Credit union refuses to give payoff balance for vehicle, advice please?
Hi all, 26F here. I have a vehicle that I bought at 20 years old for 26K. I am finally nearing the end of the contract I believe I am now under $10,000 but the credit union I went through has made the process of paying for my vehicle extremely difficult the lower my balance gets. Long story short when I took out the vehicle they also gave me a $1,000 credit card that I defaulted on (dumb college student please don’t judge me). I have full intention to pay the credit card off once I am closer to paying my car loan off.
The credit union shut down my access to online banking once that credit card defaulted, therefore I could no longer pay via app only via in person branch or bank wire. Which is fine I have no problem with that, today I called to make my payment and it was processed however they explained that they are now refusing to give me my payoff balance as I have to speak with one person who will give me the balance. This has never happened before I am usually able to get the balance from agents.
I called the person and of course her phone went to voicemail, I honestly have no idea what to do I will keep making my payments but is this ethical? I understand it’s my fault for defaulting on my credit card and I will pay it in full, I just feel like it’s unfair to make me go through so many hoops when I am literally just trying to get my car paid off.
Please any advice would help I don’t really have anyone else to ask this advice (hence the poor financial decisions earlier on in life). Thanks all.