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A charge off already sounds like an error on their side. I would just keep on to it until they contact you. It is their burden to retrieve the car or make arrangments for you to drop it off. Whatever you do, I would not try to sell the car or get rid of it because they will have rights to go after you for the cost of the car if they realize their mistake. Also keep in mind how long it's been. While it may seem odd loan companies often move very slowly with this sort of think. It can be year or more before they get around to repossessing it. Either way I'd keep the car and use it until the do.

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Q: What happens if the car is charged off but you still have the car and no one picks it up?
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