VALID › Notice Library › CP165 Notice
In the IRS’s own words · not reviewed by VALID
CP165 notice explained, in the IRS’s own words
We sent you this notice because your bank didn't honor your payment. A dishonored check or bad check is a payment that couldn’t clear your bank account because you don’t have enough money to cover the payment. As a result, we charged you a bad check penalty.
Read the full CP165 page on irs.gov ↗
What this notice is about
We sent you this notice because your bank didn't honor your payment. A dishonored check or bad check is a payment that couldn’t clear your bank account because you don’t have enough money to cover the payment. As a result, we charged you a bad check penalty.
What you need to do
Read your notice carefully ― it explains your due date, amount due and payment options.
You may want to
Learn more about payment plans and how to apply online for a payment plan.
Frequently asked questions
What happens if I can't pay the full amount I owe now? (updated Nov. 18, 2025)
You may owe additional penalties and interest.
What should I do if I disagree with the notice? (updated Nov. 18, 2025)
You can follow the instructions provided in your notice or call us at the toll-free number provided on your notice. If you choose to call, have your paperwork (such as cancelled checks, amended return, etc.) and your employer ID number, tax year and form number ready when you call.
Am I charged interest on the money I owe? (updated Nov. 18, 2025)
Not if you pay the full amount you owe by the notice payment due date. However, interest adds up on the unpaid amount after the payment due date.
Will I receive a penalty if I can't pay the full amount?
Yes, you could receive a late payment penalty. You can call us at the number on your notice if you can't pay the full amount by your notice payment due date because of financial problems. We may be able to remove the penalty based on your situation.
What to do next
- Write down the date on the letter today.
- Look the number up on irs.gov yourself. Don’t trust a link or phone number from anyone else.
- If it says you owe money or proposes changes to your return, take it to a licensed CPA, EA or tax attorney before that date.
Not advice. Not a filing. Verify with a licensed professional. Rules change by year and facts.