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I purchased a FORD Explorer and took Capital One Auto Financing in 2010. We paid off in 2012. In 2014 we were going to sell the car but could not find the Title document. We went to the Texas DVM to get a replacement title. The DMV informed us that there is a lien on the vehicle and cannot process the Title document. I found out the lien was still held by Capital One. They never released the lien since 2012 after we paid off. My wife called Capital One in 2016 to request for the lien release to be sent to me in the mail. We would need original document of release. The Capital One staff refused to complete the transaction to surrender the title unless I make the request personally. I am overseas. Why do they have to hold on to the lien even when we have paid off on the car 4 years ago? Why can't they send the release automatically to me after we paid off? Why do they have to make it so difficult?
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I'm having the same problem with getting my title. I paid the car off a decade ago and want to sell it. The DMV said I have to get the title from them. They keep lying to me and saying they sent it, but it never gets here. Do I need to hire a lawyer? What is everyone else doing about this?
Hello I brought a car from a friend I sent for the title and it has a lein on it from this bank so i call capital one and they said it wasn't one, please contact me at 7722365385michael singleton.
I am in the same situation. My vehicle was paid off in 2013 and Capital One is giving me the run around about my title as well. This company is horrible. Why hold on to a title that is not theirs? I have never had this problem with any other company.
I paid off my car loan on August 2019, and still haven't received my car title yet. What I have read here a lot of people are having the same problem. I have never had this problem in all the years that I have bought car's from my local bank's. I probably will never use Capital One again, and will close out my credit card with them.
I paid of my other vehicle on a Monday, and received the title that Friday.
Do not! I repeat, do not! finance through Capitol One! My husband and I paid off truck loan and they have been giving us the runaround for a month! The title is in the mail. I guess it takes 21 days now for regular mail in the U.S. I called to talked to them about the issue and I asked to speak to someone in charge and I was told to relax! I’m sorry, not sorry but they are disgusting and should no longer be in business.
I am about to ask title department for their resolution department. I am reading so many issues with Capital One in this forum! #CapitalOne Title Department sucks!
Did you get any relief? I just found out my auto was paid in full on 2/24/14 and they still haven't sent title...according to DMW still has lien attached.
I have been going in circles with the resolution department for a month now! Good Luck!
I refinanced my car with Capital One in December of 2020. I have been making payments to Capital One since January 28th 2021 with an additional $300 per month going toward the principle. Fast forward to April 2021. I was in the process of selling my vehicle to Carvana, but they had to halt the sale due to Capital One never getting the lien switched over to their name from Nissan. I have contacted Capital One several times since April 6th, the day it was suppose to be sold asking what the hold up was with getting the lien switched over. The funniest one was when they told me they had to wait until the DMV contacted them to make the switch smh. Another one told me that they sent the paperwork in on March 30th and to wait until May 11 to call back. I contacted the DMV on May 12th and was told they have no record. I called Capital One today May 13th and was told it was still being processed, but I had them check a little further and found that it still had not been sent out after all this time. I don't know what more I can do. This situation is ridiculous. I can't sale my vehicle until Capital One does what they were suppose to do back in January. Never refinance with Capital One, they just keep dropping and making excuses.
I’m in the same situation with capital one.
Was your issue ever resolved?
I paid off my auto loan with Capital One in 2020, and waited for the title to arrive by mail. It never did. I called them, and they said they sent it by mail a couple weeks after I paid it off. So I guess telling me that absolves them of any further responsibility? After paying it off, I kept a close eye on the mail specifically looking for the title for months, but I never saw it. Now I need to acquire a lien release from a 3rd party company they connected me to, which costs $100. Seems like a scam to me.
I, too, have been waiting since 3/6/21 for my lien release letter. I paid $30 to mytitle.com, a suggestion by someone in the title department, but they returned it saying Capital One was sending it. I asked them if this is a situation that I need to get an attorney to contact them...and was assured no. I may attempt mytitle.com again of I don't receive it this week. I also contacted the DMV in TN to see if it showed clear, and was told no. Idk what else to do?
Does anyone have a success story that will work for us? I want to sell this car, but can not due to C1 holding the lien release letter
We bought a Subaru Forester in December 2013; my parents both died 6 days apart in early February, 2014 and I paid off the car loan in full. As an only child I was a grief-stricken mess for quite some time and simply never noticed whether we received the title or not. Seven years later now, I apply for a duplicate title from the DMV and there is STILL a lien on the car. Calling Cap One only referred me to MyTitleSupport.com but they only show a lien is still attached. I have proof from my bank as to the payment but can't seem to get anyone at Cap One to listen to me.
I'm ready to contact the WV Attorney General; as a senior citizen Mr. Morrissey will listen to me.
I had a credit card through Capital One. I had to file bankruptcy because I lost my job. My car was already paid off in which I did not purchase through them. I recently found out that they have placed a lien on my title to the car. I've had my car since 1999 and was looking to trade it in. I can't find my title and called the DMV for a duplicate and that's when I found out that there is a lien on the title and they need a release from them. I called the company that placed the lien and asked them to send me the information that they have and have not heard from them. The company is LVNV Funding LLC. This is outrageous. I will never open an account with them again.
I've had to deal with LVNV Funding for years now. techincally, you have to contact them within 30 days, but I'm still working on a letter to demand they prove the debt to me. It's been sold so many times now, I'm certain they can't find the ORIGINAL DEBT. They took me to court for a Capitol One Kohl's card, and the debt has now been sold once again from LVNV. If you look up the company, they are seriously bad news, they managed to get a judgment against me, which is clogging my efforts to build back my credit score. The joke is on them for the judgment, as I'm on SSD and they can't touch my pay at all. However, I do have some records of the CO card, but CO claims they have no record of the account since it was "charged off" on their end. Kohl's is telling me the same thing. So if no one has a record of such account in my name, they can't prove the debt. I've never spent more than $100 at the local Kohl's store, so I know the account is fradulent because they claim the "charged off" amount to be $1300! I'm not giving up, I don't think you should either.
My sister passed away and I've taken care of her car. It was bought with a loan from Onyx Acpt Corp. which was bought up by Capital One. She paid it off a long time ago but never got the pink slip from Onyx Acpt. now I'm trying to contact Capital One on the matter and I can't talk to any live person to explain all of the complex stuff. Auto voice wants my account number on the "loan" and I don't have it. I've already gotten a ticket from my local police about getting updated tags for it and the DMV needs the lean release form. How and the hell am I to get it?
I paid off my vehicle on March 1 and received my title and lien release in the mail about two weeks later. I took the lien release to the DMV to remove capital one as the Lienholder on my title but the DMV representative informed me that state I live in is an ELT state. This apparently means that the Lienholder - in this case, Capital One - has to send the lien release to the DMV electronically. I’ve been calling Capital One to try and get this resolved for the last month so that I can sell my car. The first person I spoke with told me that my state was not an ELT state so the DMV was wrong. The second person I spoke with told me that they would put a request through to their back office team to get the matter resolved and it would take about a week to process. I called back a week later and talked to a third person who told me that there was a record of my previous call, but there was no action taken regarding the request to the back office. She then promised me that she would put the request in and I would need to wait another week. Again, I called back a week later and spoke with a fourth person who told me that the request was never processed due to an internal error and promised me he would get it resolved. Also, he told me there was no way to expedite it and I would have to wait another week. I honestly don’t know what to do at this point. I can’t sell my car until I get Capital One to send my lien release to the DMV, but I can’t get anyone from Capital One to actually do this. I don’t understand why it’s something that needs to be processed as a request through their back office when it’s a law in my state that lienholders must electronically release the lien. This is something they are statutorily required to do, so why am I jumping through hoops to get them to do so?
I'm having the same issue getting a lien release for a car paid off almost a decade ago! Now I'm almost 60 and on a fixed income due to a disability and need to sell that old car I don't use anymore. Getting all the same run around and lost money once by going through some fly by night company Capitol One directed me to eventually. That was over a year ago! I'm wondering if it's time to start a class action! Seriously curious just what that would entail? Just because my body quit on me doesn't mean my mind hasn't and I have all the intelligence and time in the world to become their worst nightmare!
Because in 2014 Titles were all paper. When you paid it off in 2014 they would have sent you the paper title with their lien released on it. Not the fault of Capital One.
I had the same issue and took these steps. Contacted customer service and asked for the the Department of titles at [protected].
Car was in my deceased mothers name so I needed to be added to the account. Transferred to the Department of estates [protected]. They emailed a Fiduciary Rights Statement. I completed and emailed it back with the death certificate. Have to wait 48 hours to be added to the account.
I’ll call the Department of Titles and request the release of lien documents.
Hope this helps