I will have to try calling again later, I just tried calling now and didn't get anywhere. Just automated options and ended up at the dead end with no person to ...

This sucks.

Regular personal bank account, I use it all the time for basically everything

Yes, that's why I am very confused as to what is going on

I did not choose to pay anything out of my refund. The bank says they don't even have the information or anything that was sent over to them a few days ago.