Consumer Portfolio Services CPS HARASSMENT,LIARS,UNFAIRNESS,RUDE! IRVINE, California
I have been dealing with Consumer Portfolio Services since November of 2007. I have been pretty good about making payments until recently when finances got a little tight. In December of 2011 I made arraingments to make a payment on a specific date. I made the payment and they also took money out of my account making it a double payment. My husband spoke with them about this payment the next month and told him that my next payment wasn't due until March. I made a payment in March and I was told I was still a month behind. I told them NO that my payment for APRIL was only 3 days late and I had 10 days to make a payment. I spoke with them one more time about this same payment and they insisted that I was still a month behind. The person I spoke with was very Rude and Inconsiderate and we exchanged an aggressive argument. When I told her I would make a payment she insisted I make a FULL payment and they would not except a partial payment.( I hung up on her) she called back and my husband answered the phone. she thought we were disconnected and my husband told her NO that it was done on perpose. MIND YOU THAT THEY ALSO TOLD ME MY PAYMENT WAS DOUBLED!! I have receieved phone calls EVERYDAY for almost a month and have been very harassing and trying to strong arm me. I am willing to make a payment to get my payments back up to date but The Harassing phone calls through out the day are REDICULOUS! They say they will work with you and then tell you something else! My loan for my truck was for 12,000 and I have paid over 25,000 for this truck(yes my interest was high at 24%) I only owe about 5,000 but I think they are getting worse about payments now that the loan is almost paid! It will be paid off in February of 2013
3 Updates & Rebuttals
Jim
Orlando,Florida,
USA
An Interesting Deeper Look
#4Consumer Comment
Mon, April 30, 2012
You spent the majority of your report detailing what had happened earlier. You said you were originally behind by one payment but you had done the right thing and made that late payment. At about the same time you say they deducted another payment which for a few days would have put you ahead by a payment but they still claimed you were behind! If one can summarize your statement up to then, it would appear you are saying you were victumized by sloppy bookeeping on their part. Then later this direct quote which changes the picture 180 degrees: "I am willing to make a payment to get my payments BACK UP TO DATE..." which anyone's translation is you are LATE and they want their money. So, its not a matter of sloppy books on their part...it is a matter of you being late, them making collections calls and you not liking that. Solution? Pay your bills on time. You then complain about the high cost of the transaction. You brought that on yourself by bringing to this deal a documented reputation of NOT paying your bills on time and by your own admission what are you STILL doing? Continuing to NOT pay your bills on time! Do you think the time might be upon you to change your ways and climb out of the subprime septic tank? Before you make another false accusation, I don't work for them!
Steven
Jacksonville,Florida,
U.S.A.
When you say you made double payments
#4Consumer Comment
Sat, April 28, 2012
Not sure if this is the situation or not but just because you send a double payment does not necessarily mean it will be counted as one.
I am assuming from your story that you made your payment for December 2011 in January and when you made that payment that they took out additional payment as well to make you current for January but for some reason your husband told you the payment would count towards February and that you would not have a payment until March.
I know from time to time finance companies used to kind of allow you to skip a payment around Christmas time but that usually just tacked a month on to your loan and you still had to pay additional interest. When you picked this option though you should have had something in writing allowing this.
Usually when you make a double payment you should send two different coupons from you loan book or if you do this electronically two different transactions making one for February and one for March (as an example) if you do not do this the lender will just apply the difference to the principal of the loan and you are still expected to make the next loan payment on schedule.
Does this sound like what happened?
April Gum
New Era,Michigan,
United States of America
Her name is RENEE
#4Author of original report
Fri, April 27, 2012
The lady that I have been dealing with and making the harassing phone calls is RENEE