Which of the following situations could result in a costumer complaint about financial products? a) the costumer has not received their IRS Arefund because the IRS has not released It yet b) the tax preparer provides all information about fees, timing and refund options including the IRS options at no additional cost and allows the costumer to make an informed decision c) the costumer expects $1000 refund from the IRS, but the refund is never sent to JTHF d) the costumer is a returning client who was declined for EA last year so the tax preparer tells them they will probably be declined again and not to bother applying