Columbia Credit Union

I have never experienced such awful customer service! First I can't call and pay my Auto Loan over the phone because the processing of the transcation is to expensive so I have to wait until I'm 15 days past the cutoff to call and pay. Then when I call and pay the first thing the lady says is I will allow you to pay on the phone this once then next time you will have to do it online? (BTW the website is awful to use) So she takes my CC number and says is this a visa? I said yes and she told me that they don't accept Visa for auto loan payments????? How is that a thing?? I will say if I lived in state I would walk in and pay but I live in Alaska and paying with a card is the easiest way... I thought!