Without knowing more, I can reassure you that, once your refund is returned to the IRS, the IRS will automatically mail a paper check to the address you used on your tax return, this usually takes 3-4 weeks.
I can't tell you why Chime would refuse a large refund. You may want to discuss it with them, or choose another bank.
TPB had the option of contacting you and mailing a paper check to you, instead of returning the funds to the IRS. Based on their e-mail, it sounds like they consider your refund to be so large that it is a risk for fraud, and they don't want to be responsible, so they are returning the funds to the IRS and letting the IRS handle it. I can tell you that in past years, TPG allowed themselves to be tricked into sending legitimate refunds to the wrong people, and I expect they don't want to be in that position again.
Lastly, I would suggest that it is a sign of poor financial planning to be expecting so large a refund. Under the best of circumstances, you gave the IRS an interest-free loan for a year that could have paid you $1000-$5000 or more depending on how you invested it. If you want to discuss your tax situation in more detail, we may be able to offer some suggestions on how to pay less to the IRS up front, so you keep more of your money in hand and get a smaller refund.
