Consumer complaint received 2025-08-08 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Triton Management Group, Inc
State: OK

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX XXXX for abusive, deceptive, and illegal debt collection activity involving a loan I personally guaranteed for my business, XXXX XXXX XXXX. 

This loan originated with XXXX XXXX XXXX on XX/XX/XXXX, and was presented to me as a merchant cash advance ( XXXX ). However, I later discovered it was in fact a secured loan agreement with fixed weekly payments, no reconciliation clause, and a 35 % APR all characteristics of a traditional loan. I signed this contract under the impression it was working capital funding tied to sales, not a personally guaranteed high-interest loan. A copy of the contract and original proposal are attached. 

On XX/XX/XXXX, I was pressured by XXXX XXXX XXXX to sign a stipulation agreement that acknowledged a debt of {$24000.00} and locked me into a weekly ACH payment schedule with no cure period. The agreement also included a personal guarantee, again placing liability on me directly. XXXX has since used this agreement to justify a campaign of harassment and coercive enforcement tactics. 

Despite making over {$2600.00} in good faith payments in XX/XX/XXXX, including confirmation of a reinstated agreement from XXXX XXXX at XXXX, a XXXX XXXX was placed on my accounts receivable on XX/XX/XXXX, causing a freeze on funds held by XXXX, my credit card processor. This has completely halted my business operations and placed me in a position where I'm having to consider personal bankruptcy because of how badly this has hurt us. 

The financial harm includes : $ XXXX in lost sales Missed payroll and unpaid staff Blocked ability to process refunds to customers Loss of a pending {$35000.00} investment deal due to disrupted revenue history Reputational damage and public embarrassment I filed a previous CFPB complaint on XX/XX/XXXX ( Case # XXXX ) asking XXXX to cease enforcement XXXX They ignored the complaint portal entirely, and instead escalated their behavior : XX/XX/XXXX : Email from XXXX XXXX stating more liens were filed XX/XX/XXXX : Coercive settlement offer requiring payment by end of day XX/XX/XXXX : Threatening legal action, vendor contact, wage garnishment, and bank levies XX/XX/XXXX : XXXX withdrew {$500.00} from my account without authorization, despite the open CFPB complaint XX/XX/XXXX : Another escalation email demanding full repayment Since XX/XX/XXXX : I began receiving texts and voicemails from a new agent, XXXX, stating : Hi, this is XXXX with XXXX XXXX on behalf of XXXX XXXX XXXX. Call XXXX to discuss. 
This persistent, multi-channel harassment violates CFPB debt collection standards and UDAAP ( Unfair, Deceptive, or Abusive Acts or Practices ). It is also in direct defiance of an open CFPB investigation. 

On XX/XX/XXXX, I spoke directly with a CFPB representative who advised me to refile this complaint under my personal name due to the nature of the personal guarantee in the original contract. At that time my original complaint was closed so I could gather documentation and refile with all the new evidence of harassment. 


Attached Documentation : XXXX Stipulation Agreement ( PDF ) XXXX XXXX XXXX to XXXX ( PDF ) Full email and text timeline, including harassment from XXXX and XXXX ( PDF ) and screenshots of unauthorized ACH withdrawal XXXX XXXX contract ( showing personal guarantee and loan structure ) Original funding proposal from XXXX XXXX  ( showing XXXX misrepresentation )

Company response to consumer: Untimely response