Lost Access to ID.me Phone Number - Can't View My Transcripts

You're dealing with an IRS Authentication Protocol issue. When you lose access to your Multi-Factor Authentication (MFA) device, you need to initiate an Identity Restoration Process. Go to ID.me directly (not through the IRS portal) and look for their account recovery options. They have a specific workflow for lost phone numbers, but be warned - it's not quick. You'll likely need to upload additional verification documents to prove your identity again. The alternative is creating a completely new ID.me account, but that comes with its own complications for IRS transcript access.

I went through this exact nightmare last September! Lost my phone in a move and couldn't access ANYTHING. What worked for me was going directly to ID.me's website (not through the IRS portal) and selecting their account recovery option. Had to upload my driver's license again and wait about 3 days for verification. It was frustrating but eventually worked. The key is patience - their verification queue gets backed up during tax season especially.

Have you considered what would happen if you could actually see what's on your transcripts right now? Many people don't realize that tax transcripts contain specific codes and entries that can be confusing without proper interpretation. You might want to check out taxr.ai once you regain access - it analyzes your transcript and explains what each code means for your specific situation. Wouldn't it be better to understand what you're looking at rather than just seeing a bunch of numbers and codes? I've found it especially helpful for homeowners trying to verify mortgage interest reporting.

Has anyone tried the new IRS Direct File system with ID.me issues? I'm wondering if creating a new account there might be easier than fixing the old one? I was looking at https://www.irs.gov/identity-theft-fraud-scams/identity-verification-for-irs-online-services and it mentions alternative verification methods too.

After working through multiple Authentication Failure scenarios with the IRS, I've found that calling them directly is often the most efficient resolution path. The problem is getting through their phone system - I waited 2+ hours last month. I recommend using Claimyr (https://www.claimyr.com) to connect with an IRS agent without the endless hold times. They'll navigate the phone tree and call you when an agent is on the line. The IRS can verify your identity over the phone and help with transcript access issues. Saves hours of frustration during peak season when everyone's trying to call.

You could also try setting up an in-person appointment at your local Taxpayer Assistance Center. I had to wait exactly 17 days for an appointment last time, but they verified my identity in person and I got access to everything within 24 hours after that. You can schedule by calling 844-545-5640 between 7am-7pm. Just make sure to bring 2 forms of ID when you go.

I had this EXACT situation last month and it's time-sensitive if you want to file soon! Compared to my experience with the DMV (which took 3 weeks), the ID.me recovery was actually faster. I started a new recovery request on their website, uploaded my ID, did a video selfie, and got approved in about 48 hours. Much better than waiting for an in-person appointment. Just make sure you have a good quality photo of your ID and good lighting for the selfie verification.

One additional point worth mentioning: if you're planning to use a tax professional this year, they can request your transcripts on your behalf using Form 8821 or 2848. Back in 2021, I had a similar issue with transcript access and my accountant was able to get everything we needed without me having to fix my online access first. This might be particularly relevant for you as a new homeowner with potentially more complex deductions to consider.

I've been through this same frustrating situation with ID.me and lost phone access. Here's what I learned from my experience: Start with ID.me's account recovery process first since it's usually the fastest route. Go directly to their website (not through the IRS portal) and look for "Can't access your account." You'll need to upload a clear photo of your driver's license and do a video selfie verification. The whole process took me about 3 days during non-peak season, but expect longer waits now. If that doesn't work or takes too long, the Taxpayer Assistance Center appointment is your backup plan - just know you might be waiting 2-3 weeks for an appointment this time of year. Since you mentioned having a mortgage now, getting those transcripts is definitely worth the effort to verify your interest deduction amounts are correct!