Consumer complaint received 2024-10-15
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Titan Revenue Solutions (CA)

Good afternoon, I was wrongfully sent to collections and first contacted by the collection agency, Titan Revenue Solutions, by phone beginning XX/XX/XXXX, after purchasing a vehicle at XXXX XXXX XXXX on XX/XX/XXXX. Not only was I constantly harassed by their representatives, but furthermore disrespected. Although I have never been sent to collections before, I am well aware that according to CA law, within five ( 5 ) days after a debt collector contacts you, they must send a written letter called a Validation Notice, that states ( 1 ) the amount it thinks I owe, ( 2 ) the name of the creditor, and ( 3 ) how to dispute the debt in writing. 

Considering I have never received a single letter or notice within the past 7 months since the purchase date of my vehicle, specifically a Validation Notice, from Titan Revenue Solutions, nor their client, XXXX XXXX XXXX ( XXXX, CA on XXXX XXXX and XXXX XXXX. ), I do not see the legality of wrongfully sending me to collections for a {$500.00} cash payment I made in order to finalize the sale of my vehicle. Considering my insurance was closed at the time in which I came in to purchase my vehicle ( XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX, or XXXX XXXX, stated that I could leave half of the {$1000.00} downpayment we agreed upon - {$500.00}, and come the following day with my vehicle insured to receive the keys to my car, and then the following week pay the remaining {$500.00} balance we agreed upon. 

I did exactly as agreed, however I lost the second invoice, and voiced such when I called to speak to the financial manager - XXXX - who stated she could not find the second invoice despite it clearly being in my bank statements. I am not responsible for the the lack of organization within XXXX XXXX XXXX 's office and their inability to keep their invoices in order, despite each and every single one of them being numbered on the upper right hand corner and dated by hand, such as the one I was provided and dated for XX/XX/XXXX. 

During the process of signing with XXXX XXXX, he unprofessionally and inappropriately is rushing the sale, as he states that he has a date in the XXXX parking lot down the street with one of his coworkers. I was extremely uncomfortable, however continued with the signing process in which I would like to note that not a single one of their offices had a computer, in which XXXX XXXX had to walk back and forth into a room with one computer. He then provides me a sheet of paper which has information such as my name, mileage, the year, make and model of the vehicle scattered all across the paper. He then draws a line with his pen for me to sign at the very bottom ( all documents provided to me the date of the sale is attached ). Everyone in the store is rushing to close the shop, alongside XXXX XXXX. A clear example of their lack of professionalism and extremely poor business practices. 

I attempted to call XXXX XXXX XXXX multiple times after noticing I was sent to collections for the second {$500.00} payment I made, however when asked to be transferred to the financial manager, the representative hung up the call. I attempted to call twice again afterwards and once again, the woman on the phone once again hangs up both times. I then call this week on XX/XX/XXXX in which a gentleman answered and stated that instances like this have happened before as I explained my situation of being wrongfully sent to collections. He then states it would be the responsibility of XXXX, the financial manager, to cover the missing cost, and that I must provide my copy of the second invoice. I once again reiterate that I do not have the second invoice receipt and if they could check for their copy the same way they have the copy of my invoice from XX/XX/XXXX. He states that XXXX XXXX is on vacation and XXXX, the financial manager, is not in office. I ask why he is unable to check for me, and how I should proceed in which he begins disrespectfully suggesting I can do as I please - whether that be calling the police, getting an attorney, and states that their dealership has CCTV cameras if I would want to check. Out of frustration, I simply state I will come when XXXX is available and end the phone call. When I call again, I ask to be transferred to the financial manager, XXXX, and I ask if she could look through their invoices considering I made the payment, in which XXXX states she only sees the invoice from the XX/XX/XXXX, and not my second payment of {$500.00} from the following week. I ask how is this even possible, as I handed the representative the cash which would clearly be shown on said CCTV cameras which the gentleman had mentioned when stating XXXX XXXX was out of town, and XXXX was out of office. The same week I call in XXXX, I find out that the individual who accompanied me during the purchase of my vehicle - despite having no relation to the purchase of my vehicle - was too sent to collections by XXXX XXXX XXXX through Titan Revenue Solutions for {$200.00}. 

Furthermore, I want to clarify and emphasize that I do not owe any money to XXXX XXXX XXXX. The cash payment I made during the purchase process was agreed to cover all necessary costs and finalize the sale. It is unacceptable for me to be subjected to harassment and intimidation regarding a debt that does not exist. I have the minimal paperwork provided to me by XXXX XXXX due to him rushing the sale process, one invoice receipt, a sheet of paper with scattered information, and a packet within an envelope. 

It is clear that I am not the only individual who has fallen victim to XXXX XXXX XXXX fraudulent business practices. Both their XXXX and XXXX reviews have endless experiences similar to mine, especially with those related to cash payments - money going missing, being sent to collections wrongfully, broken down vehicles, etc.