I took out a loan for the New Blue Miata, made three payments (Oct,Nov,Dec) and two days after the December payment I paid off the rest of it. And I waited for my Title to show up in the mail. By the end of January, it still hadn’t arrived. I decided to check the loan account online to make sure it said paid in full, and it did. At the bottom of the page, I noticed a small line of text, “To request a lien removal letter, click here.” And I did. On the next page I was told the letter would take 5 to 7 business days to get to me. Huh? Any other time I had financed a vehicle they just sent it to you automatically.
I promptly went on a month-long adventure to Santa Fe and Hammond, LA with a friend and forgot all about Oregon and the Miata and the lien letter thing. Somewhere around the middle of February I went back online and clicked the link again. I gave it 2 weeks in regular days and still no letter. This time I dialed up Chase Auto Finance and got on a phone conversation with a human.
We ran through the details only to find that the dealer who sold me the car left off the ‘Unit 1’ part of the end of 21100 NE Sandy Blvd. While on the phone with me the CSR steered me to the right place to correct the address. I thanked him and hung up. I had to delete the incorrect address and add the correct one. I gave it a few days to get inside their system and clicked the link asking for the lien letter for the third time.
On business day eleven with no letter in my mail box, I call again. Same routine with a CSR as last time, check details and it turns out when I entered my own address in the account, I entered 2110 instead of the 21100. Duh! This time the CSR changed it for me and made me repeat my address a couple times just to make sure I knew what my address is. She told me that I didn’t need to click the link she would get one out in the mail today so it would get to me right away, well, 5 to 7 business days away.
The elusive lien letter arrived today via FedEx. When I opened up the envelope there were two lien letters in there, one dated 12/30/24 and another dated 2/27/25. I thought they would spit out a digital copy of what was on file, but no, someone dug around in a physical file cabinet in Monroe, Louisiana and sent me the actual 2 letters they tried to send me, but got returned.