It was your choice to use the Refund Processing service which ALL DIY income tax programs offer ... this was never a requirement and I agree the fees are outrageous ... always pay the fees upfront with a CC.
Next ... why pay the fees at all ? If you qualify the IRS has 10 FREE FILE options ... check it out : https://www.irs.gov/filing/free-file-do-your-federal-taxes-for-free
