After you file

@BigBoy65 - I am a little confused.  First you state you received nothing from the IRS and then you state you received a letter.... which is it? 

 

please re-post and be VERY specific and copy exactly what the IRS letter states.  In most cases, their letter is somewhat general and lists a number of reasons your tax return may have been adjusted.

 

1) how much was the EXACT amount of the refund adjustment.  

2) what is on Line 28 of Form 1040?

3) what is on Line 30 of Form 1040? 

 

That will give me a clue to what is really happening