Kenneth Janning & Sons Inc

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

Complaint: ***
I am rejecting this response because:
Thank you so much for taking the time to respond, I do appreciate
thatI will be declining the proposal for multiple reasons which I will
explainThe first reason as to why I am disputing the response is because you
stated that you felt like the company followed all applicable lawsAlthough on
06/I emailed Daniel and advised him to put a cease on my emails, which then
I got a response that same day, advising that I will no longer be contacted via
emaildays later, on 06/I got another collection email as well as on
08/and 08/03/which is in full violation of the FDCPAAnother violation
of the FDCPA was when Prestige called me on 07/at 9:30am which was not answered
due to me being at workI then called them back at 9:45am and spoke with them in
regard to my account and what I was able to doEnd of conversation comes and
Daniel then again attempts to contact me at 9:57amAlong with the FDCPA being
violated, I took upon myself to do some research on UDAAPs law which then came
my second point
Although in your email, you stated that I was contacted due
to my delinquency of my accountI was consistently in contact with Prestige Financial
about my very personal reasons as to why my payments were lateI have answered
my phone and kept in contact with PrestigeThat was not enough, as Daniel
started to contact my references even though he talked to me consistently and
had a reliable phone number that I would answerOn
08/11/at 3:22pm Randy J*** called me and I then asked him to stop
calling my references because there is a good number on fileHe then states to
me that He can put a hold out on my references, but If I become delinquent
again that they will be calledI advised him multiple times to stop calling my
references and at that point he then tells me that payment arrangements are no
longer available to me because I as well advised the company to stop calling my
references
This brings me to my other point, where you said in your
email that Prestige is willing to work with meI have had multiple conversations
in regards to my account where it was clearly stated and emailed that I would
no longer have the option of being helped on my accountOn 06/and 06/31, It
was mentioned that payment options are now invalidI understand my contract that I signed, but I
also understand the laws in regards to UDAAP, which was clearly violated as well
On my contract it says I only put down $500, again I put down $as requested
to get the vehicleI have done my research on the CFPB Consumer Laws and
Regulations, UDAAP, and when I first signed this loan my contract was deceptive
as to how much I put downUDAAP states the unfair, deceptive, or abusive acts
and practices which I was clearly a victim ofI was in fear that my vehicle
was going to be taken due to the wording that your managers and agents were
using
I appreciate this loan and my vehicle, as I use this to get
to and from work, but since I have taken out this loan, I have been very
stressed and emotionally drained because of the communications with this
companyNothing has been consistent as to what you are saying and the service
that has been given towards myselfAs a result, this is what I am proposing
Moving forward for the best interest of myself and as well as the company I
want my payment lowered to $a month and to make that payment biweekly on my
paydatesI would like to request a due date change that way I can stay on top
of my payments and pay on timeI would like to take advantage of the lower
interest rate, that being said on my paydates you can automatically withdraw
$
Again I appreciate the time you have invested and being
given this loan, but I feel very strongly that I was treated wrong although I
am trying everything I can to stay on top of this loan and keeping in contact
and divulging private information to let them know as to why I wasn’t able to
pay on my due date
Sincerely,
*** ***

Complaint: ***
I am rejecting this response because: It a was Honda Accord and the interior was not in great shape, so why I am being charged for these items
Sincerely,
*** ***

Ms*** has been in contact with our office and is going to provide some additional documentation regarding the situationOnce our office has the documentation it will be reviewed and we will reach out to her regarding any additional refund

In response to consumer complaint, I was able to personally look into the concerns the consumer has. As of today, we do not find any information to corroborate the consumers concerns. At this time, prestige put a Cease and Desist on the account and was placed on the account in March of 2016. Since then no one at prestige has contacted any references or family members in regards to the consumers account with us. I do encourage the consumer to reach out to me if she has any further concerns or questions. She can contact Prestige Financials Compliance Specialist - Kacee P*** - 801-844-kp***@gopfs.com

In response to consumer complaint, Prestige Financial is was unable to approve the application due to some Credit report issues*** is welcome to contact the credit reporting agencies and obtain a copy of the credit report that shows all accounts currently open and closed on their report At
this time, Prestige has done everything we can to help If consumer has any other questions or concerns they are welcome to reach out to Kacee P*** the Compliance Specialist at ###-###-####

In response to consumer complaint, we have placed a block on the account to avoid contacting customer until their account is days past dueWe do encourage customer to contact our customer service department at ###-###-####, to learn more about our Rate Reduction ProgramIf consumer has any
further questions in regards to her account she is welcome to contact the Compliance Specialist at ###-###-#### or ***@gopfs.com

Complaint: ***
I am rejecting this response because: we do honestly believe that prestige could offer a simply solution to this whole thi g, by lowering the intrest rate to affordable payment the actually blue book the truck is less than 11,with the milage on that truck, the amount that has already been payed on the truck, would be tgge simpler solution, we ×ant to keep the truck, we are willing to pay for it, but with payments we can afford, without being upside down in the truck, as we stated before, if that truck goes to the auction block, they will not receive that much for it, bu we are willing to work with prestige to pay affordable payments to pay off the loanThey need to see that under our cirmustances, we only have so much money to pay, and with the true honest value of the truck, they are making i/ impossible to work out a solution, it sounds as though we continue to offer paying on the truck at reasonable terms with intrest with payments we can affordWe have reach out to prestige since Nov 2017, on trying to work out this problem, all lenders wants payments made, but we are asking this company to work with us, to resolve this problem, as quickly as we can , with terms we can adfford and the true value that the truck is worth, we have has mutiple medical reason, that got us in the bk, and even though we paid the trustee to make payments on the truck still leaves us in tgge same situation, when you have a lender who refues to accept or work with us, to be able to keep the truck and to pay on itWe are limited on what we have to pay on the truck and then the real true value of that truckWe are again asking prestige to work with us on a payment we can afford,
R
Sincerely,
*** And *** ***

We have attempted to contact Ms***, but she has indicated that she will call in on Monday and speak with our OVP of Collections Leah to resolve what issues she has. we are responding now to meet the deadline

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

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

The information reported on Mr***'s account is accurate. Mr***'s payments for the disputed months were indeed days past due

In response to this complaint I reviewed the account history
and notes. Our Compliance Officer personally reached out to Mrs***
to better understand her situation and resolve her concerns.
Unfortunately, as of today (January 8, 2016) he has not heard back from
Mrs.
***. With respect to her question about a message she
received several years ago, this message did not come from an unrelated third
party. Prestige does not disclose or discuss debts with unrelated third parties.
Additionally, we sent her an account statement showing how all payments have
been applied since the inception of her contract. Additionally, we have
placed a block on the account so no phone calls should be made to a place of
employment.
With respect to Mrs*** indicating she feels Prestige
has been ignoring her requests, I would like to apologize, we appreciate Mrs
*** and value her as a customer. Mrs***’s concerns were escalated
to our compliance department just before the Holidays, we had multiple people
on vacation during this time and were unable to investigate her complaint until
after the holiday season. Mrs*** is welcome to reach out to us with
any additional questions or concerns

In response to the consumer's complaint, we apologize for any inconvenience we may have causedWe have placed a cease and desist on the account and we will now only be contacting customer by mailIf the customer has any more questions or concerns contact Prestige Financial's Compliance Specialist
at ###-###-#### or ***@gopfs.com

In response to this complaint, I have reviewed the account notes, and payment historyHaving analyzed the matter, I believe we have followed all applicable procedures and am unable to corroborate Ms***’s claims Based on my review, Ms*** set up her December payment via our customer
website on December 28, to be processed on January 8th, While I do see attempts by our representative to have Ms*** move this payment to a date within December, there was no response and the payment was never movedIt was processed on January 8th, as requested Additionally, Ms*** set up her January payment via our customer website on January 29th, to be processed on February 11th, Our representative communicated with Ms*** via email on January 30th, which asked her to make her January payment on the 31stThe following disclosure was provided: “By giving me your payment information you authorize Prestige Financial to initiate a one-time electronic debit to your account held in your financial institution for $If this amount is less than your contracted monthly payment it may extend the term of your contractThe payment will be processed on 1/or the following business dayDo you agree?” to which she replied “Yes change to 31st please.” Based on this I believe the payments were authorizedIf Ms*** would like her payment refunded I respectfully request that she email me a copy of her bank statement showing the payment was returned so I can initiate that process for herShe may then contact her account manager Marco Moreno directly to set up a replacement payment arrangement If she has any additional questions or concerns I would encourage Ms*** to reach out to me directly Kathryn D***, Compliance Specialist for Prestige - 801-844-or kd***@gopfs.com

In response to consumer complaint, the Vice President over Ms***'s account was able to have communication with her Was reassured we will get this fixed on our side and would be touching base with you for future arrangements on her account We do look forward to working with Ms***
in the future, if she has any further questions or concerns she is welcome to contact Kacee P*** the compliance specialist at ###-###-#### or Adam the Vioe president over the account

In response to consumer complaint, Prestige has been unable to communicate with consumer in regards to her concerns on her account Prestige has placed a Cease and Desist on account to no longer contact her daughter If she receives a response to this complaint I would encourage her to reach out
to me directly so we can investigate her concern - Kacee P*** Compliance Specialist for Prestige Financial Services, ###-###-#### or ***@gopfs.com

Complaint: ***
I am rejecting this response because: I have a message that was able to be forwarded to my phone from a neighbor that I had never even spoken with prior to them being contacted by prestigeI called prestige and basically begged them to stop calling neighbors because of the dangers it imposed on mine and my children's safety which was blatantly disregarded because even after I was approached in the store and while walking my children to school by two additional person's that had also been contacted by prestige. Thank you for your time and please have a wonderful evening
Sincerely,
*** ***

Complaint: ***
I am rejecting this response because: I reject because they are reporting to the credit bureaus that I am late, how can I be late every month if my account is close and in collections, it shouldn't show late every month
Sincerely,
*** ***

I still have not received any emails from them or phone calls
Complaint: ***
I am rejecting this response because:
Sincerely,
* ***