Yes, actually, tax liability of $0 and total withholding exceeding $10,000 is a direct deposit reject and the IRS will automatically pay out a check in this instance. This withholding is likely the source of your refund, causing the reject.
It's Direct Deposit Reject 44. You can find that information HERE .
No need to call the IRS on this one - you can have that time back in your day for much more pleasant things!
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