The IRS changed my refund. Why?
The IRS changes a refund when it finds what it believes is a mistake on the return, or when it applies the refund to a debt. A notice such as CP12, CP11 or CP49 explains the change. Compare it with your return. If you disagree, the notice explains how to contact the IRS by the date printed on it.
Common reasons
CP12 usually means the IRS corrected the return and the refund changed. CP11 means a correction left a balance due. CP13 means a correction left the account at zero. CP49 means some or all of a refund went to a tax debt.
What to check
Look at the lines the notice lists, such as credits or payments. If a credit form like Form 8962 was missing, the IRS may ask for it. If the change is right, there may be nothing to do. If it is wrong, follow the notice's instructions to disagree.
Related notices
- IRS Notice CP11: Changes to your return: you owe
- IRS Notice CP12: Changes to your return: refund changed
- IRS Notice CP13: Changes to your return: balance is zero
- IRS Notice CP49: Refund applied to a tax debt
- IRS Notice CP05: Your return is being reviewed
Related forms
- Form 1040-X: Amended U.S. Individual Income Tax Return
- Form 8962: Premium Tax Credit
- Form 3911: Taxpayer Statement Regarding Refund
Guides
Read the IRS page
IRS.gov: Understanding your IRS notice or letter (opens in a new tab). The IRS page and your own letter are the final word.
Frequently asked questions
Can I disagree with a changed refund?
Yes. The notice explains how to contact the IRS and by when, using the date printed on it. Keep copies of everything you send.
My refund went to another debt. What can I do?
A CP49 explains where the refund went. If the debt belongs only to your spouse, Form 8379 may apply. Read the IRS page for your notice.
Do I need to file an amended return?
Not usually for a math correction. Read your notice first. Form 1040-X is for changes you want to make yourself.
If you have an IRS letter
The OweRight iPhone app reads your letter and explains what it says in plain English. Join early access and we will let you know when it is available.
OweRight is not the IRS and does not give tax or legal advice.