Turbo Tax has nothing to do with the refunds at all ... if you had the fees withheld from the federal refund then only the third party processing bank handles that situation so it is they you must deal with. They must have a reason as to what happened to the rest of the refund. If the TT fees were withheld from your bank account then only the bank processing fee would have been withheld when the IRS finally released the refund. The processing bank has as standing arrangement with other processing banks and financial institutions to "grab" refunds to satisfy non income tax debts such as back mortgage payments, current or prior year refund loans or fees as well as a variety of other financial debts. Only they can tell you what happened and you should have gotten a letter of explanation in the mail or an email so check your spam folders or contact the processing bank.
Check SBTPG: by logging into their website at: https://cisc.sbtpg.com/
Or you can get 24-hour automated info by phone at: https://cisc.sbtpg.com/contact.aspx
