Tax season can be stressful enough without the added worry of scammers trying to steal your money and personal information. Whether it’s a fake IRS call, an incredible refund offer that seems too good to be true, or a phishing email, fraudsters often use fear and urgency to trick individuals into acting quickly. At UNCLE Credit Union, we want to help you stay alert and outsmart these scammers.

Fake IRS Calls or Emails  

A scammer may pretend to be from the IRS, claiming that you owe back taxes and must pay immediately or face arrest or legal action.

Red Flags:

• The IRS never initiates contact through phone calls, emails, or texts; they always reach out by mail.
• Demands for immediate payment using gift cards, wire transfers, or cryptocurrency.
• Threats of arrest, deportation, lawsuits, or other consequences if you don't respond

What to Do:

Hang up! If you are unsure, visit www.irs.gov to check your tax status directly.

Phony Tax Refunds or “Special Programs"

Scammers may claim that you qualify for a substantial refund or tax relief program—if you provide them with your personal information.

Red Flags:  

• Unsolicited messages promising a larger refund than expected.
• Requests for your Social Security number or banking details.
• Pressure to act quickly before you “lose the opportunity.

What to Do:  

Only use trusted tax professionals and verify their credentials using the IRS Preparer Directory.

Identity Theft via Fake Tax Filings

In this scenario, a scammer steals your Social Security number and files a fraudulent tax return in your name, pocketing the refund.

Red Flags:

• The IRS rejects your e-file because a return has already been submitted.
• Receiving an IRS notice regarding a return you didn’t file.
• Unexpected tax refunds showing up in your account.

What to Do:

File your taxes early to prevent scammers from getting to you first. If you suspect fraud, contact the IRS Identity Theft Protection Unit immediately.

How to Protect Yourself

File Early: The sooner you file, the less time scammers have to act. 

Never Pay via Gift Cards or Wire Transfers: The IRS does not accept these forms of payment.

Shred Old Tax Documents: This protects your personal data.

Monitor Your Credit and Bank Accounts: Stay vigilant for any suspicious activity.

Conclusion

Scammers rely on fear and urgency to trick unsuspecting individuals—don’t let them rush you into making a poor decision. If something feels off, pause, verify, and report it. At UNCLE Credit Union, we are here to help. If you ever suspect fraud, contact us directly. Your security is our priority. Stay safe, stay informed, and let’s keep your money where it belongs—with you! Visit our fraud center to learn more about fraud and how to protect yourself!