Kenneth Janning & Sons Inc

In response to this rejection, I reviewed the written and verbal communication between Ms[redacted] and the account managers with PrestigeHaving reviewed the matter, I am unable to corroborate Ms[redacted]’s claimsThe customer was notified on August, 4th that her monthly payment could be lowered by re-amortizing her account once we received her proceed check and applied it to her account, she was also asked if she agreed to the termsDespite our efforts to assist her Prestige did not receive any communication from Ms[redacted] until August, 25th When we received a letter offering an insufficient monthly payment amountShe was responded to the same business day advising the payment offered was not sufficient and advising her to reach out to us for assistance to get the account currentWith no further contact received a re-amortization was again offered to Ms[redacted] on August, 31st 2016, she was advised that if she refused help or contact the account would be charged off and escalated for recovery effortsAt this time the customer requested that we no longer contact her by phoneThe next correspondence we had with the customer was a settlement offer letter sent to her by mail on October, 12th Ms[redacted] then called our office October, 24th regarding the letterAt that time she was provided with the balance and the litigation process detailsShe was also given a breakdown of the interest and fees on her account, as well as offered a settlementPrestige was offered the same monthly payment amount by the customer from her previous letterShe was informed we would accept her payments but they would not be sufficient to stop litigationMs[redacted] offered a higher monthly installment amount which was approvedHer due date was set up to accommodate her schedule, and she was informed about how to qualify for our rate reduction program as well as told the program was the only way to lower her interestThe customer has been making the agreed payments, and the only communication received since the payment plan was agreed to in October consisted of a credit disputeI would encourage Ms[redacted] to contact me with any additional questions or concerns ??" Kathryn D[redacted], Compliance Specialist for Prestige, 801-844-or kd[redacted]@gopfs.com

In response to this complaint, I? reviewed the account to see? if Mrs[redacted] was treated in an unprofessional manner.? I personally reached out to Mrs[redacted] in an effort to better understand her concerns.? Unfortunately, I was unable to speak with Mrs[redacted].? However, I
reviewed phone calls and communication between Mrs[redacted] and the Account manager.? At this time we have placed a Cease and Desist on her account so she will no longer be receiving communication from Diana.? Mrs[redacted] is a valued customer and we want her to have a positive experience.? I would encourage her to reach out to me with any further questions or concerns - Kacee P[redacted], Compliance Specialist for Prestige 801-844-or [redacted]

In response to this rejection, I believe we have addressed all of Ms[redacted]’s concernsThe vehicles title was released to the customer on September 7th, Additionally, are sending a paid in full letter for her recordsIf she has any other questions or concerns I would encourage her to reach out to me directlyKathryn D[redacted], Compliance Specialist for Prestige ??" 801-844-or kd[redacted]@gopfs.com

?
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and will reach out to KP[redacted] regarding this matter.?
Sincerely,
[redacted]

In response to Ms[redacted] concern, I have reached out to both the vice president of our underwriting department and the vice president of our funding departmentWhen our funding department completed their verification of rent, they were told by Ms[redacted]’ landlord that no other party was on her leaseWhile the situation is unfortunate, it was based on information we received when the lease was verifiedOther options to complete the loan with Prestige were provided to the dealership but ultimately they were not pursuedPrestige cannot comment on why the other finance company was able to process the loan, as their underwriting standards may be differentWe apologize for any inconvenience that may have been cause, and invite Ms[redacted] to reach out directly if she has any additional questions or concernsKathryn D[redacted] Compliance Specialist for Prestige ??" 801-844-or kd[redacted]@gopfs.com

In response to this complaint, I have reviewed the account, notes, and payment historyHaving analyzed the matter I believe we followed all applicable lawsWe have attempted to reach out to Ms[redacted] in an effort to discuss her concerns and offer her alternative settlement options,
unfortunately we have been unable to speak with her ? Based on my review, when Ms[redacted] was unable to make her monthly installments on the loan an authorized third party started making the paymentsHowever, the loan was never transferred to the third partyOnce the loan went into default we informed the third party and made several attempts to notify Ms[redacted]Unfortunately, we were did not hear back from Ms[redacted] so we were unable to discuss the situation with her at the timeLater we were informed by the third party that the vehicle did not have an engine and value was less than the cost of repossessionBased on the information, we negotiated a payment to release the titleHowever, this did not settle the remaining balance on the accountAgain, throughout the process we have been reaching out, and continue to reach out, to Ms[redacted]? ? If Ms[redacted] has any further questions or concerns I would encourage her to reach out to me directlyKathryn D[redacted], Compliance Specialist ??" 801-844-or kd[redacted]@gopfs.comIf she would like to discuss settlement options she may contact the Suzette V[redacted], Vice President of Recovery ??" 801-844-or sv[redacted]@gopfs.com

As set forth in the initial response, we have reviewed the credit file that we have submitted to the credit bureaus and it accurately reflects the payments that have been made on the accountHowever, the credit bureaus have not reflected the information we have provided in her credit reportWe are attempting to resolve the issue by resubmitting the payment history but ultimately the credit bureaus control how they reflect the provided information? ?

In response to this rejection, I have reviewed the account historyBecause the incident in question took place almost years ago we are unable to confirm the specific context of the discussion between Mr[redacted] and his account representativeI personally reached out to the consumer in an effort to discuss his concerns, unfortunately I was unable to speak with him? If he has any other questions, I would encourage him to reach out to me directlyKathryn D[redacted], Compliance Specialist for Prestige ??" 801-844-or kd[redacted]@gopfs.com

?
Complaint: [redacted]
I am rejecting this response because:
The vehicle was picked up because I volunteered to have it picked upAgain, my financial situation changed the expenses I could afford including this loanI talked to management on plenty occasions to try and keep up with payments the best I couldSo why am I being sued for 15k if I couldn’t afford the car note? The car was soldSo why are you all trying to destroy me with this frivolous lawsuit? Give me a break? Sincerely,
[redacted]

In response to consumer complaint, Prestige has been able to place a Cease and Desist on the account and will only be contacting consumer by email only Prestige does apologize for any inconvenience we have caused Ms[redacted] If Ms[redacted] has any further questions or concerns she is welcome
to contact out office and speak with Kacee P[redacted] Compliance Specialist at ###-###-#### We do look forward to speaking with Ms[redacted] in the future

In response to consumer complaint, Prestige has been able to conduct an investigation into the consumers concerns about her contract and date of last payment.? The consumer signed a month contact and the estimated date of last payment is May 4th, 2020.? This is not a quarantine to be
the last payment, there are certain circumstances that can push this payment out further, for example if the account were to received an extension than that month would be added to the end of the loan.? We do apologize if there has been any miscommunication regarding the contract.? We do hope this helps the consumer understand how the contract was signed and agreed to.? If she receives a response to this complaint she is welcome to contact the Compliance Specialist at ###-###-#### or [redacted] with any questions or concerns regarding her account

?
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me
Sincerely,
[redacted]

In response to this complaint, I have reviewed the account and payment historyHaving analyzed the matter, I believe all payments have been applied correctly and the customers balance is correctI personally reached out to Mr[redacted] in an attempt to discuss his concerns, unfortunately I was
unable to reach himBased on my review, the original term of the contract was monthsHowever, based on the consumers request there were days of payment extensions as well as another days repayment delay in due date changesEach time a payment extension or a due date change is requested the customer is read a disclosure informing them that interest continues to accrue which could result in the contract being extendedAdditionally, out of the payments made by Mr[redacted] only of the payments were made on or before the specified due dateThis resulted in more interest accruing between the installments and several late feesThe customer also accrued several returned check fees throughout the life of the loanAs such, the current balance is correctIf Mr[redacted] would like a copy of his contract or to discuss the balance in more specific detail I would encourage him to reach out to me directlyKathryn D[redacted], Compliance Specialist for Prestige ??" 801-844-or kd[redacted][email protected]

In response to this rejection, I believe we have addressed all of Ms[redacted]’ concernsAgain, we do not perform the evaluation and the amount her insurance pays is an issue between her and her insurance companyIf she has any additional questions pertaining to the insurance companies evaluation and deductions she will need to contact State Farm directlyIf she would like to speak with someone at Prestige she is welcome to reach out to me Kathryn D[redacted], Compliance Specialist ??" 801-844-or kd[redacted]@gopfs.com

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me
Sincerely,
[redacted]

In response to this complaint I reviewed the account history, and notes.? I also reviewed the phone calls to see if Mr[redacted] was treated in an unprofessional manner.? Having reviewed the matter, I believe we followed all applicable laws, and I am unable to corroborate Mr[redacted]’s
claimsI personally reached out to Mr[redacted] to discuss his concerns and see if we could meet his desired resolutionUnfortunately, as of today I have been unable to speak with himWe value Mr[redacted] and want him to have a positive experience.? As such we have reassigned the account to a new account manager.? In consideration of the credit reporting concern, the matter has been reviewed and all account info on Prestige’s’ end appears to be reporting accurately, additional correspondence will be sent to the customer regarding this issueIf this does not meet Mr[redacted]’s desired resolution or if he has any additional questions or concerns, I would encourage him to reach out to me directly ??" Kathryn D[redacted] ??" Compliance Specialist for Prestige ??" kd[redacted]@gopfs.com.?

In response to consumer complaint, Prestige was able to conduct an investigation into the consumers concerns.? As of April 29th, 2016, consumers will not receive phone calls until they are days past due.? Prestige does not have a grace period, therefore the payment is due on the date
they signed up for.? Prestige has received no communication back from the consumers regarding the payment and when it will be made.? If the consumer were to provide this communication we would not have to reach out to them on a daily basis.? We are able to work with the consumers as much as possible but are unable to do is if we are unaware of what the circumstances are with there account.? In regards to receiving the payment before the month is over, that is accurate we do have to receive a payment every single month.? The account manager is obligated to reach out to the consumers per policy's and procedures.? The consumers are welcome to contact us and make arrangements on the account if there are? certain? circumstances preventing them from? making there payment on there agreed due date.? ? If she receives a response to this complaint I would encourage her to reach out to Prestige to make arrangements on her account.? She is welcome to contact her account manager back via email, text or phone call to set something up, if she is unable to reach her account manager to do so please have her contact Customer Service at ###-###-####.? If Mrs[redacted] has any further issues regarding her account or questions she is welcome to contact the Compliance Specialist at Prestige ###-###-#### or [redacted]@gopfs.com.? We look forward to hearing from Mrs[redacted]

In response to consumer
complaint, Prestige Financial Services has reviewed the consumers account and
after our investigation we show that Mrs[redacted] has set up Automatic payments
for the 1st of each month.? If Mrs[redacted] would like to change
or adjust anything regarding her account and
automatic payments she is welcome
to contact her account manager Diana at ###-###-####.? We look forward to
assisting Mrs[redacted] in the future
Thanks,