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Correction-Cap one may have you pay them the full sale amount and send you the title. The seller then waits for his "equity." (He'll wait longer than you'll wait for the title by the way.)
It took 4 or 5 calls to straighten out my last title issue with cap one. Get annoyed, ask for a manager, ask for their manager, issue resolved.
I can't bash them though because that seems to happen everywhere these days...any unique situation requires a "manager."
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