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the only way the bank would have the vin is if he originally financed through them and they made a mistake saying a payment hadn't been made in xx long and blah even though it really was paid off. mistakes do happen and banks are usually very willing to step up and apologize. I had a similar situation with my bank that finances my mercedes saying I had missed a couple payments, but it turned out that my payment slips were just filled out wrong so I was alright there and they apologized for the trouble and sent me corrected slips.
to me it sounds like this may have been a scam because VW won't know if the repo guy really needs to repo or not. they may have been trying to get money from the guy and he just called their shit out. like he said, when he produced the title if the lawyer wasn't there be like "it will be $300 sevice or something".
KEvin
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