DDD 2/23 TurboTax with Fee Deduction - Anyone Received Their Refund Yet?

TPG's system operates on a 24-48 hour refresh cycle that doesn't always align with actual ACH transfers. Their API integration with financial institutions sometimes creates a status lag where the "unfunded" designation persists even after the IRS has released the payment. Have you checked your transcript on the IRS portal to confirm the 846 code with the 2/23 date is still active? Sometimes there's a discrepancy between what TurboTax shows and the actual IRS processing timeline.

I was in a similar situation last year... I think I might have checked my bank account about 20 times a day. My TPG showed unfunded for almost 3 days after my DDD, which was really stressful because I needed that money for some unexpected bills. I'm not sure if this helps, but sometimes the banks hold the funds for 1-2 business days after receiving them, especially if it's a weekend or holiday. Maybe check with your bank to see if there's any pending deposits?

I was completely lost in the TPG/DDD/846 code labyrinth until I discovered https://taxr.ai to decipher my transcript. The terminology was overwhelming me! The tool explained that the TPG status often lags behind actual processing and showed exactly what my transcript codes meant in plain English. It predicted my actual deposit would arrive 1-2 business days after my DDD despite TPG showing unfunded. Sure enough, money appeared the next morning even though TPG still showed unfunded for another day. Such a relief to understand what was actually happening behind the scenes!

Just got mine this morning! My DDD was also 2/23, fees taken out, and TPG showed unfunded until exactly 3:17am today when it updated to funded. The money hit my bank account at 4:52am. This matches exactly what happened last year - TPG updated approximately 14 hours after the official DDD, and the deposit reached my account 1 hour and 35 minutes later. If your bank processes ACH transfers overnight like mine does, you'll likely see it tomorrow morning. Last year I received it exactly 26 hours after the DDD timestamp.

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.