Understand the following facts first:
1. Turbotax can't be used by professional tax preparers (anyone who charges money). If they used Turbotax, they already broke IRS regulations.
2. If you used Turbotax (either with a pro improperly, or a friend helped you for free) and chose that you would pay your turbotax fees out of your refund, your bank account number may not appear on your return. Your refund will be send to a third party bank (Cevista, Green Dot, or a couple others) who deduct the fees then send the rest of the money to you. It may be that your refund is just not paid yet, and you are looking at the bank account number for the processor. Make sure your tax returns were accepted. If they were rejected (usually for technical reasons) you will have to fix the errors and re-transmit them. https://shop.turbotax.intuit.com/efile/efile_status_lookup.jsp Then check the IRS to see if the refund is paid yet. https://www.irs.gov/refunds/
If the third party bank has your refund (they may be holding it for verification) you can contact them directly. You can contact Santa Barbara Bank & Trust (SBBT) customer service at 877-908-7228 or visit their website www.sbtpg.com
If your refund is paid and it was definitely paid to someone else, then:
Here is the link to request a transcript of your tax return, to verify what account number was actually used. (You can get a transcript for free or a photocopy for a fee.) https://www.irs.gov/Individuals/Get-Transcript You can add that information to the police report and the police can find out who owns that bank account (you can't do that on your own, but the police can).
If you signed a tax return, or authorized by electronic signature, a tax return that had someone else's bank account on it, then the IRS will probably take the position that they followed your instructions and will not pay another refund. However, here is the procedure to start a trace on your refund. This will probably not result in a new refund from the IRS, but will give you information to use in your police report. https://www.irs.gov/help-resources/tools-faqs/faqs-for-individuals/frequently-asked-tax-questions-an...
The bank is supposed to reject a deposit if the name and SSN of the tax refund does not match the name and SSN of the bank account holder, so you may be able to sue the bank in small claims court.
You should definitely file a police report, a report with the IRS, and with the better business bureau.
