signing the refinance contract obligates you to ensure capital one auto finance is listed as the first lien holder on your refinance vehicle. where to return your documents: attn: title department capital one auto finance po box 269008 plano, tx 75026-9811 it is necessary to supply capital one auto finance with a signed limited power of attorney to record the lien in your state. recording capital one auto finance as the first lien holder also ensures your compliance with state and federal laws where applicable.