Consumer Portfolio Services Debt Collection Harassment? Stop the Calls!
Tired of Consumer Portfolio Services Debt Collection Harassment? Wish there was a way to make the calls stop? Is Consumer Portfolio Services constantly calling and harassing you? Does your phone ring every day, several times per day, because Consumer Portfolio Services is calling you to demand payment? Consumers are often called repeatedly, sometimes on their cell phone, which can be a violation of federal law. Threatening you with legal action? Has Consumer Portfolio Services ever used abusive or profane language when speaking with you on the phone? If so, Consumer Portfolio Services may be committing violations of your legal rights. Stop the harassment.
The Fair Debt Collection Practices Act, also known as the FDCPA, protects consumers’ rights in the context of debt collection. In other words, debt collectors must adhere to a certain set of rules when they are pursuing consumers who owe money. If a collector violates the FDCPA, you can sue the collector in court. The law allows consumers who have been victims of harassment from debt collectors to get the calls to stop in addition to recover statutory damages of up to $1,000, plus attorney fees and court costs.
Is Consumer Portfolio Services a scam?
According to the Better Business Bureau website, Consumer Portfolio Services has been in business since 1991. There have been 61 customer complaints filed. Read more here: Consumer Portfolio Services Better Business Bureau.
Who is Consumer Portfolio Services?
Consumer Portfolio Services is third party debt collector located in Irvine, California. CPS serves customers in the subprime auto finance market, providing solutions tailored to the needs of both dealers and car buyers.
🏛️ Address: P.O. Box 57071 Irvine, CA 92619 📞 Phone: (888) 469-4520
Consumer Portfolio Services Debt Collection Harassment Tactics
If Consumer Portfolio Services engages in any of the following tactics to collect debts, you may have a case:
- ➤ Calls before 8:00 a.m. or after 9:00 p.m. or at any time or that they are given notice that it is inconvenient to call
- ➤ Talking to others about your debt
- ➤ Call the consumer’s place of employment if they have been advised that calls cannot be accepted at work.
- ➤ Use any profane language or any language that is harassing and abusive
- ➤ Engage in any conduct, the natural consequence of which is to harass, abuse or oppress.
- ➤ Make any misrepresentations of fact, such as how much is owed, or certain actions they may take to force payment
- ➤ Threaten arrest or criminal prosecution
- ➤ Send false information to the credit bureaus
- ➤ Cause a telephone to ring an unreasonable amount of times
- ➤ Collecting money that is not owed or collecting in violation of the FDCPA
Consumer Portfolio Services collects payments using these tactics.
Consumer Portfolio Services Phone Numbers
Are you receiving any harassing phone calls from any of these numbers? Consumers may be contacted by CPS through various phone numbers, so it’s important to recognize when you are being reached out to.
- 📲 800-304-6812
- 📲 800-924-0364
- 📲 888-469-4520
If so, you may be a victim of Consumer Portfolio Services debt collection harassment. The list above is not all the numbers that Consumer Portfolio Services uses. Also, calls can be from different numbers and it still be Consumer Portfolio Services calling you. Contact our office right away so we can start the process to stop Consumer Portfolio Services from calling you illegally. Above all, no one should live with harassment.
Credit Report Implications of Debt Collection Harassment
Dealing with debt collection harassment from companies like Consumer Portfolio Services can do more than just cause stress—it can also have a lasting impact on your credit report. When a debt collector reports a debt to the credit bureaus, it can lower your credit score, making it harder to qualify for new credit, loans, or even a better interest rate on an auto loan. This is especially concerning if the information being reported is inaccurate or incomplete.
Under the Fair Credit Reporting Act (FCRA), you have the right to dispute any incorrect information on your credit report. If you notice that Consumer Portfolio Services or another finance company has reported a debt you’ve already paid, or if there are errors in the amount owed, you can file a dispute with the credit bureau. The law requires the debt collector and the credit bureau to investigate your claim and correct any inaccurate information. However, some debt collectors may use illegal tactics, such as failing to update your account status after payment or continuing to report debts that are under dispute.
The Fair Debt Collection Practices Act (FDCPA) also protects you from unfair or deceptive practices by debt collectors. For example, it is a violation for a collection agency to threaten legal action they cannot take, or to misrepresent the original amount or principal amount owed. If you believe Consumer Portfolio Services or any other debt collection agency is using these tactics, you have the right to seek help from a law firm that specializes in fair debt collection practices.
Regularly monitoring your credit report is one of the best ways to protect yourself from the negative effects of debt collection harassment. Look for any signs of identity theft, such as accounts you did not open, or late payments that you know are incorrect. If you find inaccurate information, contact the credit bureau and the debt collector in writing to start the dispute process. The Better Business Bureau and other consumer protection organizations can also provide guidance on how to address consumer disputes and obtain debt relief.
If you’re struggling with customer service issues or feel overwhelmed by the process, don’t hesitate to reach out to a law firm experienced in handling consumer disputes with companies like Consumer Portfolio Services. They can help you navigate the process, ensure your rights are protected, and work to have any incorrect information removed from your credit report.
By staying informed about your rights under the FDCPA and FCRA, keeping detailed records of your payments and correspondence, and taking prompt action to dispute errors, you can minimize the impact of debt collection harassment on your credit and financial future. If you need assistance, contact a reputable law firm or the Better Business Bureau for support in resolving your case and protecting your consumer portfolio.
Common Questions:
Is Consumer Portfolio Services a scam?
No, Consumer Portfolio Services has been in business since 1991.
Can Consumer Portfolio Services seize my property?
Consumer Portfolio Services can’t seize your property, but there are some exceptions. If the debt was tied to the property the collector may be able to repossess it. For example, if the debt is related to a vehicle, there have been complaints where CPS repossessed vehicles and reported incorrect information to credit bureaus. Or, if the collector has sued and obtained a judgment against you, the debt collector may be able to take certain property as permitted by the court.
Can Consumer Portfolio Services sue me?
Yes, Consumer Portfolio Services can sue you so long as the debt is within the statute of limitations. There are cases where consumers have been unable to resolve payment issues with CPS, leading to lawsuits.
Can Consumer Portfolio Services report my debt to the collections bureaus?
Yes, Debt collectors are allowed to place the collection account on your credit report. Note that negative marks can affect your eligibility for credit, loans, insurance, or even a job.
Can Consumer Portfolio Services arrest me?
Debt collectors don’t have the authority to have you arrested for a debt. However, if you violate a court order, e.g. an order to appear in court, the judge can issue a warrant for your arrest. Depending on the laws in your state, you may be arrested for certain debts like unpaid child support or traffic tickets. It is important to keep a note or record of all communications with CPS.
If I pay, will Consumer Portfolio Services remove the collection from my credit report?
Paying or settling the debt may not automatically remove the collection from your credit report, but you can try to negotiate with CPS to pay or settle the debt in exchange for removal.
The following is a sample list of complaints filed against Consumer Portfolio Services and can be found on Pacer.org.
In one case, cps repossessed a vehicle and reported incorrect information to the credit bureaus, impacting the consumer’s credit.
- 📋 0:19-cv-00555-NEB-TNL Zimba v.
- 📋 1:19-cv-00050-MLB Chew v.
- 📋 3:18-cv-00712-RGJ Zamora v.
- 📋 2:18-cv-00891-PP Bernal et al v.
- 📋 4:18-cv-01370 Hill Jr. v.
CONSUMER RIGHTS LAW FIRM, PLLC
Consumer Rights Law Firm PLLC is a law firm that specializes in helping clients who are facing harassment from debt collectors in any form, including telephone communication. Contact a legal professional to stop Consumer Portfolio Services debt collection harassment. Our office has been assisting consumers since 2010. We have an A+ rating with the Better Business Bureau.
If you are interested in learning more about how to safeguard yourself and prevent Consumer Portfolio Services debt collection harassment, call us at 877-700-5790 for immediate assistance or visit our website.
Success Stories
- 🏆 I was constantly getting harassed by debt collectors—calls at work, threats of lawsuits, and even messages to my relatives. I didn’t know what to do until I found Consumer Rights Law Firm PLLC. They took immediate action, filed a complaint, and within weeks, the calls stopped. I even got a settlement for the harassment. Highly recommended if you’re tired of the abuse.
- 🏆 After months of nonstop robocalls from a collection agency, I reached out to Consumer Rights Law Firm PLLC. Their team was kind, responsive, and walked me through my legal rights. I didn’t pay them anything upfront, and they still fought hard for me. I’m so glad I found them.
- 🏆 I contacted the firm after being wrongly accused of owing a debt I had already paid. The collection company wouldn’t stop calling. Consumer Rights Law Firm PLLC filed a claim, and the calls ended quickly. They really understand consumer protection laws and use them effectively.
- 🏆 I was skeptical at first, but Consumer Rights Law Firm PLLC proved they are the real deal. They explained everything clearly, kept me updated, and made sure my rights were protected. I didn’t think I had options until they stepped in. I would absolutely recommend them to anyone facing debt collection harassment.
