What to do if an auto finance company and GAP insurer are in conflict?

Question Details: Car was totaled 4 months ago. I have full coverage and gap insurance. I took all necessary reports and documents to the insurer, that paid what the car was worth, which left me with $1500 remaining on the loan balance. GAP sent a letter saying they would pay but my finance company said they haven't. In addition, I'm now being charged late fees for that $1500 remainder. I feel like I'm getting the run around from someone and I don't know how to find out who is at fault here.

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