Why am I being charged without ever receiving my tax refund?

I haven’t received any of my tax refunds the last 3 or 4 yrs

Have you been filing tax returns for the past several years?   Were those tax returns accepted and processed fully?  Did the tax forms show that you were supposed to receive a refund?

 Do you owe back taxes or child support that has caused your refunds to be seized?   

As for being charged this time---is it this?

TURBOTAX TOOK MONEY OUT OF MY  ACCOUNT

Did you choose to have your TurboTax fees deducted from your federal refund?  Is your refund taking an unusually long time to arrive?  Or was your refund seized to pay a debt you owed? if so, you signed an agreement that says TT can withdraw its fees from your account.  TurboTax would have sent several emails to you before they took the money out of your account.

https://ttlc.intuit.com/turbotax-support/en-us/help-article/intuit-account-billing/bank-account-auto-debited-turbotax-fees/L3rDdVynu_US_en_US?uid=m6bdgedq

TURBOTAX SAYS:

How do you justify debiting my account?

The provision is spelled out in the Pay With My Refund Agreement, which you agreed to when you opted to pay with your refund.

In addition, by clicking the "I Agree" button below, you electronically sign and authorize Intuit (through its third party processor) to debit the TurboTax Fees, Additional Products and Services Purchased and any applicable sales tax from your bank account number identified in the Agreement below, in the event that you do not receive a tax refund that is sufficient to pay for them.

WHY DOES THE IRS SAY THERE IS NO RECORD OF MY RETURN?

https://turbotax.intuit.com/tax-tools/efile-status-lookup/ 

Sometimes people get confused by the “summary” given by TurboTax and use the wrong amount for the federal refund.  Make sure you are only using the federal refund amount, and not an amount that combined your federal and state refunds.  

Your federal refund amount is on line 35a of your Form 1040