@Yelloweggbasket - let me suggest one other last plausible scenario -
the refund 'haircut' is quite an odd number. that occurs with AGIs between $150,000 and $160,000
let's say this occured:
1) your 2020 AGI (or 2019) was $155,465. The IRS used that to calculate the 3rd stimulus as a $1530.20 payment. The check was lost in the mail and never cashed.
2) your 2021 AGI was less than $150,000 so you were eligible for the entire $2800. But the IRS thinks it already sent you the $1530.20! The transcript will prove that theory out!
