Consumer complaint received 2025-12-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Consumer Portfolio Services, Inc.
State: MD

Complaint narrative:
I am submitting this complaint regarding CPS ( Consumer Portfolio Services ) for improper repossession practices, inaccurate credit reporting, and unlawful third-party contact during the servicing of my Retail Installment Contract. 

Beginning in XX/XX/XXXX, CPS repeatedly contacted me with threats that my vehicle was being assigned for repossession unless I paid an amount I could not afford. I informed CPS each time that I was only able to make payments on my biweekly pay schedule. CPS repeatedly acknowledged this and entered biweekly payment arrangements into their system based on the payment dates I provided. I have emails and screenshots showing CPS sending me automated reminders stating : This is a friendly reminder of your payment arrangement for today. Despite these arrangements, CPS consistently reported my payments as late to the credit bureaus.

CPS also contacted third parties without authorization. They contacted my friend twice on XX/XX/XXXX, my mother on XX/XX/XXXX, and my aunt on XX/XX/XXXX, stating I had a past-due car note and threatening repossession. Only my mother and one friend were listed as emergency contacts, and listing a reference does not authorize disclosure of personal loan information. They also contacted my brother and the mechanic at XXXX XXXX XXXX XXXX XXXX XXXX several times. 

At the beginning of XX/XX/XXXX, I voluntarily provided CPS with the exact location of the vehicle for voluntary surrender at XXXX XXXX XXXX of XXXX XXXX. Even after receiving this information, CPS repeatedly contacted the dealership and the dealership mechanic to threaten repossession, despite already having consent, the location, and no resistance from me. 
A Notice to auction the vehicle was electronically generated in my CPS account on XX/XX/XXXX, even though I had voluntarily surrendered the vehicle earlier in XXXX. After this notice was generated, CPS then reported my account as 120 days late to the credit bureaus on XX/XX/XXXX. CPS did not request any payment from me after XX/XX/XXXX, and they had already taken possession of the vehicle. I was not provided any clear schedule of when payments were considered due based on our ongoing biweekly arrangements. Reporting a XXXXday delinquency after repossession and after a voluntary surrender location was already provided is inaccurate. 

Since the repossession, CPS has not responded to any of my emails or messages regarding retrieval of my XXXX tags, despite multiple requests. 

Regulatory issues involved : FDCPA 805 ( b ) Unlawful third-party disclosure : CPS repeatedly disclosed my account status and repossession threats to individuals who were not authorized to receive such information.

FCRA 623 Duty to report accurate information : CPS reported my account as 120 days late after they had already taken possession of the vehicle and despite having documented biweekly payment arrangements. 
UDAP/Unfair or Deceptive Acts and Practices : Repeated threats of repossession despite ongoing arrangements, contacting third parties to pressure me, and reporting inaccurate delinquencies constitute deceptive and coercive servicing practices.

Maryland Collection Agency Law : Harassment, excessive calls, and contacting relatives can be violations of state collection rules.

Supporting documents I will include : Screenshot of CPS payment arrangement confirmations sent via text.

The electronic Notice to Sell Vehicle at Auction..

Proof of voluntary surrender communication showing I supplied the exact location of the vehicle.

Company response to consumer: Closed with explanation