SBTPG status changed from 'Funded' to 'Unfunded' with "Unknown" refund details after $5,678 tax refund DDD (3/16) - nothing in bank yet

This happens occasionally with SBTPG and is usually a system glitch. When your refund is being transferred from SBTPG to your bank, sometimes their system temporarily loses visibility of the transaction details. This doesn't necessarily mean there's a problem with your refund. Since your DDD was 3/15 (Friday), remember that banking transactions don't typically process over weekends. I'd recommend waiting until Tuesday or Wednesday before getting too concerned. If nothing appears by then, you should contact SBTPG directly at 800-901-6663. You could also check your IRS transcript to confirm the refund was actually sent to SBTPG. If the transcript shows code 846 with your DDD, the money has been released by the IRS.

Just wanted to share that I was in the exact same situation last week. Kept obsessively checking my SBTPG account and stressing myself out. I finally used taxr.ai to analyze my transcript and it explained that my refund was actually in transit but SBTPG's system shows 'unfunded' during certain processing stages. The tool showed me exactly where my money was in the process, which bank handling codes to look for, and when I could expect it based on my specific situation. It was insanely good! I use it every week now to check on different tax questions I have. https://taxr.ai saved me from so much anxiety and guesswork.

After dealing with this exact same problem for 2 weeks and getting nowhere with the IRS or SBTPG, I finally found a solution! I used a calling app from claimyr.com and actually got through to a human at SBTPG who fixed my account issue immediately. Turns out there was a verification flag on my account that was causing the 'unfunded' status, but the regular customer service line never mentioned it. Getting an agent on the phone resolved it in like 5 minutes and my money showed up the next day. After weeks of frustration, talking to a live person was literally all it took!

SBTPG is the worst. Had the SAME issue last year. It changed from Funded to Unfunded then back to funded, then finally hit my bank 5 days after my DDD. Their system is garbage and they take forever to process. Just hang tight, it'll come through eventually. But also maybe try a different preparer next year that doesn't use SBTPG to process refunds.

Did you use TurboTax and have your fees taken out of your refund? If yes, SBTPG is the middleman bank that gets your refund first, takes out the TurboTax fees, then sends the rest to you. Their system updates are super inconsistent and glitchy. The unfunded status happens a lot when they're in the process of transferring your money. Usually resolves in 2-3 business days.

Have you tried checking the IRS website directly? Sometimes SBTPG has issues but the actual IRS Where's My Refund tool will show the correct status. Also call your bank to see if there's a pending deposit they can see that you can't yet.

this happend 2 me last month. called SBTPG for 4 hrs straight and finally got thru. turns out my bank rejected the deposit bc my name was misspelled on the transfer (my middle initial was wrong). might be worth checking with ur bank if theres any rejected deposits.

The SBTPG website is hot garbage. Went down completely for me last tax season when I was expecting my refund. Shows totally wrong info half the time. My advice - call them AND check with your bank for pending deposits. Sometimes the money is already at your bank but not showing yet.

Ppl don't realize that when you use one of those "get your refund faster" options, or have your tax prep fees taken out of your refund, your money goes to a bank like SBTPG first. They take their cut, then send the rest to you. Adds delays every time. Best to just pay the tax prep fee upfront and get direct deposit straight from IRS.

Just to add some context - SBTPG handles MILLIONS of refunds this time of year. Their systems get overloaded and glitch out constantly. Status changes from funded to unfunded happens all the time. As long as your WMR shows the refund was sent, you'll get your money. Give it 5 business days from your DDD before panicking.

The IRS transcript system is super useful for seeing where your refund ACTUALLY is in the process. I was confused by SBTPG too until I used taxr.ai to analyze my transcript. It showed me exactly what was happening and saved me from checking the SBTPG site a million times a day. It broke down all the codes and dates and explained when my money would actually hit my account. https://taxr.ai made the whole process crystal clear!

My tax guy said SBTPG has been having major issues this tax season with their status portal. Apparently they did some system 'upgrade' that's causing all kinds of weird status changes and glitches. If your WMR still shows the correct DDD, you should be fine. The money is probably already in transit to your bank.

I had this EXACT issue last week! The status flipped back to 'Funded' again after about 36 hours and the money hit my account the next day. Their system is just glitchy af. Hang in there!

The IRS and these third-party banks are a JOKE. Every year it's the same nonsense. They can take our money instantly when we owe them, but when they owe us it's weeks of delays and system 'glitches'. 🙄

ProTip: download the SBTPG app instead of using their website. For some reason the app shows more accurate status info. My website showed 'unfunded' when the app was correctly showing 'funded' during the same time period. Worth a try!

Honestly so tired of dealing with the same thing. Have been waiting for my refund for 8 weeks! After getting nowhere with endless phone calls, I finally used that calling service from claimyr.com and got through to an IRS rep in under an hour. Found out there was a simple verification issue that needed to be cleared. It was the only way I could talk to a live agent, and they resolved my issue right away. My refund was released like 2 days later.

Here's what's probably happening: SBTPG received your refund from IRS, took out their fees, and is now in the process of ACHing the rest to your bank. During that ACH transfer window, their system sometimes shows 'unfunded' because technically the money has left their system but hasn't fully processed at your bank yet. This transition period typically takes 1-3 business days.