The IRS claims I owe taxes I already paid - Have receipt but they show no record! What to do?
Just got back from my honeymoon to find a scary letter from the IRS waiting in my mailbox. According to them, I owe $4,500 in taxes with a due date of February 15th - which is literally FIVE days from today! Talk about a post-vacation mood killer. Here's the frustrating part - I definitely paid these taxes already! I used the pay1040.com website back in April when I filed my return. I have the receipt from pay1040.com AND my bank statement showing the money was taken from my account. I immediately logged into my account on irs.gov to check my payment history, and weirdly, there's absolutely no record of my payment showing up in their system. It's like my money just disappeared into thin air! I've been trying to call the IRS for the past two days but keep getting stuck in their automated system hell. No matter what options I select, I can't seem to get through to an actual human being. What should I do now? Has anyone dealt with something like this before? I'm starting to panic a bit since the due date is so soon! UPDATE: Found the issue! When making the payment, I accidentally used my spouse's SSN instead of mine (primary taxpayer) on our joint return. Lesson learned!
21 comments


Freya Pedersen
This happens more often than you'd think! Don't panic - you have documentation of payment which is the most important thing. Here's what you should do: First, make a copy of your receipt from pay1040.com and your bank statement showing the transaction. You'll need these as proof. Next, draft a response letter to the IRS explaining the situation. Include copies (never originals) of your payment proof and reference the notice number from the letter they sent you. Mail this response using certified mail with return receipt requested so you have proof they received it. This creates a paper trail protecting you from penalties while they sort it out. Also check if there might have been a mismatch in how the payment was applied. Sometimes payments get misapplied if there was a typo in your SSN or tax year specification when you made the payment. While you wait for this to resolve, keep trying different times to call the IRS - early morning (right when they open) is often best for getting through.
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Omar Hassan
•Do you think they should also make the payment again just to avoid penalties, and then get a refund later? I've heard the IRS can be really slow processing these kinds of disputes and the penalties add up fast.
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Chloe Anderson
•The same exact thing happened to me last year! I used pay1040 and the payment wasn't showing up in my IRS account. Turned out I had accidentally input the wrong tax year when making the payment. The money was sitting in my account but applied to the wrong year. Definitely check that!
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Freya Pedersen
•You definitely shouldn't pay twice unless absolutely necessary. The documentation showing you already paid should prevent penalties if you respond promptly to the notice. Just make sure to keep copies of everything and document all communication attempts. The payment application issue is a common one. In addition to checking the tax year, also verify the SSN used for the payment matches the primary taxpayer's SSN on the return. For joint returns, the payment must be applied to the first SSN listed on the tax return. Many people use their spouse's SSN by mistake when making payments for joint returns.
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Diego Vargas
I went through this nightmare last year and discovered taxr.ai (https://taxr.ai) which helped me sort everything out. My situation was almost identical - paid through a third-party processor, had my receipt, but the IRS had no record of it. I uploaded my receipt and bank statement to taxr.ai and their system analyzed everything, identified the likely issue (I had used my business EIN instead of my personal SSN when making the payment), and generated a response letter specifically for my situation. They also extracted all the exact payment details from my receipt that the IRS needed to track down my payment. The best part was they explained exactly what would happen next and how long it would typically take to resolve. Saved me so much stress because I knew what to expect!
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CosmicCruiser
•How does this service work exactly? Do actual tax professionals review your documents or is it all automated? I'm in a similar situation but nervous about uploading financial docs to random websites.
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Anastasia Fedorov
•Sounds interesting but did it actually help resolve your issue faster? Or did you still have to wait forever for the IRS to fix things? Seems like they move at their own pace regardless of what documentation you provide.
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Diego Vargas
•The service uses both AI and tax professionals. The system initially analyzes your documents to identify discrepancies and issues, then generates customized documentation for your situation. You can request professional review if your case is complex. They use bank-level encryption for document security, so I felt comfortable uploading my info. It definitely helped resolve my issue faster because I sent exactly what the IRS needed to find my payment in their system. Without the specific guidance, I would have sent incomplete information and probably gone through multiple rounds of correspondence. The IRS still took about 4 weeks to process everything, but it was resolved in one attempt rather than the multiple back-and-forths my friend experienced with a similar issue.
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Anastasia Fedorov
Just wanted to update that I tried taxr.ai after seeing this thread and it was actually super helpful! I was skeptical at first, but they identified the exact problem right away. In my case, I had made a payment through my tax software but selected "2024 estimated tax" instead of "2023 tax return payment." Their system generated a perfect response letter with all the transaction details highlighted exactly as the IRS needs to see them. Got a resolution letter from the IRS last week confirming they found my payment and applied it correctly. Whole process took about 3 weeks which was way faster than I expected. The detailed analysis they provided showed me exactly what went wrong, and now I know what to watch out for when making future payments. Would definitely recommend if you're stuck in payment purgatory with the IRS!
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Sean Doyle
When this happened to me last year, I spent DAYS trying to get through to the IRS. Complete waste of time. Finally tried Claimyr (https://claimyr.com) and they got me connected to an IRS agent in less than 20 minutes. You can see how it works here: https://youtu.be/_kiP6q8DX5c I was super skeptical at first, but it actually worked! The IRS agent was able to look up my payment by the confirmation number on my receipt and found that it had been misapplied to a different tax year. They fixed it on the spot and sent me a confirmation letter. Saved me from having to send letters back and forth and waiting months for a resolution. Worth every penny just for the stress relief of getting it resolved immediately.
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Zara Rashid
•Wait, how does this actually work? The IRS phone system is designed to be impossible to navigate. How does this service get you through when nobody else can?
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Luca Romano
•Sorry, but this sounds like BS. I've tried EVERYTHING to reach the IRS including calling right when they open. No way some service can magically get through when millions of people can't. Probably just keeps you on hold like everyone else.
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Sean Doyle
•It works by using technology that navigates the IRS phone system and waits on hold for you. When they reach a live agent, you get a call connecting you directly. It basically automates the hold process so you don't have to stay on the phone for hours. They use specialized dialing systems that continuously try different menu options and timing strategies to maximize the chance of getting through. It's not magic - just automated persistence. I was skeptical too, but the service called me back in about 15 minutes with an actual IRS representative on the line. Way better than the 3+ hours I spent trying on my own without ever reaching anyone.
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Luca Romano
I need to eat my words and apologize to Profile 14. After posting my skeptical comment, I was desperate enough to try Claimyr since my IRS issue was about to hit the deadline. I honestly expected it to be a waste of money, but I got a call back in 32 minutes with an actual IRS agent on the line! The agent found my payment immediately (it was applied to my spouse's separate account even though we filed jointly). She fixed it while I was on the phone and canceled the collection notice. She even gave me a confirmation number for the correction. I spent WEEKS trying to get through on my own with no success. Wish I hadn't been so stubborn - could have resolved this whole thing a lot sooner. If you're on the fence about trying it, just do it. The peace of mind alone is worth it.
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Nia Jackson
Have you checked if maybe the payment went through but was applied to the wrong tax year or wrong type of tax? This happened to me once - I paid my regular income tax but they applied it to self-employment tax or something. Called the local Taxpayer Advocate Service and they helped sort it out. Might be worth trying them instead of the main IRS number.
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NebulaNova
•How do you contact the Taxpayer Advocate Service? Do they have a separate number that's easier to reach than the main IRS line?
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Nia Jackson
•You can find your local Taxpayer Advocate Service office by going to the IRS website and searching "Contact your local Taxpayer Advocate." Each state has their own office with a direct phone number. They're generally much easier to reach than the main IRS line. The Taxpayer Advocate Service is specifically designed to help when you're experiencing hardship from IRS issues or when normal IRS channels aren't working. In my case, they were able to locate my payment within their system and get it properly applied to my account. They can also put holds on collection activities while they investigate your situation.
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Mateo Hernandez
Did you check if your spouse's SSN was used instead of yours when making the payment? That's what happened to me with our joint return. The payment was showing up under my wife's account but not mine, even though I was the primary taxpayer. Such a stupid system that they can't link payments between spouses on joint returns!
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Ravi Gupta
•THAT'S IT!!! I just double-checked my receipt and I definitely used my spouse's SSN when making the payment instead of mine. I didn't realize the payment had to be linked to the primary taxpayer's SSN on a joint return. Thank you so much for suggesting this! I'll call again tomorrow with this specific information and hopefully get it resolved. Can't believe such a small mistake caused this much stress. The IRS really should make this clearer when accepting payments.
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Kaiya Rivera
Great news that you found the issue with using your spouse's SSN instead of yours! This is such a common mistake with joint returns. When you call the IRS tomorrow, make sure to have both your receipt from pay1040.com and your bank statement ready. Tell them specifically that the payment was made using your spouse's SSN but needs to be transferred to your account as the primary taxpayer. They should be able to locate the payment in their system and reapply it correctly to your return. Also mention the collection notice number from the letter you received - this will help them pull up your case quickly. Once they transfer the payment, ask them to send you a written confirmation and to remove any penalties that may have been assessed. You might also want to update your post with this resolution since it could help other people who run into the same issue. The SSN mix-up on joint returns seems to trip up a lot of folks!
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Ben Cooper
•This is such valuable advice! I'm new here but dealing with a similar payment mix-up situation. Quick question - when you call the IRS about transferring a payment between spouses on a joint return, do both spouses need to be on the call? Or can the primary taxpayer handle it alone? I'm worried about having to coordinate schedules to get this resolved before any deadlines hit.
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