Prestige Financial Services

In response to consumer complaint, We have reached out to Cindy and have expressed to her that we do not tolerate un-authorized paymentsWe will further investigate this issueWe will make sure all her checking account information is not used on her account, and we will also get her account transferred over to a new Account managerInformed MrsB [redacted] we will also place a C/D on calling her while she is at work and to only reach out to her in the eveningsMrsB [redacted] is welcome to reach out to Kacee P [redacted] Compliance Specialist at [redacted] if thee are any issues or concernsWe look forward to working with and helping MrsB [redacted] out in the future

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 arrangementsI've had this loan for yrs and its been nothing but a constant harassment from the account managers before your payment is even dueAlso if you requst a new one they refuse Sincerely, [redacted] ***

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 days past due and of the payments made on the account, (two) were made on time Additionally, Mr [redacted] has received 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 account notes, payment history, and communication between the customer and our representativesHaving analyzed the matter, I believe we have followed all applicable laws and company policiesBased on my review, at the time the extension was discussed the account manager was going to see if the customer’s request could be approvedThe account manager checked and found out that the extension request was outside of our company guidelinesWhile an extension is not available, the account manager would be happy to discuss any other options that may be availableIf she has any other questions or concerns she is welcome to reach out to meKathryn D [redacted] , Compliance Specialist for Prestige – 801-844-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

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 evidence that price of the resale DID NOT come off and there are multiple hits to my credit report monthly for this accountIt's listed once but is being report more than once a monthThis needs to be removed from my report immediately Sincerely, [redacted]

I want to be able to call them and not have to deal with rude staffAlso I requested I copy of my title in April to get my car registration in Texas

Complaint: [redacted] I am rejecting this response because:December's payment was only returned due to the mistake of Prestige Financial. I informed the company immediately that a mistake was made only to be told you couldn't charge 145.00 or offer that amount when my account manager did and that I needed a bank statement to proceed with any refunds. A second payment was returned due to fraudulent activity on my account and not due to insufficient funds. I was unaware my bank would reverse a payment with Prestige in May 2017. It is now June 6/6/17 and I have yet to receive a call on my vehicle or my personal belongings in the car. Prestige is known for selling customers vehicles and not applying the amount they auctioned the vehicle off for to their balance. It's illegal at this point to keep my personal belongings along with the car tag issued in my name. I will file a police report for my belongings and also seek legal action as Prestige had no authority to repossesse my vehicle. I must remind them I was NEVER LATE on my account until they messed my account up in December. This company is a predatory lender and the reviews on the consumer affairs website will prove many individuals are planning a class action lawsuit against this company. I offered to pay them any balance owed for the miss communication of a returned payment I was unaware of in May, but they refused to return the car in my possession. Sincerely, [redacted] ***

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***’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***’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 found that the balance is correctI personally reached out to Ms [redacted] and was able to have a conversation with her regarding the balanceI explained that simple interest accrues daily based on the annual percentage rateWe also discussed how payments are appliedWe reviewed her contract which outlines the interest rate as well as late fees for delinquent paymentsI believe I have addressed and resolved the customers’ concernsIf Ms [redacted] as 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

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 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 [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 has been made on or before the specified due dateMs [redacted] ’ 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 [redacted] 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 [redacted] ’ 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 [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 consumer complaint, We have reached out to the consumer and stated that it will take approximately days to receive a refund checkInformed consumer that if he does not receive the refund by May 3rd, than to reach out to me [redacted] the Compliance Specialist and provided direct phone number

We assure Ms [redacted] that this message did not come from an unrelated third party Prestige does not disclose or discuss debts with unrelated third parties

In response to this complaint, I reviewed the account history, notes, and phone callsI reached out to Ms [redacted] and was able to speak with her regarding her concernsBased on my review and my conversation with the customer I believe we have addressed and resolved her complaintMs [redacted] and I went over the importance of making on time payments and the possible default ramifications if the contractual obligation is not metI also confirmed the details of the repossession guidelines in the state of NJ per her requestIn consideration of the payment issue we have already contacted Ms [redacted] and rescheduled her December installment for 12/21/and assisted her with further arrangements until she is able to stabilize her financial situationWe value Ms [redacted] as a customer and want her to have a positive experienceIf she has any further 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 consumer complaint, Prestige Financial Services has reviewed Mrs [redacted] account, in our findings we show that Mrs [redacted] has had some late payments on her account causing most of her payments to go towards interestMrs [redacted] is in rolled in our Rate Reduction program and will start seeing a different in her interest she paysIf Mrs [redacted] is able to pay closer to her due date she would be able to see more go towards principalWe are happy to help in any way we can, if Mrs [redacted] would like to contact us and try to discuss options on her account she is welcome to contact her account manager for those optionsIf Mrs [redacted] has any other concerns or questions she is welcome to contact Kacee P [redacted] Compliance Specialist at ###-###-####We look forward to hearing from Mrs [redacted]

Complaint: [redacted] I am rejecting this response because: While Prestige did reach out to me there was no "talking" about this situation. The lady whom sent the response called and stated they were not going to change my credit reports, they were not going to change the charge off which they should since they agreed to a new payment plan, and they would not accept my settlement offer and that I would need to pay the $9600.00 in order to settle and that while my account may be charged off I will still receive reoccurring interest on the charged off account. They do not and did not listen to my concerns. She over talked me every chance she got and was not willing to try to rectify the situation in any way shape or form. It has been this way since day one. As far as the late payments I am sure I had more than enough as I was in over head with this purchase. Yes this is my fault not Prestige's. Even with that being said they are able to take advantage of people and that is unfair. I tried to explain to her that they should have put the account as a voluntary repossession and that I was making payments not a charge off. She told me no it was a charge off and that they were not going to change it and that they do not have the means either as it is against the law? I tried to explain my concern that they are not reporting that I am even making payments and have been for over two years. She stated they do not have to as it is a charged off account. As for the payment agreement it was made months prior to them even putting it on my credit as a repossession and on two of credit reports along with my husbands two years later. I tried to explain to her my income and her response is yeah we know and that is why we accepted the payments we are in the first place. Okay great... that should tell you I am doing my best to get rid of this account and fully be done with it. They are taking my money and have been for the last two plus years and yet they do not have to report? They can report as a charge off and add interest but not that I am making payments to them? I have been lied to from day one from this company but regardless how many times I have pointed it out nothing ever changes. I was not 160 days past due on this account when I voluntarily sent it back. I even had to call them on several occasions to make sure someone was coming to pick it up. We were contacted right after filing bankruptcy to purchase a vehicle and Prestige was 100% financing us. Our bankruptcy was not even completed with the courts at this time as it was not discharged through the courts til February 18th of 2013. They pray on those who do not have good credit or are in the middle of filing bankruptcy. I think this is very sad. I have been paying for this mistake for over three years with no one willing to budge an inch on their side. How much more can they take from me and be allowed to do it? I am not sure where to go from here but this is beyond frustrating. I truly hope that someone will listen and at some point start doing what is right by us the consumers. Sincerely, [redacted] ***

Complaint: [redacted] I am rejecting this response because: I apologize I missed your email on 2/Prestiage sent me the title of the car with no statement at all, nothing advising how much I overpaid, and now I can’t get anyone to call or email me backMy title was in an envelope with a blank piece of paper I can no longer log into my account, nor can I obtain account details with my account number through Prestiage automated systemThe overpayment I'm sure is no more than a couple hundred dollarsAt this point it is the principle of the matterNO business should be able to refuse to give you a payoff amount, then deny access to your account, and refuse to call or email a person back with their account informationThis should be illegal I've overpaid as result of prestige not being willing to give me my pay off amountThey will not address this matter on the Revdex.com complaint, and they are denying access to my account Sincerely, [redacted]

In response to consumer complaint, we have placed a block on the account to avoid contacting customer until their account is days past dueWe do encourage customer to contact our customer service department at ###-###-####, to learn more about our Rate Reduction ProgramIf consumer has any further questions in regards to her account she is welcome to contact the Compliance Specialist at ###-###-#### or [redacted] @gopfs.com