Fill out a replacement title application. Call us at 1-877-383-4802 so we can direct your call to the right person.Responsibilities of the Lien Holder (Lender). Acquiring a vehicle title lien release is required in order to transfer ownership of a vehicle. You simply need to request that Capital One Auto finance provide a Lien Release. I called Capital One and they said once I pay the loan off they will release the Title to me, but said it could be up to 21 days. The Borrower must notify the Lender of bankruptcy or transfer or dissolution of the. Borrower's business within 15 days of the qualifying event. Looking for a Florida credit union with free checking? CAMPUS offers a FREE Checking Account with no monthly fees and a community-driven approach.