Complaints

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:07/14/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am filing a complaint against Consumer Portfolio Services, Inc. regarding the repossession of my vehicle on July 1, 2025.I did not receive the legally required written notice of disposition under UCC ***** and *****, which include information about my right to redeem the vehicle, how and when it would be sold, and an itemized balance due. I only learned about the repossession after calling the company ********* this day, I have received no documentation, and I am being denied my lawful right to recover the vehicle or personal belongings. I am asking the ************************* to investigate this unlawful repossession and help resolve the issue before my vehicle is sold at auction.

  Business Response

  Date: 07/16/2025

  Consumer Portfolio Services, Inc. (CPS) reviewed the complaint, attachments, and the account. Our records show ****** ******** (the Customer) signed a Retail Installment Sale Contract (the Contract) on November 16, 2024, for the purchase of a 2018 **** Fusion. Per the signed Contract, the customer agreed to pay *** the principal amount of $23,738.79 plus finance charges accruing on the unpaid balance at the rate agreed upon the contract, per year from the date of the contract until paid in full.
  
  A review of the account shows the last payment was made on April 04, 2025. *** made several communication attempts to the Customer regarding the accounts delinquency; however, all attempts were unsuccessful.
  
  As a result of default, and allowed per the signed Contract,CPS repossessed the vehicle on July 1, 2025. Following the repossession on July 1, 2025, CPS mailed a NOTICE OF OUR PLAN TO SELL VEHICLE, dated July 2, 2025,to the address on file. Please note, the Customer updated their address via their online account, on July 12, 2025. CPS has attached a copy of the letter referenced above for easier reference.
  
  A further review of the account shows that Customer contacted CPS on July 1, 2025. The Customer was informed that the vehicle would be eligible for sale after July 17, 2025, and the total amount required to be paid if the Customer chooses to. Please note, this information is also provided and explained in the letter.
  
  Please note, as of today July 15, 2025, the Customer has not made any payment to reinstate the vehicle. For more information regarding the required amount to pay to reinstate the vehicle, the Customer may contact our ************************ at ************

  Business Response

  Date: 07/16/2025

  Consumer Portfolio Services, Inc. (CPS) reviewed the complaint, attachments, and the account. Our records show ****** ******** (the Customer) signed a Retail Installment Sale Contract (the Contract) on November 16, 2024, for the purchase of a 2018 **** Fusion. Per the signed Contract, the customer agreed to pay *** the principal amount of $23,738.79 plus finance charges accruing on the unpaid balance at the rate agreed upon the contract, per year from the date of the contract until paid in full.
  
  A review of the account shows the last payment was made on April 04, 2025. *** made several communication attempts to the Customer regarding the accounts delinquency; however, all attempts were unsuccessful.
  
  As a result of default, and allowed per the signed Contract,CPS repossessed the vehicle on July 1, 2025. Following the repossession on July 1, 2025, CPS mailed a NOTICE OF OUR PLAN TO SELL VEHICLE, dated July 2, 2025,to the address on file. Please note, the Customer updated their address via their online account, on July 12, 2025. CPS has attached a copy of the letter referenced above for easier reference.
  
  A further review of the account shows that Customer contacted CPS on July 1, 2025. The Customer was informed that the vehicle would be eligible for sale after July 17, 2025, and the total amount required to be paid if the Customer chooses to. Please note, this information is also provided and explained in the letter.
  
  Please note, as of today July 15, 2025, the Customer has not made any payment to reinstate the vehicle. For more information regarding the required amount to pay to reinstate the vehicle, the Customer may contact our ************************ at ************

• Initial Complaint

  Date:07/14/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  In March 2024 I had a car loan from Consumer Portfolio, and the vehice was folded due not hail damage, which left me with a deficient from insurance payment and the amount owed. They reached out to me fro a settlement of ******* which I agreed to and set up a pay off of 5 months. In August of 2024 I was notified that I was 30+ days late on my payment even with me keeping the payment arrangements that they set up. At that point I paid off the settlement the day they called. Up until then I was never contacted either by phone, email or mail that I was behind until I received the letter. Fast forward to 7/25 My wife and I are getting a mortgage for a new home and there is a 30 late payment on both of our credit. In have tried after we saw the **** and contacted them and spoke on 2 different occasions with the department that handles reporting and was instructed that there was multiple lates and I have a printed ledge of my history that there was never, also informed at that time I goes back to original contract. I was never told this and why would they suggest a program that would put you in the rears on the contract and additional fees? I believe this a deceptive practice and unfair to a debtor. And can cause damage to someone's worthiness. I was instructed there is nothing they will do.

  Business Response

  Date: 07/16/2025

  Consumer Portfolio Services, Inc. (CPS) has reviewed the complaint, attachments, and account. Our records show **** ******* and ****** ******** (the Customers) signed a Retail Installment Sale Contract on December 14, 2021, for the purchase of a 2014 Chrysler 300. Per the signed contract, the Customers were obligated to make monthly payments of $408.89
  
  The Customer made a verbal agreement to settle the outstanding balance owed with partial payments starting on March 21, 2024.Please note, this was a payment arrangement to settle the outstanding balance and would not cease the account from becoming delinquent if the full monthly payments were not made. As of July 31, 2024, the account was delinquent and past due for the June and July payments.
  
  CPS has forwarded part of the complaint to our Credit Reporting Response Team. Per their investigation, they have concluded that CPS is furnishing the information to the credit bureaus accurately. Any questions about how individual credit bureaus reflect the information furnished by *** must be directed to the respective credit bureau. For more information on the information furnished by ***, you may contact our Credit Reporting Response team at ************.

• Initial Complaint

  Date:07/09/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  BUSINESS KEEPS CALLING PLACE OF EMPLOYMENT AND HAS BEEN ASKED TO STOP BY EMPLOYER

  Business Response

  Date: 07/16/2025

  Consumer Portfolio Services, Inc. (CPS) has reviewed the complaint, and account. Our records show **** ****** (the Customers)signed a Retail Installment Sale Contract on February 20, 2024, for the purchase of a 2017 ****** Murano.
  
  CPS has placed a Cease and Desist on the account for the "Place of Employment", so that all future communication attempts will no longer be made to Customers place of employment. If the customer would like the Cease and Desist removed, the customer can contact our *************************** at ************. 

• Initial Complaint

  Date:06/23/2025

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have a car financed through Consumer Portfolio Services. I am late on a payment with their company and have been in contact with them. I spoke to two separate people on June 20 and explained the situation as I had to pay for car repairs in excess of $400 and would be able to make the payment 07/03 as that was my only option. I was told there is nothing they can do for me and I advised I would work on it. Since that interaction I have gotten multiple calls, text and emails each day to the point it is harassment. I was emailed 06/23 at 9:31am (est) and I immediately responded. I received a phone call at 3:43pm (est) and while on the line with the representative I was receiving another call on the end from them at 3:46 pm (est). I work full time and this violates the ***** guidelines on many levels. As stated in the telephone frequency guideline, I am to not be contacted more than 7 times within a 7 day period as well as no contact within 7 days of a conversation about a debt.

  Business Response

  Date: 06/30/2025

  Consumer Portfolio Services, Inc. ("CPS") has reviewed the complaint, the attachments, and the account. Our records show ******** ***** (the Customer)signed a Retail Installment Sale Contract Simple Finance Charge on June *******, for the purchase of a 2019 Jeep Compass. The Customer made payment arrangements for a payment on June 12th and another on June 19th.Neither payment was made, and CPS attempted to follow-up with the Customer regarding the broken payment arrangements and delinquency. *** apologizes for any frustration the consumer has experienced. *** has placed a Cease and Desist on the account so that all future communication will be done in writing. If the customer would like the Cease and Desist removed, the customer can contact our *************************** at ************. Please note, as of today, the account is delinquent and past due for the May and June payments.

  Customer Answer

  Date: 07/01/2025

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  ******** *****

• Initial Complaint

  Date:06/09/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am writing to dispute multiple unauthorized hard inquiries that have appeared on my credit report. I did not apply for credit with these companies, nor did I give consent for them to access my consumer report. The following inquiries were made without my knowledge or permission:Credit ******** 09/10/2024Automotive ****************** 03/01/2024Consumer Portfolio Services 03/01/2024OneMain Financial 03/01/20241803 ************ 03/01/2024

  Business Response

  Date: 06/12/2025

  Consumer Portfolio Services, Inc. (CPS) reviewed the complaint. Please note, *** will only address parts of the complaint that pertain to ***. Our records show that ****** ****** applied for an auto loan on March 01, 2024 with ITS A DEAL LLC of *******, **************. *** received the credit application electronically. Ultimately,*** did not finance ****** ******. If ****** ****** still believes that this application was sent in error or believes this is a matter of identity theft, please send all relevant documentation, including a filed police report, to our Credit Report Response Team for investigation at Consumer Portfolio Services, Inc., Attn:Credit Report Response Team, P.O. ***************************. Please note *** must report accurate information to the credit reporting agencies and cannot remove accurate information.

  Customer Answer

  Date: 06/13/2025

   
  Complaint: 23436794
  
  I am rejecting this response because: because I just sent and resent my police report 
  
  Sincerely,
  
  ****** ******

  Business Response

  Date: 06/16/2025

  *** reviewed the additional correspondence and attachment. A review of the attachment shows the incident occurred in December 2024. As stated in our previous response, our records show the credit application was submitted in March 2024, nine months prior to the incident as shown in the attachment. 

• Initial Complaint

  Date:05/29/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  One, I know that he was behind. I tried every way to get a payment in, within today to Friday. And offered to pay ****** a day and catch up every single week. Giving all my info. This lady didnt budge. I know payments need to be made. People suffer a lot and its not easy. We all have a job to do. But, I gave everything of mine and theres no heart. Companies need money but sometimes just try: hes been through a lot. I tried every way and she didnt wanna listen to me. Sometimes take a chance hes got it

  Business Response

  Date: 05/30/2025

  Consumer Portfolio Services, Inc. (CPS) has reviewed the complaint. A review of the account shows the Customer spoke to their representative and scheduled a payment arrangement to help bring the account current. 

• Initial Complaint

  Date:05/27/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I paid my car payment for Jan, Feb, March this year then did a voluntary surrender. I paid March payment on March 13 did the surrender around March 22nd. Submitted the forms electronically that they sent me. I received an alert for a missed payment in April which made my score decrease tremendously. I was not responsible for April's payment, I was told that I'd be responsible for the difference of the remaining balance once they sell the car. I called the credit department and she informed me that they did not process my voluntary surrender until May 5 and that's why it looked like I missed April's payment. They told me to dispute it because they can't reverse that. I tried disputing with no luck. I need them to correct this because my score decrease 47 points due to this. This is not fair to me when I literally was not responsible for a payment in April, after I surrendered the vehicle. They took so long to process the paperwork on their end but can't explain why. I even called a few times because I noticed they hadn't picked up the vehicle and they said it's been dispatched but the whole time it hadn't.

  Business Response

  Date: 05/30/2025

  Consumer Portfolio Services, Inc. (CPS) has reviewed the complaint and attachments. CPS has forwarded part of the complaint to our Credit Reporting Response team. The Credit Reporting Response team has sent an update to correct any incorrect information on the tradeline. Please note, *** has no control over how or when the bureaus report this update. For more information,or further explanation on Tradeline reporting, you may contact our Credit Reporting Response team at ************.

• Initial Complaint

  Date:05/21/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I was financed for a 2016 **** Explorer Xlt, but 5 Star Imports sold me a junk car. The finance company told me to send all the information to them about the inspection of the car. I didn't have the car 2 weeks and the mechanic from the inspection said transmission was leaking, time and chain was a problem, the whole front end was bad, all 4 tires are bald, no spare tire or **** was in the car when sold to me. The finance company said if I proved all these things were wrong they would drop the loan, but now they are not. I need help this vehicle falls under the lemon law. Please help me!

  Business Response

  Date: 05/30/2025

  Consumer Portfolio Services, Inc. (CPS) reviewed the complaint. A review of the account shows that the Customer initiated an investigation with our ***************************** During the investigation, it was determined that Dealer was willing to cover the repairs to the vehicle if the Customer could have the vehicle towed there from the mechanics. Customer was offered assistance from the Dealer to be reimbursed for the towing and payment for their account with ***. The Dealer was also offering to unwind the contract if the vehicle is delivered back. The Customer has refused to work with the Dealer's assistance regarding the vehicle's repairs and towing costs. *** las spoke to the Customer on May 29, 2025 and was told the Customer would be seeking Legal assistance. 

• Initial Complaint

  Date:05/19/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  *** finances my vehicle 11/2023 . My payment is $499.71/mo. I recently discovered that although I paid $7,984 (to date) only $1,100 has gone toward the price of the car! What are they doing with the rest of the money I paid? INTEREST. Some months NONE of my payments go to my car, it is all going to interest. I dont think they should be allowed to take advantage of low income/ elderly people like they do!

  Business Response

  Date: 05/30/2025

  Consumer Portfolio Services, Inc. (CPS) reviewed the complaint. Our records show the customer signed a Retail Installment Sale Contract on November 30, 2023 for the purchase of a 2019 Chevrolet Trax. Per the signed Contract, the customer agreed to pay *** the principal amount of $18,372.60 plus finance charges accruing on the unpaid balance at the rate agreed upon the contract, per year from the date of the contract until paid in full. For clarification, the customer signed a simple interest contract where the payment is first applied to the accrued interest and then the principal. Simple interest is based on the customers agreed annual percentage rate and the principal balance on the account. If the customer pays on time, the customer can expect to pay the exact amount listed on the contract. If there are more days in between payments, for example when payments are late or the customer requests a due date change and/or an extension, then more interest accrues by the time the next payment is made so more of the next payment will go to interest. CPS conducted an audit and can confirm that 1. all payments received have been applied accurately and 2. the current outstanding balance owed is accurate. *** will mail a copy of the audit, signed contract and payment history to the address listed on the account. For more information, or further explanation on the account, audit results and/or contract, please contact the *************************** at ************.

• Initial Complaint

  Date:05/13/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This is an account used by someone else and I hav contacted this business to no resolution. This account is a delinquent account and harming my credit and needs to be removed.

  Business Response

  Date: 05/30/2025

  Consumer Portfolio Services, Inc. (CPS) reviewed the complaint. Our records show ****** ***** (the "Complainant") and ******** ***** signed a Motor Vehicle Retail Installment Sales Contract on January 07, 2017 for the purchase of a 2014 **** Explorer. Per the signed Contract, the customers agreed to pay *** the principal amount of $29,374.98 plus finance charges accruing on the unpaid balance at the rate agreed upon the contract, per year from the date of the contract until paid in full. If the Complainant believes this is a matter of identity theft, please submit all relevant documentation send it to our Credit Report Response Team for investigation at Consumer Portfolio Services,Inc., Attn: Credit Report Response Team, P.O. ***************************. Please note *** must report accurate information to the credit reporting agencies and cannot remove accurate information.

  Business Response

  Date: 06/02/2025

  The complainant needs to provide a copy of the police report.

  A review of the account and communication history shows that on May 22, 2024, CPS spoke to ******** ***** in regard to the account's delinquent status. *** was then told the buyers were recently divorced and Mr. ***** was in possession of the vehicle. Ms. ***** was explained the severity of the account delinquent status and the amount past due. Ms. ***** stated "Ok" and that she could not provide an address for Mr. ***************** style="font-size: 0.875rem;">On July 02, 2024, CPS spoke to Mr. ****** an incoming call received from the same telephone number listed in the complaint *************), and he mentioned the vehicle cannot be located after a recent tornado storm. Mr. ***** was told that collection practices will continue, as allowed per the signed contract, until the balance has been paid in full.  During this interaction, Mr. ***** did not claim identity theft regarding the purchase of the vehicle.

  As a result of default and no payment since April 09, 2024, CPS repossessed the vehicle on March 11, 2025. Mr. ***** reached out to *** inquiring of the repossessed vehicle and how to obtain personal property. The vehicle was not reinstated and was sold at auction on May 08, 2025. Mr. ***** and Ms. ***** remain responsible for the outstanding balance owed. *** believes this is not a true identity theft claim and an attempt to not fulfill the existing obligations per the signed contract. However, if the complainant provides additional supporting documentation, including a police report. 

  
  

  Business Response

  Date: 06/03/2025

  However, if the complainant provides additional supporting documentation, including a police report, *** is happy to investigate the identity claim. "