Refund Anticipation Loan?

so i filed my taxes for the first time this year and i dont know what went wrong. i used turbo tax and everything went fine.then i got an email from santa barbra bank & trust saying they're going to send me a Refund Anticipation Loan . i got that in the mail and my dad said not to cash it! that it has high interest rates and what not . this was in feburary. i still didnt get my REAL refund in the mail. i called the IRS and they said i have to contact that bank but theres no phone number! is it possible that they stole my check? please help!