Feb. 25, 2025

Fraudulent Tax Returns and How to Protect Yourself

Show Notes
Transcript

Has someone filed a tax return in your name? What a mess!

Joyce talks about her current experience with a fraudulent tax return filed in her name and social security number. The process she is going through and how long it could take to resolve. What happens to your refund or overpayment credit when this happens.

Tune in to learn how to protect yourself as soon as possible!

Let’s Talk About Scams is broadcast live Tuesdays at 8AM PT on K4HD Radio - Hollywood Talk Radio (www.k4hd.com) part of Talk 4 Radio (www.talk4radio.com) on the Talk 4 Media Network (www.talk4media.com). Let’s Talk About Scams TV Show is viewed on Talk 4 TV (www.talk4tv.com).

Let’s Talk About Scams Podcast is also available on Talk 4 Media (www.talk4media.com), Talk 4 Podcasting (www.talk4podcasting.com), iHeartRadio, Amazon Music, Pandora, Spotify, Audible, and over 100 other podcast outlets.

Disclaimer: The information contained in this podcast is intended for informational purposes only and is not a substitute for individual professional / legal advice. The podcast information was carefully compiled from vetted sources and references; however, R.O.S.E. Resources / Outreach to Safeguard the Elderly cannot guarantee that you will not fall victim to a scam.

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This program is designed to provide general information with regards

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to the subject matters covered. This information is given with

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the understanding that neither the hosts, guests, sponsors, or station

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are engaged in rendering any specific and personal medical, financial,

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legal counseling, professional service, or any advice. You should seek

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the services of competent professionals before applying or trying any

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suggested ideas. The information contained in this podcast is intended

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for informational purposes only and is not a substitute for

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individual professional legal advice. The podcast information was carefully compiled

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from vetted sources and references. However, Rose Resources outreach to

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safeguard the elderly cannot guarantee that you will not fall

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victim to a scam. Let's talk about scams. It's the

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must listen show for anyone who wants to protect themselves

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and their loved ones from scams. Every Tuesday am Pacific

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time on K four HD Radio, Joyce Petrowski, founder of Rose,

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and her guests will provide valuable insights and practical tips

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on how to recognize and protect yourself from scams. And

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now here is your host, Joyce Petrowski.

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Hi, everyone, welcome back to let's talk about scams. You

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can find more resources on our website at Roseadvocacy dot org.

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You'll find our social media links on there, and you

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will also find where you can sign up for our

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emailed or sign up for our mailed newsletters. We do

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one of each each month. So today I want to

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talk to you about tax related identity theft. It is

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the end of February and we are in tax season.

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I know it's the It's everybody's favorite season, saying that sarcastically,

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So this is a personal experience that I am currently

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going through. So a lot of people file tax returns

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every year. They might file them single, had a household,

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married filing separately, married filing jointly. And in early September

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of twenty twenty fourth, so close to six months ago,

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it was actually on my birthday and I opened up

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a letter that it was from the IRS, And as

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I was opening it, I thought, boy, this is weird.

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This letter's coming in just my name. But we've been

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filing married, filing jointly. I've been filing with my husband

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for like thirty years. Why is it all of a

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sudden just in my name. Well, I opened the letter

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up and guess what, somebody filed a tax return in

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my name and social Security number. So it said you

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know if you and and the letter also said that

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they had lagged it as potentially being fraudulent, which I

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was happy that they did that, because it is a

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fraudulent return. I was very surprised and thankful that they

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flagged it and didn't just automatically process that return. So

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and then it said, you know, if you did do this,

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if this it was your return, you know do this.

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But if this wasn't, you need to call us at

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this number. So I called the number right away and

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talked to somebody, and I had to go through a

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verification process. And you are going to have to give

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out personal sensitive information because they have to verify that

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it's you that they're talking to. So you want to

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make sure you're calling the right number. And once I

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was verified, they did tell me that a tax return

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had come in filed under my name and sold security number.

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Now I knew it was automatically fraudulent because my husband

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and I had not filed our tax return yet. It

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wasn't ready yet, and in fact, we didn't file ours

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until probably early October of twenty twenty four, so I

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confirmed that this was a fraudulent return. I was on

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the phone with them for a while. As you know,

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calling the IRS, you might have to sit on hold

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for a little while. But I went through everything with

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the IRS representative. I did ask I was curious, you know,

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can you tell me the address that this return came

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in under? And she said no, I'm not allowed to

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give you that information. So I don't have any information

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on that return other than it had my name social

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Security number on it. And she told me that I

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had to fill out this identity theft affidavit form and

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submit it into the IRS, which I did and that

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started the process. And she also told me that if

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we were expecting a refund on our tax return when

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we filed it, that we would not be getting that

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until this fraudulent return was cleared out of my account,

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and it could take up to and I'm trying to

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remember she either said five hundred and thirty days or

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six hundred and thirty days, but still, whether it was

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five hundred and thirty or six hundred and thirty, that's

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a long time if you're expecting a refund to all

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of a sudden have that refund held up and not

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get it. So we had our accountant put in that.

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Knowing that the refund would be delayed, we said, just

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apply the overpayment to the next year, which is twenty

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twenty four. Well, then in December we get a letter

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from the IRS saying my husband got one and I

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got one separate, and it said the amount that we

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are crediting, the amount of your overpayment that we're crediting

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to twenty twenty four is zero. So the money is

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still there at the IRS, but it's it's in quote

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unquote limbo right now. It's just sitting there and I

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do I did try to call back in December and

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I called the IRS. I talked to them and they said,

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let me put you on hold. I'm going to go

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through and look up your account. And this was after

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I waited probably thirty to forty five minutes on hold,

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I got disconnected. So I called back and again waited

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probably about half hour that time, got a hold of

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someone and they wanted I explained why I was calling,

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and they wanted to put me on hold, and I said,

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now wait a minute. You know I was put on

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hold when I called just recently and I got disconnected,

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you know, please don't disconnect me. And they're like, we're

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not going to disconnect you. I We're just going to

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put you on hold. So it worked. I was on

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hold for a few minutes, and they pulled up the

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account and came back on and went through everything, and

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they said, okay, I'm going to have to put you

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on hold again because I want to get I want

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to process this out of your account, you know, clear

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this fraudulent return out of my account. And I thought,

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oh great, it's only going to take a couple months

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and a couple of years to get this resolved. And

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so I'm sitting there on hold, and then I get

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disconnected again, and it's frustrating. I'm sure it's frustrating to

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a lot of people, you know, to have to wait

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on hold and then talk to somebody only to be

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disconnected and then have to call back again and wait

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on hold, and so it's just really frustrating. And I said,

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you know what, forget it. It's December, it's the holidays.

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I'm just going to let this go. I'm going to

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call them, you know, in the first couple months of

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the new year. Now it's on my calendar. I do

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need to call them this week or next week to

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see where we're at with things. But there is something

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that the IRS implemented I want to say three years ago,

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three to five years ago. I don't know exactly when

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they implemented it, but it's called an Identity Protection pin

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an ip PIN. You have to request. You have to

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set up an account with the IRS. You can do

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it online. You go to IRS dot gov and that's

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dot goo V because it's a government office, and just

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type in Identity Protection PIN and it'll take you to

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the page and you can go through the process of

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requesting this PIN number. It's a six digit number, and

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you'll get a letter in the mail assigning you the number.

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And then every year you're going to get a letter

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in the mail from the IRS assigning you a different number.

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So it changes every year, which is a really good

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security measure. Now, once you've been assigned this, it has

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to be on your tax return or the return will

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be automatically rejected. And so even if you file your

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tax return, if you have this IP pen and you

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do not put it on your tax return, it's going

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to get rejected. So you have to have it on

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your tax return. When you file. Now. I had learned

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about this, probably about a year ago, and I immediately

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went in and got my husband one, with him being

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the first spouse listed on the tax return, you know,

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the the tax payments and stuff, or in his social

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Security number. You know, any money we had sitting in

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withhold things and stuff like that, we're all in his

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social Security number. So I'm thinking, Okay, well, then I

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don't need to get one. Well, then, as I was

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doing some research, you know, later on last year, I realized,

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you know, no, I really should have one because my

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name and social Security number is on the account, the

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joint account. But what was my mistake? I didn't take

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the five to ten minutes right then and there and

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set up an account for myself and get a PIN number.

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Had I done that, and I'm assuming that that tax

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return was filed later on, and it would have been

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filed after I got the PIN number, then it would

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have been automatically rejected, so and I wouldn't be going

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through this right now. It just would have that fraudulent

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return would have been rejected because it didn't have the

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PIN number on it, and I wouldn't be sitting in

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this mess right now, so, as I said earlier, you

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can get the Identity Protection PIN by going online. It's

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probably the quickest way to get it. But understanding not

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a lot of people, there are some people that just

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choose not to request this online. So you can also

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call the IRS. When you go in to the IRS

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website under the Identity Protection Pin information, it'll have their

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phone number of where to call to get your PIN,

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so you can. Again, they're going to have to verify you,

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so you're going to have to give over some personal

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sensitive information, so you're going to want to make sure

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that you have that verified phone number to talk to

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the IRS. Or you can request an in person appointment

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and go in and do it in person. Now, calling

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to do it and requesting an appointment and going in

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is going to take longer. I don't know if you're

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going to request an in person appointment, how long it

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takes to get that appointment. I don't know if they're

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scheduling like within a week or if it's going to

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take a month or a couple months. I'm not sure

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on that. So again, the quickest way is going to

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be to do it online and just know that when

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you do get issued that IP PIN, number. That is

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personal confidential information, and you do not give it to anybody.

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You put it in a safe place, and the only

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time you should take it out to use it is

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when you are signing and dating your tax return. You're

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going to need to have it on that tax return,

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so you're going to want to make sure you keep

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it in a safe place. You don't want to just

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hanging out on the counter and then you have somebody

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over and they snap a picture of it, So keep

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it in a safe, locked place. Let's see, so I

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mentioned earlier that the pin is valid for just one year.

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They will the IRS automatically send you a letter with

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your new pin each year. And if if both spouses

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are on the same account, which is usually married filing jointly,

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you're both going to need to have a pin, So

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make sure both of you get at an IP PIN

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number separately. You have to have two separate accounts because

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it's going to go by your name and soil security number.

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And as I said before, only share that pin with

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your tax prepare If you use one and they're going

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to file electronically, they're going to need to have it

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file to file their return electronically. But if you're going

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to mail it in. You're going to sign it yourself

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and mail it in. I don't think you really need

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to give it to your tax prepare because you can

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just write it on there when you sign the return.

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They also the IRS also has a way if you

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are to lose that letter with that PIN number, you

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could log back into your account. So you're going to

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want to save that log in information and it'll tell

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you what your PIN number is, or they also have

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a phone number that you can call. Again, they're going

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to have to verify you that it's you that they're

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talking to before they give you that PIN. So the

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other thing is is, you know I've in our presentations,

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I've talked to people and you know they haven't filed

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tax returns for a number of years or maybe just

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a few years. It's still a good idea to get

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this pin. You're not going to need it to put

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it on a tax return, but it people can still

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file fraudulent tax returns in your name and sold security

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number even if you don't file tax returns. And then

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though if you don't have that PIN, those returns could

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get accepted and processed and be part of your account

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with the irs, and so you're going to have fraudulent

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returns tagged to your account. So even if you don't

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file tax returns, you still want to get the PIN.

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It takes a little bit of extra time to get

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it the first time, but then, as I said before,

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every year, you're going to get a letter with your

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new PIN number. So this is one of the things

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that we talk about in our fraud Awareness and Protection

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program when we're out meeting with seniors and presenting our

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program on how to protect yourself, the anatomy of a scam,

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how your information gets out there. We talk about AI,

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but we go through a lot of resources and tips

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and tools, and there's a twenty page packet that we

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give out with to every attendee, so you're gonna if

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you're interested in learning more about that, you can get

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on our website at Rosadvocacy dot org. That's dot o

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RG and the menu bar at the top the far

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right size side that schedule your next presentation. You can

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just click on that and fill out some information and

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we'll be in touch. Or you can give us a

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call or shoot us an email. It's at Rosadvocacy dot org,

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or you can call us at six oh two four

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four five seven six seven three, So don't forget take

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five or ten minutes, get online, set up your account

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with the IRS at IRS dot gov it's dot gov,

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and get that identity protection pin. This is a great

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safeguard to prevent fraudulent tax returns from being attached to

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your account because you do not want to go through

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what I'm going through right now and having to take

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a lot of extra time to you know, every now

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and then call the IRS find out what's going on,

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the status of what's going on. And you know, like

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they said it could take up to five six hundred

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days for this whole thing to get processed, and they

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actually or this whole thing to get resolved, I should say,

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and get this return off of my account. And this

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is even you know, spent almost six months and it's

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not resolved yet and they didn't even process the return.

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So could you imagine how long it's going to take

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if a fraudulent return had been processed. I mean, it

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literally could take a year, two years. So get your

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ip IP pin, your identity protection pin with the IRS.

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Make sure you get one for both spouses because you're

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going to need it to protect your account and then

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put it in a safe place and make sure when

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you do file your tax return you write that PIN

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number down for both spouses, because that even if you

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file a tax return and you don't have your PIN

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written down, it will not get accepted. It will automatically

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get rejected. So once again, you can find more resources

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on our website at ROWS Advocacy dot org. Sign up

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for our newsletters. We have an emailed and a mailed newsletter.

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You will find our social media links on there and

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you'll find some more resources. And if you're interested in

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making a donation, you can go to the donate button

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and we have an event coming up. We have a

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golf tournament on Friday, April eleventh, and if we are

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looking for golfers, we are looking for sponsors and we

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are looking for donations for our silent and live auction.

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So reach out to us and let us know how

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you can help out. Thank you and see you next week.

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Well that's all the knowledge for this episode. June in

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every Tuesday at eight am Pacific time on KFOURHG Radio

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at KFOURHD dot com. As Joyce explores a variety of

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knowledge so you have the power to make scam protection

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you are helping have it, and until then, feel free

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to reach out to Joyce and let's talk about scams.

Fraudulent Tax Returns and How to Protect Yourself

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Fraudulent Tax Returns and How to Protect Yourself

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