Why am I being charged Premium for the FreeService; notes say I used Prem features? Why am I charged for anything w/o my upfront approval?

I responded "no" to all requests to upgrade and yet, I was still upgraded without my knowledge and I can not take the service off. Explanation said if I used the Premium features, I have no choice, but nowhere along the way did it tell me I was using Premium features. Intuit should warn the enduser that they are about to use Premium features before they are allowed to continue.