I have a similar issue. The IRS took my 2024 federal refund. They said I owed them 11,000 for a repossession and said the bank wrote it off and I didn’t report it as income on my 2021 taxes but I knew nothing about it because the bank or nobody sent me anything about the car being sold or auctioned off so I didn’t know what it was. I called the bank yesterday for a 1099c form and told them the story about how they never sent me anything about the car and how the IRS took my money and they said they have nothing to do with what the IRS did. Well my question is once I get my 1099c form do I amend my 2021taxes or do I amend my 2024 taxes since the IRS took that federal? And will I get my 2024 federal return back?
