This is mainly a user community forum. You'll need to phone TurboTax Support during business hours for help with your overdraft and fee issues. Nothing account-specific can be handled in this user community. It sounds like your girlfriend used one of the paid products instead of using one of the 2 free products.
Did your girlfriend choose to pay her product fees out of her Federal refund? I'll leave a FAQ below that tells you why a bank account would be auto-debited if a refund has been delayed an unusually long time at the IRS. It sounds She should have been getting emailed bills asking for payment or to contact support to request a deferment, and finally an email warning the bank account was to be debited. See the second FAQ below).
You can appeal any overdraft fees, however. But you'll have to talk to Customer Support. Actually if all is this is on the girlfriend's behalf, she's the one that will need to talk to them. Or you both can be on the line together. But this cannot be resolved on a user bulletin board, so phone in during business hours.
Support 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
Also see this:
FAQ: Why was my bank account auto-debited?
https://ttlc.intuit.com/community/charges-and-fees/help/why-was-my-bank-account-auto-debited-for-tur...
