Desert Schools - Branch in San Tan Valley, AZ

so beyond frustrated with this CU. I've been with them for just over four years now. Everything was great until I had my car refinanced with them. First I was talked into some sort of protection where if I lose my job they'd cover the payment for up to three months. I was laid off applied to skip one month while I looked for a job. I did find a job but got turned down because I didn't miss more than 30 days of work. There is a monthly fee of just over $20 a month and I still got turned down? That should be explained when it's being offered. I've called my local branch since I recently traded my car in and I was inquiring about my gap refund. Prorated of course like the dealerships do. They refuse to return my call so I called the call center and spoke with someone, who was new so I was put on hold a bunch of times. First she got my info after I explained my reason for calling and I got questioned about my last gas purchase, I told her my information and she explained the price was right there were no additional charges. I wasn't asking about my gas charge, my car loan! After we got on the same page I was advised to go to my branch to sign the waiver to get my refund then asked me to hold yet again, then came back and stated that I would of have to if cancelled after the first 60 days. Cancel? I traded my car in, I've always gotten my prorated refund back? I was beyond mad at this point and then she had the nerve to say they are having a special if I wanted to apply for a visa!! Seriously?!?