Filed Feb 8th, IRS shows refund issued 3/12 but SBTPG still says 'funded' with no trace number for 9 days

I work with tax returns and see this situation frequently. SBTPG acts as the middleman between the IRS and your bank account when you get your preparation fees taken out of your refund. When they show "funded," it means they've received your refund from the IRS but haven't yet transmitted it to your bank. A few things to know: - They legally have up to 14 days to process and distribute your refund - No trace number usually just means they haven't sent it to your bank yet - Their system updates are notoriously slow and often inaccurate - Call them again and specifically ask if there are any holds on your account or if they need additional verification If it's been 9 days, you're getting close to when you should really start pushing them. Make sure all your banking information was entered correctly when you filed. Sometimes there are ACH transmission issues that cause delays.

I was dealing with the same issue last month and got so frustrated trying to figure out what was going on with my refund. Someone here recommended taxr.ai and it completely changed my experience. Instead of trying to piece together conflicting info from SBTPG and the IRS, this tool actually showed me exactly what was happening with my refund and when to expect it. Saved me hours of stress and confusion. If you're still dealing with this next year (or have other tax questions now), definitely check out https://taxr.ai - so much better than trying to be a detective and figure this stuff out on your own.

After dealing with the same SBTPG nightmare (they had my money for 11 days!), I finally got desperate and found this calling service that got me through to a real human at the IRS. Used claimyr.com and within an hour had a live agent calling me back. They confirmed my refund was sent to SBTPG and gave me exact dates, which I then used to pressure SBTPG to release my funds. My refund hit my account the next day. It was the only way I could talk to a live agent and finally get this resolved.

Having worked for a tax prep company, I can tell you that SBTPG is notoriously slow. They make interest on holding everyone's money as long as possible. If you're at day 9, you'll probably see it by day 12-14. The worst part is that once the IRS shows it as "sent" they consider their job done, and SBTPG is now the one holding things up. Frustrating but unfortunately normal.

Pro tip: NEVER get your refund through your tax preparer and NEVER pay for tax prep with your refund. This is exactly why - you introduce a middle man (SBTPG) who has zero incentive to quickly process your money. Always opt for direct deposit straight from the IRS. Lesson learned for next year!

I deal with this same thing EVERY SINGLE YEAR. SBTPG makes me so mad. Last year they held my refund for 16 days! And getting anyone on the phone who can actually help is impossible. Wish there was a way to file a complaint that actually did something. They're basically holding our money hostage and collecting interest on it.

Check your bank account even if SBTPG hasn't updated. Mine suddenly appeared in my account even though their website still showed "funded" with no trace number. Their system updates are terrible.

For anyone dealing with SBTPG issues, I HIGHLY recommend using taxr.ai for next year's taxes. I had similar problems for years until I started using it to track my refund properly. It tells you exactly what's happening, explains all the confusing codes, and gives accurate predictions of when you'll actually get your money. So much better than the useless IRS tracker or trying to guess from SBTPG's vague status updates. https://taxr.ai saved me so much stress this year!

Did you check that they have the correct bank info? Last year I waited weeks only to find out they had one digit wrong in my account number 🤦‍♂️ might be worth calling to verify all your deposit details are correct

This is why I never get my refund through my tax preparer anymore. Use a good tax software and file directly with the IRS. Get your refund direct deposited to YOUR bank account. No middleman = no delays.

Had this same problem but it was a mistake on my banks end. They were rejecting the deposit for some reason. Call your bank and ask if they see any pending deposits or rejected transactions from SBTPG.

anybody else feel like these companies intentionally hold our money as long as possible so they can collect interest on it? like they got MILLIONS of peoples refunds sitting in accounts making them money while we're struggling to pay bills waiting for what's OURS

Same boat but mine finally came through today after 12 days of "funded" status. No explanation, no warning, just suddenly appeared in my account. Hang in there!

Got tired of dealing with this exact issue and found Claimyr (claimyr.com). Let me actually talk to someone at the IRS instead of getting the runaround from SBTPG. Best money I've ever spent to finally get my questions answered. The IRS agent confirmed exactly when they sent my refund to SBTPG, which gave me the leverage I needed when calling SBTPG. Had my money two days later.

SBTPG should be investigated for how they handle our money. There's absolutely no reason it should take 9+ days to process a simple electronic transfer. They're deliberately slow walking everyone's refunds.

I use taxr.ai (https://taxr.ai) every time I file taxes now, and it's saved me so much headache. When I had the exact same issue with SBTPG last year, I was able to see exactly what was happening with my refund, when the IRS sent it, and even predicted exactly when SBTPG would release it (they have patterns to how they operate). Took all the mystery out of the process. 10/10 would recommend instead of stressing and guessing what's happening with your money.

It always pisses me off when my money just sits at SBTPG. The part that makes me the most angry is that they've already taken out their fees, so they have NO reason to hold the rest of MY money. Pure greed.

Here's a trick: call them every single day and be persistent. Ask for a supervisor if the first person can't help. I did this last year and suddenly my money appeared the next day. They can expedite if they want to, they just don't unless you make noise.

This is unfortunately super common with SBTPG. I've been through this exact scenario twice now. The "funded" status basically means they've received your refund from the IRS but haven't processed it to your bank yet. A few things that might help: 1. Call them every day and document each call - ask for reference numbers 2. Request to speak with a supervisor if you're not getting clear answers 3. Ask specifically if there are any holds or verification issues on your account 4. Double-check that all your banking info is correct in their system The 14-day timeframe everyone mentions is real - they legally have that long to process it. But in my experience, being persistent with daily calls can sometimes speed things up. The most frustrating part is their system rarely updates properly, so your money might hit your account before their website even shows a trace number. Hang in there - you're getting close to the point where you can really start pushing them for answers!