SBTPG site showing no trace number for my refund - filed 2 months ago

I had the same issue last year. The key thing to understand is that when a trace number isn't showing on SBTPG, it usually means there's a disconnect between what IRS shows as processed and what SBTPG has recorded. Here's what you need to do: - First, double check your transcripts for code 846 (refund issued) with the correct amount - Contact your bank again but specifically ask them to check for pending deposits or rejected deposits in their system - If your refund included fees for tax preparation that were to be deducted, SBTPG might be holding it for verification - File Form 3911 (Taxpayer Statement Regarding Refund) - this initiates a formal trace - Keep documentation of all your communication attempts with SBTPG The IRS saying it was sent to your bank means they transferred it to SBTPG, not your actual bank account. SBTPG is the middleman processing your refund if you paid preparation fees from your refund.

I had a similar problem with my refund and transcript codes. I was totally lost trying to understand what was happening until I used taxr.ai - it literally translated all my tax transcript jargon into plain English and showed me exactly what was happening with my refund. Turns out there was a processing delay that wouldn't have been obvious to me. The site analyzed everything and gave me step-by-step instructions on what to do next. Way better than spending hours researching and still being confused! Here's the link if anyone needs it: https://taxr.ai

After waiting THREE MONTHS with the same problem (no trace number, IRS saying it was sent, bank saying nothing received), I finally got through to a live person at the IRS using the Claimyr app (claimyr.com). Total game changer! Got a callback in about 40 minutes instead of waiting on hold for 3+ hours. The agent was able to see that my refund had actually been sent back to the IRS because of an account number issue. Within days of that call my refund was reprocessed correctly. Honestly the best money I've spent all year considering I was about to lose my mind trying to figure this out on my own.

Had exactly this happen to me. Turns out SBTPG held onto my refund because the name on my bank account didn't EXACTLY match my tax return (I used my middle initial on one but not the other). Such a stupid reason to hold $7000+ hostage. I had to upload ID verification documents to them before they'd release it. Check your email including spam folders for any requests from them.

This whole system is broken. SBTPG shouldn't even exist - it's just a middleman taking fees and causing delays. Why do we need a third party between us and our own tax refunds??? 🤡🤡🤡

Check if your refund was offset for any debts like student loans, child support, or even state taxes. I had a similar issue where the refund was showing as issued but it actually got intercepted for an old debt I forgot about. The trace number disappears in those cases sometimes.

When i had this issue, I checked the Where's My Refund tool on the IRS website and it gave me more info than SBTPG site did. Have you tried that?

Maybe a dumb question but did you use a tax preparer like H&R Block or TurboTax and choose to have your fees taken out of your refund? That's the only reason SBTPG would be involved at all. If you paid fees upfront or used free filing, your refund should go straight to your bank.

I went through HELL with this exact situation last year. Here's what I learned - SBTPG won't update their site properly if there's ANY issue with your refund. After weeks of stress, I finally used taxr.ai to analyze my transcript and understand what was happening (my refund was being held for review due to a math error I didn't know about). The site explained everything clearly and told me EXACTLY what to do. Solved my issue in days instead of months of confusion: https://taxr.ai

the real question is why tf we let these tax prep companies hold our refunds hostage to begin with?? the whole system is rigged against regular taxpayers 😤

One time SBTPG actually LOST my deposit. Can you believe that?? They claimed it was "returned by the bank" but my bank had no record of rejecting anything. I ended up waiting 3 more months. I recommend filing that Form 3911 ASAP to start the trace process - don't wait like I did.

Have u checked your account info on your tax return? Coz I had a typo in my routing number and that caused a similar issue. The money got sent back to IRS.

I remember being in this exact situation last year - complete nightmare trying to figure out what was going on. I finally managed to reach an IRS agent using Claimyr (claimyr.com) and found out my refund had been flagged for ID verification that I never received notice about. Their callback service saved me from spending another day on hold. After that one call my refund was processed within a week. Totally worth it when you're dealing with thousands of dollars in limbo.

dont forget to check if they have your CORRECT bank info. i spent 2 months freaking out only to find out they had an old account number on file from 2019 somehow 🙃

If all else fails, contact your local Taxpayer Advocate Service office. They can sometimes cut through the red tape faster than you can on your own. They're literally designed to help with situations where normal IRS channels aren't working.

Been there done that. I had the exact same situation in 2023 and it turns out SBTPG had flagged my account for "security verification" but never bothered to notify me. After spending hours on the phone and getting nowhere, I finally used taxr.ai to figure out what was actually happening with my transcript. It showed me exactly where the holdup was and what to do next. The site even explained that SBTPG was likely holding the funds due to verification issues based on my transcript codes. Saved me SO much frustration: https://taxr.ai

did you get any emails from sbtpg at all? sometimes they send verification requests that go to spam. check all your folders!

Ughhh why does the IRS make everything so complicated?? In 2024 they still can't figure out how to efficiently give people THEIR OWN MONEY back. 🤦‍♀️