What Happens If Someone Else Cashed My Stimulus Check

Date:

Those Who Usually Dont File A Tax Return Need To Do So This Year

Am I being scammed out of my stimulus check payment?

Even if you had no income last year, or too little to file a return, you should file a basic 2020 tax return this year, the IRS says. That is the only way for the agency to get the information it needs to disburse a payment.

When you file that basic return, the IRS will send the check to the address provided on the form.

âPeople do not need a permanent address or a bank account. They donât need to have a job,â the IRS writes. âFor eligible individuals, the IRS will still issue the payment even if they havenât filed a tax return in years.â

The quickest way to receive a stimulus payment is via direct deposit. Still, that can be inaccessible for some Americans. Millions operate outside of the banking system in the U.S.

The IRS is encouraging those without a bank account to set one up for free at a local bank. To help, the FDIC has launched a campaign that highlights 75 banks and credit unions that are offering no- or low-cost accounts specifically for the unbanked. You can read more information about that and search for local accounts on the FDICâs website.

Find Out Where Your Stimulus Check Is

To find out whether or not your check has been issued, go to the GetMyPayment website. Click Get My Payment, fill out your social security number, date of birth, and address, and hit continue. Youll then receive the status of your payment. The IRS will make the payment to you via the direct deposit account youve set up or the last available address they have for you. If youve moved or you feel the department has a wrong address for you, its up to you to correct it.

How Can I Cash A Check That Is Not In My Name

Cashing a check for someone else at the bank

  • Ask the person who the check is from if their bank will allow you to sign a check over to someone else.
  • Check with the person who is depositing the check if their bank will accept a check that has been signed over.
  • If so, sign your name on the back of the check.
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    Still Waiting For Your $1400 Stimulus Payment Here’s How To Request An Irs Trace To Track It

    We’ll show you how to find your missing stimulus check from the IRS.

    Alison DeNisco Rayome

    Managing Editor

    Alison DeNisco Rayome is a managing editor at CNET, now covering home topics after writing about services and software. Alison was previously an editor at TechRepublic.

    Shelby Brown

    Staff Writer

    Shelby Brown is a writer for CNET’s services and software team. She covers tips and tricks for apps, operating systems and devices, as well as mobile gaming and Apple Arcade news. Shelby oversees Tech Tips coverage and curates the CNET Now daily newsletter. Before joining CNET, she covered app news for Download.com and served as a freelancer for Louisville.com.

    Is it time to start worrying about the missing stimulus check that you qualify for? The IRS has made more than 167 million payments since March — with a new batch of checking going out each week. If you think your $1,400 payment is lost or never sent — maybe you received a letter telling you the IRS sent your payment but you’ve not received it — you may need help trying to track it down. The same goes for the first and second payments from 2020.

    It’s possible there’s an issue with your check, or the IRS could have the wrong mailing address on file. Another reason why you may want to track down your payment is if you received less than the amount expected and you’re owed a “plus-up” payment. By the way, in that case, you do not need to file an amended tax form.

    Local Bank Or Credit Union

    Even if you dont have a bank account at the moment, you can still seek a local bank or credit union to cash your stimulus check. Government checks are considered safe, which means the banks wont have any issue cashing the stimulus checks for people who arent their customers. At the same time, you should be aware that they might take a fee from you if you use this method. It all depends on each bank or credit union.

    Before going to the bank or credit union, you should give them a call. Ask them whether any fee will apply for cashing stimulus checks as a non-customer. Usually, fees could be between $5 and $20. In order to be able to get your stimulus check, you also need to present two IDs with photographs. These could be your passport, military ID, drivers license, or anything of the sort.

    Also, FDIC, aka the Federal Deposit Insurance Corporation told financial institutions that they should help people who are struggling because of the pandemic. This can be done by making the restrictions less harsh, waiving fees, and allowing non-customers to cash their stimulus checks. As such, there are high chances that there is a credit union or a bank that will instantly help you cash your stimulus check, while not charging you any fee.

    Also Check: Is Everyone Getting A Third Stimulus Check

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    More Than 152 Million Stimulus Payments Have Been Made By The Irs And Some People Are Asking If They Can Cash Someone Elses Check Amid Coronavirus Pandemic

    The Internal Revenue Service has made over 150 million stimulus payments and there are some 20 million more to be made amid the coronavirus pandemic. The IRS is going to issue about 4 million debit cards to those who dont have bank information and have not received their payment.

    There have also been cases where family members passed away and their check has not been cashed yet so the question that many are asking is if they can cash someone elses check. The answer to that question is yes, but there are consequences to that.

    âA payment made to someone who died before receipt of the payment should be returned to the IRS , according to updated guidance posted on IRS.gov on 6 May.

    That was the dilemma facing an untold number of Americans who have received $1,200 stimulus payments, by paper check or direct deposit, in the names of deceased spouses and other family members. The Internal Revenue Service finally has an answer: Give the money back.

    Return the entire payment unless the payment was made to joint filers and one spouse had not died before receipt of the payment, in which case, you only need to return the portion of the payment made on account of the decedent. This amount will be $1,200 unless adjusted gross income exceeded $150,000, said the IRS.

    Can You Cash A Check For Someone Else At Money Services

    At Kroger, we dont accept any personal or third-party checks, so you wont be able to cash a check for someone else at your local Money Services, unless its a business check for someone else.

    The main types of checks we do accept are:

    • Income tax refund checks
    • Insurance settlement checks

    Situations where you can cash a check for someone else include if you are getting a payment from the IRS or a company. However, wed advise to always check with your local Money Services before endorsing the check to someone else.

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    What Is A Payment Trace

    The IRS allows taxpayers to initiate a request to locate a missing, stolen, or lost payment. Once you start the payment trace, the IRS will determine whether the check was cashed. If it has not, the IRS will cancel the payment and issue a replacement check. For payments sent via direct deposit, the IRS will contact the bank to attempt to recover the payments. Banks have up to 90 days from the initial payment trace to respond to the IRS request.

    Before initiating a payment trace, you will need to wait for the following timeframes to pass:

    • Five days since the expected deposit date
    • Four weeks since the check was mailed to your mailing address
    • Six weeks since the check was mailed to a forwarding address
    • Nine weeks since the check was mailed to a foreign address

    If you lost a check, you can immediately initiate a payment trace to request that the check be canceled and reissued.

    You can initiate a payment trace either by phone at 829-1954 or 919-9835 for stimulus payments, or by completing Form 3911, Taxpayer Statement Regarding Refund. If you are married and file a joint tax return with your spouse, the IRS will not allow you to initiate your request by phone you will both need to complete Form 3911.

    Tax Refund Frequently Asked Questions

    Third Stimulus Checks: When and How Will You Get $1,400?

    Direct Deposit is a safe, reliable, and convenient way to receive Federal payments. The Department of the Treasury’s Bureau of the Fiscal Service and the Internal Revenue Service both encourage direct deposit of IRS tax refunds. Direct Deposit combined with IRS e-file provides taxpayers with the fastest and safest way to receive refunds.

    This resource page of frequently asked questions about IRS tax refunds provides financial institutions with useful information for reference while assisting customers during the tax filing season.

    For other FAQs about Direct Deposit, .

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    What Kind Of Damage Can An Identity Thief Do

    It is, unfortunately, the case that identity thieves can steal quite a bit from you, including a stimulus check. In fact, thieves had no problem at all rerouting many of those stimulus checks and depriving their intended recipients of some much-needed money. They can do much more on top of this as well. For example, someone with the right documents can easily:

    • Fraudulently access online accounts

    When Should You Request An Irs Payment Trace

    Since the third stimulus checks are still being sent, you could hold out a little longer before taking action. If you didn’t get your first or second check at all, though, it’s time to do something. This chart shows when you can and should request an IRS payment trace, which is designed to hunt down a stimulus check the agency says it sent. More below on exactly how a payment trace works, how to get started and when to use it.

    Read Also: Didn’t Get Third Stimulus Check

    Someone Stole My Stimulus Check: What To Do If You Face This Nightmare

    The United States government sent out multiple stimulus checks over a period ranging between early to mid-2020 and early 2021, but if you say “someone stole my stimulus check“, you need answers as to what to do now. They did this to try to help spur economic growth during a period of time when many people did not feel like spending money. Lockdowns and quarantines had gripped the nation, and millions of people lost their jobs all at the same time. The stimulus checks were a major lifeline for those who saw no hope in their economic future. They were also a prime target for thieves, and that is why DoNotPay has created a special suite of services to help people who may have lost their identity as a result of someone stealing their stimulus check.

    Verify Your Identity With The Irs

    When the IRS deals with tax scams and suspicious tax return filings, they may send you a form to verify your identity. The IRS only sends these notices by mail. They will never call or email you to request that you verify your identity.

    Once you receive one of these notices, youâll need to call the number in the letter to verify your identity or use the IRS Identity Verification Service .

    Youâll need to provide your:

  • Full name, date of birth and contact information
  • Social Security number or ITIN
  • Previous tax returns along with other supporting documents
  • This is a good time to see the benefits of keeping tax records all year round in action.

    Recommended Reading: H& r Block Stimulus Tracker

    Why Are So Many People Missing Their Stimulus Checks And Child Tax Credits

    To receive stimulus funds, Americans were required to file a tax return, regardless of income level. In normal years, those earning under a certain threshold are not required to file. But to ensure proper distribution of funds, the IRS asked that everyone file a return. For those with no permanent address or bank account or who did not file taxes, funds may have been misdirected or not distributed at all.

    Throughout the pandemic, IRS and Treasury struggled to get COVID-relief payments into the hands of some peopleespecially those with lower incomes, limited internet access, or experiencing homelessness, the GAO report stated.

    Keeping Your Mailbox Safe:

    To avoid the case of theft your checks, you can keep your mailbox safe in the following ways:

    • You should sign up for Notifications of mail delivery from USPS.
    • To increase the security level, get a locked mailbox.
    • In addition, you can install a mailbox alarm in your mailbox.
    • You can also install a mailbox security camera.

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    What Is Stolen Identity Refund Fraud

    SIRF occurs when identity thieves use your stolen personally identifiable information to file an income tax return before you do.

    Tax scammers will often use fake income information and claim bogus benefits to get the biggest return possible. And while the thief receives your fraudulent tax refund check, the IRS flags your legitimate one as a duplicate.

    Unfortunately, this scam is easy for criminals to pull off. All they need to commit tax refund fraud is your name, birthday date, and Social Security number .

    But, how do these tax scammers get access to your personal information?

    How To Sign/endorse A Check Over To Someone Else

    How to Get Your $1,400 Stimulus Check

    You have a check payable to you, but you find yourself in a situation where you are unable to deposit the check, or you dont want to cash it yourself. Now what? Follow these steps on the process.

    One of your options is to sign the check over to someone else. Because the check is currently payable to you, youll need to ensure that the third party and their bank can accept a signed-over check, also known as a third-party check, and endorse the check by signing the back of it.

    The following steps detail the process of signing over a check to a third party:

    Recommended Reading: When Did 2021 Stimulus Checks Go Out

    Who Should Have Received Money

    There are several groups who should have received money as part of the COVID-19 economic stimulus response. This includes:

    • People receiving Social Security, Railroad, or other retirement benefits.
    • People receiving public benefits like SSDI, disability, or veterans benefits.
    • People who are not required to file a federal tax return, such as people who have no income or made less than $12,200 in the previous year.

    All of these groups should have received $1200, with those earning up to $75,000 receiving the full amount, and those earning between $75,000 and $99,000 getting slightly less. Families were also entitled to $500 per eligible child.

    With so many people being eligible for these funds, alleged scams and fraud cases have increased. If youve been accused of stealing another persons IRS stimulus check, then you need an experienced defense lawyer to help mitigate your risk should your case go to trial. Our legal team will be with you every step of the way and will help you come up with the best defense for your case.

    Why Did I Get More Than One Letter From The Irs About My Economic Impact Payments

    After each of the three Economic Impact Payments is issued, the IRS mails a letter called a notice to each recipients last known address. This notice provides information about the amount of the payment, how the payment was made and how to report any payment that wasnt received.

    Keep any IRS notices received related to the Economic Impact Payments with other tax records.The IRS is unable to issue a copy of the notice if it is lost or never received, even though the payment was received. Taxpayers who dont have their notices can view the amounts of the first and second Economic Impact Payments through their online account.

    Some people who received an EIP debit card and still had not activated their card were sent a letter earlier this year reminding them to activate their card or to request a replacement if they accidently threw it away. See the FAQ about this reminder letter.

    Recommended Reading: North Carolina Stimulus Check 2022

    What Is Check Fraud

    Check fraud is covered under U.S. Code §1344, under the federal crime of bank fraud. Bank fraud is if you knowingly execute, or attempt to execute, a false or fraudulent scheme intended to:

    • defraud a financial institution or
    • obtain money, funds, credits, assets, securities, or other property that is owned by, or under the custody or control of, a financial institution .

    There are serious consequences for committing check fraud. This can include a fine of up to $1,000,000, or you can be imprisoned for up to 30 years .2 If you have been charged with depositing a dead or fraudulent COVID-19 stimulus check, this may be one of the charges you are faced with.

    If you can show that the fraudulent activity was on the part of someone else, this may be a defence you can raise. In addition, if you can show that you never intended to defraud anyone, this is also evidence you can raise.

    Request A Refund Trace From The Irs

    If you think your refund check has been lost or stolen, the IRS can help track down your check or find the financial institution your direct deposit went to.

    If your filing status is:

    • : You canât use the automatic refund trace. Complete Form 3911 and mail it to the IRS like you would normally file a paper tax return.

    After the IRS does their sleuthing, theyâll process your missing refund according to how you requested your money.

    • If you opted for a paper check refund and it hasnât been cashed, the IRS will cancel the original check and issue you a replacement tax refund check. You should receive your replacement within six to eight weeks.
    • If your check has been cashed, the Bureau of the Fiscal Service will provide you with a claim package that includes a copy of the cashed check. Youâll need to follow the instructions to complete a claim package.

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