How much is 20%? 20% could be a low number easily explained or a high amount. Were you having any Turbo Tax fees deducted from your refund? There is also an Extra $40 Refund Processing Service charge (45 in California) deducted to have the fees taken out.
Did you check the IRS refund lookup to see how much they actually sent? Was it the same amount as the refund on your 1040 line 35a? If the IRS adjusted your return they will mail you a letter explaining it. That will take a couple weeks to get a letter.
