Please be aware that the IRS states: 

• "If you file your return on or after April 15, IRS has an administrative time (typically 45 days) to process your return without paying interest on your refund.
• If IRS pays you interest, then interest on the refund will start on the return due date, late filed return received date, or date the payment was made, whichever is the latest."

Generally, the due date is April 15 but this year the due date has been extended to May 17.

Therefore, the IRS does not owe you any interest since your received your refund before the due date of the return.

You can call 1-800-304-3107 to find out if you had an offset that affected your tax refund.

Please see Treasury Offset Program  for additional information.

Please be aware, if you received Notice 1444 in the mail but have not received your payment as mentioned in the notice, then you need to request a trace to be able to claim the Recovery Rebate Credit on your 2020 tax return. Please see How do I request a payment trace to track my first or second Economic Impact Payments?

But I agree, the IRS should send you an explanation statement why your refund changed (if your refund wasn't offset).

I understand what the IRS states... " IRS has an administrative time (typically 45 days) to process your return without paying interest on your refund." They did not process and update until the 46th day, thus exceeding their administrative time. Then did not receive my payment for an additional 2 days. SO 48 days. IF I paid 3 days late they charge me interest- it is a "two way street" as they state.

The phone number that you provided was no help apparently I have to wait for the paper work from the IRS for a phone number to contact. I did receive my refund, however, it was $1200 short plus the $40 banking fee that was not disclosed through Turbo Tax because of the 3rd party bank they use to process everyone's refunds. IS there a way to get the $40 fee back? 

No. The only way to not pay up front with a credit card is to have fees withheld. In order for that to happen, someone has to withhold the fees. Since TurboTax is not allowed to operate as a bank, a third party has to do it. They charge for this service. The screen asks if you want to use this service.

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@Teryan14 wrote:

I understand what the IRS states... " IRS has an administrative time (typically 45 days) to process your return without paying interest on your refund." They did not process and update until the 46th day, thus exceeding their administrative time. Then did not receive my payment for an additional 2 days. SO 48 days. IF I paid 3 days late they charge me interest- it is a "two way street" as they state.

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The IRS page you are probably quoting does not actually correctly quote the law.

Interest is due if the refund is paid more than 45 days after the filing deadline, or more than 45 days after the filing date if the filing date is after the filing deadline.  In other words, for all returns filed before the filing deadline, no interest is paid unless the refund is more than 45 days after the filing deadline, not 45 days after the actual filing date. 

https://www.law.cornell.edu/uscode/text/26/6611

If any overpayment of tax imposed by this title is refunded within 45 days after the last day prescribed for filing the return of such tax (determined without regard to any extension of time for filing the return) or, in the case of a return filed after such last date, is refunded within 45 days after the date the return is filed, no interest shall be allowed under subsection (a) on such overpayment.

@Teryan14

First the IRS ... read the answer already given ... the 45 day processing time for the IRS starts on the filing deadline NOT when you filed the return OR when it was accepted for processing.

Next the $40 processing fee ... it WAS posted in the program and you had to agree to it 3 times before you filed the return ... at any point before you filed you could change your mind and pay upfront... see screen shots below and look at the CONTRACT you agreed to in the PDF file of the return.  

Finally ... for future reference ...

If you qualify   you can use one of  the 10 IRS FREE FILE options to file a fed & state return for free ... but you must log in thru the IRS site :

https://www.irs.gov/filing/free-file-do-your-federal-taxes-for-free

 For Filing Season 2021, you must make $72,000 or below to use one of the 10  IRS Free File partner offers.