Terrell Owens is being accused of dropping the ball on a pre-season bet he lost to a fan -- a bet involving a $200,000 Bentley.
The fan claims the Buffalo Bills receiver owes him the car -- because before the season started, Owens made a "deal" (through his Twitter page) to catch 10 TDs this year ... or he would fork over the keys to his prized ride.
The season came and went -- and T.O. didn't even come close to the TD mark. Now, the fan is trying to collect -- but claims Owens is completely blowing him off.
T.O.'s rep tells us the whole thing was "all in good nature" and there was "no reality" to the bet.