I have not received my refund yet it’s been 12 weeks but TurboTax took out their fees from my checking account directly. Why?

[SweetieJean]

When you signed up for Pay with Refund, you agreed to let TT take its fee if your refund was delayed beyond a certain point.  You have already used TT's services, and it cannot wait indefinitely to be paid.  What if you never get the refund?

[VolvoGirl]

Sounds like the IRS is taking too long to send your refund or reduced it. See What if the IRS reduces your refund or delays it.
https://ttlc.intuit.com/community/payments/help/what-if-my-federal-refund-isn-t-enough-to-cover-my-t...

Then when the IRS does send your refund they won't take the fees out again.

And, Why you got charged,
https://ttlc.intuit.com/community/charges-and-fees/help/why-was-my-bank-account-auto-debited-for-tur...

You should have received about 4 emails asking for the fees. If you don't pay they will debit your account. You had to agree to it.