Does the State of TN title truck campers?

As of June 2019, TN had not yet adopted electronic titles. I am not aware that they have since. In my experience selling travel trailers and motor homes in TN, if there is a lien holder they hold the physical title. However, there may be a separate department at the bank that maintains them, and when you talk to loan services they may or may not be fully aware because most states have adopted the electronic titles. I would first contact Bank of the West again and tell them your state does not have electronic titles, and you want to ensure they don’t have the title anywhere, or that they aren’t in process of releasing it. In 2019 I paid off a loan with BB&T. They sent a payoff letter fairly quickly, but it took 3 weeks for them to mail the title to me.

Alternatively go back to the county clerk. It is concerning that they could not find it. Was the camper registered in their system? I’ve not owned a truck camper in TN so don’t know whether registration is required (although the link above seems to indicate it is). If the county can’t find it, is it possible to go back to the selling dealer and ask them to check their records on the titling documentation? Maybe they have some record of what was sent to TN when you purchased it.

Good luck. I know this can be frustrating.