How to Spot and Avoid a Tax Scam

Tax season is a common time for fraudsters to attempt to steal personal and financial information. Scammers often pose as the Internal Revenue Service (IRS), Social Security Administration (SSA), or tax professionals in an effort to pressure individuals into sharing sensitive details or sending money.

The most important thing to remember: legitimate government agencies will not contact you unexpectedly to demand payment or request personal information.

Phone Scams Impersonating Government Agencies

Fraudsters may call claiming to represent the IRS or SSA, sometimes using caller ID that appears legitimate. They may threaten arrest, suspension of benefits, or other consequences to create urgency and fear. Some scammers also use advanced technology to make calls sound more convincing.

Protect yourself:

• Do not provide personal or financial information over the phone if you did not initiate the call.

• Hang up immediately if you feel pressured or threatened.

• The IRS will send written notice by mail if you owe taxes and will never demand payment via gift cards, wire transfers, or prepaid cards.

If you need to verify a claim, contact the IRS directly at 800-829-1040 or the SSA at 800-772-1213.

Email and Text Message Phishing Scams

Scammers also send emails or text messages that appear to come from the IRS. These messages often include urgent subject lines and links to fake websites designed to capture your personal information.

Protect yourself:

• Do not click links or download attachments from unexpected messages.

• The IRS does not initiate contact by email, text, or social media.

• Report suspicious IRS-related emails to phishing@irs.gov.

Fraudulent Tax Preparers

Some scammers pose as tax preparers and promise large refunds. They may falsify information on your return, which can result in penalties or financial loss for you.

Protect yourself:

• Work only with qualified tax professionals who have a valid IRS Preparer Tax Identification Number (PTIN).

• Review your completed tax return carefully before signing.

• Ensure your refund is deposited into your account—not a third party’s account.

You can find credentialed preparers through the IRS directory at IRS.gov.

Identity Theft and Stolen Tax Refunds

If someone obtains your Social Security number, they may attempt to file a tax return in your name to claim your refund.

Protect yourself:

• File your taxes as early as possible.

• Monitor your Social Security earnings statement for accuracy.

• Consider enrolling in the IRS Identity Protection PIN (IP PIN) program for an added layer of security.

If you believe you are a victim of tax-related identity theft, contact the IRS immediately and notify your financial institutions.

SECU Is Here to Help Protect You

SECU is committed to helping members stay informed and protected. If you ever suspect fraud or notice suspicious activity on your account, please contact us immediately so we can assist you.

Staying informed and taking simple precautions can help you protect your identity and your finances during tax season and beyond.