<prompt> Human: So I have the title but then I have a new loan with the bank. What do I do? Does having the title mean I dont have to pay off the loan? I wish but assuming this is a bank error and they thought I paid it off when I refinanced onto a new loan.  <response>: You have paid off the car. Then you refinanced it. Send them back the title.Depending on your state it will be reissued with the lien holder updated 