Kenneth Janning & Sons Inc

In response to this complaint, I have reviewed the payment history, notes, phone calls, and insurance claim documentsHaving analyzed the matter I believe the balance on the account is correct ? Based on my review, the vehicle was deemed a total loss on August 15th, Prestige received
an insurance payment from the primary insurance company on September 22nd, The amount of this payment was determined by the insurance company based on the vehicles value, less a condition adjustment and the deductibleA claim was also submitted to the consumer’s GAP insurance companyIn general, GAP insurance covers the difference between what was paid by the primary insurer and what would have been owed had all payments been made in full and on timeThe amount is calculated by the GAP insurer, not by Prestige? When payment was made the GAP insurance provided a breakdown of how they calculated the amountIn this case, the GAP insurance took the amount financed, the number of payments, the payment amount, and the interest rate to calculate the amount due at the date of loss if all the payments had been made in full and on time? They then subtracted what the primary insurer paid, adjusted to 90% of the NADA value of the vehicle and made a $condition adjustmentThey then paid the amount of their calculation? ? The GAP insurance did not cover the payment extension, missed payments, or the late fees on the accountBased on our experience with GAP insurance, we were able to estimate the amount that would be remaining prior to receiving the GAP paymentWhile we sympathize with the situation and loss this incident has caused for Mrand Mrs[redacted], there is a balance remaining on the account ? If Mrs[redacted] has any additional questions or concerns I would encourage her to reach out to me directly ??" Kathryn D[redacted] Compliance Specialist for Prestige ??" 801-844-or kd[redacted]@gopfs.com

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? Based on my review the account balance is correctOn October 26,
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 amounts less than the contracted installment amount of $Third, Ms[redacted] received a day extension on July 29th, allowing her to skip her July and August 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? ? Additionally, the vehicle was impounded and repossessed for failing to pay tickets twice, in both June and December of In both instances the consumer did not have the funds to recover the vehicle and we paid $and $1,respectively to get the collateral out of impoundThere were also $in repossession feesThe previously mentioned day deferment provided to the consumer was an attempt to allow her to take care of her ticketsAll of these factors have contributed to the current balance on the account? 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 account notes, payment history, and phone callsHaving analyzed the matter, I believe we followed all applicable procedures and am unable to corroborate Mr[redacted]’ claimsI also believe we have addressed all of Ms[redacted]’s concerns
? Based on my review, Mr[redacted] had possession of the vehicle and was making the payments until February After that we were informed of the parties divorce and a request was made to remove Mr[redacted] from the accountHowever, the divorce proceedings are separate from the vehicle finance agreement and while it changes the division of assets between Mr[redacted] and Ms[redacted] it does not change their liability on the contract ? I also reviewed the file in regards to the voluntary repossessionThe first conversation between Prestige and Ms[redacted] regarding voluntary repossession took place March 15th, At that time, we informed Ms[redacted] that both she and Mr[redacted] would be held responsible for any balance remaining after the voluntary repossessionWe also offered alternative options the voluntary repossessionI am unable to locate any phone calls in which Ms[redacted] was told that the vehicle needed to be dropped off in Salt Lake CityWhen the drop off was mentioned, the account manager stated that ? we would need time to arrange a pick upMs[redacted] became very upset with our representative and disconnected the phone callWe agree this particular phone call could have been handled in a more professional manner by our representative and have addressed the issue with the account manager ? We spoke to Ms[redacted] regarding the voluntary repossession again on March 20th, Once again alternative options were discussedMs[redacted] stated that she would attempt to sell the vehicle personally and that she would follow up with us on or before March 22nd, ? We value both Mr[redacted], and Ms[redacted] as customers and want them to have a positive experienceWe are willing to assist with any options they feel are necessary while also following our appropriate proceduresIf the customers’ have any other questions or concerns I would encourage them 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 notes, payment history, emails, text messages, and phone callsHaving analyzed the matter, I believe we have followed all applicable laws ? I am unable to locate any instance in which the customer was contacted more than once per
day by any one form of contactBased on my review, the attempts at contact began on June 21st, as this is the date Ms[redacted]’s payment was dueWe received response from the customer on June 23rd via email advising us that she would be making her payment on June 30thBecause the payment would be made over a week late our representative asked Ms[redacted] if we would be able to secure it by postdated check or credit cardThis was an attempt to make things convenient for the customer and assist in avoiding any further delinquencyWe apologize for any inconvenience this question may have causedI have placed a block on the account and the customer will no longer be asked to postdate paymentsWe value Ms[redacted] as a customer and would like her to have a positive experience going forward ? 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

Complaint: [redacted]
I am rejecting this response because:You have failed to explain where the "30,additional student loans that Mike s[redacted] said was on the reportAll credit reports have been pulled There are no additional student loans All of my loans are with nelnetI will repeat since you cannot comprehend I have pulled all credit reports , Nelnet has combed through my credit report's, ? and Nelnet advised me to contact NLSD the national databank of any all government loans in the United StatesThere are no additional loansSince you say there is an additional student loan over 30,I need to see what you have because nelnet and the national dept of ed shows all loans I have taken over my lifetime are consolidated and held at Nelnet? You can't make up bogus reasons to deny someoneI'm sure you deal with simple minded people daily but you have crossed the wrong person to try and pushoverNot backing down sir, an additional 30,in student loans on my credit report is pretty serious So either you just simply lied or you were provided with a credit report with loans that I am mot aware of and you need to disclose my informationI will be filing with the ? consumer financial protection bureau as well.? Regards,
[redacted]

In response to this complaint, I have reviewed the information being submitted to the credit reporting agencies with our credit reporting team leadHaving analyzed the matter I believe Prestige has followed all applicable laws ? Based on my review, Ms[redacted]’s credit report does show her
vehicle as included in her previously filed Chapter BankruptcyHowever, Prestige is submitting accurate information though the agencies may not be reporting itHowever, we are working on a solution which will update the consumer’s report to reflect the status of the account ? Ms[redacted] is welcome to reach out to each credit agency and discuss the error with them for further explanationIf she would like to speak with someone from Prestige directlyShe may reach out to me Kathryn D[redacted], Compliance Specialist for Prestige ??" 801-844-or kd[redacted]@gopfs.com

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Complaint: [redacted]
I am rejecting this response because:
II recently contacted the Transunion credit bureau and spoke to a supervisor who informed me that this account was removed from my Transunion credit report at the request of Prestige FinancialServices
Sincerely,
[redacted]

In response to Ms[redacted]'s complaint, we have investigated the issue and? removed? Ms[redacted]'s? contact information from our system.? We? ? apologize for any inconvenience that may have been caused

In response to this complaint, I have reviewed the phone calls between Mrand Mrs[redacted] and our representative AbelI attempted to reach out to Mr[redacted] in an effort to discuss his concerns, unfortunately I have been unable to reach himAfter reviewing the call I agree that it could have
been conducted in a more professional mannerI would like to offer an apology on behalf of PrestigeAdditionally, the call has been addressed with senior management and the individual representative involvedAccording to the account notes, Mr[redacted] has spoken to another Prestige representative since this complaint was submitted and an acceptable arrangement has been reached If this incorrect or Mr[redacted] has any other questions or concerns I would encourage him to reach out to me directlyKathryn D[redacted], Compliance Specialist for Prestige ??" 801-844-or kd[redacted]@gopfs.com?

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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 me
Sincerely,
[redacted]

In response to this consumer complaint, I reviewed the account history and notes.? I personally reached out to Ms[redacted] in an effort to discuss her concerns and see if we could help.? Unfortunately, I was unable to speak with her.? Prestige offers a program to reduce a consumers
interest rate, Ms[redacted] participates in this program.? Ms[redacted] is an excellent customer and has? a? great history with Prestige.? We value her business and want her to have a positive experience.? If Ms.? [redacted] receives a copy of this response, I would appreciate the opportunity to speak with her and resolve any questions she may have - Kacee P[redacted] -###-###-####, or [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 me
Sincerely,
[redacted]

In response to this complaint I have reviewed the information being submitted to the credit reporting agencies as well as the information being reflected with each of the three credit bureaus in conjunction with the Assistant Vice President of our credit reporting departmentHaving analyzed the
matter, I believe we have followed all applicable laws and contract stipulations The account balance accrues interest and when the June credit file was submitted the [redacted] had not made the payment yetOnce their June payment was made it was applied to the account and the balance decreasedThe [redacted]’s have made all of the payments on or before the due date and we appreciate them as customersThe credit history was also reviewed and their perfect payment history has been reflected on the credit reports? If Mr[redacted]? has any additional questions or concerns I would encourage him 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 application in questionBased on my review, the application had a lower rent amount than the consumers actual rentOnce the higher rent amount was discovered we declined to fund the dealHowever, we did reach out to the dealership to provide
alternate options in an effort to still provide financingBased on the customers statement it appears that the vehicle was returned and the other financing options did not work outWe apologize for any inconvenience that may have been caused? If MsCrews has any additional questions or concerns, I invite her to reach out to me directly Kathryn D[redacted], Compliance Specialist for Prestige ??" 801-844-or kd[redacted]@gopfs.com

In response to this complaint, I have reviewed the information being submitted to the credit bureaus with our credit reporting team lead Based on my review, Ms[redacted]’ account with Prestige is only listed one time on each of the customer credit reports with each credit bureauAdditionally, we
only send the credit bureau’s information monthlyThe account is currently in a charge off status and is being reported accurately ? I also checked and was able to confirm that the proceeds of the sale of the vehicle were correctly applied to the account ? 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.? ?

Complaint: [redacted]
I am rejecting this response because: They keep saying I was suppose to follow up with them which is a statement? I told my account manager I didn't need time to think or follow upI informed I wanted to do the extension then.?
Sincerely,
[redacted]

In response to consumer complaint, we have been able to reach out to Mrs[redacted] and explain to her the Policy and Procedures we do have to take to be able to approve an extension on her loan Prestige never received communication back form Mrs[redacted] in regards to if she wanted to proceed
with the extension or not Prestige is unable to process the extension at this time, but is still willing work with Mrs[redacted] with arrangements on her account If Mrs[redacted] has any further questions or concerns she is welcome to contact Kacee P[redacted], Compliance Specialist at ###-###-#### We look forward to assisting Mrs[redacted]

In response to consumer complaint, Prestige has been able to investigate the issues addressed by the consumer Prestige is willing to move his due date by days at this point Prestige has policy's that only allow an account to have days to move a due date Mr[redacted] has already used of
those days and Prestige is unable to move his due date past the 11th of each month We are happy to continue to work with the consumer if he is needing more time to make his payment We have been able to place a Cease and Desist on his account for no further contact until his account is days past due If consumer needs additional time, he is welcome to contact us If he has any further questions or concerns he is welcome to contact the Compliance Specialist at Prestige ###-###-#### or [redacted]@gopfs.com

In response to this complaint I reviewed the account history and notes.? I also reviewed the phone calls to see if Ms[redacted] was treated in an unprofessional manner.? Having analyzed the matter, I believe we followed all applicable laws, and am unable to corroborate Ms[redacted]’s claims
? Based on my research an exception was made and the vehicle was picked up on 11/15/per the customer requestsIn consideration of the credit reporting concern, Prestige has an obligation to display due diligence and report all consumer account information accuratelyIf Ms[redacted] has any additional questions or concerns I would encourage her to reach out to me directly ??" Kathryn D[redacted] Compliance Specialist here at Prestige ??" 801-844-or kd[redacted]@gopfs.com

In response to this complaint, I reviewed the payment history and notesI personally reached out to Mrs[redacted] to better understand her situation and resolver her concernsI was unable to reach Mrs[redacted], however, on September 23, Mrs[redacted] spoke to a representative here at Prestige and
informed him that her bank had refunded the money back into her account.? At that time, Mrs[redacted] set up her scheduled monthly payment.? Mrs[redacted] is an excellent customer and has a great history with Prestige.? We value her business and want her to have a positive experience with Prestige.? I would encourage Mrs[redacted] to reach out to me personally if she has any questions or concerns - Kacee P[redacted], Compliance Specialist for Prestige 801-844-or [redacted]