After you file

So after about 5 days of back and forth, I finally got the denial letter resent from FCB. It is total crap. They claim in the letter the irs informed them that I MAY have my refund adjusted to pay some outstanding balance.  I have never had my tax refund adjusted, I don't owe the IRS any money. That is one of the freaking questions they ask you when you do your taxes. Anyone MAY have their refund adjusted, it just means it is a possibility. This is a lame excuse to not have to actually give the refund advance. The whole thing was a scam to get people to sign up for Credit Karma Money.