So you filed really early if you say your return was accepted on January 22. Filing early can be a recipe for waiting a long time for your refund, since the returns filed early are sometimes subject to extra scrutiny to prevent fraud and identity theft.
When you chose to have your fees deducted from your federal refund you signed an agreement that says if your refund takes too long, TurboTax can take their fees out of your bank account.
What does it say about your refund on the IRS site?
To call the IRS:IRS: 800-829-1040 hours 7 AM - 7 PM local time Mon-Fri
Listen to each menu before making the selection.
First choose your language. Press 1 for English.
Then do NOT choose the first choice re: "Refund", or it will send you to an automated phone line.
Instead, press 2 for "personal income tax".
Then press 1 for "form, tax history, or payment".
Then press 3 "for all other questions."
Then press 2 "for all other questions." It should then transfer you to an agent.