Cps have called my family and every 15 mintues on the hour. They never called me directly and talked to me and they had my number. When I finally talked to them on June 25, 2009 they told me that my payment plan was cancaled and that I was 2 months behind on my car note and that they was going to repo my car. A Mr. Silva (who is a big LIAR and the supervisor)said that they had called me 54 times and and the numbers he gave to me that they had called where my mothers, grandmas and brothers (who lives out of the state) I told him that those was not my numbers and I gave him mine and he said that he see the number and that it was down in my file asked my if I can come up with 470 dollars and that he would expend my June payment and that if I cant to call him and speak to him directly. On June 26, 2009 I had called him to ask for him a rep said he was in a meeting and if she could help me. I told her that I had talked to Mr. Silva yesterday and he told me to call him directly if I can pay half today and half tomorrow because I had to pay my bills and he started calling me a lair and said that I should have the money and the money that they did not take out should still be there. I told him that I had to pay my light bill and he goes is your light bill late I told him no and he then said to me that I am riding in their car making money and paying all my other bills but not paying them that i do not need to pay my light bill since it is not late to pay my car note. I said that yall cancaled my payment plan and now my car is about to be repoed but you want to to get my lights cut off for something yall did and I did not know about. Mr. Silva then tells the rep to hang up the phone run my credit to see where I was and to report the car stolen.
They have been harassing me since I got the loan, on may 22nd 2009 they called my next door neighbor looking for me, I just moved in. I don't even know these people it was my daughters prom nite. Yesterday on june 22nd 2009 they call my landlord saying they need to speak to me. They are rude told my daughter they were going to repo my car, called my job told them they were gonna repo the car. I need legal help
They have the worst customer services resps I have ever dealt with. I have tried to reach a Supervisor but the CSR (Richard) only hangs up on me after cursing at me, and not just once. It is clear that they are in violation of all laws regarding the Fair Debt Collection Act and the Washington State Laws that protects consumers.
As a company they have really lost sight of customer services and the ability to provide adicquite training. The threatning calls and inability to complete their jobs is the sadest for all Americans. What ever happened to respect!!! I work as a CSR (over 13 years) and would be hired for the treatment of such a customer. I can only feel sorry for this CSR (Richard) that he needs to belittle someone only to make himself feel better for the lack of ability to do his job.
I really feel like cps is a very unprofessional service. I had been having finanacial promblems. My car...
This company is unbelievable!!! I've had a car loan through them since January of 2007 and it is the worst experience I've ever had. I've been 1 day late and the reps from this company called my phone several times, my work, my sister, my parents. They don't just leave a message to call them back either, they give detailed information to the person they are talking to about the account, the amount past due, the amount still owing. They also demand that the person they are calling give them information about where I am and why I'm not answering my phone. In March I was layed-off from my job. I made the March payment and informed them that I was layed-off. They then demanded to know how I intended to make the April payment and wanted to know the condition of the car, mileage, and location. Now it's the end of May and a woman named Sharon Whiteheart or Whitehead called and threatened to take the money out of my account because they had my debit card information. They stated I gave them authorization, which of course I never did. I asked them where that "written" authorization was and they told me they didn't need written authorization they could do it because they talked to me and had my card information from prior payments. As soon as I got the message, I called my bank and reported my debit card lost, just so they couldn't access my account. They have also again called each and every one of my contacts and given them details about my account, demanded to know where I was, and basically called each of them liars when they were told they didn't know where I was. This company needs to be stopped, but unfortunately based on all of the complaints I see on this board, I don't see that happening. I guess we all get to continue being harrassed, threatend, and treated like dirt.
Here are some details:
CEO: Charles E Bradley Jr
CFO: Jeffrey P (Jeff) Fritz
SVP Originations and Marketing: Curtis K Powell
Just thought you all could use some names regarding who owns this company. The rude customer service person at other end of phone didn't want to give this out but the unruly person didn't realize she was dealing with a finance person.
I don't owe anything to this company but once you cross the line and call me twice about someone's account that doesn't concern me and when I have already told you to stop calling me about the person, then I will fight back.
Also, have the call stating that he (the rep) wants me to contact this individual for him. That is against the law.
I pay my taxes and my credit cards when due. I shouldn't be burdened by harrassing calls from a company that cannot keep their act together.
If anyone is going to sue, then include me in. I have filed with the FTC, BBB, and the FCC (I am on the do no call list). I have the case numbers and recordings.
They fax my job every month, send text messages to my cell phone leave messages at home, work, constant harrassment and to send letters requesting do not call does not work.
I made a payment of 490.00 for my auto loan payment to cps on thursday May 1 then the next day while my card was declined I learned that the went into my account via my checking account and took out another 490.00 leaving my account in an overdrawn 100.00, they told me that I would not be able to use my checking account to make a payment because my last check did not have sufficient funds, so that i would have to call in using my visa debit card which comes out of my checking account, but they went ahead anyway and did it even though i had already made a payment, my next payment was even due yet, I have been trying to call all morning the automated system says they open at 9am-12pm on Saturdays, its is now 10:50am and I still keep getting the message"please call us back during out normal business hours" I dont know what to do I called and checked my account and they applied the payment to next months payment, meanwhile my services are gonna be shut off,
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...
I would like to complain that the company CPS is very unprofessional and uses very unprofessional tactics to attempt to0 retrieve payments. I have a sick son @ home in which I miss alot of work for and fell back on a payment. They could not reach me and contacted my neighbors to have me call them. They have also called every person that knows me and my supervisor advising me to call them. The people their that you speak with have nasty attitudes and talk to you any kind of way... Very unprofessional. What makes them think that I am going to call them back if they act like that... UH NO!!! They are still waiting.
This is the worst car loan company ever!!! your payment is a couple days late they start calling you non stop! I thought most normal car loan lenders at least give you a 14 day grace period before they start calling not these guys oh no! 2 days late they are calling. I also have noticed that every month that you are late on a car payment your late fees go UP! isn't that against the law? Arent the late fees supposed to be fixed amounts? Not go up every month? I am almost ready for them to come and take the car so I can end the headache! they are very unwilling to work with you in any way shape or form. I lost my job in 2008 and took a big pay cut when I got on unemployment and they seemed like they had the attitude hey its your problem not mine and wanted to know what condition the car was in and proceeded to ask questions about the condition of the car rather than try and figure out a resolution to my payment problems!
I have a loan with company on a 05 chev impala and i am behind on payments.the company has a represenative calling my work place which is a police station for emergency.I have advise them time and time again not to phone my work place in which I am a dispatcher who dispatch emergency calls.the represenative from Consumer Portfolio ServicesAKA (CPS) will leave messages advising me to contact CPS which suggest there is something involving me with Childrens Protective Services known to most as CPS
I have also been threaten by represenative Ms. Harris she will have the police at my house. When I attempt to tell Ms. Harris I will call her Back she gets beligerant and try to keep me on the phone at my work place.Ms. Harris calls back to back on a daily basis. Even when arrangements are may she and other reps still call my work place as though none of them knows what the other one has arranged with me.I dispatch fire ambulance and police and have told Ms. Harris and other reps that do not call me at work because of the nature of my job.Ms. Harris has even given my work phone number to a person who reposess vehicles and he is calling back to back.
I have advised them on several occasions not to call my work place as much as they do on a continual basis.Ms. Harris has left word with a coworker she need me to contact her so they can pick up the vehicle.
I received numerous calls from CPS at work. I have told them not to call me at work, yet they are persistent and continue the harrassing phone calls. Yesterday, February 19, 2009, at 2:30 pm, a representative called my job, spoke with my co worker, and conveyed that his company needed to know my supervisor's name so he could send paperwork to garnish my wages.
I called this morning, Friday, February 20, 2009, at 8:25am, spoke with a guy called Ygnacio, he conveyed that he is the supervisor, stop whining, he can contact my job anytime, regardless if I tell him not to call at all, and that he requested paperwork to garnish my wages.
We purchased an '04 Toyota in June 2007, we immediately requested a change of due date because of how my husband got paid. They never could seem to get our due date corrected and claimed we had a payment due before we had even had the car 30 days, therefore we had a running battle each month because they said we were late and charged fees and penalties even though we were not late. My husband nearly lost his job because each and every month they were calling his work, his home, parents, inlaws and other references. In December 2008 my husband lost his job, with his last check we made a payment on December 29, 2008. Beginning Jan 2, 2009 CPS was calling our home and each and every reference 3 times a day or more. They were rude, insulting, threatening and harassing to each and every person who answered the phone. They left messages with personal information and blatant lies that could be heard by anyone. I started doing some checking online of complaints and the Better Business Bureau, these people are horribly unprofessional we'd have been better off dealing with loan sharks!!! I really really would like to join in a class action suit against this company. I've seen quite a few people suggesting it but has anyone actually gotten this thing started? If so I would love to join the suit and would be more than happy to testify against them as would everyone I know who has dealt with them.
THIS COMPANY IS HORRIBLE I HAVE A ROUGH YEAR AND I HAVE GOTTEN BEHIND ON MY PAYMENTS YES BUT I HAVE CALLED...
I've been with CPS for 5 yrs and for the last 2 1/2 yrs they've been out of control! Cps calls and restricts their numbers and call so much that I literally have turn off my phone. Then they try to assume what type of person you are if you make a late payment(s) and say things like' you can't pay your bills on time or you need to act like a grown-up. There has been times when I've told Cps not send a payment thru my banking account and did it anyway. The reps call and question and give people information about my account that doesn't have access to the account. On another occasion CPS lied about what they told the person answering the phone. I advise CPS that I'm going to have the calls pulled to where they lied to me and my husband subopena for court they didn't have much to say. They are very harassing, condescending and lie about how much money is owed on you vehicle to get more money! Paula Robles that works in the Collection department refuse to give me the name of the president of the company and told me that's what she therefore to talk to her. Her employee Mikkel Aldophes made comments that was not true and lied to her supervisor Paula Robles.
When I signed paperwork I signed as a co-signer. They say I am the buyer. On one occassion a representative...
When I got laid off in April 08, I started to fall behind on payments, if I was one day late I was called and harrassed. I always made my payments and never let it get more then 1 month behind. I was unemployed till July 08 and single mother struggling just to make rent, utilities, daycare, food and expenses for Son on unemployment check. I still tried to make car payment but was harrassed daily and numerous times by CPS. They called family and friends and threatened them, asked them to make my payments or tried to get more information out of them but not stating who they were. In July 08 I was hired as PT employee with it becoming FT sometime in 09, so I took it because it was a little more money then unemployment but not much. I did Voluntary Repo and they said they would come get it, but continued to harass me, family, friends were now calling me at work on my work cell which I never provided that information to them. They said some pretty nasty things, belittle me and family ... still wouldn't come get car until I told them it was now uninsured, unregistered and sitting under tree and Hurricane was on the way. They threatened me in all kinds of ways from court, garnishing pay, taking assets. I always sent them extra money during Tax Refund trying to pay it down and off quicker and the amount I owed actually grew instead of decreasing. In Oct 08 I received Explanation of Calculation of Surplus or Deficiency, showing amount owed was about another 1k then what it was or should have been to my belief of what was owed after all payments made, amount sold for and stating I owed them around 2k so I looked at it as that isn't so bad when I next my Tax Refund for 08 in 09 I will call and try to settle with them, but in Nov 08 I received a letter saying that they have made several attempts to contact me which now was so FALSE not one phone call from anyone and I owed them around 5, 600. I called and tried to resolve the matter between the two letters and they claim that I do owe them 5, 600 not 2, 000. In all honestly everything they put me, my family, friends, even step daughter one time through, all the FTC rules they broke they should be paying me 5, 600 for the harassment, threats, embarassment, suffering and almost costing me my PT job!! This company should not be in business from all the research I have done on them I am not the only one who has suffered this way!!
People have been complaining about this company since its induction into the auto loan industry. These people are rude, hateful, overbearing...need I go on. I called to get a pay off on my auto loan and the woman was a cu**.
When I traded my vehicle in, CPS was the first to step up and take the new loan, they gave me a descent interest rate. Instead of giving them my actual work number, I gave them my company cell phone number (one that I always carry) because I knew the economy was getting bad, this is the reason why I traded down. I knew that if I got behind on a payment then they couldn't call the upper management where I work and harrass the ### out of them!! I recognize the number coming into both of my cell phones and I just don't answer now! They do call me 5, 6, 20394 times a day but I don't have a mail box full of messages from these as******!!! I called the car dealership that I deal with and told the Manager that if he ever attempted to put me with that sorry company again that I'd drive right through his showroom!!! I am trying to refinance with another bank or trade out, which ever happens first. I'd suggest we all get together and pick a day to call these people to let them know what we think of them. I don't mean call the customer service line because they don't care, I mean that we go further up the chain...to the CEO; flood his office with messages! then let them have back all the vehicles they financed. Let the financing world know that we won't take but so much of their crap!!! With the economy as bad as it is, now would be a great time to hit them where it WILL hurt!!! I don't know, just an idea!
To whom it may concern, i took out an auto loan with consumer portfolio service but in last couple of month...