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The CFPB said U.S. Auto Sales had sold GAP to customers from February 2017 to October 2022 and bundled the cost into their auto loans. U.S. Auto Sales charged customers up front for the cost of GAP coverage running the entire loan term, which means consumers would merit a refund in situations where the loan didn't go the distance, according to the CFPB. But if a customer paid off the loan early, USASF Servicing allegedly did nothing unless the customer requested a refund specifically. This cost about 5,600 customers at least $6 million collectively, the CFPB said. USASF Servicing customers could obtain it for about $100 a month by buying it along with the vehicle or having it automatically applied if they lost their traditional comprehensive and collision insurance on the vehicle.