Fun story: I need to sell my 4Runner to pay for all the upgrades to my Jeep. I misplaced the title for it during my move to Colorado. I went to the CO DMV and they said I had to get a replacement one from DC. DC's website said my 4Runner still has a lien on it. DC SENT ME THE TITLE 6 YEARS AGO.

I called their customer service line and they said I have to ask the lender to send me a letter that says there's no lien against it. This is despite me telling them THEY (DC DMV) SENT ME THE TITLE. I even gave them the TITLE NUMBER. So, no chance of me paying my credit cards off in time.