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Who entered the banking information? Banking information is entered by the user--not by TurboTax.
Look to see what you entered for banking information on the 2020 return:
If you entered incorrect banking information then the refund would have been sent back to the IRS, and the IRS would mail a check to the address on your tax return. Was the address on your Form 1040 the correct mailing address? You might need to have the check traced.
https://www.irs.gov/forms-pubs/about-form-3911-taxpayer-statement-regarding-refund
https://www.irs.gov/faqs/irs-procedures/refund-inquiries/refund-inquiries-0
Or......
Did you choose to have your fees for using TurboTax deducted from your federal refund?
if you chose to have your TurboTax fees deducted from your federal refund then the banking information on the tax form is the routing and account information to send your refund to the third party bank. That bank gets your refund first from the IRS. They take out your TurboTax fees and send the rest to you---and that bank has YOUR direct deposit information.
When you choose "refund processing" TurboTax gets its fees when the IRS releases your refund. Your refund goes to the third party bank. The bank takes out your fees and then that bank sends the rest of the refund to you.
How can I see my TurboTax fees?
https://ttlc.intuit.com/questions/2565973-how-do-i-review-my-fees-in-turbotax-online
What is Refund Processing Service?
Santa Barbara Tax Products Group, LLC (SBTPG) is the bank that handles the Refund Processing Service when you choose to have your TurboTax fees deducted from your refund. This option also has an additional charge from the bank that processes the transaction.
You can contact them SBTPG, toll-free, at 1-877-908-7228 or go to their secure website www.sbtpg.com
https://ttlc.intuit.com/questions/2580357-who-provides-the-refund-processing-service
Not sure why you think anyone is refusing to let you speak to someone----did you use the Free Edition?
Phone support is not provided with the Free Edition. If you are using a paid version of the software or if you purchased PLUS you can get phone support when customer support is there. Otherwise, post your question here and someone will try to help.
To call TurboTax customer support
https://ttlc.intuit.com/questions/1899263-what-is-the-turbotax-phone-number
Customer support is available from 5 a.m. to 5 p.m. Pacific time daily
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