Who called from 9723784136

This is most likely an abandoned call. They work on a dual system that includes an automatic dialer. If no agent is available, the dialer hangs up.

Cap one auto is a subsidiary of cap one. They have a seperate entity for sub prime auto loans.

No such thing as a grace period. Past due is past due, additional daily interest accumulates when an account is past the due date. The grace period is only in regards to late charges.