The credit union made a mistake with my auto loan.

I was a newly single mother in the military when I purchased a small suv. Within that year, I separated from the military and decided to move back to my hometown for help with my kids. I didn’t have much in savings, just enough to pay rent upfront for six months. I thought I would find a job easily, but I didn’t. At the time my savings ran out, I moved back in with my parents. I had not made a payment on my car this entire time since separating, because I couldn’t afford to. I never received a phone call or notice of late payments or anything. After looking over my shoulder for yet another year (2 years since I bought it), I was checking my credit online and saw my car was marked as paid off a year ago! I called the credit union the next day, told them I never received my title and they told me I can pick it up at a local branch or they can mail it to me. So I told them I could pick up the title the next day instead of them having to mail it, I didn’t want to take any chances. I drove 3.5 hours the next day to the closest branch and had no issues picking up my title. I had only paid 10 or 11 months of the 60 month auto loan and fully expected the car to be repossessed at any time, but I was young and barely making ends meet back then . This was 20 years ago, but I had that car for about 15 years before it finally died on me and I had to buy a new car. I got my undergrad, bought my first house, and taught my older kids how to drive in that car.