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Unable to receive car title or other problem after the loan is paid off. I am disputing XXXX Financials refusal to release the XXXX on my 2017 XXXX XXXX ( XXXX : [ insert XXXX ] ). My loan principal has been fully paid off ( {$0.00} balance ), and my loan contract does not include any clause giving XXXX the right to retain the XXXX for post-payoff repossession, storage, or administrative fees. Despite multiple written requests via email and the XXXX website, they have refused to transfer me to the title department or a supervisor and have not released the XXXX. They claim the account is active due to repo fees at the end of the loan, but this is not supported by the loan contract, which only secures amounts owed under the original contract ( principal, interest, finance charges ).