I don't work for TurboTax, but I'll tell you how to reach them at the bottom of this posting. I'm a fellow user but have seen posts like yours many times from users who have had similar experiences. The fee for Premium Services is shown, I believe, in the Step 1 - Review your order section and in the Order Summary in that section. I have no way to look at it. I don't have a screen image, but I know a fellow forum helper who might.
Premium Services is not new. I've been answering questions about it for several years. It's added for Californians who chose to pay out of the Federal refund and includes the added benefits you mentioned. In California, that's the only way for filers to get the "pay out of refund" method.
For several years there has been a service fee to pay for TurboTax fees out of the Federal refund. In all states except California the fee is $40. In California, the fee is $45, where it is bundled as "Premium Services", which also includes Identity services, Audit Defense, etc. as part of the bundle.
FAQ: What is the Premium Services bundle?
https://ttlc.intuit.com/community/choosing-a-product/help/what-is-the-premium-services-bundle/01/255...
It's only added if/when a California filer chooses to pay the product fees out of the Federal refund. It can, however, be removed prior to filing, and then one could pay upfront with credit/debit card to avoid the $45 fee. But you say you have already filed.
This is a user community forum. Nothing account-specific can be handled here. You can discuss it with TurboTax Support by phone, if you wish. I don't know what they will say, but they may say that continuing to file indicated your acceptance of the terms. Here's how to reach them during business hours:
Hours are 5AM-9PM Pacific (8AM-12 Midnight Eastern) 7 days/week.
FAQ: What is the TurboTax phone number?
https://ttlc.intuit.com/community/using-turbotax/help/what-is-the-turbotax-phone-number/00/25632
Or use this contact form to be assigned a phone number. Indicate your product and in the issue line say billing issue without quotes.
https://support.turbotax.intuit.com/contact
