Our car was totalled on 11/01/2019. Geico paid of...

Our car was totalled on 11/01/2019. Geico paid off their portion on 11/19/2019. The dealership issued GAP policy finally paid off their portion 2/20/2020 and the dealership their insurance products refunds on 2/25/2020. Because this took the dealership, and World Omni over 3 months to exchange paperwork, World Omni now wants 3 months of late fees. If my insurance company can do their job in 19 days, then why can't the internal network of the dealer and world omni need 3 months to do the same job? How dare you want to charge the customer for your incompetence. And by the way, the only way it got resolved was because I spent 8 hours on phone calls and emails between the GAP company, SETF, and Earl Stewart Toyota and It was magically resolved in 1 DAY of my work, your thousands of employees combined couldn't get it done in nearly 4 months.