I discovered that my issue was that I had asked Turbo Tax to take the audit fee out of my refund. This caused SBTPG to process the refund, issued to them, and then deposit the reduced amount to my account.
I was looking for a specific refund amount and "IRS" and it turned out it was a different amount and "SBTPG" was on the record in my account.
This might apply to some people. Do a search for SBTPG and see if something was deposited
