Many people in the United States are being tricked by a new scam. This scam falsely promises a $1,400 stimulus check from the IRS. Scammers send fake text messages that look official, and they try to steal personal and banking information from innocent taxpayers. The Internal Revenue Service (IRS) and the Better Business Bureau (BBB) have both warned everyone to be extra careful.
The scam seems believable because the messages look very real. These messages often say that you need to click a link to claim your stimulus check. But the truth is, that link leads to a fake website that tries to collect your personal details or even install harmful software on your device.
This scam is especially dangerous right now because the IRS is actually sending out real $1,400 payments to some people who didn’t claim a specific tax credit in 2021. However, the real IRS will never ask you to click on a link through text or social media. The real payments are automatic—you don’t need to do anything to receive them. So, if you get a message asking you to take action, it’s a big red flag.
How the Fake $1,400 Payment Scam Works
Scammers are sending text messages to people saying they’re eligible for a $1,400 payment. These messages often include the IRS name or logo to make them look official. The message also includes a link that looks safe but actually takes the person to a fake website.
On this fake website, people are asked to enter personal information like their full name, Social Security number, bank details, or tax info. Once submitted, scammers can use this data for identity theft or to steal money. In some cases, clicking the link may even download malware to your phone or computer without you knowing.
These scams also lie by saying the payment will come within 1–2 business days. This false promise adds urgency and makes people act fast without thinking carefully.
The Real Way the IRS Sends Stimulus Payments
The IRS is currently giving out $1,400 payments to people who were supposed to get the Recovery Rebate Credit in 2021 but missed it. However, there is no need to apply or click any link. These payments are automatic if you qualify.
- No Action Needed: You don’t have to apply or respond to any messages.
- Payment Methods: The IRS sends the money either by direct deposit or through a paper check in the mail.
- Confirmation Letter: After the payment is sent, the IRS will mail a letter to confirm it.
If you did everything correctly on your 2021 tax return but didn’t get this credit, you might now receive it automatically.
Warning Signs That It’s a Scam
Here are some things that can help you tell a scam apart from a real IRS communication:
- Strange Messages: The IRS will never contact you through text, social media, or email to offer money.
- Pressure to Act Fast: Scammers want you to panic and act quickly without thinking.
- Asking for Personal Info: The real IRS will never ask for your bank details or Social Security number through a link.
- Weird Website Links: If the link doesn’t clearly come from “.gov” or looks suspicious, don’t click it.
Being aware of these signs can help you protect yourself.
How to Keep Yourself Safe
To avoid getting tricked by this or any IRS-related scam, follow these steps:
- Check Directly with the IRS: If you get a suspicious message, go to the IRS website or call their official number to double-check.
- Don’t Click Unknown Links: Never tap on links from unknown texts or emails that talk about money.
- Protect Your Devices: Install antivirus software on your phone and computer, and keep it updated.
- Report the Scam: Forward scam texts or emails to phishing@irs.gov. You can also report it to the BBB for public tracking.
What to Do If You’ve Been Scammed
If you think you may have clicked on a scam link or shared your information:
- Disconnect Your Device: Close the website and disconnect from the internet to stop malware.
- Change All Passwords: Update passwords for your online banking, email, and tax accounts right away.
- Monitor Bank Activity: Check your financial accounts daily for any strange charges or activity.
- Report the Incident: Inform the IRS, Federal Trade Commission (FTC), and your local police or cybercrime unit.
Quick action can help reduce the damage if you fall victim.