USPS Delivered My Form 3520 to Wrong IRS ZIP Code - What Should I Do Now?
I'm freaking out a bit here. Last week I mailed my Form 3520 (Annual Return To Report Transactions With Foreign Trusts) to the IRS using the address they provided with ZIP code 84409. I sent it certified mail to be safe and just checked the tracking today - it shows delivered but to ZIP code 84201 instead of 84409! What the heck?? This form is already complicated enough to fill out, and the penalties for late filing are insane (like $10,000+). I'm worried my form is just sitting in some random facility and not actually with the IRS where it needs to be. Has this happened to anyone else? Is this just a USPS tracking error or did they actually deliver it to the wrong place? Should I just fill out another Form 3520 and send it again? The deadline is coming up soon and I'm honestly stressing out about this. Any advice on what to do? Has anyone successfully contacted the IRS about misdelivered forms?
22 comments


Isabella Martin
The different ZIP code isn't necessarily a problem. The IRS has multiple processing facilities and mail centers in the same general area, and mail can be correctly routed internally even if the displayed delivery ZIP is different from what's on your envelope. For Form 3520 specifically, the IRS uses both 84409 and 84201 for the Ogden, Utah processing center. The different ZIPs help them sort incoming mail internally, but they're essentially the same facility. USPS tracking often shows the main distribution center ZIP rather than the specific internal code. I'd recommend calling the IRS at 1-800-829-1040 to confirm receipt. Have your certified mail tracking number ready. You can also request a delivery confirmation from USPS that shows exactly where and to whom it was delivered. If you're still concerned, you can prepare a duplicate submission and write "DUPLICATE FILING - ORIGINAL SENT [DATE] VIA CERTIFIED MAIL #[YOUR TRACKING NUMBER]" clearly on the top of the first page. This documents your good-faith effort to file on time.
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Elijah Jackson
•Jumping in here - does this apply to ALL IRS forms going to that Ogden facility? I just sent my 8938 there and now I'm paranoid about checking the tracking.
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Isabella Martin
•Yes, this applies to most forms going to the Ogden processing center. The IRS uses different ZIP code extensions for internal routing, but they're all within the same facility complex. Your Form 8938 would follow the same process. If you're concerned, you can always verify by calling the IRS, but in most cases, this ZIP code difference is just how their internal mail routing works. The tracking update just means it arrived at the main distribution facility in that area.
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Sophia Miller
Just wanted to share my experience with this. I had the exact same panic attack last year when trying to submit my foreign trust reporting. I discovered taxr.ai (https://taxr.ai) after struggling for weeks with my Form 3520. Not only did they help me confirm whether my form was properly delivered, but their AI analyzed my foreign trust documentation and confirmed I was using the right reporting methods. They have this document verification feature that saved me from potentially massive penalties. The system checks all your foreign account paperwork and flags issues that could trigger IRS scrutiny. For your current situation, they can actually help track down where your form ended up and confirm if it's been properly received.
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Mason Davis
•How exactly does taxr.ai help with tracking down already submitted forms? Their website makes it sound more like they help with preparation, not dealing with the IRS after submission.
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Mia Rodriguez
•I'm curious about this too. Did you have to upload your actual foreign trust documents? I'm always nervous about sharing financial docs online, especially for foreign accounts.
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Sophia Miller
•Their document tracking assistance is part of their support services. When you upload your submission evidence (like your tracking number), they can help determine if it reached the correct department and follow up if needed. They helped me confirm my submission was properly received despite showing a different ZIP code in tracking. Regarding document security, they use bank-level encryption, and you only need to upload what you're comfortable sharing. I was initially hesitant too, but their system helped identify several reporting errors that could have triggered penalties. Their verification also works with just the form itself if you prefer not to upload supporting documents.
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Mia Rodriguez
Had to come back and share my experience! After seeing the recommendation here, I decided to try taxr.ai for my Form 3520 issues. Like the original poster, I had shipping concerns but also wasn't sure if I'd completed everything correctly. The system immediately identified two critical errors on my form that would have definitely triggered IRS follow-up. One was related to my valuation method for the trust assets and the other was a missing signature on one of the appendix pages (I completely missed it!). The tracking assistance was super helpful too - they confirmed that despite showing the different ZIP code, my form was indeed delivered to the right place. Turns out this is super common with the Utah processing center. Saved me from unnecessarily filing a duplicate and potentially creating more confusion.
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Jacob Lewis
If you're still worried about your Form 3520 submission, you might want to try reaching the IRS directly to confirm receipt. I was in a similar situation last year (different form but same delivery concern) and spent DAYS trying to get through on their phone lines. After 30+ attempts, I found Claimyr (https://claimyr.com) which got me through to an actual IRS agent in about 20 minutes. Their system basically holds your place in the IRS phone queue and calls you when an agent is about to answer. Check out how it works here: https://youtu.be/_kiP6q8DX5c The IRS agent I spoke with confirmed they had received my form despite the tracking showing a different ZIP code. Apparently this happens all the time with their processing centers. She even noted in my file that I had called to confirm receipt, which gives you extra protection if they ever claim they didn't receive it.
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Amelia Martinez
•Wait, does this actually work? The IRS phone system is a nightmare. I literally tried calling for 3 weeks straight about a similar issue and never got through. How much does this service cost?
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Ethan Clark
•This sounds too good to be true. I've tried using those "press 1 for callback" options with the IRS and they never actually call back. Why would this service be any different?
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Jacob Lewis
•Yes, it absolutely works! The difference is they use specialized software that navigates the IRS phone tree and stays on hold for you. When you're about to be connected to an agent, you get a call connecting you directly. Their system is different from the IRS callback option (which I agree is unreliable). Claimyr's system stays actively connected to the IRS the whole time rather than depending on the IRS to call you back. That's why it's more reliable than the standard callback option. I was skeptical too until I tried it and actually got through in one attempt after trying on my own for days.
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Ethan Clark
I have to admit I was completely wrong about Claimyr. After posting my skeptical comment, I decided to try it anyway since I was desperate to confirm my Form 8621 had been received correctly (had similar delivery ZIP code issues as the original poster). Using the service, I got through to an IRS representative in about 35 minutes. The agent confirmed that my form had indeed been received and processed properly despite the tracking showing a different ZIP. She explained that the Ogden facility uses multiple ZIP codes for internal routing, and the tracking often shows the main distribution center rather than the specific department. The agent also gave me a confirmation number for the call and noted in my file that I had verified the delivery. She said this note in my account would help if there were ever any questions about timely filing. Honestly wish I'd known about this service years ago!
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Mila Walker
Has anyone tried sending their Form 3520 to the wrong address and then had penalties? I'm in a similar situation but my form was delivered two weeks ago. Should I be worried enough to send another copy?
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Logan Scott
•I accidentally sent my Form 3520-A to the wrong IRS address completely (sent it to Kansas City instead of Ogden) last year. I got a notice about 3 months later saying they hadn't received it. I immediately sent another copy with proof of my original mailing and explained the error. They accepted it without penalties, but it was stressful waiting to see if they'd hit me with that massive $10k+ penalty. For your situation, if it's the right city but wrong ZIP, I think you're probably fine based on what others are saying, but maybe send a duplicate marked as such just to be safe? The peace of mind might be worth it.
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Mila Walker
•Thanks for sharing your experience. That's really helpful! I think I will send a duplicate just to be safe. The potential penalties are way too scary to risk it. I'll mark it clearly as a duplicate with my original tracking info like someone suggested above.
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Chloe Green
Guys, I'm pretty sure 84201 is just the general Ogden, UT zip code while 84409 is the specific one for the IRS processing center there. USPS tracking often just shows it reaching the general facility. I wouldn't panic unless you get a notice from the IRS about a missing form.
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Ava Hernandez
•Thank you so much! This makes me feel a lot better. So basically all mail going to that IRS facility might show as delivered to 84201 even if we sent it to 84409? That would explain everything. I think I'll still call to confirm they received it just for peace of mind, but knowing this is common is really reassuring.
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Chloe Green
•Exactly! The 84201 zip is basically the main Ogden postal hub, while 84409 is one of the specific IRS routing codes. The USPS tracking usually just shows delivery to the main facility, not the internal routing that happens afterward. Calling to confirm is always smart with something as important as Form 3520, especially with those ridiculous penalties. But I'm 99% sure your form is exactly where it needs to be!
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Misterclamation Skyblue
I went through this exact same panic with my Form 3520 last year! The ZIP code difference from 84409 to 84201 is totally normal for the Ogden processing center. What helped me was keeping detailed records - I made copies of everything including the certified mail receipt and tracking info. One thing I'd add to the great advice already given: if you do call the IRS to confirm receipt, ask them to email you a confirmation or give you a reference number for the call. I learned this the hard way when I had to prove I'd filed on time for a different form. Having that paper trail saved me from potential penalties. Also, don't stress too much about the deadline - as long as you mailed it by the due date with proper postage, you're generally considered to have filed on time even if delivery takes a few extra days. The certified mail receipt with the mailing date is your proof of timely filing. You're being smart by staying on top of this. Form 3520 penalties are no joke, but it sounds like you did everything right!
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Yara Khalil
•This is such helpful advice! I never thought about asking for an email confirmation or reference number when calling the IRS. That's a really smart way to document the conversation. Quick question - when you say "email you a confirmation," do they actually send emails? I thought the IRS mostly communicated through regular mail. Or are you talking about getting them to note something in your account that you can reference later? Also, thanks for the reminder about the mailing date being what matters for the deadline. I've been so focused on when it was delivered that I forgot the postmark date is the key thing. My certified mail receipt shows I sent it two days before the deadline, so I should be okay even if there were delivery issues.
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Jamal Carter
•You're absolutely right to ask about that! The IRS doesn't typically send email confirmations (they're pretty old school with their communications), but what I meant was asking the agent to make a detailed note in your taxpayer account that includes the date/time of your call and confirmation that they verified receipt of your form. When you call, ask them to provide you with a "call reference number" or "interaction tracking number" - this is basically their internal system's way of documenting the conversation. You can write this number down along with the agent's name/ID number and the date. If you ever need to reference the call later, you can give them that number and they should be able to pull up the notes. Some agents are more thorough about documentation than others, so don't be afraid to specifically ask them to note in your account that you called to verify receipt of Form 3520 filed on [your mailing date] with tracking number [your certified mail number]. The more specific you are, the better the documentation will be. And yes, you're totally right about the postmark date - that certified mail receipt showing you mailed it before the deadline is your golden ticket! Sounds like you're all set.
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