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Consumer Portfolio Services Inc

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Reviews Consumer Portfolio Services Inc

Consumer Portfolio Services Inc Reviews (139)

I do not see the attached disclosure form that you request I complete and send back
Can you resend it or is it located somewhere else in the email, thanks!

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
Regards,
*** ***

CPS was able to locate the account upon receiving the account holder's nameA review of the account shows that it was notated on March 3, to cease calls to phone number *** per Ms***'s requestFurther review shows that no outgoing calls have been made after Ms***'s request

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 it is correctPlease note the customer has a simple interest contract where the payment is first applied to the interest and then to principalIf there are more days between payments, more interest accrues by the time the next payment is made and so more of the next payment will go to interestPlease note while the customer is not currently due until April of 2017, interest will continue to accrueIf the customer decides not to pay until April of 2017, then several of the payments will go directly to the interest that has accruedCPS has mailed a copy of the payment history to the customer for their records

CPS apologizes for any frustration the customer may have a experiencedCPS has placed a cease and desist on the account so that all future contact will be done in writing

CPS apologizes for any frustration Ms*** may have experiencedCPS has placed a cease and desist to the phone number provided by Ms. *** so that no further calls will be made to that phone number

CPS apologizes for any frustration the customer may have experienced when attempting to provide supporting documentationThe account was opened in January and is now paid and closed

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
Well, this is rather silly considering they called here asking for *** ***; don't they know who they asked for? DUH!
Obviously this is not her phone number, has been mine for over years,
and you need to disassociate her name with my phone number period! What a strange response
Regards,
*** ***

CPS apologizes for any frustration the customer may have experiencedCPS reviewed the account and the account is correctPlease note, in a simple interest contract, the interest accrues daily and the timing of the payment can affect how much goes toward interest and principalIf there are more
days between payments, then there will be more interest because interest accrues dailyCopies of the monthly statements and an interest day to day sheet that shows the customers daily accrual has been emailed to the customer on 03/24/for her records

CPS has verified with *** from Knoxville TVA Employees Credit Union that the amount of $was returned back to the customer's account on May 18,

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
[Car was paid off in full in should not reflect past due in 2016]
Regards,
*** ***

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,
*** ***

I filled this out and sent it back but it isn't showing that I have. And when I try to go and "redo" the form it wont let me.

I have a auto loan with consumer portfolio service llc  other words know as CPS 1-888-469-4520
I became behind in payments due to serious illness in the family my mother, I told CPS that I was going to be late and in good faith paid them some money toe dwards the loan.
On aug 7 my mother...

passed away my payment on loan was aug 8th.... I received a phone call from CPS on my cell phone them demanding payment and told me just because someone died that doesn't pardon me for a payment and that the debt has to be satisfied.... I hung up CPS proceed to call my father during this time of loss during funeral arrangements!  Cps asked him my where about and told him I am late on my loan.   CPS also called my ex co-worker [redacted] .[redacted] and a friend [redacted] informing them the same
this is un acceptable.... they embarrassed me.... broke a trust/confidentiality clause

CPS reports the principal balance of the account to the credit reporting agencies. A review of the account shows that CPS is currently reporting a balance of $3,489.  CPS accurately reported a balance of $5,032 in February, however, that balance was updated monthly as the customer made payments. CPS cannot control how or when the credit bureaus update or reflect the information furnished, however, if the customer provides a copy of the credit report showing a $5,000 balance, CPS will investigate further.The account is not paid in full.  The current payoff for the account is $6,956.52.CPS will mail the customer a copy of her contract and payment history so that she can see how each payment was applied and the nature of any fees.  Please note that all payments must be made according to the terms of the simple interest contract and delinquencies on the account (including 53 times 30-59 days delinquent, 4 times 60-89 days delinquent, and 6 times over 90 days delinquent) will affect how much of each payment is applied to interest and principal and the customer will incur late fees according to the contract.  Fees are included on each billing statement.CPS has placed a cease and desist on the account so that all future contact will be done in writing. CPS has already offered to settle the account for the remaining principalbalance of $3,489.67.  Please contact [redacted] at 949-788-5761 with questions or to accept this offer.

+1

I was looking for some type of form to sign per your message, so if I can still missing something let me know.From what I gathered from the TransUnion Credit Reporting Agency is that this vendor has put a negative credit rating on my credit report as well as my husband's report through Experian that...

we are currently paying through garnishment on a car loan.The report shows:Responsibility: Joint AccountAccount Type: installment Accountloan Type: AutomobileBalance: $0Date updated; 10/31/2014Payment Received $100High Balance: $12,893Pay Status: Current; Paid or Paying as AgreedTerms: $333 per month, paid monthly for 56 monthsDAte Closed; 10/31/2014Remarks: paying through Garnishment: closedEstimated month and year that his item will be removed: 11/2020.We have absolutely no idea what this is about.  We have never heard of this company and our salaries have not been garnished. We need to see the court order/judgment or anything that they have to justify this claim.  This is an error.  This is all that I have been able to gather from both credit reports.

Here is the release that you requested. I needed to update my complaint. Consumer Portfolio Services finally funded the loan of our new vehicle on Friday 8/14/15. The only used my financial information to approve the loan after they excluded my wife's income. Her HR representative from [redacted]...

[redacted] even called the underwriter directly to verify that my wife was still in a paid status from her job while working from home, but the lady did not seem to care or want the information. They caused undue stress to my wife who is 34 weeks pregnant with twins. Companies do not have the right to exclude verifiable income due to a paid leave especially a maternity leave where my wife is still working, but from her computer at home for her full pay. I know this company has had problems in the past as seen in the FTC lawsuit against them from last year. I even told the dealer if they knew the history of this company and they claimed they didn't care because they get loans approved. If I knew this underwriting process was going to be this difficult then I would have gone with someone else at a higher interest rate. Please contact me if you need any further information.[redacted]

CPS has reviewed...

the account and the account is
reporting correctly. The account is currently reporting as paid and closed with
zero balance.  At the time that the account was paid off, the customer was
60-90 days past due. CPS only reports the
information and does not control how information is reflected or presented by a
particular credit reporting agency.  If the customer has questions about a
payment rating or credit report by a
specific credit reporting agency, please contact that agency.

CPS apologizes for any frustration the customer may have experienced. CPS has...

applied the entire payment from 02/25/2015 towards the principal balance on 03/04/2015. In addition, CPS has also audited the account and it is correct. A copy of the audit has been mailed to the customer on 03/13/2015.

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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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