Update on what happened with my situation.
Got a check last night for the March payment amount plus $50. Was told it would be the March payment and then a gift card for $50, but this works as well.
Doing the math, I mean why not, after the refund, we paid roughly $600 in total ($350 down payment and then $31 per pass per month for 8 months) for each Fl Resident Gold AP.
Had we not done the larger down payment, we would have paid $480. Not a big deal, but interesting to see how every scenario will not be the same.
I'm not saying they should give me an extra $120. That's a risk I took by taking the financing. We got 10 days out of the passes I think. So a tad cheaper than the 10 day park hopper pass, and we didn't have to use all the days by a certain point. I'll take it.
Still wish there was a better method than all the calling and emailing I had to do.