San Jose, CA
March 2, 2025
Subject: Fraudulent Tax Preparation, Forgery, and Financial Misconduct by Mary Ramos (PTIN: P01665538, FEIN: 46-3039035) and Tax Magic
I engaged the services of Mary Ramos in 2020 to prepare my tax return for the 2019 tax year. During this process, multiple discrepancies and fraudulent activities were discovered, leading to severe financial and legal consequences for me. Despite repeated attempts to address these issues, the tax preparer and her associated business have refused to provide assistance and have instead engaged in intimidation tactics.
Unauthorized Changes to Banking Information:
The routing and account number on my tax return deposit information were not mine.
During that period, I had two bank accounts, neither of which matched the information on my tax return.
This suggests that my refund may have been redirected without my knowledge or consent.
Forgery of Signature:
My signature was visibly forged on official tax documents.
When I was finalizing the documents, Mary Ramos falsely stated that I was signing a simple consent form allowing my refund check to be sent to a bank.
In reality, I later discovered that I had unknowingly signed a loan agreement under a joint filing status—despite never being married.
Fraudulent Loan Agreement:
The loan document, issued by Republic Bank & Trust Company, included an unauthorized joint filing status.
The agreement wrongfully indicated that I had applied for an "Easy Advance Loan," which I never consented to or received information about.
The timestamps on the document show that it was printed at one time (when I was in the office) but electronically signed at 3 AM, strongly suggesting that someone else signed on my behalf.
Suspicious and Possibly Fake Tax Forms:
The tax return paperwork provided by Mary Ramos appeared outdated and inconsistent with standard IRS formatting.
Compared to documents from reputable tax preparation firms like H&R Block, her documents lacked IRS form identifiers, copyright information, and proper formatting.
This raises concerns that the forms may have been created using unauthorized or non-IRS-approved software.
Failure to Respond and Avoidance of Accountability:
After discovering these discrepancies, I attempted multiple times to contact Mary Ramos to rectify the situation.
She initially claimed she would fly back to the state to resolve the issue but never followed through or contacted me again.
Despite my continued efforts, I was ignored, leaving me with unresolved financial issues.
Retaliation and Intimidation via Legal Threats:
After leaving a review to warn others about my experience on Yelp, Muhammad Irfan (CEO of Tax Magic) publicly dismissed my claims as false and accused me of defamation.
Shortly after, I received a legal threat from Parker Stanbury LLP, claiming my statements were defamatory and demanding that I remove my review.
I complied with their request; however, they never responded to my inquiries or took any steps to address my legitimate concerns.
Impact of These Issues
Due to the fraudulent handling of my tax return, I have been unable to properly file and receive my tax refunds.
This has caused severe financial hardship, preventing me from securing stable housing for myself and my daughter.
I am now at risk of eviction, a situation that could have been avoided if my tax return had been handled correctly.
Conclusion and Next Steps
The actions taken by Mary Ramos and Muhammad Irfan demonstrate a clear pattern of fraudulent tax preparation, financial misconduct, and deceptive business practices. The legal threats issued against me appear to be an attempt to silence my legitimate concerns rather than address the fraud that occurred.
I am formally reporting this issue for further investigation and will pursue any available legal and regulatory actions, including:
Filing a formal complaint with the IRS Office of Professional Responsibility (OPR) regarding Mary Ramos' conduct.