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Sounds like the IRS is taking too long to send your refund or reduced it. See What if the IRS reduces your refund or delays it.
https://ttlc.intuit.com/community/payments/help/what-if-my-federal-refund-isn-t-enough-to-cover-my-t...
Then when the IRS does send your refund they won't take the fees out again.
And, Why you got charged,
https://ttlc.intuit.com/community/charges-and-fees/help/why-was-my-bank-account-auto-debited-for-tur...
You should have received about 4 emails asking for the fees. If you don't pay they will debit your account. You had to agree to it.
If you can't afford to make the product fee payment right now, you should phone TurboTax Support ASAP to ask for a deferment. Once they start the bank debit process they can't stop it, and they start it 2-3 days ahead of a debit date. So hopefully you'll be able to make an arrangement with them.
Hours are 5AM-9PM Pacific (8AM-12 Midnight Eastern), 7 days/week
FAQ: What is the TurboTax phone number?
https://ttlc.intuit.com/community/using-turbotax/help/what-is-the-turbotax-phone-number/00/25632
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