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Yes, unfortunately, any negative balance must be brought to zero to avoid overdraft fees.
Regarding the TurboCard itself, call 888-285-4169 for assistance. Due to unprecedented traffic, you may experience some delays on the site or phone line.
For help protecting your identity, see: What to do if you suspect tax-related identity theft.
If this deposit was your refund, see: IRS help for lost or stolen refunds.
It sounds like you know (or suspect) who the culprit is. Otherwise how do you know your money ended up on their TT card? For privacy reasons, TT cannot tell you the owner of that card. File a police report, and they will investigate. Also ask your bank to investigate.
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