Called SBTG Number - Says Payment Sent But Website Shows $0.00

This is like watching a movie where the ending is spoiled but you still don't know how they got there. I had something similar happen with my refund last month - phone system said one thing, website said another. In my case, the money showed up about 36 hours after the phone system said it was sent. The systems don't talk to each other in real time, so the website is probably just lagging behind. If the phone system says it's been sent, that's usually the most up-to-date info.

Have you checked your bank's pending transactions? According to the IRS.gov FAQ section, there can be a 1-3 business day delay between when they initiate the transfer and when it posts to your account. The 0.00 amount is usually what shows when the payment is in transit.

Called my bank. Nothing pending. Called SBTG again. Same message. Website still shows funded. No deposit yet. Very confused. Will update tomorrow.

I went through this exact nightmare last year - phone said sent, website said funded with $0, bank said nothing pending. I spent 3 days trying to reach an actual IRS agent through the regular number and kept getting disconnected. Finally used Claimyr (https://claimyr.com) and got through to someone in about 15 minutes. The agent confirmed it had been sent but explained there was a routing number typo that was causing the delay. Without talking to an actual person, I would've been waiting forever for money that wasn't coming to the right account.

Have you received any notices from the IRS? According to Publication 5, "Your Rights as a Taxpayer," the IRS must provide written notice if they make any changes to your expected refund amount. Did you have any tax debts or other federal offsets that might explain the $0.00?

Have you tried checking your transcript instead of just the SBTG site? Sometimes the transcript will show a code 846 with the actual refund date even when the SBTG site is showing weird info. You can access it through the IRS website under "Get Transcript Online." Did you verify that the bank account info on your return was correct?

What's concerning here is the discrepancy between the telephonic disbursement status and the digital portal indication. This can sometimes indicate a systemic reconciliation lag in the Integrated Financial System (IFS) that the IRS uses. Have you verified if there were any TC 898 codes (refund offset indicators) on your account transcript that might explain the $0.00 amount?