Don’t Take the Bait: How to Spot IRS and Tax Scams

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Tax season is busy enough without scammers making it worse. But every year, fraudsters ramp up their activity during filing season, impersonating the IRS, stealing refunds and tricking people into handing over sensitive information. Knowing what to look for can protect your money and your identity.


The IRS Contacts You by Mail First

This is the most important thing to know. The IRS will never call, text or email you out of the blue. If you receive an unexpected call from someone claiming to be from the IRS demanding immediate payment, hang up. If you get a suspicious text or email, don’t click any links.

Common Tax Scams to Watch For

Threatening Phone Calls

Scammers posing as IRS agents may threaten arrest, deportation or license suspension if you don’t pay immediately, often demanding gift cards or wire transfers. The real IRS will never threaten you or demand unusual forms of payment.

Phishing Emails and Fake Notices

Fraudsters send official-looking emails or letters claiming there’s a problem with your return. They’ll ask you to click a link or provide your Social Security number to “resolve the issue.” These messages are designed to create urgency and look legitimate, but they’re not.

Refund Fraud

Some scammers file a return in your name before you do, using your personal information to claim your refund. If you try to file and the IRS says a return has already been submitted under your Social Security number, your information may have been compromised.

How to Protect Yourself

  • File your return as early as possible to reduce the window for refund fraud.
  • Go directly to IRS.gov for filing resources, never through a link in an unsolicited message.
  • Never share your Social Security number, bank account information or passwords in response to an unexpected contact.
  • If you suspect fraud, report it at IdentityTheft.gov or call the IRS directly at 1-800-829-1040.

Scammers rely on urgency and fear to get a reaction. Slowing down for just a few seconds, and verifying before you act, can make all the difference.

If you have any questions or think you may be a victim of fraud, please contact us or visit your nearest F&M Bank office. We’re here to help.