Complaint Review: Consumer Portfolio Services CPS - Internet

I really don't know who to contact, turn to, I have written this letter and sent it off to half the united states of america, from the president, to my local state attorney general, to every talk show, and news channel. So let me begin my brief story, it is about a auto/financial insitution called, Consumer Portfolio Services, whose IL. office makes threats, harrases me, stalks my family and work. They are a auto loan insitituion that gives loans to individuals with not so great credit, or no credit at all. Anyone that has gotten a loan from them as they are trying to get a car, is at first excited? Happy they just got approved, but the dark side of this company, which i've never in my life had to encounter anything of the sort, is absolutely horrible. I am writing this in regards to getting the word out there to people who don't know who they are or what they are like, and for all the people out there that do/did have loans through them, that are pretty much, in a hole from day one. Consumer Portfolio Services as far as I know has 4 offices that service the whole united states with their headquarter office in Irvine, CA and 3 sub offices in IL, FL, and VA, but also an office in phoenix az, which is not on their website. You can only find that address on your CPS bill and like the other 4 office's sites its a PO BOX , wierd dont ya think?, Well Ive done reserch and here is why, they have 4 alias names Consumer Portfolio Services, Inc. Mercury Finance Company LLC Mercury Finance Company of Florida PC Acceptance.Com, Inc. The Finance Company if you look online google it, "Consumer Portfolio Services complaints", rip off report, bbb, and lots of others, ppl all over the world are complaining, yet NO ONE will do anything about it, below is just one complaint site,this is just one link to complaints about the now company CPS CLARA 15 May 2009 THIS COMPANY SOME HOW ONE WAY OR ANOTHER HAS TO BE STOPPED AND REPORTED! I HAVE WRITTEN TO BBB I DONT KNOW HOW MANY TIMES ABOUT THIS COMPANY! I KNOW LONGER HAVE A CAR ITS BEEN GONE SINCE 2004... FIXED AND AUCTION! THE THINGS THE SAY ON THE PHONE IS REALLY FRUSTRATING, ANNOYING. ALSO SOMETHINGS THEY ASK, WELL IF YOUR DISABLED WE WIL TAKE YOUR MONEY WHEN YOU GET IT ETC. ! BY LAW THEY CAN'T! THEN THEY SAY WELL HOW DO YOU ANSWER YOUR PHONE, AND WHO PAYS FOR YOUR FOOD, AND HOW DO YOU TAKE CARE OF YOURSELF! PLUS MORE BUT NOT GOING THERE! JUST ONE PART THAT IS FUNNY, WHEN I DO WANT TO ANSWER THE PHONE THEY ALWAYS HAVE MY HOME ADDRESS WRONG OR SAYING IT WRONG, I TELL THEM SOMEHTING THEY DONT LIKE! THIS NUMBER IS IN VA AS FAR AS I KNOW! IM GOING TO REPORT TO A REPORTER MAYBE ON MY LOCAL NEWS OR RADIO BUT THIS COMPANY HAS TO BE CHARGED FOR WHAT THEY ARE DOING TO PEOPLE! http://whocallsme.com/Phone-Number.aspx/6302882800 "Consumer Portfolio Services" And "The Finance Co."P.O. Box 98736 Phoenix Arizona 85038 United States of America Phone: Web Address: Category: Car Financing Submitted: Wednesday, September 16, 2009 Last posting: Thursday, January 14, 2010 We purchased a vehicle in 03 and due to the loss of a job and medical problems we gave the vehicle back. We sent the papers to them giving the vehicle up and we told that they would send someone to get it within a week. Well 5 months later and several certified letters later advising them to come and get their property they finally sent someone out, the vehicle had body damage and he refused to take it. 3 months later our house was sold and the new owners were taking over, we sent more certified letters requesting they pick it up and even sent one to the attorney they hired. The attorney had dropped them as a client and sent the letters to their legal department. When we moved the new owners allowed us a month to leave it there and finally asked us to remove it. We contacted a towing company and they took the vehicle and they contacted CPS. Now in the mean time CPS is calling all our "references" and telling them we owe money , they call us and we tell them that we have sent certified documentation to them requsting they pick it up. One family member told them they (CPS) knew where it was and stop calling him and just go get it. One agent spoke to my then 10 year old and told him we were going to prison for theft. I grabbed the phone and unleashed on them using and the girl told me I couldnt cuss at her, I told her as long as she called me I can say anything I want and she hung up. This has been going on for YEARS now, they were advised that we had moved out of state and that the vehicle was left behind before we had it towed, yet they tried to file suit in the state we no longer lived in, this was kicked out by the judge. They continue to call my husband at work and had managed to get our home number using a data base that Fedex uses. We have changed the number and no contact only at work and via mail requesting the loan be paid or else. I spoke to attorneys in both states and both advised that since we had tried for so many months to make them take it and they didnt we had the right to remove it when the house was sold. Even with body damage they were required to pick it up and then after auction we would be responsible for the rest of the loan. Says this happens all the time. My husbands legal dept is getting involved and sending them a letter to stop harrassing not only my husband, but his supervisors at his place of business or they will take action since it is recorded for the past 4 years. I have found the only way to "deal" with them and their rudeness is to be just as aggressive and rude back and most times they hang up after you make a personal attack on them verbally. They cannot handle it and prey on the weak. I am still looking at what we can do since we cant afford an attorney to sue for harrassment. I have filed with my state attorney general in case others have too. The one thing I regret is the purchase of the vehicle. I see now that the finance guy was grabbing the first one and after learning about all the back door payouts that finance companies have with dealers, I am sure the finance guy got his commission. Karma goes around as they are no longer in business! http://www.ripoffreport.com/car-financing/-consumer-portfolio/-consumer-portfolio-services-fff63.htm and millions more out there, its not fair how we are treated, its one thing for american ppl to be late on a car payment, but to forcefully take the car, lie, harass them, hang up on us, threaten us, swear at us, I'm done and want to see some sort of resolution to this now..even if i am wrong that once mercury finance company in california, illinois, az, and flordia is now the financing company, and consumer portfolio, also mercury came back with another name called MFN, so will someone in this world help all the people in america as to why we have to go through this, with a auto loan company, one complaint i read the guy had to quit his job due to stress of being harrased, one lady was disabled and said she was waiting on her disibility check, and they said thats ok they will take that. they violate code, BREACH OF PEACE, BREACH OF CONTRACT, they over charge so much that the american people are not getting a second chance, they are being ripped off, by paying for a car loan for 10 years, my car is a 06 kia, my loan was $11, 000 really?? and 2 years later i still owe almost $9,000 it states its for low income, or bad credit, but when someone loses a job, and still has money coming in, they WONT REFINANCE AND LOWER PAYMENTS, they ARGUE on the phone, I had a screaming match with a "office manager" in the IL. office and she hung up on me. YES HUNG UP ON ME, then called me back on my cell phone for 2 hours, just kept calling, like she was stalking me. also they call your work and give out all ur personal info, and want to know why you havent paid, and where you are, and even will yell, or get smart with your manager, your family, THEY USE your social security to find info, I changed my address on their website and phone # because they were really stalking/harrasing me, and THEY FOUND IT..how???? please someone look at the stuff below, reserch it help me, to help other figure out how to stop them. we american people do not need this abuse from a AUTO LOAN COMPANY..I will rather ride my sons skateboard, but untill then, they need to be exploited. also I sent the president of the company a facebook letter, his response was "I STOPPED RESPONDING TO EMAILS LIKE THIS YEARS AGO". really???? please someone help Iif you look up "Mercury Finance Company", they were based in AZ, FL, VA, CA, AND IL and some the people who worked there, as Senior Managment and Board Members are now Senior Management and board memebers to Consumer Portfolio Services, inc. below is just one link i have and part of the artical of Mercury Finance Company http://www.corporationwiki.com/California/Irvine/mercury-finance-company-llc-3708865.aspx http://www.nytimes.com/1997/02/04/business/outsider-put-at-the-helm-of-mercury.html?pagewanted=all Published: February 4, 1997 CHICAGO, Feb. 3 The job of leading the Mercury Finance Company's struggle to avoid bankruptcy was handed over today to William A. Brandt Jr., an outside corporate turnaround specialist who was brought in last week after the auto loan company disclosed that its reported earnings had been improperly inflated for several years. Mercury also announced today that the Justice Department had served it with a warrant to search financial records at the company's headquarters in Lake Forest, Ill., for evidence of fraud and other illegal activities. This is a article I found on CNN money "Now the company faces a class-action federal racketeering lawsuit in Louisiana accusing mercury of overcharging customers for used cars and used car loans." http://money.cnn.com/1997/01/31/companies/mercury_pkg/index.htm these to sites are a lawsuit against Mercury Finance Company of IL. http://securities.stanford.edu/1000/mfn97/200154_r13n_973035.pdf http://securities.stanford.edu/1000/mfn97/http://www.corporationwiki.com/California/Irvine/mercury-finance-company-of-florida-4840528.aspx This is their company profile on thier website, as they advertize so much about stock, and how high their stock is, yet mercury finance was telling america they were a bigger company then they were, lyeing about who and what they were and shut down. Corporate Profile Consumer Portfolio Services is an independent specialty finance company that provides indirect automobile financing to individuals with past credit problems, low incomes or limited credit histories. We purchase retail installment sales contracts primarily from franchised automobile dealerships secured by late model used vehicles and, to a lesser extent, new vehicles. We fund these contract purchases on a long-term basis primarily through the securitization markets and service the contracts over their lives. Our headquarters are located in Irvine, California and we have three additional strategically located servicing branches in Virginia, Florida and Illinois.Since we began operations in 1991 and through June 30, 2008, we have purchased over $8.6 billion in contracts. We currently service a total managed portfolio of over $1.9 billion with approximately 160,000 customers and 875 employees. We maintain dealer relationships in 45 states across the United States. Our common stock is traded on the NASDAQ National Market System under the ticker CPSS. http://www.consumerportfolio.com Consumer Portfolio Services, LawSuits http://www.courts.state.pa.us/OpPosting/Superior/out/a10022_05.pdf http://securities.stanford.edu/1000/mfn97/ Consumer Portfolio (IL. office) 119 E Ogden Ave, Hinsdale, IL 60521 Consumer Portfolio (? collections) 2255 Enterprise Drive Westchester, IL 60154 Consumer Portfolio Services, Inc(irvine headquarters?) 19500 Jamboree Road Irvine, CA 92612 Ph: 949-753-6800 Consumer Portfolio (irvine) 16355 Laguna Canyon Road Irvine, CA 92618 Phone: (949) 753-6800 Fax: (949) 450-3951 Web Site: www.consumerportfolio.com