<prompt> Human: I bought a car in October and financed the loan for the car with a credit union because they were giving me a better interest rate than the dealership. A month goes by after getting the car and I get a letter from the DMV sayingThe application for a certificate of title on the vehicle described above cannot be approved because certain information or documents were not submitted, or the documents were incomplete or incorrect.Around this time I get my first notification from the bank saying they never got the title. So I call the dealership and explain to them what I got in the mail. They tell me the person responsible for the information isnt in right now, so I leave them a message for them to call me back. A week goes by I hear nothing. So I called again, once again the person isnt there, this time they give me a number to text the documents that I got in the mail. Some time goes by and I call the bank to see if they got the title because I heard nothing from the dealership and I thought they might of taken care of it. The bank still hasnt received the title. So I called the dealership again, finally I got to talk to the person responsible for handling this thing. I tell them the situation, that the letter from the DMV needs me and the dealer to fill in information. They look into my case, she tells me that it was odd that I even got the letter that , that is something usually just sent to the dealership. She told me there was no need for me to go to the dealership, that she would take care of it. Shortly after I got a second notification from the bank saying they havent received the title, since I just dealt with the dealership the other day I figured the information hasnt been sent to the bank yet. Well today I just got my third and final notice saying they havent gotten the title telling me my loan is now in default. and it states this Based on the terms of your loan, your failure to list DCU as first lienholder on the title has resulted in this loan being in default. If we do not receive your title accurately reflecting DCU has first lienholder within 30 days, we may have no choice but to exercise our rights under default. These rights may include but are not limited to demanding payment of the entire loan balance in full, taking possession of the vehicle, andor applying the default rate of 18.00 to your current loan balance. So how bad is this for me? Is it going to hurt my credit?  <response>: First thing first, call your credit union and let them know what you have found out so far.Another issue may be that the dealer finally got the title application done but that the title can take time to be issued. But get in touch with your lender ASAP.And your lender obviously has an issue here as technically they have no security interest in your car without a title. 