Well the loan company is my bank, Navy Federal credit union, and can't I just report the car stolen, or send a Repo to get it, because they are not paying for it at the time
It is the same as if you didn't make your payments to the NFCU. Could you report it stolen? You are the guarantor to the bank It is still your loan. There most likely is a non-assignment clause that means you are still liable for the loan even if someone has converted it.
This is all if the people who "assumed" your loan are located in California of course.
So should I just try to put out a Repo for it, because they have broken the agreement for it, correct
Does your agreement have a repo clause?