Car loan company refuses to issue a refund for an overpayment?

Question Details: My girlfriend was in an accident which totalled her car. The other person's insurance company issued a check that paid all but $867. The dealership issued a refund check of $1190 for unused maintenance packages. The finance company applied $867 of that to the unpaid portion of the loan and issued a check of $323 to my girlfriend. About a week later, the insurance company that held the GAP insurance on the car issued a refund check for $781 because it was not used. Now the finance company refuses to refund that money to my girlfriend that is her money. What can we do?

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