DDD 3/18 with Credit Karma/Chime - No email, SBTPG shows no account, IRS says refund sent 3/12

This happens pretty often with tax prep fees being taken out. SBTPG (Santa Barbara Tax Products Group) is the third-party bank that handles refund transfers when you pay your tax prep fees from your refund. The "account not found" usually means they're still processing it. Here's what's likely happening: 1. IRS sent the money to SBTPG on 3/12 2. SBTPG is processing it, taking out any fees 3. SBTPG will then forward the remainder to your Chime account The 3/18 date is when it should reach your actual bank account. I'd wait until your DDD before panicking. If nothing by 3/19, then start making calls. This is normal though frustrating part of the process.

Honestly the best way to actually understand what's going on with your refund is to use taxr.ai - I was in the exact same situation as you last month and was completely confused until I used this tool. It actually reads all your transcript information and explains exactly where your money is and what's happening. Much better than trying to piece together random advice and guess what's going on. I use it every week during tax season now to keep track of everything. Check it out at https://taxr.ai

I went through this exact headache last month. After days of getting nowhere with the IRS automated system and SBTPG's useless website, I found this calling app (claimyr.com) that got me connected to an actual human at the IRS in like 20 minutes. The agent explained that my refund was held up because SBTPG had some verification issue on their end. Talking to an actual person at the IRS was the only thing that finally moved things along - my money was in my account two days later. Best money I've ever spent to finally get some answers instead of just waiting in anxiety.

I'm having the EXACT same issue but with TurboTax/NetSpend. My DDD was 3/15, IRS says they sent it on 3/10, but still nothing in my account. SBTPG shows nothing when I search. Called NetSpend and they said they don't see any pending deposits. This is so frustrating!

Did you pay for your tax prep fees out of your refund? If yes, thats why its going through SBTPG first. They take their cut then forward the rest to your bank. The "account not found" error is just their crappy system not updating. Give it until your DDD (3/18) before worrying.

Chime user here! My experience has been that Chime actually deposits early when they receive the funds - usually 1-2 days before the official DDD. So if your DDD is 3/18 and you haven't gotten it yet, that likely means SBTPG hasn't released it to Chime yet. In my experience, SBTPG holds onto it until the very last minute. Check your SBTPG transcript status here: https://taxpayer.sbtpg.com/login 🔍

The IRS system is so broken this year omg. I had a similar issue and spent HOURS trying to figure out where my money was. Finally used taxr.ai and it showed me exactly what was happening with my refund - turns out there was a review code on my account I never would have spotted. Highly recommend checking it out instead of stressing.

Don't panic yet! This is normal when you have fees taken out of your refund. The IRS sends your money to SBTPG, they take their cut, then send the rest to your bank. Your DDD is 3/18 which means that's when it should hit your bank account. So technically you're not even late yet. The whole SBTPG system is glitchy AF and often shows "account not found" even when everything is processing normally.

This happened to me and I was FREAKING OUT. Called the IRS and after being on hold for 2 hours I got disconnected. Then I used that Claimyr app and actually got through to someone in like 15 mins. Found out my refund got sent to the wrong account because TurboTax had some glitch. They helped me fix it and I got my refund re-issued. Might be worth checking if they actually sent it to the right place!

classic irs nonsense 😤 they always say they sent it but then there's this mysterious black hole where money disappears for days. i'm in the exact same situation right now with TT and cashapp. was supposed to get mine on 3/13 and still nothing. sbtpg website is complete garbage.

The IRS is literally the worst. Nothing about this process makes any logical sense. They can take our money instantly but when they owe us OUR money back suddenly everything moves at a snail's pace and gets stuck in multiple systems. And don't even get me started on their outdated websites and phone systems...

Used to work for a tax prep company. Here's what's happening: when you choose to pay your tax prep fees from your refund, you're actually getting a Refund Transfer product. Your refund goes to SBTPG first, they take the tax prep fees, then send the rest to your bank. The SBTPG site is notoriously bad and unreliable. Their "account not found" error happens to almost everyone. As long as your WMR shows the refund was issued, you should get it by your DDD.

This whole refund delay nonsense is why I started using taxr.ai to track my refund. No more guessing games. It analyzes your transcript and explains EXACTLY where your money is in the process. Showed me that my refund was actually on hold for review (something WMR never mentioned) and gave me a predicted deposit date that was spot on. Way better than refreshing SBTPG every 5 minutes lol. https://taxr.ai

I had this EXACT problem with Credit Karma tax last year. SBTPG kept showing "account not found" right up until the money hit my account (which was actually a day after my DDD). Their system is garbage. As long as WMR shows the refund was sent and you're not past your DDD yet, you should be fine.

The whole tax refund system is a joke. I was so tired of dealing with this exact issue that I finally just adjusted my withholding at work so I don't get big refunds anymore. Rather have my money throughout the year than deal with this nonsense every February/March.

After weeks of this exact frustration, I ended up using claimyr.com to get through to a real IRS agent (had tried calling on my own for days with no luck). Found out my refund was actually sent to the wrong account number because of a typo in my tax return. They helped me start a trace and get it sorted out. Talking to an actual human saved me weeks of waiting and wondering. It was absolutely worth it to get a definitive answer rather than just refreshing various websites hoping for updates.

im having the same issue with TT and Venmo. DDD is tomorrow (3/17) and still nothing. SBTPG site is useless. called IRS and they just read me the same info I can see online. so frustrating!!!! 😤

PSA for everyone: If you're paying tax prep fees from your refund (refund transfer), your money ALWAYS goes through SBTPG first, and their website/customer service is terrible. This isn't unique to any specific tax prep company - TurboTax, H&R Block, Credit Karma, TaxAct all use SBTPG for this. Next year, if you want your refund faster, pay the prep fees upfront and have IRS direct deposit directly to your bank!

Had this SAME issue and finally got it resolved! SBTPG kept showing "account not found" but after using taxr.ai I could see exactly why my refund was held up - turns out there was an education credit verification that I had no idea about. Their explanation made everything clear and I knew exactly when my money would arrive. No more stressing and checking 5 different websites all day long.