Billing not clear

Ok ... first if you owed taxes then you could not have used the refund processing option.   And how could TT possibly know you had an offset and that you would not be getting a refund at all ?   Did you even know ?  

Next, the federal return may have been free but the state was not and the refund processing fee was not so those are the fees you agreed to BEFORE you filed ... if you did not like the fees you should have asked about them at that time not this late in the game. 

Bottom line is you used the TT program and filed the return and TT needs to be paid ... you said you would no less than 3 times in the program ( hopefully you read the disclosures you were agreeing to at least once).  Read the email that tells you what to expect if you do not make the payment prior to the debit.