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I had something strange happen.

Bypass

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I refinanced my truck through USAA. My original finance company was Southeast toyota finance. Well USAA paid off my truck and SETF mailed the title to me.

Does this mean I outright own my truck?

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Same thing happened to me. Bought a new vehicle and financed through dealer to get extra incentives, then after 1 or 2 months I refinanced through my credit union at a much better rate. Title was sent to me and credit union contacted me and asked me to sign it over to them.
 
Same thing happened to me. Bought a new vehicle and financed through dealer to get extra incentives, then after 1 or 2 months I refinanced through my credit union at a much better rate. Title was sent to me and credit union contacted me and asked me to sign it over to them.
Same here
 
Yes, it was a mistake. They got the payoff check from USAA and sent him the title with the lien release signed by mistake. If USAA finds out they will ask him for it, I'd expect. What he should do is call them and tell them he got it by mistake and then ask them what they want him to do.
 
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