MI owners with a loan take note
Since this is the lessons learned. I learned that most Michigan cars with a loan, the owner, not the bank or VW finance, has the title. MI buybacks are requiring the owner to have the title. Long story short, since I bought it in another state, and that dealer did all the title work and got the plates, the title went to VW finance. As this was the only car I ever bought in Michigan with a loan, I had no idea the bank didn't normally get the title, so I showed up for the buyback with no title, as the paperwork says, if the bank has the title, you don't need it.
First attempt today, the virtual rep said they had to have the title from Michigan owners. I explained that I didn't get it, it went to VW finance. The buyback checklist for Michigan doesn't accept this, so I was told I needed the title. Call VW finance, and after forever on hold, they claim that they only have a picture of the front side, and no they won't email or fax anything to the dealer. I'm told to go get one from the SoS (MI version of DMV). Ask to be transferred to someone else or a manager, no.
The trip to the SoS is an hour, so might as well start driving that way, I might get there before the next one answers. Got to the SoS, wait (of course), and am told that the state sent the title to VW finance, and they were unable to issue a duplicate without a lien release.
Back to the phone and VW finance. Told them that the buyback required a title from MI owners, and since they held it, and told the SoS to not issue a duplicate, they needed to figure out how it was going to get to the turn in dealer, or send the lien release so I could get it myself. Remarkably, they found the title, and were able to fax it to the dealer. Something impossible just 2 hours earlier, when presented with the SoS telling them what was needed to get the title, they managed to find it.
Next hurdle, getting the virtual closing to accept the fax from VW finance as the title, which took a supervisor and probably 30 minutes to accomplish.
Five hours after I started the buyback, I drove back 5 feet and forward 5 feet, picked up my check, and left probably 15 minutes later. We bought 2 Jettas from them in the last month, so chatted a bit with the sales rep. Dealership went out of their way to help, but MI owners, if VW holds the title, you need a copy from them to complete the process.
Task for tomorrow is getting the first phone rep fired.