Consumer complaint received 2023-08-04
Company: Consumer Portfolio Services, Inc.
State: PA
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:
I first want to say that I KNOW my payment history with Consumer Portfolio is spotty. When I got this loan in XX/XX/XXXX I never imagined I'd get XXXX  and suffer long term XXXX and XXXX XXXX that would leave me in the hospital for weeks at a time. 
That being said, I find myself XXXX days past due on my loan. My last payment was XX/XX/XXXX and that was to cover XXXX 's payment. Which confused me because I was told in XXXX they'd work with me to skip XXXX 's payment but then in XXXX I was told I had until the XXXX to make XXXX 's payment. Now I'm due for XXXX, XXXX, and coming up on XXXX. 
I've been in the hospital for several weeks. I tried making payment with my debit card and it kept getting declined, until I eventually figured out it was because it is expired. A new one was mailed to me, but since I'm in the hospital, I can not get to it. My father, who normally helps me, passed away last month. So I'm on my own until my sister gets into town on XX/XX/XXXX to help me. 
I have tried setting up payment arrangements but they've been made under the assumption I'll be out of the hospital and able to get to the bank to take cash out, or get my mail at home and have my bank card. 
Neither of those things have happened. I was close to getting out but was set back by XXXX telling me they wouldn't commit a comment to live chat about loss prevention ( which seems shady that they don't want record of what is said ) and that they have to actually talk to me. I was desperate and they were insistent that they didn't care if I had a XXXXXXXX XXXX XXXX XXXX So I had a nurse pull the XXXX  so I could speak to XXXX since they would only speak over the phone at that time. That XXXX XXXX speaking, and the replacement massively set my recovery back. That day I tried to make an ACH payment but I was so hopped up on the pain killers they had to give me for the tube removal/replacement process, that I typed my savings account numbers instead of checking and the amount was returned. 
After it was returned I tried to set something up again, in hopes that I'd be out of the hospital but because of that tube process, I'm still here. 
Yesterday I all but begged them to give me until XX/XX/XXXX to make XXXX. The rep I spoke to agreed and said she placed a hold on my account until XX/XX/XXXX. Which gives my sister time to get here and get me my mail, or get to the bank for me. 
This morning I got a very tersley worded email and when I got back on live chat I was told that my arrangement was cancelled. No notice. Just canceled. Even though the rep yesterday said arrangements aren't reviewed unless your XXXX days late. I'm XXXX today. Had I not asked I would have been blindsided by returning home from the hospital to no car. 
Every email XXXX sends it says to reach out to make an arrangement but they will accept no arrangement. And when I reply to the emails I get ignored. They only want phone calls it seems and I CAN NOT take this tube out again. I told XXXX I am looking at having to file bankruptcy and that is insane considering 1 ) the money is in my bank I just need my sister to get to it for me and XXXX. ) My dad passed away and left me more than enough money to pay off the loan. Which is what I plan on doing when the estate check reaches me by the end of the month. XXXX would rather I file bankruptcy and have my loan crammed down ( since it is over XXXX days old ) to where I only have to pay what it is worth, not what I owe. I owe XXXX. The car is a XXXX with XXXX miles and some cosmetic damage, it is worth a lot less. 
You'd think they would work with me to get the full amount, not less than half. While I understand the payment history I can't exactly help the long term health issues I've suffered and thay my hospitalizations are inconvenient to them. They loaned at predatory rates ( over 20 % ) during a worldwide pandemic and don't seem to care a fig about their customers. 
I'm simply asking that they set an arrangement for XX/XX/XXXX so my car is not repossessed and then I'll have it paid off entirely before my XXXX payment is even due. 
They also say they helped " XXXX times '' with extensions or modifications but its never actually a modification. Its just allowing you to pay double the following month.

Company response to consumer: Closed with explanation