Hi lunchinjenna,
I understand the experience and thank you for your feedback. The delay comes from the IRS, as they are trying to protect users from fraudulent returns. They have this rule across all tax software, not just TurboTax.
The IRS posted information about taxpayers applying for those credits and having a delay in their refunds before the start of this tax season. Many people don't visit the IRS website before they begin filing so it's understandable that they may find out when E-filing their returns. TurboTax does mention the Path Act in this FAQ:
https://ttlc.intuit.com/questions/3397970In regards to what you can do at the moment to get a loan against your return, the best thing is waiting to see if the return is rejected. If the E-file is rejected, you can submit your return through a different entity such as J.H..
The IRS still expects to issue most refunds in less than 21 days, though they will hold refunds for EITC and ACTC-related tax returns filed early in 2017 until February 15. If your return is accepted by the IRS, you can check the status of it here:
https://www.irs.gov/refunds/ I know this may not change the status of what happened, but I hope the information helps.