Consumer complaint received 2025-08-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Consumer Portfolio Services, Inc.
State: GA

Complaint narrative:
Despite raising concerns in May about forgery and unauthorized add-ons, Consumer Portfolio Services ( CPS ) has failed to provide any formal documentation confirming the outcome of their investigation. Instead, Ive received vague or partial responses via email and phone not a proper written statement on official letterhead, which I specifically requested multiple times. 

CPS also stated they are just a bank and claim Im still responsible for the loan, even after issuing a {$2300.00} refund for the unauthorized add-ons ( which occurred only after I raised the issue ). This raises serious questions : if no wrongdoing occurred, why was a refund issued? If wrongdoing did occur, why am I still liable for a contract that includes forged documents? 

Im seeking a full, transparent resolution not vague replies, excuses, or collection pressure.I am also requesting the CFPB investigate whether CPS violated consumer protection laws by failing to provide complete documentation, misleading statements, or failing to investigate the forgery appropriately. 
This refund itself confirms wrongdoing, yet CPS continues to hold me liable for the full loan balance while refusing to acknowledge the forgery. 

What I Am Formally Requesting A complete written response on CPS letterhead clearly stating whether the investigation is open, closed, or inconclusive, including supporting documentation. 
Confirmation that no Power of Attorney was on file when the contract add-ons were processed. 
An explanation of how a refund was processed without establishing that wrongdoing occurred. 

I continue to assert that my signature was forged, the contract was tampered with, and I did not authorize the {$2300.00} add-ons. Until this is resolved, I am under duressy and being held liable for an agreement that is not legally valid. 

Per XXXX XXXX your supervisor I respectfully reject the claim that there is no evidence of fraud. As a consumer, I am not required to provide proof of forgery beyond a reasonable concern and request for investigation especially when altered contracts, inconsistent signatures, and unauthorized add-ons are clearly presented. 
XXXX. Forgery & Unauthorized Contracts Are a Crime Not a Courtesy Matter It is misleading and legally insufficient for CPS to suggest that a {$2300.00} refund, labeled as a courtesy, resolves the issue. If no fraud or wrongdoing occurred, why was a refund issued at all before you even received remittance from the dealership or third-party administrator? 
XXXX. Your Internal Confirmation Is Not Evidence-Based or Transparent Your assertion that we confirmed with the admin the policy was cancelled does not address how it was cancelled, by whom, or whether any valid Power of Attorney ( POA ) existed at the time. Your refusal to produce this documentation, while simultaneously stating theres no evidence of fraud, is contradictory and violates the spirit of a good-faith investigation. 
XXXX. Consumer Protection Law Requires Transparency and Documentation Under the Fair Credit Reporting Act ( FCRA ) and Truth in Lending Act ( TILA ), financial institutions must maintain and produce accurate records, especially in disputes involving identity, authorization, and account changes. To this day, CPS has not produced : A copy of the POA allegedly used A full statement on official letterhead closing the investigation A timeline of how/when the policy was added and cancelled Any explanation of the forged or inconsistent signatures on file 4. Continued Collection Efforts May Constitute Harassment The issuance of a refund acknowledges an issue with the contract. Yet, CPS continues to demand full payment and has resumed aggressive collection calls placing the burden on me while refusing to provide resolution in writing. This contradicts protections under the Fair Debt Collection Practices Act ( FDCPA ). 

Any mention of the refund being a courtesy was stated verbally during a phone call, not in writing. This is a major gap in documentation, especially given the seriousness of the alleged forgery and the financial harm it caused.!!! 


I have attached exhibits as to red arrows are the Tampered documents purple is the documents I received on the close of my transaction I will not stop until just is served please be advised I also have a forensic specialist on standby!

Company response to consumer: Closed with explanation