When borrowers pay off the loans early, they are entitled to a refund of some of the GAP insurance premium because the coverage they paid for is no longer needed. So not only did Wells fess up to forcing unneeded collision insurance on customersof which 2. A spokesperson for Wells told the newspaper that the issue was discovered during an internal review. We are reviewing our practices and actively working with our dealers and have already begun making improvements to the GAP refund process, the spokesperson said in a statement to the Times. If we find customer impacts, we will make customers whole. And they should. Failing to refund insurance money could wind up increasing the total amount owed by a consumer, as the Times notes, and that figure can take a whack on someones credit report. What a mess. Have a tip about Wells Fargo and its auto lending practicesReach out at ryan. Directed by Richard C. Sarafian. With Richard Harris, John Huston, Henry Wilcoxon, Percy Herbert. Left for dead after a bear attack, a furtrapper exacts revenge on. Spoilers for SpiderMan Homecoming. SpiderMan Homecoming breaks the Marvel timeline. From the very early moments of the MCUs latest hit, its clear.