While living in Kansas, Roger Simmons bought a pickup truck on which Boeing Wichita Credit Union (BWCU) held a security interest.

While living in Kansas, Roger Simmons bought a pickup truck on which Boeing Wichita Credit Union (BWCU) held a security interest. The state of Kansas issued a certificate of title for the truck listing BWCU as a lienholder. Simmons then moved to Colorado and, without BWCU’s knowledge, surrendered the Kansas title to apply for a Colorado title. A Colorado title was issued that, for unknown reasons, did not include the BWCU lien. Simmons then moved back to Kansas and applied for a new Kansas title. This title did not show BWCU’s lien. When Simmins went through bankrupcy, BWCU claimed it had a perfected lien on the truck. Did it?