JM & A Gap insdurance They claim to have sent a payment in August and cancelled uncashed check on 11/13/2020. Today my credit union has not received payment and the late payment is reflecting on my credit fl orange city

After recieveing a statement from my car loan, the bank has let me know that the check from my car insurance was received in early august but the Gap insurance through JM &A was never recieved. I called JM&A on 11/13/2020 @ 1:53 pm and spoke to Cassandra regarding the final close out/total loss payment. She stated a check was mailed On sept 30th,2020 and would be making a stop payment this same day. Today the 27th of November, the sepemteber the check or the new check that was supposed to be processed from this Gap Insurance still has not been recieved per the Car Loan Company.

This late payment is now hitting my credit as a late payment and I would be responsible for the two months of payments. If payment is received from JM&A i would get some refund back. How is it Accounts payable did not look into this uncleared payment for these two months? 

After reading reviews.....im affraid this will not get taken cared of by the Gap Insurance i was assigned too. It is unfortunate that i worked so hard on my credit, had my first loss on a car, and used my Gap Insurance for the 1st time and i am having such a hard time getting my account closed.