Through the wonders of modern technology, some of the advanced 2008 stimulus payments are being directly deposited into recipients' bank accounts.

But some are not, and are instead winding up in the bank accounts of complete strangers.

One taxpayer, who asked not to be identified, reported that he had discovered an unexpected deposit of $1,800 in his bank account. He said a review of his bank records revealed that it was a deposit from the IRS bearing another taxpayer's Social Security numbers.

Those taxpayers receiving misdirected IRS deposits must report the mistake to their bank. Similarly paper checks sent to incorrect recipients must be mailed back to the IRS and any money spent before the recipient is aware of the mistake must be repaid.