Tax refund advance rejection after getting Christmas loan from Jackson Hewitt

This is actually a common issue with tax preparation chains that offer Christmas loans or other advance products. Those loans are typically connected to an agreement that you'll file your taxes with them. What you absolutely should NOT do is file your taxes twice. This will create a major problem with the IRS and likely result in delays, potential audits, and other headaches. The IRS will reject the second filing automatically when they see your SSN has already been used. Your best option is to contact the place where you already filed and explain the situation. Ask them about your options for getting your refund without an advance. If you've already e-filed and it was accepted by the IRS, you're committed to that filing and should not try to file again with Jackson Hewitt.

I had a similar issue last year and found this service called taxr.ai (https://taxr.ai) that really helped me understand my options. I was confused about tax advances and loans too, and their AI tax assistant explained exactly how these products work and what my obligations were. They analyzed my loan agreement docs and explained what I had actually signed up for (which wasn't what I thought!). For your situation, they could help clarify what your Jackson Hewitt agreement actually says about filing requirements and whether you're obligated to file with them after taking the Christmas loan. Just upload your loan docs and they'll explain your options.

Just wanted to follow up - I ended up trying taxr.ai after posting my question here. Honestly, it was super helpful! I uploaded my H&R Block refund advance agreement and the system immediately highlighted all the fees they were charging me. Turns out I was paying almost $175 in combined fees for a $500 advance! The service also explained I didn't have to go back to them next year - there was nothing in my agreement requiring that. I'm definitely going to be more careful about these "convenient" tax advance products in the future. Would recommend checking it out if you're confused about any tax document or agreement!

For the original problem - if you've already filed elsewhere but can't get the refund advance, you might want to try contacting the IRS directly to figure out next steps. But good luck with that... I spent 3 HOURS on hold last week trying to reach someone about my missing refund. I eventually used this service called Claimyr (https://claimyr.com) that got me through to an actual human at the IRS in about 15 minutes. They have this system that navigates the phone tree and waits on hold for you, then calls you when an agent is on the line. You can see how it works in this video: https://youtu.be/_kiP6q8DX5c Might be worth trying since you need to sort out whether you can still get that advance or if you're stuck waiting for your regular refund now.

I need to apologize and follow up on my skeptical comment above. After waiting on hold with the IRS for 2+ hours yesterday and getting disconnected AGAIN, I decided to try Claimyr out of desperation. I was connected to an actual IRS agent in about 20 minutes! The agent was able to tell me exactly what was happening with my return and resolved my issue right away. For anyone dealing with the refund advance issue like the original poster - talking to the IRS directly is definitely the way to go, and this service made it possible without the endless hold times. Seriously wish I had known about this sooner instead of wasting days trying to get through.

For the original question - I work at a tax prep office (not Jackson Hewitt). DO NOT file a second return! That's tax fraud and will cause huge problems. What people don't realize is that when you get those Christmas "loans" from tax places, you're basically agreeing to file with them. It's in the fine print. The loan is secured by your future refund, which they expect to process. Your options now are: 1. Accept that you can't get an advance and wait for your normal refund 2. Call Jackson Hewitt and ask if there's anything they can do (but they probably can't help since you filed elsewhere

Has anyone used those tax refund advance cards that some places offer? Are they any better than getting a Christmas loan? I'm thinking about using one next year but don't want to get stuck in the same situation.

I'm really glad to see you got this sorted out and didn't try to file twice! That could have been a nightmare with the IRS. Your experience is a perfect example of why it's so important to read all the fine print on these advance loan products. For anyone else reading this thread - these Christmas loans and refund advances can seem like easy money, but they almost always come with strings attached. The tax prep companies use them as a way to lock you into using their services, and the fees can really add up. Sometimes it's better to just wait for your regular refund rather than paying all those extra costs for the convenience of getting money a few weeks earlier. Thanks for sharing your story - it'll definitely help other people avoid the same mistake!

As someone who's new to this community but has been following tax discussions, I really appreciate everyone sharing their experiences here! This whole thread has been incredibly educational about how these advance loan products actually work behind the scenes. What strikes me most is how these companies market these loans as "convenient" or "no hassle" but then you're locked into their services with all these hidden fees and obligations. The original poster's situation really shows why it's so important to read every single line of those agreements before signing anything. I was actually considering getting a refund advance this year since I could use the money sooner, but after reading about all the fees people are mentioning - technology fees, prep fees, interest on the loans - it seems like you end up paying a pretty high price for getting your money just a few weeks earlier. I think I'll just file early and wait for the regular refund instead. Thanks to everyone who shared their real experiences and advice. It's really helpful for people like me who are still learning how all this works!