If your refund included earned income credit, additional child tax credit, or stimulus, your refund is expected to be delayed. See Why is my IRS refund taking longer than 21 days?
When you agreed to have the fees come out of your refund, there was a section about not getting the refund then the fees will come out of your bank account.
You can ask for a deferral for taking out the fees. You can fill this form out for someone to call you.
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