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read what you agree to. when you used TT you agreed that if your refund did not arrive by a certain date TT would take the fees frim the alternate source you provided.
You can call in to get it deferred. Contact Customer Service
5am-9pm Pacific Time Monday - Sunday
https://support.turbotax.intuit.com/contact/
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.
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