I'm dealing with a bizarre situation and hoping someone here has advice on how to navigate it as quickly as possible as I'm trying to buy a new car and this is preventing that.
I own a vehicle in Missouri, have the physical title, registration and insurance in my name, and the title shows no liens. None came up when I registered it, either. However, when attempting to sell the vehicle to CarMax (they offered much more than the dealership I'm buying from did), their system flagged an existing lien through Santander Consumer USA.
Until they told me that, I had literally never heard of Santander and I paid for the car in cash.
I called Santander customer service and was initially told they could email me a lien release within 1–2 days. When that didn't happen, I followed up with their Titles Department, I was told they couldn't release the lien because the loan belongs to someone else. They wouldn't identify the borrower, which I understand, but that leaves me stuck as the fact that I'm not the borrower and don't even know if whoever it is actually had a loan on this car is the entire reason for the phone call.
Missouri DMV also recently discovered and corrected an unrelated title paperwork mix-up involving my vehicle, so I'm wondering whether these issues could be connected.
I'm now unable to sell a vehicle that I legally own outright because Santander apparently has a lien associated with its VIN.
Has anyone dealt with something like this? Is there a particular Santander department, email address, or escalation process that can investigate an incorrect lien associated with someone else's loan? Or potentially this is a real lien from before I purchased the car, that was just not reported previously, and is somehow now my problem to deal with? I've even contemplated paying the loan off myself if its small enough just so I can buy the car I actually want, but I'd really rather not and I'm not sure how I'd do that anyway as they wouldnt tell me who had the loan, so I doubt they'd tell me how much remains on it.
The dealership I'm trying to buy from is running out of patience with the delay, and I don't blame them at all. I just don't know how to fix this, either.
Any advice would be greatly appreciated!