My Credit Union made many errors on the TIL total amount was incorrect by a significant amount for my auto loan. they also claimed to have security on my vehicle from the credit card and line of credit agreement i previously had with them. I want to sue them for violating the TIL act and for claiming to secure my vehicle. It was a refinance in Aug 2007, filed a complaint with the NCUA earlier this year and the credit union admitted to its mistake but then tried to insist they could hold my title until mastercards and line of credit was paid off.