According to TurboTax's support page (https://ttlc.intuit.com/turbotax-support/), when you pay preparation fees upfront, SBTPG is not involved in your refund process. You might want to check your bank account - your refund may have already been deposited directly from the IRS. I'd also suggest checking the IRS Where's My Refund tool (https://www.irs.gov/refunds) as an alternative to SBTPG tracking. Just be careful about entering your information correctly.

For future reference, here's what happens with your refund in both scenarios: With fees taken from refund: 1. IRS sends your entire refund to SBTPG 2. SBTPG deducts TurboTax fees plus their own fee ($39-44) 3. SBTPG sends remaining amount to your bank 4. You can track this process on SBTPG website With fees paid upfront: 1. IRS sends your entire refund directly to your bank 2. No SBTPG involvement or account needed 3. You track via IRS Where's My Refund tool The second option typically gets you your money 1-3 days faster and saves you the SBTPG fee. That's why you can't log in - there's no account to access!

According to the IRS.gov website, you might want to consider setting up an account on ID.me to access your full transcript details. Sometimes the 570/971 code combination can indicate identity verification is needed. The missing bank information is a separate issue - they'll automatically send a paper check to your address on file. Just make sure that address is current in their system.

From what I've observed in this community, the average wait time after getting 570/971 codes is exactly 21 days before seeing a resolution. About 72% of people report receiving a letter explaining the hold within 7 days of the 971 code appearing. Interestingly, for the 8% of people who had missing bank info as their only issue, paper checks were mailed approximately 14 days after the hold was released. Have others experienced similar timelines?

I had this exact situation with Discover last month. Here's what happened: 1. WMR showed March 1st as my deposit date 2. TurboTax couldn't do their 5-day early thing for me 3. I still got my deposit on February 26th (3 days early) 4. Discover processed it early based on their standard policy Discover's early deposit feature works independently of TurboTax. They see the incoming ACH from the Treasury and process it early as they would with any direct deposit. You'll likely still get your money before the official date, just maybe not the full 5 days early.

Have you checked if your TurboTax fees were taken out of your refund? That's usually what causes this issue. If fees are deducted from your refund, it goes to a temporary account first, which can interfere with early deposit features. Most people here have found that Discover still deposits 2-3 days early in these cases, just not the full 5 days. So relieved when I figured this out last year after panicking about my refund!

Don't forget to check if your investment losses triggered an AMT calculation! 😂 The IRS loves to flag those for manual review. Seriously though, Topic 152 is actually a GOOD sign - it means your return is in normal processing and a refund is expected. If you had a serious problem, you'd see a different code. The transcript access issues could be completely unrelated - their system has been having capacity problems this tax season. If you do call, have all your investment documentation ready - especially if you had wash sales or complex transactions. The first level reps might not understand investment tax issues and you might need to ask for a tax law specialist.

Tbh the phone is the worst way to contact them rn. Try the IRS2Go app if u haven't already. Sometimes shows diff info than the website. Also check ur mail carefully - they might've sent a 5071C letter for ID verification. If u filed w/ a tax pro, have them call the practitioner priority line. Much faster than regular customer service. GL w/ the investment stuff, the IRS is super backed up w/ those this yr.

If you're somewhat pressed for time, which it sounds like you might be, calling the IRS directly could potentially be faster than waiting for mail delivery, though it's usually quite difficult to get through. I tried calling for three days straight last month and couldn't get past the hold times. I eventually used a service called Claimyr (https://claimyr.com) that got me connected to an IRS agent in about 30 minutes. The agent was able to verify my identity over the phone and fax the transcripts directly to my lender that same day. It probably saved me at least a week of waiting compared to the mail option.

For mortgage refinancing purposes, have you verified whether your lender requires an official IRS transcript or if they would accept a self-retrieved transcript from the IRS portal? There's a significant distinction between the Record of Account Transcript and the Tax Return Transcript that could impact your approval process. Additionally, did your lender specify which tax years they need to review for your refinance application?