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@Tsnotty wrote:

Thank you for that!  I did have an extension in place, so I understood that I had through Oct 15th to file for a refund. Is that incorrect?


The extension request would have been for filing a 2019 Tax return up through October 15, 2020.  That does not apply to a prior year tax return, like 2016.  A 2016 tax return had to be filed on or before July 15, 2020 to be eligible for a 2016 tax refund.