Paying with Debit/Credit card or using Refund for fees.

I'm curious. A lot of you are saying you didn't receive all of your tax refund. Did you pay your tax bill or fees with your refund? I know I have always tried to pay directly with my credit/debit card if I owed anything. That is the only reason I can think this third party is getting involved if you are using your refund to pay the amount you may owe. Just curious. I haven't filed my taxes yet and I want to find out for sure if it is either option that this problem is occurring.