RAL Bait and Switch
According to a former employee of Instant Tax Service, the company enticed potential customers with promises of refund anticipation loans (RAL’s) to get them to file their taxes using the company’s services. Customers who applied for RAL were routinely told that they did not qualify for the loan but were forced to file their taxes with Instant Tax Service.
more info:
http://www.classactioncentral.com/2011/03/consumer-complaints-instant-tax-service-fraudulent-denials-of-refund-anticipation-loans/