After you file

According to my federal and NJ state tax returns, I should have had $435.02 deposited in the Credit Karma debit account that you issued.  I checked my balance this morning and, after using $69.92 for one transaction, my balance is $203.06.  My calculations show that I should have an additional $231.96 in that account.  Please itemize for me and explain where the balance of my refund can be expected.