Be careful about assuming it's just a normal delay. I had a similar situation last year where my 846 code showed but no deposit came. Turned out there was an offset I didn't know about - the Treasury took part of my refund for an old student loan. You might want to call the TOP (Treasury Offset Program) at 800-304-3107 to make sure this isn't happening to you, especially if the delay continues beyond tomorrow.

Last year I was in exactly this situation with Credit Karma. Had an 846 code for March 22nd, but nothing showed up until March 24th. What was weird is that when it finally appeared, the transaction was backdated to the 22nd even though I'd been checking multiple times a day and it definitely wasn't there before! So don't be surprised if when yours does show up, it looks like it's been there since the 26th. Credit Karma has some quirky ways of displaying deposits sometimes.

I work with tax clients and see this frequently. Check the IRS2Go app for a different view of her status - sometimes it shows more info than the website. Also, according to IRS.gov/refunds, they're still processing some returns from early 2023 due to staffing shortages. If it's been more than 9 months, you definitely qualify for Taxpayer Advocate help, which you can request online at taxpayeradvocate.irs.gov.

I experienced an 11-month delay for my daughter's first return. Per Internal Revenue Manual 21.5.6, first-time filers often undergo additional verification procedures that can add 120-180 days to processing time. In our case, her return was stuck in the Income Verification Program (IVP) due to her college reporting scholarship income differently than she reported it. Once we identified this through her transcript and provided documentation, the refund was released within 3 weeks.

I had exactly the same situation last month! My SBTPG showed a date of 02/06/2025, and I received my funds exactly 2 days later on 02/08/2025 at 9:42am. The timing was precisely 48 hours from when the date appeared in my SBTPG account. If your experience is similar to mine, you should see your money on 03/05/2025.

Is this a refund advance or did you get your refund through a tax preparer? SBTPG usually only gets involved when there's a third-party preparer who offered you a refund transfer product. Did your tax advocate mention anything about potential fees being taken out? Have you checked if the amount showing in SBTPG matches what you were expecting from your hardship release?

I was in EXACTLY the same situation on February 12th this year. Had my 846 code but my "5 days early" refund was nowhere to be found. Tried calling my tax preparer but was on hold for 1 hour and 45 minutes before giving up. Finally used Claimyr (https://www.claimyr.com) to get through to the IRS directly. They confirmed my refund was actually sent on the 846 date (not 5 days early) and that my tax preparer should have explained this better. Called the preparer again using Claimyr and got through in 20 minutes - they fixed it same day.

These "5 days early" options are basically marketing gimmicks. I fell for it last year. What they don't tell you is it's actually a loan against your expected refund, not your actual refund arriving early. My experience: I had an 846 date of 3/17, opted for the "early" refund, and got absolutely nothing until 3/19 - two days AFTER my scheduled date. When I called to complain, they said the advance was "declined" but never bothered to tell me. Then my actual refund came through normal IRS channels. Check your tax prep paperwork carefully. There should be a separate disclosure about the refund advance with specific terms.

I've been tracking this issue across several forums (taxact.com/community and r/tax) and it appears TPG is experiencing system-wide delays in status updates. According to downdetector.com, there's been a 37% increase in TPG-related issues in the past 48 hours. When I faced a similar situation last month and couldn't get answers online, I used Claimyr (https://claimyr.com) to reach an actual IRS agent who confirmed my refund was already sent despite TPG showing unfunded. The agent explained that third-party processors add an extra layer that the IRS has no visibility into once they release the funds. Saved me days of stress wondering if my refund was lost somewhere!

Just to clarify a few things about how this process works: Step 1: IRS approves your return and assigns a Direct Deposit Date (your 2/23) Step 2: IRS sends funds to TPG (not directly to your bank) Step 3: TPG deducts any fees you authorized (TurboTax fees in your case) Step 4: TPG forwards remaining amount to your bank Step 5: Your bank processes the deposit (can take 1-2 business days) The confusion happens because TPG's status updates don't always reflect real-time processing. Their system often batches updates, so you might see "unfunded" even after they've received and processed your refund. I completely understand the frustration - it's like tracking a package that shows "in transit" even after it's been delivered to your doorstep.