Debt collection -- Threatened to contact someone or share information improperly -- Complaint #6083381
Complaint Overview
Complaint ID: 6083381
Company: Titanium Funds
Product: Debt collection
Sub-Product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-Issue: Talked to a third-party about your debt
State: California
ZIP Code: 900XX
Date Received: 2022-10-13T12:00:00-05:00
Date Sent to Company: 2022-10-13T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/2022, at approximately XXXX XXXX. Pacific time, I received a call from XXXX related to an attempt to collect a debt allegedly owed by my sister. The person on the phone identified themselves as working for Titanium Funds. The call violated 15 USC 1692b, 1692c for the following reasons. First, the caller identified her employer ( Titanium Funds ) without my " express request, '' in violation of 1692b ( 1 ). Second, in identifying her employer, the debt collector implicitly revealed that the call related to the collection of a debt, in violation of 1692b ( 2 ), not just because the name of the company itself discloses the nature of its business, but also because Titanium Funds publicly holds itself out as a " Consumer auto lender in Utah. '' Third, the stated purpose of the call was not to collect location information. Instead, the debt collector told me she wanted me to pass a message along to my sister ( whom the debt collector identified by name ). 1692c ( b ), only allows communications with third parties for the sole purpose of collecting location information : the debtor 's usual place of abode, the debtor 's telephone at that place of abode ( i.e., a landline telephone number ), or the debtor 's place of employment. The debt collector did not ask me for any such information. She asked me to communicate a message to my sister, in violation of 1692c ( b ). I informed the debt collector that I understood her call was not allowed under debt collection laws and that I would not act as a middleman in delivering messages to family members. I then terminated the call.
Frequently Asked Questions
What is Complaint #6083381 about?
Complaint #6083381 was filed against Titanium Funds regarding Debt collection specifically about Threatened to contact someone or share information improperly. It was received by the CFPB on 2022-10-13T12:00:00-05:00.
How did Titanium Funds respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against Titanium Funds?
Yes, visit the Titanium Funds company profile at readthecomplaint.com/company/titanium-funds to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.