There is your response. If anyone can ‘refute’ that, they must be mistaken
Here is an excerpt (from St. Alphonsus):
"If Faith alone, however, justifies us, how is it, that the very same Scriptures declare, that it is of no use without works? ‘What shall it profit my brethren, if a man say he hath faith but hath not works? Shall faith be able to save him?’ (James ii, 14); and immediately after he says (ver. 17): ‘So Faith also, if it have not works is dead in itself.’ Luther, to be sure, says, that this Epistle is not canonical, but we believe rather the authority of the Church, which includes it in her Canon. But there are numberless other passages to prove that Faith alone is not sufficient to save us, but that it is necessary also, that we fulfil the commandments. St. Paul says: ‘If I should have all faith, so that I could remove mountains, and have not charity, I am nothing’ (I. Cor. xiii. 2). Jesus Christ commanded his disciples: ‘Go teach all nations to observe all things whatever I commanded you’ (Mark, xxviii, 19, 20). And he said to the young man: ‘If thou wilt enter into eternal life, observe the commandments’ (Matt, xix, 17), and there are many other texts of a like nature. The texts, therefore, adduced by our adversaries, must be understood to refer to that Faith, which, as St. Paul teaches, operates by charity: **‘For in Christ Jesus, neither circumcision availeth anything, nor uncircumcision, but faith, that worketh by charity’ **(Gal. v, 6); and hence St. Augustine says, that Faith may exist without charity, but it availeth nothing. Hence, when we find it said in the Scriptures, that Faith saves us, we are to understand that living Faith, that is, the Faith which saves us by good works, which are the vital operations of Faith, for if these are wanting it is a sign that the Faith is dead, and that which is dead cannot give life."