<prompt> Human: On November 21st, 2015 112115 I lost my Toyota Prius in an accident. Totaled. My insurance company took their sweet time processing the settlement, but eventually December 22nd it was finalized, and the settlement was submitted. Since the balance of the loan was not covered entirely by the settlement amount, the GAP insurance was supposed to cover the rest of the loan. In December, i made my car payment, as suggested by the customer service employee, since the settlement hadnt posted yet, and my insurance company wasnt in any rush. After receiving the settlement, i called again to get the status of the GAP insurance, and was told that it would be taken care of in 7-10 days. Explicitly told NOT to make any more car payments, and id be getting a refund for whatever payments i made after the date of loss. 2 weeks later, still saying my loan has a balance, so i call again, get told that i need to call my dealer and cancel my maint. agreements. Okay, but when i called the dealer, they yelled at me. Literally. Well what the fk do you want us to do about it? it has nothing to do with us, call Toyota I called Toyota, got a different rep, was told again it would be 7-10 days and they had everything they needed. Well some more weeks, balance still there, next due date coming up, i call again, ask for a supervisor. He tells me they are waiting on my insurance breakdown of the settlement. I have that! SO i fax it over, the man confirms that he received it, and everything would be complete by the end of the week, and not to make a payment on the vehicle. Well now its a month later, i just got a letter in the mail saying im going to default on my loan I owe 1000 in the last 3 months of missed payments. I am deploying in a month and have no means of rectifying this. I dont have a thousand dollars to just spend on a car that has been totaled for 3 months and hope for a refund from an obviously disorganized and unreliable company. I dont know what to do, and this really isnt what i was hoping the last month before leaving would be like. : EDIT: I would just like to thank all of you kind and well-informed folk for your support and suggestions. I have gotten in touch with the BBB and the CFPB, in addition to sending a few emails and getting into a conference with the GAP, Total Loss, and one of the supervisors. Hopefully things will be resolved soon. I owe you all a beer, and my very best wishes. P.S. sorry for the misleading title : Assistant: since youre military facing a deployment, a judicious call to your local congresscritter might get something rattled for you. nobody wants to be seen screwing members of the military.Human: Ill have to look into it! Thanks for the suggestion!  <response>: You should also have a JAG, CFS, and Fleet and Family or whatever it is called for the Army. Good resources. 