Consumer complaint received 2017-04-19
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: FINEX Group LLC (CA)

I was mailed a notice fro m Finex Group, LLC Collection Services.  The notices were mailed on  XXXX / XXXX /  XXXX   and  XXXX / XXXX /  XXXX  . These notices prompted me to reach out to this collection agency. In a attempt to explain this debt did not belong to me. I explained that they should pursue the party who is responsible for the unpaid tow fees from   XXXX   XXXX   XXXX  .I assured them that I sold this vehicle, and completed a release of liability form to the DMV. I explained that I had several incidents pertaining to fees owed related to this vehicle, that I 've since reconciled due to the documented proof of my release of liability. Both  XXXX  and  XXXX   XXXX  have accepted my release of liability document as sufficient proof. I 've been discharged from any responsibility to pay in both matters pertaining to the same vehicle, and same registration issue. These companies have made efforts to pursue the party who is at fault. However with all the matters discussed and issues presented at the table Finex Group LLC has done things contrary to the other businesses. This has made my life very difficult. I 've explained these situation time and time again to  XXXX , and other representatives of this agency, and they 've discouraged my efforts to dispute the matter, and only encouraged me to pay a debt that is n't mine. They 've assured me for technical reasons, and administrative errors this debt is final. There is no way to reconcile the matter, because the date the record was pulled I was the last registered owner. My account has been reported to the credit bureaus and this debt is affecting my credit, which is an injustice because I have n't been in possession of this car in over two years. I do n't have a key. I do n't have the pink slip. I had no clue of the where abouts, of this vehicle, while it was going across the bridge, having collisions, or being picked up for tow. I 've done everything in my power to relieve myself of the vehicle ; including making numerous trips to t he dmv ( inclu ding my initial trip to dmv to complete a release of liability prior to the tow date, and every other incident occurrence ), I 've made countless phone calls, I 've made several emails to several agency 's ; to deal with this car I no longer have. I 'm sitting here now making a complaint. I recently made a dispute with the credit bureau. This is has become a hassle and a detriment to my life. It 's especially aggravating when this agency is refusing to allow me to separate myself from the matter. I 've faxed over the release of liability on several occasions, since they claim they did n't receive the first fax. I 've been hung up on numerous of times, because the staff were unwilling to hear any information that did n't involve me paying or being responsible. They 've only encouraged me to go sue, go to the dmv and request documents they already have. They 've only wasted my time, energy, gas, and focus on making trivial efforts that wo n't help resolve my account with them. They are set on the expectation of me to pay, even when faced with opposing evidence. They 've done very little to address my individual circumstances, outside of there day to day of arguing with customers about debt. They 've even threatened to sue me, for not seeing it their way. They have no consideration, of my life. It is punishment enough to constantly relive a matter you made efforts to resolve. I should n't have to pay for something I 'm not responsible for, even if there was some misunderstanding or discrepancy. This has an affect my financial situation, which trickles into every other area of my life. I 've completed several release of liabilities, since I 've been on notice of the debt. DMV has explained that I need to send them proof, which I have. The same release of liability faxed t o FINEX, was faxed to DMV,  the  XXXX  CA office. The same office Finex receives there information and reports from