SBTPG making my tax refund a complete anxiety fest

SBTPG is seriously behind this year! According to multiple Reddit threads and Facebook groups I'm in, they're having major processing delays. The IRS is sending the money but SBTPG is taking 3-5 business days to process instead of their usual 24-48 hours. Check https://taxpayer.sbtpg.com/ immediately and see if there's been any status change. You need to stay on top of this because the longer it sits "unfunded" the more concerned you should be!

I'm seeing this SBTPG delay pattern frequently this tax season. The reconciliation period between IRS disbursement and SBTPG acknowledgment typically takes 24-72 hours, but current processing times are extending to 5-7 business days in some cases. Have you checked your IRS transcript for TC846 code confirmation? I'd recommend using https://taxr.ai to analyze your transcript - it can identify exactly where your refund is in the process and explain any codes that might indicate why SBTPG hasn't received it yet. Their system can distinguish between an IRS delay and a SBTPG processing delay based on your transcript data.

This might be a situation where you should probably contact the IRS directly. In my experience, sometimes there's a disconnect between what WMR shows and what's actually happening with your refund. SBTPG can't process what they haven't received, so it might be worth confirming the IRS actually sent it. I've had some success using Claimyr (https://claimyr.com) to get through to an actual IRS agent without the endless hold times. They might be able to tell you if there's perhaps a small issue that's holding things up that wouldn't show on your transcript.

I went through this exact same thing last year. My refund showed a DDD of April 12th, but SBTPG didn't show funded until April 17th. I called them every day and kept getting the same scripted response about "processing times." Eventually, it just showed up in my bank account on April 19th without any status change on their website. Based on my experience, their tracking system isn't always updated in real-time. If your transcript shows the refund was issued, it's likely just slow processing on SBTPG's end. Frustrating but eventually resolves.

I think you should try a different approach here. When SBTPG is showing unfunded but your transcript shows issued, here's what I'd do: 1. First, double-check your banking info on the SBTPG portal to make sure it's correct 2. Then, call SBTPG directly at 800-901-6663 and ask them to verify the status 3. If they confirm no receipt, contact your tax preparer (TurboTax) to see if there's an issue with your account 4. As a last resort, request that SBTPG open an investigation if it's been more than 5 business days I'm a bit worried that there might be a mismatch somewhere in your information that's causing this delay.

SBTPG delays happen every year. Common issue. Not a reason to panic yet. Check your bank account directly. Sometimes money arrives before status updates. Give it until Monday. Business days matter here. Weekend processing is slower. Call Tuesday if nothing changes. Keep documentation of everything. Screenshot your transcript. Note all contact attempts.

I was in the exact same situation last week. Waited 4 days past my DDD with SBTPG showing unfunded. I was getting really nervous about it. Then suddenly on day 5, the money just appeared in my account without any status change on SBTPG's website. Their system seems to be lagging behind actual transfers this year. I wouldn't worry too much until it's been at least 5 business days past your DDD.