Capital One Auto Finance Terrible company Plano Texas

Terrible company. I totaled my car in June. Insurance and Gap paid and the title was released in July 2013. December 2013 I apply for a mortgage and $113 delinquent account for Capital One appeared on my report. Shows that the account was closed in July 2013....then they reported that I was delinquent on my account for 7 months and then paid it. The first I heard of the $113 was when they called me in December threatening to put this on my credit. I had no idea and immediately paid the $$. Unfortunately that dropped my score by 100 points because it looks like i was delinquent for 7 months on an auto loan....they didn't bother to show the amount of $113 on the report or show that the title was released in July>>>>What company releases a title to a vehicle that isn't paid off??????NOBODY DOES THAT........ NOW THEY WILL NOT ADMIT THAT THEY SCREWED UP!!!!!!!
I WILL NEVER DO BUSINESS WITH THEM AGAIN.