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Consumer Portfolio Services / Unlawful Harrassment

1 CA, United States Review updated:

Consumer Portfolio Services is what you call a SUB-PRIME LENDER.It is equivalent to getting a loan with a LOAN SHARK! Their UNPROFESSIONAL, UNRULY MANNER, LAW BREAKING TACTICS, are exactly what you will get with a Company like this... This company's SURVIVAL is by PREYING on those who have filed Bankruptcy and or having financial difficulty! This Company makes BANK by giving you a loan with a JACKED-UP INTEREST RATE! If you are 1 min late you can count on getting SEVERAL HARRASSING phone calls! If payment is not made, (they could care less about your situation) they turn around and repossess the car, they sell it and then you are responsible for the deficeit. HEY DOES THIS SOUND FAMILIAR TO ANY OF YOU THAT HAVE LOST YOUR HOME TO SUB-PRIME HOME LENDERS!?! These people operate the same way! ONLY FASTER! However, you the Consumer has rights! The DC (debt collector) cannot call you at WORK... They cannot call your EMPLOYER... and they cannot call your REFERENCES AND DISCUSS YOUR BUSINESS WITH THEM. They cannot THREATEN and VERBALLY ABUSE YOU, in any way. They cannot say things like " we are going to garnish your wages". Each State has similar but different laws regarding repossession and it would behoove anyone to contact a Consumer Attorney to learn about your State and Federal laws. In California, there is also THE ROSENTHAL FAIR DEBT COLLECTION ACT. It is in place to make sure DC's adhere to LAWFUL and FAIR Business tactics while trying to collect a debt...You may send a CERTIFIED letter to the company requesting they cease the harrassment... You may list any unlawful conduct etc etc... The point is to COMMUNICATE and DOCUMENT. It is a papertrail that validates what is happening between you and this company... (Notice how CPS never records their phone conversations? If they did, by law they would have to let you know) This is how they get away with their UNLAWFUL ACTS! Don't be surprised if they continue harrassing.. The Best advice is to contact an attorney and discuss your situation. Some attorneys are willing to give you 10-15min of their time for free...Good Luck to anyone who has a loan with this Company... your going to need it...

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  • Ke
      22nd of Oct, 2009
    0 Votes

    what can i do to harassing phone message that i saved on my vociemail

  • Ju
      23rd of Nov, 2009
    0 Votes

    I too have had the same exact problem with this company. I have come to the conclusion that this is a govt owned company. Because they break every law that can be broken and they are still in business, it leads me to believe that the govt set up this company to give the poorest of poor and those that struggle the most to pay their debts for whatever reason, a loan to get a car so they can continue to work. A person with a car is much more likely to be responsible then someone who doesn't have a car. If it wasn't a govt owned company there is no way they wouldn't have been sued. I would like to start a civil law suit. I would like to get everyone that has had any kind of bad experience with this company an opportunity to take part in this law suit. If you are interested in moving forward with me, please email me at In the subject line please post CPS Car issues. If you would forward me an email with what you have gone thru with this company and any contact info you feel comfortable sharing, I promise you I will do my best to expose these people in our court system. This company went into my daughters checking account a second month in a row, and took payment, even though they were told several times that they could only take one months payment. The lady then said to my daughter we will be taking next months payment as well. My daughter said no, they didn't have her permission to go in there any other time but the payment she was calling for. They went ahead and stole the money out of her account the next month without any kind of contact or permission. I too have suffered all the same phone harassment as well as having all my family members being told that they were coming to repo my car. Again, I will be shopping for an attorney and filing a class action law suit. If the govt is behind this, it needs to be exposed, if this is an American company doing business in America, then they need to abide by the laws in America and calling and threatening and stealing money from our accounts is not the way we do business in a law abiding country. Email me if you are interested in joining this civil lawsuit.

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