This is my second time reporting XXXX XXXX XXXX XXXX. There is a balance of {$860.00} that reflects on XXXX/XXXX  credit reports and {$860.00} with XXXX. I do not owe them any monies and this needs to be updated on all three of my credit reports to reflect a XXXX balance and that my loan with them was paid in full. 

I had a car accident in XX/XX/XXXX and the vehicle was a total loss. The insurance company paid a cash value of {$7000.00} for the vehicle and GAP Insurance paid {$4200.00} which left a balance of {$1600.00}. Although I had the car accident I continued to make my monthly payments after the accident and after the insurance checks was sent to XXXX XXXX XXXX XXXX. 

GAP informed me that I was due a cancellation refund of {$340.00} for the GAP insurance policy and this refund would come from the lender ( XXXX XXXX XXXX XXXX ). When I requested the refund from XXXX XXXX XXXX they would not refund the {$340.00}. They stated I need to get this refund from the dealership because the dealership did not send them the {$1000.00} down payment. If the dealership did not send them the {$1000.00} down payment that is not my fault because I paid the down payment and they shouldve collected their money from the dealership. 

The GAP refund should be refunded by XXXX XXXX XXXX because the GAP policy payment is in my contract which my contract Is not with the dealership. I did not pay my monthly car payments to the dealership they were paid to XXXX XXXX XXXX. 

XXXX XXXX XXXX sent me a letter stating I owe them {$950.00} which Is incorrect. I dont owe them anything because I made my monthly payments of {$400.00} and if they wouldve issued the refund for {$340.00} which would leave a balance of {$59.00}. The last payment of {$400.00} was not paid to them because they would not issue that refund that they owed me. 

Also, I dont owe the {$59.00} because they were charging me outrageous late fees, when their late fees are {$20.00}. Sometimes I was charged late fees from $ XXXX {$190.00} plus dollars. When they added the late fees to my account although I was making monthly payments my principal was being inflated and not decreasing due to the APR. Sometimes I was charged a late fee when I was making my payments on time or paid extra towards my loan. When I questioned them again about the late fees in XXXX, they stated the late fees was charged to my account because they switched to a new system when they merged or purchased XXXX but they never refunded the late fees to my account. Im not a Finance Major, Mathematician or CPA but I know by them charging those late fees to my account was wrong. 

If anything, they owe me money. Attached are a few statements reflecting their actual late fee is {$20.00} and the statements with the outrageous late fees which will show how my principal increased not decreased. They need to zero out the balance because this is affecting my credit and I cant get loans because this is showing as a debt that I currently pay This is my second time reporting this company for their bad business practices. They should be dealt with the same way as XXXX XXXX because they are doing the same things as XXXX XXXX when it comes to their auto loans with consumers. XXXX XXXX XXXX is the same. They do not issue refunds for cancelled GAP policies ( same as XXXX XXXX ), charging consumers late fees when they are making their payments ( same as XXXX XXXX ). Ruining consumers credit by reflecting/reporting inaccurate information on consumer credit reports ( same as XXXX XXXX ). 

Attached are documents supporting my complaint : Copy of my Purchase Agreement Contract Down Payment receipt GAP Addendum/GAP Claim Calculation Claim Settlement Letter/Copy of Check Deficiency/Surplus Letter from XXXX XXXX   Letters from XXXX ( 2 ) XXXX/XXXX Satements Bank payments from XXXX XXXX Credit Report Balance