The IRS Dirty Dozen: Tax Scams to Watch Out for in 2026

Tax season is stressful, but for a growing number of people, it’s also when scammers strike.

Every year, the IRS releases its “Dirty Dozen” list, a roundup of the most dangerous tax scams in circulation. The 2026 list is out, and this year’s edition includes something new: AI-powered phone scams that are getting harder to spot.

In my latest video, I review the scams most likely to affect pre-retirees and retirees, including:

  • Fake IRS texts and emails designed to steal your personal information
  • AI-generated phone calls that sound like the real thing
  • Viral tax hacks on social media that can land you in serious trouble
  • Ghost preparers who leave you holding the bag if something goes wrong

If any of this sounds alarming, that’s the point. But it doesn’t have to be overwhelming. A few simple habits can go a long way toward keeping your finances and your information protected.

 

Transcript

Tax scammers are getting smarter, and this year they’ve added AI to their toolkit. Every year, the IRS releases its “Dirty Dozen” list of tax scams that are likely to affect you. The 2026 list is out, and I wanted to make sure you were aware of a few of them.

These scams don’t just cost people money. They release your personal information, they may trigger an audit, and they can create a mess that will take months or even years to untangle.

I’m Joe Dowdall with Worth Asset Management, and I’m going to walk you through some of the tax scams that may affect you.

Scam #1: Fake IRS Texts and Emails

Scam number one is fake texts and emails pretending to be the IRS. The IRS will not contact you by a text or email out of the blue. If you get a message with a link asking you to verify your account or claim a refund, don’t click it.

These fake messages often look very legitimate and may even include a QR code to look even more official. When in doubt, go directly to the IRS.gov website and don’t follow any links on unsolicited messages.

Scam #2: AI-Powered Phone Calls From Fake IRS Agents

Scam number two is AI-powered phone calls. Scammers are now using AI-generated voices and spoofed caller IDs to make it look like they’re actually calling from the IRS.

But here’s what you need to remember. The IRS generally contacts you by mail first. They will not leave a threatening voicemail, demand immediate payment over the phone, or threaten to have you arrested.

If you get a call like that, hang up.

Scam #3: Misleading Tax Advice on Social Media

Scam number three is following tax advice on social media. Oftentimes, someone will post a tax hack on TikTok or YouTube. Viewers will then try it, and then they end up facing an audit, a penalty, or worse.

If a tax strategy sounds too good to be true, it probably is. The IRS is actively tracking these viral schemes, and people who knowingly file inaccurate returns can face both civil and criminal penalties.

Get your tax advice from a qualified professional, not a stranger on the internet.

Scam #4: Using a Ghost Tax Preparer

Scam number four is using a ghost preparer. This is someone who prepares your tax return but refuses to sign it or include their tax preparer identification number.

Why does that matter? Because if something goes wrong with that return, you’re the one legally responsible, not them. 

Any legitimate tax preparer will sign your return. If yours won’t, that’s a problem. And never sign a blank or incomplete tax return.

Scam #5: Fake Charities and OIC Mills

Scam number five is fake charities and so-called OIC mills. After disasters or tragedies, fraudsters create fake organizations to collect donations and personal information.

Before you give, verify that the charity is recognized by the IRS at irs.gov. OIC mills are companies that may promise to settle your tax debt for pennies on the dollar.

They may charge high up-front fees, make big promises, and often go after people who don’t actually qualify for that kind of settlement.

If you’re dealing with tax debt, talk to a qualified professional before you pay anyone to negotiate on your behalf.

How to Protect Yourself From Tax Scams

I am here to help. Scammers oftentimes count on you feeling rushed, scared, or confused, especially around tax time.

If something feels off, slow down and verify it through official channels.

And if you have questions about any of this, that’s exactly what I’m here for. Reach out and call me at 469-423-1989 or you can email me at joe@worthassetmgmt.com.

Now let me confirm that I am not an accountant or a tax professional. This is simply information, not specific advice.