Customer ReviewsforConsumer Portfolio Services, Inc.

Apparently the standard for this company is to make paying the entire and final amount as difficult and costly as possible. Difficult and in some cases impossible to reach an English speaking representative. The clear company policy is to give incorrect pay-off information and then once payment it made wait a month to spring up with extra charges because the actual pay-off is “late”. Even after double and triple checking, they will misdirect you so that they can capture fraudulently that extra 300-600 dollars in fees and interest.

Let me tell you about my experience with CPS. It’s been several years and my situation is MUCH better than it was at the time. I got four-year loan from CPS for a used car. The interest rate was high, but I understood with a Lower credit rating that’s how things are. My last payment was about $380. They added some late fees or something which honestly probably were legitimate to close the loan. The total came about 650 bucks. I sent them a cashiers check for the exact amount and mailed it to them. On their website, they stated that when you make the last payment, you’ll have to wait 45 to 90 days to receive your title. I went in to work overtime day and came out and my vehicle was gone! I called The police thinking it was stolen and they said that it was repossessed. Between the fees and the tow company had it was about $1700! I have no idea how they came to this number but they said I had 24 hours to pay it otherwise it would be sold at auction. I couldn’t come up with the money in time and my Vehicle was gone. I went to the bank and they said that the cashiers check was never cashed. I spoke to an attorney thinking I had some sort of case or claim. He said that, unless I sent it through certified mail to prove that it had went there there was nothing they could really prove. Fast-forward to about a month or so later when I already had another vehicle. I get an envelope wrinkled up with what do you know, My cashiers check still in. It has a CPS stamp saying “delivered to wrong address”. This was the same address I had sent every payment since I got the vehicle. In retrospect, I should’ve sued, but I didn’t. They Intentionally withheld cashing the last check or they lost The envelope and then acted like it wasn’t their fault. The fact that they never gave me a call to say I was late or I missed my last payment makes me think. I know people have to have a car, but if you can do anything to avoid using CPS do it.

The employees even the ones in customer service except for one person in this entire business are some of the most ignorant people I have ever dealt with I even had one of their customer service employees tell me that because I wasn't getting my way she wasn't going to let me talk to a supervisor I have all this stuff saved in my phone and my emails one of the worst companies ever if I didn't need this car I would totally just let it go

Consumer Profolio is the worst!! Would not release my tittle until I paid them 602 in late fees!!!! Stay away from this company!!!! Interest rates are high!!!! But I got you paid off and now Cps can go to ****???

Worst - do not use! Customer service is terrible! They don’t treat you with respect

my car was stolen and totaled out December 12th . My insurance company and myself have reached out to this company over several times requesting the title , every day its a new excuse i would never recommend anyone to finance through them . they are so quick to call you 24 hours of being late on your payment but cant even do their job to get a loan closed

Company breaks several laws and is very deceptive. My bill is due the last day of the month and calls begin to come back to back to back. Even if I have spoken with someone there is no 24 hour wait period for them to contact you again. They will call everyone on you referral list on day 10 regardless of you having communication with them or not. If you are 1 day late you are threatened with your account being escalated for repossession when you are no where close to being even a month behind. I have learned to began to record my own phone calls as they do since I do live in a one party state for my own records. Several FDCPA and consumer laws are being pushed to limits or even broken with this company.

I wasn't late back in 2020 but I requested a voluntary repossession because of the economy and my job situation. Covid was rampant. They tried their best to talk me into keeping the vehicle. I stated no. I received the letter via email the same day to approve the repossession. It took them three additional months to pick up the vehicle. Once they got the vehicle, they sold it for what it was worth and this left me with a $1200 balance which was the late fees and missing car payments from after the repossession. Not only did I not pay it, they charged it off and sent it to another debt company. Which I payed them 10 percent of the amount when I should not have to have paid anything. So now, they will not remove this information from my credit report. Placed a big ding to it. If you are desperate to obtain a vehicle, go to a buy here pay here lot. They will treat you better than this.

0 starts of possible. I should’ve waited to get a car loan. I was in an accident in dec 2022 and was carless for 6 months because my credit was low. I stumbled across CPS and they seemed like the perfect place to get a loan. Now I regret it there was a 9k fee added on to my loan and every time I pay it says I’m either late when I’m not. I get several calls a day from them starting at 8am it’s exhausting I receive threats of repossession or for them to send it to bureaucracy. I’m so young and I’m stuck dealing with them. I regret not listening to my growing age told me don’t do it. I don’t know what else to do. STAY AWAY ONCE YOU SIGN YOU ARE IN IT FIR THE LONG RUN ITS A SHANE THEY SHOULDN'T BE IN BUSINESS. They make there money off people who are in need of help that’s why they qualify just about anyone.

This has absolutely been the worst company ever. They will have you paying for a vehicle 8 or 9 years that you only financed for 5. If you get in a bind or fall late you are absolutely*****--. There will be repercussion somewhere down the line for them