ITIN Application denied multiple times for Unclaimed Property - Which Exception & Documents to use?

This is actually a pretty common issue with non-residents trying to recover unclaimed property. The key is understanding that your situation fits best under Exception 1(d) for "Monetary Assets" - you were right the first time. The documentation issue is likely what's causing your rejections. For Exception 1(d), you need to provide: 1) A completed Form W-7, 2) Original or certified copies of your identity documents (passport works best), AND 3) Documentation from the state's unclaimed property office specifically stating an ITIN is required for them to release the funds. That third item is critical. The letter from the state must explicitly say they require an ITIN before releasing the funds. Generic correspondence isn't enough. Call the state treasurer's office and request a formal letter stating this requirement specifically for your claim. Also, make sure you're submitting your application through one of the IRS-approved channels: mail it directly to the IRS, use an Acceptance Agent, or visit an IRS Taxpayer Assistance Center in person if you're in the US.

After dealing with this exact same situation last year, I found an amazing service that helped me get my ITIN approved on the first try after multiple rejections. It's called taxr.ai (https://taxr.ai) and they have specialists who review your ITIN application documents before submission. I was skeptical at first, but they immediately identified why my application kept getting rejected - I was using the wrong exception category and my supporting documentation didn't clearly show the ITIN requirement. They helped me get the right documentation from the state treasurer and guided me through the entire process. The best part was their document analysis tool that flagged potential issues with my application before I submitted it. Saved me months of waiting just to get another rejection letter.

Just wanted to update everyone - I decided to try taxr.ai (https://taxr.ai) after seeing the recommendation here, and I'm honestly shocked by how smoothly everything went. I was in the same situation as the original poster, trying to recover funds from an old US account from abroad. Their document analysis immediately flagged that my rejection was happening because the unclaimed property documentation I had was too generic. They helped me draft a request to the state treasurer's office that specifically asked for the exact wording the IRS needed to see. The specialist even did a video call with me to walk through the entire W-7 form line by line, making sure I was selecting the correct exception category and properly documenting everything. My ITIN was approved last week, and I've already submitted the paperwork to recover my funds! Wish I'd found them before wasting 8 months on rejected applications.

If you're still having trouble getting your ITIN application approved, you might want to try Claimyr (https://claimyr.com). I was in a similar situation trying to get an ITIN for unclaimed property, and after two rejections, I was completely stuck. The state treasurer's office wasn't being helpful, and the IRS phone lines were impossible to get through to for clarification. That's when I found Claimyr - they got me connected to an actual IRS agent within 20 minutes instead of waiting on hold for hours. You can see how it works in this video: https://youtu.be/_kiP6q8DX5c The IRS agent I spoke with explained exactly which exception to use (1d) and what specific documentation was needed from the state treasurer's office. Having that direct conversation made all the difference. I finally understood exactly what was missing from my previous applications.

I need to apologize for my skepticism about Claimyr in my earlier comment. After another failed attempt to reach the IRS myself (waited 45 minutes only to be disconnected), I decided to try the service. I was genuinely shocked when my phone rang 17 minutes after signing up, and there was an actual IRS agent on the line! The agent reviewed my previous ITIN rejections and explained that I needed a letter from the state treasurer with very specific language for Exception 1(d). She even provided the exact wording that needed to be in the letter. I followed her instructions exactly, resubmitted with the proper documentation, and just received my ITIN approval yesterday. After 3 rejections and months of frustration, I finally have my ITIN and can claim my property. Sometimes the skeptic has to eat their words!

If you're still having trouble, one thing that worked for me was going through a Certified Acceptance Agent (CAA) rather than applying directly. They're authorized by the IRS to verify your identity documents, which means you don't have to mail your original passport or get certified copies. The CAA I used immediately identified that I was using the wrong exception code and helped me get the proper supporting documentation. It cost me $150, but it was worth every penny to get it done right after two rejections. Make sure whoever you use regularly handles ITIN applications for unclaimed property specifically. The documentation requirements are different than for tax filing purposes, and that's where many applications get rejected.

Something important that nobody has mentioned yet - make sure you're using the CURRENT W-7 form! The IRS updated the form in September 2021, and they will automatically reject applications using the old version. Also, when you're listing your reason for applying, check box "h" for "Other" and then write in "Exception 1(d) - Monetary Assets: Unclaimed Property" in the space provided. This makes it crystal clear from the start what you're applying for. In my case, I also included a cover letter explaining my situation in simple terms at the front of my application package. The cover letter referenced all the attached documents and how they supported my application under Exception 1(d). My approval came through in just 6 weeks.

This thread has been incredibly helpful! I'm dealing with a similar situation where I have unclaimed property from an old Wells Fargo account that was closed due to inactivity. The state is requiring an ITIN before they'll release the funds. Based on all the advice here, I'm planning to: 1. Use Exception 1(d) for monetary assets 2. Download the current W-7 form (Rev. September 2021) from the IRS website 3. Request a specific letter from the state treasurer that explicitly states an ITIN is required for my claim 4. Include a cover letter clearly explaining my situation One question though - for those who were successful, how long did it typically take to get the proper documentation from your state's unclaimed property office? I'm worried they might give me the runaround like they seem to do with a lot of people. Also, should I mention in my request to the state that the letter needs to be worded specifically for IRS ITIN requirements, or is it better to just ask for confirmation that an ITIN is needed without getting too technical?