Protective Asset Protection Deceptive practice Nationwide

I had cancelled my agreement mid-term. Per the cancellation policy, the partial refund was to be paid to the bank (Chase Auto). When I found the bank had not received the check, I contacted Protective and was given the amount, check number, and date mailed. A while later I again contacted Protective and this time I was told that checks aren't sent directly to the bank and that it is the car dealer's responsibility. I was told this by two different representatives. Upon inquiring with my car dealer, I found this to be absolutely not true. It is now a month and a half, and my bank still has not received the check. This is obviously a ruse so Protective can hold the funds longer to receive interest. Here is an email received showing the deceptive lie:

Thank you for contacting Protective. Please be advised our records show contract number MPP00-(((redacted))) was canceled on November 9, 2015. Please be advised that Scotti's Auto Sales are responsible for refunding of your canceled contract to your lender and the confirmation of your cancellation will be mailed to the issuing dealership after the first full week of December 2015. Please contact Scotti's Auto Sales after the 15th of December 2015 for any questions about the refund of your contract. If you have any questions, please do not hesitate to contact us at 800-323-5771 for assistance.

Best Regards, Linda G. Team Support Specialist

Customer Support Department Phone Number: 800-323 5771 Fax Number: 205-268 8665 cusomtersupport"at"protective.com