I shouldn't owe you money!

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I'm really frustrated at the company that holds my auto loan. We had two cars through them, we've had both cars for about a year. Back in October my husband decided to give his car to our son, and hubby went and got a new car. Our son was to take over the payments on hubby's car. In November my son totaled the car we'd just given him. In December I made the car payment as scheduled because the insurance hadn't sent in the payoff check yet, and I didn't want a late payment as the loan was in mine and hubby's names. I do not want a black mark on my credit report. We just found out this month that we still owe money on that car.. and I can't figure out why. I can see in the transaction history that after I made December's payment, we got a refund from our warranty and that paid another $500 on the car loan. Then in January the insurance company sent the payoff amount. We also had Gap insurance which should have paid the remainder of the loan. Hubby called the company and they started saying something about we had missed a payment so X amount had to go to catching us up... We never missed a payment and they got 2 payments in December, one from me and one from our warranty reimbursement. Then they said the Gap insurance loses value over time, so instead of covering the full amount of what was left over, it only covered about $300. In the end we owed about $140, which isn't much, and it pays the car off.. but I'm ticked that I owe anything at all! What's the sense of having Gap insurance if it isn't going to cover every dime of what's owed after a car is totaled?? I also see in our payment history that the transactions from the warranty and insurance were applied, then reversed, then reapplied later. I'm sure this added to the finance charges we had to pay.. Had they not reversed those payments I'm sure the vehicle would have been totally paid off. But they didn't want to give us any straight answers as to why we still had a balance left on the car. Probably just a ploy to get more money out of us.. As if the fact that I have a really high interest rate on my van isn't good enough for them to get money from us!! I really wish I could refinance my van with someone else and not have to pay this company another dime as they're so infuriating! Unfortunately when I try to refinance the van I'm told I owe too much on it.. which is due to purchasing the extended warranty, and the fact that I do have a high interest rate so I'm not paying the principal down enough each month (it was our first auto loan in like 20 years! Our credit wasn't really great when we got it). The payment is pretty high so I can't really afford to put anything extra on it to get it paid down faster.. otherwise I would as I know that would save me over time..