Money · Taxes for regular people
Spotting IRS scams
The IRS starts almost all contact by mail. It never demands payment by gift card, prepaid debit card or wire, never threatens arrest, never texts or emails without your permission, and never DMs you on social media. If you're unsure whether you really owe, sign in to your own IRS online account at IRS.gov and check your balance; don't use any number or link the contact gave you. Real payments go only to the "United States Treasury."
You'll need
- A photo ID, if you set up an IRS online account
- The suspicious message or the caller's number, to report it
What to know
- Lock down your tax identity. An Identity Protection PIN is a six-digit number, known only to you and the IRS, that stops someone else from filing a return with your SSN. You can request one in your online account even if you don't have to file. Under 18? You have to use an alternative enrollment option. Source: IRS4
Real IRS or scam?
| Contact | Real IRS? |
|---|---|
| A letter in the mail with a notice number you can look up | Usually real; verify the notice on IRS.gov |
| Call demanding payment now, by gift card, prepaid card or wire | Scam |
| Threat of arrest, deportation or losing your license | Scam |
| Text or email you never signed up for | Scam |
| Social media direct message from "the IRS" | Scam |
| Call saying you have a refund | Scam |
| Someone at your door with two forms of IRS ID (a pocket commission and an HSPD-12 card) | Can be real; you can ask for the IRS number to verify the card |
If they call
"I'll handle this through my IRS online account. Goodbye." Then write down the number, hang up and report it.
See it done
2022 · Checked October 3, 2026
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If it doesn't work
- Suspicious IRS call? Record the number, hang up, and report it to the Treasury Inspector General for Tax Administration (TIGTA) online or at 800-366-4484. Source: IRS2 You can also report it to the FTC with "IRS Telephone Scam" in the notes. Source: IRS1
- Fake IRS email? Don't reply, click or open attachments. Forward it as an attachment to [email protected] with the subject "IRS," then delete it. Source: IRS2
- Fake IRS text? Send the sender's number, the message, your number and the date, time and time zone to [email protected] with the subject "Text." You can also forward the text to 7726 (SPAM). Source: IRS2
- Already paid with a gift card? Contact the gift card company right away and keep the card and receipt. Source: FTC5 Gave out your SSN? See Recovering from identity theft.
Good to know
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Private debt collectors are real, with limits
The IRS can hand some tax debts to private collection agencies, but only after notifying you in writing. They won't ask for a gift card or prepaid card, and checks go to the U.S. Treasury, not the agency. Source: IRS1
Websites charging for an EIN
An employer identification number is free from the IRS. If a site charged you, dispute the charge with your bank or card company and report it to the FTC. Source: IRS2
Parents can get one for you too
Parents and legal guardians can request an IP PIN for dependents, and after you get one by mail you receive a new one each year. Source: IRS4 See Filing your taxes for free.
Take it with you
Printable cardDownload card (PDF)Sources
- Internal Revenue Service How to know it's really the IRS calling or knocking on your door
- Internal Revenue Service Report phishing and online scams
- Internal Revenue Service Your online account
- Internal Revenue Service Get an Identity Protection PIN
- Federal Trade Commission Avoiding and reporting gift card scams
Lesson M6.6 · Last checked October 2, 2026 against the sources listed.
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