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After you file
Join the party. That is their modus operandi. Been trying since 2020 to get my refund. I pulled up my return on the computer just to double check routing numbers and, low and behold, at the end of the return I discovered a contract that says refund specifically to be deposited to my personal bank account. I printed it out because that wasn't included in the printout I did for my records, and, unfortunately, I didn't know about it when I wrote to several agencies. Sent a copy to the Financial Services Bureau of the IRS that did a tracer on where the funds supposedly are which listed a Green Dot Bank number which I am told is nonexistent and also unable to access their automated phone system there & with Santa Barbara Tax Products Group. Awaiting the Bureau's response. Maybe you might want to pull up return and check the end for same info.