Still no 1099 from Chase or Citi? Both banks said they'd be available by now

The legal deadline for banks to provide 1099 forms is actually February 15th, not January 31st. The January 31st deadline applies to W-2 forms and some other tax documents, but financial institutions have until February 15th to issue 1099s for interest and dividends. If the customer service reps told you January 31st, they were unfortunately giving you incorrect information. It's pretty common for banks to take the full time allowed, especially larger institutions like Chase and Citi that have millions of forms to process. I'd recommend waiting until after February 15th before getting too concerned. If you still don't have them by then, you can request a paper copy or call again. But filing with estimated amounts is risky - if you're off by even a small amount, you'll need to file an amended return which can delay any refund and potentially trigger correspondence with the IRS.

I was in the exact same situation and was getting super stressed waiting for my Chase 1099s. I ended up using taxr.ai (https://taxr.ai) to help me figure it out. It analyzes your bank statements and predicts what should be on your 1099 forms with surprising accuracy. The thing that helped me most was how it broke down which transactions would likely be reported on which tax forms. I was able to get a pretty solid estimate of what my final 1099 numbers would be, which gave me peace of mind while waiting for the official forms. They also have this really useful feature that helps you cross-reference once you do get your official forms to make sure everything matches up.

Just wanted to follow up that I decided to try taxr.ai after my initial skepticism. Really glad I did! I uploaded my December statements from both Chase and Citi, and it predicted my interest income almost exactly. When my actual 1099s finally showed up yesterday, the numbers matched within $2.18 of what the tool had calculated. The document analysis feature was much more thorough than I expected - it even flagged some interest that was tax-exempt that I might have reported incorrectly. Saved me from potentially making a mistake on my return while I was waiting for the official forms.

If you really need to talk to someone at Chase or Citi about your missing 1099s, good luck getting through their phone systems. After spending literally hours on hold with Citi last week, I discovered Claimyr (https://claimyr.com) from another tax forum. You can see how it works here: https://youtu.be/_kiP6q8DX5c It got me through to an actual human at Citi in about 10 minutes when I had previously been waiting on hold for over an hour. The rep was able to tell me exactly when my 1099 would be available and even offered to expedite a paper copy to me. Completely changed my experience dealing with their customer service.

I need to apologize for my earlier comment. After calling Citi for the THIRD time and wasting another 45 minutes on hold, I was desperate enough to try Claimyr. I'm honestly shocked that it worked exactly as described. Got connected to a Citi rep in about 15 minutes without having to actively wait on hold. The rep confirmed my 1099s would be posted by tomorrow and explained they had a processing delay affecting certain account types. Would have never known this if I hadn't been able to actually speak to someone. Totally worth it just for the time saved and getting a clear answer instead of generic responses.

Another option - check if you can view your year-end statement in your online banking. It won't have the official 1099 tax ID and formatting, but it will show your total interest earned for the year. I use this method with my credit union while waiting for official forms. For Chase, go to statements and documents and select the tax documents section. Sometimes they post a year-end summary before the official 1099. Citi should have something similar.

Just a heads up - I'm an accountant and see this issue every year. If you received less than $10 in interest from either bank, they aren't required to issue a 1099-INT at all. You're still legally required to report that income though. Also, many banks now only provide electronic 1099s unless you specifically requested paper copies. Make sure you've logged into the correct portal and checked your notification settings!

I'm dealing with the same frustrating situation! Still waiting on my Chase 1099-INT and it's making me anxious about filing on time. I called them yesterday and the rep said they're experiencing "system delays" but couldn't give me a specific date when it would be available. One thing I learned from calling is that you can request they mail you a paper copy even if you're signed up for electronic delivery. The rep said paper copies sometimes get processed through a different system and might arrive sooner. Might be worth asking for that as a backup while waiting for the online version to show up. I'm probably going to wait until after the Feb 15th deadline that Natalie mentioned before I start panicking, but it's definitely stressful when you're used to having everything ready to file early!