Kenneth Janning & Sons Inc

In response to consumer complaint, Prestige was able to reach out to consumer and explain his account to him in detail Explained the amount financed and current balance Also, suggest that Mr*** send over a copy of the car fax report showing the vehicle was totaled before he purchased the
vehicle We look forward to working with Mr***, if Mr*** has any additional concerns or questions he is welcome to contact Kacee P***, Compliance Specialist at ###-###-####

In response to consumer complaint, Prestige Financial is not able to refund the consumer funds The payment was not cleared from her Bank and Prestige never received a full payment in September We have also still not received the payoff from the dealership that this vehicle was traded into to
We are still able to work with Mrs*** on her account and we will continue to wait to see if we receive the payoff If Mrs*** has any further questions or concerns she is welcome to reach out to Kacee P*** Compliance Specialist at ###-###-####, we look forward to working with Mrs***

Upon Receiving Ms***s complaint I have reviewed the
account notes and historyOn January 6th Ms*** requested an
account statement and copy of the contract, both were sent to her via email by
her account managerPrestige has offered a settlement of $*** to settle and
maintain
possession of the car, which she has refusedPrestige is still willing to
accept the $*** to settle and allow her keep the car

In response to consumer complaint, Prestige Financial was able to reach out to consumer and verify account information. We have received no communication in return from consumer since November 3rd, 2015. Prestige Financial is still willing to assist Mrs *** with any further issues
she may have. Mrs *** is welcome to contact Shaun, the Assistant Vice President over her account. We look forward to assisting in anyway that we can in the future

Complaint: ***
I am rejecting this response because:
Sincerely,
*** ***
this company needs to be investigated, they are hurting poor people credit scores and don't care I don't want I'm sorry, I want them to be investigatedthis is not right nor fairI did a chapter and also paid the *** car offand they still can mess with my credit score and it be okno this is not rightno I'm not rich nor do I have the money to fight these company's but this is not rightRevdex.com help me

In response to consumer complaint, Prestige Financial apologizes for any inconvenience we have caused to our consumer We do value her business and appreciate what a great customer she is with us We have placed a Cease and Desist on her account and she will only be receiving communication via
Email or Mail only from today(04/19/2016) on Prestige if more than happy to continue to work with our consumer for the remainder of her contractIf she has any further questions or concerns she is welcome to reach out to the Compliance Specialist at Prestige ###-###-#### or ***@gopfs.com

In response to consumer complaint, Prestige Financial has verified that the payment was authorized Mrs*** will receive a refund once we receive the payoff from the dealership and there is overpayment on the account Prestige Financial still has not received the payoff from the dealership as of today October 14th, If Mrs*** has any further questions or concerns she is welcome to contact Kacee P*** Compliance Specialist at ###-###-####

Complaint: ***
I am rejecting this response because: I do not accept this response in that it is overt harassment. Kathryn D*** can NOT validate my complaint because she has yet to correspond with me. The issue is that the company continued to call and harass me PRIOR to the payment being due. I arranged the due date for my car payment and was well aware of when it was due therefore, there was no need for the premature harassment. I have attached screenshots from my mobile phone whereas I clear ask Diane "L***" a very befitting nameto stop contacting because I was at work. Please review the attachments and inform me if I need to resend them.On 9/15/17, I received a text message that wanted to REMIND me that the payment was due. Please note that the company texts you as the same time they are on the phone with you.On 09/18/17, I received a text message saying that lost the insurance paper work and resend it???? I continue to receive a myriad of texts, calls, and emails during this time frame.On 9/18/17...see attachmentI receive an email from Regions financial Institution informing me that the payment had been sent and accepted by this company.On 9/20/17, I continue to tell this irate employee that I had already sent the payment electronically. she continues screaming and yelling and then she starts to text. I reply to the text by telling her that this is the LAST TIME that I would warn her about harassing me as I was uncomfortable, stressed out, and feared reprisal with this company. In that text response I told WOULD BE CONTACT THE Revdex.com the Federal Trade Commission as well as the FEDERAL COMMUNICATION COMMISSION. see attachment On 9/22/17, I again confirmed that my financial institution confirmed that they mailed in the payment. She continues to call and text during and after work hours....texting and emailing the same time she is on the phone. see attachments Please inform MsD*** that I do not and will not accept any form of respect from her company and that I do have documentation to verify everything that I am saying. I will not tolerate any employee from Prestige Financial Institution belittling and berating me regardless of the contractual agreement. Had she took the time to investigate the complaint; then she would be aware of the problems plaguing this company Also, the payment was not one day late, before the harassment started. Calls are being made as if the payment was more that days, more than 30. This is unreasonable after I continued to inform you that I am at work. But this employee screams into the phone as if she has some type of authority over me and I can assure her she does not. I do NOT and will not work with DIANE L***. they may assign another representative . this decision does not change. I will continue to inform all federal agencies of this company's fraudulent behavior.
Sincerely,
*** ***

Complaint: ***
I am rejecting this response because:the information being reported is not accurateI would like to move forward with other actions
Sincerely,
*** ***

I want to be able to call them and not have to deal with rude staffAlso I requested I copy of my title in April to get my car registration in Texas

In response to consumer complaint, Prestige has made several attempts to obtain a copy of the declaration page from consumer for updated Insurance policy information We have been unsuccessful at this time in retrieving such documents Prestige will continue to work with the consumer to show
updated insurance on his account It is important to maintain insurance at all times on the vehicle Prestige will continue to work with Mr*** in trying to help him get insurance updated on his account If Mr*** has any issues or concerns he is welcome to reach out to the Compliance Specialist at ###-###-#### or via email at ***@gopfs.com

In response to consumer complaint, Prestige has verified that on August 3rd, Mrs*** was explained how an extension works and what it would do to her account She was told by her account manager at that time to follow up with them and let us for sure know if she could make the payment or if she still needed the extension on the account Prestige never gave her the disclose for the extension, therefor unable to approve the extension at this time Prestige at this point has yet to receive payment from consumer We are still willing to work with Mrs*** but we have limited communication with consumer at this point to work our some arrangements Mrs*** is welcome to contact her account manager and set up arrangements on her account If Mrs*** does have any further questions or concerns she is welcome to contact Kacee P*** Compliance Specialist at ###-###-####, we do look forward to working and helping assist Mrs***

In response to consumer complaint, Prestige has been able to conduct a full investigation into the consumers account and concerns. Prestige has been in communication with the consumer regarding the account, we show that we tried to reach out to explain how her account is looking on May 26th,
with no response back from the consumer. As of today May 31st, the last payment that was posted to the consumers account is April 20th, 2016. This was a discounted payment and covered for the month of March 25th, installment. The consumer has three delinquent payments on the account. We are more than willing to work with the consumer in resolving this matter and helping get this account back on track. The consumer is welcome to contact the Assistant Vice President over her account Tyson S***, he has left several voice mails for the consumer and she is welcome to call him back to make arrangements on her file. If she has any further questions regarding this issue she is welcome to contact the Compliance Specialist at ###-###-#### or via email ***

Prestige has attempted to contact Mr*** Multiple times with no answer. Mr*** was indeed days past due on the respective payments, but as stated before, as a courtesy to Mr*** we have updated his account to remove those late notations and mailed him an account statement. If Mr*** has any further questions he may contact LeAnn, the Assistant Vice President of Customer Service at ###-###-####

Complaint: ***
I am rejecting this response because:Though I've gotten the information I requested and thanked the compliance person for their assistance, I still am not sure who the other party who contacted me was (Valerie G***)Per their social media account, they were not a representative of PFS nor an employeePlease see the attached filesThough some loopholes might have been used by not giving account details, loopholes I am not privy to due to my lack of knowledge on the subject, I still find it reprehensible that this is a method used to collect a debt.I've attached a screenshot of the profile holder used to contact my husband and a screenshot of the correspondenceThank you for your assistance regarding this matter
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,
*** ***

Complaint: ***
I am rejecting this response because: They have not provided evidence that their withdrawals were permissible
Sincerely,
*** ***

Complaint: ***
I am rejecting this response because:Paper work regarding my husbands mental state was sent and approved by his doctor, that he is NEVER to make financial or any business related matterThey need to review the file again if they still cant find the papers stating his condition, they may call me and I can sent another copy
Sincerely,
*** ***

In response to consumer complaint, Prestige Financial Services has reviewed Mrs*** account, in our findings we show that Mrs*** has had some late payments on her account causing most of her payments to go towards interest Mrs*** is in rolled in our Rate Reduction program and will
start seeing a different in her interest she pays If Mrs*** is able to pay closer to her due date she would be able to see more go towards principal We are happy to help in any way we can, if Mrs*** would like to contact us and try to discuss options on her account she is welcome to contact her account manager for those options If Mrs*** has any other concerns or questions she is welcome to contact Kacee P*** Compliance Specialist at ###-###-#### We look forward to hearing from Mrs***

Complaint: ***
I am rejecting this response because: On my credit report has them listed as a bankruptcy chapter and I signed a amend form alsoWhen I purchased the vehicle.They never report none of the payments
Sincerely,
*** ***