Consumer complaint received 2019-04-01
Company: Consumer Portfolio Services, Inc.
State: LA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My name is XXXX XXXX and Im writing this letter on behalf of myself and my husband XXXX XXXX in regards to a purchase made with a company. My husband & I purchased a vehicle, a XXXX XXXX XXXX, from XXXX XXXX XXXX located at XXXX XXXX, XXXX, La XXXX on XX/XX/XXXX. The salesman that sold us the vehicle name is XXXX XXXX. I met XXXX at my job because he had recently sold my coworker her truck. He came to my job in the XXXX XXXX to check and see how my coworker liked her new truck. Of course with him being a salesman he asked if I was looking for a vehicle. I told him that my husband was trying to find him a work truck and Mr. XXXX suggested that I take a look at the XXXX XXXX he was in. I stepped outside to look at the truck and I contacted my husband to see what he thought about the truck. My husband said he was interested in it and Mr. XXXX then proceeded to get our information to start the process on purchasing the truck. Mr. XXXX called me while I was at work and told me we were approved and that we had to put {$500.00} down to get the vehicle. I informed him that I would have to make arrangements to get the vehicle due to me living in XXXX, La. He then agreed to drive the truck to my house in which someone was going to follow us in another vehicle to bring him back to XXXX. My husband and I signed the paperwork in our home. We never once stepped foot on the dealership not even to speak with a finance person. He told us that the truck was financed with the bank XXXX XXXX and we could call and pay over the phone. Were young, had just made a year of being married and were excited to be making our first purchase together. With us never purchasing a vehicle before Ill admit that there were a lot of mistakes we made. One mistake was us not even going to the car dealership. The other was NOT speaking to a finance person at all before making the purchase. Two weeks later my husband called the bank to pay the note being that it was due XX/XX/XXXX and he was informed that we didnt have anything with that company. We then found out that the vehicle was financed through Consumer Portfolio. Well also within those two weeks after getting the truck it stopped running. After getting multiple people to look at it we discovered that the fuel pump had went out in it. We made the decision to return the truck back to the dealership. My father and husband had to load the truck on a trailer due to the fact that it was not running so it could be returned back to the dealership. Once they got there they tried to refuse receiving the truck. My father and husband explained to them that we did not have the truck long enough to even make the first payment before it stopped running. My father also mentioned that he didnt think the proper procedure was taken in selling us the vehicle due to us never meeting with an actual finance person so that the financing on the truck could be explained to us. The vehicle was left at the dealership but Consumer Portfolio is  still trying to get us to pay for the vehicle. This has affected our credit tremendously and I would like for it to be removed. I have been told that the truck was sent to an auction and was sold. I do not feel we are responsible for paying the remaining balance on the vehicle due to the fact that it was returned before the first note was due, no payment was ever made and it has been sold to someone else.

Company response to consumer: Closed with explanation