I had a similar issue a few years ago…….I filed with h and r block and did a RAL, the money didn’t come in the 1-2 days so I got on the phone…..Turns out the feds took my money because i had a School loan in default, it was a fed loan though…..Since then I have done a little research and from what I understand only federal or state agencies can touch your refund, not just anyone.

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