In 2025, stimulus payment scams are on the rise, and fraudsters are getting more creative with how they target individuals. These scams often involve fake communications that appear to be from government agencies, aiming to steal personal information or money. Whether it’s a phone call, email, text message, or even fake checks, scammers are getting better at their tricks. But don’t worry, we’ve got you covered. Here’s how to protect your personal data and avoid falling victim to these scams.
As economic relief measures continue, the government is distributing stimulus payments to those eligible. Scammers know that people are on the lookout for financial assistance, and they’re using this opportunity to steal your personal data or money.
Stimulus Payment Scams on the Rise
| Key Fact | Details |
|---|---|
| Scam Types | Fake texts, emails, phone calls, and fraudulent checks |
| Red Flags to Watch For | Requests for personal information, urgency, and offers of early payments |
| Official Communication Channels | Government agencies will contact you via postal mail, not unsolicited texts or emails |
| Reporting Scams | Report suspicious communications to phishing@irs.gov and BBB.org/ScamTracker |
| Protective Measures | Do not share personal information, verify sources, and use security software |
As stimulus payment scams continue to rise in 2025, it’s crucial to stay vigilant and protect your personal data. Scammers are using increasingly sophisticated methods to trick you into revealing sensitive information. By knowing the red flags, following best practices for security, and reporting scams promptly, you can help safeguard your financial future. If you’re ever unsure about the authenticity of a communication, remember: when in doubt, verify it through official channels.
Types of Stimulus Payment Scams in 2025
1. Phishing Scams: Emails, Texts, and Calls
One of the most common forms of fraud is phishing, where scammers send emails or text messages that appear to come from government agencies like the IRS or the Social Security Administration. These messages often claim you’re eligible for a stimulus payment, but to get the money, you need to “verify” your personal information.
Example Scam:
You receive a text message saying, “We’ve processed your stimulus payment. To complete your claim, please click this link and confirm your Social Security number.” When you click the link, it directs you to a fraudulent website that asks for your personal details, including your bank account number and login information.
2. Fake Checks: “Stimulus Payment” Checks in the Mail
Some fraudsters go old-school and send fake checks that look like government-issued stimulus payments. They may even include a fake return address or logos from government programs like the Economic Stimulus Payment.
Example Scam:
You receive a check in the mail that appears to be from the U.S. Treasury or another government agency. It instructs you to deposit the check into your bank account, but it’s counterfeit. The scammers may also ask you to wire a portion of the check’s value back for processing fees.
3. Phone Calls from “Government Officials”
In these scams, the fraudster calls you pretending to be an official from the IRS or another government body. They claim that they need to verify your identity to send your stimulus payment or to make sure you’re eligible. The caller may ask for personal information like your Social Security number, bank account details, or other sensitive data.
Example Scam:
A call comes in from someone claiming to be with the IRS, saying, “We need to confirm your information before we can release your stimulus funds.” They pressure you to provide personal data, such as your date of birth or even credit card numbers to “verify your identity.”
Recognizing the Red Flags
1. Unsolicited Contact
Government agencies like the IRS, Social Security Administration, and Medicare will never contact you via unsolicited texts, emails, or phone calls. If you receive such communications, it’s likely a scam. The official channels of communication for government agencies are typically postal mail and secure web portals.
2. Request for Personal Information
Be very cautious if someone asks for sensitive information like your Social Security number, bank account info, or credit card info. No legitimate government agency will ask for this over the phone or via email.
3. Urgency and Threats
Scammers often create a sense of urgency to trick you into acting without thinking. For example, they might say, “You must confirm your details immediately to avoid missing out on your payment!” or “Failure to provide this information will result in delays.” Always take your time and verify the source of the message.
4. Suspicious Links and Attachments
Scammers may include malicious links or attachments that contain viruses or malware designed to steal your information. Never click on links or download attachments from unknown sources. Always verify the sender’s email address and website.
Protect Your Personal Data in 2025
1. Know the Official Channels of Communication
Remember that legitimate stimulus payment communications will never come through unverified emails or text messages. The IRS and other agencies will contact you through official channels, such as:
- Postal mail for official notices
- IRS.gov for updates and eligibility information
- Secure online portals for submitting and verifying personal details (like the IRS Get My Payment tool)
If someone contacts you claiming to be from the IRS or another government agency, don’t respond without verifying their authenticity.
2. Do Not Share Personal Information
Be wary of unsolicited requests for your Social Security number, bank account info, or any other personal data. Remember: the IRS and other agencies will not ask you for this over the phone, by text, or email.
If you ever feel uncertain about a communication, hang up and call the IRS directly at their official phone number or check their website for the latest updates.
3. Use Secure Websites
Always make sure you are on a secure website when submitting personal information. Look for “https” in the URL (the “s” stands for secure), and avoid websites that look suspicious or unprofessional.
4. Enable Two-Factor Authentication (2FA)
If your banking or financial accounts offer two-factor authentication (2FA), make sure to enable it. This provides an added layer of security and ensures that even if a scammer has your password, they cannot access your accounts without a second form of verification.
5. Report Scams Immediately
- Report to the IRS: Send details of the scam to phishing@irs.gov.
- File a complaint with the Better Business Bureau: Report the scam at BBB.org/ScamTracker.
- FTC Complaints: The Federal Trade Commission (FTC) also handles scam reports. Visit ReportFraud.ftc.gov to file a complaint.
6. Regularly Check Your Credit Report
Scammers may use your personal data to open new accounts in your name. Stay ahead by checking your credit report regularly for unauthorized activity. You can request a free credit report once a year from the three main credit bureaus at AnnualCreditReport.com.
Government Actions Against Scams
The IRS, FTC, and state-level consumer protection agencies are actively fighting against stimulus payment scams. For example, the IRS regularly updates its phishing alerts and provides tips for recognizing fraudulent schemes. In response to the growing threat, the FTC launched initiatives like the “Pass It On” campaign, which aims to educate the public about scams and how to report them.
In addition to these efforts, the BBB tracks scams through its ScamTracker tool, helping consumers identify and report fraudulent activity. These agencies are working together to reduce scam incidents and protect consumers from fraud.
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Specific Advice for Vulnerable Groups
- Be extra cautious about unsolicited phone calls or emails.
- Seek help from trusted family members or friends to help verify the legitimacy of any stimulus-related communication.
- Consider signing up for fraud protection services or credit monitoring to reduce your risk.
How to Secure Your Devices from Scammers
- Install antivirus software on your computer and smartphone.
- Update your devices regularly to patch vulnerabilities.
- Avoid public Wi-Fi networks when submitting sensitive information.
- Use a virtual private network (VPN) for an added layer of security.
What to Do if You’ve Fallen for a Scam
- Contact your bank immediately to report any suspicious activity.
- Change your passwords and enable two-factor authentication.
- Report the scam to the IRS, FTC, and BBB.
- Place a fraud alert on your credit report with the major credit bureaus.
FAQs
How can I recognize a legitimate stimulus payment communication?
Legitimate communications about stimulus payments will come from official government channels, like the IRS website or via postal mail. If you receive an unsolicited text, email, or phone call asking for personal information, it’s likely a scam.
What do I do if I’ve received a suspicious email or text?
Do not click on links or download attachments. Verify the sender’s identity and report the communication to the IRS at phishing@irs.gov or BBB.org.
How can I protect my bank accounts from fraud?
Use strong passwords, enable two-factor authentication (2FA), and monitor your banking activity regularly. Immediately report any suspicious transactions to your bank.
What should I do if I’ve already fallen for a scam?
Contact your bank immediately to secure your accounts, change any compromised passwords, and report the scam to the relevant authorities.
