We paid off a car loan with the credit union a year ago and they keep telling us they will mail us the title but then we never receive it. The car was recently totaled in a wreck and we need the title to finish out the claim but the credit union keeps refusing to give it to us without a reason why. We took out a personal loan out with them a couple years after we got the car that went bad when we fell on hard times and its why I think they are refusing to give us the title but yet they aren't telling us if that's why. Instead they are just dragging us along and not telling us anything. Shouldn't they be telling us the reason why they are holding it instead of lying to us about mailing it? Is there anything we can do to receive the title and finish out the insurance claim?