First Century Bank

First Century Bank is falsifying my information when it comes to approving/denying my refund advance loan. Being that I’m extremely technical; The letter they sent me says I owe the irs a debt….I don’t I’ve checked with them previously 3 times! I owe NYS taxes from UI but they already deducted it from my refund(which I’m still getting over $1000 after the deduction)so I’m really confused as to how they got my federal and state mixed up…but it’s falsifying my information and that is illegal. I asked the lady on the phone how was my refund denied on 1/23 when my FEDERAL return wasn’t accepted until 1/24??? Anyone have an answer for this?