Unbelievable ... you got an advance on your refund and failed to pay it back because they did not know how to pay it back ? The instructions on how to do it was in the legal agreement you signed ... all you had to do was look at the contract. I am sure they tried several times (mail/email/phone) to get you to pay it back since writing off the debt years later is the last resort for any bank/CC company ... this is not what they want to do ever.
