Scammers frequently impersonate government agencies to intimidate people into paying money they don’t actually owe. One of the most common versions of this scheme involves phone calls claiming you owe back taxes and must act immediately to avoid serious consequences.
These calls can sound convincing, but knowing how legitimate tax agencies communicate can help you spot a scam before any damage is done.
How Back Tax Scams Work
You may receive an unexpected phone call, voicemail, or even a recorded message claiming to be from the IRS or a tax authority. The caller might say:
• You owe back taxes or penalties
• Legal action, wage garnishment, or arrest is imminent
• Payment is required immediately to avoid consequences
Scammers often demand payment through gift cards, wire transfers, cryptocurrency, or prepaid debit cards — methods that are difficult or impossible to trace once the money is sent.
Common Red Flags
Be cautious if a caller:
• Contacts you unexpectedly about unpaid taxes
• Uses threats, urgency, or fear to pressure you
• Demands immediate payment or specific payment methods
• Refuses to let you verify the information independently
Government agencies do not operate this way. Pressure and intimidation are key scam tactics.
What the IRS Will — and Will Not — Do
The IRS does not:
• Call demanding immediate payment
• Threaten arrest or law enforcement action over the phone
• Request payment via gift cards, wire transfers, or cryptocurrency
• Ask for personal or banking information in an unsolicited call
In most cases, legitimate tax issues are communicated first through official mail, not unexpected phone calls.
How to Protect Yourself
If you receive a call claiming you owe back taxes:
• Hang up and do not engage with the caller
• Do not provide personal, financial, or banking information
• Verify any tax concerns using official IRS channels
• Contact GCSB if you believe your account information may have been compromised
Taking a moment to pause and verify can prevent financial loss.
When in Doubt, Stop and Verify
Scammers rely on fear and urgency to push quick decisions. If something feels off, trust your instincts and take the time to confirm the situation through trusted, official sources.
Fraud prevention starts with awareness, and GCSB is committed to helping you stay informed and protected. If you ever have questions about a suspicious call or message, we’re here to help.