Consumer Portfolio Services

Resending the document in case you did not receive the copy yesterdayPlease see the attached

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 They need to be clear to customers when they are applying on what is acceptable income I will wait for the business to perform this action and, if it does, will consider this complaint resolved Regards, [redacted]

CPS apologizes for any frustration the customer may have experienced A review of the account shows that it has been paid offFurther review shows that the customer was delinquent times out of the payments madeCPS attempted to explain to the customer that payoff quotes are for a limited time and interest accrues daily which will increase a payoff quote if no payments have been receivedCPS will continue to report accurately

CPS apologizes for any frustration the customer may have experiencedA review of the account customer redeemed her vehicle on February 13, from the auto auction and signed a release indicating that she inspected the vehicleThere was no mention of a starter switch being taken out or any damage to the bumper from the customerOn February 20, 2017, seven days later, the customer informed CPS that her bumper was damagedA review of the pictures taken at the auto auction does not show any damage to the bumperThe pictures from the auto auction were emailed to the customer on March 1, for her 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 on August 4thPlease note, CPS cannot control when the credit bureaus will reflect the information or when each credit bureau will stop reflecting the tradeline

I would like to cancel this complaint The simple interest was explained to me by the creditor and I understand fully why the interest and principal fluctuate.Thanks, [redacted] I would like to cancel this complaint The simple interest was explained to me by the creditor and I understand fully why the interest and principal fluctuate.Thanks, [redacted]

CPS apologizes for any frustration the customer may have experiencedCPS has applied the entire payment from 02/25/towards the principal balance on 03/04/In addition, CPS has also audited the account and it is correctA copy of the audit has been mailed to the customer on 03/13/

I have been making payments each month on my accountDue to the high interest rate I have been paying extra amounts so I can pay off the debt soonerI have paid $extra one month and $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 They are still charging me interestThis isn’t rightI am trying to pay the debt off earlyMy payments are $a month and I paid $at timeI 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

CPS apologizes for any misunderstanding the customer may have experiencedCPS audited the account and the account is correctThe customer made her monthly payment on January 15th and it posted to her accountOn January 20th, Boulevard Auto Sales, Incwas quoted a day payoff for $13,CPS received a check from Boulevard Auto Sales, Incon February 3, for $13,Please note because payoff was received on January 3, instead of January 30, (day payoff time frame), an additional $of interest was due which gave the customer a refund of $A review of the account shows that the payment of $has been mailed to the customer on February 18,

CPS reports the principal balance of the account to the credit reporting agenciesA review of the account shows that CPS is currently reporting a balance of $3, CPS accurately reported a balance of $5,in February, however, that balance was updated monthly as the customer made paymentsCPS 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,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 times 30-days delinquent, times 60-days delinquent, and times over 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 writingCPS has already offered to settle the account for the remaining principalbalance of $3, Please contact [redacted] at 949-788-with questions or to accept this offer

I have been financed by them for about a week now ( 16-June-2016) and it has been a real mess with these guysThis is for an auto loan by the way, They wanted proof of income, so, I have given them my pay stubs for the last months along with my wife's and that wasn't enoughThey 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 nowI said I have a pay stub from yesterday, he asked to email it I did, and he calls them againHer work answers again but this time I was at her work when they called and they DID say she works there and then they gave the employer attitude and told them they would call back laterI then called them and you'd never guessThey don't answer even after I just talked to the guyOne thing he told me when I did get a hold of him was that they don't answer for just anyoneI swear this to be true and accurate

Ms [redacted] can submit a copy of what she is looking at so that CPS may review further at [redacted]

CPS apologizes for any frustration Mr [redacted] has experiencedUnfortunately, 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

CPS apologizes for any frustration that the customer may have experiencedA review of the account shows that her payments were received and posted to her accountThe account is being reported as paid on timeIf the customer has any additional questions or concerns she may reach CPS at [redacted]

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

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] ***

“CPS acknowledges that the customer has begun making payments to the account and hopes that all aspects of the customer’s situation continue to improve As a gesture of goodwill, CPS has waived the late fees on the account in the amount of $ CPS has noted the account with the customer’s request to contact her by email only and placed a cease and desist on calls The customer requests help getting the car back Unfortunately, as the customer states, the vehicle appears to be held by the state of Colorado and CPS will not be able to assist the customer with the issues related to the state of Colorado There appears to be some possible misunderstanding about the status of the account and the balance of the account CPS has no knowledge of the balance owed to the state of Colorado, however the principal balance on the CPS account is currently $7,659.77, with a delinquent balance of $2, The account is days delinquent No late fees have been paid to date on the account, and as stated above CPS is waiving the accrued late fees CPS will send the customer a copy of her contract and payment history so that she can review the information The customer requests that CPS remove the charge off from the credit reportPlease note that the account was charged off on 4/23/and CPS is required by law to accurately report credit information.” Thank You, [redacted] – Corporate Paralegal Jamboree Rd | Irvine | CA | Voice: | Fax: [email protected] | http://www.consumerportfolio.com

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

CPS emailed the pictures to the customer on March 1, and on March 14, to the email on fileCPS will resend the pictures to the email address listed on the Revdex.com complaint

CPS apologizes for any frustration the customer may have experiencedThe customer states that CPS does not apply partial payments to the customer’s accountA review of the account shows that a partial payment posted to the customer’s account on 02/13/Please note, CPS will accept partial payments but the customer is still responsible in making the full payment before or on the due dateThe customer can also avoid the $service fee by mailing her payment or setting up an automatic payment planA cease and desist has been placed on the account so that all future contact may be done in writing