Threatening calls

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Complaint

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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

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  • 0
    LYNN
    | 1 reply
    To all posting comments:
    I agree with John - All you have to do is pay your bills-If this is a sub-prime Co - you ought to be glad someone financed you to begin with. Look at the comments that followed Johns opinion and how nasty they were. If this is how you handle things then no wonder they cant be NICE to you. It's all about accountability and responsibility people- You borrowed the -money to get what you wanted Pay It Back.
    • 0
      tj replies to LYNN
      They have complaints reporting harassing calls even when payments are made timely.
      They also have complaints of harassing calls to relatives, over paid off car loans.

      That goes beyond "subprime" to predatory.

      Best advice:  if you want accountability, mail your payments certified, track Post Office delivery date via the USPS website, and if you are harassed over "late" payments you know they have actually received on time, get an attorney.

      Set them up.
  • 0
    Lynn
    You Go Boy!!!!!!
  • 0
    shelia kay
    If you have never been in a sticky situation or a storm , your day is coming. And when it does comes put your two cents in then.  Giving a loan to less fortunate people comes with late or no payments, come on.  They search these peoples credit and give thems loans because they know that no one else will so they can intimate and harrass them. Most people are struggling because of something has happened in their lives, they just don't pay the bills because they can, they don't because they don't have the money.  Instead of harrassing those kinds of people they should not give the loan.  Don't judge other people!!!
  • 0
    lillady24
    | 1 reply
    CPS are big harrassers. My payment due date is on the 9th and they call me on the 10th asking if I'll be sending in my payment. They dont take it very well when I tell them its already been mailed. They constantly call my phone and soon start to call my references. One time a fee showed up on my bill and I called to inquire about it. After being hung up on a few times, I finally got an answer from someone. They told me they came to my house and left a note and left a message with my neighbor to call them to collect on my account. So they said they are charging me for coming out because they couldnt reach me. First off, I didnt return their call because they are only harrassing me over a late payment that wasnt officially late yet because everyone knows you have a 10 day grace period. Regardless if its in the mail box on the way to them or I choose to pay it online between those 10 days, I am still entitled to those 10 days. How about confidentiality????? I didnt authorize CPS to knock on my neighbors door and they are not one of my references to contact. There was no note on my door stating they came out and they told me someone must have taken it. Huh????? CPS is full of mess and I wish I would have done some research before receiving a car loan from them. Big NO NO!!! They are harrassers, unprofessional, and rude representatives. And it doesnt help to try and get a manager to help you because they are all the same!
    • 0
      Kim replies to lillady24
      Oh another thing this company did was change my due date without any authorization from me. My payments from the day i got my lona were due the 23rd of the month. When my loan was taken over by CPS I was sent a letter saying there would be no change in my due date then about 4 months after they took over the loan I started getting calls arounf the 10th of the month asking where my payment was. I told them it wasn't due until the 23rd and they said the due date was the 3rd. I told them they were wrong and they said I requested the change. Why in the heck would I do that when I have rent due at the beginning of the month? They refused to show me any proof that I requested the change nor would they put the duie date back.  Yea this is all my fault right. Until any of you who are out there pointing fingers at us are dealing with these people yourselves I suggest you don't make comments about things you just don't understand.
  • 0
    Kris
    They just called my work and spoke with a co-worker and told this co-worker that they were coming to repossess my vehicle. I called them back to complain about this practice, was put on hold twice and diconnected twice. The third time I called, I informed them I am pursuing their practice of collection. I have contacted an attorney on their practices and will fight CPS on their unfair practices. This type of collection has gone on long enough.
  • 0
    Brent
    Unfortunately I have been dealing with these ppl since 2004.  Not only are they not willing to work with you on any matter whether it be deferrments, refinance, or need to make a payment just a little late.  They said that I made partial payments even when I was in the military and had the monthly payment with held from my paychecks!  When I talked to the managers about this situation the response was "sue us you will lose just keep paying or we will take the car."  I could not believe what I heard.  Not only that I have not found an attorney yet that will take the case.  All the attorney's that I have spoke to have said "good luck with that."  Its like a conspiracy going on around here.  Now I am stuck with a car that has basically run itself into the ground barely hanging on to life and I still have a laon with them.  I am not saying all is their fault.  I am the one that went to a dealer with less than perfect credit and hopped on the first thing that got dangled in my face.  But what a shady company!  I can't wait to be done with them.  If anyone knows of a class action lawsuit or an attorney that will sue the pants off them please feel free to let all of us know!!!!
  • 0
    sue
    You are ignorant and a sorry excuse for a human being. You do not know why people end up in situations. Sickness can wipe you out financially. Layoff from jobs can cause financial distress. Remember, what a man sows so shall he reap. I wonder what is going to happen in your life? You should not speak so negative about people and their situation.

    I pray the Lord has mercy upon you.You will need it.
  • 0
    vee
    John you obviously are mentally challenged or either just blind to the fact that not all people can pay on time.  You missed the entire point of the forum and if you don't lease a car from CPS keep your comments to yourself.
    I am legal aid, and they are breaking the law.  I don't care how late these people are or when they pay. This company doesn't have the right to harrass businesses and co-workers and family members.  We are talking about BREAKING THE LAW, they are just as guilty as a thief who robs a bank.
    Everyone was not born with a silver spoon and riches so sometimes payments will be late, I guess in your perfect world you wouldn't understand.
    But don't you dare judge any of these people.
    Professionally speaking, the only thing this people can do is repossess the car...to get rid of the heart ache, I say let them have it!
  • 0
    DENISE
    I have been in a loan with these people for 4 years, I was late 1 time in four years and it wasn't my fault.  They lost the check I sent.  So I went ahead and paid them by phone with a cc, the check mysteriously appeared and they cashed that too! Not everyone that works with this company is deliquent. or late or not paying their bills because they don't want to.
    It depends on what kind of day they are having it they will work with you or not.  what I see is a difference of opinion from different experiences, and its ok...but THESE JUDGEMENTAL [***] above about paying bills on time and crap are just as delusional as can be.  What it makes me wonder is why are the bloggers above that are judging people even doing on the DAMN website for complaints if they don't have an auto loan with CPS.
    So I figured the either work for them or are just plain [***] with nothing else to do than hide in the comfort of their homes and judge other people.  Hope they are not planning to go to HEAVEN...cause you can get that way judging people.
    But I will say this, we can talk about this company all day long or we can do something about it.
    Personally I just traded in their car to get a 2008 vehicle and was approved with NO PROBLEM!  They are calling me right now because they are pissed that I stopped the last payment. I did that because the finance company had agreed to foward the check to them in 5 days and they have sent it to them, which was 2 days after my payment was due.  The car I had from CPS has been sent to the auction in Detroit, the tags have been removed and they still keep calling.  The harrass my co-workers and family, the only way they can contact me now is thru mail.  I changed phone numbers and addresses and they can come to my job all they want looking for a car they financed, but its not here so I'm not worried.
  • 0
    eric p
    Lynn apparently you are an idiot!   And for the record, I agree people should pay their bills on time. Apparently Lynn, you have been lucky and have never had anything horrible happen in your life which caused you not to have enough money to take care of all your financial responsibilities. I hope you do not claim to be a Christian Lynn because your attitude certainly is not very Christian like.  To all the people that are having legitimate problems out there, my thoughts and prayers go out to you. I am so sorry that you have to deal with ignorant idiots like Lynn and John. Now to my story----I financed my vehicle through CPS because it was the first automobile that I had purchased and my credit was limited. I have had the loan for approx 30 mos and until recently have never been late. Recently, due to an oversight on my part, I failed to make a payment that was due on the 12th of the month. On the 25th of that same month, my best friend, ( who I had listed on the application as reference) received a call from a representative from CPS and and was advised that I was 45 days late on my payment and that my car was going to be repossesed if I did not call in and make a payment.  First off, I was 13 days late, not 45 days. Secondly, any late payments prior to 30 days are not even reported to the credit file. Not only did CPS violate the law by providing my personal information to a 3rd party, they also misrepresented the information that they provided. ( I am sure this was done to illicit a call from me. They probably figure that even if I am mad, I will still call in and make a payment.) Lynn,  I am sure you are not smart enough to understand the laws by which creditors must operate, so let me give you a little lesson.  Creditors cannot share your personal information with 3rd parties without your expressed permission, UNDER ANY CIRCUMSTANCE! If they could, how long do you think it would take for anyone and everyone to have all of your personal information!!  On second thought Lynn....you probably work for CPS. Who knows, you might have been the person who violated the law and called my best friend to track me down after 13 DAYS. You make me sick Lynn!
  • 0
    randy
    I agree, LYNN is pathetic
  • 0
    NVRMIND
    Lynn you should be ashamed of yourself....GET THE HATE OUT YOUR HEART LYNN!!!!!
  • 0
    lisa irene
    i am having the same problems with this company, now we can talk about this till were all blue in the face or do something about it. does anyone know any information that can help all of us about doing somethin about this company? please?
  • 0
    Rita
    Please let me know if anyone files a Civil Suite against these people, I will be right there with you.  I have never seen anything like these people before in my life.  What they DON'T seem to understand is that their strong arm tactics DO NOT work with a lot of people.  I am filing a complaint with the BBB and anywhere else that will take and listen.  Something really needs to be done about this business.  And the best part of it all is that I still after many requests have no contract with these people.
  • 0
    Rita
    Really, because I pay my loan on time every month.  Do your homework all the way before you start throwing nasty little comments out.  You do not know everyone's circumstances to make that kind of statement.  I tend to believe that maybe you work for this crappy company.  These morons don't keep record very well, because I pay my payment by the 20th of EVERY month and by the end of they month the morons are calling to see when I am going to make my payment.  Yeah so know what you are talking about before you do.
  • 0
    Eric
    I am having problems with cps alot like everyone else so if anyone knows of a class action lawsuit let me know. if thier is not one filed I will try to start one I am now being sued by them.  I have recorded all of the conversations with them that are very incriminating and also calls to my work place which is also illegal any help will be appreciated you can email me at evk0282@aol.com thank you
  • 0
    lynn
    | 1 reply
    Exactly, They should not be given loans-some people do fall on hard times  and are trying to reestablish thier credit-just like I did-again it's all about accountability-If they go to get a loan, they need to understand, just like I did you have to pay it back-not sit around and post bullitins about how this happened and that happened and that's why they can't pay thier bills-When you sign your name on the dotted line, you assume resposibility. There is no clause that states (In case of hard times disregard contract and do the best you can.)If that is the case do what we did make sure you have something to fall back on or at least insurance that will help. Most dealerships have insurance that covers many different situations that will cover you if there are hardships. If they don't offer it go somewhere that does... I'm not judging I am simply stating to take responsibility.
    • 0
      Hh replies to lynn
      The thing is that they only and always want more money. I paid them 1000 dollars last month. I have one month left on my loan. I received a late charge for paying them extra money when a payment wasn't even due. Two weeks after the 1000 dollar payment they overdrafted my account by trying to withdraw 350 dollars which they said was approved by me. Now somehow my principal balance is 300 dollars more than it was a month ago. And I have 1200 in late fees instead of the 800 dollars that was on my statement two weeks ago. I have no idea how you can be late when auto pay is taken out the same time every month. So, just quit posting on here and shut your cake hole. And tell your boss to grow a pair.
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