Threatening calls
Complaint
Iline
Country: United States
They call me at all hours of the day. I am on a maternity leave and they have been calling my office every day. They accuse my coworkers in lying and covering for me because they say that I am on leave. I tried to talk to them but they are threatening me with police and say they will take my vehicle.
Comments
!
pissed
Swtsinkisses@yahoo.com
1. I got behind a month, so i called them and went through an interview in which they agreed to place that month's pyment to end of loan. But i cont to receive threats of repossesion. I called them back to explain their error. Their reason? They said they changed their mind!!!! I said they cant do that but they argued it was their right, after reviewing the agreement.
2. Ive asked to change the due date, but they said impossible. But--they said their loans come with a 10 DAY grace period. However, when i attempted to "use" the ten day window the harrassment started up again.
3. I was advised by their cust svc dept to pay extra on my loan each month because that would go towards the premium, and pay off the "back end" of my laon. BUT, after several months, i noted that my payoff amt had not moved a penny! I called them, but they ReFuSeD to explain!! They said they,d mail me a copy...which they did, but there was absolutely no way to decipher it!
4. I have told them to NEVR call me at work, and of course it never stopped. At one point, they finally said the ONLY way to stop the calls (many of which were not even late, according to their grace period) was to fax them a letter... Then i was told they could not find the fax number!!! They promised to get me the number, but of they never did.
5. They are RUDE, rude, rude and they lie, lie, lie.
Don't they send statements, and require that any late fees be paid when incurred, or do they just come up with another bill at the end, when you thought you paid it off, and say you owe it?
They have called friends, family, co-workers and they have no problem harassing them for information or even payment on our behalf. Mind you, this is once the payment is 3 days past due because our pay date is not until a Friday. We got saddled with them because when my husband and I were young, we were stupid with our credit and had been working to correct it for years. Purchasing this car was another way to create a good payment record. CPS has not reported to the credit bureaus since we obtained the loan, but we have over $1400 in late fees. This is in part due to them changing our due dates so frequently without notice.
We are at the point, we pay through the website, we document every payment and confirmation number and track our own payment schedule. We have a copy of the purchase documents from the dealership and any communication received from CPS, which have only been statements. If I do make the mistake to answer the phone when they call, I simply place them on hold until the hang up. Figured if they have the right to be ugly, I have the same right. I have also gone as far to advise that I record conversations for future use and use my cell phone. As long as I tell them, the calls tend to be short - but you still gets those that just don't care. We plan to pay off the car with our next tax return and after reading the documentation above, we will make sure that we do it very carefully.
mrsannme@comcast.net