How is there anyway to get this IRS rebate?

Recently, I've been trying to stop these payday loan companies from hitting my account. But my bank(BoA) won't do anything about it. The branch manager forwarded my story to their fraud department and they said I signed an agreement with them and there's nothing they can do, except wait for 90days, close the account and send me a bill for the negative balance. I'm so frustrated with this, my checking account balance is at -$911. I refuse to put any of my hard earned money into this account, which is why I opened a new account at a new bank. I've sent cease and desist letters to all of them and they are still debiting every 2 weeks.

Now with this rebate coming in, it's going to be direct deposited into this defunct account, wiping $600 off the $-911+. Therefore, I won't see any of it. I guess it's too late to get it reversed, as the IRS said it's too late. I had no clue this would all happen to me, or I would of called the IRS for a paper check months ago.

With my house in foreclosure and a few bills left to pay, this $600 would work miracles for me. Will I ever see this $600? Am I really gonna have to pay the negative balance once the account is closed? Thanks!