Complaints

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:05/18/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have repeated told them that we can not receive calls before 5 pm due to work. they claim they can not control this since it is a dialer that calls. I made my past due payment yesterday and called them to let them know and to remind them they cant call before 5pm and they say they cant stop it. I also set up a pay arrangement for the payment I am not even late on yet, and they called again at 1:27 pm. they say the arrangement was not put in. This is not my fault and should not be punished for their mistake. This company is a collection agency and they think they can treat people and harassing customers like they are a debit collector instead of a auto loan company as well. They will tell you that they do not have to follow the fair consumer rules. I have read the laws and once they have been told not to contact during sustain times due to work then they are not allowed to call during those times anymore. I am needing to know what I can do to get them to follow the laws and to stop harassing us.

  Business Response

  Date: 06/06/2023

  Consumer Portfolio Services, Inc. (CPS) has reviewed the complaint and the account. CPS apologizes for any frustration the consumer has experienced. CPS spoke to the consumer on May 30, 2023 and confirmed the communication limitations. CPS made the appropriate notations on the account so that telephone communication attempts are made after the requested time. 

• Initial Complaint

  Date:05/16/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  THE STATUE OF LIMITATIONS IN ******* IS 5 YEARS AFTER A CAR BEING R REPOSSESSED AND THIS COMPANY IS CALLING ME EVERY DAY AND EVEN UPDATED THE THE DATE ON THE REPOSSESSION WITH THE CREDIT COLLECTIONS CNS PORT SVC REPORTED TO MY TRANSUNION ACCOUNT ON NOV 29, 2019 CNS PORT SVC REPORTED TO MY EXPERIAN ACCOUNT ON DEC 5, 2019 CNS PORT SVC REPORTED ON MY EQUIFAX ON APRIL 3, 2023 THIS ACCOUNT BEEN CLOSED SINCE 2019 Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section ****c of this title and to limit the furnishing of consumer reports to the purposes listed under section ****b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a ********************** report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section ****b of this title.

  Business Response

  Date: 05/19/2023

  Consumer Portfolio Services, Inc. (CPS) has reviewed the complaint, attachments, and the account. Our records show ***************************** and ******************* (Customers)signed a Retail Installment Sale Contract on November 10, 2015, with CPS, for the purchase of a 2016 Dodge Journey. Please note, this credit transaction was initiated by the Customers when a credit application was signed and submitted at the Selling Dealership, North ***** Chrysler Jeep Dodge of *****, *******. A further review shows CPS repossessed the vehicle on March 05, 2019, due to the account being over 100 days delinquent. A Notice of Our Plan to Sell Vehicleletter, dated March 05, 2019, was sent to the Customers and stated The money that we get from the sale (after paying our costs) will reduce the amount you owe. If we get less money than you owe, you will still owe us the difference.If we get more money than you owe, you will get the extra money, unless we must pay it to someone else. Please note, the Customers did not reinstate the vehicle, therefore, the vehicle was sold at auction on May 07, 2019. An Explanation of Calculation of Surplus or Deficiency letter, dated May 16,2019, was sent to the Customers, and stated the amount still owed after the sale of vehicle. Please note, CPS released the interest on June 27, 2019, due to the account becoming over 200 days delinquent. Our records show the last payment received by the Customers was on November 09, 2019. CPS conducted an audit and can confirm that 1. all payments received have been applied accurately and 2. the current outstanding balance owed is accurate. CPS will mail a copy of the audit, signed contract and payment history to the address listed on the account. For more information, or further explanation on the account, audit results and/or contract, please contact the *************************** at ************. The Customers *** reach out to the ********************* at ************ to discuss any payment arrangements that *** be available for the remaining principal balance, interest and any fees that *** be owed. CPS had forwarded part of the complaint to our Credit Reporting Response Team. The Credit Reporting Response Team has confirmed the tradeline reflects accurate information furnished by CPS. If the Customers wishes to dispute the accurate information furnished by CPS, the Customers can submit all relevant documentation to our Credit Reporting Response Team for an investigation at Consumer Portfolio Services, Inc., Attn: Credit Reporting Response Team, P.O. Box *****, *****************. Please note, the Statute of Limitations has no correlation and effects to CPSs obligation to report the tradeline accurately. For more information, or further explanation on Tradeline reporting, you *** contact our Credit Reporting Response team at ************.

• Initial Complaint

  Date:05/15/2023

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I recently acquired a new phone #. This company keeps calling multiple times since I got my new #. *** informed them it was a new number and that they have the wrong phone number but they keep calling. The last time they insisted I provide personal information to verify I wasnt who they were calling for. Ive never had any business relationship with this company. Employees are hostile in communication.

  Business Response

  Date: 05/17/2023

  Consumer Portfolio Services, Inc. (CPS) has reviewed the complaint. CPS apologizes for any frustration ******************* may have experienced.CPS has placed a Cease and Desist so that no more future communication attempts will be made to the phone number listed in the complaint. 

  Customer Answer

  Date: 05/17/2023

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  *******************

• Initial Complaint

  Date:05/08/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I was able to pay off the rest of my loan they for some reason couldn't accept the whole 9k they broke it up into two payments. First one came out that day 2nd withdraw was going to be done the next business day. To my surprise they never took out the 2nd payment to complete my loan. They took out the first withdraw just fine from my bank account that same day. Next day. Nothing is pending. Nothing notified from the bank to me. I call cps and they stated that the bank declined it and they'll resubmit it and asked for me to contact my bank to make sure it's all going through. I did just that. My bank "unify" let me know that they never declined anything. Hopefully 2nd payment goes through here shortly because if I have to call back I'll have my attorney on the line with me. I will not be paying interest because cps wants more money that's not how to keep customers coming. Cps has got to be the most upsetting company to deal with and I will never do business with them again.

  Business Response

  Date: 05/31/2023

  Consumer Portfolio Services, Inc. (CPS) has reviewed the complaint and the account. Our records indicate a payment was attempted to be processed on May 02, 2023 via debit card. A review of the payment attempt record reflects the that the payment was declined due to the card unable to be processed. Please note, CPS has no control over payments being declined due to a banking restriction related to debit cards. A further review of our records shows a second payment attempt on May 02, 2023 via personal checking (ACH). A review of the payment attempt records shows the acceptance and posting of payment to the account. The customer made a third attempt on May 3, 2023 via ACH. Due to the restrictions of the payment processer, the payment was declined due to the customer exceeding the max ****** amount allowed within a 24-hour time frame. Please note, CPS has no control over the payment processors restrictions. CPS can confirm that the payments were not declined to charge additional interest to the customer. A review of the payment history shows CPS received a payoff payment and was applied to the account on May 08, 2023. 

• Initial Complaint

  Date:04/19/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This account dnt belong to me the company couldnt verify my information I need this account to remove completely from my credit report..

  Business Response

  Date: 04/21/2023

  Consumer Portfolio Services, Inc. (CPS) has reviewed the complaint. Our records show the customer signed a Retail Installment Contract and Security Agreement on March 13, 2019 for the purchase of a 2018 ***** Accord. If ************ believes that this is a matter of identity theft,please submit all relevant documentation to our Credit Report Response Team for investigation at Consumer Portfolio Services, Inc., Attn:Credit report Response Team, P.O. Box *****, ******, ** *****. Please note CPS must report accurate information to the credit reporting agencies and cannot remove accurate information.

• Initial Complaint

  Date:04/10/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have had this car for over a year, unfortunately it needed a transmission which it got repaired in a timely manner, and, during that time the monthly payments were kept, however another incident occured where the car got vandalized, it was repaired, these incidences have left my funds in major distress. I have requested a deferment in December of 2022, it was approved. However, because of these circumstances, I did request another deferment and it was denied. I am also relocating to a safer living environment for my vehicles, of I will need funds to relocate.At this time, I am one day behind on the car payment this month of April, it was due on the 9th of April 2023. My plans for this vehicle are to either surrender it back, it's in very good condition, OR, allow my son to take over payments.

  Business Response

  Date: 04/20/2023

  Consumer Portfolio Services, Inc. (CPS) has reviewed the complaint, and the account. As mentioned in the Customers complaint, CPS approved a one-month deferment. Please note, the customer processed the deferment through their online account via www.consumerportfolio.com on December 07, 2022. A review of the account shows a payment was made on April 11, 2023, making the account next due for May 09, 2023. Although, the customer may not be eligible for another deferment at this time, the customer may contact our ********************** at ************ to discuss other options such as payment arrangements and/or voluntary surrendering of vehicle. 

• Initial Complaint

  Date:04/10/2023

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Consumer Portfolio Services **** informed me of their 2022 policy clearly which reads, Down Payment- the minimum down payment required is defined in Exhibit A." A cash down payment must be paid from the Applicants own funds and cannot be borrowed. CPS considers advances from Applicants own credit cards to be a borrowed down payment. Deferred down payments (if any) must be disclosed on the contract. Any deferred down payments must be scheduled prior to the first payment due date and must be paid prior to CPS purchasing the contract. Hold checks are considered deferred down payments even if a check guarantee company guarantees them. The contract was breached on the basis of the down payment. I never made the first payment on this vehicle.

  Business Response

  Date: 04/20/2023

  Consumer Portfolio Services, Inc. (CPS) has reviewed the complaint, attachments, and account. Our records show the customer signed and entered into a Retail Installment Sale Contract (Contract) on June 22, 2022,with CPS, for the purchase of a 2013 Audi A4. By signing the Contract, the customer acknowledged and agreed to all terms including a down payment of $500.00, paid as of the date of purchase. CPS is unsure if the Customer is attempting admit that the contract was breached when the customer did not make down payment as of the date of signed Contract. CPS will require that the customer fulfill their existing obligations to CPS, unaffected by the recent correspondence. The customer *** reach out to the ********************* at ************ to discuss any payment arrangements that *** be available for the remaining principal balance, interest and any fees that *** be owed and/or acceptable forms of payment. CPS had forwarded part of the complaint to our Credit Reporting Response Team. Per their investigation, they have concluded that the tradeline reflects accurate information furnished by CPS. For more information, or further explanation on Tradeline reporting, you *** contact our Credit Reporting Response team at ************.

• Initial Complaint

  Date:03/22/2023

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Unfortunately, my father received a loan from CPS. After his passing I provided the required information. Continued making payments on time. Got insurance. Still, they asked for more information and did not issue the title on the car I have paid for over a year. I now have to retain an attorney and find out what legal options I have. I will never do business with them again, and you should not either. Look at the shameful comments left by real people who were dupped by their company. Who would continue to pay car notes and insurance for a car that I can't register. I sent in documents and over a month later still no title or communication from CPS. I had to contact them again, over a month later just to be told I need more information. I guess they prefer to battle it out it court.

  Business Response

  Date: 04/05/2023

  Consumer Portfolio Services, Inc. (CPS) has reviewed the complaint. Our records do not show that *************************** has supplied CPS the requested and required documents to assume the account. CPS is unable to release any account information and/or title without the completion of the loan assumption. For more information and/or clarification on the documentation needed, related to the assumption of the loan, please contact our ***************** at ************.

• Initial Complaint

  Date:03/21/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have paid off my vehicle in December 2022 and had my Equifax report just pulled for a loan and my loan is still showing that it is outstanding. I want this corrected immediately. I talked with them on more than 1 time about everything getting reported properly and they said yes it has been taken care off. BUT it has not. This company has been NOTHING but a headache and has reported several of my payments improperly. All i want is for my credit report to show properly to show the **** is paid off. i have also filled a dispute with equifax directly. I am so frustrated at this company and their lack of reporting things properly. One of the last conversations with the reps she was so rude, condescending and unprofessional. i was in tears about how i was being treated as a client of the company. Also this is NOT the first time i have been in tears from their reps. *** called me a liar right over the phone when i provided proof of the amounts.

  Business Response

  Date: 03/23/2023

  Consumer Portfolio Services, Inc. (CPS) has reviewed the complaint and the account. A review of the account does not indicate any communication has been made by the customer since December 29, 2022. CPS has not received any direct disputes from the customer and/or indirect disputes from a credit reporting agency regarding as of today, March 23, 2023. CPS has forwarded part of the complaint to our Credit Reporting Response team. Per their investigation, they have concluded that CPS furnished an accurate account status on January 03, ****************************************** full as of December 13, 2022. The Credit Reporting Response team has sent an additional report to correct any incorrect information on the tradeline that the credit reporting agencies may be reflecting. Please note, CPS has no control over how or when the credit reporting agencies report this update. For more information, or further explanation on Tradeline reporting,you may contact our Credit Reporting Response team at ************.

• Initial Complaint

  Date:03/15/2023

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Hello,I have an auto loan with consumer portfolio services (cps). I have had some difficulty keeping my payments on time with loss of income due to Covid. I brought account current and my new payment comes due on the 17th of each month. When I applied for the loan I had to give 3 contact/references. This morning ****** with cps called one of the contacts I listed from **********************. I am not 30 days delinquent on my account. It is harassment to have them reach out to one of the contact, when I am not officially late. I have not received any calls or voice messages from them directly about my account. In addition, I have made 3 requests for them to stop contact me on my work email and gave my personal email as primary and only email. I still continue to receive emails from them. I know CA has laws on collection policy, I hope this is reported and new training for their employees is established. Thank you

  Business Response

  Date: 03/20/2023

  Consumer Portfolio Services, Inc. (CPS) has reviewed the complaint and the account. CPS apologizes for any frustration the consumer has experienced. Our records indicate that the requested email was disabled from receive any future emails as of March 10, 2023. Please note, CPS has placed a cease and desist on the reference listed on your account as of March 15, 2023. A review of your account reflects a 28 day delinquency and currently due for the February 17, 2023 payment. For more information, or further explanation on the account, cease and desist on the reference, please contact the *************************** at ************. If you would like to speak to a CPS agent regarding your past due payments, you may reach out to our ********************** at ************.

  Customer Answer

  Date: 03/20/2023

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  *************************