Tax return sent to closed bank account

[Vellom]

My tax return from last year was sent to my bank account on November 16, 2022. The problem is that this bank account was closed in October because I had been negative for too long. I had an outstanding balance of about $100 which I was instructed to pay within a certain time frame. I see that when this happens, the bank is supposed to reject the refund, and send it back to the IRS. The IRS is then supposed to send a paper check to the address listed on your tax return within 10 weeks. It has been 20 weeks since the November deposit date. The reason I brought up the outstanding balance I had is because I’m thinking maybe my bank accepted the refund into the closed account to pay off that balance. But my refund was for $1713 and the balance I needed to pay wasn’t much more than $100. If they used the refund to pay that off,  would they keep the rest of the money too? I have no way of accessing this account obviously since it’s closed. When I try, the bank says it has no record of my email, phone number, or ssn. Is there anyway I could still get this money? 

[DoninGA]

If you had back taxes owed the IRS would have deducted that amount from your refund before they issued the refund for direct deposit.

Check your IRS tax account for any activity concerning this refund - https://www.irs.gov/payments/your-online-account

If the bank account was closed the bank would have returned the tax refund to the IRS.  You will need to contact the IRS concerning this issue.

Call the IRS: 1-800-829-1040 hours 7 AM - 7 PM local time Monday-Friday
When calling the IRS do NOT choose the first option re: "Refund", or it will send you to an automated phone line.
So after first choosing your language, then do NOT choose Option 1 (refund info). Choose option 2 for "personal income tax" instead.
Then press 1 for "form, tax history, or payment".
Then press 3 "for all other questions."
Then press 2 "for all other questions."
- When it asks you to enter your SSN or EIN to access your account information, don't enter anything.
- After it asks twice, you will get another menu.

Press 2 for personal or individual tax questions.
Then press 3 for all other inquiries
It should then transfer you to an agent.
Or you can contact your local IRS office. See this IRS website for local IRS offices - http://www.irs.gov/uac/Contact-Your-Local-IRS-Office-1 or call 1-844-545-5640 to set up an appointment
Or you may want to contact a Taxpayer Advocate in your area. See this IRS website for Taxpayer Advocate in your area and a toll free number - http://www.irs.gov/Advocate/Local-Taxpayer-Advocate