Just spoke with TPG - Refund pending until tomorrow then sent to bank on the 22nd

This is actually standard procedure per IRS Publication 1345 which governs Authorized IRS e-file Providers. Tax Preparation companies that offer refund transfers (often called RACs - Refund Anticipation Checks) are required to maintain separate accounts for each taxpayer's funds. The multi-step process you're experiencing is surprisingly complex! The IRS deposits to TPG, then TPG must verify the deposit matches expected amounts, deduct any authorized fees, then initiate an ACH transfer to your personal account. Each step has mandatory verification periods per NACHA regulations.

Check your TPG account online. Refresh regularly. Status updates often happen overnight. Their system usually updates at 3am EST. Watch for status change from "pending" to "funded". Many banks process incoming ACH transfers early morning. You might see it earlier than the 22nd.

I waited exactly 4 days last year with TPG and called them 17 times with no answers. Complete waste of time. Finally used Claimyr to reach an actual agent at the IRS (https://claimyr.com) and confirmed my refund was actually sent to TPG 2 days earlier than TPG was showing in their system. The IRS agent gave me the exact timestamp when the deposit was made to TPG. Armed with this info, I called TPG back and suddenly they "found" my deposit and processed it within 8 hours. Sometimes you need leverage from official IRS confirmation to get movement.

Be aware that TPG's Refund Status Portal typically updates once daily during the overnight batch processing. The Automated Customer Service Line (800-779-7228) may provide more current information than their website in some cases. If your bank accepts Same-Day ACH transfers, you might receive your deposit earlier than the projected date, though this depends on your financial institution's processing schedule.

This is what's happening with your TPG refund transfer: First, the IRS transmits your refund via the Automated Clearing House (ACH) network to TPG's Financial Institution. Then TPG undergoes an Electronic Funds Verification (EFV) process, which includes matching your payment to their records and confirming the amount matches IRS documentation. This verification creates the "pending" status. Once verified, TPG initiates a second ACH transfer to your designated financial institution, which then undergoes its own deposit posting procedures. The entire sequence typically takes 48-72 hours from IRS disbursement to final availability in your account.

Did they mention anything about potential holds or exceptions? Did you confirm the exact amount they received matches what you were expecting? Have you checked if your bank might place additional holds once they receive the transfer?

I successfully navigated this exact situation last month. Here's what worked for me: 1. Document the date and time TPG received your refund. 2. Take screenshots of your TPG account status page daily. 3. Call your bank to alert them of the incoming ACH deposit. 4. If not received by the promised date, call TPG with your documentation ready. 5. Request to speak with a supervisor if the first representative can't help. 6. Have your TPG account number and personal identification ready before calling. Following these steps, my funds were released exactly on schedule and my bank processed the deposit within hours of receiving it.

This is RIDICULOUS! 😡 Why do we have to jump through so many hoops just to get OUR money?! I'm shocked at how complicated they make this! Next year, I'm definitely choosing direct deposit straight from the IRS instead of letting it go through a third party. The extra days might not seem like much, but when you're waiting for YOUR money, every day feels like forever!