The Huntington National Bank Consumer Loan Complaint

The Huntington National Bank Consumer Loan department,

Vehicle loan Managing the loan or lease Indiana

I have an auto loan through Huntington Nat'l Bank. The loan was opened in - 2014. I carry full coverage insurance ( through private company ) on my vehicle, which Huntington is listed as lien holder, but learned today that Huntington is ALSO charging me $40.00 per month for auto insurance. I have never missed a payment, been late nor had insurance lapse at anytime. I was informed by a Huntington representative, that that is just something they do to protect their interest. I do not understand this at all!!! My private insurance protects their interest!!! Is this legal??? Also Huntington informed me that my payoff amount is more than what the balance of the loan is. How can this be???? Every month that I make my car payment, according to -, my balance is increasing $51.00, which is lowering my credit score! At this rate, the loan WILL NEVER be paid off. Please help me to rectify this situation. Thank you.