If the lienholder didn't apply for a lien release, you should contact them directly and request one. You simply need to request that Capital One Auto finance provide a Lien Release.Call us at 1-877-383-4802 so we can direct your call to the right person. You will either sign a Limited Power of Attorney or complete a title transfer application, depending on your state's requirements. 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. What you want to do is fill out the form yourself.