Ghost Money · Issue 14 · Sep 28, 2026 · Issue 1 · Issue 2 · Issue 3 · Issue 4 · Issue 5 · Issue 6 · Issue 7 · Issue 8 · Issue 9 · Issue 10 · Issue 11 · Issue 12 · Issue 13 · Issue 14 · Issue 15 · Issue 16 · Issue 17 · Paste an ad · $9 check

They texted you fourteen hundred.

Issue 13 was shelter-and-helper bait. Issue 14 is late-September 2026 SMS that sells a $1,400 IRS stimulus check or a “processed” refund you must confirm by link — BBB warned Sep 27, 2026; the FTC’s Jan 22, 2026 alert covers tax-refund phishing texts; the IRS only texts opt-in service messages and never asks for personal or financial information that way. Free. Not tax advice. If the agency did not publish the dollar, we leave it blank.

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Stimulus and refund texts

Dead

“$1,400 IRS stimulus check — confirm details by text/link”

Ad: “IRS: You are eligible for a $1,400 stimulus check — click / reply to confirm personal details so we can process the payment.” BBB warning via WHIO (Sep 27, 2026): taxpayers are receiving texts claiming eligibility for a $1,400 IRS stimulus check; texts often look official with IRS logos or brackets around “IRS” and include a link urging recipients to confirm personal details. The IRS said these messages are fake and that they do not communicate through text, email, or social media for stimulus payments or tax-related matters. Delete; do not click links. Distinct from Issue 7’s $2,000 tariff-rebate texts and the generic “2026 stimulus” board row — this is the $1,400 figure in the Sep 27 wave. Leave stimulus dollars blank — there is no matching IRS stimulus disbursement announced for that text.
Dead

“Your tax refund was processed / approved — click to verify SSN / bank”

Ad: “Your tax refund claim was processed / approved — click this link to verify identity and send the money.” FTC (Jan 22, 2026): texts/emails that look like the IRS or a state tax office saying a refund was “processed” or “approved,” then asking you to click a link and enter SSN / bank, are phishing. Real IRS and state tax offices will not reach out by text, email, or social media to get your information. Check refund status via USA.gov guidance, not the message link. Report junk / forward texts to 7726; tell the FTC at ReportFraud.ftc.gov. Same FTC alert as Issue 10; kept here because it is the parallel pitch to the Sep 27 stimulus texts.
Dead

Unsolicited “IRS” text that asks for personal, financial, or tax-account info

Ad: Any unexpected text that claims to be the IRS and asks for SSN, bank, PIN, password, payment, or account numbers. IRS: Text messages from the IRS: the IRS only texts about certain services when you opt in; they never text to ask for personal, financial or tax account information, payments of any kind, PINs, passwords, or account numbers. Opt-in service short codes include 91040 (TAC appointments / news bulletins) and 34381 (customer callback reminder). An unsolicited stimulus / refund / payment text is not an opt-in service message. Leave any “processing fee” blank.
Dead

“Tariff refund / rebate check ready — claim by text” (still circulating)

Ad: “Your tariff rebate / refund check is ready — claim now by text/link.” Still Dead as in Issues 2 and 7: H.R.7865 was introduced Mar 9, 2026 and referred to Ways and Means — introduced is not enacted; no IRS/Treasury household tariff-rebate disbursement exists from that bill alone. Paired here with the Sep 27 stimulus-text warning because agency-looking payment texts remain the pattern. Leave rebate dollars blank.