Bank statement charge
What is TPG PRODUCTS SBTPG LLC on my bank statement?
Who charged you
Santa Barbara Tax Products Group pays out tax refunds after taking the tax prep fees
TPG PRODUCTS SBTPG LLC is Santa Barbara Tax Products Group, a Green Dot company that handles tax refunds for people who pay their tax prep fees out of the refund. The line is usually your federal or state refund arriving, minus those fees.
How it can show on a statement
TPG PRODUCTS SBTPG LLCTPG PRODUCTS SBTPG LLC PPD
Find out what it was
- 1
Compare the amount with the refund on your tax return: the gap is usually the preparation fees plus the Refund Transfer fee you agreed to when you filed.
- 2
Check whether the amount matches your federal or your state refund; each arrives as its own deposit.
- 3
Find the filing summary or receipt from your tax software or tax office and look for the fee total and any refund advance.
- 4
Search your inbox and text messages for refund status notices and for the message from your tax software or tax office about paying with your refund.
- 5
If the line is money going out, check whether a refund you chose to pay fees from in an earlier year never arrived.
- 6
Still a charge you did not agree to? File your complaint here. We write it with you and send it to Santa Barbara Tax Products Group, so you do not have to chase it yourself.
Not in any of your accounts? If nobody in your household made it, someone else may have used your card details. Your card issuer can stop the card, so the charges do not continue.
Why does it say “TPG PRODUCTS SBTPG LLC”?
When you choose to pay for tax preparation with your refund (Pay with My Refund at TurboTax, a Refund Transfer at a tax office), the refund is not paid straight to you. The IRS or your state pays it to SBTPG, which takes out the preparation fees and its own Refund Transfer fee and sends you the rest. So the deposit carries SBTPG's names, usually TPG PRODUCTS and SBTPG LLC, instead of the tax agency. The Refund Transfer itself is a deposit product of Green Dot Bank, the bank of SBTPG's parent company.
When both your federal and your state refund go through SBTPG, each arrives as its own deposit, and at a tax office each carries its own fee. SBTPG can also take money out: for tax offices that use its Auto Collect service, it contacts a client whose refund never arrived and, without a response, debits that client's bank account for the unpaid preparation fees.
Why you might see this charge
- Your federal tax refund, minus the tax prep fees you chose to pay from it and the Refund Transfer fee.
- Your state refund, which arrives as a separate deposit when it also goes through SBTPG.
- A refund smaller than your return showed, because the IRS reduced or offset it, for example for an old debt; the preparation fees still come out of what is left.
- A refund advance loan you took at the tax office, repaid out of the refund before the rest is sent to you.
- A refund for an earlier tax year, when a tax office prepared that late return and you paid its fees from the refund.
- A debit, not a deposit: unpaid preparation fees collected through SBTPG's Auto Collect service when a refund you chose to pay a tax office's fees from did not arrive.
Is TPG PRODUCTS SBTPG LLC legit?
Yes. Santa Barbara Tax Products Group is a real refund processor owned by Green Dot, and it works with TurboTax and many tax offices. A TPG PRODUCTS or SBTPG deposit is normally your own tax refund, paid out after fees.
The usual problem is the amount, not the sender: fees, a refund advance or a reduced refund can make the deposit much smaller than expected. A message that asks you to confirm a refund or pay a fee through a link is a separate matter; check it against your own tax return and filing receipt instead.
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Questions about TPG PRODUCTS SBTPG LLC
Is a TPG PRODUCTS SBTPG LLC deposit my federal or state refund?
It can be either. Each refund that goes through SBTPG arrives as its own deposit. Compare the amount with the federal and state refunds on your return, minus the fees.
Why is my SBTPG deposit less than my refund?
SBTPG takes out the preparation fees you agreed to pay from the refund and its Refund Transfer fee before sending the rest. A refund advance is repaid from it too, and if the IRS reduced or offset your refund, the fees still come out of what is left.
Does TurboTax use SBTPG?
Yes. When you choose Pay with My Refund at TurboTax, Santa Barbara Tax Products Group receives the refund, takes the fees out and sends the rest to your bank account.
Why did SBTPG take money from my bank account?
If you chose to pay a tax office's fees from a refund that never reached SBTPG, the tax office can have SBTPG collect those fees later through its Auto Collect service. SBTPG contacts you first, at least a month after the refund was expected, and without a response debits your bank account.
What if I did not agree to the fees SBTPG took?
File a complaint on Complain.biz. We write it with you and send it to Santa Barbara Tax Products Group, so you do not have to chase it yourself.
Based on
- Federal refund hold: Santa Barbara Tax Products Group takes the prep fees and forwards the rest (TurboTax Help)
- Refund Transfer: fees, federal and state refunds, offsets, prior-year returns, Green Dot Bank (Santa Barbara Tax Products Group)
- Auto Collect: collecting unpaid tax preparation fees by bank debit (Santa Barbara Tax Products Group)
- Fast Cash Advance: refund advance loans deducted from the refund (Santa Barbara Tax Products Group)
- Reddit r/IRS: Deposit, Preauthorized CR TPG PRODUCTS SBTPG LLC
- Reddit r/IRS: direct deposit from TPG Products SBTPG LLC PPD
- Reddit r/IRS: Deposit TPG PRODUCTS SBTPG LLC
- Refund is less and comes from TPG PRODUCTS SBTPG LLC (TurboTax Community)