🛡️ Scam vs Real

Real vs Fake Business Filing Notices
How to Spot the Scams

Most letters titled "Annual Report Filing Reminder" are not from your state. They\'re from private companies that scrape new business registrations and charge $100 to $300 for filings the state itself does for $20. The Pierce Atwood law firm, California Secretary of State, and Florida Division of Corporations have all issued public warnings about them.

Side by side

The visual differences are deliberate. Scam mailers borrow the look of a state notice on purpose. Here\'s what separates a real one from a fake one.

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Scam mailer

  • Title: "Annual Report Filing Reminder," "Annual Report Instructions," "Compliance Notice."
  • Sender: Generic name like Corporate Processing Service, Workplace Compliance Services, Annual Business Services. No state seal.
  • Return address: Private P.O. Box, often in Sacramento, Wilmington, or Tallahassee — close to a real state capital.
  • Fee: $100 to $300, payable to the private company.
  • Urgency: "Immediate Action Required," "Time Sensitive," "Do Not Discard."
  • Fine print: Usually states explicitly that this is not a government document, in small type.

How the scam works

Business formation records are public. When you register a new LLC or corporation, your name, address, and formation date go into a public state database. List brokers scrape these daily and sell the list to direct-mail operators.

The mailer arrives 30 to 90 days after formation, before you\'ve seen any real state correspondence. It looks official enough to confuse a new owner who has no baseline for what an actual state notice looks like. You pay $200 to a company that may or may not actually file the paperwork. Either way, the state\'s real fee was $20.

Even when the third party does file the report, you\'re paying a 10x markup for something you could have done yourself in 10 minutes through the state portal.

Red flags to check before paying

If any of these apply, it\'s a mailer, not a state notice

  • Fee is over $100 for a routine annual report. State fees for routine annual reports rarely exceed $100. Massachusetts and Delaware franchise tax are the main exceptions.
  • Payment goes to a company name, not the state. A check made out to anything other than the Secretary of State, treasurer, or department of revenue is going to a private company.
  • Sender has no state seal or official letterhead. Real notices look like government documents because they are.
  • Letter directs you to a third-party website. Filing portals are always state-run: sunbiz.org, bizfileonline.sos.ca.gov, sos.state.tx.us.
  • Fine print disclaims being a government document. Required by FTC, almost always present on scam mailers. Look for small text saying "this is not a government agency."
  • Postage paid by sender with bulk-mail indicia. State notices arrive first-class or as a postcard, not bulk mail.

What to do if you already paid one

  1. 1
    Dispute the charge with your bank or card issuer. Frame it as deceptive billing. Many issuers reverse these on the first call.
  2. 2
    Check the state portal for your actual filing status. Sometimes the company files the report (with the markup), sometimes they don\'t. If they didn\'t, you still owe the real state fee.
  3. 3
    Report the company. File a complaint with your state attorney general\'s consumer protection division and the FTC at reportfraud.ftc.gov.
  4. 4
    Set a real reminder. The reason these mailers work is that owners don\'t already know their real deadline. Once you do, the letter becomes obvious junk.

The reminder is the immunity

When you already know your annual report deadline and the real state fee, the scam letter loses its grip. You don\'t need to read it carefully or guess whether it\'s legit — you\'ve already got the date on your own calendar. See annual report deadlines by state for the real dates and fees, or return to the business filing reminders guide.

Set the real deadline once. Stop reacting to mailers.

Create a Reminder

Done in seconds. No sign-up required.

Common questions about business filing scams

I got a letter titled "Annual Report Filing Reminder." Is it real?

Probably not. The most common scam mailers use exactly that title because it sounds official. Real state notices come from the Secretary of State or Division of Corporations and reference your actual state by name. Scam mailers usually come from a private company with a generic name like "Corporate Records Service" or "Annual Business Services" and quote a fee 5 to 10 times what the state charges.

How much does it actually cost to file an annual report?

State annual report fees range from about $9 (New York biennial) to $300 (Massachusetts and Delaware LLC franchise tax). Scam mailers commonly demand $100 to $300 for filings the state itself does for $20 to $50. If a "service" is charging significantly more than the state's published fee, you're looking at a markup, not a state notice.

What are common scam company names sending fake business filing letters?

Names that have been flagged in public warnings include Corporate Processing Service, Corporate Records Service, Workplace Compliance Services, Annual Business Services, Business Filings Division, Compliance Services, and similar generic-sounding variants. These names rotate often. The pattern matters more than the specific name: official-looking masthead, vague company identity, fees in the $100–$300 range.

I already paid one of these letters. What can I do?

Contact your bank or credit card company immediately to dispute the charge as deceptive. Report the company to your state attorney general's consumer protection division and the FTC at reportfraud.ftc.gov. Then check directly with your Secretary of State that the actual filing was completed — sometimes the scam company does file the paperwork (with the markup), sometimes they don't and you still owe the real state fee.

How does an official state notice arrive?

It depends on the state and what you signed up for. Florida emails a Sunbiz reminder if you registered an email. California mails a postcard to your registered agent address. Pennsylvania mails notices starting 2025. Several states send nothing at all. No official state notice will demand payment to a private company's P.O. Box — payment always goes to the Secretary of State, treasurer, or department of revenue.

Why do scammers know my business was just formed?

Business formations are public record. When you file Articles of Organization, your name and address go into a state database that anyone can search and bulk-download. List brokers harvest new filings daily and sell the list. That's why scam letters often arrive within 30 to 60 days of forming — your filing showed up on the new-businesses list.

How do I avoid these letters in the future?

You can't fully stop them, but you can stop reacting to them. Set your own reminder for the actual state filing date, paid directly to the state at the state's real fee. When a "filing reminder" arrives in the mail, you already know your real deadline and the real fee. The official-looking envelope becomes recognizable as a mailer, not a notice.

Set the Real Deadline, Ignore the Scam Letters

Free, no account. Once you know the actual date, the fake notices stop working on you.

Set My Filing Reminder

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