I haven't received my tax refund for 2022 yet. I finished filing in October. The IRS funded my refund to the tax/bank that TurboTax uses, SBTPG. When I checked their website, they sent my refund back to the IRS after taking their fees (of course) because of 'suspicious activity.' My bank never received the funds or saw an incoming/pending transaction. After connecting with the IRS in January, they instructed me to just wait. At some point, someone in the IRS will find my refund and send me a paper check. If I submit a 3911 or trace request, they said it could stop the process and basically I would have to restart and wait again. If I wait, I may be able to see my 2022 refund in June, they said. If I don't wait and submit a 3911 form, I may not see my refund till the fall. Now I just have anxiety about processing my refund with TurboTax altogether because TT has removed themselves from this problem although they caused the problem by sending it back. SBTG didn't even do a courtesy call or email to me to verify my information before marking it as suspicious. If I use TT again this year for 2023, I worry that my refund will be sent back and lost again. If I submit taxes via TT, should I just not opt to take fees from my refund so that I won't have this problem? Or do all refunds go through SBTG? Should I go ahead and risk a delay in my 2022 refund by submitting the 3911 form?
