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How do I get an IRS IP PIN after a tax identity theft scam
Use the free tool — Scam & Identity-Theft Recovery Plan
Tax identity theft and why the IP PIN comes up
If someone used your Social Security number to file a fraudulent tax return, or you're worried they might, the IRS Identity Protection PIN (IP PIN) is one of the steps in a full recovery plan. Recovery from any scam or identity theft works best as a sequence with clocks — what you do in the first 48 hours matters, and each step has its own deadline.
What this material says about the IP PIN
The IRS IP PIN is listed as one part of an ordered recovery plan that also includes: bank and wire-recall calls, your Regulation E rights (60 days from the statement), the card chargeback window, credit freezes and fraud alerts, the FTC identity-theft report and IC3, the Florida AG, and follow-up letters. The plan computes every deadline from the dates you describe.
What this material does not tell you
Honestly, the details here don't go further than that — no specific IRS form, application link, or waiting period for the IP PIN is given in this material. That's a gap. Confirm the exact application steps and any current rules directly with the IRS before you rely on anything else.
Where it fits with the rest of your steps
- Today: bank and wire-recall calls, using specific words to say, before a transfer settles.
- This week: the written Reg E dispute (needed in writing to preserve your rights), the chargeback, credit freezes and fraud alerts.
- This month: the FTC identity-theft report, IC3 report, the IRS IP PIN, the Florida AG, and follow-up letters.
The FTC's own site for confirmed identity theft is free: identitytheft.gov.
Other help if you need to talk to someone
- AARP Fraud Watch: 877-908-3360
- Florida Attorney General: 1-866-966-7226
This is not legal or tax advice. Transfers you authorized under deception (Zelle, wire, gift cards) are often not covered, though banks sometimes reimburse and the CFPB has pressed them to. Do every step anyway — the record matters for the bank, the bureaus, and any later claim.
What to do next
Describe what happened and when. The free tool reads your own dates and numbers and puts the IP PIN step in order with everything else — the bank scripts, the Reg E dispute, the chargeback window, the freezes, and the letters — with every deadline computed from what you typed. It's free, in English and Spanish. It does not file the reports or disputes for you, and it is not legal or tax advice — confirm deadlines and IP PIN specifics with the IRS and your bank.
Scam & Identity-Theft Recovery Plan is an informational tool based on Regulation E (12 CFR 1005), the Fair Credit Reporting Act (§§605A, 605B, 609(e)), the Fair Credit Billing Act, card-network chargeback rules, and Florida Statutes 817.568 as of 2025–26. It is not legal or financial advice and does not file reports or disputes. Coverage of authorised-but-induced transfers depends on the bank and the network. It is not affiliated with any bank, bureau or agency.