When you signed up for Pay with Refund, you agreed to let TT take its fee if your refund was delayed beyond a certain point. You have already used TT's services, and it cannot wait indefinitely to be paid. What if you never get the refund?
As for tax refund delays, see:
Tax refund delays: Backlog of tax returns is growing, tax advocate says - CBS News
Where Is My Tax Refund?' Millions of Americans Are Waiting for the IRS to Pay Up | Morningstar
IRS backlog of tax returns is growing ahead of filing deadline (msn.com)
Overtaxed IRS Warns of Long Delays For Millions Of Tax Refunds (moneywise.com)
IRS is holding millions of tax returns, delaying refunds (msn.com)
