Probably wouldn’t have posted if I had known this thread existed 
Thanks for moving it here for me.
Yep, this just happened to me with US Bank. Went to trade my 2019 4Runner for a new 4Runner at the dealership. My payoff is $27,000, dealer payoff is $42,000. This is non-standard business practice that reeks of unfair trade and I will be looking to file some kind of action or complaint against them. Do not use US Bank.
There are quite a few banks that do similar… and its not really any surprise. Your contract obligates us bank to sell you the vehicle under market value. It doesnt obligate them to sell it to a third party of your choosing for under market value.
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