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Consumer Portfolio Services Inc

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Consumer Portfolio Services Inc Reviews (139)

A copy of the payment history has been mailed to the customer for her records

CPS apologizes for any frustration the customer may have experiencedA review of the account shows that the account was days past due prior to payoff in The account is expected to fall off the customer's credit report years from 04/01/CPS is reporting accurately to the credit
reporting agencies

In the complaint, the customer states that negative marks were reported to TransUnion by CPSAfter further review, CPS has reviewed the account and the judgment in Seminole County case number ***. As a gesture of goodwill, CPS has removed all negative marks and marked the account as paid in fullPlease note CPS cannot control when the credit bureaus will reflect the change

CPS apologizes for any frustration the customer may have experienced. CPS provides payoff requests via the internet or over the phoneThose payoffs are good for daysCPS is unable to locate the internet payoff referenced by the customerPlease provide a copy of the payoff from the
internet that was provided to the credit union so that CPS can investigate further

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID***, and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved
Regards,
*** ***

A review of the account shows that the customer did not make her payment for the month of September and the billing statement that the customer attached reflects that she was due for 9/25/After CPS received payment from the insurance company, the customer paid the remaining balanceCPS
is reporting accurately to the credit reporting agencies

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
The response by CPS is a complete lie I have attached both emails that I sent per the request of the named supervisorsThe first was AMattes the second was ReggieBoth of whom confirmed emails were received and the payment was a verified paymentI also was advised by Ms*** as well as *** the emails were received and were valid paymentsALL calls at CPS are monitored and I am certain those conversations were recordedNevertheless I have attached by debit card statement reflect the $418.15+$payment I made to CPS via their payment system Paymentus on 05/27/the payment was made with ***The statement also reflects the payment was not returned to my acctI was advised by the CPS rep the payment would be rejected and returned to my acctI have also reached out to Paymentus AGAIN today who advised and confirmed the payment was received and sent to CPS 05/29/and was never returnedAt this point I would like my money refunded
Regards,
*** ***

CPS apologizes for any frustration the customer may have experienced while CPS was attempting to confirm the information provided by the applicantsThe applicant was approved

I HAVE NOT RECEIVE ANY PAY IN FULL LETTER FROM THIS COMPANY AT ALL I’VE BEEN WAITING SINCE 04/11/16, TODAY IS 06/01/16, AND STILL WAITING, THIS COMPANY IS THE WORST EVER ON EARTH THEY ARE LYING, AM SO DISAPPOINTED WITH THEIR SERVICES, AND THEY ARE NOT “SORRY” OF ANYTHINGALL THEY CARE IS “MONEY”, LIFE IS TO SHORT FOR THIS I JUST WANT THEM TO REALIZE WHAT THEY ARE DOING TO CUSTOMERS IS UNFAIR, BUT NOTHING LOST FOREVERGOD WILL GET THEM SOONER OR LATER.PLEASE REVIEW ALL PAYMENTS MADE FROM BOTH OF MY INSURANCES, AND MYSELF, THEY REPORTED ME BEING LATE 5-TIMES NOW ON MY CREDIT REPORT AND BECAUSE OF THIS AM UNABLE TO GET A LOAN FOR ANOTHER CARMY CAR WAS STOLEN 12/11/AND NO SYMPATHY FROM THEM

Please note that in order for CPS to place a cease and desist on the phone number provided by Mr***, CPS would need to locate the account associated with the phone number providedMr*** states that his phone number was found and associated by a woman he knowsIf Mr*** can provide a name to locate the account, CPS will notate the account appropriately

Further review of the account shows that the customer had been delinquent times out of the payments made on the accountCPS repeatedly worked with the customer by granting her an extension and a due date change so she could catch up on her paymentsPlease note that the timing of the payments will report the customer late. The payment history attached by the customer reflects the timing of her paymentsPlease note that the customer was still responsible in making the payments on time while the insurance companies were reviewing the auto theft claimA paid in full letter has been mailed via FedEx to the customer againIf the customer has not received it she can call CPS at *** *** for assistance

As a reminder, this is a simple interest contract and pursuant to the contract, payments are applied to accrued interest first Interest accrues daily based on the amount of the principal balanceAfter the accrued interest is paid, any remaining amount is applied to reduce the principal balance Although CPS does not see the attachment referenced in the complaint and therefore cannot comment on the customer's personal calculations, CPS has provided the customer with a copy of her contract and payment historyCPS will send it again for her review Please note, the customer never received a late charge

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
[I do not except this offer because as the attached document shows they were over charging me interest on my loan My calculations show I am owed $for over charging me interest in the months they were financing my loan Also my loan payment was never late and the 18th shown as the transaction date on 05/18/and 02/18/is incorrect I have records from my bank when the loan was actually paid and it was never past the 17th which is the due date ]
Regards,
*** ***

CPS
apologizes for any frustration the customer may have experiencedIf the customer
would like to make a payment towards the principal only, in addition to the
regular monthly payment, the customer can mail a check with the account number indicating it is for principal only to our corporate
office
at *** *** *** *** ** *** and our accounting department will
manually enter it the way it is being requestedA review of the account shows that
there have been no late paymentsAs a reminder the customer has a simple
interest contractInterest accrues daily based on the amount of principal owed
Payments are applied to interest first and then principalA copy of the
payment history will be mailed to the customer

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
Pictures were never emailed me to meThe collision quote I got from the person says it was the consumer towing my vechile as you can from the pictures I sent there is no collision damage to my vehicle and there are cracks as wellI called *** and his boss *** for weeks straight for pictures and they did not email them at all.
Regards,
*** ***

CPS apologizes for any frustration the customer may have experiencedCPS has reviewed the account and has mailed payment to the customer of $140.31. CPS has also mailed a copy of her simple interest contract that states an interest rate of 18.20% not 16.9%

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved
Regards,
*** ***

CPS apologizes for any frustration the customer may have experiencedA review of the account shows that the account had been days delinquent since December 3, 2015, prior to her reporting the vehicle stolenThe account reported a delinquency each month after, starting in January until it
closed in AprilCPS is reporting accurately to the credit reporting agenciesA paid in full letter was mailed to the customer on April 19, with her original contract

Please note that the Judgment was for a Ford Tempo (VIN***) financed through The Finance Company which was later bought by Consumer Portfolio Services, Inc(CPS)A copy of the Amended Final Judgment has been mailed to the customer for her reviewAs previously noted CPS has removed all negative marks and marked the account as paid in fullCPS does not control when the credit bureaus will reflect the change

CPS apologizes for any frustration the customer may have experiencedA review of the account shows that the customer was delinquent fifty days at the time the vehicle was repossessed from the city impound lot. Please note, the customer is still responsible for the deficiency balance on
the account

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Description: Consumer Finance & Loan Companies, Collection Systems, Collection Agencies, Loans - Small Business

Address: 19500 Jamboree Rd, Irvine, California, United States, 92612

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