In May last year, I was to get $5000 back for my income taxes. It was deposited into my account. The bank tells me today, that the money was deposited into my account by mistake nine months later? What should I do?
In many cases like this, if the funds went to the wrong account for any reason, the money wasn't yours to begin with. The real owner wants his money. In this case, all you can do is see that the bank gets the $5,000 back even if you spent it and now need to make monthly payments.
The answer would differ if you were expecting that return and it was supposed to be yours. The question then, would be why the bank and/or the IRS wanted the money returned. That may take an attorney who represents you, to work out if the money was due.
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In many cases like this, if the funds went to the wrong account for any reason, the money wasn't yours to begin with. The real owner wants his money. In this case, all you can do is see that the bank gets the $5,000 back even if you spent it and now need to make monthly payments.