My son has a car loan thru this company. He had a streak of bad luck. His wife is on disablity and he got behind on his bills. He had no choice but to get subprime lending. It can happen to anyone. He owed March's payment and got a call from them. He mailed it out the next day. 4 days later they called his work and asked for him by first name only. There is another person ther with same first name and he got the call. They did not verify the last name and went on to share the info about being late on his payment to this other person.This is against the law. I work for a company and I can not give out any info without proof that I am speaking to the correct person by verifing ss number or a faxed letter signed by them to compare signatures. I do not know wwhat kind of action he can take or if it will do any good. I only see BAD reviews about this company and I pray he does not have to deal with them again. He will have his vehicle paid off in 6 months. Thanks for listening. Concerned mother, .
I have had my car financed through CPS since Feb. 2005. Since then, I have been harassed by their collectors. My family and friends have been harassed by their collectors as well. The company’s collectors have violated FDCPA laws by giving out my account information and unlawfully collecting. I received a voicemail on 12-28-09 from a representative by the name of Jay (I still have the voicemail) stating that she has a check payment holding my account and I did not call in to authorize it.
I immediately called her back and told her I never gave a check payment to hold my account until 12-25-09. She asked why I was late I told her, and I told her I would call in on 12-31-09 with an arrangement if I could not come up with the payment. I go to withdraw funds today and find that CPS took an unauthorized payment out of my checking account using my debit card visa number not a check. I did not give them authorization to take a check payment or a debit payment out of my account, let alone give them my debit visa card number. I contacted my attorney to obtain my options to sue.
I sent them a message via their website informing them of when and how I will pay them. A day before I told them the payment will be electronically made via my bank Miss Gonzalez calls and shows no awareness of the message. I was very nice and told her what was in the message. While I was talking she HANGS UP on me!!! What in the world! That is extremely childish and there was absolutley NO cause for that! So unprofessional! I'll be done with them soon! I wish they could be reprimanded for their harassment and unprofessionalism!!!
CPS financed my car 2 years ago. One month, I called because I was going to be late with my payment. They offered a one-time-only deal of extending that payment for 2 weeks. I accepted. What they did not tell me was that this was a permanent change to my payment due date. Since then, I am now ALWAYS 2 weeks late with my payment with monthly late fees piling up that I refuse to pay. I currently owe almost $2, 000 in late fees because of this; also, because of this continual lateness, they have harrassed me at work calling continuously while I am in class teaching. One day I had to argue with the csr because she told me to clean out my car, she was sending a repo team to my school to pick up my car. I asked her if I could call her back in 20 minutes after my students left, she said to just clean out my car. I chewed her out and hung up. She called 5 minutes later claiming that it was not her who had previously called me and asking if I would PLEASE return her call in 20 minutes. They have also harrassed my elderly and ill parents, my neighbors, my friends, and my coworkers.
CLASS ACTION LAW SUIT AGAINST CONSUMER PORTFOLIO SERVICES - JOIN
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During life of loan coerced in to post dated checks, harrassed, references harrassed, only 30 days past due, when post dated check processed on unagreedupon date caused return. Called to advise problems with other personal checks and Ms. Williams stated "oh so I guess if we told you to jump off a building you'd do that too?". Consistantly rude, harrassing, violation of creditor/lendor rights and to this day I've been waiting on valid pay off for more than thirty days. They are not honest and have no regard for the regulations they are to work within for the state in which the car loan originates in regard to collection policies and protections under the law for the person paying the loan. Anyone interested in joining a a "Class Action" lawsuit, please contact [protected]@gmail.com
These people call me everyday about 5 times asking for money for a truck that they took. I had lost my job...
I've been dealing with this company for over three years and refuse to spk with anybody with this RUDE...
This company is very harrassing and constantly calls my house phone, work phone and my cell phone and leave rude messages threaten to come pick up my car and when I return the call its totally different story! Sometimes I am late on my payment or I make a partial payment which may be half or more than half of my monthly note and still harrassment. They are very unprofessional and talk to me like I am nothing. Sometimes they leave me in tears after the way they talk to me. I could not believe when they told me well can't you borrow the money from someone to pay your car note, why are you late, why don't you have a checking account? I will be so glad when I pay this car off and will never purchase another car through them. I promise if I would have know how rude and unprofessional these people were I would not have accepted the loan. They are so stressful! I had a loan for a car through a bank and they never gave me as much trouble as CONSUMER PORTFOLIO SERVICES!
I'm so glad to be giving back my Vehicle financed with Consumer Portfolio Services. I purchased my vehicle in April 07 @ 16, 851.00 and still owe 12, 200.00. I tryed to trade in vehicle...but owed to much.
These rude and evil people have been harassing me and my children for 3 years. Some Man called our house one time and talk to my 11 year old daughter. He said if he did not talk to me, someone was coming to get her, he was calling CPS (Child Protective Services). I called and complained. Once we were out of town at a Softball Tournament and these folks found out what Hotel we were staying in and said they had some bad news about my oldest Daughter. It was nothing just trying to reach me...oh the embarrassment. They' ve called my co-workers, friends and family on numerous occasions.
OMG These posers have to be the rudest people on the face of the planet. I am so glad to be rid of them. If someone tells you your car loan is through CPS or Consumer Portfolio Services run the other way. You would be better off on the bus trust me. They are rude, arrogant and think they are better then you if you screw up. These people are probably behind on payments to someone too and forgot what it was like to be harrassed and all hours for payments they know you can't make. Don't get me wrong my payments are my responsibility and I own up to my negligence but they make you feel stupid because you are behind. Well I'm a single mom and not Bill Gates to suck it up buttercup. Again run as far away from this company as you can and don't deal with them they are the worst.
I have my car finance through CPS since 2007. Last week I received a call from a lady who worked at Consumer Portfolio Services by the name of Ms. Stanford. She called me at my job and told me that I lied to her about making a payment and needed a payment today. What really struck me weird is that I hadn't spoke to anyone at CPS in over 30 days. After trying to get her composed, she proceeded to hang up in my face and then called my cell. I cannot accept personal calls at work nor answer my cellphone while working. I work at a financial institution and that would be grounds for termination. What further struck me weird is that she got "professional" on the voicemail that she left me on my cellphone. When I took a break to call her back, I requested that she or no other representative of CPS contact me at my work place. Further, I confirmed to her that I had not spoken to anyone to make any promises or arrangements for a payment in over 30 days. Then I shared with her that they would get their payment before the month was out... She said I was playing her like a fool and that they would process the paperwork to pick up my car and hung up in my face. I called back to speak to her supervisor, named Ms. Elba, thinking I would get through to someone with more professionalism and tact...she turned out be just as rude as Ms. Stanford was. Unfortunately, nothing was done and I was treated with additional disrespect and unprofessionalism by Ms. Elba. I tried to contact her supervisor...but whoever answered the phone, said that my account was flagged to be directed to Ms. Elba and no one else.
Today, I received another call at my workplace from Ms. Elba and she started it up again. I reinterated that I cannot received personal phone calls at my job and asked her to stop calling me. She yelled and said "I need my money today!" I hung up. She called back and I said that I would contact the authorities for harrassment if she continued to call me at my job and I hung up again. Then, she called my cellphone and left another nasty message to the affect of "You cannot drive the collatoal for free, ma'am and since you refuse to pay for the collatoral, how about I come to your job and collect my collatoral, now what!"
All in all - I regret the day the dealership approved me for a car through this company. I am currently pressing harassment charges and filing a lawsuit against CPS and specifically these two CPS representatives for distress, harrassment and hardballing their customer.
Well let me start off by saying that I recieved my auto loan through another lender that went out of business and Consumer Portfolio Services (CPS) took over their clients. When I recieved notice about the switch I immediately googled CPS to see the company profile and was so surprised by the number of complaints and negative reviews I saw. I immediately labeled them as the type of company that I wanted nothing to deal with but at the same time there was nothing I could do because I like my car and I figured I would just have to stay on top of my payments to prevent any problems with this company.
Well like many sometimes life hits us with the unexpected and I fell behind on a few bills and unfortunately my car note was one of them. I regret having to call CPS and tell them that I would not thave their money but I had no choice so I called. I admit when I called there was a guy that was rude but somehow we got disconnected (I didnt hang up I promise lol) and when I called back I spoke with a woman who to my surprise was very professional and actually worked out a payment arrangement with me. I thought it was too good to be true. To my surprise I never once recieved ANY harassing calls and I made my payments as promised. So I was so surprised about all the complaints I saw but then I realized that this is a company that works with people with poor credit. I can only imagine the ### calls they recieve of people trying not to pay their note and trying to get over. I am not making excuses for this company I just feel that we as people should be more grateful because they did not have to approve us for a loan. We are a risk to their company and we should do our best to pay our car note and try to establish some credit cause obviously our credit sucks because if it didn't we would not have to go through CPS.
They changed my original due from the 13th of the month to the 1st without my permission or request. If my...
I called into CPS to set up a payment arrangement for the following week and the man I spoke with (MIKE) was unreal. He threatened to take my van. He actually yelled at me! I asked to speak to a supervisor and he said no. I, again, told him that I was not going to argue with him and that he made me feel uncomfortable and that I wanted to speak to someone else. He said, "Why, because I won't do what you want me to, still no!" Only after I told him that I was going to start recording the conversation, he finally gave me to someone else. The other gentleman (BRENT)was proffesional and set up the arrangement with no problem. Brent even stated that I had made my payments faithfully for over 2 years with no problem so he didn't understand the problem with being a week late, yes just a week. Brent also told me that he'd have a supervisor call me so I could report how Mike was acting but no one ever called.
Consumer Portfolio Services Inc financed my husband’s vehicle back in July of 2006. In any event – my husband lost his job two weeks later. Low and behold my husband has been trying to get back on his feet. I informed CPS about our situation – however – they were not interested.. CPS did not assist or work with us in anyway. Therefore - since then - I've been behind on my payments. CPS calls me, my husband, my sister and my job on a daily basis. They went as far as sending a lady (who did not care to leave her name) in a FORD fusion to deliver a letter and to take pictures of my home and my neighbors on Sunday, June 27th 2010 @ 2:30 PM. I have a list on dates and times that CPS has called threatening me and my family. I reached out to an Attorney for advice and they suggested that I get in contact with someone local who can assist me with filing a suit against Consumer Portfolio Services. Please assist me with this issue. I know - I'm behind on my payments - but - when I try to talk to someone @ CPS - they don't want to hear it. They just want to threaten me and my family... PLEASE CONTACT ME IF YOU WOULD LIKE TO PARTICIATE IN A CLASS ACTION SUIT AGAINST CPS - PLEASE LET US KNOW. MY EMAIL ADDRESS IS: [protected]@gmail.com
I have had a auto loan with CPS since 2005. I signed up for the automatic payment option when I purchased my car. I have been on time with my payments for the last 5 years and am close to paying off my loan. I was recently laid off from my job and applied for unemployment benefits. As most people know this process can take anywhere from 8 to 12 weeks. I called CPS and let them know of my situation and was spoken to rudely and was given no consideration even though I had been a loyal customer who paid their bills on time. I have been HARASSED the last few months with several phone calls a day on my home and cell phone at all hours of the morning and evening. I am only one month behind in payments and agreed to catch up once I received my unemployment check. I have never been treated or spoken to in such an unprofessional manner and on top of that they leave threatening messages like "if we don't hear back from you today i'll have to make a decision on your car". What kinda crap is that? My boyfriend sometimes gets the messages before me and is VERY concerned about who I have my loan with. It is emberassing when they are constantly calling, even though you spoke to someone SEVERAL times! Plus, not only do they call and harass you, they call anyone you have down as a reference! Not sure if these people get a commission or what. I want to switch my loan to someone else immediately! This business should be ashamed of themselves and be closed down by the better business bureau.
CPS has continuously posted payments to our account AFTER the due date, however each payment was sent AND deducted from my bank account BEFORE the due date. Our last 10 payments are showing late charges incorrectly.
We recently made the last scheduled payment, a total of 48. They are claiming we only made 47, ( the payment history I have that shows 48, and has been looked at by my accountant and my attorney) came from THEIR records!!!
They also double 'autodrafted' my account, which in turn caused not only a negative balance, but bounced a mortgage payment. THEN they charge me an NSF FEE for that check, even though that months payment was made and posted!
SCAMMERS and THIEVES...
I have filed several complaints with the States Attorneys office.
I was financed through another Company for my car loan. The finance went bankcrupt, and CPS took over.. I was sent ONE letter informing me of the company change, along with my new account number. I lost all my documents while moving, and tried to contact CPS to get my account number so I could send my payment. I called numerous times, and could not get in contact with any live person. I was always referred to leave a voice message with a return number and my Social security number( which is very unsafe to do). I NEVER received a return call. I received NO aditional bills to make a payment, and no call backs. It has now been four months and still no catact has been successful. Now they are looking for my car for reposession, and have not gotten any advance notice. I am still trying to contact CPS, and still no contact, and no return call. DO NOT GET FINANCED WITH THIS COMPANY IF YOU ARE SEEKING A LOAN FOR A CAR. This is a Dishonest company, avoiding your payments only to repo your car and sell it to collect the dept from the companies they take over. BEWARE if your company has been taken over by CPS. You'll be sure to lose your verhicle.
These people call my excessively at work for my loan payment. I believe they sent out someone to repossess my car and I saw them sitting in my apartment complex so I left then came back about 20 minutes later and they were parked in a different location. When I called to ask if they had sent someone to repossess my car, they wouldn't give me a straight answer. Also they asked me the condition of my car. I would love to give them the car back!!! Working with this company has been a nightmare. Please let me know about the lawsuit. I'm all in!