "dozens of people" in this community and was always resolved as a system error when they truly didn't owe anything. Your point about real IRS collection actions having specific details (exact amounts, tax years, notice numbers) is really helpful - the vague nature of my warning message now seems like a good sign rather than something to worry about. I'm definitely going to follow your action plan step by step. The reminder about documenting everything with case numbers and agent names is smart too. This whole thread has been a lifesaver - I was honestly panicking when I first saw that message, but now I feel much more prepared to handle this systematically. Really appreciate you taking the time to share your expertise!
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Sofía Rodríguez
I had this exact same issue about 4 months ago and it was absolutely terrifying! The "Account in Jeopardy" warning showed up on my IRS online account even though I hadn't owed taxes in years and always got refunds. Here's what worked for me: 1. **Downloaded my Account Transcript** - This showed my actual account status (which was clean) versus what the website was displaying (the scary warning) 2. **Called at exactly 7 AM** - Used the trick someone mentioned about pressing 1-2-3 immediately when the menu starts. Still waited about an hour but got through. 3. **Agent confirmed it was a system error** - She said they've had hundreds of calls about false "jeopardy" warnings appearing on accounts with zero balances. The whole thing was resolved in one phone call. The agent put notes on my account and the warning disappeared within 3 business days. She explained that their computer systems sometimes trigger these warnings incorrectly during system updates or processing delays. Since you mentioned no specific amount is shown and you've been getting refunds, this is almost certainly the same system glitch I experienced. Still nerve-wracking though - I completely understand the panic! Getting that transcript first will give you peace of mind before you call.
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Sebastián Stevens
•This is such a relief to read! I've been stressing about this all day since I saw that warning message. Your step-by-step breakdown of what worked is exactly what I needed to hear. The fact that the agent said they've had "hundreds of calls" about these false warnings makes me feel so much better - at least I know I'm not alone in this. I'm definitely going to download my account transcript first thing tomorrow and then try the 7 AM calling strategy with the 1-2-3 button trick. It's reassuring to know that even with the hour wait, you actually got through and it was resolved in one call. I really appreciate you sharing your experience - it's given me a clear game plan and much more confidence that this will get sorted out quickly!
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Ruby Knight
I went through this exact same scary situation about 2 months ago! That "Account in Jeopardy" warning popped up on my IRS account and I literally couldn't sleep for days thinking they were going to seize my bank account. Here's what I learned and what you should do: **First - Don't panic!** The fact that it's showing a generic warning without any specific dollar amount or tax year is actually a good sign. Real collection notices are very detailed. **Steps I took that worked:** 1. Downloaded my Account Transcript immediately (not just return transcript) - showed I actually had a $0 balance across all years 2. Called right at 7:00 AM using the phone trick others mentioned (press 1-2-3 as soon as the menu starts) 3. Got through to an agent after about 1.5 hours 4. Agent confirmed it was a "system display error" affecting thousands of accounts 5. She cleared the warning and it disappeared from my account within 48 hours The agent told me this has been a widespread issue with their computer systems, especially affecting people who regularly get refunds. Something about how the system processes certain account updates triggers these false warnings. **Pro tip:** When you call, have your Social Security number and a copy of your most recent return handy. The agent will verify your identity and can immediately see if there are any real issues vs. just a system glitch. You're going to be fine! This community has seen this exact scenario play out dozens of times and it's always been resolved as a false alarm when people truly don't owe anything. The hardest part is just getting through to someone on the phone, but the 7 AM strategy really works.
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Justin Evans
•Thank you so much for this detailed walkthrough! It's incredibly comforting to hear from someone who went through the exact same panic I'm experiencing right now. The fact that you couldn't sleep for days really resonates - I've been anxiously checking my bank account every few hours since I saw that warning. Your point about the generic warning without specific amounts being a good sign is really helpful perspective. I'm definitely going to follow your exact strategy: download the account transcript first, then call at 7 AM sharp with the 1-2-3 trick, and have all my documents ready. Knowing that the agent told you this is affecting "thousands of accounts" makes me feel so much less alone in this situation. I really appreciate you taking the time to share such a comprehensive response - it's given me a clear action plan and hope that this nightmare will be over soon!
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Michael Adams
I experienced this exact same terrifying situation about 6 weeks ago! The "Account in Jeopardy" warning appeared on my IRS online account despite having a clean payment history and receiving refunds for the past several years. Here's what happened and how I resolved it: **The Problem:** Same as yours - generic warning message with no specific amount owed or tax year mentioned. I was absolutely panicked thinking they were going to put a lien on my house. **What I Did:** 1. **Downloaded Account Transcript first** - This was crucial. It clearly showed $0 balance across all tax years, confirming I truly didn't owe anything. 2. **Called at exactly 7:00 AM** - Used the tip about pressing 1-2-3 immediately when the automated menu starts (don't wait for prompts to finish). 3. **Waited about 90 minutes** but finally got through to a live agent. 4. **Agent confirmed system error** - She said this has been happening to "countless" taxpayers and is a known glitch in their display system. **The Resolution:** Agent made notes on my account and assured me the warning would be removed within 2-3 business days. It actually disappeared the next day. **Key Takeaway:** The agent emphasized that real IRS collection actions always include specific amounts, tax years, and formal notice numbers. Generic warnings like this are almost always system glitches, especially for taxpayers with clean histories like yours. Don't lose sleep over this (like I did for a week!). Get your transcript to confirm your account is clean, then call to get the false warning removed. You've got this! 💪
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Giovanni Greco
•This is exactly what I needed to hear! I've been refreshing my bank account obsessively since seeing that warning, convinced they were going to freeze my assets any minute. Your experience gives me so much hope - especially knowing that the agent said this is happening to "countless" taxpayers. I love that you mentioned not losing sleep over it (after admitting you did for a week!) - that's probably going to be me too until this gets resolved. I'm definitely going to follow your exact playbook tomorrow: download the transcript first to confirm everything is clean, then call right at 7 AM with the 1-2-3 trick. The fact that yours was resolved the next day instead of taking the full 2-3 business days is really encouraging. Thank you for sharing your experience and for the encouragement - this whole thread has been a lifesaver! 🙏
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