Car repossession/ bank advice needed

[crashdown]

So.....
I paid off a loan on my car with Bellco about 10 months ago, and closed the token savings account I had with them to get the car loan at the same time. I've since re-titled the car here in AK.
Needless to say I was little less than happy when a wrecker showed up in my driveway this evening to repossess my Xterra under direction from Bellco.
I showed the repo guy the title, and pulled a copy of my credit report showing the loan was paid in full and closed. He was cool, and took off asking me to call him tomorrow once this is straightened out.
My concern is that Bellco is such a fucked up, incompetent business, I won't be able to clear this up to a point that I will be comfortable it won't happen again. They haven't tried to contact me once, not that I owe them anything, so I will not be able to assume this won't happen again regardless of what I'm told tomorrow.
Anybody have any idea who I could get in touch with first thing tomorrow to bring the hammer down on Bellco? As far as I'm concerned, this is attempted robbery, but I'm sure local law enforcement won't see it that way when I report it here tomorrow, nor would they have any jurisdiction over a Colorado bank.

[crashdown]

Did you get a copy of the repo paperwork? It might have some contact info.

All it had was Bellco and a phone number.
Like I said, l will call Bellco, but they are idiots who hate their jobs and won't be able to give me any real answers.
There is a reason they are the poorest rated bank in Colorado. Even if I do get somebody who says "oops, we shouldn't have done that", that will do nothing to ease my mind that I won't find my car gone in another 10 months.
The way I see it, whatever triggered them to repo a car that they don't own 10 months later without any notice whatsoever, and in another state, could happen again anytime regardless of what happens with them tomorrow.
BTW.. They had to look for me, because I didn't give them any forwarding info whatsoever, the account was closed before I sold my CO home.

[crashdown]

One of my primary concerns is that it gets towed away when I'm not home. I might have the title, but that's not gonna do me any good if the vehicle gets shipped back to the lower 48.

[Irving]

I think I'd call Bellco before you work yourself up too much about other possibilities.

[BPTactical]

I think I'd call Bellco before you work yourself up too much about other possibilities.

This. Did you have a contact with the CU that you dealt with frequently? If so call them.
Documentation is your friend, call motor vehicle down here as well and both the CU and motor vehicle should have a copy of a "Release of Lien" letter that was sent when the loan was satisfied.
It's a paperwork SNAFU, nothing more.
Be firm but courteous. It's not personal against you, it's business.

[sneakerd]

Agree totally with BPTactical. Get your paperwork in order and get over it. As someone who was in the repo business for 25 years, I know what I'm talking about. You should hope they come and take it after you paid it off- because that's a wrongful repo, then you can hire a lawyer, you'll get your car back and you'll get a settlement out of it far in excess of the value of the car. It's business.

[driver]

All it had was Bellco and a phone number.

I'd have taken pics of the tow truck and it's plates, the driver and any documents he had.

[Spdu4ia]

No advice but just another person who hates Bellco. I have ENT personally already but a dealer I purchased a car from filed my loan with Bellco because "they could get me a better rate". I paid that loan off and I never received the title at all. Had to got the dmv and file a list title paperwork.

[Martinjmpr]

I would also pull your credit report. If it's showing a repo then that could hurt your credit. Get that squared away ASAP.

[bczandm]

I'd call Bellco and firmly demand a letter stating the vehicle was paid off with date of payment to protect future repossessions. I'd also firmly demand a copy of the letter they are to send TODAY to the repo company stating an error was made and not to repo the vehicle. If they can't provide these documents in a timely manner (same day) I'd contact the local State agency that regulates this type of thing. In Colorado that would be Dora (Dept of regulatory affairs).
I'd also call the repo company and provide them a copy of the title and put them on notice that you own the car. You appear to live in a fairly low population area, if there are other repo companies a call to them might be worthwhile.
If the vehicle does not already have it I'd install an alarm system with motion detection. A cost to you of course but it you feel there is a legitimate risk of a 2nd repo attempt this might help save days without the vehicle and numerous of costs and hassles.

Sorry to hear of this problem.