Consumer complaint received 2025-10-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Consumer Portfolio Services, Inc.
State: IL

Complaint narrative:
Summary of events XX/XX/XXXX  : I sent Consumer Portfolio Services , Inc. ( CPS ) a notarized dispute and document demand, including ( a ) a request for strict proof that CPS is a person entitled to enforce the retail installment contract under UCC 3-301/3-302, and ( b ) a UCC Article 9 accounting/collateral statement request ( UCC 9-210 ). I also sent a cease-and-desist/breach-of-peace notice referencing 810 ILCS 5/9-609 ( b ) ( 2 ) and 15 U.S.C. 1692f ( 6 ), and asked that all communications be in writing. 


XXXX XXXX XXXX : CPS did not provide the requested chain of assignment/endorsements, proof of possession of the original instrument ( or a compliant lost-note affidavit ), or the Article 9 accounting. 


XX/XX/XXXX  ( email from CPS ) : CPS stated my account was out for repossession, demanded {$240.00} to place a temporary hold, and instructed me to call to advise of payment. I reiterated that my account was in dispute, requested all communications in writing, and asked for written confirmation of any hold. 


XX/XX/2025 : Despite the pending dispute and outstanding document requests, CPSs agent repossessed the vehicle. CPS still had not produced the UCC Article 3/9 documentation or provided written redemption/reinstatement figures, the storage location, or timing/details of any planned disposition as required by UCC 9-611, XXXX XXXX 


After the repossession : I requested a sale hold, redemption/reinstatement figures in writing ( with good-through dates ), the repo companys identity, access to personal property at no charge, and preservation/production of repo evidence ( work order, logs, photos/video, GPS, inventory ). I also reiterated my request to cease phone/SMS contact and to communicate in writing only. 


Throughout this period, I received calls, texts, and emails that I consider harassing, despite my written request to limit communications to writing. 


Why Im complaining CPS repossessed while my dispute and UCC document demands were outstanding and without first providing the required written disclosures and figures related to disposition and redemption/reinstatement. I am also concerned about continued collection communications after I requested written-only contact. I believe CPSs conduct failed to follow applicable UCC Article 9 consumer-goods notice requirements and peaceful-repossession standards, and that communications practices were inappropriate after my written request.

What Im seeking A sale hold ; Written redemption and, if available, reinstatement figures with good-through dates ; Production of UCC Article XXXX documentation ( chain of assignment/endorsements or lost-note affidavit ; XXXX accounting/collateral statement ) ; Identification of the repo company ; prompt, no-charge access to all personal property ; and preservation/production of repo evidence ; Exit from the loan with full waiver of any deficiency, refund/waiver of repo-related fees, and correction/deletion of negative credit reporting ; Monetary compensation for harassment and the mental, emotional, and physical distress caused by the conduct ; and A written assurance of compliance with applicable laws and written-only communications going forward. 


Attachments available upon request Notarized XX/XX/2025 dispute/demand and cease-and-desist letters, with proof of delivery ; XX/XX/2025 CPS email demanding {$240.00} to place a hold ; Screenshots/copies of texts, emails, and call records ; Repo/lot paperwork and any available photos/video.

Company response to consumer: Closed with explanation