You missed an important detail about the refund advance. The money is not issued until your e-file has been accepted by the IRS. The IRS will not begin to accept/reject e-files until January 26. Watch your emails to find out sometime on or after 1/26 to see if your e-file was accepted.
**Disclaimer: Every effort has been made to offer the most correct information possible. The poster disclaims any legal responsibility for the accuracy of the information that is contained in this post.**