Consumer complaint received 2018-04-12
Company: Consumer Portfolio Services, Inc.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
In the beginning ofXX/XX/2018 immediately after purchasing this vehicle the car was illegally towed in XXXX by a private towing company. The car sat in that lot for nearly three weeks and cost me nearly 3000 to retrieve the car or the tow yard was going to file paperwork to assume ownership of the vehicle. 
I did the right thing by retrieving the car from the lot, mind you II also just was XXXX from filing chapter XXXX with the federal circuit court of XXXX. upon spending all of that money for the vehicle, I was immediately in contact with consumer portfolio about my loans and that I was certain I was going to be behind because of the cost of that tow. I did the right thing be not allowing them to assume ownership. After I could not receive any assistance felt it was unfair. I had a different representative who then said I could file for an extension and she sent an email to me which had a form to electronically fill out. I filled it out and when sending it back I contacted consumer portfolio only to learn that the previous rep who said i could be incorrect and had misled me.words were again exchanged and no solution at the time was found, A couple of weeks later I was told I went on to the website where i was granted an extension. I applied and was said to have signed for it. 


I never signed in, never seen this agreement they speak of but i learned that after i questioned how i had still had my car if i was actually that far behind. I struggled so had to get caught up on my loan but achieved that only to have two parents pass and my brother. all within a 6-week time frame. Three funerals, my job, my poor sister who still isnt okay to this day and here I am trying to maintaining myself. I initiated my relocation to XXXX to ensure I am a better support to my younger sister. had to fina a new job, was in constant communication with consumer portfolio, updated addresses and more. Eventually, I received no mail, no bills and the phone calls quit coming in. 
 I called and asked what was going on and they stated i went on to the website and requested they not call me with a stop call request. 


I never logged in to any site and never asked them not to call. That's fact Got myself together and asked them to rese3nd out my bills yet they never came. 

Upon relocating my account was transferred to a new office where i spoke with a representative open time, where i had arrangements made. 
I was not even aware of nor was i notified., i was told to pay XXXX dollars, no repossession would stop and there were no options.,, I argued the amount was incorrect because they slapped me with fees i was not inclined to have, my balance owed jumped two more payments. 

i pleaded and pleaded and made no progress. They would not listen to me when I asked for literally 6 more days and i would have had that account paid off in full., they resumed. Stated they'd open an investigation and I requested a much higher level supervisor and they stated a call back would be made. 

That call neve3r came. No resolution.

They treated me like an idiot, a fake, and like honestly ..a subprime consumer because not a single one of them had any compassion or empathy to my situation, my efforts to resolve it or the well being whatsoever.

They state they offer multiple payment plans. Sure, only to draw you in to take the loan/ good luck maintaining it. During the purchase of my vehicle at the dealership, they tried forcing me into add-ons and packages i didn't need to0 increase the total loan amount were very very forceful and even made you feel bad and intimidated me when i opposed. 


Everything in my mind said do not accept it but by this i just wanted the XXXX out. 
sure enough, they tried to mislead me on my APR % which changed multiple times. 

Further that, their truth in lending is very gray and very dishonesty. This stop call items on the site were definetly not done with my knowledge and i believe they may be false.

not only this but my data has been breached,. Im a victim of a horrendous case of identity theft, cps doesnt care. but they sell my data to whoever asks for it without even verifying that companies credentials. This company is scamming me to my face, falsifying documents, changed owed balances and refused to trake accountability or to work with mew. I cant loose my car. iu need it as i drive daily at work. please assist me in finding a resoltuomn so i can leep the car.

Hault the reposssoion. Please defer ther payments and allow me to dso thisd right other wise I have the documents of the agreements, the phones calls. Misleading by multip [ le representatives, woth no resolution. P { lease work with me to resolve this or i will have no other choice in the matter but to take this another direction that id prefer n ot to. 

I am not in any type of arbitration agreement and have also gathered records from ym cell provider to calculate time spent on the phone, the multiple cal ; ls per day from you guys which is also against federal law in debt collections and the day of my phone call in when i learned of my repossession and having to yell at the top of my lungs with you people for nearly two hours I ended up in the hospital with my XXXX XXXX so XXXX i coul ; d have died with a XXXX. YES YOU CPS CAUSED THIS, that three-day trp to the hospital bill will go alng with any time i bill you for fopr nearly 20 plus hours back and forth and then we move to why you wouldn't work with me. was it because you could careless or discrimination or was it because your own employees may have forged my documents stopping calls, never mailing out my bills hanging upo on multiple phone calls. violating my rights as a consumer under the fair credit reporting act. I know my rights and i know them very well. I am only asking you to do what morally right here., legally right also. please assist i asked for a refund of a care package they forcedcf me into which ididnt weant, ill never use and they told me i had no choiuce in the matter as it cam with all vehicles and then upon sopeaking with that cvompany, I believethat that compAny who they outsource their care packages with is a cam or a ploy just to rake in more money. when i spoke with them they sounded like they were all at home and io was bounc ed around without and hold, no transfers, nop resolution when iu asked for someone higher. how do you have one call center employee, one claimed manager then two owners who i was informed never are there, but miraculously they both appeared during my call only she told me to call the dealer and hung up on, me ; XXXX XXXXXXXX XXXX XXXX XXXX and Consumer portfolio Just might be working together towards greater misleading and or consumer fraud. After seeing the complaints and doing my homework I cant imagine how consumer portfolio is in business after all the no0nsese they've found them selves in or how any reputable business would want to sell their loans to consumer ; I've received no calls for resolution and will give this five more days before i consult with the attorney and take this to the media. the entire world will know how dishonest, fraudulent, miss leading, unprofessional, forceful and just how your business practices may surface then., typically with one copmplating. comes many to follow. I see an easier solution I can not provid eyou any of the loan information as the paperwork is in the car which is currewntly, to my knowledge in XXXX where i left it. 
I am some XXXX miles away from XXXX. XXXX XXXX

Company response to consumer: Closed with explanation