Consumer complaint received 2024-02-13
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Consumer Portfolio Services, Inc. (CA)

In XX/XX/XXXX I was supposed to purchase 3 cars originally, yet I was told XXXX brand-new XXXXXXXX XXXX  were being built specifically for me and would be ready by XXXX, but they wanted to get me in this XXXX XXXX. After many attempts on my credit and getting what cash, they found about XXXX ( which was never put towards the car ) but being unable to get me approved by their lenders they said. They went in on my XXXX XXXX XXXXXXXX and easily confused ex roommates and they had her pull out every single prepaid debit card until they found one that had an account/routing number to it, to which when we signed the contract they made her the buyer and me the cosigner, i paid {$2000.00} down and after signing i was promised an inspection sheet, copy of contract and a warranty they stated as long as i paid the {$100.00} deductible I could get anything fixed at any XXXX, which upon pick up we received no paperwork and the inspection they said they no longer had time for, but everything would be mailed to me, a few weeks later the abs was going out in the back tires and a crack in the windshield popped up i took it to XXXX they refused to honor the warranty said to go to infinity in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they did give me some paperwork which was false after XXXX ran the vin for the warranty and came back there wasn't a valid warranty on the vehicle and the crack in the windshield they said i did was actually done prior to our purchase and covered up. in XXXX or early XXXX of XXXX my bag of all my paperwork was stolen prior to my XXXX payment, which i filed a report with XXXX police department but subsequently i asked many times for the documents again and they refused every time because I didn't have any information to pay the financer, which is funny cause in my last complaint against both XXXX XXXX XXXX XXXX both stated the financier was in the room while signing but that couldn't be cause I know any business can't own a financial intuition they may have an inhouse but not own but the only folks in the room were me, XXXX XXXX XXXX and a skinny lady who said she worked for XXXX and what makes it worse is if she was on site then why would was it a big issue to get me the paperwork or simply pay her directly at her office at XXXX of XXXX XXXX, then about a week or XXXX after the XXXX bill was due i guess this creepy fella from the financier, kept harassing XXXX to which she gave him my number, so he called me while i was working in the car not far from their office in XXXX and he proceeded to tell my business over the phone while I had passengers in the vehicle and he proceeded to basically strong arm me and start telling me what I'm going to do and if I don't, i said would drop of the car then he said he wanted to renegotiate our contract and how i didn't want to put this on XXXX the actual buyer on the contract, well finally on, XX/XX/XXXX the safety features gave out on the car as i was at the same XXXX who said the warranty was not valid, and so i went to back up after dropping a passenger off and going to pick up another the sensors on the car and camera never engaged and I backed into a parked car, i took the car to a shop in XXXX XXXX that's where the estimate from my XXXX complaint came from where he checked all the sensors and found none worked, so I was told by chase to dispute the down payment and try and return the vehicle to XXXX, and i filed a report with cfpb, i got a letter saying that they were going to sell the car as i had already filed a release of liability with XXXX and was approved as XXXX was told to do the same but she refused, and after the letter i called about the car and they didn't even know who i was only XXXX and I had to add my information to them, finally they sent me a bill of XXXX after they sold the car which was around half, well i called because i had paid XXXX for the down payment and my insurance was charged XXXX for a defective vehicle XXXX had sold me and knowingly knew the vehicle was defective, so i called i said ok the vehicle is XXXX now how much do me, XXXX and XXXX for its negligence owe and they stated each of us owed XXXX each even though they sold the car for half and then it was shipped out of country as i had to file another release of liability to which i was granted again, but if as i asked them how can each of us owe XXXX evenly if the final price after sale was XXXX and the original price was just under XXXX