Consumer Portfolio Services Consumer Loan Complaint

Consumer Portfolio Services Consumer Loan department,

Vehicle loan Problems when you are unable to pay Maryland

I fell behind on my auto loan payments with Consumer Portfolio Services. On - -, -, I spoke with a department supervisor and agreed to make a payment of $1100.00 on Friday, - -, - and that would avoid a repossession of the vehicle. I was told that after that payment, I would need to make arrangements to correct the remaining outstanding balance of $1100.00. I asked if they could give me anything in writing so that I would n't make this payment that we agreed upon and the agreement not be honored by CPS. I was told that they could not put anything in writing. I was told by ( - -, Supervisor ) that once a payment was made on a pending repossession, that CPS wasrequired by law to halt the repossession and allow the customer to remedy the situation. On Friday the -, I made the agreed upon payment of $1100.00 and confirmed receipt of the payment with a representative over the phone. On Sunday morning, somewhere between - and -., the vehicle was repossessed. I called CPS on Monday to find out what happened. I was told by - - that the vehicle should not have


to speak with the Recovery Department. I spoke with the Recovery Department on Tuesday, - -, - and was told that they would review my case and contact me within 48 hours. I did not receive a call back, and tried on numerous times to contact them. I left numerous voice messages over the course of the next couple of days and never received a call back. A few days later, I received a letter dated -/-/- which was a " Notice of Our Plan To Sell Vehicle. '' I left numerous messages on the number that was given but my calls were not returned. I reached out again to - - and explained that the people in the other department would not return my call. She had - of her department persons walk to the - department and place a note of explanation on someone 's computer monitor. I still did not hear from that department. Today is - -, -, and I received another " Notice Of Our Plan to Sell Vehicle '' stating that the vehicle will be sold at a private auction on TOMORROW, - -, - at - My requests for a phone call have not been honored, the vehicle should never have been taken, and I should not be penalized with an unjust repossession on my record, especially when I paid the amount agreed upon in order to stop the repossession. I discovered that this same company just paid out $5.00 - in - to the FTC for the same practice that they are doing with me now ... ( " CPS is also charged with failure to establish and implement reasonable written procedures and failure to reasonably investigate and respond timely to consumer disputes under the Furnisher Rule '' ) Here is the link : https : - This is totally unfair to me as a consumer.