I don't think that's actually how this works - most times when you get a 1099, the issuer is also required to file a copy with the IRS. As such - no bank account scanning required.
That's what I thought, my SSN is on the 1099, so it should be trivial for the IRS to match them up. That's why I was surprised when he said that they only caught it during an audit.
I suspect the term "audit" is being used loosely here. One man's audit is another man's reconciliation - did they just send you a notice of deficiency?
Yup, dumb mistake on my part, so I track it better now. The point is, do I really have to do all this work tracking everything to guess which card they are hiding behind their backs. It's kinda dumb IMO.
They probably just sent you a letter asking you to pay it with a smidgen of interest and that was that, right? Probably hardly worth doing extra work to be super thorough unless it was a large amount.
