Repossession and wage garnishment threats at work: So, I'm 3 weeks late on a car payment. I called and talked to a supervisor and advised when the payment will be made, which would have been 24 days from my due date. This, I guess, made things worse. The phone calls, harassment, and phone calls to HR at my job are hurting my reputation at work. I looked over my contract, and nowhere does it state repossession after 3 weeks of late payment. I've read everybody's review on this company, and I'm wondering if anybody is doing anything about it. So I need a lawyer, because this is affecting people's lives.
Consumer Complaints & Reviews
I was laid off and struggled to keep up with my payments. Although, I maintained communication with this company, they constantly harassed me stating I was trying to drive for free, calling almost daily. One day they called for over and over consecutive calls number blocked/unblocked/blocked/unblocked. I was on payment 44 of 60 and certainly paid more then original sticker. Unwilling to work with me to keep, they took vehicle back, sold it for half of its value and now are trying to pursue me for the deficiency. They could have received the entire balance.
They repossessed my car from a building on my property. They will not answer the phone, so I could get my car back.
My car was repossessed in early June 2011. This company has violated my rights as they did not allow me to retrieve my personal belongs from my vehicle. I contacted them on several occasions to make this happen, but they did respond to my calls. Then approximately 2 months later I received a notice that they had sold my car. Now they are trying to collect on this debt and I am receiving harassing phone calls, when prior to this time they wouldn't call me back to allow me to get my belongs. Now they are calling me for the balance owed.
I requested a copy of the agreement that I've made with them, that I will pay a certain amount on my car loan. I do not recall a specific date in which I should make the payment. They are always threatening to take the car and repossess it. I just want them to adhere to my request. That's all, before I make my payment and make sure of what I agreed to.
I am voluntarily letting my car go back. I have to move back in with my mom to try to keep her house. With my boyfriend passing away last year and my dad passing away this year, we had hit hard times. My dad cashed in his life insurance years ago, which made paying for his funeral near impossible. My mom's money has been depleted, except for $643.00 a month! Who can live on that? I have done the only thing I could do. It is to move back home and help out! Even with my income, it only goes so far! We are trying our best to keep a roof over our heads.
As a result, I told CPS Inc. that I was letting my car go back. I'd rather volunteer letting the car go back, instead of them just taking it one day! They have been calling me a lot. First, they said they were not going to get the car. Then, they said that they were! Okay, fine! I quit taking the calls. Then, they started calling me at work and harassing me at work. They were calling all the time! I have to leave the work floor to take the call! As far as I know, they are still calling. They even asked the office lady if my work has a surveillance camera system!
I have not driven the car since the decision was made to let the car go back! Why drive something that is not going to be mine? It's wrong! I have made 62 payments. I had every intention to pay it in full. What can you live in, a car or a house? For me, the decision is a no-brainer. What they are doing is harassment! I heard that they can't do it at the work place. It's illegal. However, they are! I can't lose my job because of this. With them, we would lose everything that we are trying to keep! I need the calls at work to stop! I shouldn't have to dread going to work for fear of the calls! Both my mom and I are stressed out as it is. And mom's health is not the greatest! I never imagined that we would be in this situation. But here we are! I want to thank you for your time!
Hello My name is Divinity ** (Mershon ** Jr) the account is in my husbands name. We leased a vehicle through carvison as cps as a loan company we got a 2003 dodge durago I traded in my land rover for the dodge. we only got a $9,000 loan with a fixed rate at 19% back in 2007 5 year contract we are making $250.00 a month payments. this is are last year and they are saying we still owe $5,504.69 dollars on the out of the money. we pay they are only applying $24.00 dollars month out of $250.00 toward the truck.
the rest is interest. when we were told in the beginning that $50.00 out of the $250.00 was interest and the $200.00 was toward the truck when we called then 3 years back and spoke to them about it. when we finally got access to there web sight they said because of the rescission no one has a fixed rate any more. then they have also called my husbands job several times telling his employees he is late on his truck payment and telling his employees his financial history of the truck more then once. also soon after we bought the truck there we some problems with the truck are cylinders and pistons are broke and still there is a a lot more please feel free to call.
I authorized a car payment to come out of my checking account on Jan 6 2011, because that's my pay day, but they took the payment on Jan 3, which overdrew my account, including unnecessary fees which accumulated to an amount overdrawn more than what I even get paid. I live on a very tight budget, and only get paid twice a month. Now I can't make my payments because of the unnecessary fees that have accumulated. They are going to repossess my car and keep calling and harassing me. I don't get paid much and I try to do right. These people have made me a nervous wreck, and I don't want to lose my car when I only have 6 months left to pay on it.
I contacted several representatives with CPS on March 3, 2010 to pay off my loan. I verified with representatives before I sent the total amount for the payoff, and was told that I should receive my title in 30 days. I waited, then I called back to see what was the hold up. I then was informed that I was to talk with "Evan". He then told me I should receive my title in 2 weeks. I called back in 2 weeks. I then looked at my account and noticed that they were charging an extra $212.82 for something that I was not aware of.
I then talked with Evan and stated that the charge was for a repossession charge. My car was never repossessed and they cannot charge me that. I was told by a supervisor, "Angela", that if don't pay the repossession fee, I will not receive my title. I need date and time of the repossession. I have the car and it is paid in full minus the charge of a bogus charge. I was so tired of them harassing me that's why I paid my loan off early. I need help. I can't seem to get anywhere with talking to them. I was told by Evan that I was right and he would have a manager call me. That didn't happen.
I had so many problems with CPS in the past and have complained to the BBB with fair results. The problem I'm having now is trying to pay my car off early. I don't feel comfortable paying the extra because I really can't figure what part of my payment is going toward the principal and what part is going toward the interest. I asked for a copy of my initial contract with CPS. I called and spoke with Summer on January 22nd 2010, then again on January 28th 2010, and again on February 5th 2010 and today, February 10th 2010.
I owe $3,748 but need to see a copy of my contract to get someone help me figure out if I am paying more than what needs to be paid towards the interest. I called Kevin on January 28th and requested a copy of my contract. All I want is for them to send the contract so that I can see what interest I have paid toward my car! I don't feel comfortable sending the extra monies toward my car but I still want to get it paid off as soon as possible. Please help me.
I just want to be treated fair and I feel that something is not right if they can't seem to send a copy of my initial contract. I am almost 60 years old and I am not in the best of health and I am just trying to pay off my bills.
They wont let me defer payments to get back on my feet. They leave me messages to call them and they can work with me. When I call they make threats that if I don't pay by a day they want me to pay knowing it's impossible that they are taking my car. They call me 4 or 5 times a day if not more every day making the same threats. I have told them I am starting a new job and need time to get my 1st check but they just continue to stress me out and harass me and make threats. They offered to change my payment date to supposedly help me then called back and said they couldn't do it but went ahead and did it anyway making me look like I was farther behind then I really was. I would like to be able to defer a couple payment to be given the chance to get back on my feet because of loosing my job with today's economy. I need my car for work. I will have to pay the deferments at the end of the loan anyway so I really don't see what the problem is with doing so. Other companies allow people that are having a hardship to do deferments why won't they?
I received a note in the mail from my credit union stating that payment to Consumer Portfolio (CPS) was denied. I contacted CPS on Thursday, Sept. 24 and spoke with Grace. Grace asked me to contact my credit union to find out why the payment was rejected and to go online to make a payment. If the money is there. I said yes it is. I went to CPS online to make payment. The payment was rejected for that account. I called back to credit union and discovered that I have a $200 limit. Payment amt $506.67.
So I schedule the payment through credit union payment line. CPS will receive payment on Sept. 30th. I contacted CPS to inform them. I spoke with a person that transferred call to Shaleta. I attempted to explain to Shaleta what I had done. She started yelling that was not good enough. 30th is to late. You need to pay your bills. Where is the car? You can bet when I hang up from you I am going to put paperwork in to garnish your wages.
I said honey. Don't call me honey my name is Shaleta? I said what is the problem you will receive pay on 30th and I will schedule the other two as agreed. She started yelling again. Pay your bills. I am going to garnish your wages. I said oh well and hung up. I called back to get the spelling of her name. She said why you calling me? If you don't have my money. I said I have scheduled the payment and you will receive it on the Sept. 30th. What the problem. You need to pay your bill and I will be garnishing your wages and hung up.
I should not have to be treated or accept harrassment from CPS. I paid off one car through them and working on second car. This is the first time I have encountered such unacceptable behavior.
10/07 a auto loan was taken out with cps 12/07 due to several harassing call to family an friends,before the payment is due i ceased all communication with the company via mail, except in writing. 12/09/08 unknown male {idself as tim}contacted my mother {terri}
advised her my truck note was behind 3 months at lease 1x payment $494 must be made that day to stop repossesion on my vehical, a pass due amount was given of 1800 at this time tim, advised my mother he was willin to workout a payment arangement.tim,was advised she will talk with me, 12/10/09 tim call my mother back to follow up on a payment arangement tim, was advised this was a unexcepted bill she has not talk with me yet about this situation an there was nothing she can do to help, she had no knownledge i was having financial problem an not to call back. tim, got upset an advised my mother the vehical will be picked up that day ,my mother called me in tears this day,about my financial problems the company continue to leave serveral messages on my mother voice mail everyday,{continue to let the phone ring to annoy} 12/11/08 tim,contacted steve young" my uncle an there was also a third party disclosure about contacting me about my pass due truck note.tim,at this time ask steve, if there was anything he could do to help me catch my pass due truck note up, he was advised there was nothing he can do to help he wasnt responsible an he gave me all the messages an there was nothing else he could do a request was made to stop calls an leaving message on his cellphone everyday ,steve young continue to recieve 12/18/08* 12/24/08*12/29/08 *1/5/09*1/9/09*1/12/09*1/13/09 until 1/13/09 a final writen notice was sent to cps to cease all communication with family,friends,an any none responsible partys.to communicate by mail only the calls final ceased. until 7/25/09 steve young advised me at a family reunion cps contacted 6/18/09 lm on his voice mail.
advised her my truck note was behind 3 months at lease 1x payment $494 must be made that day to stop repossesion on my vehical, a pass due amount was given of 1800 at this time tim, advised my mother he was willin to workout a payment arangement.tim,was advised she will talk with me, 12/10/09 tim call my mother back to follow up on a payment arangement tim, was advised this was a unexcepted bill she has not talk with me yet about this situation an there was nothing she can do to help, she had no knownledge i was having financial problem an not to call back. tim, got upset an advised my mother the vehical will be picked up that day ,my mother called me in tears this day,about my financial problems the company continue to leave serveral messages on my mother voice mail everyday,{continue to let the phone ring to annoy} 12/11/08 tim,contacted steve young" my uncle an there was also a third party disclosure about contacting me about my pass due truck note.tim,at this time ask steve, if there was anything he could do to help me catch my pass due truck note up, he was advised there was nothing he can do to help he wasnt responsible an he gave me all the messages an there was nothing else he could do a request was made to stop calls an leaving message on his cellphone everyday ,steve young continue to recieve 12/18/08* 12/24/08*12/29/08 *1/5/09*1/9/09*1/12/09*1/13/09 until 1/13/09 a final writen notice was sent to cps to cease all communication with family,friends,an any none responsible partys.to communicate by mail only the calls final ceased. until 7/25/09 steve young advised me at a family reunion cps contacted 6/18/09 lm on his voice mail.
8/14/09 cps got my 11 year old cousin cellphone number an sent her a text message requesting her to have me call loss pervention office. which this accured her a text message fee due to the fact this is not on her parents monthly plan.this company has been notified in writing to cease all communication 2x 12/07*1/13/09 due to harrassing calls,third party disclosure the calls continue to relative after there was a oral request to cease.my relative wants the texting an phone calls to cease.now as of 7/2/09 the company is refusing to except a payment until there is phone number on file,so i had to make a payment via internet.i advised sue, at this time i dont have a valid home contact number,the only contact was in writing only.
This is a car loan I have with this horrible company and I have been going through hell with them, they are a very unprofessional bussiness and they have absolutely no good quialities when it comes to good values and good skills as far as dealing with people on matters at hand, their customer services is horrible at best. They have gone as far as threatening my co-workers, my friends and my family, where does as business of this magnitude get off doing all of this its against the law as far as I know to harass and threaten people over car loans or anything for that matter as I know this because I do work in a business where customer service is our main goal and that should be in any business,,,
I would like to know why this company hasn't been shut down and out of business once and for all? I have read many customers complaints and they are all very simualar to mine...whats it going to take for these people in this company to stop for good? The requirments to be hired must be just how mean and ignorant can you be...its no wonder we as their customers don't really want to deal with them at all...they really and truely need to be stopped for good and I think that it should be now that this happens...I do have people in the law field that say the exact thing as I am telling you that this company is way out of line as to how they handle their business and the people the deal with as far as customers...Can there be anything we can do to stop them in their tracks once and for all? Please if you think that there is contact me as soon as you can find a way to help me and the other customers that are at the horrible mercy of this hanis horrible company..I have also taken the liberty to keep the messages they leave for me on my cell, as I am collected as many as my cell will allow.
I believe predatory practice is used with this company. My Ex-husband had a used vehicle thru them, paid for a year or so, it got repo'ed and they sold it at auction for $7500.00 and now i am being granished for $18,0000.00 on a vehicle not worth half that amount. In this economic climate I think a more equitable and reasonable resolution should have been initiated. The vehicle blue books at 12,000.00 and they have been paid mmore than that and now want $18,000.00 more in which I have to spend more money to dispute and is a ridiculous amount.
The wage garnishment of 25% of my pay is financially debillitating. I make $30,000.00 and raising two teenage boys and have no disposable income to afford this. I am also having to spend several more thousand in attorneys and court costs to dispute and meanwhile they have not charged my ex-husband at all because he is not employed even though he is also on the loan.
I was late on my car payment and I know it. The person that handle my call loan has been harasing me. In steady of him calling me and leaving me message. He would call and hange up and then turn around and call me mother. He call no one else on the contact list but her and then he lied and told my mom that he had a stolen car report out on the car. This is not the first time he has lied and said that they where comming for the car. When I talk to this person on 11-20-08 he called me a lier and would not give me his name.
I financed a car with this company. I was in the hospital. I called the company to let them no I will pay in 2 days from my due date. they called my house, my job even call friend telling her all my personal info 5 different times. they also been charging me 6.00 a day until my autoloan is paid off. I had no knowledge of this fee
Ruined my reputation and I got so upset the way this lady talked to me calling me a liar. they gonna call the police and put me in jail becaused I hadn't paid yet
We have been contacted several times by the company regarding delinquent payments on an auto loan. After the company has been contacted by us and told that we can no longer make the payments due to financial strain and that we will voluntarily turn in the vehicle, we have been nothing short of been harrassed regarding this matter.
The company seems to send our account to several different people because we can never get the same person twice. One person is very nice and informative of our options, the next person is very nasty and condescending. After our telling them to pick the vehicle up for about 2 months now, they still refuse saying that they will not accept a voluntary repossession and that if they do take the vehicle back that they would garnish our wages for whatever the differnce is in the amount from an auction sale. We have had to change our phone number after receiving up to 4 to 6 phone calls a day, some very nasty. I had someone call my place of employment today, only to be asked if I was stupid. Is this the kind of thing that I really have to put up with?
26 days late on my March 13, 2008 payment & attempted to call to make payment April 11, 2008 & payment was refused. I was told I had to pay the March 13, 2008 payment & the April 13, 2008 payment otherwise they would not accept anything. The April payment due date was April 13, 2008 therefore I don't understand why would prefer to repossess the vehicle rather than accept the payment less than 30 days late.The creditor has been calling and harassing my family members & disclosing personal information to anyone that answers the phone. they also have someone calling pretending to be DHL delivery service asking to verify the address.
I was unable to make 2 payments therefore they are attempting to repossess the vehicle and as of today I am less than 60 days late & was prepared to make the March 13, 2008. I did not think it was legal to demand 2 payments, basically making me pay the April payment before the due date.
I have a car loan through them and had some recent medical issues that required me to take a leave of absense from work (and putting me behind in my payments - not even 2 whole months) Previouly my account was in good standing. I even called to advise that I had cashed in a 401k plan to pay ahead until i return to work. Since then, they've called the receptionist at my job and my mother and discussed mt account with them, even going as far as asking if they could loan me the money to pay.
They faxed a detailed sheet showing the amount I am behind and a demand that I pay today to my employers personal fax machine to my attention (which I was written up for - especially since I work in the finance department) I've been called names, sworn at.... they even play games on my cell phone and call and block the number and leave nasty detailed voice mails (which i have re-recorded to another device) Is there anything that can be done to make this stop. There have to be laws that give them limits on what they can say and do.
Iwas contacted by phone from this company for an account that exists solely for my sister who's home residence is forty miles away from mine. The representative asked for my sister. Itold them that she does not live with me and that last number I had for her was disconnected. I also told them that I had given her a message the month before of of my voicemail from them. In December I requested that I be removed from her contact list. Not only did she tell me she was calling about her car she also told me that they had reported the car stolen and that if my isiter or her husband were driving that they would be arrested. After repeating that I only see my sister when she drops. The calls still came.
For two weeks they stopped. Today I spoke to another representative who would not let me talk and repeatedly tol that i would tell their client too call. I ended this second by hanging up. I told her that I would seek counsel from my lawyer. She replied, that I did not have a lawyer. I gave my lawyers name and hung up. Twenty seconds later the phone rang again, it was the same representative. I told her that the more she called the more grounds I had for a harrassment charge; Once again I hung up the phone. She called right back. Thre more times she called I was actually on my computer looking for information to file a complaint when she called the last time.
every morning and most of the time 2-3 times a day, i get phone calls from this company. they are calling for my sister and her husband who does not live here. i have given them the number of their house 3 times and told them not to call my house anymore. this harrassment continues. finally i got upset and said to the lady this morning "cunt quit callling my house" and hung up. would you believe she called my house back 4 time in a row and said "well, my husband should pay his bills and to quit talking about myself like that."
i called back the company and demanded to speak to a supervisor and another lady answered and refused to give me a supervisor because i did not have an account there.then she told me to quit getting rude with her. i was not being rude to her, i just wanted to speak to her supervisor. she continued to refuse.i told her to quit calling as this is harrassment. as i am not the account holder, i cannot change the phone number as i have been told by them before. i want the harrassment to stop.
I am a 33 year old adult, who is using my parents address as a billing address because I am a full time University student living with other people. A customer service representative made a telephone call to my parents home. My mother, answered and the operator disclosed personal finance information about my account to her. The representative further made inappropriate remarks indicating they would send someone to their house to repose the vehicle (which was an untrue statement). My mother gave the phone call to my father who then paid via check (over the phone).
They again gave him personal finance information. They had a threating manner. My parents were NOT co-signers or used as a reference. They have no knowledge of my personal finances. CPS used threatening remarks in order to obtain a payment. They disclosed personal information to an unauthorized 3rd party.
individual called my home in a very hostile manner regarding something i have nothing to do with, and was very unprofessional and rude to my wife. individual stated that she could call my home anytime she wanted, and made comment regarding my wife not being a good mother. i feel this individual needs to be dealt with in the appropriate manner as this is certainly not the way to conduct business.
In November 2005, my husband and I purchased an automobile from Steven Auto Mall on south broadway street in Wichita Kansas. We had a discharged bankruptcy and knew that we would have a difficult time getting a decent interest rate. The salesman told us that only one financial institution, or company would work with us due to our recent problems financially we would have trouble financing anywhere we went. We were under the impression that a person could not just go shopping around to finance a car because every time you had a dealer try to offer you a deal, when they ran your credit it was a hit against your credit history as an inquiry.
We were not aware that this rule had changed and you can now shop within a time frame, 30 days I believe, and not have the inquiries show up as more than one hit. Provided you are "auto shopping", etc.
So, we are sitting in the sales persons office being told that because of our bankruptcy no one wanted to deal with us, and that we would not be able to shop around or it would hurt our credit further. We needed the vehicle and although the asking price was a little above value, it was not too bad. All things considered. The car had medium milage and was a rental car prior. In trade we were trading back an auto that we purchased 6 months earlier from the same dealership. we had paid 1500.00 cash for the trade-in auto.
They offered us a few hundred for the trade against the new auto. Of course the entire process took hours and my husband had to go to work, 2nd shift. I finished up the paperwork and drove the car home. My husband went in the next business day and signed his signature on what papers needed to be signed. Two weeks later we were contaced by phone by the dealership, finance officer. He told us that the paperwork we signed had a typo on the interest rate section and that we needed to sign corrected paperwork. Stating that this error was in our favor by about one half percent. We went in seperately and this took about 3 days or so because of our work schedules.
In another month, we received a phone call from a Consumers Porfilio Services, asking for every bit of information that we had given when we purchased the auto. When questioned, they told us that the loan was recently acquired and they needed to set up our account asap and the paperwork had not reached thier home office in California. After calling back to the dealership, we were told that yes, the loan had been sold to Comsumer Portfolio Services. Fast forward. Within two months after purchase of this auto, my husband was laid off, again, from Boeing. He did go into another job pretty quickly but, because of pay differences since then, we have once again struggled.
Since then, I have tried to have this loan refinanced and spent a great deal of effort trying to understand why when I call for a payoff the payoff is quoted as twice the balance. When I call for a balance the balance is half of the pay off. I cannot get this car refinanced anyhow or anywhere. I have been told that the interest on this loan was front loaded. And that this practice is illegal in Kansas. It is hard for us to believe that we were at any time informed that this was the contract we were signing. No matter how badly we needed a vehicle we would not have paid two times the price for one. We wonder about the having to sign "corrected loan papers" if it was at that time the loan was changing hands. There was a lot of information that was not disclosed to us up front and we feel that we were discriminated against, and quite possibly may have had some sort of fraudulant/Predatory loan practice take place. Not to mention that this company, Consumer Portfolio Services, treats us like complete and total idiots.
We are extremely disappointed to have learned, after going around to pretty much every respectable auto dealer in Wichita and a few lending institutions, that we would have qualified for a very decent loan back when we purchased the auto. Any light that can be shed on this unfortunate situation is greatly appreciated. Thank you!
I was told that my daughter(who no longer resides with us) had used me as a reference and would I forward their number. When I questioned her what this was in regards to, she refused to respond. When I asked what kind of business this was, she refused to answer. I called the number back- without extension- to see if I could be connected to a supervisor, I was put on hold for extended periods of time and finally after 5 tries, I told them not to put me on hold, the man hung up on me.I believe this is some kind of collection agency and these people have called us several times in the past year trying to get info out of us. When they call their number and name is blocked.
I have called repeatedly about receiving the titles to my car that I have paid off this month. I made 48 monthly payments, which was the agreement of the contract. Consumer Portfolio tells me I need to make an additional 3 monthly payments for some strange reason, without an explanation. By me being in the military, these payments had to be made by allotments, which I did not change, stop, or was late. They said they were going to initiate an audit of my account. The audit was bull****. I also asked for my payment history for this account.
Consumer Portfolio sends me a payment history for the past year and a half. When I asked them for the remaining time of my payment history, they refuse to release the history. I'm starting to believe they don't have it from when they bought this organization from Seawest Financial. Not one representative can give me an explanation for what they are doing. The supervisor seems to never be there to accept my calls. I left a message with him, but once again he's a busy man (doing what?)The representatives of this organization are rude, their liars, and uses most of their time rushing me off the phone without results. I kept up with my part of the agreement and I expect them to do the same. If I would have missed a payment I would have been harrassed.
I first started financing a car I bought through a company by the name of VIS Auto Finance, Inc. This is the third company that took over the loan since I bought the car on February 28, 2003. I was receiving regular statements from the second company the last statement I received had a current balance of $6951.63. I was then notified that this new company will be taking over the loan from the present company I had which was Seawest Financial Corporation.
Since this new company my balance has rocketed to $9059.48. It has been explained to me that I was being given all along the balance without interest, somehow i dont buy it. This car original value was $6900 plus the necessary charges they mark-up. I have been paying more than a year now without missing any payment or being late. I have proof of payment, but something dont seem right with this company current balance. Please assist me in any way possible.
I had a five-year installment loan agreement with CPS that began in Feb. 1998. Over the course of five years, I made my payments by way of Western Union Quick Collect or Moneygram. On many instances, the payments I would make, while being told by Western Union and Moneygram that these payments were in CPS's account within twenty minutes of having been sent, CPS sometimes would not post these payments until one or two days later, thereby allowing further interest and penalites to accrue on my account. Only after having requested a printout of my account payment history almost four years into the loan, did I realize that this is what was being done.
When I contacted Customer Service, I was told that the payment would not post the same day unless it was made before 3 p.,m. California time. The loan I had was a simple interest loan, with a very high interest rate. The additional interest and penalties that accrued on my loan contract were quite substantial over a four-year period. If the money is available to CPS twenty minutes after I send it to them and is as Western Union informed me, "in their account," how is it that this is not reflected in my account payment history. I can understand the later posting, however, it would seem only fair that the payment is shown as "received" when it is actually received, rather than when it is convenient for CPS to "post."
