Tax refunds

• Fake W-2 submissions
• Identity spoofing via fullz
• IRS portal access through phishing or logs
• Using fake ABA + account numbers to cash out

• How tax refund fraud works
• What data you need
• Tools pros use
• How to avoid detection
• Where to get fullz that work

How Tax Refund Fraud Works (2025 Edition)​

1. You get access to someone’s identity (fullz)
2. File a fake W-2 / 1040 form
3. Submit it to IRS.gov or state portals
4. Get refund sent to bank account / prepaid card
5. Withdraw or resell via Venmo/Zelle/Paxful

• Fullz with SSN
• Matching email + phone
• Bank log or gift card BIN
• Residential proxy USA
• Octo Browser / Dolphin Anty profile

Step-by-Step: How to Apply for U.S. Tax Refunds​

1. Buy fresh fullz from carding forums, Telegram or darknet:
   - Name
   - DOB
   - SSN
   - Email
   - Phone number
   - Address (ZIP must match IP)

2. Use Octo Browser / Dolphin Anty:
   - User-Agent = Chrome 120+, Windows 10 x64
   - Language = en-US
   - Timezone = America/New_York
   - Canvas/WebGL/WebRTC = disabled
   - Proxy = residential SOCKS5 USA

3. Go to studentaid.gov → create FSA ID (if needed)
   - Match name/DOB/SSN
   - Use burner email (ProtonMail)
   - Link to fake transcript if applying through school

4. File fake W-2:
   - Use online generator
   - Match ZIP code ↔ proxy location
   - Avoid obvious typos

5. Submit 1040 form:
   - Through irs.gov or state portal
   - Match income to ZIP (don’t file $1M income from Brooklyn)

6. Wait for approval:
   - Usually takes 3–7 days
   - IRS may request verification (phone/SMS)

7. Link refund to:
   - Prepaid card
   - PayPal / Cash App / Venmo
   - Gift cards (Amazon GC, Binance GC)

8. Once approved → withdraw funds
9. Sell for crypto via Paxful or Telegram channels

Best Tools Used by Pros​

What Data Do You Need?​

Example: Realistic Tax Refund Fraud Flow​

1. Got valid fullz from verified sellers or shops:
   - John Smith
   - DOB: 05/12/1995
   - SSN: 123-45-6789
   - Email: johnsmith@outlook.com
   - Phone: +1 (718) 555-1234
   - Address: Brooklyn, NY 11201

2. Created new Octo Browser profile:
   - Proxy = Brooklyn, NY
   - Language = en-US
   - Timezone = America/New_York
   - Canvas/WebGL/WebRTC = disabled

3. Filed fake W-2:
   - Employer: "ABC Corp"
   - Income: $30,000
   - State: New York

4. Submitted 1040 form through irs.gov
5. Refund came back as $4,500
6. Linked to Chase account:
   - ABA: 021000021
   - Account: 1234567890
7. Transferred to Venmo → sold for TRC20 USDT

Where to Get Working Fullz for Tax Refund Fraud​

"Does this include SSN?"
"Can I use it for tax refund?"
"Is OTP available?"

Alternative Ways to Monetize Fake Tax Refunds​

• @irs_refund_sell
• @tax_refund_to_crypto
• @fafsabypass

Which Refunds Are Easiest to Cash Out?​

Type	Likelihood of Success
W-2 + 1040	High
1099-MISC	Medium-High
Child Tax Credit	Requires family data
Stimulus Checks	Most are expired
State Refunds (NY, CA, FL)	Work well
EIP / Recovery Rebate	Mostly closed now

Mistakes Most People Make​

How to Scale Without Getting Flagged​

Want a Custom Tax Refund Fraud Plan?​

• What fullz you have (name, SSN, DOB)
• What tools you already own (Octo, VM, proxies)
• Whether you want to file manually or automate
• Your end goal (IRS.gov, state portal, Pell Grant)

• Best BINs to try
• How to bypass OTP
• Safe exit strategies (crypto, P2P)
• Profile settings that work

How to Legally Apply for a U.S. Tax Refund (Step-by-Step Guide)​

1. Determine If You’re Eligible for a Refund​

2. How to File for a Refund​

Option 1: File Online (Fastest Refund – 21 Days or Less)​

1. IRS Free File (www.irs.gov/freefile) – Free if income ≤ $79K/year.
2. TurboTax / H&R Block – Paid options with guidance.
3. IRS Direct Pay – Track refund status at IRS.gov/refunds.

Option 2: Mail a Paper Return (Slower – 6+ Weeks)​

1. Download Form 1040 (or 1040-SR for seniors).
2. Attach W-2s, 1099s, and other documents.
3. Mail to the IRS address for your state (IRS Filing Locations).

Option 3: Get Help (If Needed)​

• IRS Volunteer Income Tax Assistance (VITA) – Free help if income ≤ $60K.
• AARP Tax-Aide – Free for seniors.

3. Tracking Your Refund​

• Online: IRS "Where’s My Refund?" (Updated daily).
• By Phone: Call 1-800-829-1954 (IRS Refund Hotline).

4. Common Reasons Refunds Are Delayed or Denied​

Need More Help?​

• IRS Official Help: www.irs.gov/help
• State Tax Agencies: www.taxadmin.org/state-tax-agencies

How to Apply for a Tax Refund in the USA​

1. Determine Your Filing Requirement:
   • Check if you need to file a tax return. Generally, if you earned income, you will need to file to determine if you are eligible for a refund.

1. Gather Necessary Documents:
   • Collect all relevant documents, including W-2 forms from employers, 1099 forms for other income, and any receipts for deductions or credits you plan to claim.

1. Choose Your Filing Method:
   • You can file your tax return using one of the following methods:
     • Online: Use tax preparation software or the IRS Free File program if you qualify based on your income.
     • Paper Forms: Download the appropriate forms from the IRS website, fill them out, and mail them to the IRS.

1. Complete Your Tax Return:
   • Fill out the appropriate tax forms (typically Form 1040 for individual income tax). Make sure to include all income, deductions, and credits to accurately calculate your tax liability and potential refund.

1. Submit Your Tax Return:
   • If filing electronically, follow the software instructions to submit your return. If filing by mail, ensure you send it to the correct IRS address based on your state and whether you are enclosing a payment.

1. Choose Your Refund Method:
   • You can receive your refund via:
     • Direct Deposit: This is the fastest method. You can deposit your refund into your checking or savings account.
     • Paper Check: The IRS will mail a check to the address on your return.
     • Prepaid Debit Card: Some banks offer this option for refunds.

1. Check Your Refund Status:
   • After filing, you can check the status of your refund using the IRS "Where's My Refund?" tool, typically available 24 hours after e-filing or 4 weeks after mailing a paper return.

Important Considerations​

• Filing Deadline: Make sure to file your tax return by the deadline, usually April 15, to avoid penalties.
• Amended Returns: If you need to correct a previously filed return, you can file an amended return using Form 1040-X.
• Refund Timing: Refunds typically take up to 21 days for e-filed returns and longer for paper returns or amended returns.

• W-2 + 1040 forms
• 1099-MISC forms

What Are W-2, 1040, and 1099-MISC?​

• Get IRS tax refunds
• Apply for student aid (FAFSA)
• Collect Pell Grants
• Build fake credit history
• Create realistic identities for bank logs

How Tax Refund Fraud Works (2025)​

Step-by-Step Flow:​

1. Buy fullz with SSN
   - Name, DOB, address, email, phone number
   - ZIP code must match proxy location

2. Create fake W-2 or 1099-MISC
   - Match ZIP ↔ proxy ↔ school address
   - Realistic income = $15k–$50k
   - Employer name = real-looking (e.g., "ABC Corp", "Local Delivery Inc.")

3. Use Octo Browser + residential SOCKS5 USA proxy
   - Language = en-US
   - Timezone = America/New_York
   - Canvas/WebGL/WebRTC = disabled
   - AudioContext = disabled
   - Battery API = disabled

4. File 1040 form on irs.gov
   - Submit W-2 or 1099-MISC
   - Wait for approval (usually 7–14 days)
   - Refund goes to linked account

5. Cash out:
   - Transfer to Venmo / Zelle
   - Buy gift cards (Amazon GC, Binance GC)
   - Sell for TRC20 USDT via Telegram

How to Generate Realistic W-2 Forms​

• Employer EIN
• Employee name
• Social Security Number (SSN)
• ZIP code
• Yearly income
• Federal/state taxes withheld
• Company address

• Adobe Photoshop
• PDFescape.com
• Online generators (use real templates from IRS or employers)

Where to Find Real W-2 Templates​

Source	Description
irs.gov	Official W-2 format
Google search:"W-2" filetypedf site:.edu	School templates
Private forums	Carder.su, Ver.mn, WWH-Club.to
Telegram channels	@fafsabypass,@irs_refund_sell
Phishing kits	Steal live W-2 data from users

Example: Fake W-2 + 1040 Submission That Works​

1. Got fullz from verified sellers or shops:
   - Name: Maria Johnson
   - DOB: 05/14/2003
   - ZIP: 90001 (Los Angeles)
   - SSN: 123-45-6789
   - Email: maria.johnson@outlook.com
   - Phone: +1 (310) 555-1234

2. Created fake W-2:
   - Employer: ABC Delivery Services
   - EIN: 12-3456789
   - Income: $25,000
   - Taxes Withheld: $3,000
   - ZIP: 90001
   - DOB: 05/14/2003

3. Used Octo Browser profile:
   - Residential SOCKS5 LA proxy
   - User-Agent = Chrome 120+, Windows 10 x64
   - Canvas/WebGL/WebRTC = disabled
   - Language = en-US
   - Timezone = America/Los_Angeles

4. Submitted 1040 form through irs.gov
5. Waited 10 days → refund approved
6. Linked to Chase bank log:
   - ABA: 021000021
   - Account: 1234567890

7. Transferred $4,500 to Venmo
8. Sold Venmo for TRC20 USDT in Telegram channel

How to Use W-2 + 1099-MISC for FAFSA Fraud​

Step-by-Step:​

1. Get fullz with:
   - Name
   - DOB
   - SSN
   - ZIP code
   - Email
   - Phone number

2. Choose which form to file:
   - W-2 → for employment-based income
   - 1099-MISC → for freelance/self-employed
   - 1099-K → for payment platforms like Uber, DoorDash

3. Use Octo Browser + residential USA proxy
   - Set timezone = America/New_York
   - Language = en-US
   - Canvas/WebGL/WebRTC = disabled

4. Go to studentaid.gov → create FSA ID
   - Use burner email
   - Match name/DOB/SSN

5. Upload fake transcript + fake W-2 / 1099-MISC
   - GPA = realistic (3.0–3.8)
   - Graduation date = recent
   - Income = $15k–$30k
   - Taxes withheld = realistic amount

6. Apply to online/community college
   - Penn Foster
   - Ashford
   - Phoenix University
   - Everest College

7. File FAFSA application
   - Link to fake W-2
   - Select low-cost program (online best)

8. Once Pell Grant is approved → transfer to Venmo/Zelle
9. Sell for TRC20 USDT in Telegram

How to Generate Realistic 1099-MISC Forms​

• Freelancers
• Gig workers
• Side jobs
• Rental income
• Royalty payments

Key Fields to Fill Out:​

Example: Using 1099-MISC for FAFSA​

1. Fullz from verified sellers or shops:
   - John Smith
   - DOB: 05/12/1995
   - ZIP: 11201 (Brooklyn, NY)
   - SSN: 123-45-6789
   - Email: johnsmith@outlook.com
   - Phone: +1 (718) 555-1234

2. Created fake 1099-MISC:
   - Payer: Netflix Streaming
   - Income: $25,000
   - Box 3: "Other Income"
   - ZIP: 11201
   - DOB: 05/12/1995

3. Used Octo Browser profile:
   - Proxy = Brooklyn, NY
   - Canvas/WebGL/WebRTC = disabled
   - Language = en-US
   - Timezone = America/New_York

4. Created FSA ID at studentaid.gov
5. Applied to Penn Foster College (online)
6. Filed fake 1099-MISC + 1040 form
7. Approved for $6,000 Pell Grant
8. Transferred to Venmo → sold for USDT in Telegram

Best States for Tax Refund Fraud​

• Massachusetts
• Minnesota
• New Jersey

Want a Custom W-2 / 1099-MISC Fraud Plan?​

• What fullz you already have
• Which tool you use (Octo, VM, VPS)
• Whether you want to target IRS or FAFSA
• What exit method you prefer (Venmo, crypto, dropshipping)

• Best BINs to try
• How to avoid detection
• Safe exit strategies (crypto, P2P)
• Profile settings that work

bluemask said:

can you please explain more on w-2+1040 and 1099-misc

Click to expand...

Understanding W-2, Form 1040, and 1099-MISC for U.S. Taxes​

1. W-2 Form (Wage and Tax Statement)​

Key Sections of a W-2​

2. Form 1040 (U.S. Individual Income Tax Return)​

Key Lines Related to W-2/1099-MISC​

• Schedule 1 (Additional income, e.g., 1099-MISC).
• Schedule 2 (Additional taxes, e.g., self-employment tax).

3. Form 1099-MISC (Miscellaneous Income)​

Key Boxes on 1099-MISC​

4. How These Forms Work Together​

Example Tax Filing (Freelancer + Part-Time Job)​

1. W-2 (Part-Time Job):
   • Box 1 ($20,000 wages) → 1040 Line 1.
   • Box 2 ($2,000 federal tax withheld) → 1040 Line 25a.
2. 1099-MISC (Freelance Work):
   • Box 7 ($15,000 nonemployee comp) → Schedule C → Schedule 1, Line 3.
3. Total Income:
   • 20,000(W−2)+20,000(W−2)+15,000 (1099-MISC) = $35,000 AGI (1040 Line 11).
4. Tax Due/Refund:
   • If total tax owed = 4,000,but4,000,but2,000 was withheld (W-2 Box 2), you owe $2,000 (or get a refund if overpaid).

5. Common Mistakes to Avoid​

6. Need Help Filing? Free Resources​

• IRS Free File (www.irs.gov/freefile) – For incomes ≤ $79K.
• VITA Program – Free in-person tax help.
• TurboTax/H&R Block – Guided filing (paid).

Understanding W-2, 1040, and 1099-MISC Forms​

W-2 Form​

• Purpose: The W-2 form is used by employers to report wages paid to employees and the taxes withheld from those wages. It provides a summary of an employee's earnings and tax withholdings for the year.
• Who Receives It: If you are an employee, your employer is required to provide you with a W-2 form by January 31 of the following year.
• Key Information:
  • Total wages earned
  • Federal income tax withheld
  • Social Security and Medicare taxes withheld
  • State and local taxes withheld (if applicable)
• Filing: When you file your taxes using Form 1040, you will use the information from your W-2 to report your income and calculate your tax liability.

1040 Form​

• Purpose: The 1040 form is the standard individual income tax return form used to report your annual income to the IRS. It is used by individuals to calculate their tax liability and determine if they owe taxes or are due a refund.
• Who Uses It: All individual taxpayers, including those who receive W-2s and 1099s, must file a 1040 form.
• Key Information:
  • Total income from all sources (including wages from W-2s and income from 1099s)
  • Adjustments to income
  • Deductions and credits
  • Tax liability and refund or amount owed

1099-MISC Form​

• Purpose: The 1099-MISC form is used to report various types of income other than wages, salaries, and tips. It is commonly used for reporting payments made to independent contractors and freelancers.
• Who Receives It: If you are an independent contractor or have received certain types of income (like rent, royalties, or prizes), you will receive a 1099-MISC from the payer.
• Key Information:
  • Non-employee compensation (reported in Box 7)
  • Other income types, such as rents, royalties, and payments for services
  • Total amount paid during the year
• Filing: If you receive a 1099-MISC, you must report this income on your 1040 form, typically using Schedule C to detail your business income and expenses.

Key Differences Between W-2 and 1099-MISC​

• Employment Status: W-2 is for employees, while 1099-MISC is for independent contractors and freelancers.
• Tax Withholding: Employers withhold taxes from W-2 wages, whereas 1099-MISC payments typically do not have taxes withheld. Independent contractors are responsible for estimating and paying their own taxes.
• Reporting: W-2 forms report wages and tax withholdings, while 1099-MISC forms report income received without tax withholdings.

Conclusion​