I purchased a used car and purchased Gap ins also. When the car was totalled, Capitol one wanted me to pay the remainder of XXXX. I told them I had Gap ins. and they replied that I had tp pay them first and get re-in=mbursed. I refused. They then said I had late charges to pay and that was XXXX. They lied, car was all current, they then said i owed the XXXX ... for what I do not know. I will not pay since insurance was supposed too. It has been over 7 years and they still haveit on Credit Report.