Consumer complaint received 2024-04-11
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Consumer Portfolio Services, Inc. (MO)

I traded in my car to the dealership, was completely transparent about my car. The website description was not correct, they even sent a video purposely not showing the flaws. I have it, as they took it down immediately. I drove it, replaced the push button start, bought a XXXXXXXX XXXX for the key XXXX XXXX XXXX XXXX, got the windows tinted and the XXXX XXXX  XXXX it gave me a message on the board to drive moderately. The next message was pull over vehicle has been compromised. I set on the side of the interstate for it to cool down and the messageboard be clear for me to start it. This continued the rest of the entire day. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and the side of the interstate was not the place for my XXXX XXXX. I called the car dealership and they had no empathy Until I said listen youre going to fix this. I contacted Consumer Portfolio services because they finance me try to get the dealership to get me into a different car come pick this up not only would they not return my calls but they wouldnt turn. CPS calls either this went on for over a week. Finally I did sign a contract with them, they were going to give me a different XXXX XXXX, that was on a Thursday, so that was the Thursday after XXXX. Keep in mind my car payment was paid on the first of last month this month I have not been able to drive the vehicle for over a month Not only is it not running but I can not get the proper information to get the paperwork for it because I can not take it to get a VI inspection with it not running its just not possible the closest XXXX certified mechanic availability is at least 75 miles away. I have already paid to have this car towed once. The dealership passed me off to several different people continued to blow me off continued to XXXX  CPS XXXX Im sitting here waiting for something to happen. They say its going down and I send them {$600.00} XXXX XXXX for delivery and pick up last time I paid them {$1200.00} for delivery of the black car, that turned out to be another thing that they blew off they would not return calls, and when I finally got a hold of someone Saturday, they were mad at me for calling to see when my car would arrive. They said they would just trash the deal. the problem with them was that they wanted to come and get my car that I have financed right now that they have not paid off yet or have any intention to and then go back to XXXX  because I live in XXXX  and then bring me a car after they inspected that one. I sent them a video of the vehicle. Everything is exactly the same. The only thing I have done is add value. So upon doing the math, I realize that Im into these guys pretty far for pretty much nothing. Consumer Portfolio, Dealer Compliance did not do the best communicating with me. I still dont know what they decided, but I know that the car dealership is not, and was not going to cooperate in the proper manner because they have not been honest from the gate, theres no way I would trust them to come pick up my car without one. Im going to have to pay Tow Truck a lot of money to get to a dealership to have it looked at I dont even know whats wrong. I know that it will not run when you are in drive and you push the accelerator when it said the red screen it was like it was in neutral it was going nowhere. The vehicle was not only the incorrect website, description, video description., I was not told of any type of three day rule in Texas XXXX I was not told of the overspray on the car that my body shop said looks like house paint on the back quarter panel, driver side when they have a paint shop at their dealership it just blows me away, was not told that the warranty was transferable in any state or obviously I wouldve opted for that as a matter of fact, I have the conversation between the Dealer and I documented via text about how funny it was that he asked me that because hes in XXXX and Im Missouri not once did he say I could transfer. That couldve been a huge remedy from the beginning. All this is not my responsibility. I do not work as a car dealer in the state of Texas or in any state for that matter, but I have read the law. I am entitled to the information he decided not to give me for that matter I am stuck with a vehicle that is broke that I have to pay more money to even get it looked at they can not get me paperwork because I cant get the VI in inspection. They never gave me the paperwork. I have not been mailed any paperwork from them, thats another strike right there like they didnt do anything right but Im responsible for this note. I dont think thats right, that I took each proper step as advised by my finance company to try to remedy this the car dealership was not only disrespectful to me as a woman, but they also brought religion into the fact about my contract he compared my contract to God creating the earth, yeah I cant make it up so offended in every way that I can be and I have been out of my wits because of this and now I dont know what to do because we see what it cost to repair this car that was supposed to be through 150 point inspection, one owner, etc. I realize things happen to cars and I realize they cant do anything about it but the point is had I been told the proper information from the get we would not even be having this at all it would be taken to an auto shop thats where it would have been towed because my warranty wouldve covered it no matter the distance, that is something that wouldve been really nice to know. And they laugh about it at the dealership. Honestly its a big joke. Its a big joke that XXXX is crazy because they dont call me back. They will literally say I promise. Ill call you back in 10 minutes and I dont hear from them for two days and thats because I called them back. Im always the one calling them and also I can produce phone records from XXXX XXXX XXXX every single call out of my phone and into my phone and you will see who is trying to communicate and who completely ceased communication. As far as Consumer Portfolio Im grateful for their help but all they could tell me get a hold of the dealership so basically Im on my own thats why Im writing you. Im writing you in hopes for some sort of justice out of this huge shenanigan that was only supposed to be a car purchase.