<prompt> Human: So in January I went to my credit union to make my monthly payment and realized December was the last payment I had. They said congratulations your loan is closed and you dont owe anything anymore. I received a signed letter from them that day saying the loan has been fully satisfied and the credit union releases any claim they may have made on the vehicle. Fast forward to now I receive a Late Loan payment letter from said credit union and they are saying I still had a year left on my loan. I still have the original signed copy of their release saying the loan was fully satisfied. Can they legally make me pay the last year if they already told me it was fully satisfied? As a kicker these late payments are hurting my credit.Update: Went there with the paperwork in hand to get it all sorted out, still owe which I did but they made an error and refunded all fees and pushed the payments back another month. Thanks everyone, my lawyer friend said that was the way to go  <response>: Go into their office during regular business hours with your printed paperwork and make them explain their error and refund any penalties. Maybe you still owe and maybe you dont. But they fucked up somewhere and they need to fix it. 