Prestige Financial Services, Inc.

In response to MrsM***'s complaint, We were able to reach out to her and explain what had happened on her accountPrestige was able to send an update over to all three Credit Reporting AgenciesMrsM***'s credit report will be updated and fixed within three to five business daysMrs
M*** is welcome to reach out to me personally with any more concerns or issuesKacee P*** Compliance Specialist ***

In response to consumer complaint, we have been able to reach out to Mrs*** and explain to her the Policy and Procedures we do have to take to be able to approve an extension on her loanPrestige never received communication back form Mrs*** in regards to if she wanted to proceed
with the extension or notPrestige is unable to process the extension at this time, but is still willing work with Mrs*** with arrangements on her accountIf Mrs*** has any further questions or concerns she is welcome to contact Kacee P***, Compliance Specialist at ###-###-####We look forward to assisting Mrs***

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,
*** ***

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,
*** ***

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

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and will reach out to KP[redacted] regarding this matter. 
Sincerely,
[redacted]

Complaint: [redacted]I am rejecting this response because:  An apology does NOT assist in the embarrassment ensued- This was the result of an overage of 195.00 that your company would not budge from- even after an explanation was advised.  Prestige was contacted several times by the dealership to explain the difference, and several times the loan was rescinded.  The vehicle was delivered and I believed all to be completed.  Prestige took it upon themselves to default upon the loan and require the vehicles return.  THIS IS THE WORST CASE SENARIO AND THE PUBLIC SHOULD BE MADE AWARE TO *NEVER* CONDUCT BUSINESS WITH THIS COMPANY!
Sincerely,[redacted]

In response to this complaint, I reviewed the account history, notes, and the information being submitted to the credit reporting agencies. Having reviewed the matter, I believe we have reported all account information accurately.  I personally reached out to Mr. [redacted] in an effort to...

discuss his concerns, unfortunately I was unable to speak with him.   Based on my review Prestige is not reporting that Mr. [redacted]’s vehicle is included in his bankruptcy, nor have we removed the account from his credit report. The account is being submitted as open and active, and was included in our October and November submissions. We value Mr. [redacted] and want him to have a positive experience.  As such Prestige will send a letter the credit bureaus clarifying that our collateral is not included in the chapter 7 bankruptcy.  We take our obligation to provide complete and accurate information to the credit bureaus very seriously. If Mr. [redacted] has any additional questions or concerns I would encourage him to reach out to me directly – Kathryn D[redacted] Compliance Specialist here at Prestige – 801-844-2577 or kd[redacted]@gopfs.com.

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]

Complaint: [redacted]
I am rejecting this response because: I Have found hundreds of complaints against this company, as well as postings that what they do with the interest is illegal.  
Sincerely,
[redacted]

In response to this complaint, I have reviewed the account notes, text messages, and payment history. I apologize for any inconvenience that may have been caused by the miscommunication that occurred on the account. Based on my review, on July 10th the account manager reached out to see if Ms....

[redacted] would be able to make her payment on July 26, 2017. Ms. [redacted] responded that she could not make the payment until that date which the account manager understood as an authorization. Based on Ms. [redacted]’s request her bank account information has been removed from our system. We value Ms. [redacted] as a customer and would like her to have a positive experience going forward. If she has any other question or concerns I would encourage her to reach out to me directly. Kathryn D[redacted], Compliance Specialist for Prestige – 801-844-2577 or kd[redacted]@gopfs.com.

The information reported on Mr. [redacted]'s account is accurate.  Mr. [redacted]'s payments for the disputed months were indeed 30 days past due.

I am rejecting the response because Prestige is saying that when I talked to the account manager about my payment extension, I decided I didn't want to do it and advised I would call back.  This is simply not true.  The account manager tried talking me out of extending my payment but I explained that it wasn't an option and that I would take the extra finance charges.  Kacee the specialist advised that she listened to the call and when I asked to listen to the call she stated I couldn't.  I have the emails of communication from in which she stated these absurd claims.  I advised my account manager that I wanted the extension, now they are saying I didn't say that and without being able to listen to the call I cant prove that this is false.

Complaint: [redacted]
I am rejecting this response because:
Thank you so much for taking the time to respond, I do appreciate
that. I will be declining the proposal for multiple reasons which I will
explain. The first reason as to why I am disputing the response is because you
stated that you felt like the company followed all applicable laws. Although on
06/25 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
email. 6 days later, on 06/31 I got another collection email as well as on
08/01 and 08/03/2017 which is in full violation of the FDCPA. Another violation
of the FDCPA was when Prestige called me on 07/17 at 9:30am which was not answered
due to me being at work. I then called them back at 9:45am and spoke with them in
regard to my account and what I was able to do. End of conversation comes and
Daniel then again attempts to contact me at 9:57am. Along 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 account. I was consistently in contact with Prestige Financial
about my very personal reasons as to why my payments were late. I have answered
my phone and kept in contact with Prestige. That 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 answer. On
08/11/2017 at 3:22pm Randy J[redacted] called me and I then asked him to stop
calling my references because there is a good number on file. He then states to
me that He can put a hold out on my references, but If I become delinquent
again that they will be called. I 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 me. I 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 account. On 06/25 and 06/31, It
was mentioned that payment options are now invalid. I 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 $1000 as requested
to get the vehicle. I 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 down. UDAAP states the unfair, deceptive, or abusive acts
and practices which I was clearly a victim of. I 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
company. Nothing has been consistent as to what you are saying and the service
that has been given towards myself. As 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 $340 a month and to make that payment biweekly on my
paydates. I would like to request a due date change that way I can stay on top
of my payments and pay on time. I would like to take advantage of the lower
interest rate, that being said on my paydates you can automatically withdraw
$120.00.
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,
[redacted]

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.
I have indicated to the business that I would give them one more chance and if any furture payments are taken out before my due date, I will cancel the automatic withdrawal and will mail my payments.Sincerely, Dawn [redacted]

In response to this complaint, I have reviewed the payment history and notes. Having analyzed the matter, I again believe we have followed all applicable laws and am unable to validate Ms. [redacted] claims.   Based on my review the account balance is correct. On or about December 21, 2015 we received the proceeds from the sale on the vehicle of $4,084.50 which were applied to the account. There is a deficiency balance which continues to accrue interest. Additionally, there has not been a payment made on the account since that date.   In consideration of the credit reporting concern, we only report monthly. However, each time a item is disputed we investigate the claim and inform the bureaus of the result. Ms. [redacted] has disputed the item multiple times this year and each time we verify the information and update the bureau with the results of the investigation. It maybe that Ms. [redacted] is mistakenly equating dispute results with reporting multiple times.      If Ms. [redacted] has any other questions or concerns, I would encourage her to reach out to me directly. Kathryn D[redacted], Compliance Specialist for Prestige Financial – 801-844-2577 or kd[redacted]@gopfs.com.

In response to this complaint, I have reviewed the account notes, emails, as well as our interest accrual policy. Having analyzed the matter, I believe we have followed all applicable policies. Based on my review, on August 9th, 2017 Ms. [redacted] contacted our office and informed our representative...

she had lent her vehicle to a third party, it was totaled in an accident, there was no insurance on the vehicle, and it had been seized by the police. There was a discussion regarding a possible GAP claim as well as the past due status of the account. She was informed that the GAP policy may only apply if the vehicle was totaled and would not cover past due payments. Ms. [redacted] indicated that a payment would be made on August 18, 2017. Ms. [redacted] was then contacted by an insurance claims representative. The representative asked for a damage estimate to help evaluate whether it was totaled and to help file a claim. Our insurance claims representative was not able to get a damage estimate.   An email was sent to Ms. [redacted] on September 19, 2017 following up on the account as t as the August 18, 2017 payment was never received. On September 25th, 2017 Ms. [redacted] informed the us  that she would make a payment when she could. Ms. [redacted] then contacted our insurance claims representative on September 29th, 2017 and stated she would be sending in a payment via Money Gram. The insurance representative informed her that she does not handle any payments or payment arrangements but would notate the account. She was also informed that in order for a GAP claim to be filed they would need proof the vehicle was a total loss.   I would like to apologize if any communication caused Ms. [redacted] to feel insulted or threatened. A block has been placed on the account restricting any contact from Eric Yeo including emails. In consideration of the credit reporting concern, we still have not received a payment on the account since May 2017 and the account status has been reported according to the FCRA. Additionally, as there is an outstanding balance interest continues to accrue.   If Ms. [redacted] has any other questions or concerns I would encourage her to reach out to me directly. Kathryn D[redacted], Compliance Specialist for Prestige – 801-844-2577 or kd[redacted]@gopfs.com.

In response to this complaint, I have reviewed the account notes, phone calls, and payment history. Having analyzed the matter, I believe we have followed all applicable processes and am unable to corroborate Ms. [redacted]’s claims. Based on my review, Ms. [redacted] contacted our office on March 7,...

2018 for a payoff a quote on her account. The payoff balance for was provided, along with the per diem rate, and the payment was set up based on the bank information provided by Ms. [redacted]. Since that time the account reflects that Ms. [redacted] reset up the payment for the same amount and the account is closed. We appreciate her being our customer and wish her luck in all of her future endeavors. If Ms. [redacted] has any additional questions or concerns I would encourage her to reach out to me directly. Kathryn D[redacted], Compliance Specialist for Prestige – 801-844-2577 or kd[redacted]@gopfs.com.

Complaint: [redacted]
I am rejecting this response because:
Sincerely,
[redacted]
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 investigated. this is not right nor fair. I did a chapter 7 and also paid the [redacted] car off. and they still can mess with my credit score and it be ok. no this is not right. no I'm not rich nor do I have the money to fight these company's but this is not right. Revdex.com help me

In response to Ms. [redacted] concern, I have reached out to both the vice president of our underwriting department and the vice president of our funding department. When our funding department completed their verification of rent, they were told by Ms. [redacted]’ landlord that no other party was on her lease. While the situation is unfortunate, it was based on information we received when the lease was verified. Other options to complete the loan with Prestige were provided to the dealership but ultimately they were not pursued. Prestige cannot comment on why the other finance company was able to process the loan, as their underwriting standards may be different. We apologize for any inconvenience that may have been cause, and invite Ms. [redacted] to reach out directly if she has any additional questions or concerns. Kathryn D[redacted] Compliance Specialist for Prestige – 801-844-2577 or kd[redacted]@gopfs.com.