IRS CP32A Notice: How to Get Your Expired Refund Reissued
Summary:
The IRS CP32A notice tells taxpayers that their refund check expired before they could cash or deposit it. The notice instructs taxpayers to contact the IRS and request a new check. It also provides tips on avoiding this problem in the future by setting up direct deposit or updating your address with the IRS.
If you’ve received an IRS CP32A notice, it means your refund check has expired before being cashed. It’s important to act quickly to get your refund reissued. Often, checks may go uncashed if they are misplaced or not deposited within the one-year window. The IRS needs confirmation to issue a new check. By following the steps outlined in the notice, you can ensure your refund is sent again without delays. Taking prompt action will help you avoid any future complications.
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What is an IRS CP32A notice?
The IRS sends a CP32A notice when a taxpayer’s refund check expires without being cashed. Refund checks are valid for one year. After that, they expire. This notice lets taxpayers know they must contact the IRS to request a replacement check. The notice also outlines the steps you need to take to get a new check.
The IRS might issue this notice if the original check was returned due to an incorrect address or because the taxpayer didn’t cash it in time. To receive your replacement refund check, it’s essential to follow the instructions provided.
Why did you receive the IRS CP32A notice?
You received the IRS CP32A notice because your original refund check expired. Refund checks are valid for 12 months. If not cashed or deposited during that time, the check becomes void. The IRS won’t automatically send a new check; you must request it.
Some reasons for receiving the notice include:
- Expired refund check: You didn’t cash the check within a year, and the IRS requires you to request a replacement.
- Incorrect mailing address: If you moved and didn’t update the IRS, the check may have been returned.
- Lost or misplaced check: You may have lost the check, and it expired before you could deposit it.
Regardless of the reason, it’s important to act promptly and follow the steps outlined in the CP32A notice to get your refund reissued.
Pro Tip
Set up IRS account alerts online to get real-time notifications on any changes to your tax return or account. This helps you stay updated on adjustments and due dates.
What to do after receiving the IRS CP32A notice
Call the IRS to request a replacement check
The IRS typically instructs taxpayers to call 800-829-0922 to request a replacement check. When you call, be ready to verify your identity by providing your Social Security number, refund amount, and other tax return details. Having all the necessary information at hand will help avoid delays. The faster you contact the IRS, the sooner they can process the reissue of your refund check.
Destroy the original check
If you still have the expired check, you should destroy it. The check is no longer valid, and the IRS will not accept it. You need to request a replacement check to receive your refund. Keeping the expired check can cause confusion, so it’s best to dispose of it properly once you have started the process of getting a new one. Destroying the check also ensures you won’t accidentally try to deposit it, which could create problems with your bank.
Consider updating your address
If your refund check was returned due to an incorrect mailing address, you need to update your address with the IRS. File Form 8822, Change of Address, to make sure future correspondence and refunds go to the right place. This step helps you avoid missing any important IRS notices or refund checks in the future. By updating your address promptly, you can prevent unnecessary delays in receiving tax-related information.
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Pro Tip
Always double-check your mailing address on your tax return to avoid refund checks being sent to the wrong location. This simple step can prevent delays in receiving your refund.
How long does it take to receive a replacement refund check after getting an IRS CP32A notice?
After you contact the IRS to request a replacement refund check, you should receive it within 30 days. The CP32A notice provides this timeline, and the IRS usually follows it closely. To avoid further delays, it’s important to contact the IRS as soon as you receive the notice.
If you don’t receive your replacement check within 30 days, call the IRS using the same phone number provided in the notice to follow up.
Preventing future IRS CP32A notices
Receiving an IRS CP32A notice can be frustrating, but there are easy steps to avoid it in the future. One of the best ways to prevent expired or lost refund checks is by requesting direct deposit for your refund. Direct deposit is faster, safer, and eliminates the chance of checks being lost in the mail or expiring before they’re cashed. It ensures the IRS deposits your refund directly into your account.
Another important step is keeping your address up to date with the IRS. If you move after filing your last tax return, file Form 8822, Change of Address. This makes sure future correspondence and refund checks are sent to the correct address. Also, if you receive a paper check, make sure to cash or deposit it as soon as possible to avoid expiration. These simple steps help ensure your refunds are processed smoothly, without any complications.
Pro Tip
Consider requesting direct deposit for your refund to avoid the risk of checks expiring or getting lost in the mail. It’s faster, more secure, and ensures you receive your refund without hassle.
How to request a direct deposit refund
Enter your banking information on your tax return
When you file your taxes, you can provide your bank account and routing numbers in the “Refund” section. This allows the IRS to deposit your refund directly into your account. Direct deposit is much faster and more reliable than waiting for a paper check. It also reduces the chances of the check getting lost or expiring.
File Form 8888 for multiple deposits
If you want to split your refund between multiple accounts, like a savings and checking account, you will need to file Form 8888. This form allows you to allocate parts of your refund to different financial accounts, giving you more flexibility in managing your money. It’s a simple way to divide your refund as needed.
Verify your bank information
Always double-check your bank details, including your account and routing numbers, before submitting your tax return. Any errors in the information could cause delays or lead to a misdirected refund. By verifying your banking details, you ensure that your refund is deposited smoothly and without any issues.
Pro Tip
Keep a record of all IRS notices you receive. Tracking these documents ensures you follow up on any required actions and avoid missing deadlines.
What happens if you don’t respond to the IRS CP32A notice?
Failing to respond to the IRS CP32A notice means you won’t receive your replacement refund check. Your refund will remain unissued, and over time, this could lead to issues with your tax account. The IRS might apply the refund as a credit toward future taxes, which could complicate your finances. Acting quickly will help avoid these problems.
Ignoring the notice could also result in your refund being forfeited if not claimed within the set timeframe. It’s in your best interest to follow up as soon as possible to ensure you get your refund. Responding promptly prevents complications and helps you secure your refund.
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Frequently asked questions
What is the IRS CP32A notice?
The IRS CP32A notice is sent to inform taxpayers that their original refund check expired before being cashed or deposited. This notice explains that the taxpayer must contact the IRS to request a replacement check. The notice provides steps for requesting the new check and outlines how to avoid similar delays in the future.
How can a taxpayer avoid receiving an IRS CP32A notice?
To avoid receiving an IRS CP32A notice, taxpayers should request their refund through direct deposit. This method ensures that the refund goes directly into the bank account provided on the tax return, eliminating the risk of checks expiring. Keeping the IRS updated with a current mailing address can also help prevent future misdirected refund checks.
Can the IRS send the replacement refund check to a different address?
The IRS mails refund checks to the address on file, which is usually the address used on the taxpayer’s most recent tax return. To change the mailing address, taxpayers must submit Form 8822, Change of Address. A replacement check cannot be sent to a different address unless the IRS receives a formal address change request.
What should be done with an expired refund check?
If you still have an expired refund check, it should be destroyed. The expired check cannot be cashed or deposited, and you must request a replacement check by contacting the IRS. Following the steps outlined in the CP32A notice will guide you through this process.
What happens if no action is taken after receiving an IRS CP32A notice?
If no action is taken, the refund check will not be replaced, and the taxpayer won’t receive their refund. The IRS might apply the unclaimed funds as a credit toward future taxes. It’s important to respond promptly and request a replacement check to avoid complications.
Need help understanding other IRS letters and notices? Visit our comprehensive guide to IRS Letters and Notices or search for the document you received in the table below.
| CP01 | The IRS verified your claim of identity theft and will monitor your account. |
| CP01H | The IRS received a tax return with a social security number that belongs to a dead person. |
| CP02H | Money is due on an amended return based on a grant received due to Hurricane Katrina, Rita, or Wilma. |
| CP03C | You received the First-Time Homebuyer Credit for a house you purchased. |
| CP04 | You may be eligible for tax deferment because either you or a spouse served in a combat zone, a qualified contingency operation, or a hazardous duty station during the tax year specified on your notice. |
| CP08 | You may be entitled to additional money due to the Additional Child Tax Credit. |
| CP10 | Your tax return changed due to a miscalculation, and the refund you wanted to apply to an estimated tax payment has changed. |
| CP10A | Your tax return changed due to a miscalculation of the Earned Income Credit, and the refund you wanted to apply to an estimated tax payment has changed. |
| CP11 | You owe money because the IRS amended your return due to a miscalculation. |
| CP11A | Your tax return changed due to a miscalculation of the Earned Income Credit, and the refund you wanted to apply to an estimated tax payment also changed. |
| CP11M | Your tax return changed due to a miscalculation of the Making Work Pay and Government Retiree Credit, and the refund you wanted to apply to an estimated tax payment has changed. |
| CP12 | You are due a bigger refund because the IRS corrected one or more mistakes on your tax return. |
| CP12A | The IRS made changes to correct the Earned Income Credit (EIC) claimed on your tax return. |
| CP12E or CP12F | The IRS corrected a miscalculation on your return. |
| CP12M | The IRS made changes to the computation of the Making Work Pay and/or Government Retiree Credits on your return. |
| CP12R | The IRS made changes to the computation of the Rebate Recovery Credit on your return. |
| CP13 | The IRS made changes to your return due to a miscalculation. There is no refund or amount due. Your balance is zero. |
| CP13A | The IRS made changes to your return due to a miscalculation of the Earned Income Credit. There is no refund or amount due. Your balance is zero. |
| CP13M | The IRS made changes to your return due to a miscalculation of the Making Work Pay credit or the Government Retiree Credit. There is no refund or amount due. Your balance is zero. |
| CP13R | The IRS made changes to your return due to a miscalculation of the Recovery Rebate Credit. There is no refund or amount due. Your balance is zero. |
| CP14 | You owe money on unpaid taxes. |
| CP16 | The IRS made changes to your return due to a miscalculation. The refund you were due was applied to other tax debts. |
| CP21A | You owe money due to the changes you requested that the IRS make on your tax returns. |
| CP21B | You are due a refund due to the changes you requested that the IRS make on your tax returns. The money should arrive within 2 to 3 weeks. |
| CP21C | The IRS made the requested changes to your tax return. You will not receive a refund, and there is no tax due. Your balance is zero. |
| CP21E | As a result of your recent audit, the IRS made changes to your tax return, and you owe money as a result of those changes. |
| CP21I | The IRS made changes to your tax return relating to the Individual Retirement Arrangement (IRA) taxes. You owe money due to the changes. |
| CP22A | The IRS made the changes you requested, and you owe money as a result. |
| CP22E | As a result of your recent audit, the IRS changed your tax return, and you now owe money. |
| CP22I | The IRS made changes to your tax return relating to the Individual Retirement Arrangement (IRA) taxes. You owe money due to the changes. |
| CP23 | The IRS changed your return because there was a difference between the amount of estimated tax payments listed on your tax return and the amount actually posted to your account. You owe taxes due to these changes. |
| CP24 | The IRS changed your return because there was a difference between the amount of estimated tax payments listed on your tax return and the amount actually posted to your account. This resulted in an overpayment of estimated taxes. |
| CP24E | The IRS changed your return because there was a difference between the amount of estimated tax payments listed on your tax return and the amount actually posted to your account. This resulted in an overpayment of estimated taxes. |
| CP25 | The IRS changed your return because there was a difference between the amount of estimated tax payments listed on your tax return and the amount actually posted to your account. You are not due a refund, nor do you owe any money. Your balance is zero. |
| CP31 | You need to update your address because your refund check was returned to the IRS. |
| CP45 | The IRS was unable to apply your overpayment to your estimated tax as you requested. |
| CP49 | The IRS used all or part of your refund to pay a tax debt. |
| CP53 | Your refund check will be sent by mail because the IRS can’t provide your refund through direct deposit. |
| CP57 | The bank declined your payment, so the IRS was unable to draft funds from your bank account. |
| CP71 | A reminder of the amount you owe in tax, penalty, and interest. |
| CP71A | A reminder of the amount you owe in tax, penalty, and interest. |
| CP71C | A reminder of the amount you owe in tax, penalty, and interest. |
| CP71D | A reminder of the amount you owe in tax, penalty, and interest. |
| CP88 | The IRS is holding your refund because you haven't filed one or more tax returns, and it believes you will owe tax. |
| CP90 | The IRS is notifying you of its intent to levy certain assets for unpaid taxes. You have the right to dispute the levy in a Collection Due Process hearing. |
| CP91 | The IRS will levy up to 15% of your social security benefits for unpaid taxes. |
| CP120 | The IRS needs documentation of your tax-exempt status. |
| CP120A | Your organization’s tax-exempt status has been revoked because it failed to file a Form 990 series return for three consecutive years. |
| CP130 | You may no longer need to pay the Alternative Minimum Tax (AMT) because your tax return filing requirements changed. |
| CP152 | The IRS received your return. |
| CP153 | The IRS will send your refund by mail because your direct deposit did not go through. |
| CP161 | You have an unpaid balance due to the IRS. |
| CP166 | Your monthly payment to the IRS did not go through due to insufficient funds in your bank account. |
| CP178 | You may no longer owe excise tax because your tax return filing requirements changed. |
| CP231 | You need to update your address because your refund was returned to the IRS. |
| CP259 | You did not file the business tax return identified in the notice. |
| CP259A | You should have filed these forms but did not – Form 990/990-EZ, Return of Organization Exempt From Income Tax, or Form 990-N (e-Postcard). |
| CP259B | The IRS requires you to file these forms but did not – Form 990-PF, Return of Private Foundation or Section 4947(a)(1) Nonexempt Charitable Trust Treated as a Private Foundation. |
| CP259C | The IRS believes that you are a private foundation, but did not file the required Form 990-PF, Return of Private Foundation or Section 4947(a)(1) Nonexempt Charitable Trust Treated as a Private Foundation. |
| CP259D | You must file this form, but you did not – Form 990-T, Exempt Organization Business Income Tax Return. |
| CP259E | You should have filed this form, but you did not – Form 990-N (e-Postcard) or Form 990/990-EZ, Return of Organization Exempt From Income Tax. |
| CP259F | The IRS requires you to file this form but did not – Form 5227, Split-Interest Trust Information Return. |
| CP259G | The IRS requires you to file this form, but you didn’t – Form 1120-POL, U.S. Income Tax Return for Certain Political Organizations. |
| CP259H | As a tax-exempt political organization, you must file this form, but you did not – Form 990/990-EZ, Return of Organization Exempt From Income Tax. |
| CP276A | You submitted your tax liability schedule incorrectly. The IRS typically charges a Federal Tax Deposit (FTD) penalty for this but did not this time. |
| CP276B | The IRS did not receive the correct amount of tax deposits. It normally charges a Federal Tax Deposit (FTD) penalty but did not this time. |
| CP297 | The IRS is notifying you of its intent to levy certain assets for unpaid taxes. You have the right to dispute the levy at a Collection Due Process hearing. |
| CP297A | The IRS has levied your assets for unpaid taxes. You have the right to dispute the levy at a Collection Due Process hearing. |
| CP298 | The IRS notifying you of its intent to levy up to 15% of your social security benefits for unpaid taxes. |
| CP501 | You have a balance due on one of your tax accounts. |
| CP503 | You have an unpaid balance on one of your accounts, and the IRS has not heard from you. |
| CP504 | You have an unpaid amount due on your account. If you do not pay immediately, the IRS will levy your state income tax refund to apply it to the amount you owe. |
| CP504B | You have an unpaid amount due on your account. If you do not pay immediately, the IRS will levy certain property or rights to property to apply it to the amount you owe. |
| CP521 | A reminder that you have an installment agreement payment due. |
| CP523 | You have defaulted on your payment agreement. Therefore the IRS is terminating the agreement and will levy your assets. |
| CP601 | Usted tiene un saldo pendiente de pago (dinero que le debe al IRS) en una de sus cuentas contributivas. |
| CP603 | No hemos recibido respuesta de parte de usted y todavía tiene un saldo sin pagar en una de sus cuentas contributivas. |
| CP604 | Usted tiene un saldo sin pagar en su cuenta. De no pagar esta cantidad inmediatemente, el IRS embargará cualquier reembolso de impuestos estatales al que tenga derecho y aplicarlo al pago de su deuda. |
| CP604B | Usted tiene un saldo sin pagar en su cuenta. De no pagar esta cantidad inmediatemente, el IRS embargará ciertas propiedades o derechos de propiedad y lo aplicará al pago de su deuda. |
| CP621 | Este aviso es para notificarle que usted tiene un plan de pagos a plazos vencido. Por favor, envíe el pago inmediatamente. |
| CP623 | Este aviso es para informarle nuestra intención de cancelar su plan de pagos a plazos y confiscar (embargar) sus bienes. Usted incumplió en su acuerdo. |
| CP711 | Nosotros realizamos cambios a su planilla debido a que entendemos que hubo un cálculo erróneo. Como resultado de estos cambios, usted adeuda dinero por sus contribuciones. |
| CP721 | Hicimos el(los) cambio(s) que usted solicitó a su declaración de impuestos para el año tributario que aparece en su aviso. Como resultado de éste(estos) cambio(s) usted debe dinero en sus impuestos. |
| CP722 | Hicimos el(los) cambio(s) que usted solicitó a su declaración de impuestos para el año tributario que aparece en su aviso. Como resultado de éste(estos) cambio(s) usted debe dinero en sus impuestos. |
| CP771 | Usted recibió este aviso para recordarle sobre la cantidad que adeuda en contribuciones, multas e intereses. |
| CP772 | Usted recibió este aviso para recordarle sobre la cantidad que adeuda en contribuciones, multas e intereses. |
| CP773 | Usted recibió este aviso para recordarle sobre la cantidad que adeuda en contribuciones, multas e intereses. |
| CP774 | Usted recibió este aviso para recordarle sobre la cantidad que adeuda en contribuciones, multas e intereses. |
| CP959 | Usted no radicó su planilla de contribución de negocios identificada en este aviso. |
| CP2000 | The income or payment information on file doesn’t match your tax return. The discrepancy may result in an increase or decrease in your tax due. |
| CP3219A | The IRS has received information that is different from what you reported on your tax return. This may result in an increase or decrease in your tax. |
| CP3219N | The IRS didn’t receive your tax return, so it calculated your return based on the information received from employers, financial institutions, and others. If you want to challenge the proposed tax, you have 90 days from the date of this notice. If you are outside the country, you have 150 days. |
| Letter 0012C | The IRS needs additional information to process your tax return. |
| Letter 0484C | The IRS wants a completed |
| Letter 0525 | Updates you on proposed changes after an IRS examination. Any changes are explained and details the refund due or taxes owed. |
| Letter 531 | IRS Notice of Deficiency. The information the IRS received about you was different from what you reported on your return. |
| Letter 0668D(LP 68) | The IRS released their levy. |
| Letter 0549C | Your tax bill was paid. |
| Letter 0681C | The IRS accepted your payment proposal. However, this is not a formal Installment Agreement. |
| Letter 0757C | You did not adhere to the terms of your Installment Agreement. |
| Letter LT 11 | The IRS plans to seize your property or rights to property. |
| Letter 1058 | The IRS has not received your payment. It plans to seize your property or rights to property. |
| Letter 1615 (LT 18) | You must respond to the IRS within 10 days of this notice regarding past due tax returns. |
| Letter 1737 (LT 27) | Complete and sign Form 433F, Collection Information Statement. |
| Letter 1961C | Your application for a Direct Debit Installment Agreement was declined. It explains why and what you need to do to qualify. |
| Letter 1962C | Your application for a |
| Letter 2050 (LT 16) | The IRS is trying to collect unpaid taxes from you from returns that have been filed or from returns that have not been filed. |
| Letter 2257C | The IRS is providing the payoff amount that you requested. |
| Letter 226-J | An IRS letter to large employers notifying them that they may be liable for an Employer Shared Responsibility Payment (ESRP). |
| Letter 2271C | A request for an Installment Agreement has been approved. It explains the fees and how to qualify for a Low Income Fee Reduction. The letter may also request missing information. |
| Letter 2272C | An IRS letter explaining why your request to pay the balance due in installments was declined. |
| Letter 2273C | A confirmation letter of your request to pay the balance due in installments. It contained the amount to pay, fees charged, and where to send payment. Instructions on how to apply for the Low Income Fee Reduction included. |
| Letter 2318C | A response to a request to pay taxes due to payroll deductions. It also explains the fees that are charged. |
| Letter 2357C | The IRS is admitting that it did not send you the balance due notices that it should have. |
| Letter 2603C | The IRS accepted your installment agreement. The IRS will file a Notice of Federal Tax Lien on your personal property. |
| Letter 2604C | The IRS has accepted your request for installment payments. This IRS letter provides the monthly payment, the address where to send it, and the fees charged. The letter also provides instructions on how to apply for the Low Income Fee Reduction. |
| Letter 2761C | The IRS is requesting your combat zone service dates to ensure that it provides you with the special provisions and protection of the combat zone deferment. Copies of military orders or other documentation to support your time served may be requested. Civilians working in support of the Armed Forces may be required to provide a Letter of Authorization or a letter from their employer. |
| Letter 2789C | An annual reminder notice, as required by law, of the balance due to the IRS. It explains that penalties and interest continue to accrue until the balance is fully paid. |
| Letter 2840C | Confirms your Installment Agreement request and includes the payment amount and due date. This IRS letter explains the fees charged for paying monthly and explains how to apply for the Low Income Fee Reduction (if you qualify). |
| Letter 3030C | Provides an explanation of the tax, penalty, and interest still due on your account. |
| Letter 3127C | A confirmation of your request to make a change to your Installment Agreement. This IRS letter explains the fees for the change. Changes can be to the payment amount or due date, or it can include additional liabilities. |
| Letter 3174 | A reminder of taxes due after the IRS has sent a Notice of Intent to Levy. |
| Letter 3217C | The IRS has accepted your request to pay the balance in installments. This IRS letter provides your payment amount, the due date, and fees charged. The letter also provides instructions on applying for the Low Income Fee Reduction (if you qualify). |
| Letter 3228 (LT 39) | A request to pay the balance due within 10 days using the envelope provided. |
| Letter 3500 | The IRS has received your documents, and it needs additional time to review them. |
| Letter 3572 | Your Federal Income Tax Return has been selected for examination. The IRS auditor requests that you call to schedule an audit appointment. |
| Letter 4883C | The IRS received your federal income tax return but needs more information to verify your identity in order to process your tax return accurately. |
| Letter 4903 (LT 26) | You must file your tax returns immediately. The IRS has previously contacted you, but it did not receive a response. |
| Letter LP 47 | The IRS is trying to locate the person identified in the letter and is requesting that you provide their new address. |
| Letter LP 59 | The IRS has not received a response to the notice of levy it previously sent. |
| Audit Letter 2205 | The IRS manages audits either by mail or through an in-person interview to review your records. The interview may be at an IRS office (office audit) or the taxpayer’s home, place of business, or accountant’s office (field audit). |
| Letter 915 | You recently underwent an audit, and the IRS informs you that you now owe taxes. |
Key takeaways
- The IRS CP32A notice is sent when a taxpayer’s original refund check expires.
- To request a new check, call the IRS at 800-829-0922 and follow the instructions provided in the notice.
- Make sure to update your mailing address with the IRS to avoid issues with future refund checks.
- Opting for direct deposit can help prevent future complications with refund checks.
- Responding to the notice promptly will ensure you receive your refund without unnecessary delays.
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