So what is the specific issue, the lender has the title, so the transaction was procesed, and how she does not have a copy of the contract is weird, but NOT related to the renewal isse. So what did the DMV say specifically about the renewal? If it is an odd number VIN (the ending number) it should need a CA emissions inspection this year, and that is done electronically. But the question is the reason for why she cannot renew??? At the most they (DMV) should want to see is the RS.
Even the AAA can answer that if she is a member.