Quote Quoting O.C.G.A. 16-9-51. Destruction, removal, concealment, encumbrance, or transfer of property subject to security interest.
(a) Except as provided in subsection (b) of this Code section, a person who destroys, removes, conceals, encumbers, transfers, or otherwise deals with property subject to a security interest with intent to hinder enforcement of that interest shall be guilty of a misdemeanor.

(b) A person who destroys, removes, conceals, encumbers, transfers, or otherwise deals with property subject to a security interest with intent to hinder enforcement of that security interest and in so doing does damage to such property in an amount greater than $500.00 shall be guilty of a misdemeanor of a high and aggravated nature.

(c) In a prosecution under this Code section the crime shall be considered as having been committed in any county where any act in furtherance of the criminal scheme was done or caused to be done.
If in fact the vehicle is broken down and immobile, and you have documented your communication with the lender that the vehicle is immobile, at a specific location, and available for them to pick up, I am skeptical that a prosecutor would try to prove that your failure to drop the car off at one of their locations would constitute a violation of the statute. However, I can't rule out that a prosecutor will authorize charges based upon their report (the prosecutor won't have your side of the story at that point), and it won't be my call as to how to proceed once you present your documentation.