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Protect Yourself from Tax Refund Fraud

by: Regan Godderz

Mar 13th, 2025

It’s tax season and scammers know many people look forward to a refund check. Fraud rises this time of year, and it’s important to stay vigilant against tax refund check fraud. Here are common scams to look out for:

 

Fake refund checks

Scammers will send you a fake refund check and then contact you to say there was a problem with the return amount. They will then ask you to “verify” your personal information or will say you need to send them excess funds back. Scammers may even send you a link to a fake IRS site, which will ask for personal information.

Remember, the IRS and your bank will rarely call, text, or email you. If you receive a message like this, be wary.

 

How to avoid this:

  • Use Direct Deposit: Direct deposit eliminates the need for a paper check at all, as your refund will automatically be deposited into your bank account.
  • Verify Website Addresses: Check that any official website you are visiting ends in .gov.
  • Beware of Phishing Scams: The IRS will never email, call or text you asking for personal information or to click a link. They will typically contact you the first time via mail through the U.S. Postal Service. To learn more ways about how the IRS will contact you, click here to visit the IRS website.

 

Scammers filing taxes in your name

This is when a scammer files taxes in your name in order to receive your tax refund. Fraudsters will obtain your personal information, such as your Social Security number, through data breaches, phishing scams, or other tactics. Then, they will use that information to file a tax return in your name. When you later file your legitimate tax return, the IRS will reject it because it’s already been submitted by the scammer.

 

How to avoid this:

  • Register for an Identity Protection PIN (IP PIN)Get an IP PIN through the IRS to prevent others from filing a return on your behalf. The IP PIN is a six-digit code that is known only to you and the IRS.
  • File Early: Submitting your tax return as soon as possible reduces the chance for scammers to file first.
  • Utilize Strong Security Measures: Always enable multi-factor authentication on your accounts and use strong, unique passwords.
  • Monitor Your Tax Records: Check your IRS account at www.irs.gov for any unauthorized activity.
  • Shred Sensitive Documents: Properly dispose of old tax returns and financial statements to prevent identity theft.

 

As always, Bank Midwest is your partner in preventing fraud and it’s our goal to keep you informed. If you suspect you’re a victim of tax fraud, visit the IRS website to report it immediately.

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