Financial Well-Being Blog
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February 03, 2025

IRS Scams: Protect Yourself this Tax Season

Fraud and Security

Scammers are constantly finding new ways to trick people into giving up their personal information or hard-earned money. One of the most common tactics they use is pretending to be the IRS. These scams can happen any time of the year—not just during tax season. Knowing what to look for can help you stay protected.

Common IRS Scams to Watch Out For

Phone Scams

Fraudsters call pretending to be IRS agents and demand immediate payment for fake tax debts. They often:

  • Use scare tactics, like threats of arrest or deportation.
  • Insist on unusual payment methods, like gift cards or wire transfers.
  • Alter caller ID to make it seem like they’re calling from the IRS.

If you receive a call like this—hang up! The IRS will never call demanding immediate payment.

Email & Text Scams

Cybercriminals send fake IRS emails or text messages that may:

  • Claim you’re owed a refund and ask you to click a link to claim it.
  • Say there’s an issue with your tax return that needs to be fixed.
  • Use official-looking IRS logos to appear legitimate.

Never click on links or open attachments from unexpected messages. The IRS does not initiate contact via email or text.

Fake Tax Refunds & Stimulus Payments

Scammers may promise quick refunds or economic impact payments if you provide personal information. They’ll often use:

  • Emails with urgent subject lines like “Claim Your Tax Refund Now.”
  • Phony government letters delivered to your mailbox.
  • Fake online applications that steal your identity.

Always verify tax-related payments directly with the IRS at IRS.gov.


How These Scams Can Impact You

Falling for an IRS scam can lead to identity theft, where criminals use your Social Security number to file fraudulent tax returns in your name. They may steal your refund, open credit accounts in your name, or even cause legal headaches.

How to Protect Yourself

  • Don’t engage with suspicious calls, emails, or texts—just delete or hang up.
  • Never share personal or financial information with unexpected contacts.
  • Verify directly by calling the IRS at 800-829-1040 if you’re unsure about a tax-related issue.
  • Report scams to the IRS and the Federal Trade Commission (FTC) at IRS Impersonation Scam Reporting or FTC.gov.

By staying informed and cautious, you can keep your personal information safe and avoid falling victim to IRS scams. If you ever have doubts, remember: when in doubt, check it out—directly with the IRS.

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About the Author
roxanne doss
Roxanne Doss

Fraud Investigations Manager

Roxanne Doss has a Certified Identity Theft Risk Management Specialist (CITRMS) credential that helps CommunityAmerica and our members combat the increasing problem of identity theft. In 2016, she earned her CFE credential from the Association of Certified Fraud Examiners (ACFE).