Hopper review: Hopper policy of fraud

In short, Hopper kept approximately $460 US Dollars by denying me a refund of flight a could not board due to the change country Covid 19 restrictions. I did pay for insurance just in case something happened, and I could receive a refund. I was denied a refund and instead they granted me carrot points and Hopper would keep a $100 Dollars, I had no choice but to accept since once again they refuse to return my money. I used about $550 of the carrot points which left me with a positive balance of $370 Dollars. They claim there is an expiration date even after I paid insurance for the trip, Hopper removed the balance to keep all of my money balance left. If you pay insurance for any inconvenience or something that outside of your control happened, then you are denied a full refund and coerced to give extra ($100) and then have Hopper tell you that you only have certain time to use the carrot points Hopper coerced you to accept, what good is to pay insurance if Hopper is not going honor it?

I contact them last week and they kept me on the phone for about 40 minutes and contacting me to different departments. Then mentioned they would call my number between 24-48 hours, they did not. I contact them and I got this person they obviously trained to stick to their excuse of why Hopper has a right to steal customer's hard-earned money.