Sorry you're having difficulty. That "pay fees out of refund" method not uncommonly has difficulties and makes timing and tracking difficult. This is mainly a user community forum--not a direct route to TurboTax Support. So folks here, even TurboTax employees who help in the forum, won't know anything specific about your account. Since you described that your funds are supposed to have gone to 3 different places (Cross River, Intuit router account, Credit Karma), it adds a lot of variability to the timing of all that.
As to how Cross River Bank came to be involved, you may already know, but whenever you request fees to be paid from a refund, the funds first go from the IRS to a third-party bank where the fees are taken out. It sounds like the third-party bank used was Cross River Bank. In years past it had not been possible to take products fees out of a state refund, but this year they are allowing that in some states, such as Arizona, Colorado, California, Illinois, Ohio, Oregon, Michigan, and/or Wisconsin. Maybe they use Cross River Bank when the fees come out of a state refund.
"Turbo Tax says they submitted the funds to my Credit Karma spend account on 2/18. Credit Karma says they haven't received anything."
2 days ago (Feb. 18) may not have been enough time for it to go from Intuit router account to Credit Karma and for Credit Karma to process it into your account. If it were me, I'd wait and see what happens at Credit Karma on Monday. Perhaps it will process there into your account overnight tonight or over the weekend.
