


Ask the community...
Have you tried contacting your state's insurance commissioner? When my insurance company was refusing to provide documentation I needed for the IRS, I filed a complaint with the insurance commissioner and suddenly they were much more helpful. Worth a shot if everything else fails!
That's a really good idea I hadn't thought of! Do you know how long the process typically takes when you file a complaint with the insurance commissioner? I'm a bit worried about the timeframe since the IRS only gave me 30 days to respond with the documentation.
In my case, I got a response within about a week after filing the complaint. The insurance commissioner's office contacted the insurance company directly, and suddenly they were able to "find" the documentation they claimed didn't exist. You should mention the 30-day IRS deadline in your complaint - the commissioner's office can often expedite cases that have external deadlines. They can't force the company to create a form that doesn't exist, but they can pressure them to provide acceptable alternative documentation that satisfies the IRS requirements. The state regulators have significant leverage over insurance companies, which is why you'll often see faster results when they get involved.
Has anyone successfully submitted alternative documentation instead of the 1095-B to the IRS? I'm in a similar situation but worried they'll reject anything that's not the official form.
Yes! I had to submit alternative documentation instead of a 1095-B last year. I sent in my insurance cards, payment receipts, and a letter explaining why I couldn't get the official form. The key was including Form 8275 (Disclosure Statement) where I explained the situation in detail. The IRS accepted everything without any follow-up questions.
You mentioned he's behind on child support. Be aware that in many states, unemployment benefits can be garnished for back child support! That might be a factor in why he's applying for the dependency allowance - to try to get more benefits since some will be redirected to his support obligations.
This is exactly what happened with my ex. He tried to claim our kid on his unemployment to get the higher benefit amount, knowing a portion would be garnished for the back support he owed. Kind of sneaky but at least some money was coming to support the child.
I haven't seen anyone mention this yet, but you should check your custody agreement if you have one. Some agreements specifically address who can claim the child for tax purposes. If yours does, and it says you have the right to claim the child, you can remind your ex of this legal obligation. If he violates the agreement, your family court could hold him in contempt.
I file taxes for my family members and have used almost every tax program out there. Honestly, your return will be fine. The differences between tax software mostly come down to user interface and how they walk you through questions. The final calculations should be virtually identical since they're all using the same tax tables and formulas. The only potential issue might be if you had some unusual situation that one program handles better than others. For example, TurboTax is sometimes better with self-employment or complex investments, while H&R Block might be better for certain credits. But for basic W-2 income and standard deductions, there's no meaningful difference in the final result.
Thank you for this reassurance! Do you think I should download my previous returns from H&R Block for my records? And if I want to go back to H&R Block next year, will it be a problem to import this year's TurboTax return?
Yes, definitely download all your previous returns from H&R Block as PDFs and save them somewhere secure. It's always good practice to have your own copies of all tax documents regardless of which service you used. Going back to H&R Block next year shouldn't be a problem. Most tax software can import PDF returns from other providers, though the process isn't always perfect. You might need to verify some information. But H&R Block should be able to import the basic data from this year's TurboTax return. Worst case scenario, you'd need to enter some information manually, but your account and previous years' data should still be in their system.
i messed up worse than you lol. i used 3 different tax programs this year before finally filing - started with credit karma, then h&r block, finally turbotax. was trying to see which one would give me the biggest refund. turns out they were all within $20 of each other for my situation. wasted like $150 buying them all when i could have just stuck with the first one. the irs doesnt care which program you use!
Next time try FreeTaxUSA. It's way cheaper than TurboTax or H&R Block and works just as well for most people. I switched 2 years ago and saved like $70.
One thing nobody has mentioned yet - once you've filed the identity theft affidavit with the IRS, you should also request an Identity Protection PIN (IP PIN). This is a 6-digit number assigned to identity theft victims that you'll use when filing your taxes. It prevents anyone else from filing a fraudulent return using your SSN. You can request an IP PIN online through the IRS website or when you talk to an agent. I've been using one for 3 years since my identity was stolen, and it gives me peace of mind that no one else can file under my number.
Thanks for this advice! I've never heard of an IP PIN before. Does having this PIN slow down my refund processing at all? And do I need to get a new one every year or is it a one-time thing?
The IP PIN doesn't slow down your refund processing at all - it actually helps prevent delays because it verifies upfront that you are the legitimate filer. The IRS knows immediately that your return is the valid one. Yes, you do need a new IP PIN each year. The IRS issues new ones every January, and they'll mail it to you automatically once you're in the program. You can also retrieve it online through the IRS website. It's a small hassle to keep track of a new number each year, but definitely worth it for the protection it provides.
Make sure you get a copy of your wage and income transcript from the IRS too! This will show you exactly what income has been reported under your SSN and who reported it. When this happened to me, I found that someone had been working at a warehouse in another state using my number. The transcript showed the company name which I was able to give to the investigators.
This is really good advice. How do you get the wage and income transcript? Can you do it online or do you have to mail a request?
CyberSamurai
Quick tip: If you sold any crypto or stocks, always make sure the cost basis is reported on your 1099-B. I got burned on this with Robinhood a couple years ago. They reported all my sales to the IRS but didn't include what I originally paid, so the IRS assumed it was all profit. Had to manually document every single purchase price. What a nightmare.
0 coins
Zoe Alexopoulos
ā¢Does anybody know which brokerages are good about reporting cost basis correctly? I'm with Fidelity now but thinking about switching.
0 coins
CyberSamurai
ā¢In my experience, Fidelity is actually one of the better ones for correctly reporting cost basis to the IRS. Vanguard and Charles Schwab also tend to be reliable with their reporting. The issues I've seen most often come from newer trading platforms and especially crypto exchanges, which sometimes have incomplete reporting systems. TD Ameritrade (now part of Schwab) has been solid in my experience too. The key thing to look for is whether your year-end tax documents clearly show both proceeds and cost basis for each transaction. If you see "cost basis not reported to the IRS" footnotes on your 1099-B, that's a red flag that you might face the exact situation the original poster is dealing with.
0 coins
Jamal Carter
Going through this EXACT thing right now. My notice said $15k from stock sales. Called the IRS and they said my brokerage (Webull) didn't report my cost basis, so they assumed I made 100% profit on everything I sold! Had to go back through all my statements to show what I actually paid. Make sure you're checking box 1e on the 1099-B from your brokerage - if it says "cost basis not reported to IRS" you're gonna have problems later.
0 coins
Mei Liu
ā¢This happened to me too. How long did it take to resolve once you sent in your documentation?
0 coins