Our operational headquarters are located in Irvine, California and we have four They told me that unless I set up a postdated check they will call everyday. you'll file BK every 7 yrs and clear your debt. Good thing I had a room full of witnesses and lawyers oh and one State Senator who was extermly upset at the tactics. Every day we would get phone calls and we told them we could not afford the payments to please take the car. Once my payment was late (even know I had a credit on my account for about 50.00 I pay extra every month), they were calling constantly, 3 to 4 times a day. My only transportation. 800-304-6812, 800-924-0364, 888-469-4520. Sergei Lemberg is a lawyer whose practice focuses on consumer law, class actions and personal injury litigation. When I signed paperwork I signed as a co-signer. This website is attorney advertising: prior results do not guarantee a similar outcome. Each time I would call and enter my account info to speak with a rep, they'd pick up the line and hang up immediately. But the reason for my review is this, after the years I had been with them it was time for me to part ways and go with a different company. Operating Status Active. The interest rate on a loan is typically noted on an annual basis known as the annual percentage rate (APR). But for some reason they just cant seem to receive our payment. Log in to the Customer Portal. Your student loan servicer is obligated to provide you with the following information: Your loan repayment schedule. I called them multiple times to request escrow analysis. I asked them why they talk so bad and I was told that they are not in the business of customer service. Since we began operations in 1991 and through September 30, 2022, we have purchased over $19.7 billion in contracts. They are the most unprofessional, demeaning bunch of liars I have ever done business with!!! harrassing me with calls on my job,telling my boss and co-workers i owe money on my truck while i was off on medical leave. I recorded him giving me multiple excuses as to why they ran his report, yet none of those were legal. The company's policy is to allow 3 months payments in default before repoing . They claim it is because we failed to accept the harassing calls from CPS, and also failed to return their calls where voicemails left for my husband and I never returned those calls. Generally, CDs compound on a daily or monthly basis. A grace period is the period between the end of a billing cycle and the date your payment is due. I have told them not to call me anymore, but they still do. How about this, I got a loan in September and paid on time. Hi I had a loan with CPS for a 2012 Nissan Sentra the loan was taken out in 2014 I dont know how dealers are aloud to use them I paid the car for 4 years my loan was 6 years the loan was 13 thousand they never sent me anything telling me what I owed when I found out I owed 10 thousand still i was pissed I all ways put more to my my payments than I was suppose to did nothing for my credit and when I contacted the dealer and told them I wanted to be put with another company they said i had to stay with them i did try to pay turn the car in the problem was i got put in to a car so the Kelly blue book said the car was worth 9 thousand but I did not believe that because my car did not even have 100 thousand miles no body would take my car either so my car was taken and Im disabled and have been with out a car since because Im on disability now and dont get much money to get a car this place repo my car because I asked them to drop my payment a little they would not and I was not behind either my car would not have been paid off at the 6.year loan, Purchase my car in 2016, the loan balance was $23k. Please enter a valid email adress, Your phone Whats your phone number? The complaint has been investigated and resolved to the customers satisfaction. I never avoided them and all of my contact information was always current. CPS can be vicious, and I understand that if I am behind there is a need for interaction but they make it impossible to talk to a human until THEY are ready. FAQ. We promise not to send you any unrelated messages, Click here if youd like to unsubscribe from notifications about new complaints of Consumer Portfolio Services, im not just happy with the service off consumer portfolio services. I am a teacher and I am not allowed to take personal phone calls unless it is an emergency. Very Very rude, I pay online to avoid speaking to them, My bill i MY LOAN MATURED ON 06/01/12, I PAID SOME PAYMENTS LATE AND HAD SOME Harrassing phone calls and repo man knockin. It is not worth it! You may even get something in the mail. As for your specific concerns, there is no set grace period for late payments. AND THE MANAGERS ARE JUST AS RUDE AS THE EMPLOYEES I DONT KNOW WHAT KIND OF COMPANY THAT THEY ARE RUNNING BUT THEY ARE NOT PROFESSIONALS AT ALL. You will be able to download a PDF. Whats your name? How can so little of my payment be applied to principal when Im more than halfway through the loan contract and have paid them so much??? He got tired of them calling and told them this is a place of business and to stop calling there. $15K was my estimate for a new catalytic converter. Yes, it will be on the credit report who wants that but who wants to jump at paying a note to someone who is very nasty. Be the first one to find this review helpful. $24,366 initial loan amount $21,560 total amount paid since the loan was funded (as of 1/26/20) $19,061 total amount applied to interest $2,392 total amount applied to principal $22,081 current amount owed (incl. So I hung up and called right back while I was holding my other line had clicked it was the rep from CPS she called me back to retaliate some words were said by Ms. Brown the CPS representative a threat was made not sure what kind by that time I hung the phone up again. I financed a vehicle for 21,155.10 in 2014. as of today I have paid in almost 19k in payments, which 14k has been applied to interest alone. Sign up to receive our free weekly newsletter. We value your privacy. Now three years later I get a summons to court, trying to negotiate with them and they are not moving any lower than the principal amount, I was negotiating earlier this year with them and had them down to 8k-9k, I only could come up with 4k, talks ended, I have paid 27k towards the car, they sold the car for $5700, and I still owe 15k? Make your payment on their website. These people, lie, are rude, ignorant, and very unprofessional. But its not only the loan itself that affects your credit scores. Is there anything I can do ??? Currently I have had a financial setback but even so I have not been even 30 day Share your photos and videos with others to prove the truth of your words. When you got your Consumer Portfolio Services loan, Whether you've made your payments in time and full, your payoff amount (usually your loan amount balance plus a few small fees), the due date until your payoff is valid to avoid late fees (usually 10 days from when you requested it), the per-diem (how much of daily interest your loan accumulates), your account number (the new lender needs that to payoff your loan), the payoff address (the new lender needs to know where to mail the check to). I emailed Vanessa to confirm payment was made. The tracking number showed that after the check was mailed out on 7 October it showed that it showed up in the mailbox their mailbox that was listed on their 10 day payoff letter on the 17th. Also, has anyone ever had a car repossesed by them? When you finally reach someone breathing and able to respond, be prepared to be berated and made to feel like a horrible person for having financial problems, If you payed your car note on time. This process can take up to 10 minutes. File a [redacted] and dont let them get away with it! NOt to mention the interest rate. I have been late before but this time I am a month late which is bad and I told them that I would be making a double payment so please stop calling family and friends they decided to get rude with me and others so I did the same. In 2020, Mr. Lemberg represented Noah Duguid in the United States Supreme Court in the case entitled Duguid v. Facebook. I'm sure CPS will try to sue me, my plan is to file a countersuit if they try to put the repossession on my credit report. they are rude and they threaten all the time i had to leave my job 2 ours early because they called my mother in laws and told hee they had a tow truck circleing my road to my house to pick up the car.there have been times i have been late but this is so stupid im caught up but they keep saying i am one month behind someone needs to shut them down they are no good disrespectfull people and they need someone to go in and take care of there mouths for lying etc. In the meantime, you are welcome to call us right away at 855-301-2100. I was threaten with being arrested for terroist threating and harrassment and they me. They are awful. Now granted I never had to experience losing anything but I came dangerously close a few times because there was a lot that went on in my life that made things difficult. A debt collector attempts to collect more than you owe. They say I am the buyer. This review was chosen algorithmically as the most valued customer feedback. They said they will do a audit and came back to tell me almost 2 weeks later that I was still behind and the payments I was making was taking care of the past due which keep in mind the only way I could get my car back was by paying everything that was past due and the payment that was due for April so these people are ripping the customers offEven with proof from their own company employees that was 2 different employees telling me I still owed 249.00 for April and called and took care of it and next payment was not due till end of May and been paying them to only come back and say Im still behindyou cant get your car back from a repossession without everything past due paid up front so my words to you guys stay away. I dont know what to do with this car loan anymore, I feel stuck!! I am concerned because the car is losing value. Consumer Portfolio Solution took my car this morning. The car is broken down at least 6 months out of the year and I cant even trade it in because I am so far under water with this loan. I WORK AS A INVESTIGATOR AND IT IS AGAINST THE LAW FOR THEM TO CALL ANYONE AND POSE A PUBLIC SERVANT OR PEACE OFFICER TO TRY AND GET A CAR PAYMENT. These people have done the same things to my wife and I. Your email Whats your email address? He has been repeatedly recognized as the most active consumer attorney in the country. We need to get a class action lawsuit together for all the embarassment and pain they have caused. I have been making payments for years and the balance doesnt seem to be going down much. Respond to this report! Contact our office right away so we can . 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.
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