Consumer complaint received 2024-02-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Consumer Portfolio Services, Inc.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TO WHOM IT MAY CONCERN, This is the best of my knowledge and lists of all correspondence between myself XXXX XXXX, and XXXX XXXX from the date we signed the contract at XXXX XXXX XXXX XXXX dealership located in XXXX XXXX, La. 
We signed a contract with XXXX XXXX auto loans located XXXX XXXX XXXX, XXXX CA. XXXX. On the premises there would have no down payment. But in fact, on the day of signing and picking up the vehicle a XXXX XXXXXXXX XXXX vin number XXXX, We were approached by the dealer loan agent that a {$400.00} down payment was due. Since we had to arrange a ride we had no choice but to pay the {$400.00} amount. I have also researched their licenses and have not been able to find information regarding XXXX XXXX, being legit loan company in Louisiana. From that moment on we paid four monthly payments to Consumer Portfolio Services Inc., we knew that this would be for a short time due to the amount of the monthly payments of {$590.00}. Before we signed we had discussed upfront with the finance department of new roads that we would, ask to refinance at six months. This being due to the high interest rate. At six months ' time we received extreme prejudice from consumer portfolio services inc. Stating XXXX  XXXX has nothing to do with XXXX XXXX and in fact they do not refinance. As we asked for a reason, they ignored our request and stated we should have not gotten the loan. We explained the truth that my fianc, XXXX was XXXX  and could not work, the agent of XXXX XXXX answered with well she should not have gotten XXXX  you knew you had an obligation to pay your bills. I am not sure but I did read somewhere there is a law, or statue or an act that a finance company can not take an adverse action towards a debtor in the event of one of the co debtors having a medical leave of absence from work. i think it helped with a extension. again im not sure about thefactas of this possible law etc. nothing of stopping the repossessinion of a vehicle or a item. Due to a XXXX. XXXX is and has been working by my side finishing all of my staircases and all wood work I have installed for over 5 years. So around the same time I learned about the fair lending act and additional information regarding vehicle loans and HJR 192, all bills are paid etc. I did my research and provided a negotiable instrument With an affidavit and a 1099 c, 1099 oid, and a 1099a, for XXXX XXXX for review and to send to the IRS. This was discussed with an agent from XXXX XXXX On XX/XX/XXXX. We never hear back from XXXX XXXX and we sent the negotiable instrument on XX/XX/XXXX. Again we never heard back from XXXX XXXX. In our eyes and with seeing on our credit report that the loan was charged off, we figured the negotiable instrument was accepted. Then on the morning of XX/XX/XXXX at XXXX am. a tow truck came and repossessed our vehicle, located at XXXX XXXX XXXX XXXX, XXXX XXXX, La. XXXX, and placed my vehicle on a tow dolly, in fact removing the back tires from the ground, placing the vehicle in the air, as the company stated they have pictures showing the vehicle was lifted and put on a dolly. Then they decided to tell me there huge legal team was going to contact me, as its been over two weeks as of today Tuesday the XXXX of XXXX. There is another very interesting event, that transpired before the repossession. I think this would be called an illegal repossession tactic. I received two different job opportunities from two different industries. One claiming to be Fitbit vehicle wrap for my vehicle. The other being a PA, promotion assistant job, both I have worked with or far in my past work history. I didn't think much of it, until the day I received two packages on the same day XX/XX/XXXX. One check was in the amount of {$3200.00} from XXXX XXXX. DATED XX/XX/XXXX, The other one in the Amount of {$3800.00} from XXXX, dated XXXX XXXX of XXXX. I contacted both parties and discussed I would be depositing the checks. I then immediately contacted XXXX XXXX  because something of course didn't seem right. The bank ( XXXX XXXX  ) could not tell me if in fact the checkS where good or not, Because they have not been deposited. So I proceeded to deposit the checks so I may have some proof of their wrong doings. After I deposited the checks I received correspondence from both parties XXXX and XXXX XXXX. As the weekend passed my vehicle was taken on the Tuesday XXXX  and then no word from either of the job personnal, I did receive one response from a foreign gentleman threatening me something I could not understand, then XXXX nothing. I then put two and two together feeling like an idiot, but in my defense how would I know about a repossession since I never received any notice from consumer portfolios services inc. After talking with XXXX XXXX yesterday I was told they sent me a letter on the same date XX/XX/XXXX the XXXX, as the check are dated. Now I know for sure they have been up to some suspicious activity. They still tell me that I can go get my personal belongings but then they say they can not do anything about the time of opportunity to gain access to pick up my belongings, that is up to the recovery yard that has my vehicle. Then kindly hangs up or claims there huge legal team will be calling me. Still no word from this huge legal team. My hands are tied and they know it. I can not find the law stating a secured party can not repossess a vehicle in air lifting the vehicle off the ground, also to take without notice. On top of the ways they went about repossessing the vehicle I know there is regulations on this matter. I do understand that they claim to not have received my negotiable instrument for satisfaction of the debt for my vehicle loan. please help with this matter below is all names of personnel I've talked to along with dates of correspondence. I appreciate your assistance with this matter. My hopes are to get my possession, the to regain possession of my vehicle and then work with the creditor and make restitutions accordingly in the statues of the law. With the final outcome to prosecute XXXX XXXX.AS THE PROOF WILL FIND them in violation of the rules and regulations, that they have committed against our rights as consumer. 
Thank you so very much, XXXX XXXX, XXXX XXXX XXXX bless CONSUMER PORTFOILIO SERVICES Inc. 
XXXX XXXX XXXX XXXX, CA XXXX Phone numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX talked representative XXXX at XXXX XXXX she gave me the recovery company 's name and number. 
XXXX, ph. XXXX she transferred me to reinstatement office department XXXX supervisor XXXX XXXX gave me the recovery company 's name and phone number XXXX  XXXX the repres. From XXXX gave me XXXX, gave me, XXXX  phone number XXXX her name is XXXX. She is the one that tells us she will not let me get my personal items except on Tuesday between XXXX XXXX  and by appointment only on Tuesday period. 
XXXX talked to XXXX with reinstatement department office of XXXX XXXX. He stated the amount listed below. 

This is the financial demands from XXXX XXXX. 
Original loan amount {$22000.00} Amount paid total via monthly installment payments {$4100.00} Balance paid by XXXX XXXX and XXXX XXXX, by a negotiable instrument {$18000.00} Reinstatement amount demanded by XXXX XXXX {$6600.00} for release of vehicle. 
XXXX XXXX Claims once {$6600.00} is paid balance of XXXX will still be owed. 
Then after the discussion with XXXX in the reinstatement department I was transferred to customer service department where I talked with a XXXX we discussed that the loan was showing a charge off status on our credit reports. She stated XXXX XXXX can not charge interest FROM THE CHARGE OFF DATE. HER BALANCE SHEET WAS QUITE DIFFERENT. 
Amount still owed {$21000.00} Reinstatement fee {$6600.00} Balance after {$14000.00} XXXX XXXX And XXXX XXXX Payments to date {$4100.00} Final amount due after reinstatement payment {$10000.00} That is approximately a difference of {$5000.00} This finance table XXXX XXXX gave us makes zero sense to us. Even XXXX XXXX can not answer me on this matter. 

************************************UPDATE XXXX I XXXX XXXX XXXX TALKED XXXX XXXX XXXX TODAY THEY ASKED FOR MY LOCATION OF WORK, THEN PUT ME ON HOLD AND THEN HUNG UP ON ME AGAIN. AFTER SEVERAL HOURS I DID GET A CALL BACK AND WAS TOLD THERE IS NO NUMBER TO CONTACT THE LEGAL DEPARTMENT OF XXXX XXXX AS XXXX AND XXXX FROM XXXX XXXX XXXX SAID THEY ARE NOT CONCERNED ABOUT ANYTHING I HAVE TO SAY AS I POLITELY ASKED IF THERE WAS ANYWAY WE COULD WORK SOMETHING OUT SINCE I HAD STRONG ALLEGATIONS OF WRONG DOINGS AND TO PLEASE CONTACT ME WITH THERE LEGAL TEAM THEY REPLIED, IVE BEEN ADVISED TO TELL YOU NOTHING AND YOU WILL NOT BE TALKING WITH THE LEGAL DEPARTMENT XXXX I REPLIED WELL XXXX XXXX REPRESENTATIVES HAVE TOLD ME TO EXPECT AS CALL FROM THEM FOR TWO WEEKS NOW. INTERESTING I REPLIED, THEN XXXX TELLS ME WELL IF THERE IS NOTHING ELSE AND HANGS UP ON ME FOR THE TENTH TIME .... THIS WAS AT XXXX XXXX. 
THANK YOU AGAIN XXXX XXXX. 
XXXX XXXX PICTURES OF ALL THE PAPERWQORK AND USC 'S AND CHECKS DEPOSIT RECEIPTS FROMALL OF OUR PROOF AND HOPEFUL CORRECT ASSOICIATWED DOCUMENTS REGARDING OUR ALLIGATIONS ARE ATTACHED. WITH THIS EMAIL.

Company response to consumer: Closed with explanation