Lies and Harrassment
Complaint
Deborah Hall
Country: United States
CPS financed my car 2 years ago. One month, I called because I was going to be late with my payment. They offered a one-time-only deal of extending that payment for 2 weeks. I accepted. What they did not tell me was that this was a permanent change to my payment due date. Since then, I am now ALWAYS 2 weeks late with my payment with monthly late fees piling up that I refuse to pay. I currently owe almost $2,000 in late fees because of this; also, because of this continual lateness, they have harrassed me at work calling continuously while I am in class teaching. One day I had to argue with the csr because she told me to clean out my car, she was sending a repo team to my school to pick up my car. I asked her if I could call her back in 20 minutes after my students left, she said to just clean out my car. I chewed her out and hung up. She called 5 minutes later claiming that it was not her who had previously called me and asking if I would PLEASE return her call in 20 minutes. They have also harrassed my elderly and ill parents, my neighbors, my friends, and my coworkers.
Comments
Sure, I've read where many did not get a response from them, maybe I was one of the lucky one's, but I DID get a response. They have 2 weeks to respond through BBB, and on the 14th day I had a manager contacting me. We played phone tag for several days, but eventually we talked & were able to work out a resolution.
Quick note: it's a good idea to keep track of all numbers they call from, date/time, if a message was left save it, take notes of the names of people you have spoken to, also keep track of any times/dates you have called them, whether you reached someone (if you do speak to someone get their name). I also kept written records of the conversations, just in case. These notes, I have found, have become very handy, whether when speaking with a representative there or for filing complaints.
Hope this helps some of you.
If ever more than three days late on a payment - they go nuts! Phoning 2-3 times a day is the better news. They also phone - relatives, ex-inlaws, friends, enemies, neighbors and anybody in the phone book with the last same last name. They even started calling ex-employers; and would phone me at work(when I was employed) and talk with co-workers, supervisors or managers. And they would tell them I was deadbeat and other degrading remarks.
After days of harrassment I would phone them to complain of their tactics and they would hang up on me! Their tactics included but not limited to: he is driving a stolen car, tell him to clean out his car we are going to repo in two hours, go and tell your neighbor(me) that the police are looking for him. They even told my 10yr.grand daughter thay the police were going to arrest me for stealing a car.
The most I have ever been late on a payment was one month. I once told them to come and get the vehicle. The next day they phoned and wanted to know when they could expect payment. During that call the male told me that I was sorry excuse for a living being - and that I deserved to be harrassed for not paying my note on time.
Ok great right? I don't have to put up with the spam calls anymore hurray. Also what was stated on the legal note was that any amount that was over I would receive in the form of a check. We'll I only owed about $4k on the truck and it was worth maybe 6.
Earlier this week I got a check in the mail from them for about a grand. Went to put the check in the bank and guess what the number they give the bank is a fake most likely. My bank tried to call the entire day and kept getting a busy signal. So, if the check doesn't clear, I will be seeking legal counsel and take them to small claims court.
On a side note, they did call once and I answered the phone because I knew it was them and all I did was scream into the phone, HAMBURGERS!!!! then hung up. Hilarious
On another note, the dealership did say that they will no longer sell contracts to CPS due to so much customer complaint and backlash. So..Call your dealerships and complain! Maybe then NO ONE will do business with them!