Kenneth Janning & Sons Inc

In response to this complaint, I reviewed the account history and notes.? As of today, September 30, 2016, Prestige has picked up the vehicle as requested.? I would encourage Ms[redacted] to reach out to me directly if she has any additional questions or concerns, Kacee P[redacted], Compliance
Specialist for Prestige ??" 801-844-or [redacted]

In response to this complaint, I have reviewed the payment history and notesHaving analyzed the matter, I believe the account balance is correctI personally reached out to Ms[redacted] in an attempt to discuss her concerns, unfortunately I was unable to speak with her ? Based on my review,
there have been several late or missed payments throughout the life of this loan, per the terms in the customer’s contract many of these instances caused late fees to be added to the account balanceThere have also been due date changes, and extensionsEach time a disclosure is provided informing the customer that the loan term will be extended which could result in additional interest accruingInterest also continues to accrue dailyEach time a payment is received it is applied to the accrued interest and then the principal balanceOn Ms[redacted]’s account many of the payments were made after the due date resulting in additional days of interest ? In consideration of the concern with Ms[redacted]’s previous account manager, the account was reassigned to a different account managerThis change was not made due to any payment application errorsAll payments are processed by our accounting department, not the individual account managersThe customer’s balance and payment history were not affected in any way.? ? If Ms[redacted] 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 rejection, I believe we have addressed all of Ms[redacted]’ concerns and the information being submitted to the credit reporting agencies is correctWhile the vehicle itself has been sold, Ms[redacted] still owes the outstanding balance that was used to finance her purchase of the vehicleThere have been no payments towards the balance since June of If Ms[redacted] has any additional questions or concerns she is welcome to reach out to me directly.? ? Ian T[redacted] ·? Prestige Financial Services · (801) 844-· it[redacted]@gopfs.com

?
Complaint: [redacted]
I am rejecting this response because:? Prestige financial is correct about the refund of the transaction & the NSF chargeIt was available? the morning of June 11th, 2018.? My disturbance & complaint is, because my rent payment? got rejected it forced my mortgage company to file? an eviction? on my account? due to the? returned? paymentThe late charges? daily are $75.00? per day & the attorney? fee's are? $566.00.? I emailed Marni the? account repmy ledger of the charges & where I had paid those fee'sMarni called me stating that she wanted to verify that they were not refunding or waiving any fee's not? ask them to waive some of the late fees which is? NOT what she told me? she was going to doThey had already told me "No" when? I asked, so it appeared to the mortgage company? that I put Prestige up to making them call the realtor company because they had already told me, "No"I received a not so pleasant call from there office, I have only been in this home since? November, 2017, so this does not appear as credible rental history by me being at the home for such short period of time? especially with an NSF? & returned ACH paymentThey have blocked me from? being able to make any more online payments.? I retained a very expensive pay day loan to stop the eviction process & the late feesI am asking Prestige to refund me the $charge the realtor charged me, the late fee's I paid $750, and the attorney fee's $in the total amount of $My realtor agreed to waive $in fee'sMy worry with that is I will never be able to get them to sympathize with me if I ever hit a hardship in my own personal life, because I used probably my only courtesy due to Prestige's mistakeThat's why? I didn't want them to waive the fee'sI have children in college, a grandbaby that I am helping raise, and other kids under the age of The refund is not unreasonable, the Missouri payday loan finance rate is almost 50%, this is know where near a fraction of what this error has cost me
Sincerely,
[redacted]

In response to this complaint, I have reviewed the account, payment history, phone calls, and insurance claim documentsHaving analyzed the matter, I believe we have followed all applicable laws and the balance owed is correct? Based on my review, Mrs[redacted] made a total of out of the
payments agreed to on this account prior to the total loss of the vehicleOut of the payments made only of those payments were made on or before the specified due date causing several late fees to be added to the balance as outlined in the contractThe customer also made partial payments and deferred another payments to the end of the loanThe balance on the account was provided to Ms[redacted]’s insurance and they made a determination on how much they would payOften times insurance companies will not pay deductible amounts or amounts caused by the consumers payment historyThis leaves the balance which is still owing? ? I also reviewed the credit report and the charge off status being submitted is correct.? After September 27th, payment there were no additional payments on the deficiency balance received from the customer until April 27th, This caused the balance to charge off ? If Mrs[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 and notesI also reviewed the credit reporting information in conjunction with the Assistant Vice President of our credit reporting departmentHaving analyzed the matter, I believe we have followed all applicable laws Based on
my review the account balance is correctOn December 19, 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 or before the due dateSecond, of the payments made were partial amounts less than the contracted installment amountThird, Ms*** received a day extension on December 31st, allowing her to skip her November and December payments and have them added to the end of the loanThese events have led to the accrual of additional interest, as well as several late fees ? I also reviewed the credit report and the charge off status being submitted and reflected is correct.? After the March 31st, payment there were no additional payments on the balance received from the customer until the sale proceeds were applied on September 16th, This caused the balance to charge off and interest continues to accrue daily If Ms*** has any additional questions or concerns, I would encourage her to reach out to me directlyKathryn D***, Compliance Specialist for Prestige Financial ??" 801-844-or kd***@gopfs.com

Complaint: [redacted]
I am rejecting this response because: This company reporting on my credit report that payments late and the account was charged off? without my knowledge? when I lost my car in accident that it was tolling out my payments was on timeI was waiting for the insurance company to pay the car off, but that didn't happenedI will never pay this loan off if this company until to charged last payment and interest on car loan that I no longer have the vehicleI just want justice
Sincerely,
[redacted]

In response to this complaint, I have reviewed the inquiry in question with our credit reporting team leadMs***’s credit was pulled in conjunction with an application to finance a Ford Focus at the Kunes County Ford Lincoln Mercury dealershipIf she would like a copy of the credit
application she signed she will need to contact the dealership directlyIf she would like to speak with someone at Prestige she is welcome to reach out to me Kathryn D*** Compliance Specialist for Prestige ??" 801-844-or kd***@gopfs.com

In response to this complaint, I have reviewed the account notes, payment history, and phone callsHaving analyzed the matter, I believe we have followed all applicable laws and I am unable to corroborate Mrs***’s claims Based on my review, the due date change in question was requested on
May 19, during the initial customer interview with our funding departmentThis change allowed the customer to adjust the due date from 05/28/to 06/25/The due date change disclosure was read to and agreed to by Mrs*** during this phone callAdditionally, the due date change letter confirming this adjustment was mailed out on May 20, I am unable to locate any instance in which Mrs*** was told we have no documentation or record of the due date change or disclaimerIn fact, our file shows that she was informed by an Assistant Vice President in our collections department that the change request was notated and the due date change letter was mailed outHowever, our collections department would be happy to work out an acceptable payment arrangement with the customer If Mrs*** has any additional questions or concerns, I would encourage her to reach out to me directlyKathryn D***, Compliance Specialist for Prestige ??" 801-844-or kd***@gopfs.com

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to meI do have proof of the phone call that their employee placed as well as proof that I have been in contact with themI am attaching screenshots because the company likes to harass via text! I do not have to Ignore themI've been paying for years.?
Sincerely,
*** ***

In response to consumer complaint, Prestige has been more than willing to help Ms[redacted] out with her current Auto loan Prestige has yet to receive any payment from Ms[redacted] since At this time there is nothing we can do remove this loan from Ms[redacted] Credit report We are happy to work
something out to help her close this account out If Ms[redacted] would like to speak with a representative at out office she is welcome to contact her Account manager over her file We do look forward to working with Ms[redacted] in the future

?
Complaint: ***
I am rejecting this response because: The Gap Insurance paid the account in full, I was never given a detailed statement showing the erroneous balance, I requested a copy last year and as of today I still have not received a statementMy credit report does not reflect any payments applied to my accountI'm really disappointed and frustrated with how the customer service department is allowed to operate
Sincerely,
*** ***

In response to consumer complaint, We have tried to reach out to consumer for a total of weeks with no response We are willing to work with consumer and help in anyway we can If the consumer would like to reach to Prestige Financial he is welcome to contact Kacee P[redacted] Compliance Specialist directly at [redacted] We look forward to working with MrL[redacted] in the future

In response to this complaint, I have reviewed the account history, our reporting of that history, as well as the Prestige trade lines for all credit reporting agenciesHaving analyzed the matter, I determined all information submitted by Prestige is complete and accurateOur credit reporting
team lead personally reached out to Ms[redacted] in an effort to discuss her concernsUnfortunately, as of today we have been unable to speak with her As Ms[redacted] makes payments her account the total balance will reflect appropriately.? ? Once the account has been paid, her account will still reflect as an account that was charged off, but will also indicate that the obligation was fulfilled.? It is our duty to report accurate information that follows the credit reporting guidelines set forthAll information reported in regard to the consumers account meets those guidelines at this timeIf Ms[redacted] has any additional questions or concerns I would encourage her to reach out directly to Kacee P[redacted], Credit Reporting Team Lead at 801-844-0502, or myself Kathryn D[redacted], Compliance Specialist at 801-844-

In response to this complaint we attempted to contact Ms
***.? Unfortunately we have been unable to speak with her.? She
recently indicated that she would like communication via email, our AVP of
Collections followwith an email to Ms***, but we still have not
received a response from her.? With respect to her request to move the due
date to the 30th of each month, we are unable to honor this
request.? Prestige has already provided Ms*** months of
extensions.? We value Ms*** as a customer and want her to have a
positive experience.? I would encourage Ms*** to contact us with
any additional questions or concerns.?

In response to this complaint, I have reviewed the payment history and notesHaving analyzed the matter, I believe we have followed all applicable laws and contract stipulationsI am unable to corroborate Ms[redacted]’s claims According to the account, the vehicle was damaged and Ms[redacted] did not
have insurance to cover the repairsThe damage was extensive and resulted in the value of the car being less than the cost of the mechanics lien, repossession and a potential auctionAs such, the vehicle was not repossessed and soldThe collision repair center may have executed on the mechanics lien and disposed of the vehicle but Prestige did not receive any funds on the account and Ms[redacted] is still obligated for her contractual balance Additionally, I reviewed the credit report and the charge off status being submitted is correct.? After March 22nd, payment there were no additional payments on the deficiency balance received from the customerThis caused the balance to charge offWe have offered assistance to Ms[redacted] in the form of a settlement but no arrangement has been agreed upon to date If Ms[redacted] would like to discuss the settlement option she may reach out to her account manager David T[redacted] directly at 800-577-If she 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 account notes, text messages, emails, phone calls, and payment historyHaving analyzed the matter, I believe we have followed all applicable lawsI did not attempt to reach out to Ms*** as she requested that we cease and desist all
communication in January ? Based on my review, we received an inquiry from the customer on December 1st, asking if she qualified for a lower payment or a deferment that monthOn December 15, Ms*** approved a payment of $to be made on December 31, via text.? An error was made by our representative and payment was entered and eventually processed for $In an effort to avoid errors like this we send subsequent confirming communicationsIn this matter, we sent subsequent texts, each with the $payment amount, to Ms*** before the payment was withdrawnUnfortunately we did not hear back from the consumer and the payment was processedAs such, we have waived $in fees from the account? ? After the payment was processed Ms*** contacted our office on January 3rd, During that conversation we offered to address the situation either through a refund or by accepting a lower payment amount in January.? Ms*** did not accept either optionShe informed us that the payment was disputed with her bank and that she no longer wanted any form of contact from usMs***’s’ bank reversed the payment and we placed a block on her account to limit future communications ? After the transaction was reversed, the customer did not make the December payment and her account went into defaultMs*** also failed to make a payment in February The last payment Ms*** made, which was not reversed, was March 3, Based on the delinquency of the account, the vehicle was repossessed ? Ms*** has been in contact with our office but no resolution has been reached to dateIf she has any other questions or concerns I would encourage her to reach out to me directlyKathryn D***, Compliance Specialist for Prestige ??" 801-844-or kd***@gopfs.com

In response to this complaint, I have reviewed the payment history, notes, and the information being submitted to the credit reporting agenciesHaving analyzed the matter, I believe we have followed all applicable laws and contract stipulations? Based on my review, the account balance is
correctOn November 2, 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 has been made on or before the specified due dateMs***’ payments have been a total of days late, averaging a little more than days late per paymentSecond, of the payments made were less than the contracted installment amountThird, Ms*** requested and received a total of extension days allowing her to defer a number of her payments till the end of the contractAdditionally, the account is currently days past dueAll of these factors have contributed to the current balance on the account? In consideration of the credit reporting concern, I have reviewed Ms***’ report with our credit reporting team leadThe report shows the customer as past due for October 2015, February and March 2016, and May I verified with the team lead that the report accurately reflect the payments on the account? Lastly, the documentation requested by the customer was emailed to her today, June 22, Additionally, I am unable to locate any communication in which she was told we would not provide this paperwork? If Ms*** has any other questions or concerns, I would encourage her to reach out to me directlyKathryn D***, 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 payment historyHaving analyzed the matter, I believe we have followed all applicable procedures and contract stipulationsI am unable to corroborate Ms[redacted]’s claims Based on my review, Ms[redacted] spoke to our
insurance claims department on January 12, and provided the information for her insurance carrierAt this time we informed the consumer that we had not heard from her insurance carrier but would reach out to themOur representative then informed Ms[redacted] that once payment was received from the primary insurance carrier we would assist her in filing a GAP claim but we would need a copy of her police report to do soThe consumer requested that we email her with the information to submit the police report which was sent once the phone call was complete We spoke to Ms[redacted] again on January 15, She informed us that her insurance adjuster should have a copy of the police report and that she knew it would be needed for the GAP insurance claimWe confirmed at that time that to her primary insurance company had not been available and we reached out to them againSubsequently, we received payment from the primary insurance company on February 2, Our claims representative followed up two additional times in an effort to obtain a copy of the police report to enable us to assist in the GAP claim to no availWe spoke to Ms[redacted] again on February 22, and informed her we still had not received a copy of the police reportThe police report was finally received the next dayWe reached out to Ms[redacted] to inform her that we sent the report to the GAP company and to let her know that we would continue to collect any amount that was not covered? The GAP insurance payment was received on March 8, The payment was applied the same day and the account was closedWhile we apologize for any inconvenience the delay may have caused, Prestige is a third party to the insurance claim process and therefore has no control over how quickly claims are processedAs requested I have attached a full payment history to this response for the customers review If Ms[redacted] has any additional questions or concerns I would encourage her to reach out to me directlyKathryn D[redacted], Compliance Specialist for Prestige FinancialWe would like to thank her for doing business with us and wish her luck in all her future endeavors

In response to consumer complaint, we have been able to confirm reporting and Prestige Financial has been able to send an update to all Credit Reporting Agencies to show accurate information Consumer can expect to see this update in the next 5-business days We do apologize for any incontinence
we have caused If consumer has any questions or concerns regarding her Credit report or account with Prestige she is welcome to contact Kacee P[redacted] the Compliance Specialist at ###-###-#### or via email at [redacted]@gopfs.com