Most vehicles have an internal vent valve in the gas tank. If that vent valve sticks, or the vent tube gets clogged or kinked it will cause refueling problems as the vapors cant escape through the vent system and the entrapped fuel vapors cause the fuel nozzle to click off before the tank is full. I'm not sure how to unstick a vent valve. Maybe a few hard smacks on the tank with the hand?? Otherwise, I would start by replacing the least pricy parts in the vent system and end with the fuel tank replacement if you can't live driving with half a tank of fuel all the time.
Also, some people like to top off their tank that is already more than 3/4 full before a long trip and often find they cannot top off the tank. That is not the norm but is not uncommon.