When will I get my refund?

I know RAL's are a rip-off, but I need money for bills ASAP so I applied for one through Chase and this was my response:

We regret that we are unable to approve your request because after reviewing your tax return, including the income and credits that you claimed, we believe that it is possible that your refund may be delayed or reduced. We have opened your Bonu$ Deposit Account for the receipt of your anticipated refund as agreed. Should we receive the direct deposit of your tax refund, we will disburse these funds in accordance with the terms agreed upon in your Application with us.

I have no idea what this means. What is a bonus-deposit account and why did they open one for me? I have never had a problem with my taxes in the past, I don't owe the governement any money, and I am confused as to why they say my refund could possible be reduced. Help!

There is a number you can call to determine if your income tax refund will be offsetted by any number of collectors, including child support and student loans. The number is 1-800-304-3701. Good luck.

for people that dont know a RAL is a Refund Anticipation Loan. If you filed electronically your return would probably have been rejected if there are significant problems with it. Im not sure what the bank set up for you or what you agreed to in your RAL deal, you should review the paperwork you received with it to check.

Electronic returns are processed faster than paper returns and direct deposits refunds are faster than paper checks. Depending on the combination of them, it could be 2-3 weeks to 4-6 weeks for the slowest options.

The potential problems with a return could be if one of your dependant's Social Security numbers is incorrect, you have a significantly high percentage of deductions in comparison with your income, or a missing W-2 for withholding credit. It can be any of these or lots of other things, but those are the most common.