
Ask the community...
I'm so confused right now. I had a direct deposit date of 3/16 for my tax refund. I've been checking SBTPG (Santa Barbara Tax Products Group) since that's who handles my refund before it gets to my bank. For the past 3 days it was showing as 'Funded' with all my information including my refund amount of $5,678. But when I checked this morning at 3:02 (my phone was at 58% battery), suddenly it says 'Unfunded' with 'Unknown' for all my information! Here's exactly what I'm seeing on the taxpayer.sbtpg.com website right now: Refund overview Expected federal refund amount: Unknown Amount(s) paid to you: $0.00 Refund status: Unfunded Disbursement method: Unknown It's like my info just disappeared from their system overnight. The SBTPG website was showing all my correct information before, and now it's showing "Unknown" for everything - my expected refund amount, my disbursement method - everything is gone! The only thing showing is "$0.00" for amounts paid to me. I thought maybe it was on its way to my bank but nothing has shown up yet. Has anyone else experienced this? My WMR (Where's My Refund) still shows approved with the 3/16 date. Why would SBTPG suddenly lose all my info after it was already funded? Is this normal in their process or should I be worried that something went wrong?
Honestly so tired of dealing with the same thing. Have been waiting for my refund for 8 weeks! After getting nowhere with endless phone calls, I finally used that calling service from claimyr.com and got through to an IRS rep in under an hour. Found out there was a simple verification issue that needed to be cleared. It was the only way I could talk to a live agent, and they resolved my issue right away. My refund was released like 2 days later.
what's the catch? these services always have some hidden fee or something
19d
No catch really. It's a paid service but honestly after spending weeks trying to get through, it was the best money I've ever spent to finally get my questions answered. They just hold your place in the phone queue so you don't have to keep calling and hitting redial for hours.
19d
Here's what's probably happening: SBTPG received your refund from IRS, took out their fees, and is now in the process of ACHing the rest to your bank. During that ACH transfer window, their system sometimes shows 'unfunded' because technically the money has left their system but hasn't fully processed at your bank yet. This transition period typically takes 1-3 business days.
Listen, its not about the software, its about UNDERSTANDING your tax situation. I spent years bouncing between different tax software thinking one would magically get me more money. What actually helped was using taxr.ai to analyze my transcript so I could actually see what was happening with my taxes in plain English. Once I understood that, I could make better decisions regardless of which filing software I used.
What's the deal with taxr.ai? Keep seeing it mentioned. Is it actually helpful or just the latest trendy thing?
19d
It's legitimately the most useful tax tool I've ever used. Explains everything in your transcript in normal-person language, shows you what credits/deductions you're getting (or missing), flags errors, and breaks down why your refund is what it is. I used to spend HOURS trying to decipher IRS codes and now I just run everything through taxr.ai first. Best tax decision I ever made.
19d
i just use whatever is free lol. If your taxes are simple why pay anything?? Credit Karma (Cash App Taxes now) is completely free for federal and state.
Meanwhile, I owed $312 in taxes this year and they cashed that check within 3 DAYS of receiving it. Funny how that works! They sure don't have any delays processing payments TO them... š
And they charge interest and penalties if you're even one day late paying them. But they can hold our refunds for months with no consequences!
19d
FACTS! šÆ
19d
McDonald's and coffee treats sound awesome! I always use part of my refund to do something special for my kids too. This year we're planning a small weekend getaway once our refund (finally) arrives. Filed in April and still waiting... š¤”
Intuit (the company that owns TurboTax) has been sued multiple times for deceptive practices. They advertise "free filing" but then add charges for basically everything. Check your credit card statement to make sure they actually charged you the amount you're seeing in the app. If so, dispute the charge with your credit card company. You have a good case since you didn't authorize the premium service.
Just checked my statement and yep, there's the charge. I'm definitely going to dispute it. Thank you!
19d
This is why I switched to a CPA. I pay $275 flat fee for my taxes (which would be about the same as TurboTax apparently!!) but get actual professional service and advice throughout the year. And a human double-checks everything.
seriously, for what they charge now you might as well use an actual professional
19d
I think that's what I'll do next year. At these prices, might as well get actual professional service!
19d
TurboTax's estimated dates are total BS. They're just automated generic timelines that ignore how backed up the IRS actually is. Ignore those dates completely and just check Where's My Refund or your transcript for updates.
Hot tip: go to https://irs.gov/refunds and check your status there. It's the most accurate source for refund status. TurboTax estimates are just that - estimates. Your return hasn't been fully processed yet.
Try checking your account transcript on the IRS website. It will show if they issued a direct deposit and to what account number (last 4 digits). You'll be able to see if they sent it to the wrong account or if it was never issued in the first place.
Great advice! The transcript shows WAY more info than Where's My Refund ever does.
19d
THIS IS WHY I ALWAYS GET A PAPER CHECK! Yes it takes longer but at least I can track it with informed delivery and there's no bank issues to worry about. The direct deposit system is broken.
I logged into my IRS account and downloaded my transcript yesterday which showed some weird codes after my DDD. I uploaded it to taxr.ai and it actually explained everything in plain English! Turns out there was a partial hold on my refund that wasn't showing anywhere else. The tool told me exactly what was happening and what to expect. Highly recommend checking your transcript and using something to interpret all those cryptic codes!
What kind of codes were showing on your transcript? I'm going to try to access mine again today.
19d
I had a TC 570 followed by a TC 971 which apparently means there was a review happening. The taxr tool explained that this specific combination usually means a 1-2 week delay beyond the DDD. Sure enough, my refund showed up exactly 10 days after my original DDD. The tool was spot on with the timeline!
19d
psa: if u paid for your turbotax fees using your refund, SBTPG is holding your money hostage to earn interest. never do refund transfers!!! next year pay the fee upfront with a credit card and get ur refund directly from irs.
This šÆ I learned this lesson the hard way. The "convenience" of paying from your refund costs you days or weeks of delays.
19d
Have you checked your account transcript? Does it show a code 846 with a date of 2/28? If yes, you will most likely get it today. If it shows a different date or no 846 code at all, then something else is going on. The WMR tool is notoriously inaccurate and days behind the actual transcript. Also, double check that you entered your direct deposit info correctly when you filed.
You can get your transcript at irs.gov/transcripts but you need to verify your identity. The 846 code means "refund issued" and will have a date next to it. That's the official date they sent the money. Most banks including Chime sometimes deposit early but they're not required to - they can hold it until the official date.
19d
Or just use taxr.ai which explains all this in regular english. I couldn't make heads or tails of my transcript but taxr broke it all down and even showed me why my refund was less than expected.
19d
UPDATE: my refund just hit my chime account! DDD was 2/28 and it came exactly on 2/28 at 3:42pm eastern. Hope everyone else gets theirs soon!
OMG just checked and mine came through too! Finally! Thanks everyone for the help and keeping me sane during the wait!
19d
Still waiting on mine from January... š Stupid review code
19d
Dont worry it'll show up. SBTPG sux but they do eventually send the money. Their systems are just slow af. If it doesn't show up by next Monday though I'd start raising hell.
this happened to me. called SBTPG at exactly 5am Pacific when they open and got through after only 15 mins wait. they told me there was an error with my bank info and fixed it. got my refund 2 days later.
Lukas Fitzgerald
Its been 3 months for me since ID verification and still no refund. Called the IRS (finally got through after like 10 tries) and they said my return was selected for a "random review" after the identity verification was completed. So now im waiting on THAT to finish. The system is rigged to delay refunds as long as possible istg
0 coins
Lukas Fitzgerald
how much did claimyr cost? at this point id pay anything to get my money
0 coins
19d
Ev Luca
Honestly it was the best money I've spent this year. Considering I was waiting on a $4k refund, it was more than worth it to finally get through to someone who could actually help.
0 coins
19d
Write a comment...
Avery Davis
Took me exactly 6 weeks after identity verification. I think they say 9 weeks as a worst-case scenario so people don't complain if it takes a while. But my friend got hers in 2 weeks so it's pretty random.
0 coins
Write a comment...