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Sorry you're having difficulty.   That "pay fees out of refund" method not uncommonly has difficulties and makes timing and tracking difficult.   This is mainly a user community forum--not a direct route to TurboTax Support.  So folks here, even TurboTax employees who help in the forum, won't know anything specific about your account.  Since you described that your funds are supposed to have gone to 3 different places (Cross River, Intuit router account, Credit Karma), it adds a lot of variability to the timing of all that.   As to how Cross River Bank came to be involved, you may already know, but whenever you request fees to be paid from a refund, the funds first go from the IRS to a third-party bank where the fees are taken out.  It sounds like the third-party bank used was Cross River Bank.   In years past it had not been possible to take products fees out of a state refund, but this year they are allowing that in some states, such as Arizona, Colorado, California, Illinois, Ohio, Oregon, Michigan, and/or Wisconsin.  Maybe they use Cross River Bank when the fees come out of a state refund.   "Turbo Tax says they submitted the funds to my Credit Karma spend account on 2/18. Credit Karma says they haven't received anything."   2 days ago (Feb. 18) may not have been enough time for it to go from Intuit router account to Credit Karma and for Credit Karma to process it into your account.  If it were me, I'd wait and see what happens at Credit Karma on Monday.  Perhaps it will process there into your account overnight tonight or over the weekend.

It's not clear what form or document you are comparing the 1098-T to. TurboTax does not prefill box 1 or box 5 at the 1098-T screen.  You enter the numbers.     The 1098-T is only an informational document. The numbers on it are not required to be entered onto your tax return. However receipt of a 1098-T frequently means you are either eligible for a tuition credit or possibly your student has taxable scholarship income.  If you claim the tuition credit, you do need to report that you got one or that you qualify for an exception (the TurboTax interview will handle this) You claim the tuition credit, or report scholarship income, based on your own financial records, not the 1098-T. In the 1098-T screen, click on the link "What if this is not what I paid the school" underneath box 1. You will then be able to enter the actual amounts paid. You will also reach a screen that allows you to adjust the scholarship amount for "amounts not awarded for 2024 expenses". Or if you find it easier, just change the numbers in boxes 1& 5 to what your records show. The 1098-T that you enter in TT is not sent to the IRS.

@hccheung , I agree that the adjusted basis of the investment cannot be zero--- the adjustment can be  and mostly is zero. Can you give me a little data about your case and let me create that and see where TurboTax is going wrong -- any data would help. Also did you enter the details and/or items in forms mode  or  in the step-by-step mode or you used a combination ?   There seems to be quite a few "unhappies" with this FTC . I will work on this once you give me some data -- yes ?

When you go to pay in TurboTax, you're going to a Billing server.  Sometimes the connection is not good and you receive an error.  Some users have been successful using an incognito window in Chrome, or changing LAN settings to 'Allow' in your browser.   If you can give details about the error you receive, we'll try to help.   @Cstick22 

I understand you guys have a set of responses to use in response to our posts. But this isn't helpful whatsoever.  After 15 years of doing my taxes through Turbo Tax, I am well aware of how the process works.  That wasn't what my question was.  My concern is I am getting the run around from Cross River Bank, Turbo Tax, and Credit Karma on where my money is. Everyone is blaming the other, but nobody is actually answering my questions.  Over 5 hours of sitting on hold, between the multiple calls to each entity, and I still am no closer to knowing where my refund actually is. Cross River Bank says they submitted the funds to the Turbo Tax router account on 2/18. Turbo Tax says they submitted the funds to my Credit Karma spend account on 2/18. Credit Karma says they haven't received anything.  I've never had my refunds go through Cross River Bank, I don't even have record of requesting "5 Days Early" aside from just sending the funds to Credit Karma, and I have never had an issue like this before. I have always loved filing with Turbo Tax, but this will be my last year using your system to file my taxes. 

Yes correct, but my total loans are great than 1M.   This is the test case that I posted below that causes the bug.  I would be curious to see if you can reproduce   Test 2: Loan1: $700K open balance, secured by primary home, loan originated 1/1/2022, ending balance $675K, mark as REFI from loan originating 9/1/2009, all funds used to payoff prior loan Loan2: $700K open balance, secured by secondary home, loan originated 1/1/2021, ending balance $675K     thank you

Sorry for your loss. Assuming he was the sole owner. The first question is whether he had suspended Passive Activity Losses because IRC 469(g)(2) specifies that some may be immediately deductible, while the rest is permanently lost.   I doubt TurboTax can handle this  IRC section 469(g)(2) addresses the disposition of a passive activity by death. If a passive activity is transferred by reason of the taxpayer’s death, then the suspended PALs can be deducted on the decedent’s final Form 1040 “to the extent such losses are greater than the excess (if any) of (i) the basis of such property in the hands of the transferee (You), over (ii) the adjusted basis of such property immediately before the death of the taxpayer(your husband).” As such, these “freed-up” PALs can offset other income (e.g., interest, dividends, earned income) on the decedent’s final Form 1040. Any losses not in excess of this step-up in basis “shall not be allowed as a deduction for any taxable year.” To illustrate this rule, assume at the time of the taxpayer’s death, a passive investment has a basis of $50,000, a fair market value of $75,000, and PALs of $30,000. Under IRC section 1014, by virtue of being included in the taxpayer’s estate, the investment’s basis is stepped-up to $75,000. Because the $30,000 of PALs exceeds the $25,000 basis step-up by $5,000, that $5,000 can be taken as an ordinary loss on the taxpayer’s final Form 1040. The remaining $25,000 of PALs is lost forever.   His share of income and expenses until his date of death need to be reported as well as depreciation for depreciation, you need to check the box converted to personal use and his date of death       Your basis becomes the Fair value of the property on the date of his death. It probably needs to be split between land and building. You also have to report your share of income and deductions.     if you live in a community property state, the rules for basis and step-up would be different. This is also the case if you were a joint owner with him. 

Yes, you will be able to e-file your 2025 amendment through your TurboTax account once your son's amended return indicating that someone else can claim him has been fully processed.   Refer to the TurboTax articles: Amending Your Income Tax Return and How to Correct Federal Tax Returns for additional information.   You can check the status of your amended tax return at Where’s My Amended Return?