Consumer complaint received 2020-04-21
Company: Consumer Portfolio Services, Inc.
State: KY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have had an ongoing problem with Consumer Portfolio Services XXXX XXXX  XXXX, XXXX, California. XXXX I lost my job in XX/XX/XXXX, got behind on payments 3, moved out of XXXX due to a XXXX XXXX situation. Moved to XXXX KY, got a new job XXXX XXXX caught up payments, then in XX/XX/XXXX needed XXXX XXXX XXXX off work XX/XX/XXXX to XX/XX/XXXX, got behind again, 3 payments, went into prerecovery from XXXX XXXX  XXXX XXXX , XXXX XXXX, XXXX , Florida XXXX XXXX I have talked to XXXX , XXXX , XXXX , Ms XXXX, XXXX , XXXX , Ms XXXX , supposedly a supervisor, now address change for payments to : XXXX XXXX XXXX, XXXX XXXX , CA XXXX as of XX/XX/XXXX. The last supervisor I talked to at Pre-Recovery was XXXX XXXX, I told him I thought there was a discrepancy in my cash payments made at XXXX here in XXXX, according to my records not all my payments were posted to my balance, Also they gave me he said 5 extentsion and then they kept that payment due current on the loan rather than on the end of the loan as they told me they would do. I asked him for time to get an attorney and have him help me with this process, he got angry the first time I confronted him about this problem and hung up on me. Then a few days later he called me back wanted another XXXX payment from me, I told him no more money until I was certain that my balance was correct ( that I still owed ). So I communicated with him by e mail. He said you voluntarily surrendered the car, and I said not until I am certain that the balance owed is correct. and I would only communicate by e mail with them. NO MORE PHONE CALLS. They called and heavy breathed in to the phone, acted like they were mafia. Asked me to buy a lottery ticket and maybe I would win and pay off my loan. I was asked to go to all the area churches up here and beg them for a car payment. Churches help with food, AN TO VALUE is to high so no one will refinance. I tried 3 different banks. I went back to original XXXX electric and water bill, and sometimes rent if you are on a court ordered eviction. NO ONE will give you money for a car payment. The estimated value of the car is now {$8000.00}. I went back to original dealership in XXXX XXXX, KY and they would not get me into another car since CPS handles most of their loans, I went to XXXX XXXX XXXX, KY. when they go the info on the LTV they turned me down also. So now the XXXX XXXX XXXX XXXX was just repossessed. I am XXXX, I live alone, have no other method of transportation and just recently had XXXX and I told them I would make all the necessary payments to bring the loan current, when I got my unemployment, my enhanced unemployment, a nd my stimulus help and then I would voluntarily surrender the car and get another one and that I would complain to CFPB, Inspector General of the US, Attorney General of state of Kentucky and Attorney General of State of Tennessee. I know this complaint won't help me but I hope to get the word out there about this fraudulent loan company and prevent other people from being duped by CPS and XXXX.

Company response to consumer: Closed with explanation