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Consumer Portfolio Services Inc

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Reviews Consumer Portfolio Services Inc

Consumer Portfolio Services Inc Reviews (139)

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
Regards,
[redacted]

CPS apologizes for any misunderstanding the customer may have experienced.  A review of the account shows a principal balance of $3,489.67, which is correctly reported to the credit reporting agencies, and fees of $3,466.85. The customer has been delinquent 76 times and had 9 returned...

checks.  As a gesture of goodwill, CPS will settle the account for the principal balance of $3,489.67. Please contact [redacted] at 949-788-5761 with questions or to accept this offer.

CPS has reviewed the account and it is for a 2001 Nissan Altima (VIN [redacted]). CPS has submitted a request to delete the trade line from all three credit bureaus. Please note that CPS cannot control when the credit bureaus will reflect the change. The account is now being...

serviced by Portfolio Recovery Associates and they can be reached at 1-888-772-7326 for any questions or concerns the customer may have.

I will contact a consumer protection attorney, this obviously did not help.Thanks for trying

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], 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,
[redacted]

A copy of the notice to sell the vehicle was mailed to the customer on 02/25/2015 advising him that the vehicle would be sold at a private sale sometime after 03/18/2015 in order to provide him with sufficient time to bring the account current. In addition, a deficiency letter was also mailed to the customer on 04/07/2015 providing him with the remaining balance. Please note the customer remains contractually obligated to pay the remaning balance. A copy of both the notice to sell the vehicle and deficiency letter will be mailed to the customer for his reference.

CPS received the credit dispute from the customer, reviewed the account, and sent an update to the credit bureaus to reflect the date of delinquency to...

December 2008 on August 4th. Please note, CPS cannot control when the credit bureaus will reflect the information or when each credit bureau will stop reflecting the tradeline.

CPS has already received this complaint, has been in contact with the customer, and has reached a resolution with the customer.

CPS apologizes for any frustration the customer may have experienced. A review of the account customer redeemed her vehicle on February 13, 2017 from the auto auction and signed a release indicating that she inspected the vehicle. There was no mention of a starter switch being taken out...

or any damage to the bumper from the customer. On February 20, 2017, seven days later, the customer informed CPS that her bumper was damaged. A review of the pictures taken at the auto auction does not show any damage to the bumper. The pictures from the auto auction were emailed to the customer on March 1, 2017 for her reference.

CPS apologizes for any frustration the customer may have experienced. A review of the account shows that the new address has been updated on the account and the monthly billing statements will be mailed to the new address. As a gesture of goodwill, CPS has waived the late fees on the account....

CPS apologizes for any misunderstanding the customer may have experienced. CPS audited the account and the account is correct. The customer made her normal monthly payment on January 15th and it posted to her account. On January 20th, Boulevard Auto Sales, Inc. was quoted a 10 day payoff for...

$13,061.59. CPS received a check from Boulevard Auto Sales, Inc. on February 3, 2015 for $13,220.69. Please note because payoff was received on January 3, 2015 instead of January 30, 2015 (10 day payoff time frame), an additional $30.40 of interest was due which gave the customer a refund of $128.67. A review of the account shows that the payment of $128.67 has been mailed to the customer on February 18, 2015.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below. The account past history is reporting correctly 60 days past due which is correct. The current status of May 2nd is still reporting current  payment status is 60 days past due. Again please show me of January 2016 through May 2, 2016 where I am 60 days past due. The company was paid  . Feb 2015. I show as zero balance of March 2015 so how is my current payment status is still 60 days past due of May 2016. This is common sense. 
Regards,
[redacted]

Revdex.com:
I have reviewed the response made by the business in...

reference to complaint ID [redacted], 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,
[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
Perhaps CPS has my account confused as I have attached my credit report for this account both Transunion and Equifax. Unless they are admitting they do not report accurately to the credit agencies they are incorrect. The different pay off amount were given on the same day not different times and varied 2-6 thousand dollars which is why I asked for a reconciliation that was refused. I still have not received a response for the contact that was not signed by me. My hope is three review my account in it's entirety not the notes from the last customer service "manager" as she has escalated this further.  I will be using your response to he credit agenc as further proof of your inaccurate reporting for the late payment in September that is currently being disputed. I still would like a settlement for the amount Rd owed 
Regards,
[redacted]

CPS apologizes for any frustration that the customer may have experienced. A review of the account shows that her payments were received and posted to her account. The...

account is being reported as paid on time. If the customer has any additional questions or concerns she may reach CPS at [redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
Regards,
[redacted]
CPS lied .They told me they would pick it up and I could pay the payments owed and fees to get my car back.When they picked the car up they never contacted me.The first thing I got from CPS was after The Revdex.com got involved after they sold my car ,and want me to pay the difference.Unbelievable that criminal behavior is practiced in once creditable company's.

CPS apologizes for any frustration Mr. [redacted] has experienced. Unfortunately, CPS is unable to locate an account with the information provided by Mr. [redacted]. If Mr. [redacted] is able to provide additional identifying information on the account, please forward it to us so we may notate the account...

accordingly and place a cease and desist on Mr. [redacted]'s phone number.

I have been making payments each month on my account. Due to the high interest rate I have been paying extra amounts so I can pay off the debt sooner. I have paid $2000 extra one month and $1000 extra another month and instead of applying it to the principal payment, they are trying to spread...

it out to the payments I pay and tell me my next payment isn’t due till March 2017. They are still charging me interest. This isn’t right. I am trying to pay the debt off early. My payments are $307.50 a month and I paid $600 at time. I want them to give me back all the extra interest they charged me and I want them to apply the amounts I have paid over each month toward the principal balance.

A review of the account shows that there was no payment posted to the account on 5/28/2016 of $418.15 + 12.00. Also, there is no record of a CPS conversation with a supervisor advising the customer of receiving the bank statements and crediting the account. If the customer would...

provide a copy of her bank statement, CPS will further review.

I Requested a loan payoff quote on June 22, 2017. The loan payoff was 16,123.00. That same day, I made a payment of $600.00, which is 15.00 more than my regular payment. The same day, I purchased a new vehicle that was financed through a different company. I was told the difference between the payoff and my payment would be refunded. A month and 10 days after this, I called CPS to ask about the refund, because the loan was still showing open on my credit report. I was told that my refund would be $59.00. I was reminded that a payoff quote is for 10 days. That's fine. The payoff was noted on July 7th, 2017. This is 15 days after the payoff quote. I find it really hard to believe that 15 days of "simple interest" equated to 600.00. I requested a detailed breakdown of how this was calculated and received nothing. It is my right to know how these monies were applied. 59.00 refunded from a 600.00 payment is not right.

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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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