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Report: #389122

Complaint Review: Consumer Portfolio Services - Irvine California

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  • Reported By: Orange Park Florida
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  • Consumer Portfolio Services Irvine, California U.S.A.

Consumer Portfolio Services The worst people in the world Irvine California

*Consumer Comment: don't believe CPS

*Author of original report: CPS update

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My husband and I got a loan through CPS a little over a year ago. We made our payments but they were late a lot due to the pay schedule and when they wanted their payment. I tried numerous times to get them to change the due date so we wouldn't be late and they would not do it. Finally in the last few months I have been sick in and out of the hospital, lost my job and my grandmother. Needless to say we ended up a month behind. Now this company calls you from one day late until they either get your bank information or you make the payment. They are rude and nasty. They do not discuss anything with you rationally. They call you names and everything else. They call anybody that you have as a reference and devaulge all your information, which is against the privacy act. Well tonight we had Mrs. Johnson call us. I explain my situation to her and she say well lets make arrangements just make sure you keep them. No problem I say. I think everything is fine. Five minutes later the phone rings. It is CPS yet again. This time Mr Silver is on the line and he tells us that he is not accepting the arrangements we made. He said he is mrs johnsons supervisor and he is overiding everything. He wants the payment now or come Monday they are coming to get the car. I said fine come and get it because you cant have the payment because I don't have it right now. He begins to degrade my husband asking him what kind of Man he is that he doesn't keep his financial obligations and what not. I get back on the phone with him and explain yet again our situation and that we have no problem making a payment on the 28th but we can not do it any sooner. He says that is not acceptable and why is it that my husband got paid 4 times but the company did not. I explain to him that I have to choose between a roof over my kids head, food in their bellies, electricity to warm them and water to bathe them over the car. It is just the way things are right now. He proceeds to tell me that it is inconsiderate of us to use the car to make money and not send them money in return. I explain that when we have the money they will get it, but being rude and not working with us is not going to get the money any sooner. See we made the mistake of listening to their threats before and barrowed the money to make the payment. Now they think they can just threaten us. My husband finally says to the man where do you want me to take the car, the man then says to my husband if he takes it anywhere he will lose his liscence. What the heck? I have never heard of such BS. I finally ask him have you ever been in a finicial bind? He very rudly says I have a piece of wood in my office and everytime some one asks me that I knock on it when I tell them no. I said well good, you come get the car and I hope to God you lose your job tommorrow so you know what it is like mr perfect. I then hang up on him. Not even a minute later the phone rings. I says I am done talking and hang up again. Again the phone rings I say do not call again. Again the phone rings and I say this is harrassment and if need be I will get a lawyer the man then says to me oh you can afford a lawyer but you can't make your payment. I said ever heard of pro bono. He says God dont like ugly and you are an ugly person. Excuse me. Do not insult me as a person because your scare tactics don't work on me. I say I have another car through Summit Finicial a company that acutally cares about their customers. So now instead of makeing the payment on the car through CPS I will just double the payments on the other car. I am also going to write them a certified letter stating everyday the car sits in my drive way I am charging them a $25 dollar storage fee. Then I will enforce it. If you get a loan and the finance company is CPS run as quickly as you can. They are jerks no matter the situation.

Jerks
Orange Park, Florida
U.S.A.

This report was posted on Ripoff Report on 11/07/2008 10:37 PM and is a permanent record located here: https://www.ripoffreport.com/reports/consumer-portfolio-services/irvine-california/consumer-portfolio-services-the-worst-people-in-the-world-irvine-california-389122. 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. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

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#2 Consumer Comment

don't believe CPS

AUTHOR: Jlr - (U.S.A.)

POSTED: Wednesday, November 12, 2008

i just read your comment about CPS is ready to help you. i was never able to speak to a loan officer, because i do not work at a car dealership. no matter how nice the rep seems, they are just there to recover as much money as possible. by the time you check your payoff statement, you will find how much they are charging you in penalties at the back end of your contract. i had a credit union call for a payoff so i could sell my truck after being injured, but i owe @$7,000.00 more than the truck is worth. i was not offered gap insurance when i purchased the truck, and believed my down payment and the truck itself was enough collateral to cover my loan. good luck, but don't believe a word they are telling you.

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#1 Author of original report

CPS update

AUTHOR: Close call - (U.S.A.)

POSTED: Saturday, November 08, 2008

I spoke with a very nice lady today. They say they are going to work with us. I sure hope so. I explained to her how rude the man was last night and I told her that he upset me very much. I explained my situation yet again to her and she actually cared. Unlike the man last night. I have not recieved another phone call so my fingers are crossed. Wish us luck.

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