Tax Season Scams

As tax season approaches, so do opportunities for fraudsters looking to take advantage of individuals and businesses. Each year, scammers become more sophisticated—using emails, texts, and even phone calls that appear legitimate. At Artisans’ Bank, we’re committed to helping you stay informed and protected.

 

 

Fraudsters may call, email, or text pretending to be the IRS, demanding immediate payment or threatening legal action. They often create urgency to pressure victims into acting quickly.

 

 

Scammers send emails that look like they’re from the IRS or tax preparation services, asking you to “verify” personal or financial information. These links often lead to fake websites designed to steal your data.

 

 

Messages claiming you’re owed a refund or additional payment can lure you into sharing sensitive details or clicking malicious links.

 

Not all tax preparers are legitimate. Some may file fraudulent returns on your behalf or inflate refunds to skim a portion for themselves.

 

Criminals may use stolen personal information to file a tax return in your name and claim your refund before you even submit your return.

 

⸻

 

THE TAX SCAM PLAYBOOK

Most tax scams follow a predictable script. Once you know it, you can spot it.

Scammers do not reinvent the wheel. They reuse the same tactics again and again.

Step 1: The Tax “Alert”

You receive a message that looks official:

•  
• “Your tax refund is ready”
• “You owe back taxes. Immediate action required”
• “We need to verify your information to process your return”

These messages may appear to come from the IRS or a tax service.

Step 2: The Urgency

Next comes pressure to act fast:

•  
• “Failure to respond may result in penalties”
• “Your refund will be delayed”
• “This must be resolved today”

This is designed to make you react without thinking.

Step 3: The Request

Now comes the real goal:

• Click a link and log in
• Provide personal or financial information
• Share a verification code
• Send a payment

At this point, the scam is in motion.

What Gives It Away?

Even the most convincing tax scam usually has cracks in the story:

• Unexpected messages about refunds or tax issues
• Requests for sensitive information through text, email, or phone
• Links that do not lead to official websites
• Messages that create panic or urgency

If something feels off, it is worth a second look.

• Verify before you trust: The IRS will never initiate contact via email, text, or social media requesting personal or financial information.
• Don’t click suspicious links: Always go directly to official websites instead of using links in unsolicited messages.
• Use strong security practices: Enable multi-factor authentication on financial accounts and regularly update passwords.
• Choose reputable tax preparers: Look for credentials and verified reviews before sharing your information.
• File early: Submitting your tax return early reduces the chance of someone filing fraudulently in your name.

• Real-time fraud alerts
• Secure digital banking platforms
• Education and resources to help you recognize scams