Need IRS letter of indemnity for closed bank account - what to expect?

I found a way to solve IRS letter of indemnity request, watch this: https://www.youtube.com/watch?v=5RXS12YxgW8

Ugh, dealing with the IRS is always a pain. But don't worry, I've been through something similar. Here's what you need to do: 1. Gather all your bank info and documents related to the account closure 2. Have your tax ID number ready 3. Be prepared to explain why your account was closed 4. Ask specifically for a "letter of indemnity" 5. Be patient - it might take a while on hold Good luck! Let us know how it goes.

I found a way to actually get someone on the phone at the IRS! I used this site's (claimyr.com) calling tool that dials the phone menu, stays on hold, waits for a live agent to pick up, then sends the call to my phone. It does cost $20, but it works. Here's a video about it: https://youtu.be/_kiP6q8DX5c

lol good luck dealing with those clowns at the IRS 🤡 I've been trying to get a simple form for months and they keep giving me the runaround

Have you tried reaching out to your local Taxpayer Advocate Service? They can sometimes help navigate tricky situations with the IRS.

Just went thru this last month. Make sure you ask for a supervisor if the first person you talk to isn't helpful. Took me 3 calls but I finally got what I needed. Stay strong! 💪

Why did your bank close your account? Might be important info for the IRS to know.

Pro tip: call right when they open in the morning. You'll have a better chance of getting through quickly.

Am I the only one who thinks its ridiculous that we have to jump through all these hoops just to get a simple letter? The system is broken smh

Hey OP, don't forget to double check if your state tax agency needs any info about the closed account too. Sometimes they require separate notification.

Another thing to keep in mind - when you call, have your Social Security number and the bank's routing number ready. The IRS will likely ask for both to verify your identity and locate the correct account information. Also, if you have any documentation from the bank about the closure (like a letter or final statement), that can be helpful to reference during the call. The whole process is actually pretty standard for them, so don't stress too much about it!

I went through this exact situation about 6 months ago! Here's what I learned that might help: When you call, ask specifically for Form 911 (Request for Taxpayer Advocate Service Assistance) if you run into any roadblocks. Also, the IRS has a specific department for bank account issues - ask to be transferred to the "Refund Inquiry" unit, they handle indemnity letters regularly. One more tip: if your refund was supposed to go to that closed account, mention that upfront as it helps them understand the urgency. The whole call took me about 45 minutes including hold time, but I got the letter within 10 business days. You've got this! 👍

Just want to add one more thing that helped me when I went through this - make sure you get a reference number or case number when you call! The IRS rep should give you one after they process your request. Write it down and keep it handy because if you need to follow up or if there are any delays, having that number makes everything so much easier. Also, don't be surprised if they ask you to verify some basic info about your tax return from the year the refund was issued - they might want to confirm your filing status or AGI just to make sure everything matches up. The whole process really isn't as scary as it seems once you get started!

Hi. My husband and I are going through a similar situation with Truist Bank. May we ask what bank did this?

I actually work for a tax preparation service and deal with these situations fairly often. One thing that hasn't been mentioned yet - if you're calling about a refund that was supposed to go to the closed account, the IRS will likely need to issue what they call a "manual refund check" along with the indemnity letter. This can add a few extra weeks to the process, so just be prepared for that timeline. Also, when you call, mention right away that you need an indemnity letter for a closed bank account - this helps them route you to the right department faster. The representatives are actually pretty helpful once you get to the right person. Don't let the horror stories scare you too much!

Just wanted to share my recent experience since I went through this exact process last week! Called the IRS main number (1-800-829-1040) and when prompted, selected option 1 for refund inquiries, then option 3 for direct deposit issues. Got connected to someone who knew exactly what I needed when I mentioned "indemnity letter for closed bank account." The rep was actually super helpful and walked me through everything. They took down my bank info, asked about the account closure reason, and confirmed my mailing address. Got my confirmation number on the spot and they said to expect the letter in 10-15 business days. Total call time was about 35 minutes including hold. Way less intimidating than I expected! Pro tip: have your last tax return handy because they might ask you to verify some details from it.