If I understand you correctly, you believe that part or all of your refund was withheld inappropriately as a result of using a RAL (refund anticipation loan).

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If a return is a nullity but the taxpayer received a refund anticipation loan for the correct amount of his refund (minus normal preparation fees), does the taxpayer receive another refund when his true return is filed?

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Horse established a refund anticipation loan (RAL) account at a financial institution for that client that allowed him to issue a bank check prior to the refund being received from the IRS. Prior to transmitting the return to the Service, Horse increased the charitable contribution amount on the Schedule A without his clients knowledge in order to increase the refund received from the Service.

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