Consumer portfolio Services I have had my auto loan with cps, i have paid monthly as required. Now that my contract date is up i have found that there is now an extra 1100$ in interest. I have spoken with them on multiple occasi Irvine, California

bob of irvine give it a break

If you pay your loan per the terms it is impossible to have additional Interest.

Most likely your "bi-weekly" payments did not match up with the payment due date.  If you make payments on the 1st and 15th, but your due date is on the 10th.  You are then constantly late because your FULL payment was not received by the 10th, but 5 days later.  As a result you are charged additional interest and/or fees on that amount of your required payment that was not received.

While $1,100 seems high, because you have a High-Interest loan depending on how long you did this for it is possible that the delinquent amount could have reached $1,100.    Unfortunately, the only thing you are going to be able to do now, is get a history of all of your payments from them and verify that with what you think you paid using your proof of payments.   Then go after them for any discrepancy.    You will also have to see if there are any additional fees for splitting your payment that may have been added in.