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consumer portfolio services - do they have any complaints?

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Posts: 1
Credits: 174.05

Question:these people have called my job as many as 7 times in one day.Additionally they have called my neighbors. I have ran 20 - 30 days behind for several months. I should be making payments for 2 months and I have made them only for one month thus I am consistently behind.they have also called my neighbors in addition to several other floors in my office building.

Consumer Portfolio Services can't call call your neighbor and disclose your debt related issues to them as per the collection laws (fdcpa). In addition, they're also restricted from calling your office without your permission. In facty they're violating FDCPA laws.

BBB report regarding this company is also not good. Consumer portfolio services have an unsatisfactory record with the BBB. It got an unsatisfactory rating as 1) it failed to respond to one or more complaints, or 2) it failed to resolve two or more complaints.

You can consider the following steps against the concerned collection agency as they have violated collection laws: -

Please go through the following article for more information: -

FDCPA (Fair Debt Collection Practices Act) can save you from collection agencies

Sub: #1 posted on Mon, 09/22/2008 - 09:19

phoenix phoenix
(Posts: 1444 | Credits: 275.38)

I have a car loan with the company, it has been a nightmare along with the 21% interest. I have been a month behind for several months. I also know I need to make a 2 month payment in order to catch up but I just can't aford it. These people call over and over at my job. They called and told me my car was going to be picked up. I'm so tired of trying to work out payments with these rude people. I told them to pick up the car. They still haven't pick up the car, but they just keep calling saying I want two payments now. I said you told me you were taking the car, so I hung up. Then they called back and asked for the address, I told them I had not moved and the car was not hidden. I hung up again. Then they called again and ask me the mileage on the car. I hung up again. All this is happening at work, when they have my cell phone and could have called me on this. I am so tired of them calling, I will be glad when they pick up the car.

Sub: #2 posted on Fri, 11/14/2008 - 21:20


they have also called my neighbors, whom i did not put down as a reference, and repeatedly call my work. they won't come get the car either!

Sub: #3 posted on Thu, 06/11/2009 - 23:46


this company is horrible...they even keep hanging up on me when I call i to make a payment. I also am One payment behind every month when I make a payment. There are lots of other people out there who are behind and cant even make that much. I think they should just shut their mouth and take the payment or else come and pick up the car as they ALWAYS threaten to do. I myself work for a collection company and have ceased them from calling my place of work per FDCPA however they refuse to do so. They always tell me they can not help me they have to tranfer the call and hang up on me. I want to know do they want a payment or not? Yes they are getting a payment, YES its late their is nothing I can do about it either. So take the payment or SHUT UP!

Sub: #4 posted on Sat, 06/27/2009 - 20:49


I had a car loan with them 4 years ago and the car was repossesed. They still to this day are calling my work trying to get me to settle. They violate the FDCPA without any regard, as I have repeatedly told them to not call me at work.

Sub: #5 posted on Tue, 06/30/2009 - 22:18


The FDCPA doesn't apply to CPS....they are the original creditors. FDCPA laws only apply to collection agencies, etc.

I too have a car loan with them, and I am only typically 12 days behind. One time they called me, screaming at me for payment. I hung up and immediately called the Indiana Attorney Generals office to see if they violated any FDCPA laws.....the lady I spoke with said that the laws don't apply to original creditors.

I can't wait to have them paid off!!!!!

Sub: #6 posted on Mon, 09/28/2009 - 22:10

katcunnington katcunnington

(Posts: 53 | Credits: 12.55)

I just called to do a partial payment (1 week behind) and the lady said she would only process half of my payment. She processed the FULL amount leaving my account negative! I called back and another lady said her notes said I wanted to do a full payment and was sorry it was late. I'm FUMMING!!!!!! No one to call, and no one who cares for their customers!!!

Sub: #7 posted on Thu, 04/29/2010 - 21:17


This is the worse company that I have ever had to deal with. If I get another car and it is financed through CPS, I will walk, catch the bus or ride a bike. I usually run about 10 days late based on how my pay day falls. They start calling on the 6th of the month and they call and call and I just do not answer the phone because I know that I am going to pay them. They leave rude, nasty and threatening messages which I totally ignore. I have told them before, come and get the car, I can always purchase another car. I no longer pay interest so they are on me like no other. I can not wait to get them paid off.

Sub: #8 posted on Tue, 06/15/2010 - 11:04


In 2005 I purchased a Ford Focus from a dealership in California. I know my credit wasn't the best. However, when the dealership faxed Consumer Portfolio Services a copy of my paycheck showing my net pay which at the time was around $955-$960. They decided to charge me $477.85 which is over half of my paycheck. Like anonymous I was a month behind and they begin calling me 9 to 10 days before the payment is due. The calls are very harassing. When I had a my home phone they would call me on my home phone and when I didn't answer they would hang up and call me on my cell phone. They have also called me on my cell phone while I was at work and when I didn't answer they would call me on my work phone. I'm blessed in the my work phone is my direct line and no one else answers my work phone but me. If I don't answer it goes to voicemail so they can't talk to any of my co-workers or my supervisor. The messages they leave are annoying. They say things like please call me back regarding an important/urgent business matter. I have tried to get them to refinance the car at a lower payment and I've tried to get them to let me pay half on the 15th of the month and half on the 30th of the month which are my paydays and they won't budge. They keep telling me that I have to pay the whole thing at once. I got into an argument with the so-called supervisor last month because she said to me: It's obvious that you can't afford the car! I told her that I can afford the car the problem is that you are charging me too much and you won't let me split the payments in half. This lady was very rude and obnoxious!!!! I can afford my Ford Focus the problem is that I'm paying for a BMW, Mercedes, or Cadillac instead of a Ford Focus!!!!!!!!!!!!!

Sub: #9 posted on Tue, 07/13/2010 - 14:32


People buying a BMW, Mercedes Benz, or a Cadillac don't pay $477.85 car payment. I think that everyone one of us who have a car loan with Consumer Portfolio Services should join together no matter what state your CPS company is in and file a class action lawsuit against them for unfair practices, over charging customers, annoying and harassing phone calls, and being very disrespectful to their customers. They need to be stopped before they make someone do something drastic!!!!

Sub: #10 posted on Tue, 07/13/2010 - 14:49


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