Legal Question in Consumer Law in Texas

I purchased a vehicle in 2008 and $15500 was financed by my credit union. I signed a promissory note to pay back that amount with 16.5% interest at $330/month. The high interest rate was based on my credit at time, but now that I have better credit I decided to refinance. While I was trying to apply for a refinance, I could not find my loan "term" in any of the documents that I signed in 2008. I thought I remembered the loan officer saying I would have a 5 year term; however, I called the credit union and was informed that the term of the loan was 48 months. 48 months is also the term that is listed on my credit report(s). This should've been good news for me, but when I saw that I still owe over $12000, I became very concerned. I have spoken to loan officers at the credit union and they have told me they would research it and get back with me. It's been over a week and I have yet to receive a call from them. Now I fear that I will be paying on this loan for several more years or I will be asked to make a large payment at once. I am not content with either once of those scenarios. What should I do?

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