Consumer complaint received 2017-06-25
Company: Consumer Portfolio Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have an original debt by the following companies : XXXX XXXX XXXX Auto Loan $ 7000 year XX/XX/XXXX( after sold during auction ) XXXX $ 800 year 2014 XXXX XXXX $ 500 year XXXX I went through a medical issue which resulted no longer being able to function in the workplace, and as a consequence ending up applying for Social Security XXXX. Consumer Portfolio Recovery Services continuously would harrass me on a daily basis about the auto loan payments that were overdue, and requesting immediate payments. I would tell them I had no money, my house was about to go towards foreclosure and am having difficulty getting Social Security approved. I ended up going to Food banks to get grocery. They still insisted on payments even though I would explain my situation to them. They would even call my previous place of employment and family members. My old job told them to stop calling several times because i was no longer working. It continued. I ended up calling them to pick up the car because i could not make payments. I ened up dropping it off at the dealership so they would have no other choice but to get it, because they refused to pick up telling me it would be a " long process ''. The car was sold at auction for {$14000.00}. I was financing for {$21000.00} Interest fee were very high as you can see. Then XXXX XXXX continued harrassing me the same manner they had before because they wanted the remaining balance. I reassured them I had no money and was behind 7 months of mortgage. There simply was no money and I relied on family to help pay the utilities. The harrassment continued ( and still does ) to the point, that I simply did not pick up the phone any longer because all different numbers were being used to call me. I had a XXXX XXXX, was under XXXX care and did not want to relapse because of them. A year later once I felt a little better and being approve for XXXX, I checked my credit report. It showed as a charge off. on XX/XX/XXXX I called them asking what a charge off meant and was told I still had the debt. I decided to try to make a settlement arrangement and was told I would have to make at least {$300.00} a month for six months before I can even ask for a settlement reduction. Although I did not really know if I could do this, I unwillingly agreed to pay this. I asked them why was I paying more than what I was told years before and they spoke about interest fees etc. I had no clue what they were talking about. I said yes to start payments starting XX/XX/XXXX. They wanted immediate payment. I said that I could not do this because i had to pay my mortgage. They told me this could affect settling debt by waiting that long. I hunged up, did my budget and realized that I could not do this amount. I called to cancel agreement to pay monthly and that I will call back to see how I could figure it out. They told me again on how this could affect settling the debt and that if I call back later I would have to pay the {$10000.00} in full instead. A few days later I get an email from XXXX stating that XXXX XXXX XXXX has " updated '' my file and brought my credit score down 36 points. This is considering that they have had this since XXXX. This was in retaliation of my phone call asking to cancel the previous agreement to pay monthly. The same was done for two more accounts that were sold to them. These accounts were ones I had when I had the hardship mentioned above. The accounts were for : XXXX $ 880 year XXXX XXXX XXXX $ 500 year XXXX They were sold to XXXX XXXX XXXX. On my credit report at the same time as my auto loan. They wanted 96.40 a month for each and said that the amount due would also change because of the monthly payments. Something was just not right about how they were trying to collect these debts and I just could not understand why I had to pay more than the balance due. They wanted {$1100.00} for XXXX and {$580.00} for XXXX XXXX. I contacted my bank to cancel any withdrawals from my checking account for all three debts I have mentioned. Apparently, it 's a recovery fee added for new accounts. I was also told that the amount due increases every month it is not paid. I am requesting for you to investigate this. I feel that my rights have been violated. Payment Agreement XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX woman within XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX repo car As you can see, each debt represented has a different number. Same company. Also, my social security was used to look up each account. The credit report would not show full number and they '' could not find it '' if I did not give my social security number. I also have to mention that they started using my sister 's address on my credit report as if it was mine. The address was XXXX XXXX XXXX XXXX, N.J. XXXX as if it was my address in order to collect a debt. Mind you, I live at XXXX XXXX XXXX XXXX, N.J. XXXX for 6 years now. I could not understand how my sister 's address appeared on my credit report as if it was mine. I would go to the post office asking if a change of address was made in my name. there was n't. I finally got an answer from XXXX who informed me that XXXX XXXX was the one using my sister 's address and I had to contact them to correct this. This was another reason why I had to call them. They were placing false information on my credit report. The reason why I found out was that I tried to get an insurance card from XXXX through the mail and was n't getting any. It turned out they were sending it to my sister 's address and the mail was being returned. They also said that they get this information updated by the post office. Which was updated by XXXX XXXX XXXX.  Bottom line, they were jeopardizing everything that had to do with my daily life including changing personal information. Please investigate the matter presented. Thank you in advance.

Company response to consumer: Closed with explanation