Consumer Portfolio Services Consumer Loan Complaint

Consumer Portfolio Services Consumer loan department,

Vehicle loan Taking out the loan or lease Texas

For the - time in my life I purchased a car. I was advised by the dealership here in Texas that CPS was financing the car. That was -. As of today, -, I have yet to receive ANY documentation from CPS. However, today I did receive a dept collection call from them because the - payment was due - & I was late. I NEVER knew the payment date & the dealership was n't certain of the actual monthly amount. Back on -, my wife scanned and emailed a copy of the receipts for the down payment, a complete copy of the contract we received, and pictures of the interior and exterior of the car. The reason so is because when I received a call from the CPS processor I was advised the car had leather interior and a - stereo system. This is n't the case at all. My wife and I were very concerned and have tried desperately to get a copy of the paperwork the dealership submitted to CPS. CPS has failed to provide us with anything even the monthly statement. Then, when we made the payment today we were charged a fee of over $12.00 for - - although my wife paid with her debit card. When we call we 're dealing with the automated system, and when we do get someone it 's always a processor or operator that ca n't help us. When they tell us we 're being transferred to the CPS branch it just goes to the automated system and back to another processor. We are concerned we 're paying for vehicle features we do not have. And, to make matters worse, we recently learned ( the manager of the dealership slipped up and told us ) he added additional income - check ) to the paperwork. I do n't receive a - check at all. I have never dealt with anything of this nature in my life.