My client received a letter saying that they were issued the 2021 EIP. However, they did not receive the payment. They believe it is because they have changed banks since the last time they received a federal tax refund. I have had other clients that say they did not get the EIP and then it turns out that they did. However, this person is very creditable and I believe them.

Should I file the return showing that they did not receive EIP 3 and wait for the fallout? Do I have any other options?