What is the name of your state (only U.S. law)? Nebraska. Kinecta Credit Union is harassing me with calls claiming I owe them for late payment fees and penalties for lapse of insurance during the 72 months I made payments. I have documentation that I made ALL 72 payments in full and also from my insurance provider that there was NEVER a lapse in insurance, that the truck has always been covered since I purchased the vehicle. They are calling threatening to repossess the truck and are holding my Title until I pay them. My question is this...can they take my truck on these false grounds of penalties that shouldn't exist?