What To Do About A Lost COVID-19 Stimulus Payment

What To Do About A Lost COVID-19 Stimulus Payment

The material in this post is not guaranteed to help you rescue your stimulus payment from the bit bucket or thieves or whatever oblivion it may have fallen in to. The IRS sends these checks through normal mail not registered mail so we can expect a good number of them to disappear.

You can find a lot of information on the IRS website.

If you have any luck in getting your check, the please leave a comment.

BIG NEWS 8-11-2020 

Not sure if this is good news yet or not, but it is big news.

I have been checking the Get My Payment website regularly not expecting anything to have changed. Then today I was greeted with this:

If you log in and click that button this will be the next screen:

I entered my data and the page threw an error that it did not match their records.

I had entered my AGI for 2019 the first time, so I tried my AGI for 2018 and it worked.

This is the screen you get if you succeed in entering your bank info:

Notice on the first image that the screen says "any future payment," so this issue of the first payment is still not resolved. I need to make a call to follow up, as it has been six weeks since I faxed the 3911.

I am not looking forward to that call.

UPDATE 7-1-2020

I Faxed off my Form 3911. I do not know if LBC is operating right now or to what degree they are operational, but that is the method I would use if I had not faxed the doc. LBC will run you about $30, but ordinary postal mail would never make it to the destination. I used an Internet fax company to fax my form. I have used the same company for about ten years and it cost me $0.00 (hint) for the service and works like a charm every time. Do your own research to pick a free fax company. I have ZERO confidence that I will ever see any payout from the IRS. Pity...it would have been $2900 in my case.

Table Of Contents

    Using The IRS Get My Payment Tool 

    The following applies only if you already submitted a 2019 tax return. If you did not, then you can still use the non-filers tool.

    If you do not have a US bank account then you may be out of luck for direct deposit. The IRS can’t direct deposit money to a foreign account, according to an attorney at the FTC website.

    The IRS has done some work on the Get My Payment tool and will now accept the four digit Philippines postal code.

    Enter your Social Security #

    Enter your birth date

    The system will also accept the information of whomever you filed jointly with (I tried it and it works).

    When you enter your address it must be exactly as you entered it in your latest tax return.

    Then enter your postal code and press enter (and pray that it works).

    You may get the message that a check was already sent to your address in which case you will not be able to enter direct deposit information.

    Call The IRS EIP Hotline

    You can call the IRS Economic Impact Payment Hotline at 800-919-9835. 

    You will find that number on the official IRS website.

    The wait for a live person may be very long and you will most likely be directed to do one of the things listed below.

    If you do call the IRS please be very patient with them. The people at the IRS who are taking calls are not responsible for whatever hardships you may be having. The IRS has undergone simultaneous budget cuts and workload increases, so be understanding with anyone you talk to at the agency.

    Was Your Check Returned To The IRS?

    The IRS website Stimulus Payment Faq Page under "Payment Status: My payment was mailed weeks ago, but the Post Office was unable to deliver it. What should I do?" this note was added on May 28:
    If you have not received your payment within 14 days of the payment date, check Get My Payment periodically. If the IRS receives your payment back because the Post Office was unable to deliver it, we will update your payment status to “Need More Information,” at which point you will be able to enter your bank account information.If you don’t provide your bank account information, the IRS will hold your Economic Impact Payment until we receive your updated address. To update your address please see: Address changes

    Form 3911

    IRS added this note on June 9 regarding lost payments:
    Get My Payment shows that my Payment was issued but I never received it. How do I get a new one? (added June 9, 2020)
    If Get My Payment shows your Payment was issued but you have not received it and it has been more than 5 days since the scheduled deposit date (or more than 4 weeks since it was mailed by check (6 weeks if you have a forwarding address on file with the local post office; 9 weeks if you have a foreign address)), you should initiate a trace on your Payment by calling the IRS at 800-919-9835 or you may submit Form 3911.
    If you call, please be advised that you may experience long wait times or recorded assistance due to limited staffing. If you submit the form and you are Married Filing Joint, both spouses must sign the form.
    Note: If a direct deposit, check with your bank before initiating a trace to verify they did not receive the deposit. Do not request a Payment trace if you are trying to determine eligibility for the Payment or the amount of Payment you should have received. You must have been issued Notice 1444 or received a payment date from Get My Payment to perform a trace.
    Your claim for a missing Payment is processed one of two ways:
    • If the check wasn't cashed, you'll receive a replacement check once the original check is canceled.
    Note: If you find the original check and receive a replacement, you MUST return the original as soon as possible.
    • If the refund check was cashed, the Bureau of the Fiscal Service (BFS) will provide you with a claim package that includes a copy of the cashed check. Follow the instructions for completing the claim package. BFS will review your claim and the signature on the canceled check before determining whether they can issue you a replacement check.

    Note from the first paragraph that you should not initiate a trace until 9 weeks have passed (if you have a foreign address) from the date of payment shown in Get My Payment. The first checks were sent out on April 24, so no one should initiate a trace until June 26 at the very earliest.

    The process may take several months especially for expats.

    How To Fill Out The Form? 

    Form 3911 is supposed to for reporting a lost/stolen refund check, so it does not exactly fit the stimulus payment. The advice from the IRS is to fill it out the best you can.

    The following is my best guess at filling out Form 3911: 

    If you submit the form and you are Married Filing Jointly, both spouses must sign the form

    Write “EIP” on the top of the form and complete Sections I, II and III. 

    For "in reply to your inquiry on" you can enter the date you actually contacted the IRS or just the date you downloaded the form.

    For "about your Federal tax return for" you can enter "2020 EIP".

    For "We sent you the following refund(s)" enter the amount of the stimulus payment in the first space (if known).

    In the last line you can enter the date that the check or direct deposit was scheduled if you know it. The Get My Payment tool may show you this information or you may find out from alive person if you call the IRS.

    Mark whether it was a check or a direct deposit.

    "The U.S. Postal Service returned your check because they could not deliver it" - check it if you know for a fact that this happened, otherwise leave it blank.

    "Your check was not cashed within one year of the issue date as the law requires and it can no longer be cashed." does not apply.

    "If you did not receive the refund check, or if you received it and it was lost, stolen or destroyed, please complete Sections I, II and III." this is why you came here so check it and move to Section I.

    Section I 

    Fill out Section I with your information and that of your spouse if you filed joint.

    If you are like me and your address changed since you filed, then enter CURRENT ADDRESS here and the address you entered on your return will be entered as shown below.

    Make certain that you enter the address exactly as it is on the return.

    When completing Number 7 under Section I, check the box for “Individual” as the Type of return and enter “2020” as the tax period and leave the date filed blank. I would leave "Type of refund requested" blank.

    Section II

    For #8 I would check "I didn’t receive a refund," and then skip to #11 to enter bank information. #11 does not ask for a routing number, but I would enter one just the same along with the account number. 

    I would sign off Section III and skip Section IV as it does not apply to a check that I have never seen and for which the IRS can provide me no information.

    I intend to include a cover letter with the form explaining all of the details.

    Again, we are just taking a shot here. There is no guarantee that this will work, but it is the best option that some people may have at this point. I am going to try it. I intent to send the form through LBC to make sure that it gets to the IRS and fast. This will cost about $30.

    The form is to be mailed to the "Internal Revenue Service center where you would normally file a paper tax return." To get the precise answer for exactly where to mail your form you need to go to the IRS website and click the state you entered on your last return or click International. Next click the type of form you used last time around and that should take you to the proper mailing address. For an expat who filed a 1040 that address is:
    Department of the Treasury
    Internal Revenue Service
    Austin, TX 73301-0215
    On June 19 the IRS updated instructions for submitting Form 3911

    • You may now fax the completed form (855-203-7538 if you live in a foreign country).
    Even though you put your bank information on the form you may still receive any payment via Economic Impact Payment (EIP) Card (see below). 

    Economic Impact Payment (EIP) Cards

    The IRS website has added this note about debit cards to its EIP information page:
    Mailed Check Payments May Be Sent As Debit Cards. If the Get My Payment application says you’re receiving a check, your Payment may come as a debit card. Debit card Payments come in a plain envelope from “Money Network Cardholder Services."For more information, see Prepaid Debit Cards.
    This FAQ was added on June 4 in regard to EIP cards:
    A48. Individuals who have lost or destroyed their EIP Card may request a free replacement through MetaBank® Customer Service. The standard fee of $7.50 will be waived for the first reissuance of any EIP Card. Any initial reissuance fee charged to a customer from an earlier date will be reversed. Individuals do not need to know their card number to request a replacement. Individuals may request a replacement by phone at 800-240-8100 (option 2 from main menu).The Economic Impact Payment Card is sponsored by the Treasury Department’s Bureau of the Fiscal Service, managed by Money Network Financial, LLC and issued by Treasury’s financial agent, MetaBank®, N.A. If you receive an Economic Impact Payment Card, it will arrive in a plain envelope from “Money Network Cardholder Services.” The Visa name will appear on the front of the Card; the back of the Card has the name of the issuing bank, MetaBank®, N.A. Information included with the Card will explain that the card is your Economic Impact Payment Card. Please go to EIPcard.com for more information and additional FAQs. 
    If you call 800-240-8100,then after language selection you can select #1 for card activation or to speak with customer service. You will not be able to speak with customer service without a card number. 

    For a lost or stolen card you will select #2 after language selection. You will then be asked for the last six digits of your social security #. You will then be asked for your zip code. I do not know if this did not work for me because I do not have a card or if they are having the same problem with nonstandard postal codes that the IRS initially experienced.

    You can google the card or read about it here: https://www.kiplinger.com/slideshow/taxes/T054-S001-stimulus-check-payments-by-prepaid-debit-card/index.html

    The cards are provided by Meta Bank.

    There are fees for some services offered by the cards, but you can have all funds transferred to your bank account at no charge. 

    As an expat you may wish to have to have the card sent to your US mail forwarding address. If this is the case then you should have entered that as the first address on the Form 3911.

    It is possible that the mail forwarding company can scan the card and your pin, then you can register for an account on the EIP Card site and transfer the balance of the card to your bank account.

    Changing Your IRS Mailing Address

    See the IRS website for instructions.

    The Bottom Line 

    I hope that this page can help you to recover your lost payment. 

    The worst case is that someone stole and cashed your check or EIP card in which case you will need to follow the instructions for Form 3911 above and complete the claim package that the BFS will send you. Their graphologists are some of the best in the field and they will be able to determine if your handwriting matches the signature on the cashed check. Using this and other tools they will make a determination as to whether to grant you another check. I do not know how long the entire process takes, but I can see it ranging from six months to a year or even more. But eventually, if all goes well, you may get your payment.

    Is it worth it?


    My Hydroxychloroquine Challenge To The Internet

    My Hydroxychloroquine Challenge To The Internet

    I was given a course of the drug over a decade ago as a malarial prophylactic and the physician said not a word to me about the dramatic BS that is going around  now. I was just one of hundreds of millions of people in this world to have this non-event of an experience.

    Regarding treatment for COVID-19, In the negative studies I have read they are using chloroquine, which is more dangerous than hydroxychloroquine, or they are using hydroxychloroquine by itself and stating there is no benefit. You will see no benefit from hydroxychloroquine when it is used by itself. Hydroxychlroquine must be used with Azythromycin and zinc to get the successful results that doctors around the world have experienced. Those who want to push super expensive designer drugs are cherry picking studies that either use chloroquine or hydroxychloroquine by itself. 

    The addition of zinc is important to success:
    As a result of in vitro evidence suggesting zinc sulfate may be efficacious against COVID-19, our hospitals began using zinc sulfate as add-on therapy to hydroxychloroquine and azithromycin.
    After adjusting for the time at which zinc sulfate was added to our protocol, an increased frequency of being discharged home (OR 1.53, 95% CI 1.12-2.09) reduction in mortality or transfer to hospice remained significant (OR 0.449, 95% CI 0.271-0.744). Conclusion: This study provides the first in vivo evidence that zinc sulfate in combination with hydroxychloroquine may play a role in therapeutic management for COVID-19.
    Why the addition of zinc important to the success of hydroxychloroquine
    CQ and HCQ (CQ/HCQ) inhibit pH-dependent steps of SARS-CoV-2 replication by increasing pH in intracellular vesicles and interfere with virus particle delivery into host cells. Besides direct antiviral effects, CQ/HCQ specifically target extracellular zinc to intracellular lysosomes where it interferes with RNA-dependent RNA polymerase activity and coronavirus replication. As zinc deficiency frequently occurs in elderly patients and in those with cardiovascular disease, chronic pulmonary disease, or diabetes, we hypothesize that CQ/HCQ plus zinc supplementation may be more effective in reducing COVID-19 morbidity and mortality than CQ or HCQ in monotherapy. Therefore, CQ/HCQ in combination with zinc should be considered as additional study arm for COVID-19 clinical trials. 
    Simply put, the addition of zinc is critical to success: "Hydroxychloroquine, on the other hand, acts as an agent that transports the zinc into cells, increasing its efficacy..."

    The drugs must be administered in the right combination, at the appropriate dosage and to the appropriate patients to achieve positive outcomes. Hydroxychloroquine is not the answer in all cases, but it is a solution in many cases.

    View many more studies detailing the success and failures of these drugs. 

    The Rules of the challenge:

    Find an MSM article about an individual who was harmed by taking hydroxychloroquine.

    1. Must have occurred PRIOR to the COVID-19 event (as many of those reported since are media hoaxes).

    2. Must have caused death or life threatening injury.

    3. Must be the undisputed cause of such death or injury.

    4. Must be the result of taking the drug AS PRESCRIBED BY A LICENSED PHYSICIAN.

    5. Hydroxychloroquine means hydroxychloroquine not quinine and not chloroquine - both of which are more dangerous than hydroxychloroquine.

    Hydroxychloroquine has been taken by hundreds of millions of people around the world since the 1950s.
    Hydroxychloroquine was approved for medical use in the United States in 1955. It is on the World Health Organization's List of Essential Medicines, the safest and most effective medicines needed in a health system. In 2017, it was the 128th most commonly prescribed medication in the United States, with more than five million prescriptions. The speculative use of hydroxychloroquine for COVID‑19 threatens its availability for people with established indications.
    "The speculative use of hydroxychloroquine for COVID‑19 threatens its availability for people with established indications. "

    So what? Every drug that is being used to treat COVID-19 is being used speculatively. Its availability is threatened because Doctors around the world are spreading their anecdotal success through platforms like SERMO. The answer is to increase production of hydroxychloroquine and not to pretend that the only solution is to produce massively higher priced alternatives.

    Good luck finding many adverse cases in the history of hydroxychloroquine use. No doubt there have been a lot with this powerful yet effective drug, but the main stream news never cared to make an issue out of it. Maybe you can find a few bad outcomes for those who have used the drug for malaria or lupus (and remember that we are talking about hydroxychloroquine not quinine or chloroquine). If you find a few hundred what is that relative to the sea of hundreds of millions of people who have taken the drug? Every EFFECTIVE DRUG has adverse reactions even deaths under its belt.

    And as stated, cases must be the result of taking the drug as prescribed. You may recall the case of the man and woman in Arizona who took fish tank cleaner and this was blamed on Trump. It turns out that the husband died and the wife survived. The Free Beacon discovered that the wife is not a Trump supporter at all. She is a devoted Democrat. Things that make you go hmmmm.  The cops are also going hmmmm.



    That is in the UK with a population of 66 million. Oxford University produced the study and that 3,000 figure applies to just the 75+ population so the numbers would be higher when generalized to the wider population. Imagine the number of deaths in the USA from aspirin. Why is the media not all over this? Politics is why. Or rather the lack thereof.

    Heart disease and cancer are the #1 and #2 causes of death in the US. Do you know what #3 is?

    Medical professionals!

    That's right, according to a peer reviewed study published in the British Medical Journal negligence on the part of doctors and nurses is directly responsible  for the deaths of hundreds of thousands of people in the US each year. Why are the self proclaimed "heroes" in Congress not screaming about that? Because they are not politically motivated to do so.

    What does this exercise prove:

    The radical leftist MSM is a lie machine full of BULL. They are presstitutes for BIG PHARMA and BIG INC.

    Learn to see through political propaganda, people. I hope that if you take this up you can prove to yourself what BS the media is selling us on this drug.

    Look at the alternatives they are pushing. They are MORE dangerous and FAR MORE expensive. Do you think the news orgs are in some way connected to the manufacturers? If someone wants to get rich off of COVID-19 they will invest in and push the patented designer drugs (that are being touted in the news) not off-patent hydroxychloroquine.

    The "news" is nothing but infomercials disguised as objective journalism. There is nothing objective about any of it. 


    So many people these days have become so incapable of objectivity that they cannot see truth for truth. I state the truth as I see it and I challenge anyone to change my mind. Those who are incapable of objectivity might assume that I talk the way that I do because I am a Trump supporter. Let me explain this for them.

    Trump set his sites upon the Conservative base. Conservatism existed long before Trump. Trump speaks the words that Conservatives want to hear. Most of them are as lacking in objectivity as their counterparts on the left. I am a Conservative. My Conservative world view pre-existed the Trump era by several decades. I do not support President Trump and never have. I do not care about what Trump says, as a politician at his level will say absolutely anything. I think outside of the box and try to be objective. I see truth and hypocrisy on both sides. I am not in the middle. I am above the politics. Politicians on the two sides will say whatever the focus groups and think tanks determine that their respective bases need to hear. The higher up they are in the political game the bigger liars and phonies they are. At the top they are all globalists no matter what they say to their base. Mr. Trump is a globalist and this is a sad truth that his supporters will learn the hard way. Nevermind that...they never learn. They will support the next demagogue who tells them everything they have been brainwashed to want to hear. 

    There are truly decent people on both the right and the left sides, but these decent ones are all naive to various degrees. They cannot or will not see that those who control their parties are perverts and criminals.

    UPDATE 8-18-2020

    Democrat Governor of Minnesota who previously banned hydroxychloroquine decides to stop allowing his constituents to die for Democrat political games and has signed an EO allowing their doctors to use hydroxychloroquine:
    “We are pleased that Governor Walz lifted his March 27 Executive Order 20-23 restrictions on chloroquine and hydroxychloroquine. As the governor’s Executive Order 20-84 issued on August 12 states: 'The authorization for the Minnesota Board of Pharmacy to implement dispensing limitations related to these medicines is no longer necessary and can be rescinded. . . Paragraph 5 of Executive Order 20-23, which pertains to chloroquine and hydroxychloroquine, is rescinded.'

    UPDATE 6-6-2020


    The Lancet study that was being touted globally as a death knell  for hydroxychloroquine has been exposed as a deception! 

    Lancet has issued a complete retraction:
    After publication of our Lancet Article, several concerns were raised with respect to the veracity of the data and analyses conducted by Surgisphere Corporation and its founder and our co-author, Sapan Desai, in our publication. We launched an independent third party peer review of Surgisphere with the consent of Sapan Desai to evaluate the origination of the database elements, to confirm the completeness of the database, and to replicate the analyses presented in the paper.
    Our independent peer reviewers informed us that Surgisphere would not transfer the full dataset, client contracts, and the full ISO audit report to their servers for analysis as such transfer would violate client agreements and confidentiality requirements. As such, our reviewers were not able to conduct an independent and private peer review and therefore notified us of their withdrawal from the peer-review process.
    We always aspire to perform our research in accordance with the highest ethical and professional guidelines. We can never forget the responsibility we have as researchers to scrupulously ensure that we rely on data sources that adhere to our high standards. Based on this development, we can no longer vouch for the veracity of the primary data sources. Due to this unfortunate development, the authors request that the paper be retracted.
    We all entered this collaboration to contribute in good faith and at a time of great need during the COVID-19 pandemic. We deeply apologise to you, the editors, and the journal readership for any embarrassment or inconvenience that this may have caused. 
    What have I been saying for months about these unscrupulous scientists? The study was rigged. It was just a hit piece in cheap and effective hydroxychloroquine.

    And what was the motivation? Money. Hydroxychloroquine off patent and very cheap. Who stood to benefit from the specious study?
    In light of these studies, the World Health Organization decided to halt global trials of the drug hydroxychloroquine (HCQ) to treat COVID-19 in order to focus on novel drugs like Gilead's remdesivir. After the studies were retracted, the WHO trials were resumed.


    ICMR writes to WHO disagreeing with HCQ assessment, officials say international HCQ trial dosages four times higher than Indian trials:
    “Internationally in Solidarity trial COVID-19 patients are being administered with–800 mg x 2 loading doses 6 hours apart followed by 400 mg x 2 doses per day for 10 days. The total dosage given to a patient over 11 days is about 9600 mg which is four times higher than the dose we are giving to our patients,” informed the official.This indicates that in our treatment protocol, the efficacy of HCQ is good and patients are recovering quickly with less amount of dosage being administered,” said the official.
    The ICMR was too gracious to ask the question, but I will. Is the WHO and the VA purposefully overdosing patients with hydroxychloroquine in order to produce dangerous side effects to destroy the efficacy of this drug for use against COVID-19 and being protected by crooked politicians like Chuck Schumer. Is this all just a sham to prevent the world from using a cheap and effective off patent drug in favor of a mega expensive patented treatment? Are people getting paid by Big Pharma to sabotage the research? Or is the run-of-the-mill incompetence?

    India is not part of the China/WHO/Democrat Marxist block that unleashed this plague onto the world.

    UPDATE 5-27-2020 Hydroxychloroquine Breakthrough: India

    India to increase prophylactic use of hydroxychloroquine due to multiple studies showing its success:

    The Indian Council of Medical Research (ICMR), the country’s apex body in the field, has found that consuming the drug hydroxychloroquine reduces the chances of getting infected with Covid-19.As a result, ICMR released an advisory Friday to expand the usage of HCQ — an anti-malarial drug — as a preventive treatment against the novel coronavirus. The conclusion has been drawn on the basis of three studies conducted by the ICMR.
    There must not be any DEMOCRATS in India.