A credit union financed a car note for me. I never knew them before the loan transaction and I only have the car note there. Recently, my payments seem to not lower my loan balance as much as it should, meaning they are charging me for something I cannot see. I asked for online access to my history so I could check it. They said I had to open a depository account in order to have that feature. How can I concisely ask for my history so that I can figure out what is going on? Can they refuse to provide that?