My tax firm used their services, this years while Irs send them the refund to have fees taken out and the remaining balance placed on a debit card on the customer behalf. They have claimed to have lost the clients application, mean while the IRS has deposited client refund in this bank for at least a week now and Refund Advantage REFUSE TO RELEASE THE MONEY THRU A MANUAL PROCESS. Their customer services agents has been poorly trained , because they are rude and of no help!! Every question I asked they are not able to answer. Conference call last 2 hours on top of holding for 1 hour . I will surely be looking for another service provider for next year . The IRS need to intervene on behalf of the tax payers because this is sure stealing