Why did TurboTax charge my account?

My checking account has now over-drafted because of the $80.00 fee being charged for filing my taxes. I opted-in to have the fee deducted from my tax return and NOT from my checking account. Also, I filed my taxes in January so why is this JUST NOW being charged and to top it off— right in the middle of this COVID-19 pandemic? It’s bad enough that my family and I are already financially affected and struggling from that alone so this charge is definitely not helping us at all!