My return was accepted 02/13...e-filed with direct deposit requested. Still have not received refund, just says that it is pending with IRS. Does this mean audit?

Mine was accepted feb 10, I did mine Jan 17, haven't received nothing from taxes or stimulus checks, I did see some videos that if you owe collection agencies they were going to take it from there which I don't even think that's allowed with out your consent. Their saying to just wait but it's B.S like this is ridiculous, ppl that filed last minute already got their money, I always do my taxes and pay what is owned but it is what it is

The IRS does do some mini audits that can slow refunds. However, this year, there are some delays that we were warned of ahead of time. If your refund included earned income credit, additional child tax credit, or stimulus, your refund is expected to be delayed. See Why is my IRS refund taking longer than 21 days?