Turbo tax live expert was not trained or educated enough and told me to just file after ensuring i had the tax advance loan option by telling me to choose "5 day early" option. How will you resolve this?

[Fdelacruz2]

Your tax experts are not tax experts in anything. They dont know how to help or even understand what options turbo tax even offers. I called and spoken to an an agent about how to select the refund advance loan option. After making me repeatedly click review over and over. They then told me to try changing my bank since credit karma doesnt work with the refund advance loan. So i switched to my chase bank. After that didnt work, they told me i would need to "start over" with a new email and create a new turbo tax account. I then hung up as this person was clearly incompetent. The 2nd person i called ensured they would help me. But they only made things worse. They told me that i could select the refund advance after hitting to file my tax return. I told him thats not what i did last year to which he said by clicking to sign and file, the option to select the refund advance would show itself. Which was not true at all. After i told him the option did not present himself he told me that the refund advance loan is the same thing as the 5 days early option. He then told me to keep tracking my refund and then hung up. Infuriated i called back and spoke to another "eXpErT" who took over 45 minutes with me just sitting on hold as she sat in silence reading what i could only assume is some sort of turbotax help desk information to try and figure out what my tax return was filed as only to eventually give up and say she would call me back. I paid $200 dollars to file and for expert support and this only resulted in my return getting filed incorrectly. What is turbo tax able to do to resolve this issue?

[xmasbaby0]

I will post this to a moderator for someone to take a closer look at.

[DoninGA]

You will need to contact TurboTax support for this problem.  Use the key words Billing Issue

See this TurboTax support FAQ for contacting support - https://ttlc.intuit.com/turbotax-support/en-us/help-article/account-management/contact-turbotax/L2y9...

Support can also be reached by messaging them on these pages https://www.facebook.com/turbotax/ and https://twitter.com/TeamTurboTax

[taxlady28]

The experts will have their work reviewed and be coached in the correct answers.

If you qualify for refund advance you chose that option when you file.  Everyone does not qualify,  Refund advance is not the same as five days early.   Here is what you should see on your screen when you file.

Instantly with Refund Advance†

• Get up to $4,000 in as little as 60 seconds after IRS acceptance*
• $0 loan fees and 0% APR
• Deposits in a Credit Karma Money™ checking account

[Opus 17]

"5 days early" is bs marketing.

When you receive an ACH deposit, this is what happens.

1. The sending bank sends a pre-notice of deposit

2. The receiving bank verifies the account name and SSN and says its ok to deposit.

3. The sending bank sends a notice of deposit.

4. The receiving bank confirms receipt of the deposit.

5. It can take up to 2 further days for the transaction to "settle" (be confirmed by the ACH clearinghouse).

The receiving bank generally makes the funds available after step 5. The entire process should take 2 business days, but step 6 can add up to 2 more business days depending on the policy of the bank.

The "5 days early" claim is based on GreenDot (money card) making funds  available at step 1.   It won't be "5 days early" for most people because most banks are not jerks about IRS deposits.  1-2 days early is probably most common.

Then, you must agree to get your refund via GreenDot bank (instead of your own bank) before you are offered the advance.  But not everyone is offered an advance even if they use Greendot.   It depends on your status, the state you live in, refund amount, and other factors.  A refund advance is never guaranteed.  

[VolvoGirl]

5 Day early advance info.  I believe it is $25

Early Tax Refunds | Fast Tax Refunds with TurboTax

[Opus 17]

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@VolvoGirl wrote:

5 Day early advance info.  I believe it is $25

Early Tax Refunds | Fast Tax Refunds with TurboTax

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How bizarre.  Just another way for Turbotax to charge fees to gullible customers.  And, you can't get the 5 day early refund AND an advance at the same time.

You will not be eligible to receive your refund 5 Days Early if (1) you take a Refund Advance loan, (2) IRS delays payment of your refund, or (3) your bank’s policies do not allow for same-day payment processing.