CPS Auto Finance Lies, Harrassed, called all parties on referrance list, lied more. Irvine, California

I have been with CPS for over 2 years now and they are indeed horrible. Its not bad enough that people with bad credit get socked with high interest rates on their loans but when they are only a FEW days late on their payments they are getting harassed by this company. For the employee that states they do things by the book, I dont know what book they are looking at but it certainly isnt the one with collection laws in it. I have had these people call me repeatedly argue with me, demand payment and all sorts of crazy things. They will call and ask what the condition of the car is in and how many miles it has on it. They use scare tactics to try and collect their money. I fully realize that the money is owed but life happens. They are not willing to work with you in any way shape or form. I live in Michigan and we all know that Michigans unemployment rate is the highest in this nation! Unfortunately I was one of the statistics and was laid off from my job. When you call them to let them know this information their attitude was basically they didnt care. Now that I am unemployed I have called them to change the due date on my payments until the end of the month and they refused. They call only after a couple days of being late, and when you do call them to notify them of being late they demand that you do a post dated check. I had one person in their so called "legal department" that argued with me so bad that I told her to come and get the car and I hung up on her. They are the worst company ever and I sure wish someone would get a class action lawsuit started against them because I have seen so many people that have gotten treated the same way!

i have never had anyone threaten to repossess anything after being only a month behind,even after calling them first and letting them know that i would be behindafter the death of my father!.even after telling them this-them agreeing to it only to have another dept call me in a very rude manor the next month threatening repposession-insult me and then hang up for no reason.very un proffesional..VERY!

This company is by far the WORST loan company that has ever existed. I had all my payments current AT ONE POINT and I had to miss a payment. I called them and ask to make payment arrangements and was told that they will not take partial payment, therefore I didn't pay them at all that month. The following month I made a payment then called and asked to make arrangements on the original late payment. The CSR said that I wasn't behind and refused to take my money or make arrangements! I then called and asked to change my car payment date (four years ago) and I had to pay $70 to do this. Now, all of a sudden they are calling saying that I am behind on my note that they never made any arrangement to change my due date! I have been paying on this loan for 4 years and no one ever called and said that my note was being paid on the wrong date. NOW I REFUSED TO PAY THEM ON THE 1ST (the date THEY say that I owe) and they took the money directly from my checking account. I put a stop on future unauthorized withdrawals and now they are calling me, my mother, and MY JOB. This morning one of them called my supervisor and told her to get off of her a*s and go get me. She logged 20 calls this morning. Our HR dept called them and asked to speak to her supervisor and was told too bad but, "give us her number and we will leave you alone". Finally my boss gave her the number to our legal dept and told her to call them in the future. We are going to call the phone company to block their number. I do not recommend doing business with these people. Yea, as a single mom I have bad credit. I was grateful for this car loan because it was helping me and my son...now I feel like I would have been better off walking to work. They can't manage their accounts and we are all suffering. I tried to make arrangements and they would not work with me. These guys are a joke. If they continue to call, I will contact an attorney. That would be money well spent.

Ok, so we had to evacuate from Hurricane Ike, we did not want to do this, we were going to use that money to pay on the car note, but no we had to get to safty. Does CPS care? No they don't, they just say how it isn't there problem...

Maybe it isn't, but it isn't mine either, all my other bills understand, and have pushed our bills back a month, why can't this one? Oh yeah, thats right they are Jack asses!

To the so called employees of CPS. Its obvious that you are trained to be insensitive, rude, and harrassing bullies! Im a 43 year old woman who currently has a auto loan with CPS and I have made car payments all my life! BUT NEVER HAVE I EVER had to deal with a shady company, who teaches its reps to use such scare tactics! People experience hard ship for crying out loud! All other banks or finance Co's are more than willing to help its customers while using the appropriate professionalisum. They are nice and dont try to make you feel like second class citisens just because you have bad credit! CPS should be more supportive and try to work with thier customers who are trying very hard to KEEP THIER CAR instead of scaring them away! I've read so many horrible complaints and have experienced the harassment, bullieing, rude, scare tacktics used by a rep, when i wasnt even 30days late for the first payment on my loan, BOY WERE THEY HORRIBLE!.. THREATENING TO TAKE THE CAR from my employer parking lot! UN F**KING BELIEVABLE! I love the car but i cannot enjoy it fully because I know that CPS is shady and will not stand by me if i need to be late on a payment! (Hardship) I've been discouraged, and refuse to talk to them because i know they will more than likely get my blood boiling! I just dont want to hear it! I dont answer thier calls and it get my payment in threw thier automated payment system! Yes my credit sukks because of a forclosure on my home. I am not on time with my payments but im not 30 days late. They let me skip one payment and changed my due date, but it still looks like im 2 months late on my statement! Uhh! I know that CPS is screwing up my credit report even more by reporting that I am 30 days late! Sub Prime loans do not equal SUB PRIME people! I am thankful to get the opportunity to have such a nice vehicle, and to be given another chance, but with such a shady company securing the loan im not happy! Hopefullly i will be able to buy another car and i will drive this property of CPS back to the dealership myself! Im just so sick of not knowing if they will end up reposessing it it anyway! 5yrs to deal wth them.. I DONT THINK SO! Boy did i make a mistake!

To the so called employees of CPS. Its obvious that you are trained to be insensitive, rude, and harrassing bullies! Im a 43 year old woman who currently has a auto loan with CPS and I have made car payments all my life! BUT NEVER HAVE I EVER had to deal with a shady company, who teaches its reps to use such scare tactics! People experience hard ship for crying out loud! All other banks or finance Co's are more than willing to help its customers while using the appropriate professionalisum. They are nice and dont try to make you feel like second class citisens just because you have bad credit! CPS should be more supportive and try to work with thier customers who are trying very hard to KEEP THIER CAR instead of scaring them away! I've read so many horrible complaints and have experienced the harassment, bullieing, rude, scare tacktics used by a rep, when i wasnt even 30days late for the first payment on my loan, BOY WERE THEY HORRIBLE!.. THREATENING TO TAKE THE CAR from my employer parking lot! UN F**KING BELIEVABLE! I love the car but i cannot enjoy it fully because I know that CPS is shady and will not stand by me if i need to be late on a payment! (Hardship) I've been discouraged, and refuse to talk to them because i know they will more than likely get my blood boiling! I just dont want to hear it! I dont answer thier calls and it get my payment in threw thier automated payment system! Yes my credit sukks because of a forclosure on my home. I am not on time with my payments but im not 30 days late. They let me skip one payment and changed my due date, but it still looks like im 2 months late on my statement! Uhh! I know that CPS is screwing up my credit report even more by reporting that I am 30 days late! Sub Prime loans do not equal SUB PRIME people! I am thankful to get the opportunity to have such a nice vehicle, and to be given another chance, but with such a shady company securing the loan im not happy! Hopefullly i will be able to buy another car and i will drive this property of CPS back to the dealership myself! Im just so sick of not knowing if they will end up reposessing it it anyway! 5yrs to deal wth them.. I DONT THINK SO! Boy did i make a mistake!

Well its nice that adults have to use the caps to Hollar on the internet, wow I'm scared, and shows whats really going on...

Anyways, I have proof that this company is harassing me, my family, and my friends, they have called my husbands Job in the last few time we were just a few days late. Yes you heard me right few DAYS, hell we just moved, of course things will be tight, but we moved to get closer to my husbands job, so we can afford our bills. A company to through "It's not my problem, pay your bills" in your face, is the most unprofessinal company I have ever delt with.

We are in contact with the Texas AG Office, and are working on this, When I have told them what this crap company has done, the lady just said "OMG" that told me right there, we aren't in the wrong here, yes we need to pay our bill, but why keep paying on a car, we will never be done paying on? We financed for 3 years, we been in this company for 4yrs, they keep adding interest to our bill, this is the first time in almost a year that we have been late again.

They called my husbands job YESTERDAY after he has told them to not bug him at work, and they told him they don't take partial payments, ok, well why the hell did they take it out of our account? Thats common since, if you don't take partial payments, you wouldn't have accepted the money, then they tell my husbands boss (We have it all written down by his boss) that they need to know where our car is, because they are coming to get it. (This is against the law, you can't share our business with everyone in there momma).

This past weekend, on Saturday, at 10am, my phone rang, it was my husbands friend, I answer the phone, and he sounds angry, I wake my husband up, and he tells my husband that this company called "CPS" called him looking for our car, and told him that they needed to know where our car is, because they need to come pick it up, we told him to get a recorder and if they call him again to record it, how the hell are these people getting all these numbers, unless they are tracking where we call them from? Stalking, another one... Well you don't call our friends, our jobs, and our family to tell them about our business, you wait until you can talk to us, if that isn't good enough for you, then you take it up with my lawyer cus this is BS!

What makes things even funnier, they don't even know what we drive LOL... They tell us one thing, but its not even what we drive, so nice try on repoing our car :) Have a nice day...

1: signed agreement and promise to pay ontime- please read contract.
2: if payments are received on time and in full, there is no adverse effects
3: buyer was behind in payments and broke agreement to pay

I HAVE WORKED FOR THIS COMPANY FOR SOME TIME NOW, AND WE DO EVERY THING BY THE BOOKS..FAR AS CONTACTING REF'S THAT IS TRUE BUT THIRD PARTY INFO IS NOT DISCLOSED PERIOD. IF YOU CUSTOMERS WOULD MAKE YOUR PAYMENTS ON TIME WE WOULDNT HAVE TO CALL YOU. AND YOU CUSTOMERS OR SHOULD I SAY DEBTORS GET MADE CAUSE YOUR INTEREST RATE IS SO HIGH BUT GET REAL YOU ALL HAVE VERY VERY BAD CREDIT. WE ARE A SUB PRIME LENDERS, SO YOU ARE LUCKY WE EVEN TOOK THE CHANCE TO GIVE YOU ALL A LOAN CAUSE A REAL BANK WOULDNT EVEN THINK TWICE. AND FOR THE RECORD YOU ALL SHOULD READ YOUR CONTRACT YOU ARE IN DEFAULT OF YOUR CONTRACT ONE DAY PAST DUE, YOU ONLY HAVE ONE DUE DATE, THE GRACE PERIOD IS A STATE LAW THAT WE HAVE TO GIVE YOU TO AVOID LATE FEES BUT KEEP IN MIND YOU WILL STILL GET DAILY INTEREST ADDED TO YOUR BAL EVERY DAY YOU PAY AFTER THE DUE DATE JUST LIKE AND SIMPLE INTEREST LOAN YOU WOULD HAVE. YOU GUYS JUST NEED TO ACT LIKE GROWN ADULTS AND PAY YOUR BILLS ON TIME PERIOD.