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That's not uncommon. The IRS has to finish processing your return and send the refund. The IRS says 9 out of 10 filers who efile and choose direct deposit will get their refunds within 21 days. That still leaves a considerable number of people who do not. Some returns take longer for additional processing due to specific items in the return. Some are pulled at random for more thorough investigation. We can tell you how to check on it.
About how long has it been since you filed? Did you efile, or did you print, sign, and mail the return?
If you efiled, double-check with this tool to be sure the return was efiled successfully and accepted:
https://shop.turbotax.intuit.com/efile/efile_status_lookup.jsp
If that showed it was accepted (or if you mailed the return), what do you see at the IRS website below for the status of your Federal refund?
https://www.irs.gov/Refunds
If that IRS tool shows that the refund has been sent, report back for more info.
If the IRS tool says it is still "being processed", and if it's been longer than 21 days, we can tell you how to speak to a live agent at the IRS to see if they can tell you anything about the delay.
To track a state refund:
https://ttlc.intuit.com/questions/1899433-how-do-i-track-my-state-refund
"Prepaid" card is a bit of a misnomer, since no money goes on the card until the IRS or state actually issues the refund.
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