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.
39 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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Lucas Turner
•This is so helpful, thank you! I'm dealing with the exact same situation and have been putting off calling because I was dreading the wait time. Knowing that others have gotten through and confirmed it's just a system error makes me feel so much better. Did the agent give you any kind of confirmation number or reference number for the call? I want to make sure I have proper documentation when I call about mine.
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Madeline Blaze
I'm going through the exact same thing right now! Got my LTR 2645 C letter three days ago and I've been stressed out of my mind about it. My husband and I already received our refund back in February ($3,180) so when I saw this letter I thought maybe they made a mistake and wanted the money back or something. Reading all these responses is such a relief - sounds like this is happening to a lot of people this year. I'm definitely going to call the number on the letter tomorrow to get confirmation that it's just a system glitch. It's so frustrating that the IRS can't get their act together and is causing all this unnecessary anxiety for people who filed correctly and already got their refunds. Thanks everyone for sharing your experiences, especially the tax professionals who explained what's really going on. Makes me feel a lot less alone in dealing with this mess!
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Amaya Watson
•I'm so glad you found this thread helpful! I was in the exact same boat when I got my LTR 2645 C letter - total panic mode even though I'd already received my refund weeks earlier. It's really reassuring to see how many people are dealing with this same issue and that it's just a system glitch on the IRS's end. When you call tomorrow, make sure to have your Social Security number and the letter handy. From what others have shared, the agents are aware of this issue and can quickly confirm if it was sent in error. I'd also suggest calling early in the morning if possible - seems like wait times are shorter then. You're definitely not alone in this! The IRS really needs to get their systems synchronized better so they stop sending these scary letters after people have already received their refunds. Hope your call goes smoothly tomorrow!
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Yara Khoury
I'm dealing with this exact same situation right now! Got my LTR 2645 C letter yesterday and immediately went into panic mode, especially since we already received our refund about a month ago ($1,847). After reading through everyone's experiences here, I feel so much better knowing this is a widespread system glitch. It's honestly ridiculous that the IRS can't coordinate their systems properly - they process and send out refunds but then their notification system is still queued up to send these letters afterward. I'm planning to call the number on the letter tomorrow morning to get official confirmation that it was sent in error, but based on what everyone here has shared, it sounds like that's exactly what I'll be told. Really appreciate all the tax professionals and others who've shared their experiences - this community is so helpful for navigating these stressful IRS situations! Has anyone heard if the IRS is planning to send out any kind of clarification notice to people who received these erroneous letters? Seems like they should proactively communicate about such a widespread system error.
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Saleem Vaziri
•I haven't heard anything about the IRS sending out clarification notices for this widespread LTR 2645 C issue, but honestly that would be the responsible thing to do given how many people are affected. From what I've seen in this thread and other tax forums, thousands of people are dealing with this same situation. You're absolutely right that it's ridiculous their systems aren't coordinated - how do you process a refund successfully but then still send a letter saying the return needs additional review? It's causing so much unnecessary stress for people who filed correctly and already got their money. When you call tomorrow, you might want to ask the agent if there's any official communication planned about this glitch. Even if they can't give you a definitive answer, at least it would put the issue on their radar that taxpayers want some clarity. Good luck with your call - based on everyone else's experience, you should get confirmation pretty quickly that it was sent in error!
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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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Emma Thompson
I'm dealing with this exact same situation and found this thread incredibly helpful! Got my LTR 2645 C letter last week and was completely freaked out since I already received my refund in February ($3,421). Based on everyone's experiences here, I decided to bite the bullet and call the IRS this morning. Used the number directly on the letter and got through after about an hour and 15 minutes on hold. The agent immediately knew what I was calling about when I mentioned LTR 2645 C and having already received my refund. She confirmed it was sent in error due to a "processing timing issue" and made a note on my account that no action is required. She also mentioned they've been getting hundreds of calls about this exact situation daily, so it's definitely a widespread system glitch. The agent said to keep the letter for my records but that I shouldn't expect any follow-up correspondence about it. Such a relief to finally have official confirmation! Thanks to everyone who shared their experiences here - it really helped me understand what was happening and gave me the confidence to call. For anyone else dealing with this, definitely call if you can get through. The peace of mind is worth the hold time.
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Isabella Martin
•Thanks for sharing your update Emma! It's so reassuring to hear another confirmation that this is definitely a widespread system error. An hour and 15 minutes on hold isn't fun, but honestly that's better than some of the horror stories I've heard about IRS wait times. I'm curious - did the agent give you any insight into whether the IRS is planning to fix this system issue to prevent it from happening again next filing season? With hundreds of calls daily about the same problem, you'd think they'd want to address the root cause. It's causing so much unnecessary stress for taxpayers who did everything right and already received their refunds. Definitely keeping this thread bookmarked in case anyone else I know runs into this situation. The collective experiences here have been more helpful than anything I could find on the official IRS website!
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Lia Quinn
I just wanted to add my experience to help others who might be going through this same stressful situation. I received my LTR 2645 C letter about 10 days ago and had already gotten my refund back in early March ($1,956). Like everyone else here, I was completely panicked when I saw that official IRS envelope. After reading through all these helpful responses, I called the IRS yesterday morning around 8:30 AM and surprisingly only waited about 35 minutes to get through to an agent. The representative was very familiar with this issue and immediately confirmed it was sent due to a system error. She explained that their notice generation system wasn't properly synchronized with their refund processing system, which is why so many people are getting these letters after already receiving their refunds. She made a notation on my account and assured me no response or action is needed on my part. The agent also mentioned they're working on implementing fixes to prevent this from happening in future filing seasons, though she couldn't give me a specific timeline. For anyone still dealing with this - definitely call if you can. The peace of mind is absolutely worth it, and the agents are very aware of the issue so they can resolve it quickly once you get through. This community has been amazing for sharing experiences and reducing the anxiety around these government mix-ups!
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StarStrider
•Thank you so much for sharing your experience Lia! It's incredibly helpful to hear that you only had a 35 minute wait time by calling early in the morning - that's definitely going to influence when I make my call. I'm in the exact same boat as everyone else here (got my LTR 2645 C last week but already received my refund in March) and have been putting off calling because I was dreading hours on hold. It's encouraging to hear that the IRS is supposedly working on fixes for this system synchronization issue, even if they can't give specific timelines. Hopefully they actually follow through because this kind of widespread error really undermines confidence in their processes. I'm planning to call first thing tomorrow morning based on your success with the early timing. This whole thread has been such a lifesaver for understanding what's really happening and knowing that so many others are dealing with the same thing. Really appreciate everyone taking the time to share their experiences and outcomes!
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Sofia Morales
I'm going through this exact same situation right now and this entire thread has been such a huge relief! Got my LTR 2645 C letter three days ago and immediately went into full panic mode, especially since we already received our refund back in February ($2,892). I spent hours researching online and found mostly scary articles about IRS audits and penalties, so discovering this community discussion with so many people in the identical situation has been incredibly reassuring. It's clear this is a massive system coordination failure on the IRS's part rather than anything we taxpayers did wrong. Based on all the positive experiences shared here, I'm going to call the IRS tomorrow morning using the number on the letter. The fact that multiple tax professionals have confirmed this as a widespread glitch, plus all the successful call outcomes people have reported, gives me confidence that I'll get the same confirmation that it was sent in error. It's honestly infuriating that the IRS can't get their basic systems to communicate with each other - how do you successfully process and send out refunds but then still have a separate system sending out review letters weeks later? The amount of unnecessary stress this is causing thousands of taxpayers is completely unacceptable. Thanks to everyone who took the time to share their experiences and outcomes. This community has been more helpful than any official IRS resource I could find!
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Fatima Al-Qasimi
•I completely understand the panic you felt when you got that letter! I'm actually going through the exact same thing right now - got my LTR 2645 C letter yesterday and have been stressed about it even though I already received my refund last month ($2,156). Reading through everyone's experiences in this thread has been such a game-changer for my anxiety levels. It's incredible how many people are dealing with this identical situation - really shows how widespread this IRS system failure is. I was also finding mostly scary articles online before stumbling across this discussion. I'm planning to call tomorrow morning too, based on all the successful outcomes people have shared here. It's so frustrating that we have to spend our time cleaning up their system errors, but at least now I know what to expect when I finally get through to an agent. Thanks for adding your experience to this thread - it really helps to know there are so many of us dealing with this same ridiculous situation. Hopefully we'll both get quick confirmation tomorrow that these letters were sent in error!
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Yuki Kobayashi
I'm dealing with this exact same issue right now! Got my LTR 2645 C letter yesterday and had a complete meltdown thinking the IRS was coming after me, even though I already received my refund weeks ago ($1,623). This entire thread has been such a lifesaver - I had no idea this was happening to so many people! Reading all the experiences from tax professionals and other community members has completely changed my perspective from "oh no I'm in trouble" to "wow the IRS really messed up their systems this year." It's honestly ridiculous that their refund processing system and notification system aren't talking to each other properly. How do you successfully review, approve, and send out someone's refund but then weeks later send a letter saying the return needs additional review? The level of government incompetence here is staggering. I'm definitely going to call tomorrow morning based on all the successful outcomes people have shared. At least now I know what to expect and that the agents are familiar with this widespread glitch. Thanks everyone for sharing your experiences - this community support has been way more helpful than anything on the official IRS website!
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Scarlett Forster
•I'm so glad you found this thread too! I was literally in tears when I first got my LTR 2645 C letter last week - that official IRS envelope just hits different, you know? Even though I knew I'd filed correctly and already got my refund, seeing that letter made me think I was about to lose everything. This community has been absolutely incredible for breaking down what's actually happening. It's mind-blowing that so many of us are dealing with the exact same situation - really shows this isn't about individual tax problems but a massive system failure on their end. You're so right about the government incompetence angle. Like, how do you have a computer system advanced enough to process millions of returns and calculate refunds, but then can't coordinate between departments to prevent sending contradictory letters? It's 2025 - basic system integration shouldn't be this hard! I called this morning actually and got through in about 50 minutes. The agent confirmed it was sent in error and made a note on my account. She said they're getting tons of calls about this exact issue daily. Definitely worth calling for the peace of mind - you'll get the same confirmation as everyone else here!
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Carmen Lopez
I'm going through the exact same nightmare right now! Just received my LTR 2645 C letter two days ago and immediately thought the worst, even though we already got our refund back in March ($3,127). Reading through all these experiences has been such a huge relief - I had no idea this was such a widespread issue! It's absolutely mind-boggling that the IRS can successfully process returns, approve refunds, and send out the money, but then their notification system is still stuck in some kind of time warp sending out review letters weeks later. The amount of unnecessary panic this system glitch is causing is just unacceptable. I've been losing sleep over this for the past two nights thinking we did something wrong or that they were going to demand the refund back. Based on all the successful call experiences shared here, I'm going to try calling first thing tomorrow morning. It's frustrating that we have to waste time fixing their system errors, but at least now I know what to expect and that the agents are aware of this widespread issue. Thank you so much to everyone who shared their experiences - this community has been more helpful than hours of googling official IRS resources. It's amazing how much better you feel when you realize you're not alone in dealing with government incompetence!
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Madison Allen
•I'm so sorry you're going through this stress too! I just got my LTR 2645 C letter yesterday and had the exact same reaction - complete panic even though I already received my refund last month. It's such a relief to find this thread and realize we're all dealing with the same IRS system failure. I've been reading through everyone's experiences here and it's honestly shocking how widespread this issue is. The fact that their computers can process millions of returns and send out refunds correctly, but then can't coordinate with their own notification system is just embarrassing for a government agency in 2025. I'm planning to call tomorrow morning too based on all the successful outcomes people have shared. It sounds like the agents are very familiar with this problem and can resolve it quickly once you actually get through. The early morning calls seem to have shorter wait times based on what others have reported. Stay strong - from everything I've read here, we'll both get confirmation that these letters were sent in error and there's nothing to worry about. This community has been such a lifesaver for understanding what's really going on!
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Miguel Diaz
I'm currently dealing with this exact same situation and finding this thread has been such a huge relief! Just received my LTR 2645 C letter yesterday and went into complete panic mode, especially since we already received our refund back in February ($2,341). It's incredible how many people are experiencing this identical issue - really demonstrates that this is a massive system coordination failure on the IRS's part rather than individual taxpayer problems. The fact that their refund processing system can successfully review, approve, and distribute refunds, but then their notification system sends out contradictory letters weeks later is just mind-boggling. Based on all the positive call experiences shared here by both taxpayers and tax professionals, I'm planning to call first thing tomorrow morning using the number on the letter. It's frustrating that we have to spend our time cleaning up their system errors, but at least now I know what to expect and that the agents are familiar with this widespread glitch. Thank you to everyone who took the time to share their experiences and outcomes - this community discussion has been more helpful than anything I could find on official IRS resources. It's amazing how much anxiety is reduced when you realize you're not alone in dealing with government system failures!
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StarStrider
•I'm so glad you found this thread helpful Miguel! I'm actually brand new to this community but stumbled across this discussion while frantically googling about my own LTR 2645 C letter situation. It's honestly been such a relief to see so many people dealing with the exact same thing. I received my letter three days ago and have been absolutely stressed about it, even though I already got my refund back in March ($1,789). Before finding this thread, I was convinced I had somehow messed up my taxes or that the IRS was going to demand their money back. The fact that tax professionals and so many community members have confirmed this as a widespread system glitch is incredibly reassuring. It really shows how helpful online communities can be when government agencies can't get their act together with basic communication! I'm planning to call tomorrow morning too based on everyone's successful experiences. Thanks for adding your story to this thread - it helps newcomers like me realize we're definitely not alone in dealing with this IRS system mess!
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Mateo Silva
I'm going through this exact same situation right now! Just received my LTR 2645 C letter yesterday and had that immediate heart-dropping panic moment, especially since I already received my refund over a month ago ($2,145). Reading through all these experiences has been incredibly reassuring - it's clear this is a massive system coordination failure on the IRS's end rather than anything we taxpayers did wrong. The fact that their computers can successfully process returns, approve refunds, and send out payments, but then their notification system is completely out of sync sending letters weeks later is just mind-boggling for a government agency in 2025. Based on all the successful call outcomes shared here, I'm definitely going to try calling first thing tomorrow morning using the direct number on the letter. It's frustrating that we have to waste time fixing their system glitches, but at least now I know what to expect and that the agents are very familiar with this widespread issue. Thank you so much to everyone who shared their experiences and outcomes - this community has been way more helpful than anything I could find on official IRS websites or resources. It's amazing how much anxiety gets reduced when you realize you're not alone in dealing with government incompetence!
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