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Press Release

February 28, 2018

Capital Bank Contact:
Bill Whelan

7 Tips to Prevent Tax ID Fraud

With the 2018 tax season underway, taxpayers should take extra precaution when filing their return to prevent their exposure to tax fraud.

“Fraudsters are using very clever tactics to get a hold of your personal information and submit false tax claims,” said David J. Hanrahan, President and CEO of Capital Bank of New Jersey. “Consumers must be suspicious of any communication from the IRS – through email, text or social media – that requests personal information, and should keep a watchful eye out for missing W-2s and mail containing sensitive financial information.”

Tax identity fraud takes place when a criminal files a false tax return using a stolen Social Security number in order to fraudulently claim the refund. Identity thieves generally file false claims early in the year and victims are unaware until they file a return and learn one has already been filed in their name.

Capital Bank of New Jersey is offering the following tips to help prevent tax identity fraud:

  1. File early. File your tax return as soon as you’re able, giving criminals less time to use your information to file a false return.

  2. File on a protected wi-fi network. If you’re using an online service to file your return, be sure you’re connected to a password-protected personal network. Avoid using public networks like a wi-fi hotspot at a coffee shop.

  3. Use a secure mailbox. If you’re filing by mail, drop your tax return at the post office or an official postal box instead of your mailbox at home. Some criminals look for completed tax return forms in home mailboxes during tax season.

  4. Find a tax preparer you trust. If you’re planning to hire someone to do your taxes, get recommendations and research a tax preparer thoroughly before handing over all of your financial information.

  5. Shred what you don’t need. Once you’ve completed your tax return, shred the sensitive documents that you no longer need and safely file away the ones you do.

  6. Beware of phishing scams by email, text or phone. Scammers may try to solicit sensitive information by impersonating the IRS. Know that the IRS will not contact you by email, text or social media. If the IRS needs information, they will contact you by mail first.

  7. Keep an eye out for missing mail. Fraudsters look for W-2s, tax refunds or other mail containing your financial information. If you don’t receive your W-2s, and your employer indicates they’ve been mailed, or it looks like it has been previously opened upon delivery, contact the IRS immediately.

If you believe you’re a victim of tax identity theft or if the IRS denies your tax return because one has previously been filed under your name, alert the IRS Identity Protection Specialized Unit at 1-800-908-4490. In addition, you should:

  • Respond immediately to any IRS notice and complete IRS Form 14039, Identity Theft Affidavit.

  • Contact your bank immediately, and close any accounts opened without your permission or tampered with.

  • Contact the three major credit bureaus to place a ‘fraud alert’ on your credit records:

    Equifax, www.Equifax.com, 1-800-525-6285
    Experian, www.Experian.com, 1-888-397-3742
    TransUnion, www.TransUnion.com, 1-800-680-7289

  • Continue to pay your taxes and file your tax return, even if you must do so by paper.

More information about tax identity theft is available from the FTC at ftc.gov/taxidtheft and the IRS at irs.gov/identitytheft.

Capital Bank’s success has been recognized locally – it was the Greater Vineland Chamber of Commerce’s 2017 Business of the Year – as well as nationally.  For three consecutive years the bank has been named by American Banker as one of the Top 200 Community Banks in the United States. The Bank has branches in Vineland, Woodbury Heights, and Hammonton. It also has a Loan Production Office in Marlton.