HI. I am so sorry this is happening. While the IRS has no rule that says a refund cannot be deposited into an account without your name on it, most banks have fraud prevention measures in place that will not allow this. If your refund went into another person's account and the bank did not reject it you will have to work directly with the bank. Here is what the IRS has to say:
"You incorrectly enter an account or routing number that belongs to
someone else and your designated financial institution accepts the
deposit. You must work directly with the respective financial
institution to recover your funds. See the last solution bullet below."
"If funds aren't available or the bank refuses to return the funds, the
IRS cannot compel the bank to do so. The case may then become a civil
matter between you and the financial institution and/or the owner of the
account into which the funds were deposited."
Please see this IRS article for more information:
https://www.irs.gov/help-resources/tools-faqs/faqs-for-individuals/frequently-asked-tax-questions-an...
