Fill out a replacement title application. This request can be made through the DMV or directly to the lender.I paid off my loan on November 6th. The 7th they closed my account and said it was in the process of releasing the lien. We will inform you if this is a requirement. The lienholder must print the letter on the official letterhead of the loan company, and an authorized officer must sign the letter. 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. Find answers to frequently asked questions about your Capital One Auto Loan, including credit reporting, payments, and general information. The FDIC may be able to assist you in obtaining a lien release if the request is for a customer of a failed bank that was placed into FDIC receivership. If the lienholder is a person and not a loan company, the letter must be notarized.