Consumer Portfolio Services Reviews

After I pay this car off I would never get anything else from them. Where I live it is a state of an emergency due to power outage from a few tornadoes for over a week and they keep calling for payment. When I need the money to feed my children. These people have no empathy.

A lawsuit needs to be filed with this company.. They are a straight rip off. I was taken advantage of. I am a widow. After my husband passed I needed a car and because of my credit they connected me to Consumer Portfolio, my car is 6,000. Once I finance it came to 21,000.00 so be careful. All the money I put into making my payments the price just never seem to go down. The worst thing I ever did. I was definitely taken advantage of.

NEVER USE THIS COMPANY! They don’t care about their customers at all. They send messages saying to call and they’ll be glad to help you but it’s a lie. I lost my husband and went to 1 income on top of this my lights were cut off and they refused to help me so I was forced to not pay my water bill and sell the only thing I had left of my husband (my wedding ring). Once again they didn’t care. God help them if they need help themselves!! I only keep this car so I can get to and from work to take care of my kids.

Horrendous company with poor customer service and extremely slow issue resolution. They also lack the ability to properly document important paperwork. This to me seems like some very major downfalls on their part. My advice is to go elsewhere at all costs.

This company is worthless. Yeah they'll help you get a car with a 24.99% interest and be careful if you take two extensions somehow you will owe $5,000 more than originally owed. $33,500 turns into $38,500 because of two extensions. Which somehow I think they screwed up but you call them and they just tell you well your interest percentage instead of looking into it and seeing why it is $5,000 more. I took a six year loan. That six year loan has now turned into a seven year one month loan because of the two extensions I'm assuming. Stay away from Consumer Portfolio. You will regret it 3 years after. Also I've paid $13,000 and only 3,000 has gone towards the car. The rest has all been interested. How they do this is beyond me because if you owe $33,500 I would take half of that $463, put it towards the interest the other half towards the car.

I was initially set up with Capital One, but the dealership thought CPS would be better since their interest rate was a little bit lower. But their customer service.. Trash. If you don't sign up for auto pay, they make you pay $4 to pay online. The only free option to pay is by leaving your house and paying at one of their approved retail stores. I haven't even made my first payment yet, and already feel unwelcomed. They are only for themselves and not about making it easy for you to make your car payment. Definitely going to try to pay this off ASAP, or refinance with another company to get from under them.

I regret ever doing business with this company. Before this place I had a loan through Credit Acceptance. I always paid on time and if I needed to change my due date, I just called and changed it via an automated system with no rep bothering me. Not with this place. I paid on a 2014 car (it is now 2024) that is worth about 7,000 and I owed over 17,000. I paid on this car for two and a half years and the amount owed NEVER went down. You will spend all your money on a very old car and they will call and nag you on a constant basis. I have hundreds of emails and calls when I’m even a day late of them threatening to be send me to the recovery department. Last week the car broke down, it is rusted and just an actual piece of junk so I let them take it. I’d rather save money and just outright buy a car.

If this is the finance company that they want to use, run, don't walk, far away. They are horrible and they all have attitudes and are rude and intrusive! I will never finance with a company like them again!

The company failed to provide title for my registration for 2 months. Absolutely rude people, with zero follow up on their side. Called about 7 times and DMV still hasn’t received title. They putting me in danger of receiving ticket.

Very nice professional company to get a car loan with. They have been great especially when my credit isn’t perfect. For sure recommend them to get a good car and help rebuild your credit. It’s great to have good options and not be stuck with buy here, pay here cars.

I’ve purchased a 2024 Honda Accord through CPS and paid 3,100 down while on bankruptcy. Everything was fine until I’ve found out that they denied me because I was on a leave of absence from my job (mind you my son was very sick). Then I was rejected again because of my debt to income ratio (my rent amount and bankruptcy amount too high). Gave them paperwork to prove that the amounts significantly decreased. Got rejected again because they need me to send a paystub (I’ve talked to a supervisor about this) showing that the bankruptcy amount dropped to $145 a month which I did, which I’ve let my Kia go due to car theft and attempted car theft within a month and had significant damage to it from the theft. It was not drivable.

If I can give them a zero I would. I always made my payments on time. I missed a couple of late payments. They said they would work with me, it seems every time I pay their third party somehow screws me over and they are quick to harass you throughout the work day from two different numbers. I tried to make a payment before they tried to repo my car and sure enough did they totaled my car without any warning or email stating they will and they are lie, saying, "We are here to help." I been calling, stating I wanted to make my payments. All they keep saying, "Your car is going to be repossessed." I do not recommend and don’t leave none of your belongings in the car because they don’t car what’s in it, they will take your with no warning.

I financed a vehicle through Consumer Portfolio a couple of years ago. I fell behind on my payments the last few months and I made two payments of on Sunday morning. I used the online system that I had always used, my payment was approved and I went to bed last night as if everything was normal. On Monday morning, I looked outside and my vehicle had been repossessed.

My experience with CPS has been a nightmare since my car was totaled at the end of 2023. The harassment and unprofessionalism of their customer service reps are at a all time low. I had to let the rep know she doesn't have to get smart or an attitude with me. I understand I have a balance of 1500. If I had you would have it. Look at my payment record. I always made my payments. To get an attitude telling me how I should be paying my bills is unethical and down right disrespectful.

I do not recommend this lender. No one is on the same page and you will get a different answer regarding the same question every time. These calls are not monitored or recorded like they claimed. If I can give zero stars I would.

I didn't like the interest rate, however that was of my own doing considering my credit score. I would like to say every time I needed help they helped me every way they could and I still have my car, as long as they see that I am making effort they have not taken my car. I know everyone have problems and I'm sure I'm not the exception. They have not been bad at all, anything bad I don't like. I can thank myself for it. They are only doing their job and they gave me a loan when no one else would. I agree the rates are really high but if we had good credit CPS probably wouldn't even be in the picture. I'm grateful to them and having a car at all.

I'm an actual person. I'm a disabled senior. I paid all but $1600 of my car and it was repossessed. I tried to work with Consumer Portfolio only to have fees piled on. I can no longer go to Doctor Appointment, go grocery shopping, pick up medications. I can no longer work. I had approximately $8000 equity in my car and was not informed what my options were. I tried to work with the reinstatement department and was met with increased fees. Their reinstatement solution was instead of paying $1600 which I owed on the contract, I was to pay $2400. I'm not asking for sympathy but only want you to be informed as to the conscience of this company.

Well I’m going start off saying that I wish I would’ve read these reviews earlier but I’m here now so let’s begin. My credit score is in the high 7’s so I got approved for a loan with Consumer Portfolio Services which the interest rate was ok. I was thinking $600 a month wasn’t really bad for the car that I got approved, get the car, only had the car for only 4 days then get an call from the salesman stating that my paystubs wasn’t real and consumer portfolio services rejected my loan. So I went on to ask how are my paystubs not real sir. If you need more pay stubs or more verification that I work and the wages that my stubs say then I can and will provide them. He told me just bring him the car and I was not going to get my down deposit back $3500.

My car was repossessed when l was behind 2 payments. Fine l thought, it's my fault l will pay it and get it fixed. Not that easy! I was charged so many outrageous fees that, l ended up paying twice what my two payments were. My car was gone over a week because they make you set appointments with the company that removed my license plate, then appointments to get my belongings that were all removed from my car. Then appointment to the auction where my car was taken. Each appointment is a separate charge that l had to pay. Even though l was able to pay for my car the next day. It didn't matter because they started the process. So l had to wait while my car was passed around, and l had to pay each place. So finally l get my car.

I purchased a new vehicle. A 2015 Honda Civic total price around $19,400. Monthly payment $456 mo. However for the first 3 yrs. About $120 bucks was going to the principal. Total amount pd. Nearly $30k.

I had to get a new vehicle due to a car wreck in my old one and Consumer Portfolio Services was there for me and gave me a chance. They are very professional and I appreciate the great customer service so thanks CPS!!

Yes, the finances are through the roof, but I have bad credit so that's my fault, I'm just glad I have a vehicle and I love it, it's a 2018 Jeep Compass. I've had my Jeep for a year and a half now. I have had to get an extension 3 times because of work shutdowns and life issues. They have always been understanding and so nice about it. They don't have to offer any extensions at all and they give you 6 for the length of your loan. Their customer service has been nothing but compassionate in our times of need, and I appreciate that!

I am trying to find out how come I'm taking long pay car and seen like came out almost 50k and the finance charges are horrible. That bad part about having a low credit score. I think is not something I will do again.

To all the negative reviews guys, just pay your bill. Be an adult. I had no issue with this service and they were awesome and they give people with low credit scores a chance to have a vehicle unlike most financing companies, if you’re going to be late let them know and give them an exact date you will pay and ofc there’s a late fee as there is with all companies.

This company is a bunch of bulldogs. They are not compassionate and will be harassing you at ever second they have. You will receive multiple calls a day even after you have spoken with some one. The harassment starts on the very first day of deliquence. (Day 1). I was about 15 days late and everyone of my referrals were contacted even after I had spoken with them. If their practices don't change I see multiple federal laws and guidelines being broken. Treat people better. That's all.

The only reason I gave them a 1 is because there is no 0 option. There are so many bad reviews about this so called company I would be repeating the same frustrations, so I will just sum it up. They Suck, Stay away, They are in California, that alone should be warning enough.

If I can give that company a zero star I will. Stay away from CPS. They are scammers that’ll ruin your life. I went to the dealership to buy a car. I wanted to go with my bank that pre approved me. When I got there, they said my bank denied me, that they’ll use another finance and I said okay. I found the car I liked and CPS was my finance. After a month I hit a deer on my way back from work. My car was totaled loss by the insurance. I called them to tell them my car was totaled. They told me to deactivate my automatic payment. The insurance paid off the with the market value within a month and Gap will finish paying the rest.

My car was totaled one year after I purchased it. The accident was not my fault. I have been in constant communication with them and I was waiting for my insurance company to pay my loan off. They turned me in to collections and a missed payment because they didn’t receive $1000 because I was waiting for the gap insurance to cover the rest, my insurance paid off more than $21,000 of my loan. I would understand if I ignored them and wasn’t in constant communication with them and explain to them that the car was totaled. They don’t care about their customers or what they’re going through.

Would not recommend. Waits till the dealer gives you the car and you pay the down payment just for them to deny you a week later. They say they’re there to help people. No they're not. They're out for themselves.

I purchased a car from Galaxy Auto end of November 2022 in Winchester KY through CPS. The day they called to finalize the transaction the car was no longer working which was a 3 day span. I made 1 payment which I now regret in January. It is now June 26 Monday cps just repoed the car June 24 Saturday and the representative said to me today I should have looked at the reviews before (she is right) I bought the car! She should also have advise me to review Consumer Portfolio Services. I have been scammed by this company (cps) and the car company (galaxy auto). They are working together!! Do not I repeat do not use this finance company. They are scammers!!

Stay away from this finance company, interest rate too high, the customer service people are rude, if you ever get in a bind, you will never catch up from all the high interest rate fees, and once you get behind, they threatened and harass you. I had my vehicle reposted, which they auction off, and had the nerves to send a letter saying I still owed them money and I only had 5mos before I paid this vehicle off, they scammed me to get this vehicle back anyway. Run far away from this company.

When the class action lawsuit comes out I will be the first in line on these scammers!! Just watch it will be coming, you can't be this low and don't expect karma! After repeated calls (4 times a day, different numbers) about a car payment I asked for a supervisor because reg agent was sooo ** rude, asked her to send me breakdown of my payments, STILL haven't received!! Yet the phone calls ceased! No worries. I keep good notes and just waiting for the right atty to jump all on this!! He will be RICH from the class action from all the people they have scammed. READ YOUR COMPANY REVIEWS, WISH I HAD!! You will take notice of the companies that care or NOT! Until they are in court faking it!!

Stay away from these loans. They will try to pinch every penny from you. If they don't get you the high rate loans they will charge you a fee every time you make a payment to them. Also unnecessary high late fees. Wish I had not got into business with this company.

We bought a 2015 GMC Acadia. A month later the check engine light came on before we ever even made the first payment. I call and they said you buy as is. So here we are a year and a half later with a car that is a pos!! We go to get a loan from my bank to trade it in and somehow we owe more than what we financed. We financed 24k and we owe 26k how does this happen!! These people are awful!!! Run!!

Truthfully at first things were perfectly fine. I always made my payments on time as best I could until I fell in hard times and got behind. Now granted they have continuously worked with me for years and it always try to find a way to make things easier for me when it comes to payments. The staff is usually very polite and very professional. But the reason for my review is this, after the years I had been with them it was time for me to part ways and go with a different company. They gave me a much lower interest rate and there’s a payoff that was sent to them that has a tracking number from the company that I am with now. The tracking number showed that after the check was mailed out on 7 October it showed that it showed up in the mailbox their mailbox that was listed on their 10 day payoff letter on the 17th.

So my mother died months ago. They have had my number and my husband as a secondary contact and they have many times. The note on the car was under 4k from being completed. Their number came up as scam likely and they were told not to call because obviously it said scam likely and instead of calling myself or husband like they have for the past 4 years if anything happened they send a tow truck and picked up the car and called the note refusing to reinstate it. Of course I paid the loan off but had I not been able to they would have just sold the car and made an additional 17k- 20k+ I’ve Priced this car and that’s what it’s going for in the condition it’s in. They WANTED that car not to be paid so they could turn around and resell it.

This company is horrible..I got behind when Covid hit and everything shut down. Got behind on my payments. They refused to work with me. All they did was threaten me…April of 2022 they came and repossessed the car. I was able to borrow the money from a family member. They gave me the total balance I had to pay to get car back…I paid it then in May received a letter and email saying I still owed 249.00 for April and come end of May at due date I would have May due so I paid it then paid May and the following month June, then July only to be told I still owed for March and April so the payments I was making in May and June was covering payments I was still behind even after showing the email and letter that it is impossible.

I give this company A BIG FAT ZERO! I have paid off four cars & NEVER been treated so horrible! After contracting covid back in October 2021 I fell behind in a car payment! After calling to work out something as I have been paying on this account for three years before Covid & thinking something could be worked out. After all I had severe pneumonia complications as I am disabled veteran to date I am still under Department of Veterans Affairs medical care for it.

CPS financed a 2012 Camaro for me January 2018. May 2019 the car literally broke down on me. No warning signs. I KEPT the maintenance and my payments up. I had just bought 4 brand new tires and had just got the registration in April. Always got my oil changed synthetic $80 per visit. The car literally scared me. Driving in the rain it would slide. I thought it was the tires but it still would slide in the rain with the new tires. I was on the freeway coming from a 10 hour shift at work. I heard something I thought it was debris trapped under. It sound like plastic rattling under. Pulled over didn't see any thing stuck under the bottom. It wouldn't start back up. Had the car towed to the Chevrolet dealership. $15K was my estimate for a new catalytic converter. Overall they said I need a new motor.

Please stay away from this company! Fraudulent! Thiefs! Rude! Car loan approved with 15k down and was approved with 12k over sticker price plus unauthorized warranty added without my knowledge. They are running an illegal establishment with kickbacks from specific dealerships and committing auto fraud on a daily basis. Shame on you CPS & Sandy Sansing of Pensacola, FL.

For the most part this company was ok. I paid off my vehicle and I asked for a duplicate title and was denied and told to just go to the DMV they have everything on file. I went to the DMV and was told I needed a payoff letter. I called not once but twice to get this letter and didn't receive one until 3 weeks after I called for a second time. I am happy this vehicle is paid off and I will never deal with this company again.

This is my first ever auto loan as I've become of age. I got stuck with these guys. Don't know what to do, I can't get a hold of anyone. It just brings me to the same person. Can you guess what the call says? They aren't available at all. I called 8 times. I can't request a change on the date of payment. Can't get ahold of anyone. At this point in time, I believe they are making it hard to reach them so you run into issues so they can repo your vehicle. I can't even get anyone on their online chat. I transferred to a different job due to reasons. I let them know. They said they would call me back with a solution. They aren't worth it and honestly, I should've outright bought my vehicle. I have had many issues with this company and it's only my third month with them. I set up autopay. Guess what "it wasn't set up correctly." They called me 4 days after the due date. Like seriously. Find another company who actually wants to work with you and be there for you, not a thorn in your bottom. I just want to be rid of them.

This Company gave me my loan for my car. 18% interest. I asked to refinance they said no which is a lie. Asked for audit of my payments and all the agents give me different answers. You’re better off saving your money, time, and energy by going elsewhere. I wouldn’t recommend them even if I got paid. Consider yourself warned.

Consumer Portfolio Services financed a vehicle for me back in 2005 while I was in the military. The vehicle was a Dodge Stratus and the amount financed was $12,500 with an extremely high interest rate. I paid on the car for two years paying $330 a month. When I was leaving the military I called CPS and told them I was paying three months ahead on the principal because I was getting out of the military and was making sure the payment didn’t get behind. I got out of the military in July of 2007. I received a call in August saying I was late on my payment. I told them I had paid three months ahead and they told me that money went towards the interest and not the principal balance.

I had a 2017 Kia Forte that I financed through Credit Acceptance. I only had it roughly a year and I realized it was too small so I wanted to upgrade to an SUV because I have teen boys and every time we drove somewhere it was a tight squeeze for them. I made all my payments on time or early for a year, did not need a co-signer or a cash down payment since I traded in another vehicle (when I bought the Kia). In January of this year (2022), I went back to the same dealer to get a SUV. I fill out credit app and even though my income and credit was basically the same, the only place that would finance was Consumer Portfolio Services with a co-signer. I’m like omg after they paid off the rest of my auto loan that I currently had. The dealer said I had 5k to put towards another car so why the heck do I need a co-signer. Long story short, my ex co-signed for me. This is where CPS starts to bug me.

Right after a chapter 7 discharge CPS financed me, no problem. Of course if you miss a payment without notifying them ahead of time the will call.. I learned quickly that with this company "communication IS key" as long as I kept in contact and told them what was going on they did care when I made my payments... They may have been reporting late payments but at least I wasn't being harassed.. And the 2 customer service reps, a guy and a woman out of New York I believe, we're super nice and super helpful every single phone call... Thank you guys so much!! Y'all helped me A LOT.

Fell behind one payment after I purchased the car due to a life and death experience literally! Car was repossessed and was trying to reinstate loan based on my circumstances and they was so rude, thoughtless and inconsiderate and wouldn’t allow me to go forth and pay balances!

I bought a 2017 Honda Civic Sport which I love, the payments are high but my credit at the time was awful. They've reported my perfect payment history and have let me defer when I needed to. I wouldn't have my car or improved credit without CPS.

Got everything I needed to know from website. Very detailed and accurate. I'm very satisfied with the information I received. Well worth a $1 I spent. Would definitely recommend it to anyone. All the information on my car was accurate and very detailed and it's helpful for anyone that needs to get a pack ground on a vehicle.

I informed CPS that I could not afford the 2018 Hyundai Elantra that I bought November 2017. The car notes are not behind but I just cannot afford the car plus the pandemic has not made it easy for anyone. I was told I have to be eligible for a voluntary surrender (Eligible?). What CPS does is wait until the car defaults then repossesses your vehicle, which is kind of illegal, especially if you have already notified them of your issue. So, I decided to obtain a lawyer, just to see if they default me so that a class action lawsuit can be filed. I will keep you guys posted.

I purchased a 2013 Honda Accord in July of 2013 for a 72 month term. I did have a few extensions. My loan originally should have been paid 7/19. They pushed it back to 7/20 and when I made my last payment it was changed to 8/20. My car was repossessed last Friday 11/20 because I refused to pay them another dime.

This company is about as unethical and dishonest as they come. My loan is 100% paid in full and they plummeted my credit rating by over 51 points when all principal and interest had been paid in full. Not a single payment had been missed in over 2 years -- despite the death of my son and Covid19 contract losses. They reported to all 3 Credit Reporting agencies that the account was "closed" when it was not with the notation "Paid as Agreed" rather than that it had been paid in full which should have raised my credit rating rather than send it into a free fall.

This is the worse company ever, there was a mistake by the dealer on the 1st payment of the car and ever since then even though the account is up to date, it gets paid on time..they harass me calling 3 + times a day calling like if the account was delinquent when is up to date..payments get done on time...there's no need to harass if the payment isn't due or delinquent... I told them not to be calling and they just don't care, they ran my credit again without permission bringing it down 10 points every time they do it..what for? This company has to be shut down for good...

The company is very heartless. I had my car since July 3 2013 and with the pandemic I lost everything, my husband, my car, even felled a little behind on bills. I was told the first week of September they were gonna work with me and wow what do you know in the middle of the night they impounded my car along with my custom tires and rims that I had purchase before losing everything due to the pandemic. The guy promised me a payment plan and still repossessed my car. I owe like 3800 more on my car. They won’t even work with me to get my car back. Want me to pay like $2500 at once to get it back and I didn’t have it a $300 towing fee and a $35 dollar a day storage charge they and I was lying 432 a month for a 2010 charger and old car so you know they could have worked with me on the payments. Don’t purchase through them at all. They are rude on the phone. Very very demanding.

Stay away from CPS! Financed a car back in 2014. Once I reached a balance of $4,000 it remained that way for over 2 years. Where are my payments going?! How is it a payment is made every month yet the balance remains the same. They are unethical and their employees are rude. They are the only company that has not offered any help or relief for those of us affected by the pandemic. They have predatory practices and make it impossible to pay off the loan. Worse mistake of my life was signing on that dotted line. Please look for other options. This company is a nightmare!

If you do not have to get an auto loan from them, DON'T! I have had a loan with them since Sept 2018 and they check my credit every two months...WHY? I also asked to send my payments in biweekly and I was told that I can; however, they will not apply the payments until the due date. What! They are only interested in getting rich off of their customers. The customer service agents are NASTY and if you are even one day late they will call you MULTIPLE times a day. Run...Don't walk!

This place is the worst company. I bought a Kia In 2015 for a little over $21k. After being harassed during these rough times with the phone calls; which CSP makes you feel like a total POS when you are late and makes you feel worse when you try and explain you are struggling because your hours are cutback. Well I thought I was pretty close with having this car paid off and thought it might be easier to try and get the money somehow to just pay the balance instead of getting multiple phone calls a day every day and I was just told I still owed $20k!!! WTH have I been paying on, someone else’s car? I wish I never got my car loan through them!

This is the worst company ever. I wish my wife and I never had to deal with this place. We have been affected by the pandemic and they act like they care. And asked me if I can borrow the funds from someone else. Sorry but everyone else is also struggling. I do not understand how these people stay in business. The attitudes of these employees they should be ashamed. My wife and I got a vehicle in 2016. We have been having money troubles but who don't, tried to call many times and let them know what is going on and they just pressure you like crazy.

I have a Hyandai Sante Fe Truck. I bought the truck back in October 2016. I bought the SUV at 21,000. They still telling me I still owe the 20,000. I pay my Truck note on time. They always reporting me late. They always on my credit just doing the most. They have different supervisor and managers telling you a bunch of lies. They over charge you on these cars, they always want to repossess your car, they feel like that's scaring you, I ignore these dumb idiots, I always tell them off because they suck, I hired a attorney just because of them, my attorney was blown away of all the lawsuits they have. They don't care about Covid-19. That's what they told me. They just want their money. They're scam company. I hate this Company with a Passion.

I financed a car in 2016 after filing bankruptcy. Talk about a scam...these people who work for them are trained in how to be nasty! Made on time payments for 3 years until my car was totaled. Had gap insurance which paid off car but owed around $1200. Made arrangements to pay every month and they reported me as late to the credit bureau. Spoke with them several times regarding these 'late payments'. Even though I had made arrangements to pay balance they considered them late as I could not pay off when car was totaled. Disputed claims with the credit bureaus but still showing. Go ANYWHERE ELSE! What a bunch of scammers taking advantage of consumers with credit concerns!

This company doesn't care about the customers at all. Most of the employees are nasty. Even though knowing that I was affect by Covid they put 90 days past due on my credit report and then they reposed my car On July 1, 2020 in the early morning hours just to surpass the guidelines Covid 19 (from March 2020 to June 30, 2020). Then the company that reposed my car towed car with a regular tow and drag my Audi A3, 47 miles and damaged it. Once the company refuse to take responsibility by saying that it was towed standard. Anyone that knows about cars that you the flatbed to tow a luxury car. They have the worst business practices ever. BEWARE.

This finance company is the worst, I really do not understand how they can legally operate when they are stealing money left and right. My car has been financed through them Since 2016. Making payments, everything to interest and the interest rate is ridiculous, I brought my vehicle back in 2016 $1965.00. I am nowhere near paying off the vehicle, making payments every 2 weeks when I get paid, my payoff balance is $18,234.79. It seems like I am not paying nothing on my car but I have. They keep HARASSING me call me everyday. My hours have been cut due to CoronaVirus and never once did they reach out and say, "We understand with all that is going on this is what we can do for our customers that may be struggling."

My car was financed through CPS in October of 2014. I recently reached out to them to see if I could get a payout or some kind of settlement on my car because I lost my job due to Coronavirus and I was almost done paying on it. They immediately told me no. They gave me the run around basically saying they couldn't give me a discount because it would look bad on the company and I owed less than what the car was worth. One employee name Silva told me that instead of helping me out to send him pictures of my car because they could at least get $4000 off of it if they repossessed it. I can't believe them.

If I could give this company a zero I would. I called to ask for a deferment on my car loan due to Covid-19 and was told "I do not qualify for a deferment". I also explained I could provide a Dr note because I was taken out of work (I work in a Dr Office) due to being high risk and I could face death upon exposure to Covid-19 as I have heart disease. Regardless they were unwilling to work with me and have very Poor Customer service. CPS has harassed me daily even after they were given a date as to when they would receive payment (Only 30 days past due)!!! Basically it was pay my bill to keep my car or take a chance at death... I will be seeking legal action. That is for sure because they should not be able to do this to people at a devastating time like this!

I called because of the covid 19 to ask for a deferment. They denied me and spoke to me like I should have the money, I told them that I was furloughed, they did not care. This epidemic that is occurring cannot be helped. This is unbelievable. I am disgusted with them.

Dealer Review- If I could leave Zero Stars I would. We did a Direct Mail piece with them recently. Everything was set to drop on a certain date near a holiday weekend. No traffic, didn't think much..maybe it got delayed. Called them up the next day. The printer was supposedly broken "first time in 14 years." At first they shot straight then as the days passed I could tell I wasn't getting the real answers. Comes down to canceling or not..

I was approved financing thru CPS last year after filing bankruptcy in July 2018. I havent really experienced much of an issue with them, until today being very disturbed by their actions. My note is due on the 20th of the month, and I had fallen behind back in June due to medical condition. But it is November, in Sept they approved an extension to help me get caught up for the 1 month i was behind due to my medical leave. So October came and I wasnt able to make my payment on the said due date Oct 20th, but we have a 10 day grace period and required that use it because in Sept my son ended up being injured after being hit by a car on his way home. So this delayed me being able to make my payment on time by due date, but it didnt set me back 30 days as the payment was made via their website on Nov 14th.

Hi. I was with Cps. I bought a Nissan Sentra. Paid extra every month. My payments were 306 dollars a month. I was paying 350 a month or 370 a month. I didn't want that car in the first place. It was a 2012. It wasn't till 2013 that they made the body longer anyway. I wanted to trade it in. I'm 5ft 6". My husband is 6 ft 3" and my daughter grew since I bought it. The car was good but all the money I paid didn't seem like it went to the bill and when I wanted to trade it they told me to sell it. Didn't sound right. Called my insurance co. They said, "You can't because you don't own it unless they want to pay what you owed." Car had less than 1,000 miles. I took it to several places. Coming to find out a dealer told me even brought the book value. Showed me on computer the dealer or cps got stuck in. Car loan was more than car was worth.

But good luck ever paying the damn thing off! They squeeze every penny from you. I was paying more than they asked every month, then they randomly started taking 210 of 260 every month. So $50 freaking bucks was going to my loan... $50!!!! And if I paid more they took more. Total crap. Also their “payoff” is almost a grand MORE than I owe. ALLY is 100% better and that’s what I have with my truck. They don’t try to rob you if you want to pay off. I will be refinancing ASAP. ** robbing company.

I got a loan in 2013. Fast forward to now, I have had several late payments due to being laid off and maturity date of loan is 2020. I still owe 10000 at maturity date. After paying 450 a month for 7 years.... DO Not under any circumstances get a loan with them. I would have been better off renting a car every week.... It would have been cheaper. I feel like saying come and get it! Robbery!!!!

They have horrible customer service the way they talk to you as if you are beneath them. I have communicated to them and when I call and respond it’s nothing but attitude, if people are calling to give you money, what’s the problem. The voice messages they leave is as if we were friends and there is an issue, no professionalism what so ever. Even though when they answer the call and say it’s on a recorded line... What does that mean? Obviously the way you customer service people doesn’t matter! Maybe they are trained to be hostile, I’m not sure, but I would rather communicate via email instead. Especially with my condition. It’s just nastiness for no reason. Sending positive vibes their way, but do not recommend. Horrible experience every time!! If I could give a 0 for service I would.

I bought a 2010 Hyundai in 2014. My was for $9,554 with an interest $5,600.02. So far I've paid 9000 in interest and they're still trying to say I owe 3000 on the line. First of the uploaded said that I was uploading uploading and uploading so when I finally got in touch with them they said, "Oh no it's not paid of. You still owe us $3,000." Bull. Each person I talked to there told me a different story. One said that the finance company back at my car from was telling me the truth then somebody else had known what they told me was wrong then somebody else said, "They were right but couple payments was late so it made your interest go way up. You don't pay 95% interest on a loan." I don't care who you are.

Like so many others our credit was horrible and CPS was only ones to take us. We got behind due to illness. When able to start paying again we worked out an every two week repayment option. I have this in writing and faithfully honored the agreement but we awoke one morning to a neighbor calling to say our car had been taken (repossessed). After many phone calls to several people I finally found out where our things were, then CPS calls and asks if we will pay over two thousand to get our car back. I said, "No thanks." We borrowed a car from a friend until we could get something else, which we did. We got something 3 years newer with considerable less miles and fully loaded. All of this for $4000 less than we still owed CPS after 3 1/2 years of payments. The car was supposedly auctioned about 2 weeks ago and what I am really wondering about is if CPS will try to come after us for remainder?? If so I will plan in filing for bankruptcy.

I am devastated to learn that after paying a high car payment for the last 4 years that I still owe 18000 grand-probably more with the way they screw you. I called to ask how to make principal payments only and they said, "You can't," laughed at me then hung up. I called back and it happened again. When I asked for a supervisor they again hung up. After 10 calls, I was told the only way is to call in a payment, but they won't give receipts. I asked if I could send a money order and she said, "No they won't count-most likely because I would have proof then." I will be contacting a lawyer because at this rate I will never pay this car off. :(

I traded my car that owed with this company for a new car with a bank with a great interest rate. The dealership asked for my payoff and I gave it to them but had paid my car that same day, so the salesman tells me, "They should be sending you a check with that payment." Fast forward 2 weeks I get 2 checks with that amount which I just thought they are sending me due to the dealership paying off the remainder of the loan, so I change the checks at my bank to my account because mind you I think are due to the pay off to find out 3 days later they put a stop payment to and it reports a negative to my account.

In 2006 I used them for a sub-prime auto loan. I had started a new job and a bad credit score. They financed me for 66 months without any problems. I even paid late once! They called me, but never harassed or threatened. I paid my balance and would recommend them to anyone in a tough situation.

I used Consumer Portfolio Services after filing bankruptcy to get a car as they were the only company that would finance me at the time. After seeing a lot of negative reviews about how people were repo'd, charged late fees and when trading or paying off their car, they were given a different payoff amount, I was a little concerned. However I never paid late and I was always able to speak directly to an agent anytime I called. No one ever came to try and repo, they never called any of my references trying to hunt me down and when I traded my vehicle in for a new one, I didn't have a problem with the payoff amount. I guess the others having issues with this company just don't make their payments on time, so it's not the fault of the finance company. I would recommend them and work with them again if ever needed.

Consumer Portfolio financed my new Chevrolet Traverse. No other company would finance me because of my bad credit. My old car needed expensive repair that I couldn’t afford, and I was tired of worrying about it breaking down on me. I only needed to put a $500 down payment. That was almost two years ago. I do have a high interest rate but pay every two weeks to pay down the interest. My credit has increased 60 points. Thank you Consumer Portfolio.

This finance company is the worst, I really do not understand how they can legally operate when they are stealing money left and right. My car has been been finance through them Since 2013. In year 4 none of the money I was paying was going to the principal. Everything to interest and the interest rate is ridiculous. Now that I’m close to finishing l paying this off. They are telling me my last monthly payment will be higher than usual and I ask how much. They told me they couldn’t tell me until the day but roughly about $3000. I couldn’t believe it! I hung up and immediately called my lawyer. This is beyond abuse.

DO NOT USE THIS COMPANY UNDER ANY CIRCUMSTANCES!!!! When I purchased my car I was in a desperate situation because my current car completely died and I needed a car to get back and forth to work. Being uneducated about the car loan process I ended up with a "simple interest" loan which charges interest daily so I've actually ended up paying more in interest than what I paid for the actual car. I cannot believe there aren't better regulations to protect consumers from this type of company. RUN from ANY dealership who presents this loan company as an option!!!

I had mediocre credit back in 2017, but my car at the time died on me and I didn't have the money to buy anything cash. I went to the Ford dealership and CPS was the only one to give me a loan. Interest was at about 22% I believe, but I was desperate. 2016 Ford Fusion SE... $16942. I made my payments of $427 on time every month for that first year, and less than a $1000 of that went towards the principal. The following year I lost my job, and I had to make payments late here and there. Little did I know any late payment I made whether a day or a week, ALL of it went to interest.

I applied to this joke of a company this past week, Natalie and Martha were the 2 minions working on my loan. I am actually extremely relieved these 2 could not "verify my employer", even though they had every damn number to my company I work for I could give them. Severe incompetence at its best. After reading on here the absolute nightmares people have gone through, I thank my lucky stars they were as dumb as they are. 17.7% interest, for 6 years on the $13K car I was ready to buy (because dumb and dumber told me to secure a car, also making me lose $100). I ended up getting financed elsewhere for 9.9% on a 4 year loan for almost the same car!!! So thank you CPS or New Roads Auto Loans for being so incompetent, I actually appreciate not getting bent over by you. BEWARE, THESE PEOPLE ARE LOAN SHARKS, READ ALL THE REVIEWS!

Don't ever use this company. They're very rude to customers and charge an absurd amount of interest. They don't help their customers either. The company also writes fake letters on you. This company will also lie to you.

I got a vehicle from them in April 2018. I like the vehicle, it’s fully loaded. Few months Down the line we got rear-ended in the vehicle (everyone was fine no one got hurt) by a rental company. Now the vehicle is in the body shop for more than 3 months. While in the shop it came to our attention that the vehicle had been hit not once but twice before we got the vehicle. So we visit the dealership that sold us the vehicle, they pretty much ran our credit & nicely kicked us out. So while we do not have the vehicle Consumer Portfolio Services (CPS) is steady adding interest, while in the loop of every situation with the vehicle. We finally get the vehicle back & it’s bent from the driver side of the vehicle to the rear of the vehicle. This is the thing that gets me. They say they did put a repossession on the vehicle but we do not have the vehicle, so who got it because it’s not parked in front of my door but they don’t have have it. They full of crap.

I applied for and received an auto loan for over $19,000 in 2007. I paid the loan satisfactorily for the life of the loan until I decided to pay the loan off, in total. I requested the pay off amount, and sent that amount in cashier's check immediately to the prescribed address. Two months later I had not received my title in the mail, as promised. I called and discovered that the reason why is I had not “paid the total”. They charged me interest on my loan after giving me the payoff total. They reported the small amount that was remaining on my loan for 3 months as negative, late payment for 30-60-90 days. The amount was between $100-200 dollars, and has negatively affected my credit rating.

I was approved for a new car loan 2 days out of BK. I responded to one of those advertisements from my local Ford dealer. Everyone approved. So I applied, thinking I wouldn't get it or they would try to put me into a 10 year old car priced above retail. Which I wouldn't of went for. So after filling out an online application. I get a call for the dealership stating "you're approved". So I told them on the phone, don't waste my time. IF I come down there if it's not the car I applied for I'll just walk out. Well I get there and at first they tried to put me in a demo car with 1100 miles on it. I looked at the salesman and stood up and said a few things. He responded fast, "No worries. Let me get a different car." Well sure enough, I purchased a new ford at 22.5 % interest. It was simple interest So I paid every two weeks adding $40.00 to each payment (paying biweekly saves a ton of money).

At first I was just grateful that someone would extend me a car loan fresh out of a bankruptcy; I didn't know I'd be selling my 'financial soul' to a loan shark. I signed up for a 5-year loan, but the way they apply your payments to interest, it will take me 15 years to pay off a car, that should be 3/4 paid down by now. ADVICE: Stay away! I've been in the process of raising my credit score so that I can refinance with an establishment offering a more affordable interest rate. If I wanted to pay $30,000 for a car, I would have picked a Mustang, instead of a $10,000.00 Kia. You've been warned.

I have been fighting with them for years to get a lien release. I was fully paid and they sent a letter stating as much. Still can't get a release and they actually tried to repo me. I showed my letter of fulfillment and got my vehicle back (after the repo checked with them). Crappy company that claims to help subprime (my credit is great now) but actually works toward repo with ** auto lots. Sign up for their "seller" portal. You'll see how they pay huge kickbacks to vendors of their services and bonuses to resell repossessions. This is a seriously illegal company. If not, then it's shady and acting on laws that need to be changed. Shade and **.

I had a car loan through CPS in 2012 on a 03 Jeep Grand Cherokee. I had subprime credit no one else would finance me. CPS was the only one who trusted me so I had to show this company I was determined to pay on time by any means. I paid extra when possible to cut the interest down and put income tax checks toward my loans. By doing this I paid Jeep off a few months ahead of time. I never had any bad experience with anyone at CPS. To this day I owe everything I have for CPS because without them I wouldn't have been able to get to work. Thank you CPS. You get 5 stars from me.

Set up auto payment and pay ahead or at least by the due date. This loan is a simple interest loan, you accrue interest daily. So, when you pay late your balance goes up. I have my loan in bi weekly payments and I've never had any issues. I started paying before my first payment was due and continuing. My interest is decreasing before of the advance payments. Learn more on simple interest loans. They can be very expensive if you don't understand them.

I have never applied for a car loan through them and fact I have not applied for any car loans since I got my car almost 2 years ago yet I have a new inquiry from them on my credit report from yesterday.

In April 2016, my minivan was flooded during the "Tax Day Flood". I was in Chpt 13 Bankruptcy, but needed to replace my vehicle. CPS the only bank that would finance me, with the Chpt 13 guidelines of getting a car loan. Yes it's a higher interest rate; Yes it's a simple interest loan; Yes if you do not pay in a timely basis, you accrue interest, even after your loan term is up. It is what it is folks. If you cannot make your loan payments on time, then you will feel like you're getting screwed, BUT you're not. The loan accrues interest on a daily basis, so you need to PAY THIS LOAN ON TIME, Consistently. If not, you will accrue interest. I do not like the high interest (near 18%), but that is the consequence of bad credit/bankruptcy. But at least I have a car. And I will pay off the loan on the "maturity date". I have my monthly payment deducted every 1st day of the month, by autopay. This is the way to pay these simple interest loans.

I have had several harassing calls a day for months and emails from CPS. I am 4 months behind. I live alone and I tried to tell them I am waiting on checks from my company. I explained that I am hospitalized due to a back injury and if I could defer my payments to help at least one they said, "No. We can't help you." They stated I need to make one payment then they will change my billing cycle, how can I make a payment with no income, I'm hospitalized and do not have anyone to borrow the money.

You call to ask a question on this company they hang up on you. You call back they hang up on you. Again they are very rude, discourteous and cannot treat a customer with respect. I call and speak to a manager. They act like they don't care and that they have no respect for customers and that they would rather treat customers like lower than dirt rather than being courteous to them.

I obtained a loan from CPS in March 2014 for a 2012 Ford Focus. The loan was in the total amount of 20455.00. I've been paying on this car for four and a half years and I thought the payoff amount would be around 9000 or less since this is a six-year loan... I was shocked to see that I still owe 19400! This means in the four and a half years I barely paid over 1K of the loan. At this rate It'll take me 30 years to pay back. Today I asked them to come take the car and I am trying to figure out how to fight them. This HAS to be illegal. How could I have only paid a little over 1K off the balance when my payments were 503.00 a month!

This company is a ripped off company. Don't ever use this company. I bought a truck from them. Make payment for six years $587 for a $19000 total financed. I argued with them after six years for my title they told me I still owed them $11000. I told them I will seek a Lawyer, that I already paid them too much money. They came and tow my truck and hide it. I have to meet up at a restaurant parking with a person to give me my personal properties that was in the truck. They don't want me to know where my truck is. I will not recommend this company to anyone.

Very rude customer services. Asked to file complaint. They kept calling me a female when I am a male. They won't offer a reference number for the complaint. Long story short it took them 1 month to tell the dealership and I that the loan would not get approved and I had no other options but to return the car. Know, without a car it will be tough on me to get to places or work.

I PURCHASED A 2008 TOYOTA CAMRY BACK IN JUNE 2015, WHICH THIS COMPANY FINANCED MY LOAN. I'VE NOTICED THAT A MAJORITY OF MY payments are going towards interest, with none going towards the amount I owe. At this rate I'll be stuck with this vehicle for another 3 years. Can anyone suggest what I can do to get this settled, if so please email me at **. I would really appreciate it.

In 2015 I purchased a new Hyundai Elantra. However, my credit was very poor at the time (around 517 FICO score). CPS was the only company willing to help me. My interest rate was 17%, but at least they were willing. At the time of purchase the finance office at the dealer set my payments up for the 26th of the month when I clearly told them I was paid on the 1st of the month. The only call I ever received from CPS was after the payment was not paid on the 26th. When I told them I was paid on the 1st, they moved my pay schedule to match.

I do not, repeat do not work for Consumer Portfolio Services. I got approved for an auto loan while being in year 2 of a 3 year chapter 13 bankruptcy. They were the only lender I could use. I purchased a certified preowned 2015 Ford Fusion. I immediately set up auto payments for $200 every 2 weeks when my regular payment is $298. I've not been harassed nor has any of my references. If you make your payments on time and set up auto payments you won't have a problem.

I used this finance company for a auto loan after a bankruptcy to try to build my credit back. I purchased a 2008 Mustang for $10,000 with 60,000 miles on it. The 2nd time I drove the car the alternator went on it. I brought it back to dealership. They said battery was not strong enough and replaced battery. Got it home and then the next day same thing. Took it back to dealership and they replaced alternator. Then a week later lost all power while driving the car. Took it back to dealership and when they had the code reader in the engine started smoking really bad and coming through dashboard. The dealership unplugged code reader and said nothing showed up.

I have poor credit and totaled my car. This is the only company that would give me credit. However I just realized I have paid $1,600 year to date and $1,200 has been applied to interest. My last payment was due on the 19th but I paid it late. Wow. $350 went to interest. I found this by accident, seeing if I was charged a late fee. It makes me want to cry. Reading the other reviews, I see how so many people are affected by these loan sharks.

If I pay ahead, my next required payment is less the full amount which sometimes helps me if I'm a bit behind one month. I've been ahead a few months and then lost my job so I didn't have to make a payment for months. Saved my payment history/credit score with CPS. After establishing a good payment record, I explained I had been out of work for a while and would be behind. They suggested they extend my payment date so I won't be late. I didn't even think of that. Now that is great customer service.

I strongly urge you to never use this company. They are going to rob you blind and then take your car when you have about five payments left without notifying you. We had less then perfect credit and were told that we had no other option but to go with them. The interest rates are sky high and they apply all your payments to it before the principal amount. We purchased a Nissan Sentra in 2012 for a little over 17,000. It's 2018 and we were to be finished with our payment in September roughly. Last month we woke up only to find our car gone with no notice and them saying we still owe over 11,000. Our monthly payments were that of a one bedroom apartment in a rural area. We have paid over 30,000. They are rude when you call and will not work with you for ANYTHING.

I set up recurring payments to confirm there would be zero issues. I still have had issues since my first payment. My 1st payment was returned, but never taken out. I called twice (in worry of all reviews I've read), telling them the money hasn't been taken out. Was told, "No worries, everything's fine." A few days go by and a returned payment letter comes. What! 2nd payment was now declined. Money's there, account number is correct. If I pay with a person I get charged a 3rd party fee. Wth. Why? This isn't my mistake! I don't know what to do. Any ideas?

Their customer service is garbage! Nobody knows what the next person did, so you always have to repeat things. They either lose or never get the information you send them, of it's more than once. They harass people you know when they can't reach you, even if you give them the specific times you are available. They are simply not the easiest route or logical route to go through. When I left the car lot I was told they had everything they needed, days later I'm being harassed and highly annoyed. I have set up autopay since the day I drove off so they know they will get $ yet they still are tediously calling. Gave my bank/payroll statement already but they call for it like every day! This company is just not competent, AVOID AT ALL COST.

I have been dealing with this crazy car loan for about 3 years. Anytime I change payment, even if not late, they get mad. Also, I am behind so called to make arrangements to make current and 'Sheree' was super, super rude!! Asked more questions than my mortgage company does saying, "Well why can you pay the next 2 wks instead of 1 month," etc. I've had 1 person at this company treat me good. They shouldn't be in business! Next phone call I am recording!! I have several 'normal' loans and they do not treat me rude or with disrespect! No matter how bad you want a car, don't go with this crazy company!!!

I have had my car for over 2 and a half years already. Didn't have the best credit when I bought it and this was the only way I could get a vehicle. In the time I have had it I made a few late payments the first year. Harassing phone calls non stop. No late payments since and family and friends still get calls harassing them. I have also paid 36 payments of $384.99. That's $13859.64. For a $14275.34 loan. And yet after 36 payments I still owe over $9000.00!? I get there is interest to pay but even with the $5047.80 already paid in interest it should still be lower than over $9000.

I purchased my 2016 Corolla in October 2015, I went to trade it in for a newer vehicle and they tell me I owe more than what I purchased this car for... How does this happen??? This company is a rip off and now I will never get out of this loan. Even when I tried to refinance it through a different company they told me I owe 230% over what my car is worth... Something needs to be done with this company. They are taking advantage of working class citizens who work hard for their money. I am officially going to find an attorney to check into this corrupt company.

I purchased a 2013 Nissan Cube from a Nissan dealership back in 2014 for a good price. CPS was my loan provider and, for a while it appeared as if they offered great service. However, recently my car was almost repossessed by them because they reported I was 5 months behind on my payments. I challenged them on these accusations by calling out my confirmation numbers on payments that cleared my bank account from September through December. They came and took my car and upon further review, they finally admitted they routed my account to the wrong department. I only had to reinstatement fee to get my car which I do currently have right now.

I bought my car in April 2016, they didn't actually make me make a payment until August 2016. It was 10 percent interest rate. After a year I decided to trade it in and when I got the pay off balance it said I owed almost as much as I financed it for with no reduction of payments. I kept the car because no one would take it as a trade in because I owe to much money on it. I tried again this weekend and I again I got the pay off and it was 1400 more than it was last year. I called and they told me I missed a payment, I told them no way because it gets deducted out of my check, they argued with me, telling me that was not true and that I missed 3 consecutive payments. I have proof through my paycheck that I did not pay late. No one will give me even close to what I owe on it (Kia Soul). I will never ever get financed through them again.

At first while making always on time payments and paying more towards the monthly payment I noticed the interest going down and more going towards the principal but then I’ve noticed the last two payments out of nowhere the interest went up tremendously after 7 months of completely on time payments. I HAVE NEVER BEEN LATE NEVER! Everything was fine the first 5 months and then this! They have been sued for doing this to people and I am already looking for an attorney. Anyone that wants to join me can let me know. I’m done with this company. I will never get out of this at this rate.

I hate this ** company. Don't get a loan through them. They take more than half your loan payment every month and pocket it. Then apply to the balance of the car loan you truly own. It's hard to refinance your car (which they don't offer of course) loan. You're several thousand over what the car is worth (I tried) and you'd have to get gap insurance which increases for car insurance monthly...to cover your car trumped up worth. You can't pay online for a current month (on same day). It has to be set up a month ahead or suffer late charges which don't reflect the same on their automatic call in service which is another $12 charge which they claim from a third party which collects and the recording will tell you they get a portion of the fee as well. Greedy...these are "loan sharks".

This is a looney tune operation here. They lose checks and even lost a check from my insurance adjuster. They don't return calls and love to ** you of your money. I would not know why anyone would even attempt to ask these crooks for money. They take their sweet time reporting to the credit bureaus. Please DO NOT USE THESE CRIMINALS!

I have been dealing with this company since 2014. I find them very flexible and easy to work with. I have had a situation where I changed jobs and had was able to get them to change my payment due date. When I was out of work for a whole month due to being sick they gave me a deferment. The things is if you even suspect you’re going to be late call them before the due date. If you’re having problems making a monthly payment they will accept bi-weekly.

This company is a fraud and will ultimately wind up hurting you. I was solicited by them and provided all necessary documents and was sent a finalization and approval letter. They had me pick out a car and insure it and told the dealer they were overnighting a check. Never happened! I also had sold my used car (after I was told I was approved). Out of nowhere I was told I was turned down for lack of proof of address! The home is on my credit report and I supplied a utility bill that they verified!!! I was left with no car and they refused to take my calls or call me back after numerous messages. STAY AWAY. YOU HAVE BEEN WARNED! Just look at all of the other reviews.

I just purchased a car from LAcarGuy one week ago. CPS called all my references yesterday which I don't have a problem. The issue I'm having is that I have drove off the lot with this car and now they're coming up with some ** saying they can't finance my car now. What kind of company is this running. I called the dealership with the information I'm getting from CPS and they are telling me the that CPS hasn't told them that and if so they have another finance company for a back up but it's all a **.

Only $21.20 was applied to the principal of my loan for this month. I paid the balance of $125.64 for the month of April 2017 - but then CPS demanded another $100 stating the payment was not complete and late. I had paid an additional $100 in March. I want this matter to be reviewed by someone who has the authority to make decisions. I am being misused and this practice is unfair. My money should not be going only to interest. What kind of company/business/organization is CPS? I needed a loan to purchase my vehicle and I agreed to this high interest and I have made my payments. But this practice of claiming almost all my payment to interest is an outrage.

My husband lost his job in Dec 2016. We could no longer afford our vehicle thru CPS so I ask them to come and get it. Today is 4-15-17 and this vehicle still sits in my driveway with no payments made since Dec. 2016. CPS continues to send me letters offering to defer payments which I decline. I can't afford the vehicle and deferred payments are only going to increase what I owe in the end. CPS sends me a letter telling me they have given me a due date change as requested. Problem is I never made such a request.

I purchased a 2013 Dodge Challenger through a dealership where they had got me approved through this company. I put down a great amount of cash and drove off the lot with my brand new car. A month later I receive a call from the dealership stating that they will have to find another bank to finance my car because CPS decided not to go through with the loan because one of my jobs wouldn't be considered a real job... you talking about highly pissed. I'm like first off why a whole month later. But after reading these complaints I'm glad that it didn't work out, this company is a piece of **, and not only did they do me like that, the dealership stated that they have done tons of their other customers like that. This shouldn't be legal at all. I recommend nobody to use this company for financing. I know sometimes we get happy just to be approved and often take what we can get, but this company is not the one.

Was trying to buy a good used vehicle from Erwin Chrysler, Dodge and Jeep for my wife and these guys ended up being the finance company that came through with the best APR, term and monthly payment considering our credit isn't the best after hitting a hard patch a few years ago. We put down a pretty decent cash down payment, everything was good, or so we thought, and we drove her 2010 Jeep Grand Cherokee off the lot. A week later, CPS calls and wants my past 2 years W-2's, cancelled payroll checks for the pay stubs I gave the finance guy at the dealership and a signed 4506-T so they can view my tax returns.

We have been with this loan company for 2 years. The moment you are an hour late with your payment the interest rate goes up. Whatever payment you make all goes towards interest, hardly any payment goes towards your loan. We set up automatic payments that never went through on their end. Don't know why this system doesn't work but don't bother trying. Trying to talk to their people is a dead end. Nothing but rude, arrogant individuals. You have a better chance of committing murder and getting away with it than having them work with you towards your payments. If you have another loan option take it. Do not go with this company. You end up and triple of what your car is worth or what your loan was originally written for. BUYERS BEWARE!!!

I bought a vehicle while in a ch. 13 (reorganization) and so I felt like I was lucky to get what I could get. I've been paying more each month - like $100-$200 more than the $263 payment. Instead of applying the excess to the loan principle, they apply it to the next payment. So here in February of 2017 I don't have a payment due until November, theoretically. But the idea of paying more each month is to pay down the principle. CPS says the fine print in their loan document does not allow for "early payoff". In addition, when I get my payment coupon each month - they don't give you a book, they send you a bill each month, which is MUCH less cost effective - in large bold letters at the top it says ACCOUNT OVERDUE and in the column next to "Past due amount" is what they tell me the amount I've paid into the next payment. None of this makes any kind of sense and blasphemes the very nature of corporate ethics.

Ok to start off I've had nothing but problem after problem with these so called people. I called to pay off my loan today. Before I called I requested a pay off amount online. When I call the price was totally different. She said they charged me 215 in interest from Feb 19 to the 21. Wow that's a lot. Then she told me I needed to pay all of it and only on the phone which I would of has to pay 12.50 twice. That's ridiculous. They have always been very rude and unprofessional with me. They say one thing and do another. Back in July the lady processed my payment 50 cents short. They called and yelled at me like it was my fault and like I never made a payment at all. I'm so glad to be done with this pathetic company. I would not send a cockroach them. Thanks for the rip off. Also do not use Hollywood Motor Company. They are the ones who got me in with CPS and sold me the car that had nothing but problems from the start...

Ashley and Eileen in customer service - We recently used this company for an auto loan and it was complete chaos. Firstly, their customer service reps are extremely unprofessional. The supervisor "Eileen" is the most passive person I've spoken to there out of FOUR reps. She had the highest title. The company is unorganized and claims they could not confirm my employment. However I answered the monitored and recorded phone call in which my employment was verified. The company also stated I had no proof of insurance when I use AAA and had to use the insurance on the new car I have just last week from a blowout. I have been a gold card member with AAA for 8 years. Not that hard to verify. Not at all. Anyway, if you can avoid using this company I highly suggest it. They're extremely unorganized and unprofessional.

Hi. I was wondering if you can help me. I have a 2012 Nissan Sentra S. I did not pick this car. The deal told me I had to come up with more money. After putting over fourteen hundred down they said to get something else. I would have to come up with another grand so it's two and half years later and I can't trade it in. No one wants it because I owe so much. I have kept the payments up. Now I'm forced to a repo because they won't lower the payments.

I missed a month because of some personal reasons and before I realized it, I was already 30 days past due. The second bill came in and I was like oh crap. Anyhow, I said, okay, next paycheck I will play catch up. Nope, I get the infamous 1-800 call. Actually, I think their number was 1-888. Anyhow, the guy over the phone explained that I was 2 months past due, and I said "I know. Can I pay next week on this day?" He said sure. He then said he will extend my payment date out so I won't be late on this second month. He took my debit card info and it was as simple as that. He did inform me to make sure the funds were there, if not the file would have to leave his desk and there was nothing he could do at that point.

Back in 2006 I bought a trailblazer through cps financial. I bought one car but I paid for 2. I had down payment and trade in. My payment was 560 a month. Was never late with a payment. I was so ripped off. I found out they are a 2nd financed company. You can't be late with one payment with this. I want some of my money back. That's horrible and they treat you like crap.

My bankruptcy was discharged last month and some money is owed on my 2009 Volkswagen Jetta. I was planning to pay off the car in full using money from a legal settlement I received and then pay cash for a new car. Since the discharge, I have not received a statement or any mail from CPS or any calls from them with the total amount owed. (FDCPA violation?) I made sure that my contact information was up to date so that we could get in touch with each other. Today, they repossessed the vehicle at 4am. I was not even given the opportunity to pay them since they wouldn't tell me what is owed. They just took the car with no conversation at all. I have the funds to pay off this car but now there's a repossession on my credit report so I'm really not motivated to give them anything. The car needs about $5000 worth of work and the check engine light is on. I believe that there's about $3200 owed.

Like everyone else. Making payments on time and my balance still does not seem to go down. I was 50 short on one payment and made arrangements to pay it and they still called me like I hadn't paid them anything. They should be sued and hung out to dry. Terrible way to do business. Might as well file bankruptcy because that may be the only way out. Smh. Please don't do business with this company.

My husband and I financed a vehicle through Consumer Portfolio Services post bankruptcy. The interest rate for the auto loan was absurdly high, but what other choice did we have at that time? A few months later (and not one single late payment made), we decided to trade in our vehicle for a cheaper one with a bank that offered lower interest rates. We informed CPS that the vehicle was traded in and that the dealership would be paying off our loan within twenty days. We maintained proper communication with them to avoid any damaging late payments on our credit report. My husband then misses a call from CPS. When he returned the call, after being transferred multiple times, he ended up speaking to a woman who demanded that he give her his social security number. He told her that he did not want to give his social security number, and she continued to insist that he do so.

I have been around the world and back with this company and I am so tired of them! Never once have I heard of a company charging a $300 late fee on an account that is only a few days late or harassing customers every day after a payment arrangement has been set up on their website! This is ridiculous! Please do not do business with this company. They are a rip-off! The interest is awful which has sent the payoff to the roof and now I can't get the vehicle financed through another lender. No one will touch it! I've had my car 2 years and it seems like an eternity already! Please exhaust every opportunity before going into business with them! They are not worth your time and energy! I only regret not reading the reviews before I decided to go into business with them!

This place is horrible... PLEASE DONT DO BUSINESS with them!!! They are trying to charge me 30K for a 14K car that I've paid 18k to. They were sued for doing this before and I think they should be sued again.

I have had my car for 9 months now, and was late on a few of my payments, but on time with a few, I ask for a deferment on my last payment and they faxed me a paper stating my last payment maturity date would be due on August of 2021, I brought it to their attention and they said they couldn't see that on their end. I told them I wasn't signing it until it's fixed, I was told if I didn't sign it I would be in default and they would repo my car. I said I will circle it and and send it back to them, but I am not agreeing to that maturity date. After reading these reviews I am getting worried. I can't afford to lose my car. But I hope someone steps in to investigate this company, I cannot believe they are allowed to treat people this way. I am trying right now to get refinance by someone else but nobody want touch it, I am thinking I have been hung out to dry. Help if you can... God bless all my brothers and sisters of being financed by them...

I have been harassed repeatedly by this company. One guy called and had me in tears with his rudeness. I explained to him why I was late with my payment (my husband was hospitalized and with him being retired I am on a fixed income) and he started yelling at me stating that I need to plan better so that I can make my payments on time. My balance never seems to go down. The balance was originally $7,000 and after 2 years (yes I said 2 years) it is 4,378. My payments are 322.73 a month for a 2006 Mitsubishi Eclipse. I hate this company so much!!!

After reading all these reviews on CPS I am fearful that I have made the wrong choice by getting financed through them. After months of miscommunications and late payments due to this I am afraid I have no options at this point to get away from CPS. If anyone has any recommendations as to what I could do to help please email me **. Thanks in advance.

Went to a local dealership to purchase a car I had my eye on for a couple years. Had tried getting this vehicle and was denied at least three times. Finally, in 2014, I went back to the dealership I had previously did business with and was able to secure the vehicle I wanted with CPS, Inc. as the finance company with a 24% interest rate.

I have been financed by them for about a week now (16-June-2016) and it has been a real mess with these guys. This is for an auto loan by the way. They wanted proof of income so I have given them my pay stubs for the last 3 months along with my wife's and that wasn't enough. They called my wife's work and asked if she worked there, they said yes, but called me and said that the company had fired my wife for a while now... I said I have a pay stub from yesterday, he asked to email it. I did and he calls them again.

I purchased a vehicle in 2011 for 23636.00. I paid $2000 cash down, financed 21,636. 60 payments later I was told I owe over $8100. The way they moved money around on my account was unbelievable. After 6 phone calls and told I was sol. I traded the vehicle. Got a 10 day pay off from them. Dealership paid them and now they are asking for more $$$. Do yourself a favor and never do business with these people. Karma will get them or the gates they think they are headed for is actually a trap door to a hot place.

I just paid off my car with CPS. Financed in 2012 with CPS for 18,000 loan. Added up total payments and I paid 28,000 total - over 50% interest and this makes me sick. Seriously feeling ill because of this. Car is only worth about 8k now. If there is anyone who has advice on how we can see how this is even possible I appreciate it!

Repoed car. Won't tell me where my personal belongings are after they snuck up and took it. Just want my stuff, been almost 3 weeks. I call, email and text 5 times a day to be put on hold for 30 minutes at a time.

I was called by them and the way they talk you gets you mad as hell. So what I did was I started talking to them the same way and told them "I'm coming to your office the payment and I'm going to have it in my pocket and it's going to be in a check and I would you for you to reach in my pocket and take it from me and I'm on my way." And when I got there the doors was locked and called the police and they never opened the door for the police because no one was there. It's just a office and it has their name on the door and everyone works from wherever home or in their car. No one's ever in the office.

My first time financing a car. Bought my car 7-18-15. 2012 Honda accord 13k. All my payments were made before the due date. They deposited my Oct payment (money order) on Sept 24th. For some reason I was told that they hadn't receive my payment, I was told that they researched the money order # but it wasn't in their system. No one ever called me to update me of this, after paying fees and countless calls to Western Union (whom I purchased the MO from) I received the photocopy with an acct # on back for Bank of America.

I purchased my vehicle on Feb 19, 2015, from a local Kia dealership. I traded in a 2008 Sorento which I had some negative equity in. CPS will not work with me on the payment date even after being told I get paid once a month. I am having a medical issue with the car which started 2 months after buying the car. At first I just thought it was me adjusting to the car. I am petite and driver's seat is causing my legs from my knees up through my back go numb. I have Spina Bifida, which is a birth defect and this car is aggravating it.

This company is full of **. I bought a car with them back in May 2013. My car loan was for 14,440. I been paying my car note but I now owe 11,330. It's like my payments are going towards the interest and not my car. This company sucks **. Is there a way to get out of this loan with this company? I need to do something. They harass you and is no help at all when you maybe late in a payment. No understanding and help to their borrowers.

I bought a car through a car dealer who ended up selling me a lemon. I ended up just filing for bankruptcy since I was now stuck with a car that is gonna cost more to fix than the car is worth. I got the car on March 18th 2015 drive a week before it started acting up and it's been sitting in my driveway waiting for Consumer portfolio services to come repo the damn car since it's now the end of August. I've contacted them many times trying to get them to come get the car I'm no longer liable for and I've never even paid 1 payment on it ever! Any ideas on how to get them to come get their car??? I hear all these stories about the repo man coming but I can't seem to be so lucky.

Never get an auto loan with this company. The interest rates will have you paying off on their loans for the rest of your life. This company is a rip off and they’re very unprofessional, and it don't show that your payments were made on time on your credit report.

I prefer to estimate the monthly interest charges, particularly since we are adding extra to the payment. I estimated $191 for this month and was charged $205. Fifteen dollar difference is significant! I do not have a problem with one or two dollars, but $15 is outside of reasonable. I have emailed a request for their formula used in calculating this period's interest. CPS has previous judgements regarding accounting irregularities, and it appears they are back to using "funny figures." If you don't know how to calculate compounding interest, google it. OK, not the easiest formula but a spreadsheet will help.

I am the Power of Attorney for my Dad. Everything was fine until my Dad became ill, and is now in a rehabilitative/nursing home. Anyways I asked Toyota for a two-month extension and even though my Dad is gravely ill, they refused. I have been trying to make payments and have made a few this year. I asked for an extension, due to my Father's illness and my lack of hours at work, but they refused and did not give me a reason! Now I said I could make a payment Friday, but they were threatening to repo my car. I have tried to make payments and get one extension, but they will not help? What is my recourse? What else can I do?

I financed a car with CPS. Had the car for 1 month. I got a call from the dealer saying CPS returned the loan and would not finance it, that I needed to return the car. Well I contacted a lawyer and found out that was not true. CPS was already on the title. I have had the worst experience dealing with them trying to get the title corrected. Each time I call them I get the runaround. Today I got a lady who told me they didn't have to correct it. Once I told her the Secretary of State advised me to contact them she was RUDE as hell saying I was trying to get a free car. Well I let that rude ** have it. I also sent an email to management; not sure it will help because this company is all about FRAUD! Even after being fined they continue their illegal practices. Run if someone offers them as a finance company. It's not worth the hassle.

I had a vehicle loan through CPS. When I lost work they would not do anything to help me keep the car. Per lawsuit my "account" was supposed to be forebearanced or expunged within 90 days. Here over a year later it's still being reported and hindering my credit.

I got a 2013 Chrysler 200 in September of 2014 and was financed through them. I have made payments but to my surprise they are lost. I got behind due to a work related issue. I was given an arrangement of $700 and the two months added to the end of the loan. To my surprise when I made the payment it ended up being a transaction OUT OF THE COUNTRY. My bank froze all of my finances and I had to reorder new bank cards and everything. When I called them about this I got no answers.

I purchased the car a month ago. Everything was approved! I got the welcome call telling me congrats and when my payment is due and all that. I get a call today from the dealer that the bank has denied my loan and have to return car. The finance company couldn't give me a legit reason on why. I'll never finance a car through them again.

I bought a 2008 Chevy Cobalt and when the first payment was due I didn't know where to send the payment. I contacted the dealer and they told me CPS was suppose to contact me. When I called CPS they were rude and they tried to charge me a late fee for THEIR mistake on my first payment. The times I did fall behind for legitimate reasons either they had an attitude with me or I noticed if they are trying to be nice they would say "We can't help you if you don't help yourself", and I heard that from a few different reps. Just to see if my payoff would go up I called 3 different times and it did go up all 3 times.

I am writing because Consumer Portfolio Services sold my vehicle years ago in 2007 and have continue to call me after it was purchased by another. I don't know if it is a sick joke of theirs, but we are in 2015 I have no vehicle from them in years and they call me and contact my work send harassing people in suits to go to my work and want to speak to me. I don't know why this company has a thing against me or what, I was not even on the title of the vehicle...

I recently had a change in my pay date. I contacted CPS to advise them payment would be late by 10 days and I would be paying back to back 2 months. The woman ** was obnoxious and so rude! Stating she knows how companies pay and I'm just making this up!! I CALLED them, they didn't have to track me down! Woman demanded I borrow the money, refuses to give me the corporate headquarters number. When I ask to speak to a supervisor ** takes the phone was no better than the first! Red flag is when you call their customer service number the greeting starts out with "this is an attempt to collect a debt". I got a car loan through a debt collection agency!!!! When buying a car BUYER BEWARE DO NOT ACCEPT CPS, inc as your lien holder! You have other options trust me! No matter how bad your credit is, DO NOT ACCEPT CPS, inc!

I am financing a car through this company, a 2013 Dodge Avenger. l have arranged for the payments to come out of my check weekly. I'm getting a statement saying I'm behind, Why? Where is the money going??? It's not right.

CPS is a company who rip off, interest rates on loan more than the car itself, Making it harder to pay off. Paid about 2,000 already which was interest and principal - nothing toward the car which was 12,000. When you're a few days after the first of the month, bam - the calls start every hour to every half hour, they call family members and friends. They don't want to hear nothing, so I stop answering. I'm never going to pay this loan off at this interest rate, especially when all money is going to interest not the car.

During the first two years with Consumer Portfolio Services my payments have been on time but due to recent setbacks, my payments have been on time or within 30 days. Since that time they started calling my phone daily up to 8 times a day, but only leaving a message one time. They are doing that so that won't get accused of harassment. They are calling my work and calling my personal references looking for me. I was getting pissed at this company. They are very rude on the phone. They even threatened to come take my car if I didn't make a payment. I wasn't even 30 days late.

I fell behind on my payments & called to make an arrangement with them after they called me 10 times a day from the 1st day I was late. Made the arrangement for them to take the money from my account which they did not do. They called threatening me when THEY were supposed to debit the money. "They had no record of the arrangement." After getting that straightened out & paid they tried to charge me over $100 in late fees for their mistake. The next month they added them to my bill.

I am making payment on a Pacifica that was not a good car to begin with. The gas tank was never fully bolted down and could have started a fire or explosion... When I make payments, they all of a sudden don't have the payment but the money is taken out of my account... I faxed the evidence and they are still telling me I didn't make a payment.. I am about to drive this piece of crap into the river.. Then when you pay they have the nerve to charge $12 or more dollars to process the payment online which is a ripoff.

We called to report we refinanced our car loan. I told them about the pay off plus paying 5 extra days. Told them the name of the new bank and everything. They keep on calling everyday and harassing me for the same information. They have someone new calling everyday.

We purchased a car in September of 2012 with a loan of $17,900. After 2 years of payments totaling $14,800, our payoff is $17,800. How can you pay that much in a two-year period and still owe what was financed... When I looked at what they applied, less than $800 had been applied to the principal. The monies had been applied as interest & late fees. Yes, we were late a couple times but this is still ridiculous! To put more salt in the wound, we ran a blue book on car & we're $10,000 upside down. At this rate, how could anyone ever pay it off!!! We can't even sell or trade it in and it isn't putting brownie points on our credit either. Consumer can't give a reason nor a satisfactory response to our inquiries.

So my wife and I went through a ton of financial issues and our credit was banged up pretty bad and a couple yrs ago we had a car totaled, not at fault. Long story short she needed another car so I traded my truck. That I owed like 4000 on so dealer said to me, "We got you approved on. 05 Touareg." "Ok, cool," payment was more than I wanted but whatever she had a car. Come to find out the car should have very been sold in CT because it didn't pass emissions . So I had to put a ton of cash into it which hurt my cash for bills. Fell behind on payment to cps, asked for a extension, they made me pay a fee of 50 bucks to move my payment day which was only two week away since then everything has been screwed up. They have overdrawn my account, they call all the time, very rude on phone and are just flat out **. I tried to work with them but they are just out to collect, collect, collect. Think they should have stayed in the collection business and left the people on hard time alone. I wish I could run to a few of the people I have spoken to there and see if they speak to my face that way!!!

They contacted my parents because I was late. Extorted money from them with threats of repo after 30 days late. Start calling me with weird phone number and threaten my wife when she is not on the loan.

CPS has done nearly all of the following to me, which, by the way, CPS just paid a $5 million dollar fine to the FTC for admittedly doing: According to the FTC, Consumer Portfolio Services: misrepresented fees owed in collection calls, monthly statements, payoff notices and bankruptcy filings; made unsubstantiated claims about amounts owed; improperly assessed and collected fees or other amounts; unilaterally modified contracts; failed to disclose financial effects of loan extensions; Lied to consumers about payment methods and service fees; lied about verification of consumer accounts balances; disclosed existence of debts to third parties; called consumers at work when not permitted; repeatedly called and harassed third parties; made unauthorized debits from consumer bank accounts, falsely threatened to repossess a vehicle; manipulated caller ID.

I have never heard of this company and I have never dealt with them for anything. However, on my credit reports there is a negative report showing up where I am supposedly paying them money each month for a car. I have no idea what they are talking about and I am getting ready to report them to the FTC and BBB.

I had a 2006 Jeep Grand Cherokee which I traded in for better gas consumption. I wasn't told who picked up my loan or was given any information of the loan company during purchase except that they would be sending me a payment book etc. This was October 2011. As a perk for purchasing through this event I wouldn't make my first payment until December. December passes I get nothing! I'm in frantic panic mode trying to contact who I could. Finally was able to and the lady was incredibly rude! And I swear I heard kids screaming in the background as if she was working from home. I began to get curious about this company and did some research. What I found frightened me.

PREDATORY LENDING PRACTICES - READ!! My loan was set up in 2008. I made 100% on-time payments (not 1 30-day late reported to credit bureaus in 6 years. 72 months.. on-time payments). WELL.. when you are falling behind they offer you a program option where they take a payment and "add it to the end of the loan". I was told you can only do this 3 times which I did in 08, 09 and one in 2011. All at 400 each.

Bought a car from Darrel Walltrip and they went through CPS to get me financed... They did not send me any info about where or how to make my payment... My first payment was suppose to be due 08/12/14 and they came and repo my car six day after my payment was due and me not knowing where to make a payment...

In 2007 I purchased a 2004 Jeep Grand Cherokee. I had just had closed a bankruptcy and was told this was going to be good for me. The dealer had me put up my classic Honda 900 (only on paper) for a deposit, and insisted I give postdated checks. (Not Legal to ask for in my state, but I was desperate). Within 6 mos, after my husband was laid off, I realized we could not afford the vehicle and I tried to voluntarily surrender it. I was told to try and keep up the payments. So I did continue and shortly after fell behind. A collector called me on my way to work and I explained that my husband was doing a roof and we would pay the vehicle by Saturday. (This was Wednesday) This was unacceptable and she was arguing with me. When I told her I was going into work, I couldn't receive calls (I was a collections rep at the time, and had been for 10 years), she told me that was unacceptable, and to get the car ready for repossession, which I did. My husband was subsequently paid for the job and we bought a truck over the weekend.

Even though I made my payments on time, CPS shut my car off 4 times by "mistake". Twice while I was driving on the highway. Had a family emergency and asked for a deferment (when I only had 6 months left on my loan), they APPROVED the two month deferment. At the end of that first month, they repoed my car. When contacted (the next day), they apologized, told me they would return my vehicle. The second day of no car, I contacted CPS again just to be told that they did not know where my car was. Third day, I once again contacted CPS. They told me my vehicle was 150+ miles away being sold at auction that very Day!..

Bought my car in 2005. Have been on TTD for 6 months now due to a knee injury I got at work. I am waiting to get the knee surgery I need approved by workers comp so I can heal and return to work. Made my payments for the first 3 months but wasn't getting enough income and kept falling behind with all my bills. Have 2 kids at home so the only thing I could do was to stop making payments on my Car. I haven't been able to make a payment for like 3 months now and they've been calling me and pretty much threatening me to repo my car.

I hope CPS goes out of business ASAP. I am super pissed this ** company picked my car up. I'm stressed out because I paid these fools $24,000 over a 6-year period and they took my car for 2,000 dollars saying that they need the full amount. I'm currently unemployed and have no way to get my car back. This company is horrible. All they care about is money. They have horrible customer service and I'm going to file a lawsuit against these idiots. They called my previous employer, hung up on me, and discussed my business with my reference. They get an F- from me because they horrible. They repoed my car. Now my credit is worst off. I'm so upset and I recommend you do not ever finance through them. They will rape you and overcharge for a car that's not worth it. ;-(:-(

This company should not be in business. One particular representative tried to contact me at my place of employment without contacting this writer first. I did finally talk to this representative. She was rude, demeaning, demanding and insulting. She threatened to have my car repossessed when I was not even 30 days behind on this payment. I have had my vehicle for 16 months!! And I am current with my payments. This representative resorted to bullying tactics, and wound up shouting at me. Upon contacting this company, I made it clear that I wanted to talk to this representative's supervisor. The supervisor was approachable, concerned and very willing to work with me. An arrangement was agreed upon in which I was able to make my car payment. I will continue to make my car payments in a timely manner, and will maintain a close accounting of such payments, BUT I WILL NEVER RETURN ANY OF THEIR PHONE CALLS AND BE SUBJECTED TO THIS FORM OF HARASSMENT AGAIN!! It amazes me how this company gets away with these tactics, which are UNLAWFUL!!

The reason they want you to change your due date is so they can charge you additional interest. Also, once you change your due date, they will never change it back... I tried and they won't let me. This company makes money on additional interest charged every month and late fees. I have a car with them and am FINALLY almost paid off with them. I advise you to pay that car off as fast as you can. That way they can't make any extra money off of you. And trust me, their harassment of you has just started. Change your number if you can! I posted a Ripoff report on them and they even harass people via the internet. They hire people to write online rebuttals to online complaints.

I promised to make a payment with a check because it was late. I gave them 1 check number. They processed the check for 2 payments, even though a second payment was wired in cash. The 2nd check overdrew the account and I was charged $25.00. I asked CPS to credit my account and they refused, stating that on the recorded call I authorized them to use the check for both payments, and I did not. The second payment was due on a pay date and I paid them, as I told them I would. They are liars and thieves.

I wasn't sure that I was the only person who was treated this way by CPS. I have asked them not to call my work and they do any way. One rep called my work one day when my payment wasn't even late, and I asked her if I could call her on my lunch because I could not discuss personal information at the moment. She hung up on me! I was shocked. They also broke confidentiality. They called my dad and told my dad (who does not know my financial business) that my car was going to get repossessed. My dad called me and was in a panic!!! I do believe it is against the law to share my personal information other than anyone but myself - the account holder.

I was a former employee of Consumer Portfolio Services and give you the insight into why the representatives respond the way they do. First, they are required monthly to obtain payments for 97% of the accounts allocated to them. If not, after 3 mo. of not adhering to 97%, the rep will be written up and have the possibility to be terminated. Second, most of the individuals I worked with were single mothers who depend upon their bi-weekly pay checks. Third, the management utilizes these individuals and requests unfair monthly quotas. They keep daily trend indicating where each rep is positioned; if not positioned where they think, the supervisor begins to stress the rep. Fourth, the loan originators don't check ref. phone #s and only want commission. Therefore, the rep must req. skip packages and try to seek the customer, who may be past due. In conclusion, believe me, reps don't want bother but they are under extreme stress and only receive $50 bonuses for their work.

I had a Ford Edge financed through them in the fall of 2011. I have never been late on a payment but yet CPS has been harassing my daughter and myself with unnecessary phone calls. I have no idea how they got my daughter's cell # but have been calling it, my work and cell # nonstop, all just to offer me a due date change on my loan. Why would a company go through that much effort just for a due date change? When I declined the due date change (my loan is perfect just the way it is), the finance manager, Torie, got annoyed and extremely rude, telling me that she was going to schedule a call back in 5 days and if I didn't make my payments on time, she was going to call me back.

I have been harassed constantly by Consumer Portfolio Services. I requested a payoff, so I could pay off my vehicle. The payoff I got was good for 10 days. They were mad and told me a different payoff. Thankfully, I had printed off the payoff and they got caught in a lie. They were very rude and very unprofessional!

For more than five years, we've been dealing with CPS ridiculousness. Over five years ago, we had my husband's car "voluntarily" repossessed meaning. We turned the car into them. When we gave them back the car, they sold it at an auction for dirt, leaving us with nearly most of the loan to repay despite not having the car. Ever since, we've been making payments on time monthly for over five years, paying for a car we don't own. At one point, they were calling my husband's family's homes, my relatives, and they even tracked down my work number because when you log onto their site, they track your IP address - beware! If you don't want them to harass you at work, do not log into their site at work because they will link the phone number through the IP address registration to your work phone number.

Today I received a call at my job from a CPS representative, Chantea (I believe that's what she said when I answered the phone and she stated her name and where she was calling from), regarding the payment that I was supposed to have made last Friday, 10/12/12, based on an agreement I supposedly made to try to catch up with my past due account. I did not make such agreement. I called and spoke to a gentleman. I set up an agreement for one payment that was past due and the other I asked if I could get a deferred payment agreement, allowing me to place the extra month at the end of the loan. He informed me that it would cost me $50 for such agreement and he has submitted my request, but it is pending approval.

On 9/25/12, I received a call from CPS from Robin, who I had been dealing with since April of 2012 whenever there was a late payment (my payments have never been 30 days late). It would seem as though Anthony (manager) authorizes the operators to be unprofessional with the consumer. I spoke with Robin. The conversation got heated as she felt like it was her business to know my business. As I informed her that I would send the remaining balance the first week of October, she said okay. Her manager called me back after I hung up in Robin's face, threatening me and speaking to me as though I was his child (unprofessional) on the 28th at 4:49 pm, 10/2 at 10:24 am, 10/3 at 8:21 am, 8:27 am.

The company's representatives talk to everyone like dirt. I thought I was the only one until I decided to look online to see if anyone else has had a problem with them, cursing at me and my wife and threatening to repossess the car after a day late on a payment. They threatened to report my car stolen when I was not even a month behind. Not to mention while I was in Iraq defending their freedom, they were treating my wife like complete trash. They repossessed my car today, after I had just put a new transmission in it, catalytic converter, water pump, etc. In less than a month ago, this repair cost me $2,000.00 and made me late on my car payment as I did not have the money for that kind of repair.

Consumers Portfolio Services threatened to repossess my Pontiac G6 in August 2011. The car sat in the driveway with no tag as instructed by CPS stolen in December 2011. Due to lack of reposition of car when they knew the car was in the driveway and stated that they came out and saw the car in the driveway and did not take the car, I should not be responsible for the car being stolen and/or any unpaid amount due on the car. State Farm (Patrick **) when contacted me, stated that he shared the same information with CPS and asked if I want to close the claim. I told him no, he would have to see what CPS wanted to do. Since he stated that they had more of an invested interest in the car than I did, I asked him who was he working, with me or them, at that time. Patrick was working with Richard ** of CPS. I tried working with them by paying half payment each pay and CPS would call threatening to take the car. CPS would call 3-4 times a day.

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.

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.

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.

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 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.

In 10/07, an auto loan was taken out with CPS. In 12/07, due to several harassing calls to family and friends before the payment was due, I ceased all communication with the company via mail, except in writing. On 12/09/08, unknown male (said he was Tim) contacted my mother (Terri **) and advised her my truck note was behind for 3 months, to at least make one payment of $494 and must be made that day to stop repossession of my vehicle. A past due amount was given for $1,800. At this time, Tim advised my mother that he was willing to work out a payment arrangement. Tim was advised that she will talk with me. On 12/10/09, Tim called my mother back to follow-up on a payment arrangement. Tim was advised that this was an unexpected bill. She has not talked with me yet about this situation and there was nothing she can do to help. She had no knowledge that I was having financial problem and not to call back. Tim got upset an advised my mother that the vehicle will be picked up that day.