Not HR Blocks fault
HR Block is a reputable company.It is not their fault that people file and use the bank products offered to pay for blocks fees that they don't have when they file their return.
If you have hidden past it will catch up with you. Back child support, school tuition not paid or other outstanding debt. If you don't get back your finance charges when being kicked down to RAC. It is HSBC bank that you should deal with.
They are supposed to adjust the finance fees.Once it leaves the HR Block Office it is in the hands of the Bank.