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:04/04/2025

  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.

  On March ******* my car was repossessed from my place of employment. Unaware that the vehicle was repossessed I called my local police department in which I was informed that my car was repossessed. the following day April 1, 2025. I reached out to Peritus portfolio regarding the repossession. My car payment is due on the 20th of each month I pay my car payment on March 24 at 12:02 AM. It cleared my bank on March 26 and again my car was repossessed on March 31 when I spoke to someone on April 1 they come informing me that their systems were down and then I will need to call back within an hour. I did such every hour or two on the hour they were unable to help me on April 1 . April 2. I begin calling at 9 AM this time I was informed that they dont have an update on my car. Ive been proceeded to call back again, for the third time that day still no update the fifth time that I called I informed them that my payment was removed from my account on March 26, and I called on March 24 at 12 AM through the payment system that they provide, however they did not receive that payment so thats why my car was repossessed on 31 March. I called Three more times after that and that person told me that she did see my payment, and she didnt have any further updates as to where my car had been tow to. on Wednesday, April 2. I called twice the morning of still no updates. Around 11 AM I was a Finally informed to where the vehicle was towed after I informed them that I had (seizure) medication that I have gone two nights without due to a prescription that I recently picked up that day that was still inside of the vehicle thats when I was in form that my car was illegally repossessed, as of today April 4 I still do not have possession of the vehicle however, its still more continents to follow this statement, but Im out of characters Space I am extremely frustrated with this matter and thinking about pursuing legal actions.

  Business Response

  Date: 04/22/2025

  Thank you for bringing this matter to our attention. We appreciate the opportunity to address your concerns regarding the recent repossession of your vehicle.

  First and foremost, we sincerely apologize for any distress or inconvenience this situation has caused. After reviewing your account, we understand that a payment was submitted on March 24, but unfortunately, it did not post to your account due to a technical issue within our payment processing system.

  Please be assured that we take these matters very seriously.We are currently investigating the system issue that caused the delay in posting your payment. We understand that you made a good faith effort to keep your account current, and it is never our intention to penalize customers who are actively working to meet their obligations.

  As a result of this incident, we are taking the following steps:
  Reviewing and adjusting your account to reflect the payment made and any impacts from the repossession.
  Waiving any repossession- related fees and working with you to rectify any inconvenience or disruption caused.
  Enhancing our payment processing protocols to prevent similar issues from occurring in the future.
  
  We are committed to working directly with you to reach a satisfactory resolution. Please contact our customer service manager, Mrs. ****** at ************ or email ****************************************************** so we can assist you further and ensure your concerns are fully addressed.

  
  Again, we apologize for the inconvenience and appreciate your patience as we work to resolve this matter.
  
  Sincerely,
  ******* Blade
  Compliance Manager
  *****************************************************************************************************
  ************

• Initial Complaint

  Date:03/18/2025

  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.

  My old auto lender ************************ got bankrupt and I got a letter saying the new lender is now Peritus Portfolio services. The problem I have with the new lender is that I have no idea if they are a legitimate auto lender or not. I have been making monthly payments, and would like to close out my account however, after trying to get a hold of them mulitple times, the operators that I talked to, do not provide me with any information regarding the account (they try to dodge questions) To make things worse, when auto dealerships run my credit, they see that I have no active auto loans. They see that there was a closed account for ************************ which is the company that went bankrupt and no other open auto loan accounts. To make matters worse ,looking at the reviews in BBB for Pertitus Portfolio services makes me even more suspicious about the legitimacy of this company. I really want to settle my loan however I just don't feel confident to write a BIG check without knowing if this company is really the lien holder. I need some reassurance from BBB that Peritus Portfolio services is in fact the auto loan provider. i need to make sure that when i write a check, that I will not get scammed. Finally going back to the reviews for Peritus Portfolio, I am reading that it takes months to send a lien release which is absolutely unacceptable. My car is currently totaled and it is sitting in a driveway. I want to get rid of it fast however I need the lien release in several weeks not months. Please let me know your findings.

  Business Response

  Date: 04/01/2025

  In November 2023, Caspian/****************** declared Chapter 11 bankruptcy. Consequently, effective February 1, 2024, Peritus Portfolio Services was assigned to service the portfolio by the bankruptcy court. Total Auto Finance mailed clients a letter in January 2024 explaining that Peritus Portfolio Services would take over account servicing effective February 1, Peritus mailed clients a Transfer of Service letter as well. 

  Note we do not report to the three major credit bureaus, which explains why dealerships are unable to locate the debt on your credit report; however, we can provide a letter of credit that outlines payment, rate, and payment history. 

  Additionally, as you noted that the vehicle is totaled, we are prepared to offer a settlement that is less than the outstanding balance. Please contact our Collections Manager, **** ****** at ************ to discuss this matter further.

  You can authenticate our company, Peritus Portfolio Services II, LLC, by checking your states official website.

   

  We appreciate you bringing your concerns to our attention.

   

  Please feel free to contact me if you have further questions or concerns

   

  Thank you,

  ******* Blade

  Compliance Manager 

• Initial Complaint

  Date:03/12/2025

  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.

  I am writing to formally lodge a complaint regarding an ongoing issue with my Peritus car loan. My original creditor has recently gone bankrupt, and as a result, I am left in a challenging situation regarding my payments.Despite my efforts to make timely payments, I have been making payments to a company that claims to have no record of my loan file. This company has additionally requested double payments, which I find both confusing and concerning. I have attempted to resolve this matter directly with them, but my inquiries have gone unanswered, and I am unsure where my payments are actually going.Given these circumstances, I believe it is necessary for my case to be investigated. I would appreciate any assistance you can provide, whether through mediation or guidance on how to proceed with resolving this matter.Thank you for your attention to this pressing issue. I look forward to your prompt response.Sincerely,****** *****

  Business Response

  Date: 03/21/2025

  A thorough review of your account details reveals that on January 26, you requested a loan modification to lower your interest rate and monthly payment from $495 to $400. A Peritus Portfolio Services account manager contacted you on January 29 to inform you the modification was approved, contingent upon you making a payment, and explained the need to sign and return the emailed documents promptly. We have yet to receive the signed agreement. However, despite numerous attempts to contact you for the signed agreement, we were unsuccessful reaching you. Please note that changes to the payment amount will not be possible until the signed agreement is in hand. 

  Additionally, we have not received a payment from you since January 29. 

  As a part of our mission to assist our customers, it is essential that you contact our Collections Manager, Ms. ****** as soon as possible to prevent any issues.

  Should you have any questions, please do not hesitate to contact me.

   

  Thank you,

  ******* Blade

  Customer Answer

  Date: 03/31/2025

  I have made all payments including the amount that was in the rears.  I have uploaded proof of the payments. Peritus continues to say that they have not received the payments.  I currently have a notice from them stating that I havent made a payment for January, February nor March.  Please see attached documents. Im current up to March which is when I filed the complaint. 

  Customer Answer

  Date: 04/01/2025

  I am rejecting this response because:   

  Business Response

  Date: 04/03/2025

  We appreciate you bringing this to our attention, and we sincerely apologize for any confusion or frustration this may have caused.Ensuring accurate records and clear communication is a top priority for us, and we would like to resolve this matter as quickly as possible.

  Following a comprehensive review of your account and the bank statements you provided, we have determined that a $495.30 payment made on November 30, 2024 was not applied to your account. We have since rectified this issue, and the payment is now reflected on your payment history report.

  Please reach out to our collections manager, **** ****** at ************ to review your account and discuss a new modification agreement.Kindly note that your payment will remain the same until we receive the signed agreement.

  For your reference, I have attached your original contract and payment history report for your review.

  
  
  Thank you for your patience, and we appreciate the opportunity to make this right.
  
  
  
  
  Best Regards,

  
  ******* Blade

  Compliance Manager
  
  
  
  CC: Payment history
         Purchase contract 

• Initial Complaint

  Date:03/11/2025

  Type:Service or Repair 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.

  You repossessed that car two months ago.Can you remove me from this list?

  Business Response

  Date: 03/18/2025

  I appreciate you bringing this matter to our attention: please accept our apologies for any inconvenience this may have caused. Our standard procedure dictates that this feature is disabled in the event of a vehicle repossession. We have accordingly deactivated this feature on your account, and you will no longer receive notifications regarding scheduled payments.

  Please don't hesitate to contact me should you have any further inquiries.

  Thank you,

  ******* Blade

  Customer Answer

  Date: 03/18/2025

  I have reviewed the business response and accept this resolution. 

• Initial Complaint

  Date:01/30/2025

  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.

  I was informed by employees of Peritus that my loan could be modified given it was bought pennies on the dollar in the bankruptcy of the prior loan holder, Total Auto Finance.When reaching the final steps with the employees handling this they attempted to send me a final file so sign that would improve my loans terms dramatically from a predatory interest rate to 0%.However something blocked their email to me repeatedly and despite attempting over 5 different email accounts they could not send me the file and blamed me for having some security software which I repeatedly stated I do not have. Then, they refused to send me said file by mail. Clearly there is a lack of technological awareness in this team, and I ask that this be addressed as the loan terms I have are oppressive to my financial situation.Primarily technical support for your team would be the most advised, secondly, a mailed form would suffice if that cannot be done for some strange reason.I hope this can be addressed swiftly, otherwise I will be seeking alternative refinancing options or legal options.

  Business Response

  Date: 02/06/2025

  Thank you for notifying us of this issue. We regret the confusion and technical difficulties that arose while sending the agreement via email. We have contacted our IT department to investigate and resolve these issues, ensuring that this not recur. On January 31, 2025, a revised Modification Agreement was sent via mail, along with a return envelope for your convenience. The agreement terms conform to your requested specifications. Please review, sign, and return the agreement at your earliest convenience to finalize on our end. 

  Providing superior customer service is our primary objective at Peritus Portfolio Services.

  Please feel free to contact me with any questions or concerns.

   

  Thank you, 

• Initial Complaint

  Date:09/09/2024

  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.

  I paid my auto loan on 5/1/24, was transferred to Peritus Portfolio, who claimed to have the title and would send it out in 6-8 weeks. It is now 9/9/24 and after contacting them again, the two people I spoke to would not transfer me to a manager and told me again my title would be mailed out. They stated it was never sent to accounting on their end and it was my fault for not following up. They claimed to transfer me to someone; however, a lady from a health insurance company answered the phone. Im unable to inspect or register my vehicle without my title. I dont know if this is a legit company or if Ill ever receive my title to my vehicle which I paid off over 4 months ago. I need help.

  Business Response

  Date: 09/19/2024

  September 19, 2024
  
  REF: BBB Compliant # ********
  Peritus Portfolio Services
  ******* ******
  
  
  We apologize for the delay in resolving this matter, which falls short of Peritus Portfolio Services standards for prompt issue resolution. ****************** did not supply your title at the onset of loan servicing, and our efforts to obtain it were unsuccessful. To expedite resolution, we have mailed a lien release for your submission to the ***************************. A copy of the lien release is attached for your reference.
  
  
  
  
  
  Thank you for bringing this our attention, and please do not hesitate to contact me directly if additional assistance is needed.
  
  
  Regards
  
  ******* Blade
  Compliance Manager

   

   

  CC: Notice of Lien Release

• Initial Complaint

  Date:08/21/2024

  Type:Product 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.

  On November 23, 2024 I received an email from Total Auto Finance which the copy of it down below.*********************** From:******************************************** Unsubscribe Thu, Nov 16, 2023 at 1:47 PM Dear Valued Total Auto Finance Customers, We Thank you for your continued patronage. This is to advise you, in-writing, of closure to the previous back-and-forth between ****************** and the company representing itself as Peritus. BE LEGALLY ADVISED: ACCORDING TO A FEDERAL ORDER, PERITUS, ITS AGENTS, EMPLOYEES AND REPRESENTATIVES ARE TO HAVE ABSOLUTELY NO CONTACT WITH OUR CUSTOMERS IN ANY EFFORT TO COLLECT, HARASS, SCHEDULE PAYMENTS, ETC. If anyone is contacted by Peritus, after 12-Noon on November 15, 2023, please contact Total Auto Finance IMMEDIATELY with the following information: - Date contacted - Time contacted - Request from Peritus YOU ARE TO MAKE PAYMENTS TO TOTAL AUTO FINANCE ONLY. Total serves you with day-to-day customer service - ********************** does not. Total handles refinancing and your efforts to obtain a new vehicle - Peritus does not. Total is local to you, with easy ability to see us face-to-face - Peritus is in *****, provides NO CUSTOMER SERVICE and is only asking you for your money. In closing, there are times in corporate business where companies have legal disagreements. We have been in litigation and negotiations with a third party, who has retained Peritus.Peritus is prematurely contacting you, our valued customers, in an effort to undermine our business. Peritus does not have the authority to contact you and BE FOREWARNED, if you pay Peritus and your Total Auto Account goes delinquent, you SHALL be subject to immediate repossession. You have been advised. Respectfully Yours, Total Auto Finance Total Auto is out of business and even though this email said don't do business with them. I receive another email from total auto to send payment to them. i call to get my acct info in *********** no contact from Peritus so they repo my car today 8/21/24

  Business Response

  Date: 08/28/2024

  August 28,2024
  
  ******** ********
  ******************
  *******, MD 20601-3333
  
  RE: BBB Complaint # ********
         Peritus Portfolio Services Account #********
  
  
  Please be advised that I have carefully reviewed *********** concerns. Peritus Portfolio Services appreciates the opportunity to provide a response to your concerns.
  In May 2023, Ms. ******** purchased a vehicle from Caspian Auto (aka Total Finance). However, in November 2023 *******/****************** declared bankruptcy. Consequently, effective February 1 2024, Peritus Portfolio Services was assigned to service the portfolio by the bankruptcy court. Total Auto Finance sent a text message to Ms. ******** on February 1, 2024, providing the transfer information. Peritus Portfolio Services also mailed a Transfer of Servicing letter as required by Reg F on February 7, 2024.  Our last conversation on February 26, 2024 took place when she contacted our customer service team to obtain payment information and request an extension until March 1st. Despite numerous attempts to contact her since that time, our calls were consistently met with either hang-ups or diverted to voicemail, and we had yet to receive her payment. Non-payment led to the repossession of her vehicle.
  
  Please let me know if you have additional questions or concerns.
  
  
  Regards,
  
  
  ******* Blade
  Compliance Manager
  
  
  CC: Transfer of Service Letter
         Text Message from Total Auto Finance

  Customer Answer

  Date: 09/07/2024

  I am rejecting this response because:  They lying. I been paying my car note until Total Auto went bankrupt. I never recieved a text from Total Auto about bankrupt. I recieved a email which i have attached all documents. If i had recieved the letter on 2/7/24. why would i b calling on 2/20/24 for account info. i have a record the conversation and I never once mention an extension. Im try to send the recording over for you to hear. I call again in March on the 8th because i still didnt get the letter and i was told to wait on it. then my car got repo on 8/20/24. I didnt get my account info until the day my car was repo. I end up making arrangements to pay for my car on 8/26/24. I recieved an letter on 8/30/24 postdated 8/21/24 the day after my repo they planned to sale my car. I then call the tow place to get my property cuz this company is not following regulations. They told me my car was transported to the auction lot and the my property was still in the vehicle. Peritus instructed them not to take my belongings out and only remove my tags. on the noitce to sell my car it stated i had a contract with them in May 2023 i dont have a contract with them. And the balance on the statements incorrect also. I like for them to show me my full payment history. And i need proof that i ask for an extension and proof that i agree to that extension. I need payment installation documents from Peritus.

  Customer Answer

  Date: 09/12/2024

  I realize from the email that Total Auto Finance. They used their number under Peritus and the letters is from Total Auto Finance and not Peritus. I attach the website for both company and you will see the number for Peritus is not on any of the letters that was sent to me with their letterhead. And the letter dated 2/7/24 suppose to be my transfer of servicing letter but it look more like a bill from a bill collector. Total Auto Finance and Peritus Portfolio Service are scamming customers. I have a recording  of me calling customer service about my car being ***o after i got the number from the tow company. I was telling the *** I was instructed in March to continue to wait on the letter with my account info. I ask the *** what was my account info and she ask me why do i want it The *** even stated on the recording that i did call and they suppose to send me a payment link in Feb. I will send over the recording from the conversation. In response from the company they said I call to ask for an extension on Feb 26 I never call on that day. I call on 2/20/24 and 8/8/14 If i. did call do they have a recording of that conversation. On my recording I never ask for an extension. On 8/26 I call to make payment arrangements. I was talking to ****** who gave me the info for E cash and also email me an reinstatement letter. On 8/30 I received an letter postdate for 8/21 that Peritus plan to sell my car which was the day after my car was ***o. So i called to ask why i wasnt notified about the letter when i made arrangements to pay. On the letter is stated that the auction was a private sale. And the auction was schedule for 9/10/24  but vehicle was transported to the auction on 5/5/24. I had to drive 1hour and half to the auction lot to retrieve my property but was 15 mins away to pick up my tags from the tow lot. Which didnt have their correct  address listed. When i ****** the company it listed 4 locations, but all location had an ********* md number and the location was in *****, ********, ** and *********. The address on the listing show an Baltimore address not ******** **. I never received my transfer of servicing letter which the company is in violation, I never received anything from this company. They said they call in the past dont have no phone records for them. If telephone communication wasnt working. They shouldve sent a letter or email so they can have a paper trail. All the correspondence they sending me is after my car was ***o. I been making payment on my loan from 6/20/23 to 1/20/24 with ****************** until the company recently went bankrupt. If Peritus is my allege lienholder why would i default on my loan now. I investing in alot of money for this car so why jeopardize my loan, The company know they didnt follow regulation. And on one of the letter i hightlight a notice i saw Saying They user didnt have permission to perform this operation and to seek assistance from dealer center admin. So im guessing those letters are fradulent documents. I have more documents to sent but BBB only limit to 5 files. I will be pursiuting legal action to both company. 

  Business Response

  Date: 09/18/2024

  RE: BBB Complaint # ********
         Peritus Portfolio Services Account #********
         ******** ********
  
  I regret that the issue remained unresolved after our previous response; however, it allowed for further investigation into Ms.********* complaint. Confirmation of Ms. ********* receipt of the February 8 Transfer of Service letter is not possible due to limitations in tracking mail.However, I verify that Ms. ******** had necessary information to contact our office on February 26. As our calls are recorded and monitored for quality assurance and training purposes, I thoroughly reviewed all relevant calls and summarized my findings below:

  On February 26, Ms. ******** contacted our office and spoke with an account representative in our office regarding a payment extension request until March 1st. The representative explained she need to consult with a collections department account manager and attempted to transfer the call but was unable due to a high call volume. Instead, he offered to take her information for a callback. Subsequently, on February 28, an account manager called ************ and left a voicemail with our toll-free number. On February 29, an account manager left another voicemail; An account manager attempted contact on March 5, 6, 7, 8, 13, 14, and March 27, but only received voicemail, which was unable to accept messages due to being full.  We again made a call on April 26, only to receive a recorded message stating currently unable to receive calls, indicating our calls were being blocked.
  
  Our office made several attempts to connect with ************ which went unreturned. It is note worthy that Ms. ******** initiated several contacts with our office subsequent to the vehicle repossession.
  
  This update should alleviate any questions or concerns

   

  
  
  Best

  
  ******* Blade
  Compliance Manager

  
  

  Customer Answer

  Date: 09/18/2024

  I am rejecting this response because: They are still lying because I call only on February 20th on my payment due date and March 8th the week before my next payment due date. I have on recording which I hope the file will open and you can hear the conversation. The lady stated they dont have males working at thier ********* why is it state that the *** is indeed a male on their response back. I never called on February 26th about no extension for payment. I didnt get the letter on february 8th. The last response they said the letter came on 2/7/24. I would like to request that audio of me asking for an extension email to me and  can they send it to yall for proof. I never received calls from them as I goin to have my phone record pull for those dates they claim they call. They in violation because on the recording u can hear  *** states they support to send me my info. Can they send me documentation of the allegedly payment extension and the amount of the payment? If the calls option wasnt successful why other options like emails or letters wasnt used. How come on both of these letter I receive have Total Auto Finance number on them and not Peritus Portfolio Services  number? Why on one of the letter sent to me at the bottom is a red quotient **** and a note saying The user didnt have permission to perform operation and to call the dealer center admin for assistance. Can they send me my signed contract with ******* since the letter states I have one wih them since 5/2023? Can they also send me my payment history because on their bill collector letter the balance is incorrect. Can they tell me why they not listed on my title? Can they show me some late payment letters? On the recording  day of 2/20/24 when I ask them can they tell me when they call. Both ***s couldnt answers that. They couldnt tell me the day the letter was mail out. I been paying my car loan from june 2023 to Jan 2024 until ********** went bankrupt in febraury. Why would i not pay my loan. I invest into much money for this company to scam me for my car. If i had the necessary document and info payment would been made. Peritus know they never sent out that letter with my info for payment. I believe ****************** sent out that those letter that why Peritus customer ******************** number not on them. How can Total Auto Finance used their numbers on Peritus letterhead. I need someone from the legal side to check out those letters it could be fraudulent. I will continue to seek legal help on this matter.

• Initial Complaint

  Date:07/10/2024

  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 paid off my car in full in March. The company claimed I did not pay it off and asked for 870 or else they will repose my car for not paying a release fee that they never told me about. **************** is very rude and demand payment or else they will take my paid off car.

  Business Response

  Date: 07/12/2024

  ****************************

  Please accept our sincerest apologies for the confusion regarding your payoff balance. Peritus Portfolio Services is the loan servicer for ***************************************. Peritus Portfolio Services is dedicated to providing exceptional service and accuracy in our records. However, our system failed to reflect the correct total balance of ****************** Services when you inquired about it. Our records indicate no such $870 release fee on your account. The $870 in question represents the payoff difference as communicated by your lien holder.

  We pride ourselves on providing exceptional customer service, which sets us apart as a leader in this industry. Please feel free to contact our ********** ***** or me if you have any additional questions or concerns.

   

  Thank you for bringing this to our attention.

  Regards

  ******* Blade

  Compliance Manager

• Initial Complaint

  Date:04/08/2024

  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.

  I made a previous complaint with a company that supposedly went bankrupt and this is the company they stated we pay our financial monthly loan payment to. I am filing a complaint because I don't think its a real company due to the fact that every time I speak with someone there they never know my remaining balance but claims they have all the documents and customer files from the ******************* place that went bankrupt. The representative just keeps telling me my loan balance not my remaining total so that is odd to me that they don't know nothing other than that. Please help with this case because I don't want to keep paying them if its not even going to my loan. I found it odd that before the ******************* company closed down they kept sending emails about not paying the Peritus company but yet when they went bankrupt they send letters saying to pay them.

  Business Response

  Date: 04/16/2024

  WE HAVE ATTEMPTED TO ADDRESS THE COMPLAINT AND HAVE EMAILED ***************** WITH AN OFFER TO MAKE ADJUSTMENTS TO HER ACCOUNT THAT SHE FEELS ARE NEEDED.  WE ALSO SENT HER A COPY OF THE BANKRUPTCY COURT ORDER NAMING PERITUS PORTFOLIO SERVICES AS THE SERVICER FOR TOTAL AUTO FINANCE WHO IS IN A CHAPTER 11 BANKRUPTCY.  WE ARE WAITING FOR HER RESPONSE

• Initial Complaint

  Date:09/15/2023

  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 told by ********************* who was assisting for well over a few days that Peritus Portfolio did NOT receive a payment in the month of May. I sent what she requested, a bank statement from Navy federal showing payment 5/1 and a Chase statement 4/28 payment. ******, also asked for a transaction number in which I told her that Navy Federal says there is not one after payment POST- the statement shows Peritus, the amount, the date and paid. Yet she ignored that along with attached document from NAVY federal showing it was paid. She then spoke condescending and basically KEPT referring to the Chase payment which we are discussing payment sent, paid and received in May (5:1) via Navy Federal and she is just ignoring giving me credit, I requested an escalation days ago nothing. So, they see I paid them and they have proof yet they ARE REFUSING TO CREDIT MY ACCOUNT. Unethical and illegal

  Business Response

  Date: 09/20/2023

  The complaint is that Peritus does not show posting of payments in May. We have reviewed her Chase and ***************** statements and they line up with payments posted. Chase shows payments on 4/28 and 4/29 to Peritus for $234.99 and $44.17 respectively. Both were posted to our system on those days less the $4.99 convenience fee. Her ***************** statement shows a payment of $379.99 which posted to our system on 4/28 less the $4.99 convenience fee. Again, all payments have been credited to the customers account on the day she paid us. The customers claim is that some additional funds were paid to us on 5/1 (the date her payments from 4/28 and 4/29 hit her credit card statement). ********** did not call Peritus on 5/1 and she has not provided evidence to support a payment was made on 5/1 in addition to the payments made on 4/28 and 4/29. 

  Customer Answer

  Date: 09/20/2023

  I am rejecting this response because:   I have provided TWO bank statements  one for CHASE in which they reference above as well as NAVY FEDERAL DOCUMENTATION STATING ACCOUNT WAS DEBITED 5/1 ALONG WITH THE **** STATEMENTS  THEY ARE COMPLETELY IGNORING THIS. WHICH IS ILLEGAL AND UNETHICAL 

  Customer Answer

  Date: 09/22/2023

  I have sent this and 5/1 ***************** statement to ********************* well over 5 times so that Peritus can update my payment.  They are only addressing my chase account and completely ignoring payment for 5/1 this is illegal and unethical. 

  Customer Answer

  Date: 09/22/2023

  I have sent this and 5/1 ***************** statement to ********************* well over 5 times so that Peritus can update my payment.  They are only addressing my chase account and completely ignoring payment for 5/1 this is illegal and unethical. 

  Customer Answer

  Date: 09/22/2023

  I have sent this and 5/1 ***************** statement to ********************* well over 5 times so that Peritus can update my payment.  They are only addressing my chase account and completely ignoring payment for 5/1 this is illegal and unethical. 

  Customer Answer

  Date: 09/22/2023

  I have sent this and 5/1 ***************** statement to ********************* well over 5 times so that Peritus can update my payment.  They are only addressing my chase account and completely ignoring payment for 5/1 this is illegal and unethical. 

  Customer Answer

  Date: 09/22/2023

  I have sent this to *********************, well over 5 times in a two-week period. She is refusing to address or apply 5/1 Navy Federal Payment. This is illegal & unethical.

  Business Response

  Date: 09/26/2023

  Update: On Friday, 09/22/2023 ********** called **********************The President was at her desk and he took ************ call. He explained to her that Peritus has posted all of the payments from the dates she had questioned (4/28-5/1) and that the posting date on her bank statement is not the paid date. She confirmed she understood. ********** apologized for the misunderstanding and thanked ****** for all of her help and patience in settling this matter.