The IRS is very slow this year to pay some refunds. They have been told to find tax cheaters and so going over returns much more carefully than in the past. You signed up to pay TurboTax on a certain day and the money was owed even if you did not get your refund yet. You will not have to pay the $40 or $45 fee because the money did not come from your return.
If you did not receive your refund, you need to contact the IRS and find out what is going on and when to expect it.
When you agreed to pay from your refund you also agreed to pay on a certain date if the refund was not received. When that happens the refund is taken from your bank account. You received three emails warning you that it would happen and giving the date that the withdrawal would be made.
