<prompt> Human: I recently bought a car from a dealership big mistake, will never do again and have since refinanced my car. The lender that I refinanced with was kind enough to tell me that I needed to contact the dealership to get the refund for my gap insurance. Of course, this is not easy. The dealership takes forever to respond and is requiring me to verify the loan was paid off with a confirmation that has the cars info on it. The bank wont send me a confirmation with anything but the account number on it.I dont really have a question, but wanted to bring this to peoples attention because it is nothing other than a scam. I should have skipped the damn gap insurance because I could have afforded to eat the loss, but it was so inexpensive. I will never buy a car from a dealership again. I am convinced that they all fit the caricature that we think of when we think of dealerships.Assistant: I guess Im confused how this is a scam in your eyes. They offered you a product gap coverage, you purchased the product willingly. When you contacted them to refund the coverage, they told you exactly what you needed to get the refund... and your bank isnt able to provide that information why, exactly?This is not a scam, this is you not understanding what you purchased. Human: Its a scam in that you have to contact the dealership for the refund and then, at least in my experience, they are making it very difficult to get the refund. I signed 1,400 pieces of paper when I bought my car. I even mentioned refinancing to the financing guy at the dealership when we were filling out the paperwork and he didnt mention the gap refund. You know dealerships bank on people having no idea that they are responsible for getting the refund. Its a scam. Yes, one you can avoid by reading everything they give you, but a scam nonetheless.  <response>: Its a scam in that you have to contact the dealership for the refund and then, at least in my experience, they are making it very difficult to get the refund.How else would they know you want to cancel the coverage? And didnt you say that YOUR bank is not providing the info needed? I signed 1,400 pieces of paper when I bought my car. Its more like 5-10, depending on if youre getting extra warrantiescoverageetc. And most of those are required by your state, so kinda hard to blame the dealer. And if you thought that was bad, just want until you buy a home. Its a scam. Yes, one you can avoid by reading everything they give you, but a scam nonetheless.Im willing to bet they told you about the coverage and you glossed over it; regardless, YOU and only you are responsible for the contracts you sign. Not reading it is zero excuse.Im sorry, I want to feel for you, but youre throwing around SCAM! when its pretty clear its a case of you not understanding what you purchased and then getting upset when YOUR bank wont give you the info needed to refund it. 