Do you think this is a good idea, I am fed up with my bank?

I am extremely pissed off at the bank I use and am probably going to close all my accounts there, due to 2 of there incompetent employees. They were delaying the issue of a account I was trying to close since a automatic car payment was to be taken out the next day, Nov. 28th. and starting to be taken out from another account December 28th. The payment wasn't taken from the closed account so I was told to make a payment in branch since it wouldn't be taken from the other account til Dec. 28th. So I did. Then I noticed they took Novembers payment the next day. Now I am fighting the bank for the automatic payment they took out, that wasn't suppose to start til Dec. 28th. They said it can't be applied to December 28th payment because I am still going to have to pay that. I am so fed up, I didn't realize how ridiculous it would be just to close a account that I had with my daughter, and how the bankers are clueless and don't know there own policies. If they do not credit my account I am going elsewhere and was wondering if you think its a good idea to refinance the car through a credit union? Since its December I know it might be my only way not to make another payment this month.