Reference code 2015.
Savings bond request denied
Refund reduced by an offset
See how long people with this situation waited, from their transcripts.
Check my refundYour transcript is read in your browser.
What it means.
The IRS manual's wording:
Savings bond request denied - partial offset - more than 3 weeks from refund date
What to do.
Bonds were not issued because part of the refund paid a debt. The rest is paid by check or deposit.
Questions people ask
What does reference code 2015 mean?
Part or all of the refund went to a debt. The IRS manual's own wording is quoted on this page.
What should I do about code 2015?
Bonds were not issued because part of the refund paid a debt. The rest is paid by check or deposit.
Sources
Checked against these sources on October 30, 2026.