Unfortunately, Social Security wages doesn't necessarily have to match and the computer program isn't going to catch that discrepancy. Also, you may pay a small penalty, but most of the additional taxes owed is due to the under reporting of income. Regardless if TurboTax caught the mistake, tax would still be owed to the government. TurboTax guarantees accuracy based on the data input into the return, but they won't pay taxes that were under reported.
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Garbage In Garbage Out. Please hire a professional next year to prepare your tax return!
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"If anything the "wages, tips, other comp" could be more than the other two but definitely not LESS." Employees who get a lot of tips such as those working in casinos or hair salon generally have higher numbers in the Social Security and Medicare boxes than in the wage box.
By your logic, I should buy TurboTax and put in $1 in the wage box. Then, Intuit, the maker of TurboTax would have to pay my income taxes for me.
If you read the guarantee carefully, the guarantee is for errors made by the program not by the user. Here, by your own admission, you entered a much lower income. If you had entered "28,564" but the program used "20,564" to calculate the taxes, that would be covered by the guarantee.
The facts as stated in your post point toward an error made by you and for which you are liable to pay.