- Report: #912217
Report - Rebuttal - Arbitrate
Complaint Review: Consumer Portfolio Services
Consumer Portfolio Services19500Jamboree Rd. Irvine, California United States of America
Consumer Portfolio Services Keith Smith - recovery agent at CPS I missed the phone ringing from their harassment which started a week before my first payment was due and continued to their premature repoing of my car Irvine, California
*Consumer Comment: For Jim
*Consumer Comment: Well said!
*Consumer Comment: What you are failing to connect here.....
*Consumer Comment: What You Want Is...
*Consumer Comment: Indeed
*Author of original report: However....
*Consumer Comment: But--
*Consumer Comment: What You're Saying Is...
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My first two years with cps were fine- I made timely payments and was left alone. My third year into the 6-year loan I had financial problems and fell a month behind . They called my home at least 3 times a day, my work - even after I told them not to in writing and received a letter back from them that they would honor my request. Also, a tenant in my apartment building who I didn't know at all knocked on my door , introduced herself and told me CPS had called her on her brand new pay-as-you - go phone! She said she had just bought the phone the night before and CPS called her about me!!!
Wow. THAT is Enron-ic!
My third and final year w/ cps I was making payments monthly but could not get caught up with them. I was either 1 or 2 payments behind probably 8 months out of the year, but did always come through. The agent assigned to my case's name was Keith Smith. He was courteous with me but a real psycho when he called my work ( which he did DAILY) to my boss and several co-workers. My last month with them I was two months behind and knew I couldn't make the payment until my next pay period on a friday,March 29. I had told this to Smith but he continued calling me at work and at home with his usual routine. I decided I had told him when I would be making the payment and had nothing new to add to it so I would not waste our time by calling the pesky little man back. When Friday the 29th came I had the month's payment in my hand, on my way to send it western union. when a tow truck pulled up and repoed my car. The company's policy is to allow 3 months payments in default before repoing . I was only two , and it was still March 29th. Since it was the weekend and Smith would be off untill Monday, April 1st.,he decided to get his work done before the weekend.
This report was posted on Ripoff Report on 07/14/2012 09:47 PM and is a permanent record located here: http://www.ripoffreport.com/r/Consumer-Portfolio-Services/Irvine-California-92618/Consumer-Portfolio-Services-Keith-Smith-recovery-agent-at-CPS-I-missed-the-phone-ringing-912217. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.
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