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This is a super generic answer.  While I agree that TT has no control over your refund or how it is sent/processed.  There was an agreement in place for everyone that had fees taken out of their refund. (you had to electronically sign and agree to it in order to use the third party bank Santa Barbara Bank and Trust).  The person who responded to this is a bot with TT and is not really giving you correct information.  I got my first stimulus payment perfectly fine into my account and on the day it was expected.  As of this moment, my transcript shows that my refund was sent on 1/4/21, as expected, but the Track My Payment tool says it doesn't have any information available.  It seems that the common thing everyone with this problem has is that they had their fees taken out of their refund.  It would make sense that if this 2nd stimulus payment was not processed as an advance but instead processed as a refund that maybe, possibly there was a glitch or confusion and that this 2nd payment was sent to the account number for Santa Barbara Bank and Trust, - rejected - and then will be sent back to the IRS, and either get be sent for dd again (not likely) or that we will be sent a paper check. Im super bummed and currently on hold to speak with a real person, if I hear anything I will update here, if I get my money or the payment tracker updates.  Please do the same if you have any change as well.  Good vibes to you!  Thanks!