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I'm sorry to hear that you don't have your tax refund, yet.
You can also call the following phone number: 800–829–1954
Also, if the bank account on your tax return was wrong the IRS will be able to intercept the money and send you a check by mail
Have you check the IRS website to make sure they processed your tax return -----> http://www.irs.gov/individuals/article/0,,id=96596,00.html
One more question, the address on your tax return is the correct address? many times the IRS will mail the check when the account number is XXXXX