Couple signing papers for a vehicle purchase

A car owner paid off their 2024 Honda Civic in full more than a year ago. Since then, their lender has been sending repo agents to take the car and insisting it can’t see the payment, even after being shown bank statements proving it went through.

The lender’s own records don’t add up. They list a contract date from 2002 and a payment from a bank the owner never used, and the owner is now so worn down that they’re thinking about getting rid of a car they love just to make the problem go away.

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A 2024 Civic Paid in Full

The owner paid off their 2024 Civic in July 2025. For most people, that moment brings real relief, since it means no more monthly payments and full ownership of the car.

Paying off a newer car is a big financial accomplishment. Depending on the loan, it can mean thousands of dollars saved in interest and extra breathing room in a monthly budget.

Bank Statements as Proof

The owner made the payoff from their Truist bank account. They still have the bank statements showing the payment leaving their account.

That documentation should have been enough to settle things. In most cases, proof of a completed payment is all it takes to clear up confusion with a lender.

Repo Agents Two Months Later

About two months after paying off the car, the owner started hearing from repo agents. The lender had sent them out to find and take the Civic.

Having a repossession hanging over a car that’s already paid for is stressful. It also puts the owner at risk of losing a vehicle worth thousands of dollars, even though they don’t owe anything on it.

A Payment the Lender Can’t See

The owner contacted the lender several times. Each time, they were told the company couldn’t see the payoff payment in its system.

Even after sending the bank statements, nothing changed. The lender kept treating the account as unpaid and kept sending repo agents.

A Complaint to the CFPB

Frustrated, the owner filed a complaint with the Consumer Financial Protection Bureau. They hoped that having a federal agency involved would push the lender to fix the problem.

The lender did respond, but its answer only made things more confusing. Instead of acknowledging the payoff, it provided information that didn’t match the owner’s account at all.

A Contract Dated 2002

According to the lender, the vehicle service contract started on July 6, 2002. That date makes no sense for a 2024 car, since it’s more than two decades before the vehicle was even made.

The mismatch suggests something went seriously wrong in the lender’s system. It could be a data entry mistake, or the owner’s account may have been mixed up with someone else’s records.

A Payment From the Wrong Bank

The lender’s response also tied the payoff to a $1,000 payment from Wells Fargo. The owner didn’t have a Wells Fargo account when they paid off the car, and they used Truist instead.

That detail makes it even more likely that the lender is looking at the wrong information. Meanwhile, the owner’s real payoff, documented by their own bank, still isn’t being recognized.

A Car They Want to Get Rid Of

The lender has now told the owner that they want the car turned over before they’ll even discuss fixing the problem. That means risking a paid-off vehicle on the hope that the company eventually sorts out its own records.

After more than a year of this, the owner is exhausted. They love their car, but they’re so tired of the stress that they’re seriously considering selling it just to get away from the lender, even though that would mean giving up something they’ve already paid for in full, and they’re still not sure what laws or steps could finally make the problem stop.

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