Just Fly Flight credits were 100.00 less than my total and they tried charging me another 100.00 for handling fees Bellevue WA

I booked flights from charlotte NC to Orlando and back . The COVID-19 hit and Disney world shut down and one of our flights was canceled. So I called them and ask for a refund or a credit so I could book on another date . In my booking I purchased the insurance to cover cancellations, etc - After 3 phones and and  multiple arguments with someone i could barely understand , I received  a credit, so I thought . (minus 100.00 of the total ) 

When I went to use my credit,  they said that I couldnt use it until I paid the 25 per person handling fee ( total of 100.00 ). I ask what was my insurance for and they said that I would have to contact them to get reimbursed for it but I had to pay it up front in order to even use my credit to book another flight . I then ask why my credit was 100.00 short of the total I paid and they had to answer for that .