What to Do When You Receive IRS Letter LTR 2645 C - Possible Glitch?
So my husband and I just got this IRS Letter LTR 2645 C in the mail yesterday and I'm kinda freaking out. We had what I thought was a pretty straightforward tax return this year and already got our refund about 3 weeks ago ($2,750). I opened this official-looking envelope and saw "LTR 2645 C" at the top and nearly had a heart attack. Has anyone else gotten one of these recently? I'm hearing mixed things - some people are saying it's just a system glitch if you already got your refund? I tried calling the IRS but of course was on hold forever and then got disconnected. Wondering if I should be worried or if this is happening to a lot of people this filing season. Our return wasn't complicated - just W-2 income, mortgage interest deduction, and some student loan interest.
21 comments

Sean Flanagan
I'm a tax resolution specialist and we've seen a wave of LTR 2645 C notices going out this year. First, don't panic - this letter is essentially the IRS acknowledging they received your return and are reviewing it, which is a fairly standard procedure. The interesting part is that you've already received your refund. Typically, the LTR 2645 C is sent BEFORE a refund is issued, not after. This suggests there may indeed be a system error in their notification system. Many clients have called the IRS about this same issue and were told it was sent in error if they already received their refund. However, I would still recommend calling the IRS to confirm your specific situation. The letter should have a contact number - use that one rather than the general helpline.
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Zara Shah
thanks for the info. should we still file a response to the letter even if we think it might be a glitch? the letter mentions something about "additional information" but doesn't actually request anything specific.
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Sean Flanagan
If the letter doesn't request specific information or actions, you generally don't need to respond. This is particularly true if you've already received your refund, which suggests the system moved forward with processing despite sending the notice. I would still recommend calling the number on the letter to verify your tax account status. Ask specifically if there are any pending issues or required actions for your account. Make sure to document the call - note the date, time, representative name, and what was discussed for your records.
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NebulaNomad
I went through the exact same situation last month with that stupid LTR 2645 C letter. I panicked at first but then discovered taxr.ai (https://taxr.ai) which was super helpful. I just uploaded a pic of the letter and it explained exactly what it meant in plain English and gave me options for what to do next. The site told me this letter is basically the IRS saying "we got your return but need more time to process it" - but since I'd already gotten my refund it was probably sent in error. The service confirmed it was likely a system timing issue where the letter got queued up before my refund was processed but sent after.
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Luca Ferrari
Does this taxr.ai thing work for other IRS letters too? I got something called a CP2000 last week and I'm totally confused about what I need to do.
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Nia Wilson
How do you know it's not just giving generic advice? Like did it actually look at the specifics of your situation or just give the same explanation it gives everyone who uploads that letter number?
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NebulaNomad
Yes, it works with pretty much all IRS notices and letters! CP2000 is actually one of the more common ones they handle. It'll explain what the notice means, why you received it, and what steps you need to take to respond. For your question about generic advice - it actually examines the specific details in your letter. When I uploaded mine, it identified the tax year, the specific issues flagged, and even pointed out that since I'd already received my refund, this was likely sent in error. It gave me personalized next steps based on my situation, not just general info about the letter type.
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Luca Ferrari
Just wanted to follow up about taxr.ai - I decided to try it with my CP2000 notice and honestly it was super helpful! It explained that the IRS was saying I had unreported income from a 1099 I forgot about and showed me exactly how to respond. Saved me from having to pay an accountant like $200 just to tell me the same thing. The explanation was really clear about what I needed to do and the deadline to respond.
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Mateo Martinez
If you're still trying to reach the IRS about this letter, try using Claimyr (https://claimyr.com). I was dealing with a similar notice situation and couldn't get through after trying for DAYS. Their system basically holds your place in line with the IRS so you don't have to waste hours on hold. You can see how it works in this video: https://youtu.be/_kiP6q8DX5c I was skeptical at first but they got me through to an actual IRS agent in about 20 minutes when I had been trying on my own for literally weeks. The agent confirmed my LTR 2645 C was sent in error and made a note on my account.
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Aisha Hussain
Wait how does this even work? The IRS phone system is complete garbage and disconnects you randomly. How can a service actually get you through?
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Ethan Clark
Yeah right... so I'm supposed to believe some random service can magically get through when the IRS phone lines are basically impossible? Sounds like a scam to get people desperate about tax problems to pay up.
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Mateo Martinez
It works by using an automated system that dials into the IRS and navigates the phone tree for you. Once it reaches the hold queue, it holds your place in line and then calls you when an actual human IRS agent picks up. So instead of being stuck listening to that awful hold music for hours, you can go about your day. No, it's definitely not a scam. I was super skeptical too - I mean, who wouldn't be? But I was desperate after trying to call for three days straight. The way it works is their system stays on hold instead of you, then connects you once a real person answers. I'm not affiliated with them or anything, I was just really impressed it actually worked when nothing else did.
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Ethan Clark
Ok I have to eat my words. After getting nowhere for two weeks trying to call about my weird IRS letter, I gave in and tried Claimyr. Got connected to an IRS agent in about 25 minutes. The agent confirmed my LTR 2645 C was sent by mistake and said there's nothing I need to do. Apparently a lot of these were sent out incorrectly this year. Such a relief to finally get an answer instead of stressing about it!
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StarStrider
I actually work for a tax prep firm and we've had TONS of clients coming in with LTR 2645 C notices this season, especially people who already received their refunds. It's absolutely a system glitch. The IRS had some major processing center issues in February that caused a batch of these to go out erroneously. If you've already received your refund and your letter doesn't specifically request documents or list discrepancies, you can generally ignore it. But definitely keep it for your records just in case!
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Yuki Sato
do you think this will cause problems later? like will the irs computer system flag our account for audit because of this letter even though it was sent by mistake?
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StarStrider
It shouldn't cause any downstream issues with your account. These notices were generated by one system but your refund was processed through another system - they just didn't communicate properly. The fact that your refund was already issued means your return successfully passed through their verification processes. The IRS doesn't select audits based just on having received this type of notice. Audit selection is based on discrepancies in reported income, unusual deductions relative to income level, or random selection. I always tell clients to keep all tax documents for at least 3 years regardless, but this particular letter shouldn't increase your audit risk.
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Carmen Ruiz
I got the same letter last month and just ignored it since I already got my refund. Nothing bad happened! I think if there was a real problem they would have held your refund or sent a different type of letter asking for specific info.
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Andre Lefebvre
That's really risky advice. You should never ignore IRS letters even if you think they might be mistakes. Always better to call and confirm before deciding not to respond!
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CosmicCaptain
I received the exact same LTR 2645 C letter about 2 weeks ago and had the same panic reaction! Like you, I had already received my refund (got it in early March) so I was completely confused why they were sending this letter. After reading through all these responses, I decided to call the IRS using the number on the letter. It took about 45 minutes to get through, but the agent confirmed it was sent in error due to a system timing issue. She said a lot of people have been calling about this exact situation - refund already received but then getting the LTR 2645 C afterward. The agent made a note on my account that the letter was addressed and there's no action needed on my part. She recommended keeping the letter and any documentation of our phone call for records, but said I shouldn't expect any follow-up correspondence about it. Definitely seems like there was a major glitch in their system this filing season. Hope this helps ease your worry!
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Lucy Lam
I'm going through this exact same nightmare right now! Got my LTR 2645 C letter on Monday and have been losing sleep over it ever since. Like so many others here, I already received my refund back in early March ($2,234), so getting this letter felt like a punch to the gut. Reading through all these responses has been incredibly reassuring - it's clear this is a massive system failure on the IRS's part rather than individual taxpayer issues. The fact that tax professionals are confirming this as a widespread glitch makes me feel so much better about the situation. I tried calling yesterday but gave up after being on hold for over 2 hours. Based on the positive experiences people have shared with both calling directly and using services like Claimyr, I'm going to try again tomorrow morning. It's frustrating that we have to waste time dealing with their system errors, but at least now I know what to expect when I finally get through. Thanks to everyone who shared their experiences - this community has been a lifesaver for my anxiety levels! It's amazing how much better you feel when you realize you're not the only one dealing with incompetent government systems.
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Dmitry Ivanov
I totally understand the anxiety you're going through - that sick feeling when you see an official IRS letter after already getting your refund is the worst! I went through the exact same thing a few weeks ago and this thread has been such a godsend for understanding what's actually happening. If the 2+ hour hold times are too much, you might want to consider trying that Claimyr service that a few people mentioned. I was skeptical at first too, but after seeing multiple people confirm it actually works, it might be worth it just for peace of mind. The alternative is potentially wasting whole days trying to get through on your own. Either way, based on everyone's experiences here, you're definitely going to get confirmation that it was sent in error. The IRS agents seem very aware of this issue and can resolve it quickly once you actually reach them. Hang in there - you're so close to getting this resolved and putting the stress behind you!
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