Prestige Financial Services, Inc.

In response to this complaint, I reviewed the payment history and notes. I personally reached out to Mrs. [redacted] to better understand her situation and resolver her concerns. I was unable to reach Mrs. [redacted], however, on September 23, 2016 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 801-844-0502 or [redacted]

Complaint: [redacted]
I am rejecting this response because:Paper work regarding my husbands mental state was sent and approved by his doctor, that he is NEVER to make financial or any business related matter. They need to review the file again if they still cant find the papers stating his condition, they may call me and I can sent another copy.
Sincerely,
[redacted]

Complaint: [redacted]
I am rejecting this response because:I have called Kathyrn twice this morning and even left a voicemail regarding this. I have been able to reach my account manager without issues on this. Again if you want to reach me you have my numbers, yes hours are make it hard to accommodate but that comes with my career. I am going to opt for Revdex.com to offer a hearing on this so I can bring in legal counsel to discuss and go over PFS what their options are. While you cannot provide info on some a few years ago, I have series of emails like this that I have provided to my attorney and to the FTC in a separate case.  Thank you, 
Sincerely,
[redacted]

In response to this complaint I reviewed the account history, and notes.  I also reviewed the phone calls to see if Mr. [redacted] was treated in an unprofessional manner.  Having reviewed the matter, I believe we followed all applicable laws, and I am unable to corroborate Mr. [redacted]’s...

claims. I personally reached out to Mr. [redacted] to discuss his concerns and see if we could meet his desired resolution. Unfortunately, as of today I have been unable to speak with him. We value Mr. [redacted] and want him to have a positive experience.  As such we have reassigned the account to a new account manager.  In consideration of the credit reporting concern, the matter has been reviewed and all account info on Prestige’s’ end appears to be reporting accurately, additional correspondence will be sent to the customer regarding this issue. If this does not meet Mr. [redacted]’s desired resolution or if he has any additional questions or concerns, I would encourage him to reach out to me directly – Kathryn D[redacted] – Compliance Specialist for Prestige – kd[redacted]@gopfs.com.

In response to consumer complaint, Prestige was able to reach out to Mr. [redacted] and come to agreement. Mr. [redacted] was able to speak with one of our Vice Presidents Todd S[redacted]. Mr. [redacted] was satisfied with there conversation. If Mr. [redacted] has any issues in the future he is welcome to contact our...

office. We do look forward to working with Mr. [redacted] in the future.

In response to this complaint, I have reviewed the account notes, text messages, emails, phone calls, and payment history. Having analyzed the matter, I believe we have followed all applicable laws. I did not attempt to reach out to Ms. [redacted] as she requested that we cease and desist all...

communication in January 2017.   Based on my review, we received an inquiry from the customer on December 1st, 2016 asking if she qualified for a lower payment or a deferment that month. On December 15, 2016 Ms. [redacted] approved a payment of $145.00 to be made on December 31, 2017 via text. An error was made by our representative and payment was entered and eventually processed for $245.00. In an effort to avoid errors like this we send subsequent confirming communications. In this matter, we sent 3 subsequent texts, each with the $245.00 payment amount, to Ms. [redacted] before the payment was withdrawn. Unfortunately we did not hear back from the consumer and the payment was processed. As such, we have waived $156.00 in fees from the account.     After the payment was processed Ms. [redacted] contacted our office on January 3rd, 2017. During that conversation we offered to address the situation either through a refund or by accepting a lower payment amount in January. Ms. [redacted] did not accept either option. She informed us that the payment was disputed with her bank and that she no longer wanted any form of contact from us. Ms. [redacted]’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 2016 payment and her account went into default. Ms. [redacted] also failed to make a payment in February 2017. The last payment Ms. [redacted] made, which was not reversed, was March 3, 2017. Based on the delinquency of the account, the vehicle was repossessed.   Ms. [redacted] has been in contact with our office but no resolution has been reached to date. If she 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 Financial has been unsuccessful in reaching Lydia h[redacted] regarding her concerns. We are still willing to work with Ms. H[redacted] but would like to be able to communicate with her to be able to come to a resolution. Ms. H[redacted] is welcome to contact Kacee...

P[redacted] Compliance Specialist at [redacted]. We look forward to working with Ms. H[redacted] in the future.

In response to consumer complaint, Prestige Financial was able to reach out to Mrs. W[redacted]. We offered an extension on her July payment, we received no response from the consumer authorizing the extension on the account. Mrs. W[redacted] was able to make a full payment on the account for July 2015 payment....

At this time the complaint has been resolved. If Mrs. W[redacted] has any additional questions or concerns she is welcome to reach out to Kacee P[redacted], Compliance Specialist at [redacted] we look forward to working with Mrs. w[redacted] in the future.

In response to this complaint I reviewed the account history and notes.  I also reviewed the account to see if Ms. [redacted] was treated in an unprofessional manner.  Having reviewed the matter, I am unable to corroborate Ms. [redacted]’s claims.   I personally reached out to Ms....

[redacted] to discuss her concerns and see if we could meet her desired resolution.  Unfortunately, as of today, I have been unable to speak with Ms. [redacted].  At this point we have reassigned the account to a new account manager.  If this does not meet Ms. [redacted]’s desired resolution or if she has any additional questions or concerns, I would encourage her to reach out to me directly – Kacee P[redacted] – Compliance Specialist for Prestige – ###-###-#### - [redacted].

In response to this complaint, I have reviewed the account notes, payment history, and phone calls. Having analyzed the matter, I found that the balance is correct. I personally reached out to Ms. [redacted] and was able to have a conversation with her regarding the balance. I explained that simple...

interest accrues daily based on the annual percentage rate. We also discussed how payments are applied. We reviewed her contract which outlines the interest rate as well as late fees for delinquent payments. I believe I have addressed and resolved the customers’ concerns. If Ms. [redacted] as any further 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 rejection, I believe we have addressed all of Mrs. [redacted]’s concerns. Our internal notes have been reviewed which corroborate the dates and dollar amounts of the payments that were authorized. The notes show that the payment authorization disclosure was read to Mr. [redacted] and he agreed to have the payment withdrawn on the date. If Mrs. [redacted] has any other 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

In response to this complaint, I reviewed the account history, notes, and trade line.  I personally reached out to Mr. [redacted] in an effort to speak with him and better understand his concerns.  Unfortunately, I was unable to speak with him.  Based on my review, Prestige is reporting...

accurate information to the credit reporting agencies.  With respect to Mr. [redacted]’s concern about the balance on his account, the balance is accurate.  As of today, the account is over 100 days past due and of the 28 payments made on the account, 2 (two) were made on time.  Additionally, Mr. [redacted] has received 180 days of extensions.  Late payments, missing payments, and extensions increase the time it takes to pay off an account.   If Mr. [redacted] has any additional questions or concerns, I would encourage him to reach out to me directly –  Kacee P[redacted], Compliance Specialist for Prestige – ###-###-#### or   [redacted]

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 bureau. Additionally, we...

only send the credit bureau’s information monthly. The 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 directly. Kathryn D[redacted], Compliance Specialist for Prestige – 801-844-2577 or kd[redacted]@gopfs.com.

In response to consumer complaint, Prestige was able to reach out to Mr. [redacted]. Prestige was able to explain to Mr. [redacted] what he needed to do to get the vehicle fixed. Explained to Mr. [redacted] that he would need to contact the dealership with concerns on the vehicle and the warranty. Mr....

[redacted] said he would be doing that, and also send us a copy of the letter he signed explaining that the dealership would fix all issues. As of September 30th, 2015 we still have not received a copy of any documentation from Mr. [redacted]. If Mr. [redacted] has any further questions or concerns he is welcome to contact Kacee P[redacted], Compliance Specialist at ###-###-####.

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

In response to this complaint, I have reviewed the account notes, phone calls, and information being submitted to the credit reporting agencies with the Assistant Vice President of our credit reporting department. Having analyzed the matter, I believe we have followed all applicable laws and am...

unable to corroborate Ms. [redacted]’s claims. Based on my review, due to the past due status of the consumer account we reached out to her on October 26th 2015, during this conversation Ms. [redacted] advised us that the transmission in her vehicle was going out and the dealership would not assist her with the recall. The dealership informed her it would be about $5000 to fix the vehicle, and she stated she would not pay for the vehicle because it was not running. We requested the customer provide us the documentation from the dealership of the estimated cost of repairs and she agreed that she would fax the information over. Despite efforts to contact Ms. [redacted] we did not hear from her again until we received a text message on November 3rd. 2015 that read “Please come get vehicle from the address on file. Cease and desist from all contact including phone calls and texts.” We also did not receive any documentation regarding the repairs needed. As requested by the consumer we requested for the vehicle to be picked up and ceased all contact. In consideration of the credit reporting concern, we are required by the FCRA to report complete and accurate information, based on the above mention events the voluntary repossession reported to the credit reporting agencies is correct along with all other information being submitted by Prestige. 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. I was able to verify that a payment was withdrawn prematurely and apologize for any inconvenience that may have been caused and we waived $44.00 in fees associated with the issue.   As to the...

allegation of improper third party contact, based on my review we had been unsuccessful in our attempts to contact the consumer for over a month and the account was passed due. The third party was contacted to try and locate and re-establish communication with the consumer. I cannot find any reference to the disclosure of personal information or any reference to a debt being owed. In consideration of the concern with the extension, there was a call between an Assistant Vice President of collections and the consumer where a prior extension was discussed. According to our file, the consumer asked about the extension and the Assistant Vice President explained that we could reverse the extension but that it would put the account 3 months past due. After it was clarified, the extension was not reversed. If Ms. [redacted]’s has any other 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.

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 rejection, I believe we have addressed all of Mr. [redacted]’ concerns based on my review of the file. Additionally, the account has not been sent to a collection agency. Our internal notes have been reviewed which corroborate the agreement for the 3 month extension, as well as the acceptance of a lower payment not being agreed to as a permanent change.   If Mr. [redacted] has any other questions or concerns I would encourage him 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 rejection, I have reviewed the account history. Because the incident in question took place almost 3 years ago we are unable to confirm the specific context of the discussion between Mr. [redacted] and his account representative. I personally reached out to the consumer in an effort to discuss his concerns, unfortunately I was unable to speak with him.  If he has any other questions, I would encourage him to reach out to me directly. Kathryn D[redacted], Compliance Specialist for Prestige – 801-844-2577 or kd[redacted]@gopfs.com.