TurboTax is a software program that allows you to prepare your return. If you choose to have you fees deducted from your refund you agreed to pay the fees to a third party bank as disclosed in your tax return. Part of the agreement states that TurboTax will deduct the fees from your account if the IRS delays your refund. TurboTax gets no information from the IRS after the return is filed and has no knowledge of offsets or other adjustments made to your account by IRS.
TurboTax is a business not a government agency and expects to be paid for preparing the return. Any software that allows payment for fees from refund follow the same rules.
