Complete drop in customer service over the years

When I used the service, they were fine, but it's been years. They were happily cashing my monthly payments while I didn't use the service. When I finally cancelled, they kept charging for another 2 months. I asked for a refund and they refused. Then I called my bank to dispute the charge and they apparently have a little used charge that only allows a dispute in 24 hours of charge. Awful customer service and a shame for a service that was helpful in 2020.