XXXX reported me paying a loan late 90 to 120 day. The loan was taken out with them and my truck was used as collateral. The truck was vandalized and salvaged by my insurance company and they were sent a check to pay off the amount. The check was XXXX short and the loan had gap insurance on it so the XXXX filed a claim and advised me they would notify me with anything further and they never did until they sent me to collection were I paid them because they never sent me or called me to notify me that the gap claim was denied.