Consumer Portfolio Services review: Terrible service! 42

I got a loan from these people in July and have made all my payments on time. I called them today to ask about their increase on transaction fee for on-line payments and that I had thought going from $1.00 to $10.00 was a little ridiculous, so I asked for a address so I could instead mail the payment the one jerk I spoke to refused to give it to me and hung up on me, I called back and spoke to someone else this time a women she told me my payment would probably not get there in time if I mailed it (its the 13th payment not due until the 20th) there in phoenix and Im in new Mexico I should be fine, anyway she put me on hold and never came back than I heard a phone tone she had hung up on me too. I again called back and asked for a address from someone else who was again rude and not much help. I cant imagine how they treat people who are behind in payments. They are horrible in customer service. People should be aware of this auto loan company.

These people need a taste of their own brutal medicine!

On 11/13/07, I answered a telephone call at work from a man claiming to work at a towing company. This man was getting very rude with me telling me I owed some money for my vehicle and that I needed to get it paid! I tried to explain to the man that there was no way possible I owed any money, I had paid 2 months payment in a 1 month time frame. He rudely said, "Well I don't have it and "I'll just have a driver contact you in an hour", then he hung up on me!

On 11/14/07, I answered my cell phone to a man screaming at me! "Rebeka!" Where are you hiding that vehicle at! I know your hiding it! Where is it!? I want $500! I told him "WHAT are you talking about!?" He said "Don't make me get the authority's involved!" Then I said "I don't know what your talking about" and hung up the phone! Immediately the cell phone begins to ring again, private call, I answer... and there is this man again yelling at me, "Where's the vehicle at Rebeka!" I told him "I'm not Rebeka and quit calling my phone"! He said ok Rebeka, I'm sending the authority's over and hung up on me!

11/15/07, Call comes into work about 9:30 - 10:AM, It's the same man from the towing company! I answer the phone and he said "Rebeka, where do you work at so I can come pick up the vehicle". At this point and time I wanted them to take it, even if I knew for a fact that I WAS NOT BEHIND AND DID NOT DESERVE A REPO. This man hunted me down and harassed me to the point that I felt like if I walked out of my own home that "ROCKO WOULD BE WAITING OUTSIDE TO BREAK BOTH OF MY LEGS!" I felt terrified! He told me, "I'll be there in an hour"! I went out to the parking lot, cleaned out my vehicle and removed my plate. How embarrassed I was to have to do this in front of several of my employees (by the way I over see the daily operations of a large property management company and we do NOT TREAT OUR CUSTOMERS LIKE THIS)! A half our later, I receive a phone call from a CPS rep wanting to extend and offer to me! She said "If you pay $82.00 you'll be alright." I said "WHAT!" "You have some crazy man calling me, screaming at me, harassing me to the point I was afraid to stay in my own home"! Now your telling me I owe you is $82.00!" I paid the $82.00 so that this would just end! I can't believe I have to feel like I'm looking over my shoulder's in fear and thinking I just signed a loan with the frickin MOB!

This is the worst company I have dealt with! I can not believe I signed for a loan with them if I had known it was going to be like this I would have never done it. I have not been late on a payment but yet I am getting phone calls before my loan is even due and I am fed up with it. I have only had this loan 3 months but I will not spend the next 5 years like this. I have my vehicle financed through Professional and they have never treated me like this. If I can assist someone by warning them not to deal with this company then it is one person I feel Like I have saved.

This is the loan company from hell this is the end of the year and I know that I owe these people but truly sometimes persons have genuine hardships in my case I had my grandmother which I am the caregiver and my sister to die all within a week apart from each other last month in November and these jerks have harrassed me 15 times today on my cell phone and left me nasty messages saying that they hope that 2008 isn't like this and I will always have trouble because I don't pay my bills. I have tried to work with them and get an extension and they said that they don't give extensions. They told me that they were going to report the vehicle stolen in their legal department and I told them to go ahead because how can you report something stolen that is financed and my vehicle is in the driveway and I'm not trying to hide it at this point if they get it I am not going to worry becauase they have called and threatened me everyday that I have been late and they already know the problem like the person before me when I paid on time they called and said this is a curteous call to let you know your payment is coming up and I told them I don't need any reminders and not to call me but they have called me every since Oct 2006 and I am planning on paying them off in Feb 2008 if I still have the vehicle because I cannot deal with these people from hell calling me and my family in different states and telling them I'm behind in my payments and that it doesn't have to be 120 days late for repo and I need to call them immediately to stop it from going to the legal department. Please anyone reading this make sure family and friends don't get a loan with these rude, lying, obnoxious loan sharks. If I had known it was going to be like this, I would had gotten a hooptie until I could pay cash for a car.

i do not have a loan through this company, but my sister does. she lived with me for 5 months. these people called 3 to 4 times a day even when her bill was caught up. then she moved. i gave the company her new phone number more than 3x and they call my house 3 to 4 times daily and harass me. as i work night shift, i have a hard time getting back to sleep. i have told them many times that my sister moved. finally i got very angry with the company and told the CU#@ to quit calling my number and i hung up. she had nerve to call me back four times in a row and tell me then have my husband pay his bills! i am not even married. how dare she assume that this is my bill. they refuse to let me talk to a manager as i have no account with them. well i have turned them in to consumer affairs and plan on sueing them for harrassment. i beg every one else here to turn them in for harrassment and sue their pants off so they get their just rewards! harrassment is ILLEGAL.

They've been sued plenty of times. Check this...

http://yahoo.brand.edgar-online.com/EFX_dll/EDGARpro.dll?FetchFilingHTML1?SessionID=CTJrCmmKL9Ix6Pm&ID=4722808

Scroll down to page 13 and read it for yourself.

I got a loan from them on 12/29/07. I may have a way out though because of problems with the dealership.
I don't know if I'd rather get out of this deal now or wait until they try that BS with me and sue their corrupt little company. I'll have them on every news channel I can think of especially CNN, Dateline and whoever else will listen. Please get them!

Wow. Wow is all I can say at this point! So far CPS has harrassed, lied, breached confidentiality,hung up in my face,lied,... the list goes on. We have only had this auto loan since October 2007, and I already feel like I am suffocating! I wish we would have NEVER went through CPS for ANYTHING. They call harrassing me, telling me they are going to come get my car etc. Well news for CPS... You are NOT above the law, and EVERY CONSUMER IS LEGALLY REQUIRED TO RECEIVE DUE PROCESS regarding any and all financial responsibilities. DUE PROCESS meaning they DO NOT have the right to harrass you, or REPOSSESS your vehicle without completing the processes required. Our vehicle loan was not even 30 days past due yet- and they were calling me DEMANDING that i pay more than my scheduled payment or they will come get my car. Im about ready to tell those ### to come get the damn thing already. My husband and I are NOT perfect. We are your average middle class family with two children and a mortgage. We went through CPS because our credit was "less than perfect" and they have hurt our credit so much more. No one WANTS to have bad credit. Companies like CPS make building your credit impossible. As far as Im concerned, NO vehicle is worth what CPS has put us through.

This company is awful. My payment is due the 5th of the month. It is the 23rd. I told them exactly when I would be making the payment and yet they still call everyday! At least 3 times a day. When I ask why they call, I am told that unless I set up the payment with a post dated check, I will receive a call everyday until the payment is made. Never happened this way before. I asked when that changed and was told it hadn't. I then explained that I had spoken to someone yesterday and the day before, she tells me that is not noted on my account. So I said to please note the account that I would be making a payment by the 31st. She says "No, you agreed to the 25th" - GOTCHA! Do they actually think by calling me everyday, I will pay the payment sooner? I don't think so. How many people out there have the money to pay their bills and just don't do it? Is there anyone who likes to get harrassing calls? If I had the money, believe me they would be the first to get it. Even after that I get another call, private, I answer and all I hear is "Where is your vehicle stored?" I am not even 30 days past due. I had a screaming match with this lady, called the company back, received an even ruder (if possible) guy, who said I had to have the money in by 2pm. HELLO, am I the only one paying attention to the notes that HAVE TO BE on my file? Hung up with him, called the Customer Service department, not collections, and got the name and number for the VP (Sabrina Carroll-[protected]) of collections. She apologized profusely, and tried to tell me that they were not trained to handle customers in that fashion. If that was true, did they just have a run of bad luck with the people they hired. She told me she would take care of it and have a "talk" with the reps. How much you wanna bet I get a call tomorrow? There has only been one person that I have spoken too that has been remotely human, Spencer, bet he won't last long.

CPS has called my work telling them that it is a medical emergency from surgery to get me to talk to them on the phone. I have been dealing with this since October 2004. They are the rudest, SOB on earth. And if you ever get behind, there late charges are out of this world. The day the payment is due, they call me at least 5 times, my mother 2 times, my sister 3 times and my work 5 times. When I was late I have told them to come get the DA** thing because I was tired of dealing with them.

I have to agree 100%. This loan service is really bad.. If your payment is due on the 1st and it's not there on the 1st by 5pm they are starting to call you already. In one days time they call the house at 8:01am, 1:00, 5:00 & 8:59pm. My Work at 8:30, 10:00 & 4:15. My Cell at 8:05, 12:30 & 5:20. THAT'S 15 TIMES in ONE DAY. Then if I fall behind 15 days behind they start calling my work, on top of the 3 calls asking for me, asking what the physical address is, is there room for a tow truck to get in there, & is there a van in the parking lot.. They send faxes to my work on the PUBLIC fax machine for ALL to see.. and they start calling my referances.. Come on already I can see if I was over 60 days or something but lets get real..

I can talk to them on a Monday and set up a payment date for that coming up Friday and they will still call EVERYDAY that week.. So I just stop answering the phone to them.. What good does it do to talk to them just to tell them the same thing and lesson to rude voices and put me in a bad mood the rest of the day..

If you can get a different loan company to finance you DO SO...

THIS COMPANY HAS CALLED MY REALTOR AND LEFT A MESSAGES " THAT THERE COMING FOR THE CAR" I PAID MY CAR PAYMENT WHICH WAS 402.13 FOR THAT MONTH. I SENT THEM 403. THEY CALLED UP MY REALTOR AND TOLD HIM I STILL OWE 20 DOLLARS AND IF I DONT PAY THEM. THERE COMING FOR THE CAR. I HAVE NEVER PUT MY REALTOR NUMBER ON ANY APP OR EVEN GAVE THEM HIS NUMBER. WE SHOULD START A CLASS ACTION LAW SUITE AGAINIST THIS COMPANY.

knew this company was full of it as I got closer to paying my car loan off. The closer I got the more trouble they gave me for any reason. They continuously harrassed me, my family and friends. Their customer service representatives receive an F for their part in this business. Consumer Portfolio Services are is a company which operates off of consumer's feeling and emotions. They cannot talk to you without trying to get you upset and worried. If you do not argue back and forth with them they will actually get upset because they are mad and you are not.

They have deceived and lied to get money from me and I said before the closer I got the worser they get. They added another three months to my 48 month contract in order to more money. They then repo'd my car without notification that they were going to do so. I paid the balance they claimed I owed and guess what! No answer at all from them. My car is sitting in storage and they will return any of my calls. I have plans for them though. I cannot get my title or my car from the bleeding thieves. It takes a very special person to work as one of their customer service representatives because they have to be trained as if they are pitbulls going to fight in a pit. But this time they messed with the wrong target.

I have caught them in so many lies and excuses til' finally they started hanging up on me! Imagine that. Even the people at the repo company wants to now what the problem is because they are ready to give me my car! But they are anxious to see what happens because thay have never!never! never! witnessed CPS actually give a car back to the owner. When I called to find out where my paperwork was they claimed that I had never spoke with anyone about this situation at all. I smell a lawsuit cooking! I asked them if they ever had a chance to read the rip-off section on their company, they claim they don't know what it is. Yeah Right! I did remind them that God doesn't like ugly and what goes around comes around.

Tee
Memphis, Tennessee
U.S.A.

OMG! I really feel for you people. I have never answered a call from them and thank God I didn't or I'd have hung up on them after cussing them out. Yes they call me everyday at home and work at least once a week. I told my work to tell them I was fired because they wouldn't quit calling me. I have written correspondence to that one address one there, but that didn't do any good. I also told them if they didn't like the payment schedule I have to work with, then change my due date. They can come get the damn thing. I'll just get a clunker...

First of all I was overcharged for a 2007 Taurus that is really only worth $12,000. I can't believe CPS actually approved a loan for something that wasn't even worth that much. My payments are out of this world, more than my mortgage. A dealer I took it to said they screwed me and I should take the car back to them and tell them they did me wrong. Right! Then I would be getting calls everyday to pay the balance off... wish I never bought that car. But I've been looking for more complaints on CPS and thank god I found them. There has to be someone who can help us all with this company... Any legal weasels out there wanting to sue these creeps? I'm in! Any comments?

I WOULD LIKE FOR EVERYONE WHO HAS BEEN WRONGED BY
CONSUMER PORTFOLIO SERVICES,INC. TO TAKE THE TIME AND FILE A COMPLAINT WITH THE BBB AND STATE ATTORNEY'S OFFICE OF CALIFORNIA ONLINE.
THE ADDRESS AND PHONE NUMBER FOR YOUR COMPLAINT ARE AS FOLLOWS:

CONSUMER PORTFOLIO SERVICES,INC.
16355 Laguna Canyon Road
Irvine, California 92618

PHONE NUMBER : [protected]

CPS, is the most unprofessional specialty finance company I've every dealt with. I had no problems until they took over for a previous loan company, my car note was set up to come out in bi-weekly payments, CPS continued to call me every month day in and day our regarding my payment, I told them if they did not uphold the previous agreement with the previous finance company they should send me something in writing to amend the agreement they never did but the calls never stopped, they began to call me after I sent them a statement in writing, I had a part-time job as well which they began to call and harrass my manager they began cursing at her and harrassed her and myself so bad we had to call the Eastlake Police Department to file a complaint. I never missed a payment nor was I late, everyone that I spoke to there was rude and had no telephone etiquette. They repoed the car and sent a letter stating they sold it for $2800.00 now 3 years later they are asking for $4, 800.00 They took a car where the payments were never dilenquent. How's that?

This company is in business to call your place of employment to the point where it puts your job in jeopardy. My wife has a loan with them and they called her at work before her payment which was not late and to tell he it was coming up. Thanks for the heads up Seargent Brown. Luckily her company managers have no tolerance for harrassing calls and support her 100%. Mrs. Brown or probably Miss Brown should have a judgement against her from being 10 feet from a phone in general. They faxed her HR departmet for empoyee verification and left a message that she will be doing this regularly? What is that? Anyone who goes for a first time or poor credit loan should inquire that they don't use CPS. They thrteatened repo one week after the payment was due. Again. WHAT?

I have a car financed thru CPS and it is not 30 days late til the 12th of next month-my husband got a call yesterday at work from a "ms.harris" she said we had to pay that day by 4pm.when my husband told her that wasnt possible, she stated "where is the car located?" my husband told her that he didnt have to tell her & she said 'fine i am reporting the car stolen"-well i am a collector by profession-i called CPS talked to a supposed manager he stated all calls are recorded and he would take care of it-he also said they started the repo process on may 1st now granted the payment is not 30 days late-i have never seen or heard anybody like these people and they break the fair debt collection act every phone call.

I have called CPS for my husband regarding his payment and was meet with the rudest most unprofessional woman, which by the way was a recovery Manager. I did not appreciate the way she talked to me nor the way she inclined that my husband and I could not afford the vehicle and gave us a deadline of 2pm to pay the car note. I tried to explain to her that he doesn't get off till 2pm and would need a couple of hours to get the payment in. She responded with a long lecture and asked me how many miles my vehicle has on it, was an a**hole! They refuse to give me corporates number to report their rude behavior and she had the nerve to tell me that she would take action because I was harassing her because I asked for corporates number. If anyone goes to a dealership and is researching financing centers, please by pass the awful place. It not worth the headache and frustration! I will be reporting them to the better business bureau.

This company is the worst..everything that I have read we have gone through too! They will call whoever they can and harrass them, hang up on them, and threaten you when you are not even late. The faster you can get out from under this company, the better. If you can trade in the car for a different company, take the chance and Run! Do some research on the new company first..you could go from bad to worse..if that is even possible with this company..I can think of another company that is JUST like this..it's called Credit Acceptance..RUN...

I have had my car financed with this company for the past 5 years. They are the most unprofessional people I have ever spoken to. I deferred my car payment 2x in 5 years and because of hurricanes and being laid off. My last payment would have been due in 03/08 but then it increased to 05/08. I overnighted my paid in full cashiers check to them on FRiday and they received it monday. Some CS rep called me a week later and started harrassing me. I told him I already sent your company my payoff and he didn't believe me. I said I just got off the phone with your payoff dept in CA and they show received and he said well did you get a name and I said no and he said "dont you think that would have been a good idea" OMG I went off. I told him to contact that dept if you don't believe and if he calls my number again I will personally drive down to your call center and beat your f**king a$$. Please stay away from this company. They need to be shut down.

I currently have a loan with CPS I just can't wait to get rid of them. I was a little behind on my payment I sent a money order in and it just never arrived. They called at least a million times and I told them what I did. They told me that didn't matter that they didn't have payment sitting in their office. I told them to wait a few days to see if it shows up. They didn't want to hear that I finally hit my last nerve when I talked to someone from the Irvine Ca branch who told me he was sick of calling me and chasing me around that if i didn't pay HIM not just anyone he would have my car taken he knows I am at home and my car is outside. I told him that its in my garage. He told me that they will break in and get it. I told him in Penna its illegal to break and enter any building to repossess. This really P***ed him off. He told me that he wanted 6 postdated checks or he was taking my car. I told him that I had a family member that was gonna pay the note till I got situated so that I can get back on track he told me he wanted their checking account # so that he can postdate checks from their account. I told him I do not have the right to relinquish that information He then told me that I had to or I won't have a car tomorrow morning. I told him if he just wanted it that bad take it. you will receive payment tomorrow morning. The next morning he called a family friend and asked where I was at and if I was gonna make payment or was he gonna take my car. *This was a clear violation of the Privacy Act* that they sent me. I called in to another call center and they told me that CPS reserves the right to repossess a car at any time for any reason whether you are in default or not. So they are pretty much telling me that when my car is worth more than I owe they can just take it so they can make more money off of it. Go figure huh? Anyways I am hoping to reach into the mailbox one day and see a Civil class action suit against the company I am so IN. these guys are the worst of the worst, I field complaints with the BBB and I am not the only one there is over 300 complaints with the BBB with this company. Most of them they never responded to and the BBB gives them a F in company rating. based on a scale of AA being the best F being the worst.

STAY AWAY FROM THESE ###! If you get offered financing through them at the dealership just get up and walk away.
tell the salesperson to find another company or no deal...

I hate this Company! Iam going to contact CNN, 60 Mins, and Date line people need to know how the Company work people! Iam in the same boat! Iam sick of it PHONE CALLS ANT WORK, HOME all hours of the day! This company need to go down. They cant treat people like this!

Ok to make a really long three years short...I have had all of these experiences myself with this company. They have called neighbors...people who don't even know me and divulged info about me and my account with them. That has got to be illegal im sure. I am at my wits end but like many people don't know what to do about it. I am on the verge of telling them to just come get it. I am here for HELP! What can I do? Where do I go with this? Im sure somebody has dealt with this. Please let me in on what I can do as I am in dire need of some assistance with these people. E-mail me any info...thanks!

OMG! I am sitting here reading these comments and know exactly what everyone is going through. This company is by far the WORST, DEGRADING, INCONSIDERATE, AND APALLING people I have ever met.

We have had our vehicle financed through them for about 2 years now. At the time we had just came out of bankruptcy and didnt think we would qualify for a loan. To our amazement we did. We were estatic. Little did we know what it would be like.

I have had them call my empoloyer, references, and even my NEXT door neighbor. (all withing the same day) These people do not stop until they get what they want and they will go to what ever measure that is.

If I would have known then what I know now: NO WAY IN HELL would I ever go with or especially reccomend this company. These people are mean and nasty, and they don't care how they treat a person. I don't know how they go home at night time thinking they did a wonderful job. I have people I don't care for in this world, but I would never treat them the way they treated me.

This company needs more then an enema. I will never, ever in my lifetime reccomend this company to anyone. (Even if they change their ways, which I seriously doubt. )

This was the WORST FINANCE COMPANY I have ever experienced in my life. I purchased a car with a very HIGH interest rate due to my situation. I recently cleaned up my credit however, with these people if you are 1 day late THEY CALL YOU HARRASSING YOU FOR THE PAYMENT. Due to the high gas prices, I decided to try and trade the car in due to it being a gas guzzler. When I went to Car Max to trade it in, they told me it was in an accident and had previous FRAME DAMAGE. Mind you this is a car that I purchase without knowing this and is currently making payments on. So after that I had no desire to even keep the car. The salesman begin to tell me that I had agreed to a BAD deal and that I need to get out of the vehicle because it was depreciating vey fast! So I went to a dealer and purchase another vehicle and call CPS. Told them to come a get there car and that I was voluntary giving it back to them. Every since then they have been calling my JOB every second. Asking for people in my department trying to get me on the phone. One day they called my grandmother saying they were some investigators from CPS. Other times they contacted family members asking questions about me. FIRST, THEY HARRASED ME ABOUT BEING 1 DAY LATE ON THE PAYMENT. NOW THAT I TELL THEM TO COME AND GET THE CAR, THEY STILL HARRASS ME. I will never get on the phone and talk to them. These people don't know how to conduct business.

i strongly agree this loan experience has been the worst! i had surgery in july and they repoed my car knowing that i have disability coverage. now that the disability payments have started to come in no one wants to answer the phone! imagine that i have money for them and noone wants it!

If anyone gets a voice mail on their machine that is highly rude and illegal - there is hope. I contacted [protected] (Weisberg and Associates). They are representing me versus CPS. I received several voice mails that were threatening and just plain out over the line. My attorneys said they have sued CPS several times now for these same issues.

If its an auto loan, like mine, because they are an "original" creditor they have a little more leeway than "debt collectors" and can make more calls, etc HOWEVER we as the consumers have rights.

CPS has to pay the attorneys fees, I do not.

Not only will CPS settle the case to avoid higher attorney fees, the plaintiff also receives monies if it is a successful case.

I forgot the link to the attorney...

http://www.fairdebtfaircredit.com/index.asp

Up until this year, I had never had any complaint against this company; however, it seems like they had gotten rid of the professional and courteous people and brought in a bunch of the worst and crude and unprofessional personnel I have ever had to deal with. While in the hospital they had the nerve to ask me when was I going to make my payment? Mine you I was in the hospital, had IVs in me, taking all sorts of tests and taking medication to get my blood pressure under control and these fools called me on my cell phone at the hospital! My daughter told them to leave me alone and that I would get in touch with them when I was home. Didn't do any good; they kept calling on my cell (I had it on silence) and they had put in dozens of calls on it. Most recently they have called me at the job and my supervisor told the representative that if the call wasn't regarding company business, then the personal call need to be dealt with at home and not on company time. The representative told her that it was company business, and she told him it was not "our" company business and politely told him to either stop calling or get hit with a suit. It didn't matter to him because he claimed that I was late paying on my car note. Now this car is an '03 focus that I bought used in '05. The montly payment is $327. and my payments are due the 24th of each month. However, they are telling me that they changed it to the 1st of the month and I'm now 45 days behind. My credit counselor has contacted them and told them they would now deal with him and if they kept harassing me at home and work that he had no choice but to file a complaint against them through the Federal Trade Commission and our local state Attorney General's office. These people are off the hook! They have called me at all hours. Well I have their number block in my cell and home phone and my daughters have done the same. So now they will have to deal with my credit counselor. I recommend that if you need a car and have risky credit, go to a buy here, pay here lot where you pay on your car bi-weekly at payments you can afford and basically they are payday payments. You can even get them deducted from your paycheck directly. Oh lastly, CPS told me that they would make sure that my credit would be messed up. I told them that why should I worry about that when it's going to take me and others like me to bail the rich boys out of the mess. I then told him to have a nice day. Oh yeah, they will always tell you that they're coming to get the car, but if I don't have it, I don't pay for it.

cps buys loan with bad credit. You are lucky that any one financed you on your crapy credit. By the way you pay your bills no one will ever finance you again. You had bad credit before you got that truck. And it seams you still dont pay your bills. People like you, make bad market.*** stop using the gov. for money and get a job you can do. as well for your lazzy wife

i had my name slandered by consumer profolio service also.they have told staffing i owe money on my truck. i have been on medical leave a couple of times since i have had the truck.what should i do. thanks...

I have had the calls & threats from cps. I feel they have charged all kinds of fees undue. I have had the vehicle over a year and still owe them as much as day one. them and Sears are two peas in a pot. I want to know how we all can get together and sue them for all the harassment and thief. They need to
go down for the sake of all those yet to be taken by them.

I too agree with everyone about CPS. I am now unemployed. They call my home threatning me.They tell me if I dont pay my car note they will call the police and report the car stolen. They call my home and relatives trying to get info on me. I told them once that they can come and pick the vehicle up because I cant pay for it;but they never came. I just stop answering their calls when they call. I let my answering machine pick it up for me. I save the messages on my machine to show proof that they constantly call my home. Enventually I will have enough saved messages to sue them for the harassing calls.

I know everyone's pain dealing with these ###s and ### called CPS. I financed a 2005 Hyundai Elantra through them not knowing what I was in store for. It's been absolute HELL with these people and yes they are VERY RUDE! My advice to everyone is to try and get a copy of your contract and get on board with someone else! CPS is a company who finance people with not the greatest credit(No offense to anyone) for an outrageous interest/payment amount and then screw you over to make your credit even worse and call with threats to garnish wages, and repo your vehicle.

I had a rep from there office call my fathers house and tell them i was 2 months behind and i was driving around in a 25 thousand doller car for free i was 2 weeks behind and when i called to complain what he did iwas told do you have this on recording ! Go figure From the sounds of all the complaints here they do this all the time who needs a recording?

if not for CPS none of you would not be driving your car.

Thank God I thought I was the only one!These people are the rudest people I have ever talk to on the phone. It is unbelievable the way they talk to customers it's almost like a crank call.I was late and this idiot Erica called my while I was on summer vacation and told me I needed to get in my car drive it home and leave it in the driveway for it to be picked up, I laughed at her and said thats not going to happen and you can Ki$$ my A$$ and even though I 'm late on my payment I probably make more money then you!They really act like it's costing them as employees maybe they get commission or something cause they are really but hurt about a car payment being late!

Again people, google Weisberg and Associates. They sue CPS all the time. We won our case. Not only did I win my case, but they dropped the $3500 I had left on my car and paid $2500 extra. After the attorney's fees, I pocketed $500.

Just because we have sub par credit does NOT mean you have to live being threatened by these people. They work for US. Without our bad credit, they wouldn't have jobs because there would be no 3rd part financing company. They dont have enough class to work for the good banks. That's why they settle for companies like CPS.

If you get told they are coming to pick your vehicle up and to leave it in the driveway..
if you get told that you are abandoning your responsibilities..
If you get calls on a daily basis harrassing you...

Call these attorneys. They will win and CPS will settle before going to court. You don't have to have recorded phone calls, but they do help should they need them. I never had to send in mine, but I still have them just in case.

I am so in if there is a class action suit - I cant take these people anymore. In one months time my payoff as gone up 1500.00 WHY ! I have been cussed at called names - told i was ### and Im drawing the line because they called my mother. My mother answered and told her that they need to speak with us but never said there names - my mom knew right away who it was told her that i didnt live there anymore to call my house number and to stop calling her and she hung up - Ms. Freeman decided to take it upon herself to harrase a 67 year old lady WELL WELL WELL - that was it she had the balls of steal to call my mother back cuss at her then hung up on her HOW PROFFESIONAL is that PLEASE. My dog has more manners. I have filed a complaint with FTC ... Im done with this company I so want them out of business- We should have our car paid off but seems we cant because they add charges for parting my hair in the wrong direction, oh wait maybe my socks dont match my shirt OO THATS ANOTHER 200.00 TO THERE LOAN i will find a class action lawsuit even if i have to throw my name out there a million times ...they need to pay for how they treat people and closing that company will stop them from doing it to others.. they wouldnt last a day where i work - if they talked like that on the phone they would be personally escorted out by the president - if you go to a dealer and they say CPS or CONSUMER PORTFOLIO run run as fast as you can and dont look back - save yourself.

My goodness! These people must be trianed by the same person! They called a freind of mine, who I was housesitting for, pretending to be a government agency. The caller said I had applied for assistance and used her as a reference. She knew that was not true, but called me anyway and gave me the number on the caller ID. It was Consumer Portfolio Services. I contacted legal services and I am waiting for an attorney to call me back. I also am going to research how to get a class action lawsuit filed. I found a website that explains how the process should be handled. It is

http://www.ehow.com/how_4598936_file-class-actionsuit.htmlref=fuel&utm_source=yahoo&utm_medium=ssp&utm_campaign=yssp_art

another one is:

http://www.chiff.com/legal/class-action-lawsuits.htm. We have to do something to have these people be accountable for their actions.