Apparently USAA sends everyone that pays off a loan a letter that says the state has an Electronic title if you live in a state that has them. The letter instructs you to contact the state to get a paper title --- I have confirmed that the same letter goes out to everyone regardless of whether USAA actually has a paper title or not. As I was waiting for the state of Texas to send a paper title, after three weeks I finally called the state. After a 45 minute hold, I discovered that Texas never had had an electronic title. It took 32 minutes with USAA to discover that they sent the paper title (after having told us in a letter that they did not have it) to our old address. They have had our correct address for 14 months, But they don't care about that, they just send it wherever. I have a serious breach of contract problem with the people who bought our vehicle because I cannot come up with the title after all this time. USAA basically says oh well, go to the state and ask for a duplicate. We can't help since we are no longer the lien holder. BEWARE!