2026 Tax Scams to be aware of
As tax season kicks off in 2026 (with filing starting around late January), scammers are ramping up their efforts to steal money, personal information, and identities. The IRS and agencies like the FTC continue to warn about persistent and evolving threats.
Below is a current list of the top IRS scams being circulated and what to watch out for.
1. IRS Impersonation Phone Scams (currently very common)
This is the hottest threat as filing season approaches. Scammers call (or leave voicemails) pretending to be IRS agents or fake “resolution” agencies like Tax Resolution Oversight Department or Tax Mediation and Resolution Agency.
They claim you owe back taxes, threaten immediate arrest, fines, or deportation, and pressure for quick payment via wire transfer, gift cards, crypto, or bank details. Some offer fake “liability reduction programs” and ask for a “red flag check” on your credit.
The FTC reported a major wave of these complaints in mid-January, with scammers exploiting confusion around new tax provisions (like those from the “One, Big, Beautiful Bill” passed in 2025).
Red flags & protection — Real IRS contact starts with mailed letters (never unsolicited calls demanding payment). Hang up immediately, verify any debt by calling the official IRS line (800-829-1040), and never share info or pay that way.
2. Phishing Emails & Smishing Texts
Fake messages “from the IRS” promise refunds, demand info to “process” payments, or warn of account issues. They include urgent links (leading to malware/data theft sites) or ask for SSN, bank details, or IP PINs.
Current twist — Some tie into new deductions/credits (e.g., no tax on tips/overtime/car loans), tricking people into clicking for “eligibility checks.”
IRS never initiates via email/text for personal info. Forward suspicious emails to phishing@irs.gov and report to FTC.
3. Bad / Misleading Social Media Tax Advice
Influencers and posts spread false tips like: lying on forms for huge refunds, claiming “secret” IRS-hidden credits, or using overstated withholdings/fake W-2s. This often leads to improper filings, penalties, or connects you to scammers who steal your data.
4. Fake Help Setting Up IRS Online Accounts
Third parties offer “free” assistance to create your free IRS Individual Online Account (for viewing transcripts, payments, etc.), but they steal login credentials to file fraudulent returns or access your info. Simple fix — Do it yourself at IRS.gov — normally no help needed. If you do need assistance, contact your CPA or tax preparer.
5. Fake Tax Resolution / Debt Settlement Schemes
Scammers promise to settle IRS debts for pennies on the dollar or get massive reductions, charging high upfront fees. They often impersonate legit services.Reality — Use official IRS programs only (e.g., Offer in Compromise via IRS.gov).
Additional Rising Threats in Early 2026
Fake Charities — Especially post-disaster or crisis-related, soliciting donations via fake sites/emails.
Identity Theft / Refund Fraud — Thieves file fake returns using stolen SSNs to steal refunds. Get an IP PIN from IRS.gov for extra protection (scammers even fake requests for it).
Mailing Scams — Fake envelopes from “delivery services” claiming unclaimed refunds, asking for bank photos/info.
Key Protection Steps for 2026 Filing Season:
Only respond to IRS communications via MAIL with official IRS logos and postage. Do not answer any phone calls or emails claiming to be the IRS. The IRS WILL NEVER EMAIL OR CALL YOU.
Use secure methods: Direct deposit for refunds, official IRS payment options only.
Enable two-factor authentication everywhere (including IRS account).
Report immediately: IRS phishing page, ftc.gov/complaint, or call 800-829-1040.
Stay informed: Check IRS.gov/newsroom and consumer.ftc.gov for real-time alerts.
Scams evolve fast, but the core rule holds: If it’s urgent, threatening, or demands unusual payment/info — it’s almost always a scam. The real IRS is patient and starts with paper mail.
