I opted out of the AdvCTC but my wife did not. We are MFJ and she received the 6419 form letter.

I wanted to double-check the value by looking at the direct deposits in my bank. When I totaled all of them up it was a few hundred dollars less than the IRS is reported we received. I went to their portal and verified all deposits on the site are identical to the ones we received.

My account had 0 payments hers had five from Aug to Dec. I believe she opted out of the July one as a one-time rather than opting out of the program completely. I'm missing out on money due to a deposit not being made. Which value should be used the received value and expect the IRS to do an audit or should I use the higher value and lose out on a few hundred?