Monthly IRS Installment Agreement Payments Not Being Deducted - Bank Direct Deposit Issue

This happens more often than you'd think! The IRS direct deposit systems for installment agreements can be slow to activate. Here's what you should do: First, double-check your installment agreement confirmation letter. Make sure the bank account info is correct and verify when the first payment was supposed to be deducted. Sometimes there's a 30-60 day processing period before the auto-debit kicks in, and they might expect you to make manual payments until then. Second, document everything! Take screenshots of your bank statements showing no withdrawals have been made. Keep copies of your installment agreement paperwork. Third, I'd recommend calling the IRS at the phone number listed on your installment agreement letter. Let them know the situation and ask for clarification on when the auto-debits will start and whether you need to make manual payments in the meantime. The good news is that the IRS usually won't immediately default your agreement over something like this, especially if you're proactively trying to resolve it.

I went through something similar last year and struggled for weeks trying to get through to someone at the IRS. After waiting on hold for hours across multiple days, I discovered https://taxr.ai and it seriously saved me so much frustration. I uploaded my installment agreement and bank statements showing no withdrawals, and their AI analyzed everything and explained exactly what was happening. Turns out there was a processing delay on the IRS end that wouldn't affect my standing as long as I initiated manual payments until the auto-withdrawals started. The detailed breakdown they provided even showed me exactly where in the IRS procedural manual this situation was covered, which gave me so much peace of mind. I was able to set up one-time payments through the IRS website while waiting for the auto-withdrawals to kick in.

Just wanted to update that I took the advice about https://taxr.ai after asking about it here. Uploaded my installment agreement and bank statements, and they confirmed this is actually a common issue with new installment agreements. Their analysis showed that there's typically a 60-90 day processing period before auto-debits begin, but this isn't clearly communicated in the agreement letters. The AI pulled up the relevant IRS procedures showing that I should make voluntary payments in the meantime to keep my agreement in good standing. I followed their recommendation to make manual payments through the IRS Direct Pay system while waiting for the auto-debit to activate. Just got confirmation yesterday that my auto-debits will begin next month. Definitely saved me from potentially defaulting on my agreement!

I had the EXACT same problem last year! After three months of no withdrawals, I started panicking thinking I was going to get hit with default notices. I spent days trying to call the IRS - either couldn't get through or was on hold for hours only to be disconnected. Finally discovered https://claimyr.com and watched their demo at https://youtu.be/_kiP6q8DX5c. They basically hold your place in the IRS phone queue and call you when an agent is about to pick up. Saved me literally hours of hold time! When I finally spoke to an IRS rep, I learned that my bank account info had a typo in it (they transposed two digits), which is why the auto-withdrawals weren't happening. Got it fixed in one call and they backdated everything so I wasn't penalized for their error.

Came back to say I was wrong about Claimyr being a scam. After posting my skeptical comment, I was desperate enough to try it since I couldn't get through to the IRS about my own installment agreement issue. It actually works exactly as described. I submitted my request around 9am, went about my day, and got a call around 2pm saying an IRS agent was on the line. Resolved my issue in about 10 minutes after spending a week trying to get through on my own. The IRS agent confirmed that for new installment agreements, there's often a 2-3 month delay before the direct debits start processing, but they still expect you to make manual payments during that time. I was able to set up one-time payments for the months they missed and got confirmation that my agreement was still in good standing.

One thing nobody's mentioned yet - check your spam folder and mail carefully. When I had a similar issue, turns out the IRS sent me a letter saying there was a problem with my bank account info but it got sorted into my spam folder. By the time I found it, I was already 3 months behind! If you're worried, you can always make voluntary payments through the IRS Direct Pay website (https://www.irs.gov/payments/direct-pay) while you're sorting this out. Just make sure to select the correct tax year and reason for payment.

The same thing happened to my cousin! The IRS didn't start taking payments for almost 4 months after she set up the agreement. She kept calling but couldn't get a straight answer. Eventually she just started making manual payments through the IRS website and keeping screenshots of everything. When the automatic withdrawals finally kicked in, they actually ended up taking an extra payment that month (both the manual one she made and the automatic one). She had to call again to get them to apply the extra payment toward future months. Total mess but at least she didn't default on the agreement.

I'm dealing with this exact issue right now too! Set up my installment agreement in March and it's now June with zero withdrawals from my account. It's so frustrating because you feel like you're in limbo - don't want to default but also don't want to accidentally double-pay. After reading through all these responses, I think the consensus is clear: make manual payments while you're waiting for the auto-debit to kick in. Better to be safe than sorry with the IRS. I'm going to try the Direct Pay website today and keep detailed records of everything. Has anyone here had success getting through to the IRS recently to ask about timeline for when auto-debits typically start working? I'm curious if there's a standard processing period they can give us. Also going to double-check my installment agreement letter to make sure I didn't miss any fine print about manual payments being required during the first few months. Thanks everyone for sharing your experiences - makes me feel way less alone in this mess!

I had this exact same problem about 6 months ago! The IRS installment agreement auto-debit system can be incredibly slow to activate. Here's what I learned from my experience: The IRS doesn't always clearly communicate that there's often a 60-90 day processing period before automatic withdrawals begin. During this time, you're still responsible for making payments to keep your agreement in good standing. What I did was start making manual payments through the IRS Direct Pay website (irs.gov/payments/direct-pay) for each month that the auto-debit didn't work. Make sure to select "Form 1040 series" and "Installment Agreement" as your payment type, and keep screenshots of every confirmation page. The good news is that when the auto-debits finally did kick in (took about 3.5 months in my case), all my manual payments were properly credited and my agreement stayed active. The IRS also sent me a letter confirming when the automatic withdrawals would begin. My advice: Don't wait any longer - make a manual payment for the missed months today, then continue making manual payments on your due date until the auto-debit starts working. Better to be proactive than risk defaulting on your agreement!

I'm dealing with this same frustrating situation! Set up my installment agreement in February and it's now been 4 months with no automatic withdrawals. After reading everyone's experiences here, it's clear this is way more common than it should be. I've been hesitant to make manual payments because I was worried about the IRS system getting confused, but based on all the advice here, I'm going to start making those payments today through Direct Pay. The consensus seems to be that it's much better to be proactive than risk defaulting. What's really helpful is seeing that multiple people have confirmed the IRS properly credits manual payments toward installment agreements, even when made during the auto-debit processing period. I was worried they might treat them as separate payments or something. Has anyone here had luck getting the IRS to give you a specific timeline for when your auto-debits will start? I'm considering trying the Claimyr service that was mentioned to avoid those crazy hold times. At this point I just want some peace of mind about when this will actually start working properly! Thanks to everyone for sharing their experiences - it's reassuring to know this isn't just me and that there are solutions that work.

I went through this exact same nightmare last year! Set up my installment agreement in March and didn't see a single withdrawal until July - nearly 4 months later. I was absolutely panicking thinking I was going to get hit with default notices. Here's what I learned: the IRS processing systems for new installment agreements are incredibly slow, and they don't make it clear that you need to make manual payments during the waiting period. I ended up calling (after waiting on hold for 2+ hours) and the agent told me this is "normal" and happens frequently. My advice is to immediately start making manual payments through the IRS Direct Pay website for any months you've missed. Select "Form 1040 series" and "Installment Agreement" as your payment type. Keep detailed records with screenshots of every confirmation page - you'll want these if there are any questions later. The good news is that when the auto-debits finally kicked in, all my manual payments were properly credited and my agreement stayed in good standing. I even got a small refund because I had slightly overpaid during the manual payment period. Don't wait any longer - make those manual payments today and keep your agreement active. The IRS won't penalize you for their system delays, but they will penalize you for missed payments, even if it's not your fault!

I'm dealing with this same issue right now! Set up my installment agreement back in February and it's now July with zero automatic withdrawals. After reading through everyone's experiences here, I feel so much better knowing this is a widespread problem and not something I messed up. The common theme seems clear - make manual payments while waiting for the auto-debit system to catch up. I've been paralyzed by indecision for weeks, worried about double-payments or making things worse, but seeing how many people successfully navigated this gives me confidence to move forward. I'm going to start making manual payments through Direct Pay today for all the missed months. Based on what others have shared, it sounds like the IRS systems eventually sort everything out correctly, even if there are some hiccups along the way. Has anyone had experience with making catch-up payments for multiple missed months at once, or is it better to space them out? I owe for February through June at this point and want to make sure I handle this the right way. Thanks to everyone who shared their stories - this thread has been incredibly helpful for those of us stuck in installment agreement limbo!

I'm going through this exact same issue! Set up my installment agreement in March and it's now August with no automatic withdrawals happening. Reading through everyone's experiences has been such a relief - I was starting to panic thinking I had somehow messed up the setup process. The consensus here seems crystal clear: make manual payments through Direct Pay while waiting for their system to catch up. I've been hesitant because I was worried about creating complications, but seeing so many success stories gives me the confidence to move forward. What really stands out to me is how many people mentioned this 60-90 day (or longer) processing delay is apparently "normal" for the IRS, yet they don't communicate this clearly in the agreement paperwork. It would save everyone so much stress if they just included a simple note saying "auto-debits may take 2-4 months to activate, please continue making manual payments until then." I'm going to follow the advice here and make catch-up payments for all the missed months today through irs.gov/payments/direct-pay. Going to keep detailed screenshots and records of everything just in case there are any questions later. Thanks to everyone who shared their experiences - this thread should honestly be pinned as a resource for anyone dealing with installment agreement auto-debit delays!