Transcript Still Blank After 2 Months - SBTPG Shows Funded But No Federal Refund

Have you checked the IRS2Go app as well as the website? Sometimes they show different statuses. According to the IRS Operations page (https://www.irs.gov/newsroom/irs-operations), they're still working through a backlog from last year. Can anyone confirm if SBTPG showing 'funded' means they actually have your federal refund?

OMG I'm so confused by all this too!! 😫 If SBTPG shows funded, shouldn't that mean they have your money?? I'm stressing because I need my refund for car repairs and I don't understand why they would hold it if they have it!

You're probably dealing with two separate issues here. First, the blank transcript is somewhat normal, especially for PATH Act returns that claimed EIC. They're generally held until mid-February for processing, and then can take an additional 3-4 weeks, possibly longer. Second, SBTPG might be showing 'funded' only for your state refund, which would explain why you received that portion but not federal. It's possible, though not certain, that your federal return is still being processed by the IRS and hasn't been sent to SBTPG yet.

This is definitely a PATH Act delay. IRS is backlogged. Transcript systems are separate from processing. SBTPG funded status is for state only. Need to talk to IRS directly. Used Claimyr last week. Got through in 18 minutes. Agent confirmed my return was in processing. No issues found. Just backed up. Try https://www.youtube.com/watch?v=_kiP6q8DX5c for direct link. Better than waiting another month wondering.

I'm not convinced SBTPG has your federal refund. Their system might be showing funded only for the state portion. The IRS and SBTPG systems don't always communicate clearly. You should probably contact SBTPG directly to confirm what exactly is funded. This needs to be resolved quickly if they're holding your money.

Don't panic just yet! 😅 The SBTPG 'funded' status is almost certainly just for your state refund. I've seen this happen many times, especially with PATH Act returns. The fact that you've received your state refund with fees taken out is actually normal - they take their full fee from whichever refund arrives first (usually state), and then you get your federal refund in full when it eventually processes. It's frustrating, but probably not a case of them holding your money hostage.

FYI - PATH Act returns are super delayed this yr. IRS is swamped w/ verification. My transcript was blank for 58 days (!!!) after filing on 1/29. WMR just said processing the whole time. Then suddenly everything updated at once and DD hit my acct 4 days later. SBTPG prob only has ur state $. They take fees from first refund received. Hang tight - fed is still at IRS. Blank transcript = still in initial processing queue.

I had this exact issue last year. Blank transcript for weeks, SBTPG showed funded, and I'd received my state refund. Back in 2022, I panicked and called the IRS every day for a week. This year, I was patient and my transcript suddenly updated on March 23rd after filing January 25th. My federal refund hit my account on March 29th. The IRS is just incredibly slow with PATH Act returns, especially if you claimed the Earned Income Credit like I did.