TT fraud

[Westsidekitty7]

So TT (Cross River Bank) Recieved my return, took out prep fees, denied the 5day early option, and are STILL SITTING ON MY REFUND.

isnt that fraud? Are they collecting interest off my return?!???

Is this legal? 
I was under the impression they had 24 hours to re-route the deposit into the taxpayers account.

Im a half a heartbeat away from contacting the FDIC.

[BrittanyS]

I understand how important it is to know when your refund will arrive, and I'd be happy to clarify how the "Up to 5 Days EArly refund" works.  Up to 5 Days Early to Your Bank Account: Personal taxes only. Your federal tax refund will be deposited to your selected bank account up to 5 days before the refund settlement date provided by the IRS (the date your refund would have arrived if sent from the IRS directly). The receipt of your refund up to 5 Days Early is subject to IRS submitting refund information to us at least 5 days before the refund settlement date. IRS does not always provide early refund settlement information. You will not be eligible to receive your refund up to 5 Days Early if (1) you take a Refund Advance loan, (2) the IRS delays payment of your refund, or (3) your bank’s policies do not allow for same-day payment processing. Up to 5 Days Early fee will be deducted directly from your refund before being deposited to your bank account. If your refund cannot be delivered at least 1 day early, you will not be charged the Up to 5 Days Early fee. Up to 5 Days Early program may change or be discontinued anytime.