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First time I called, they said it just hadn't arrived yet, and that it usually takes about 3 months. Well, that was at about the 3 month mark, and about 3 months ago. This is my first time paying off the loan before trading it the vehicle. Have bought some crappy cars in the past. So, if...

No reason. First few times, they said it just hadn't arrived yet. Last girl said the thing about making notes that I wanted it. Nothing about when I should expect it, or if they would even send it.

Had a car loan with a local credit union. Paid it off. Actually overpaid it because the first time I paid it off, they decided to assess interest, even though a payoff was agreed upon, then they charged a late fee on the interest. They also decided to pocket the amount I overpaid the second...