Kenneth Janning & Sons Inc

In response to this complaint, I reviewed the account history and notes.? I personally reached out to Ms.? *** in an effort to discuss? her concerns and better understand her situation.? Unfortunately, I was unable to speak with the Ms***? ? Ms***
signed up for Rate Reduction in December 2013, about one year after she signed her contract.? One important item of the program is making payments on or before a customers due date.? Since she signed up for this program, Ms*** has been unsuccessful in making her payments on her due date every month? Prestige will continue to honor the rate reduction as long as she follows the requirements of the program, including making her payments on time.? I would encourage Ms*** to contact me with any additional questions or concerns -- Kacee P***, Compliance Specialist for Prestige, ###-###-#### or ***

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Complaint: ***
I am rejecting this response because: Their rates are too high and by the time I pay this loan off I would have paid almost times the amount of the loanThere should be a law against companies like this oneMore than likely I will not have this car by the time this loan is paid off
Sincerely,
*** ***

Complaint: [redacted]
I am rejecting this response because: The consumer contact CRS group I have the faxed documents they sent into them on July they also contacted Younhong C[redacted] also have email from him an also he forwarded the voicemail to me that they left asking about my where about aThis is a lie an I have the prof where they have contacted people employers all of that.?
Sincerely,
[redacted]

In response to this complaint, I have reviewed the payment history and notesHaving analyzed the matter, I believe we have followed all applicable laws.? In consideration of the communication concern, I am unable to locate an instance in which our representatives attempted contact with the
customer more than once per day by phone call, and if a voicemail was left once per day by text messageI am also unable to locate any instance in which a representative stated that we do not care if the customer is sick or used inappropriate language.? I also reviewed the credit report and the account balance being submitted is correctOn May 7, Ms*** entered into a month contract to purchase a vehicleTo date, only of the payments have been madeAdditionally, the account has a number of issues that have impacted the current balanceFirst, only of the payments have been made on timeMs***’s payments have been a total of days late, averaging a little more than days late on each paymentSecond, of the payments were partial paymentsThird, Ms*** received a day extensionThese events have led to the accrual of additional interest, as well as several late fees? If Ms*** has any other questions or concerns, I would encourage her to reach out to me directlyKathryn Despain, Compliance Specialist for Prestige Financial ??" 801-844-or kd***@gopfs.com

In response to this complaint, I have reviewed the account notes, phone calls, and text messagesFirst, I would like to offer Ms[redacted] an apologyThe issue has been addressed with management and the account has been reassigned to a new account managerIf this does not meet Ms[redacted]s’ desired
resolution or she as any other questions or concerns, I would encourage her to reach out to me directlyKathryn D[redacted], Compliance Specialist ??" 801-844-or kd[redacted]@gopfs.com

In response to this complaint, I have reviewed the account notes, phone calls, payment history, and payoff quoteHaving analyzed the matter, I believe we have followed all applicable laws and contract stipulations Based on my review, the payoff balance provided is correctOn May 7, Mrand
Mrs[redacted] entered into a month contract to purchase a vehicleTo date, of the payments have been madePer the contract signed by both Mrand Mrs[redacted] interest accrues daily, and as payments are received they are always applied first to the accrued interest then to the principal amountAs explained to Mr[redacted] during the conversation with our office on March 12, the consumer is responsible for previously accrued interest regardless of the nature of the paymentWhile the consumer is welcome to pay off his loan at any time he chooses, it does include the interest that has accrued to up to the date of the payoffI am unable to locate any instance in which he was told he could not pay the loan offIf Mr[redacted] would like to obtain a current payoff quote he may contact our customer service department directly by phone at 888-822-or by logging in to his account on myprestige.com If he has any additional questions or concerns I would encourage Mr[redacted] to contact me directlyKathryn D[redacted], Compliance Specialist for Prestige ??" 801-844-or kd[redacted]@gopfs.com

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Complaint: ***
I am rejecting this response because: Through emails and phone calls with American family it is not to just this month Jan that they were able to reach anyone from PrastigeI am constantly getting calls about making payments on a car I do not have ? I have all the text emails and phone calls recorded and saved this should have been taken care of months agoI’ve never known any company that took this long to settleI guess next time I’ll just get an attorney to take care of all of this for me
Sincerely,
*** ***

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Complaint: ***
I am rejecting this response because: prestige financial has not called me on this matter of not reporting negative on my credit reportIn fact they pretty much threatened to "move forward" with efforts against me although a payoff was on its waySince then Nissan has paid the balance off and I have heard nothing from Prestige on the matterNo calls, no emails, no texts, or voicemails at all pertaining to everything being in good standingWhen I owed them they called and text and used every form of contact possible to ask for money but now that the loan has been paid I cannot get any contact informing me that there will be no negative impact on my credit history or score?! I want someone from this company to send me a letter of payoff, something in writing stating that my credit was not effected negatively, and then I will be satisfiedMy number is ***, which has not changed?
Sincerely,
Dejuan L***

In response to this complaint I reviewed the account history, credit trade line, and notes.? I personally reached out to MrsS*** in an effort to better understand her situation, I appreciate MrsS*** taking the time to speak with me.? With respect to MrsS***’s concern about her
account balance, based on my review the balance on the account is correctThere were payments made on the account prior to MrsS*** returning the vehicle, several of these payments were late, additionally, MrsS*** received days of extensions on the accountLate payments and extensions may extend the term of the contract.? After the vehicle was returned, Prestige agreed to accept $per month as payments from MrsS***.? As part of the settlement agreement Prestige reduced her Annual Percentage Rate (APR) to percent.? We appreciate her willingness to make payments.? However, this amount is substantially less than the contracted monthly payment, as a result the account was charged off.? At the time MrsS***’s account was charged off, her account was over days past due.? Having reviewed the matter, I believe we have treated MrsS*** in a fair and consistent manner.? If she has any additional questions or concerns, I would encourage her to reach out to me directly.? Prestige Financial - Compliance Specialist- ###-###-####-***

In response to MsJones’ concerns, I have reviewed the account balance and verified that it is correctThe payoff amount at the time the insurance claim was filed was $22,The primary insurance made a payment in the amount of $14,leaving a balance of $8,The GAP insurance company then made a payment in the amount of $7,leaving a deficiency balance of $The balances paid by both insurance companies do not cover payment extensions, missed payments, deductibles, accrued interest, or feesWe notified Ms[redacted] of the balance on April 4th, She asked us for the details in writingPer her request, we sent her a detailed breakdown of the account including each payment, interest, and any late or returned check feesBased upon her current concern, we sent another detailed account statement to Ms[redacted] for her records? If Ms[redacted] would like to discuss the options available to satisfy the balance she is welcome to reach out to her account manager Michelle Berry at 801-844-If she has any further 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

In response to this complaint, I have reviewed the account history, notes, and phone callsHaving analyzed the matter I believe we followed all applicable laws and am unable to corroborate Mrs[redacted]’s claimsPer her request that contact be in writing I have not reached out to her personally
? Based on my review, the notes indicate several payment arrangements had been brokenMatt did make contact with the customer in an attempt to assist with setting up a payment and avoiding repossessionHowever, there was no further contact made by Matt after the customer advised that payment would not be remitted by the deadlineAdditionally, based on the consumers request a block has been placed on the account ? As to the fresh start program, it was explained to Mr[redacted] several times that his last payment was only a partial payment and which made it so he no longer qualified for the fresh start programThere were also attempts made to assist the customers in getting back on the fresh start programAs the required payments were not made the vehicle was repossessedThe repossession occurred as the consumer was days past due ? Lastly, I have reached out to our customer service department and confirmed that an account history and a current account statement will be mailed out to Mrs[redacted] ? If the [redacted]’s have any further questions or concerns I encourage them 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: What happened to the "So-called", rate reduction program they claim to reward you???? Sincerely,[redacted]

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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 meI wasn’t informed of those options until I complained to my case manager and told him that they can’t force me to pay thatTheHe provided me with options?
Sincerely,
[redacted]

At this time, there is nothing Prestige Financial can do until Mrs[redacted] calls in and talks to her account manager about arrangements on her account At the time of the extension we did not have authorization to approve the extension because Mrs[redacted] has never agreed to the disclosure We are more than happy to help Mrs[redacted] from this point on She is welcome to contact Kacee P[redacted] Compliance Specialist or her account manager to discuss her account We look forward to hearing from Mrs[redacted]

In response to this complaint, I have reviewed the payment history, notes, and phone callsHaving analyzed the matter, I believe we have followed all applicable laws and contract stipulations Based on my review the account balance is correctOn February 6, Ms[redacted] entered into a month
contract to purchase a vehicleTo date, only of the payments have been madeAdditionally, the account has a number of issues that have impacted the current balanceFirst, only of the payments have been made on timeMs[redacted]’s payments have been a total of days late, averaging a little more than days late on each paymentSecond, of the payments made were partial paymentsThird, Ms[redacted] received a day extension on March 8th, These events have led to the accrual of additional interest, as well as several late fees The interest rate was also fully disclosed to Ms[redacted] prior to the contracts executionIt is in the contract pursuant to the truth-in-lending laws and we also discussed the interest rate in our customer interview prior to funding? Ms[redacted] did not express any concern over the interest rate at that timePrestige does offer a rate reduction program that may be something she is interested inIf she would like to discuss the details of this program she is welcome to reach out to me directly In consideration of the communication concern, I was able to confirm there was an error made by our representative and the appropriate block was not placed on the account, and the customer was contacted by email and text message when she had asked not to beI apologize for any inconvenience this may have causedThe issue has been addressed with senior management as well as with the individual representativeI have placed the appropriate cease and desist block on the account and Ms[redacted] will no longer receive any communication initiated by Prestige unless it is through mail If Ms[redacted] has any other questions or concerns, I would encourage her to reach out to me directlyKathryn D[redacted], Compliance Specialist for Prestige Financial ??" 801-844-or kd[redacted]@gopfs.com

In response to this complaint, I have reviewed the payment history, account notes, phone calls, and emailsI have also reviewed the information being reported to the credit bureaus with the Assistant Vice President of our credit reporting departmentHaving analyzed the matter, I believe we have
followed all applicable laws and contract stipulationsAlthough I was able to confirm the balance, as Ms[redacted] has been a great customer we waived the remaining balance and closed out the accountAdditionally, ? our credit reporting team has reviewed the account and verified that it has been reported accurately? ? If Ms[redacted] 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

In response to this complaint, I have reviewed the account history, payment history, notes, phone calls, and emailsBased on my review, a payment was scheduled on May 31, by the maker of the account, Ms*** ***In confirming the payment we verified the bank but not the account
numberOur policy is to verify bothAs a prior payment had been made by Ms*** from the same bank the June 1st payment was withdrawn from Ms***’s accountAfter receiving notification from Ms*** regarding this mistake, Prestige refunded the payment along with the bank feeWe sincerely apologize for the trouble and inconvenience that this caused Ms***The account manager who scheduled the payment has been retrained on our policy of verifying both the bank and the account number when payments are set up ? If Ms*** has any additional questions or concerns I would encourage her to reach out to me directly ? Ian T*** · Vendor Management Specialist · Prestige Financial Services · 801-844-· it***@gopfs.com

In response to Ms***'s complaint I have reviewed the accounts history and notes.? We value Ms*** as a customer and apologize for any inconvenience.? I have placed a? cease and desist on the account to? comply with Ms***'s complaint.?

In response to this complaint, I reviewed the account history and payment history.? We submitted an update to the credit reporting agencies to ensure that Mr[redacted]’s credit report would get updated.? After conducting our investigation I believe we were able to resolve his issue.? Mr[redacted]’s is an excellent customer and we want him to have a positive experience.? As such, I personally reached out to Mr[redacted]’s in an effort to speak with him and better understand his situation so we could meet his desired resolution.? Unfortunately, I have been unable to speak with him.? If Mr[redacted]’s has any additional questions or concerns, I would encourage him to reach out to me directly ??" Kacee P[redacted] ###-###-#### ??" [redacted]

In response to consumer complaint, Prestige was able to reach out to Mr*** and come to agreement Mr*** was able to speak with one of our Vice Presidents Todd S*** Mr*** was satisfied with there conversation If Mr*** has any issues in the future he is welcome to contact our
office We do look forward to working with Mr*** in the future