Talked into high interest auto loan thru CPS in 2003. Made payments on time until November. Was less than 10 days late on Nov. 2005 payment but called CPS and they stated they would update the account. Then in December I could not make my payment but I called and asked that I be allowed to make my Dec. 05 payment in January 06 - along with the January payment. These payments would be received by January 26. The rep from CPS stated that was fine as long as the payments were posted before the end of January.
January 14th I telephoned CPS again to verify that the payments were being sent via USPS. Again rep stated that was fine.
January 20th called CPS and gave 2 check numbers and amounts - and had placed the checks in the mail. Again the rep thanked me for keeping them updated.
January 21st. One references I gave when I got the car loan emailed me and stated that CPS legal called them 3 times and stated that I was 51 days late on my car loan (gave description of car) and told them to have me call them. I attempted to call but got an answering machine - I left a message about sending checks, etc.
January 23rd Reference emailed me again and said CPS legal had left numerous messages on their answering machine stating that if I did not call them they were going to come and get the car. Gave amount of money owed and days late on payment.
January 24th I called CPS legal - they asked for check by phone and I told them NO - I had been talking to a rep at their 800# and she told me all was fine as long as the checks arrived before the end of the month. The CPS legal rep (Becky Moore - Supervisor) got nasty with me. Told me she had ways of finding my car and could take it at any time.
January 25th - 7:20pm I get a call from a "restricted" number. A woman says "is your car cleaned out?" "We were hired to repo your car due to non-payment". I told her no - we had made a payment and were in contact with the loan company. I called CPS but the office was closed - left a message. I then called the CPS legal 866# and was told they were now handling the account and we HAD to make a phone payment or a tow truck would be sent immediately. Asked if I was home - what condition the car was in, how many miles on the car.
January 26th - At 11:00am a restricted phone # called my phone. At 11:03am a rep from CPS legal called my wife at work. My wife's boss told them NOT to call back - they did - at least 3 more times! Resticted numbers showed up on our home phone NUMEROUS times - no messages. That evening a Becky Moore of CPS legal calls to say if a payment is not made she will take drastic measures to repo the car. Again I tell her we had made arrangements thru the 800# but she said they had NOTHING to do with it. She told me it was "dead-beats like me that make her job hard". I told her I would not discuss this matter with her further.
At 6:30pm another reference came to my house, told me he had just received a telephone call from a woman with CPS legal. She told him that I was a "dead-beat" and wasn't paying my car loan, was over 50 days late on loan, gave type of car and asked him to check if I was home so she could send a tow truck for the car. I called CPS legal and the woman laughed and stated "guess that one really shook you up!". I hung up on her.
January 27th 7:09am I called the 800# and spoke to a rep. She told me to stop payment on the 2 checks. At 8:10am I was at my bank paying $56.00 to stop payment on 2 checks. I then called Becky Moore at CPS legal to make a "Quick Check" payment over the phone. Becky chuckled the entire time - telling me that they had ways of making people pay their debts.
At 1:00pm my neighbor came over and gave me a note. It said that CPS legal had called them. Asked if I was home because they were sending a tow truck for my car due to late payments. Gave my neighbor description of car and amount due.
January 30th. CPS finally took out the 2 payments authorized via Quick Check but they also attempted to cash the 2 checks I stopped payment on! I called my bank and they told me the checks would not go thru. I called CPS legal, spoke to Becky Moore to ask why they would demand a phone payment and then cash my checks. She hung up on me!
This company is out of control! They use threatening tactics, lie and make your life and those around you miserable. I have filed a complaint with the Illinois Attorney Generals office, FTC, Better Business Bureau and intend to pursue obtaining an attorney. If there is a class action suit already out there - count me in! This company is making LOTS money but extorting people.
Jefferey
Pesotum, Illinois
U.S.A.
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