I bought something and the name on the title didn't match who id been dealing with.?

Oh, THAT problem. Only this time it's not actually your problem. That's going to work very very well for you.

The bank, because they're smarter than you are about this stuff, issued their certified payment to the legal owner of the vehicle you purchased. Now the guy 'selling' the vehicle, who is not the legal owner, is very not happy. He wanted cold hard cash, and now he is asking you to replace this bank cheque with cold hard cash. Your answer to his request will be no. Only the legal owner (the name on the title) of a vehicle can transfer ownership to someone else, no exceptions.

This is his problem, not yours. The bank will only let the legal owner receive that payment, and this idiot is not the legal owner. He has to get the real legal owner sign the title over to him, then the title has to be officially updated to the new owner's (the seller's) name, and then (and only then) the bank will re-issue the certified payment to the guy you bought it from. And if he can't or won't do that, not your friggin' problem.

And hell no you're not giving the vehicle back, at least not without compensation for your losses. You hold all the ace cards this time.

If the title is valid and the listed owner is the one that signed as the seller, you are good.

He has the check made to the name on the title, who is supposedly his step-son. The bank has the title and has put there lien stamp on it. And i have the item. I'm trying to figure out if this is all legal or not. The bank said the title was real and the notary stamp was real so they consider the matter closed and its up to this guy who said he was the "Broker" for the sale to get his money from the person on the title. He claims that I should have had the check made to him or to me and then cashed it and he's going to sue me if i don't "fix this" but the bank has said all along that they have to make the check out to the person on the title when its a privet party sale. He took the check and left the bank but now a week later he wont stop harassing me about it. I am just trying to make sure i am covered under the law.

Although you don't say, you apparently have a "jumped title" for the vehicle. That means that your seller illegally "sold" you a vehicle that was not his to sell. He avoided getting a title for the vehicle in his name before he "sold" it to you. You may return the vehicle and get your money back. Accept only CA$H from this con man. ( Do not accept the check that was sent to him. It is no good to you because it is NOT payable to you) Or...... you can demand that your seller get a title for the vehicle in his name and then give it to you. He is in a bind because he has a check made out to someone else and if he cashes it, he would have to forge "someone Else's signature.

Tip: Look up the meaning of "Jumped title"

Next time you buy a vehicle, make certain that the seller is also listed as the owner on the vehicle's title before you fork over a dime.

Then you have not bought anything. All you have done was to give someone money.

To buy something, you must pay the person who owns it, which is the person whose name is on the title. When you give the money to someone else, whether it's me, Obama, Trump, Clinton, or some random person the street, you are simply giving someone money. You are not buying anything unless you give the money to the person whose name is on the title.

Fraud

Get the check back. Then give him the item and the title. Then tell him to have a good day. It is HIS responsibility to get the title in his name before he can sell the item.

Shouldn't have bought it then. Pro tip: that's called a "red flag" and is a clue that you shouldn't do business with the seller.