After you file

Here's the point.  You obtained a service (tax preparation).  You have to pay for the service. 

 

If you had not used refund transfer, you would have paid for tax prep with a credit card before you filed, either online or by buying the boxed software in a store.  You pay for the service, you get the service, end of story.  Imagine going into Best Buy, picking up a boxed copy of the software, and telling them "I'll pay when I get my tax refund."  Isn't going to happen, is it?  Any more than you could go to Best Buy, pick up a gaming PC, and promise them "I'll pay when my Twitch stream starts making money."

 

You chose to use refund transfer.  You agreed that instead of paying before filing, you would pay after filing, plus a $40 service charge.  You also agreed that if your tax return was delayed, you would pay Turbotax what you owed.  Turbotax can't guarantee that your tax return will be processed at any specific time, nor can it guarantee that your refund will be paid.  (You might use incorrect information, or have an offset, there's no way for Turbotax to know.)  Turbotax isn't responsible for IRS delays.  You got a service, and you promised to pay "later".  Now, it's "later" and you have to pay.

 

If you don't like it, pay up front and don't use refund transfer.   This is only one of a dozen reasons why refund transfer is a bad idea, and I don't think you will find anyone on this board (except Turbotax employees) who will recommend it.