Lies and Harrassment

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Complaint

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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

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  • 0
    delta
    Wow guys I am feeling your pain I purchased a vehicle from them. You guys are right we need to band together and get these money grubbers out of business
  • 0
    Ice
    They r very rude and call people familyfriends etc and tell them your business to rhe point u looking over your shoulder they make agreements with people and the break them. I wish I never recieved  a loan from them can get a lawsuit or call the better business bureau.
  • 0
    Fed Up
    My husband and I are not behind either.  We have been trying to make a payment but keep getting an error message.  It took them 5 days to call us back, and still can't get through to make the payment!!  WE have been recording all our calls due to their lack of cusotmer service.
  • 0
    FedUp
    Obviously, Miguel, you work for them or wouldn't be defending them.  Maybe you should clue htem in that they wil get their due diligence pretty soon.
  • 0
    --
    I've never ben late either, but they still call and give me grief over a payment not received early.  So obviously you worked with a different company.
  • 0
    Brenda
    you obviously work for CPS or you wouldn't take the time to look up this site to begin with but then go even further and comment dumb@ss
  • +1
    Brenda
    you obviously work for CPS or you wouldn't take the time to look up this site to begin with but then go even further and comment dumb@ss
  • 0
    Jeffrey l wooten
    Cps are [***].   Do not deal with them.  Drive an old beater if you have too.  I'm lucky and was able to refinance after a year and a half.  I felt like driving to there office and whooping there ass.
  • 0
    kitkat3378
    i have been financing a car through cps for 3 and a half yrs now, in this time i have been behind more then 10 days 2x. I work for the school district and do not work during the month of july and dont recieve my first paycheck til september, however this yr I fell behind 30 days and asked for an extention of 2 weeks and i would be able to make 2 mths payments. i was given 5 days and then they would come take my car. i have paid these ppl damn near 3x what my car is worth anyways, and they are rude and liars. i gave my ex husband back the car to make the payments and they informed him that im never on time and i have had 5 deferments on the car..which is impossible by my math considering your only allowed one every year. i hate them and wish i could find a way to refinance my car.
  • 0
    ms.s
    these [***] stole 500.00 dollars from me too, with their lies.if there's a law suit count me in.
  • 0
    ms.c
    miguel pray to god your never in their shoes. i too work for bill collector  maybe i'will be calling you in the future, and you might not like what i'll be telling you and acting like a REAL BIG [***]>  GOOD LIKE MIGUEL>
  • 0
    ms.c
    miguel pray to god your never in their shoes. i too work for bill collector  maybe i'will be calling you in the future, and you might not like what i'll be telling you and acting like a REAL BIG [***]>  GOOD luck MIGUEL>
  • 0
    melissa
    I agree!I have had these people for almost 4 years.i lost my job,  almost caught up with them but i owe 156 from last week that bounced.they left a message ie i didn t call today by 5 further action would be taken.i can t stand them.there has to be somethin we can do
  • 0
    Xman
    try drivetime.com they will finance you no matter what
    I my self just let them took my van F cps
  • 0
    Nate F
    over three years ago i got a loan through fireside bank for my used car.  i never had a single late payment or any problems.  i guess this bank went under and CPS picked up all there accounts.  i was notified about 6 weeks ago of this.  they also sent me a letter a couple of weeks later, stating the amounts i owe and so fourth.  it also stated that they will be sending me a bill in the 30 days.  this was no problem.  well last week i got a phone call from CPS collections. stating that i have overdue account.  i explained that all i have received a letter stating that they will be mailing me my bill.  the guy said no problem and i wouldn't have a late fee or be reflected on my credit.  if paid on the phone with him rite away.  that worked for me, but after i gave him my bank info he told me there was a transaction fee.  BS why would i pay for something that was no fault of my own.  then the supervisor told me i should of known to send the payment to them even though i never received a bill of any kind.  BS then we agreed that i would mail a check (without the bill or statement) and i asked repeatedly that i wouldn't have a late fee or bad reflection on my credit, and she hesitantly agreed.  now a week later after putting the check in the mail, i am getting calls from CPS collection, and all i can do is leave a message with them.  I DO NOT TRUST THIS COMPANY!!!!!!!!!!
  • 0
    A fellow CPS who was ripped off
    I purchased a car in 2007 with a CPS loan. the tatoal cost was $ 20, 050.00 we are now in November 2011 and I still owe $13,000. whats wrong with this picture? Even if the interest was 20%, it would still be lower than this..................ugh!
  • 0
    Jackie
    This company is not deducting money out of my account like they suppose to and they are saying that I owe more money than what I suppose to.  They have repossed my car and did not knock on my door, returned my phone calls nor have they sent me a letter and all of my stuff is in the car which is my son car seat, stroller, etc.  I have wrote letters, emailed and called them letting them know what's going on and I have not been ignoring them and I have been using my cell phone because my home phone is disconnected  and has been for some months now.  I pray that God have mercy on their souls.
  • 0
    Informed Consumer
    Learn what your rights are.

    http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre18.shtm

    This is some of what it says:

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    Can a debt collector contact anyone else about my debt?

    If an attorney is representing you about the debt, the debt collector must contact the attorney, rather than you. If you don’t have an attorney, a collector may contact other people – but only to find out your address, your home phone number, and where you work. Collectors usually are prohibited from contacting third parties more than once. Other than to obtain this location information about you, a debt collector generally is not permitted to discuss your debt with anyone other than you, your spouse, or your attorney.
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    Find out what the laws are in your state. If those laws are violated, record and report the incident. Contact your state attorney and the BBB and file complaints. If you think these types of companies like money, imagine how much a lawyer likes it when he hears your case after you give him all the evidence he needs to help you sue.
  • 0
    missy
    Has anyone been tricked into reaffirming by cps?
  • 0
    Jenny
    Miguel its not the fact that these people are lazy are bums Im a nurse I had money saved I had a real good job until they decided to go under I became out of work for almost a year I have two children a house no one I believe. Wants to be put out life happens matter how much I you have money when you have responsibilities money goes.  So if nothing happens to you that's to bad because it is lesson learned and all these people learned how deal with it you won't because your life is perfect but everybody has there day.
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