I talked to the IRS and they said my refund was sent to Civista Bank in Ohio April 19th and it hasn't been deposited into my bank account yet. I want to talk to someone.

Since you requested to have the TurboTax account fees deducted from your federal tax refund, the IRS will send the refund to a third party processor to have the fees deducted.  The third party processor will then deduct the fees and attempt to direct deposit the remaining refund balance into the account that you entered on your tax return.

For the status of your tax refund you will need to contact the third party processor, Santa Barbara Tax Product Group, using their website - https://cisc.sbtpg.com/index.aspx

Tax Products Group Contact Information - https://help.sbtpg.com/hc/en-us/articles/230084587-Contact-Information

I just happened to have decided to track down to make sure I received my refunds this year. Normally because I provide my bank account, I assume they get deposited automatically. I realized I never received my 2021 federal return, and after an hour on the phone with my bank and IRS, I learned my deposit went to CIVISTA bank on May 4th, because I elected to get my Turbotax fee deducted from my return. Civista bank never bothered to send the money to my bank account, and if I didn't noticed not sure anyone would bother to notify me.

I have been using Turbotax for years, and this was the first time I chose to allow them to deduct from my return.  I'm sure there are many people like me who notice very late, or not at all that they didn't receive their returns. Where does the interest earned on this money go in the end? I hate to say it but this is almost a scam.