Consumer complaint received 2018-01-26
Company: Consumer Portfolio Services, Inc.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I went in XX/XX/XXXX and after being in a chapter XXXX bankrucpy discharged, I went to a company in XXXX XXXX Va. called XXXX XXXX and they put me in a XXXX XXXX XXXX with {$1500.00} down thur XXXX XXXX XXXX XXXX and my 1st payment was due XX/XX/XXXX of {$360.00} a month. Ok I was making my payments and than I had got in a situation and I called them that I was going be late on my payment, I cant remember the month off head, but they said it was fine and I paid it, my loan was like {$11000.00} and some dollars for the car which I know over priced. Ok, getting to recent situation in XX/XX/XXXX I had to put in the hospital for XXXX XXXX and I was out of work for some weeks that cause me to get behind in bills, so I still was making my payment, so I had to moved out the house I was renting in XX/XX/XXXX, found another place thank god, and moved in. So, I made my payments up to XX/XX/XXXX and it was getting rough because trying to play catch on bills from moving, so I called them and explained my situation and that I could n't afford the car any more could they lower my payments or they could just come get the car, I have talked to so many different representatives right up to this day of XX/XX/XXXX, they are rude and nasty, they said they cant lower the payments, and I asked could they refinance the car they said no. So, I still get calls everyday, at one point I stop answering the calls, then all these different people would leave messages saying they where account managers to my account. I explained to them I know the result of them if they come get the car they said they would auction the car off and what they do n't get for the car I would have to pay. I am tied of being stress from this company, i even just talked to a lady yesterday that said she was handling my account and said they can help and what could they do, so I said I can come up with a payment on XX/XX/XXXX, she said well I am sorry XX/XX/XXXX the account will be turned over to Recovery for Repossession. so I said ok, just let me know when you all coming to get the car so I can have my things off it and out of it. So, than today someone name XXXX called me being nasty and rude and I explained to him I just spoked with the lady yesterday that says she was handling my account so why was he calling, he got rude and said that her supervisor told him to call me to see if he could help me, so I asked him did he read the notes I already told the lady yesterday, that I could pay a payment on XXXX, he than said loudly well I was going help you but since you say you not going have the money until than I can not help you, and talking over me loudly, so I said I know you all say the lines are recorded, so he still was being nasty, so I said good night sir and hung up. I am so over this company its a nightmare. they lie and than it never seems like the loan every goes down and my credit score never went up at all while I have been in the car and when I was making payments, I need to know what can be done to this company and help me get them to go ahead and get there car if they can lower the payments or except the payment XXXX. Than yesterday I get a call from my landlord, which my landlord name or number is not on my application of reference because I was not living at this address when I got this car, My landlord said she got a call from Consumer Portfolio Services wanting information about me and telling her my business and she informed them that was not her place to give my information and how they get her number, I do not appreciate what they did, thats not right when they already have my address, know where the car is because when I moved to this address I gave it to them. So, my landlord said that the respresentive stated she would email my information to her, thats personal. This company has went to far and some needs to be done. I been told them they can have the car because I can not afford it, they acting like I stole the car.

Company response to consumer: Closed with explanation