Consumer complaint received 2025-09-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Consumer Portfolio Services, Inc.
State: GA

Complaint narrative:
I purchased a vehicle on XX/XX/XXXX, financed through Consumer Portfolio Services ( CPS ). My first payment was not due until XX/XX/XXXX, yet CPS began harassing me with collection calls as early as XX/XX/XXXX. These calls were excessive, hostile, and occurred before any payment obligation existed. I have recorded calls as proof. 

XXXX of Events : XX/XX/XXXX : Began receiving harassing collection calls despite no payment being due until XX/XX/XXXX. 

May 2024August 2025 : Continued receiving unprofessional and harassing calls. I began recording these interactions due to their hostile nature. 

XX/XX/XXXX : I made a {$450.00} payment, confirmed by CPS representative XX/XX/XXXX ( XXXX AM ) : My vehicle was wrongfully repossessed, even though payment had been made. 

XX/XX/XXXX : Because of the holiday weekend, I was unable to reach anyone at XXXX or their agents. 

XX/XX/XXXX : I spoke with CPS representative, XXXX and made a {$750.00} payment to reinstate my vehicle. Despite this, CPS failed to promptly release the Vehicle Release Request ( VRR ) to XXXX XXXX XXXX. Also informed by XXXX that they do not go by due dates. Thats new? Never heard of this. 

XX/XX/XXXX : After repeated calls and misdirection from XXXX eastern time to XXXX Eastern time, I spoke with CPS XXXX XXXX, who admitted that the release had not been properly sent and then resent it. ( Recorded call available. ) XX/XX/XXXX : XXXX XXXX XXXX XXXX ( XXXX, GA ), where my vehicle was being held. Use of local law enforcement assisted in this They claimed they had not received the release and attempted to charge me {$200.00} in storage fees, despite my payment to XXXX on XX/XX/XXXX. 

XX/XX/XXXX : Contacted CPS to ask what was the payment amount that would be due on this month. Instead I was transferred to the collection department. If my car payment is up to date, why is my account still in collections after an entire week. 

Violations and Legal Concerns : Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 16921692p ) : Prohibits harassment, abuse, or misleading representations in debt collection. CPSs excessive, premature, and hostile calls constitute harassment.

Truth in Lending Act ( TILA, 15 U.S.C. 1601 et seq. ) : Requires accurate disclosure of credit terms. CPS misrepresented terms regarding my payment schedule and repossession rights.

Uniform Commercial Code ( UCC 9-609, Georgia Code 11-9-609 ) : Creditors may repossess collateral only after a default. My account was not in default at the time of repossession, making CPSs action wrongful. 

Consumer Financial Protection Act ( CFPA, 12 U.S.C. 5531, 5536 ) : Prohibits unfair, deceptive, or abusive acts and practices ( UDAAP ). CPS engaged in multiple deceptive practices, including wrongful repossession, failure to release my vehicle after payment, and imposing improper storage fees. 

Harm Suffered : Financial losses : duplicate payments, attempted improper storage charges. 

Emotional distress : harassment, intimidation, and stress-related health issues. 

Loss of transportation, directly impacting my ability to work and care for my family. 

Desired Resolution : Full refund of improper and duplicate payments. 

Removal of any repossession-related debt, fees, or negative marks on my credit. 

Cancellation of the auto loan contract due to CPSs repeated violations. 

Compensation for financial losses, emotional distress, and inconvenience. 

I have documentation, receipts, and recorded calls to support my claims.

Company response to consumer: Closed with explanation