Kemba Credit Union REFUSED TO DIRECT DEPOSIT MY IRS REFUND! West Chester, Ohio

I have been a Kemba customer since 2009.  Today was the last straw.  I am out of town for several weeks, and the first thing that happened was my card would not work once I left town.  Found out they froze my card for "security purposes."  Had to call Kemba from gas station in Georgia so I could buy my gas.  Thank goodness it was before the bank closed.

Then, today, they sent back my direct deposit IRS refund because I have a joint tax return
with my husband, and my account only has my name on it.  NEVER EVER was  this a problem before, not there, not anywhere.  REFUSED to bend.  My refund went in last year no problem.  Their response was "we made a mistake last year, it should have been refused."  REALLY?  I had no prior notice from them whatsoever on either of these things. 

There have been other instances that have happened before; these are the last straws.  Last year, they sent me a letter with notice of NSF charges on a business account I had closed the year before.  They charged me because I didn't keep enough money in it.  The account was closed for all that time and I never received anything from them until the charges got pretty high.  I was out of town at that time, also.  I was able to prove I had closed that account, so they had to refund my money. 

I am 1000 miles from home; they told me the ONLY way they wouldn't send my money back to the IRS is if my husband came in to the branch personally and I added him to my account.  Of course, that wasn't possible!  I have cashed checks before with both of our names on it and they have his driver's license and signature information on file.  When I asked for the manager named "Ally" to call me back about this, I received no return call.  Plus, as soon as I had hung up with them, they released my money back to the IRS.  They were very rude and nasty about it.  Hey, we are sorry but too bad for you.  Told me they should have sent it back last year, too.  It will take at least 5 weeks to have the IRS send a check to my house now.  I needed the money TODAY not 5 weeks later. 

Now, I am out of town without my refund I was depending on to pay my bills while here.  They have caused me much anxiety over this and it's NEEDLESS.  I have never gotten any notices regarding the "mistake" from last tax season, nor did they send me anything about freezing my card when I left town...all in the name of "we are protecting your accounts from fraud."  Well, the only fraud I am seeing is with KEMBA!  I had no reason to believe they would refuse to deposit my refund.  Had I known, I would have closed my account with them BEFORE leaving town for 4 weeks.  I will be closing it as soon as I arrive home.