Prestige Financial Services, Inc.

In response to this complaint, I have reviewed the inquiry in question with our credit reporting team lead. Ms. [redacted]’s credit was pulled in conjunction with an application to finance a 2016 Ford Focus at the Kunes County Ford Lincoln Mercury dealership. If she would like a copy of the credit...

application she signed she will need to contact the dealership directly. If she would like to speak with someone at Prestige she is welcome to reach out to me Kathryn D[redacted] Compliance Specialist for Prestige – 801-844-2577 or kd[redacted]@gopfs.com.

In response to Ms. [redacted]'s complaint, I have reviewed the account history and notes.  I have placed a cease and desist to prevent any phone calls being to Ms. [redacted]s place of employment, per her request.  I have also sent an account statement that provides a detailed breakdown of her...

payment history.  I apologize for any inconvenience, and hope that the information sent will be helpful in resolving any concerns Ms. [redacted] has.

In response to consumer complaint, Prestige Financial has reached out to consumer and was able to send over documentations to Mr. [redacted] on November 25th, 2015. Prestige has done everything we can at this point, we have sent email's to consumer as well as to what steps to take at this point. Mr. [redacted] is welcome to contact us if he needs any further questions or concerns answered. He can contact Kacee P[redacted] Compliance Specialist at ###-###-####. We look forward to working with Mr. [redacted] in the future.

In response to this complaint, I have reviewed the account notes, payment history, and communication between the customer and our representatives. Having analyzed the matter, I believe we have followed all applicable laws and company policies. Based on my review, at the time the extension was...

discussed the account manager was going to see if the customer’s request could be approved. The account manager checked and found out that the extension request was outside of our company guidelines. While an extension is not available, the account manager would be happy to discuss any other options that may be available. If she has any other questions or concerns she is welcome to reach out to me. Kathryn D[redacted], Compliance Specialist for Prestige – 801-844-2577 or kd[redacted]@gopfs.com.

Still have not git a phone call back from them.... They leave there numbers on the response but no picks up the call or returns my calls 
Complaint: [redacted]
I am rejecting this response because:
Sincerely,
 [redacted]

In response to Ms. [redacted]'s complaint, Prestige Financial has placed a cease and desist on contacting her place of employment and the references listed on her account.  The Assistant Vice President over her account, Travis, was able to contact Ms. [redacted]'s situation and explain the reason...

for contact.  Ms.  [redacted] was pleased with the resolution to this situation.

In response to this complaint, I have reviewed the account, and the information being submitted to the credit bureaus. Based on my review, Ms. [redacted] does have an open and active auto loan with Prestige and the trade line shown on her credit report is accurate. I have attached the signed consumer...

contract. 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:per your website,  it says good standing,  to me that means a person is making their payments from month to month,  nowhere on it does it state by or before the 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 do have proof of the phone call that their employee placed as well as proof that I have been in contact with them. I am attaching screenshots because the company likes to harass via text! I do not have to Ignore them. I've been paying for years. 
Sincerely,
[redacted]

In response to this complaint, I have reviewed the account notes, payment history, phone calls, and text messages. Having analyzed the matter, I believe we have followed all applicable laws and am unable to corroborate Mrs. [redacted]’s claims that unauthorized payments were taken out of her account....

Based on my review, there were two occasions in which Mr. [redacted] set up multiple payments over the phone. The first occasion took place on October 5th, 2016. During the course of this phone call the customer indicated he would like to set up ACH or electronic payments to avoid paying the processing fee for a credit card transaction. Mr. [redacted] agreed to a series of postdated payment for October, November, December, and January. The second occasion took place on August 7th, 2017 during the course of this phone call Mr. [redacted] agreed to a payment for August as well as a payment for September. Our payment disclosure was read on both occasions and Mr. [redacted] agreed. We value the [redacted]’s as customers and would like them to have a positive experience going forward. I have placed a block on their account stating that no more than one ACH payment should be set up during future phone calls. If Mrs. [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 consumer complaint, Prestige has been able to place a Cease and Desist on the account and will only be contacting consumer by email only. Prestige does apologize for any inconvenience we have caused Ms. [redacted]. If Ms. [redacted] has any further questions or concerns she is welcome...

to contact out office and speak with Kacee P[redacted] Compliance Specialist at ###-###-####. We do look forward to speaking with Ms. [redacted] in the future.

In response to this complaint, I have reviewed the application in question. Based on my review, the application had a lower rent amount than the consumers actual rent. Once the higher rent amount was discovered we declined to fund the deal. However, we did reach out to the dealership to provide...

alternate options in an effort to still provide financing. Based on the customers statement it appears that the vehicle was returned and the other financing options did not work out. We apologize for any inconvenience that may have been caused.   If Ms. Crews has any additional questions or concerns, I invite 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 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. [redacted] on her account and we will continue to wait to see if we receive the payoff. If Mrs. [redacted] has any further questions or concerns she is welcome to reach out to Kacee P[redacted] Compliance Specialist at ###-###-####, we look forward to working with Mrs. [redacted].

In response to this complaint, I have reviewed the account, notes, and payment history. Having analyzed the matter I believe we followed all applicable laws. We have attempted to reach out to Ms. [redacted] in an effort to discuss her concerns and offer her alternative settlement options,...

unfortunately we have been unable to speak with her.   Based on my review, when Ms. [redacted] was unable to make her monthly installments on the loan an authorized third party started making the payments. However, the loan was never transferred to the third party. Once the loan went into default we informed the third party and made several attempts to notify Ms. [redacted]. Unfortunately, we were did not hear back from Ms. [redacted] so we were unable to discuss the situation with her at the time. Later we were informed by the third party that the vehicle did not have an engine and value was less than the cost of repossession. Based on the information, we negotiated a payment to release the title. However, this did not settle the remaining balance on the account. Again, throughout the process we have been reaching out, and continue to reach out, to Ms. [redacted].     If Ms. [redacted] has any further questions or concerns I would encourage her to reach out to me directly. Kathryn D[redacted], Compliance Specialist – 801-844-2577 or kd[redacted]@gopfs.com. If she would like to discuss settlement options she may contact the Suzette V[redacted], Vice President of Recovery – 801-844-2610 or sv[redacted]@gopfs.com.

Complaint: [redacted]
I am rejecting this response because: They havent reviewed anything and I have the emails and voicemails that show to the contrary that the account managers are harassing and belligerent to the customers even after you setup arrangements. I've had this loan for 4 yrs and its been nothing but a constant harassment from the account managers before your payment is even due. Also if you requst a new one they refuse. 
Sincerely,
[redacted]

I haven't received any staements. only the one they sent at the beginning of this cpmplaint. If interest is applied first then principle, then all statements should bevrepetaive. but they are not
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 account, payment history, phone calls, and insurance claim documents. Having analyzed the matter, I believe we have followed all applicable laws and the balance owed is correct.   Based on my review, Ms. [redacted] made a total of 53 out of the 72...

payments agreed to on this account prior to the total loss of the vehicle. Out of the 53 payments made only 23 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 contract. The customer also made 16 partial payments during this time. The total balance, including all of the fees were included in the initial payoff quote provided to the consumer’s insurance. They may not have been paid by the insurance company due to the $500.00 deductible and the aforementioned payment issues.   After reviewing the paperwork provided by the insurance company, it appears that they paid the maximum amount the customers vehicle was worth. It also appears that the GAP claim was denied as the company determined that the value was paid and that the GAP agreement between the company and the consumer did not cover outstanding interest and/or late fees caused by late payments. While the insurance paid most of the balance on the account it did leave a remaining balance.   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 reviewed the account to see if Mrs. [redacted] was treated in an unprofessional manner.  I personally reached out to Mrs. [redacted] in an effort to better understand her concerns.  Unfortunately, I was unable to speak with Mrs. [redacted].  However, I...

reviewed phone calls and communication between Mrs. [redacted] and the Account manager.  At this time we have placed a Cease and Desist on her account so she will no longer be receiving communication from Diana.  Mrs. [redacted] is a valued customer and we want her to have a positive experience.  I would encourage her to reach out to me with any further questions or concerns - Kacee P[redacted], Compliance Specialist for Prestige 801-844-0502 or [redacted]

Prestige has attempted to contact Mr. [redacted] Multiple times with no answer.  Mr. [redacted] was indeed 30 days past due on the respective payments, but as stated before, as a courtesy to Mr. [redacted] we have updated his account to remove those late notations and mailed him an account statement.  If Mr. [redacted] has any further questions he may contact LeAnn, the Assistant Vice President of Customer Service at ###-###-####.

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]