Consumer Portfolio Services review: Harassing calls at work! 150

We have now been with cps for 2yrs and I have to say they are the worst ever! They have called my home phone and place at work more times in one day it's crazy! They have called my neighbors and said I used them as a reference when in fact I did not...I don't even talk to all of my neighbors but they now know my business. I"m tired of the threats of coming ot take my car at this point I am so ready to let them take it! They are calling me the day before my payment is even due give me a break! They have taken unauthorized payments from my acct several times and left me in a hole but once again they don't care! I have never really been more than 2 payments behind and these calls have to stop! They are very rude and unprofessional! I wish they would go out of business! I will never again deal with them for as long as I live.

I am so glad I am done with them :-) I lost my job last year so we couldnt afford 2 car payments and house so my car had to go. We were never late on a payment for 2 years so as soon as I lost my job we decided to have them pick it up. We figured why prolong it if we know we couldnt keep it. They took 3 months to pick it up and during those months we got daily calls all time of day and each time told them to come get it we couldnt afford it. THey finally did in July. Well fast forward to today we got a letter from out DPS office that we have outstanding toll charges in Houston (we live in San Antonio) from October! Called them if they can give me any info to where our car went to. They said no and if they did they wouldnt give it to me anyway cause they repoed the car.

All I can say is I will NEVER DO BUSINESS WITH THEM EVER!

THIS COMPANY IS TERRIBLE MY ENGINE IS GOING IN THE TRUCK I AM STILL FINANCING SO I MISSED PAYMENTS EITHER PAY THEM AND NOT HAVE A TRUCK OR FIX THE TRUCK AND NOT PAY THEM STUCK BETWEEN A ROCK AND A HARD PLACE..THEY CALL ME ALL DAY HOME AND CELL I TOLD THEM I NEED TIME SHE TOLD ME THEY WOULD START LEGAL ACTION GARNISH MY WAGES 25% NOW IM LIKE GO AHEAD TAKE IT BACK I SHOULD NOT HAVE TO DO ENGINE WORK ON A TRUCK I ONLY HAD FOR A LITTLE OVER A YEAR FREE ME OF THIS BURDEN YOU'LL BE DOING ME A FAVOR.

I had a 2003 ford from them I was trying to work out catching my car payments up. I still recived phone calls everyday. when I finely called them back i ask for the person that I had been talking to. When this other lady go own the phone and told me that the arraments that I had made was not good enought and they was still going to come get my car. I ask to speak to her superviseror . she put someone else own the phone. he told me the arraments where fine. then he ask me where I was getting the money. I told him it was none of his business. he ask me why was I being so hatefully with him. Well I said seance he ask #1 I was tired of the harrassment. #2 I was none of his business where I was getting the money to make the payment. He then told me that he was getting tired of people not paying there bills. he heard my disabled husband in the back ground and told me that I need to tell him to go get a job and help me pay my bills. I told him I was done with them at that point they could have the car back. He told me that they did not the car back that they would take me to court first. he also told me he didn't care if I drove my car off in a lake or set my car on fire. and I guess there boss thought it was ok for her employee to talk to there customer. So I took the car back to the place where I bought it. If they want people to pay for there cars they need to learn some matters

Well I think now I’m not by my self I have send a payment to CPS to cover 3 month plus what ever late fee I have they didn’t not care they just tock there monthly payment and didn’t cover my late fee now they are calling my job every single day to tell me the I have to paid late fee on the late fee the I have from before they are a rip-off some one have to put a stop to this people. Please how can we put this company out off business?

These people are the rudest people in the world. I was one payment behind, they called my job 3 times spoke to me twice in the same day, spoke to a fellow co-worker proceeded to tell my business to this person. They have also called family / friends and put my business out there. All for one payment that was less than a week late. Not to mention when you talk to any rep they are just demeaning, calling me a liar, hanging up on me. That is no way to talk to a customer.

Good Lord Im so glad im not alone! These people are every bit of rude and beyond unprofessional. And we are not making excuses, My son was in the hospital for a month and i was one day late and they were so rude to my mother! These people wanted to come get my damn car, c'mon! When they call they are rude as heck, and they call everyone I know just to pry into my business! Can someone tell me how they are dealing with these people! I want to file some suit!

What bugs me is that people who pay late EVERY month complain on "harassing " phone calls when in reality there not.. Debtors say that when they dont like what they hear. I understand being late maybe once or twice but evey month..COME ON! get your self a second job or change your life style.. Debtors need to stop complaining about there finance company and start taking responsibility for there debt.. You people want to know how to stop the phone calls.. its easy.. MAKE YOUR PAYMENTS ON TIME! oh and stop making excuses and GROW UP..

I hate CPS. They where calling my sister when i was 2 days late with a payment. They harassed me at work also. They are horrible and so unprofessional. My sister stopped talking to me for 4 months because of it. They will be receiving my bankruptcy paperwork soon. he he he

CPS/Consumer Portfolio Services are horrible.
They call me over and over, although I had made arrangements to make my payments on another date. Since I am unemployed it takes me longer to get my payment to them and I am forced to pay them at the end of the month verses the beginning. The repo people call me and tell my 13 year old they are in front of my house so tell your mom to clean out the car cause we are here to get it. I have a garage but I tell the ### each time. Come get it. I don't care. Then I made a payment this summer that was $99 short and they say its not credited as a payment and harass me each month talking about im 2 months behind when im not. I hate theses people and am going to trade in my car as soon as i can afford too. This is the worst finance company i have ever had. They are rude and tatics are very unprofessional.

if you guys can get a class action suit going include me

omg ive been going through the same wxact thing with them my payment was 2 weeks late and they called everyone of my contacts and told them i was 2 months behind ans how much i paid for the car
the have made all the same threats to me its been a nite mare what can i do?

omg i a m so glad to see that i am not crazy the most unprofessional people i have ever dealt

I purchased my vehicle in 2007, and have never had such a rude company, and employees at a company as CPS. I filed a complaint with the BBB. Attorney General of CA, and The Federal Trade Commission in Washington, DC. I received a letter from the attorney general with C
PS's rebuttal, which consisted of lies to cover their butts.
I have been cussed at, threatened, etc, and now they won't take my payments. I have spoken with an attorney who is going to recommend a class action attorney to help me out. There isn't a day that doesn't go by, that there isn't a phone call or 2 or 3 and even, a message machine calling me, with wanting to know where my car is so they can pick it up in a repo.
Missed payments, well they should take them and leave people alone, and this comes from four car dealers' loan officers who quit them.
If anyone wants to sue, save everything from them including messages on your answering machine. I have yet begun to fight, and I refuse to give in. This company needs to lose a couple lawsuits, and see what is wrong with their company. They need to take classes in how to deal with the public.

I totally agree with you, I didn't realize how bad this company was until they took money out of my account not once but twice without my permission and I fought with both the bank and cps and never did get my money back... whatever you do don't pay your pmt over the phone they keep the information and take money out of your account and no one seems to be able to stop these people. They have harassed me at work, my family and some of my friends. Nothing stops these people... THEY HAVE TO BE STOPPED! I don't understand why or how this company keeps in business.

OMG! I am so HAPPY to find out Im not the only one dealing with this companies harassment! THEY HAVE TO BE STOPPED! THEY CALL CONTINUOSLY UP TO 25 TIMES A DAY AND THATS NO EXAGERATION! We fell behind recently due to 2 medical emergencies that required emergency surgeries 3 weeks apart resulting in loss of income. When we called to work out an agreement we thought that everything was ok till a week before our payment was to come out our account they sent it thru a week early which caused an enourmous amount of fees not to mention they had the nerve to call and accuse us of writing them a bad check! They have lied to us on a daily basis as well as try to threaten us. They are VERY rude and will talk over you not let you explain your situation very unwilling to work with ANYONE! Has harassed my husband at his job and numerous times have called and said they were tow truck co. and would hang up and have even said they were the local police! This IS FRAUD! It has to be illegal for them to pose as someone else! After the payment came out our account I informed the company they are no longer authorized to take out payments from our account and guess what THEY DID! I would NEVER EVER send ANYONE thru this company! They are more than unprofessional they are a disgrace to the financial world!

I am sick and tired of this "finance company". They simply have no respect for people including themselves. Sure, everyone has a story as to why they can't or didn't make a payment, but the rudeness is uncalled for. But you all need to remember that they are attempting to elicit an emotional reaction and they do just that. If they elicit this emotional reaction, they will usually get you to pay. And don't be fooled; they don't want you to pay ontime. They expect and bank on you being late.

I bought a vehicle in 2007, and only been late once, due to bank fraud and ID theft, and this so-called loan company is taking legal action on me. They say I haven't paid a payment in almost 5 months, and I know I haven't. They even tried to say I told them to take more from bank account one month, and now the sent back 2 months payments, uncashed in a bill. They don't want me for a customer anymore. I have notified the Federal Trade Commission, the Attorney General in the State of CA, and the BBB. They told me that the BBB is a worthless organization and they don't have to adhere to them. I also know this happened to a friend of mine when her son was dying of cancer. No compassion, cares or worries for them, yet they are out drumming up business with car dealerships who refuse to do business with them.

This company called my ex husband who I haven't been married to for over 20 years. I don't even know his phone number and his name was NEVER listed as a contact. They called my church demanding payment when they were nice enough to pay a payment when I was off work. They have used foul language to may daughter and even threatened her with bodily harm. When she told them to quit calling and hung up they called back 5 times and cussed her 0ut. There should be something that can be done about this.

I too, am a victim of the infamous Consumer Portfolio Services people! I am one payment behind and they have called up to 23 times a day at my job. When no one will talk to them, they pull out my references and start calling and harassing them as well, making sure they let everyone know they are calling from CPS. Of course everyone thinks this is the Child Protective Services agency. I have asked them to stop calling my job, surprisingly they did for about two weeks but the calls are continuing. I am documenting everything they do.

I would love to join any class action against these idiots. They harrassed me for weeks not knowing I don't even do business with them. Stupid is as stupid does, they are fine examples.

Kudos to Beth on making her payments on time and not having to deal with them and hope you never do, becasue I also started off like that and soon as that first payment was not made then the calls came and it got worse. I hope someone from the company reads these and fill like crap. No one there has any politeness. That's why i'm going to go to another company it's called roadloans.com

It dont matter if owed only 1 pmt... a loan is a loan.. the only thing they are up to is making sure they get their money..its THEIR money that you are holding back, and if its just $600 like you are saying that you owe..then PAY it ! ... you can stop the calls it you just paid your obligation... you signed a contract agreeing to pay $x amount on certain days, if for whatever reason you are unable to, you still got to find away, situations do happen in life, but you gotta rememeber... life dont stop bc of "your situation".. business is business.

PEOPLE NEED TO UNDRESTAND THAT SUBPRIME LENDING WILL BE GONE DUE TO SO MUCH DELINQUENCY ON MORTGAGES AND AUTOS. YOU ARE A SUBPRIME CUSTOMER, THAT MEANS YOUR FICO WAS TO LOW OR HAS HAD MANY COLLECTION ACCTS. SO DON'T SIT THERE AND COMPLAIN ABOUT YOUR DELINQUENT ACCT. WHAT YOU NEED TO DO IS BRING YOUR ACCT CURRENT SO THEY CAN STOP ALLING YOU OR SET UP A AUTOPAYMENT SO YOUR NEVER LATE ON YOUR ACCT BUT YOU PROBLABLY DONT WANT TO DO THAT BECAUSE YOU WANT TO PAY ON YOUR TERMS NOT THE TERM OF THE CONTRACT THAT YOU LEGALY SIGNED. IF YOU DID NOT LIKE THE PAYMENT DATE THE YOU SHOULD HAVE NOT SIGNED A CONTRACT THAT SPECIFYS WHEN YOUR PAYMENT IS DUE ******

I just want to comment, in addition to the harrassing phone calls and rudeness, CPS deducted a double payment from my checking account when it was only suppose to be one payment. They were so arrogant and would not acknowledge their mistake. As of today, they have not offered to pay one NSF fee that was charged because of their error. Now, again, they have deducted an unauthorized payment from my checking account, despite me telling them that I would only agree to one payment at a time. I have contacted my attorney because again I have racked up on NSF fees because of them. My attorney has contacted the DA's office asking for help in this matter. I am not the first complaint she has received; I hope something can be done about this company.

I am very sorry to everyone who has had trouble with them.
This is my first car loan & it is through CPS. I had never established credit because my attitude was-- if i cant pay cash for it-- I don't need it... well... I couldn't come up with 16k for my car.
It was to my understanding CPS takes individuals that are higher credit risk. I always pay my bill early and add $40-$200 to the payment.. I have never had a problem. I am sure they have always delt with people who were the same as me--"high risk" and are so used to repossessing vehicles bc people simply don't pay their bill. I don't agree with the harassing calls at work or the rudeness-- but I haven't had the experience.
I have had my loan for a year- and never spoken to them... I guess all in all-- if the bill is paid on time and the account kept current people wouldn't have the problem of harassing phone calls. I am a single mother and sometimes $$ is hard to come by... but I manage.

CPS what a finance company they are very unprofessional, I called to surrender my 2003 ford explorer because I cant afford it rite now and Mrs. perry homes from the repro department told us that they need proof of income to see how much I made to see if they could repo it or not, and when I refused to give her that info she told me that I could keep the car and they were going to sue me. she was really rude nasty, she also told my wife who is authorized on my account why is she calling and that she did need to call no more. I have told them to come and get the thing several times and they refused to do so.they are calling my friends house and harressing her even though she told not to call back. I also told her that I was sending a letter of surrender and she told me to keep my letter and wouldnt give me a fax # to send the letter. cps is a joke and I hope to get something done about this problem and the company.

CPS, INC
HARASSING, BULLYING, ABUSIVE, DEMEANING, BELITTLE, LIKE STREET THUGS.
LET SAY-THIS AGAIN PLEASE.
LIKE STREET THUGS
NO! BUSINESS MANNERS AT ALL.
ATTITUDES THAT WOULD MATCH A RABBIT BOAR HOG.

I can add on to the list as well...my car payment is due on the 9th if I don' pay it that day they are calling me on the 10th at my job that is crazy. I know that I have a 10 day grace period and my payment is not considered late until the 19th. I have asked them to stop calling my job and they told me by law that they can call me if they want or they can just pick up my car.I have tried to call the BBB on them but no actions taken. I cant wait to finish paying off my car so that I don't have to deal with them. The reps there are very unprofessional and when you ask to speak with a supervisor they all say that they are always in a meeting which I find very odd.Something needs to be done this is not right.

I agree. They told me that I could change my due date which I did. I am one month behind and the next due date is today. They have called me threatening to pick it up and refused to make arrangements. Leslie at ext. 2858 is very rude and could care less. I spoke with her last month to delay taking the payment out of my account for 2 days. She didn't put any notes on my account and they took it out anyway which threw all my bills behind. She is very rude and stated that if I didn't borrow and send the payment by noon that she would have someone to pick it up. How do you know if they are for real or just threatening? I wonder if Leslie was ever behind on her bills.

FIRST OF ALL IF YOU ARE USING CPS YOU HAVE HAD CREDIT ISSUES IN THE PAST WHAT MAKES THE BANK THINK THAT THEY ARE GONNA BE THE LUCKY ONE THIS TIME, YOU PEOPLE NEED TO PAY YOUR BILLS ON TIME AND YOU WILL NEVER HAVE TO DEAL WITH A SECONDARY BANK TRUTH HURTS ... IF YOUR USING THEM YOU ARE A CREDIT CRIMINAL AND BOO HOO GOD I HATE ROACHES...

They do the same to me. My payment is due on the 5th of each month. They have actually called me on the 3rd to see if it would be on time. If its not they start calling me on the 6th to see why it is late. In the 4 years I have had a loan with them I have had ONE only 1 of their employees treat me like an actual person the rest treat me like some piece of dirt. Its insane! I am a middle class American who like everyone else is struggling right now. I hate CPS. And I have told all my friends no matter what NEVER get a loan through these people.

I can't believe how similar my situation is. Cps has also harassed me at work several times a day also being abusive to my co worker and calling her a liar . I wish I had never gotten involved with these hoods. The relentless calls to my home cell and work and family. They call me and immediately start the attack. I fell behind by one month due to sickness . The are rude and the most ignorant people i have ever talked to. After calling me at work and yelling and calling me names I told her to call my husband . This bi-- called my husband and he asked her when are you going to pick up the car ? she said she wasn't and demanded the payment . My husband informed her that we no longer want the car and do not want to do business with them any more. This woman then called me back at work and said she was going to garnish my wages . I informed first she must get a court order to do so and some more arguing and yelling went on between us and by this time I was furious enough to b slap her if I were close enough to reach her. By the way I have worked in the same medical center for 8 years. She then proceeded to call me names white stick which i have no clue what this street slang means. I think they are a bunch of racist working there as well as uneducated unemployable bottom feeders that no other company would dare hire. Last week they called and threatened to repo my car if i didn't pay them western union right then i told them please do. My husband is retired medically and I am still working however due to medical bills and unforeseen events i am filing for bankruptcy . When my husband informed her of this she said you are liars your not filing for anything give me your case number and lawyers name and of course i gave her a name and it wasn't that.

I agree some how all of us should be able to file a class action suite and shut them down. We have pretty good senators in michigan so I am planning on writing to them and my attorney general maybe I can get some where. There are other finance companies out there that are not like this one. This does leave a bitter taste that just doesn't go away. It amazes me that this company can skirt so well around the law and still stay in business. Whats going on out there? Why hasn't this company been put out of business and why are dealerships still using these people.? Maybe we should target and name the dealers that deal with these people I'm sure they are aware of there tactics and its any thing for a sale.

I have had them call and misrepresent themselves as a tow truck company dispatcher . Wow the lengths they will go to. By the way there so called recorded calls my husband asked them to play for him don't exist after all why would they record themselves abusing a customer ? Good luck to all of you I will let you know if they ever pick up there car .

i am having the same problem with cps they refused my payments also the manager said that if i do make payments he will still take the car away from mewhat do i do?

anyone feel free to email me..ddanhaueter@aol.com...these people are absolutely insane...i record everyhting ..all phone calls..everything...lets get a class action...but sitting on our buts isnt getting anything done

Been there through all of these! There has maybe been one polite person that I talked to with that company and that was about a year ago and He probably left them if he knew what was good for him...
Get this one on top of all the harrassing calls at home, work and my referrals also getting calls they are liars and impersonators.
Back in May I was 1 payment behind in their terms which would be on time for any other company and this is because I "sold" the car to my mom so she was to be making payments but didn't so as I said I was a little late making a payment. Don't you know they call me at work and ask about the payment and I said the check was in the mail and refused to make a payment. Then another person called same story I said they would get their payment in 1-2 days I had sent it. Then I receive another call from a "state trooper" in Ky telling me that my car will be repo'd today and they need to know the exact location and I went on to tell him that there was no need for that they would be receiving the money and I had talked to them telling them this...then my brain kicked in and thank the lord for caller ID the number was not from KY and so I said to the "OFFICER" so if you are calling from Kentucky why is the number showing up not a KY area code, his reply Oh really---CLICK hmmmm yeah I didn't think that was right impersonating an officer THAT IS ILLEGAL
So I called them back and said they just did that naturally they denied every bit of it...But I am finally free I just made my Payoff payment today to end my ties with them forever..My husband said now when we pay it off we will call them EVERY DAy 12 times a day until I receive MY TITLE...

CPS is doing the same thing to me. What can I do and who can I contact for help.

MAN, I'M SO GLAD I FOUND THIS SIGHT! CPS HAS HAD A MALE CALL MY HOME AND CALL ME BABY AND THREATEN ME SAYING THAT HE WOULD BE CALLING AS MANY TIMES AS HE WANTED AND AT ANY TIME. I DID GIVE HIM A PIECE OF MY MIND AND WHEN MY BROTHER WHO IS ALSO IN AUTO RECOVERY GOT ON THE PHONE AND TOLD HIM THAT IT WAS AGAINST THE LAW FOR HIM TO ADDRESS ME IN THAT MANNER AND THREATEN ME THE GUY HUNG UP ON HIM. ALSO THEY HAVE CALLED 9-10 TIMES A DAY AND WOULD LEAVE THE RUDEST MESSAGES AND THEY CALLED MY GRANDPARENTS AND DEMANDED THAT THEY SEND THEM MONEY FROM THEIR ACCT! F** THAT! I CHANGED MY NUMBERS AND I AM GIVING THE CAR BACK TODAY! AND I WAS ONLY LATE ONCE!
THE CAR IS NOT WORTH IT AND THEY CAN HAVE IT BACK! THEY ARE THE WORST COMPANY I HAVE EVER WORKED WITH AND I WILL GLADLY TAKE THE HIT ON MY CREDIT, AND I WOULD ADVISE EVERYONE WITH THESE PEOPLE TO ALWAYS KEEP PROOF OF PAYMENT BECAUSE IF YOU DON'T THAT WILL COME BACK BECAUSE THEY WILL SAY THAT IT WAS LATE OR NOT RECIEVED AT ALL. GOOD LUCK WITH EVERYONE AND I HOPE YOU CAN FIND A WAY TO GET AWAY FROM THIS CROOKED COMPANY!

KATE

all u folks sound like dead beats who dont pay their bills there is no such thing as 1 and a 1/2 car payment you sound like you were two pmts behind and you got calls to take car of your financial responsibilities and you did not liek it so you are sounding off online. CPS is a sub prime lender they do not have to follow FAIR DEBT COLLECTION ACTS You bad credit non bill paying irresponsible fools should be glad that you got funding in the first place talk about ungreatful. deadbeat loosers are always looking for ways to get out of paying thier bills, you cannot be professional with thieves who buy cars lie at the dealer to get them and they they do not want to pay their car note. you guys sound like loosers, and crybabies be thankful that someone gave your tired ### a loan and pay your ###ing bills ontime and stop ### tell whoever they think they are who wants to give legal advise to you in this forum to shut the ### up sub prime lenders do not have to follow no fair debt collection act if the company is maintaing thier own accounts they are not a collection company they are accts recieveable

Wow! I wish I this site had existed 10 years ago. I've read through all the complaints and had the same issues.

Ten years ago I had bad credit and needed a car, the salesperson got me a loan through CPS at some obscene interest rate. Had a couple of run ins with CPS about late payments, they repossessed the car, i paid all their fines and fees and finally paid of the car.

Fast forward to now and I checked with credit reporting agencies to verify that the repossession will no longer be on my credit report, i disputed it in April of 2008, i was a month off. It was suppose to come off on May of '08. Well, i get my report back and CPS tacked on another 10 years. Stating, "This account is scheduled to continue on record until April 2018." IS THIS LEGAL?!

I've tried to contact them and I can't seem to find a phone # for them. If someone has a phone number or anyway of contacting them or any suggestions I would appreciate it. I cannot believe i will have this on my record for 20 years.

Thanks and like i said, wish you guys were around 10 years ago.