Prestige Financial Services

In response to consumer complaint, Prestige Financial is not able to refund the consumer fundsThe payment was not cleared from her Bank and Prestige never received a full payment in SeptemberWe 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 payoffIf 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***

In response to this complaint, I have reviewed the account, payment history, phone calls, and insurance claim documentsHaving 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 out of the payments agreed to on this account prior to the total loss of the vehicleOut of the payments made only 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 contractThe customer also made partial payments during this timeThe total balance, including all of the fees were included in the initial payoff quote provided to the consumer’s insuranceThey may not have been paid by the insurance company due to the $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 worthIt 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 paymentsWhile 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 directlyKathryn D [redacted] , Compliance Specialist for Prestige Financial – 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, Melanie S***

Complaint: [redacted] I am rejecting this response because: I was contacted by Kacee P [redacted] who seems to not have all the correct information pertaining to this matter so I am still being refused my refundI have faxed Prestige the documents proving my allegationsAlso I would like the recorded conversations between me and Prestige Financial's employees from October 2nd thru October 9th to verify all the different comments I have received from their employeesThe fact is the pay off amount I was given on September 29th is good for days so why am I being refused the extra amount that they will receive for the pay off of the vehicle? I was told that I will not received my money back because I made an agreement to make that payment on September 30th but I explained to them that when j made that agreement on September 21st that I was not aware at that time that I would trade in the car on September 29th but these empkoyees remain non-chalant with me about this issueI only want what is due to me and that is the full payment for September Sincerely, [redacted] ***

We received the complaint and reviewed the accountThe [redacted] have been long term customers with our office and are nearing the end of their contractDuring most of the life of the account there was one account managerUnfortunately, he is no longer with our office so a new account manager was assigned to the accountThe new account manager did notice that the account had late fees and non-sufficient fund feesMost of these fees were incurred early on in the life of the contract due to late and returned paymentsHowever, as the [redacted] are close to paying off the loan and have been good customers we have waived the feesI have called and spoken with Ms [redacted] and let her know of the resolutionIf they have any additional question they can contact Grady M***, Compliance Officer, 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]

In response to consumer complaint, Prestige was able to reach out to Mr [redacted] and come to agreementMr [redacted] was able to speak with one of our Vice Presidents Todd S [redacted] Mr [redacted] was satisfied with there conversationIf Mr [redacted] has any issues in the future he is welcome to contact our officeWe do look forward to working with Mr [redacted] in the future

Complaint: [redacted] I am rejecting this response because: I have responded to three different people and they seem to want me to call them I would rather email them so I have it all in writingAll I wanted then to do is change my payment date and now I am told that there a blackout no payments between the 21st to the 4th I never heard of this nor was I told this when I got this loan I really don't think I am asking for much just for them to work with me Sincerely, [redacted]

Complaint: [redacted] I am rejecting this response because: Through emails and phone calls with American family it is not to just this month Jan that they were able to reach anyone from PrastigeI am constantly getting calls about making payments on a car I do not have I have all the text emails and phone calls recorded and saved this should have been taken care of months agoI’ve never known any company that took this long to settleI guess next time I’ll just get an attorney to take care of all of this for me Sincerely, [redacted]

Complaint: [redacted] I am rejecting this response because: I have a message that was able to be forwarded to my phone from a neighbor that I had never even spoken with prior to them being contacted by prestigeI called prestige and basically begged them to stop calling neighbors because of the dangers it imposed on mine and my children's safety which was blatantly disregarded because even after I was approached in the store and while walking my children to school by two additional person's that had also been contacted by prestigeThank you for your time and please have a wonderful evening Sincerely, [redacted]

In response to consumer complaint, Prestige Financial was able to reach out to consumer and verify account information We have received no communication in return from consumer since November 3rd, Prestige Financial is still willing to assist Mrs [redacted] with any further issues she may have Mrs [redacted] is welcome to contact Shaun, the Assistant Vice President over her account We look forward to assisting in anyway that we can in the future

In response to Melanie S***'s complaint, Prestige Financial has place a Cease and Desist on her accountMrsS [redacted] will no long receive phone calls, Text messages or Emails from PrestigeMrsS [redacted] is welcome to contact Kacee P [redacted] Compliance Specialist [redacted] if she has any further questions or concernsWe look forward to working with Melanie S [redacted] in the Future

Complaint: [redacted] I am rejecting this response because:Everything that Prestige Financial is stating is inaccurateSince this email they have closed my account and sent my information to a collection agencyI will continue to make my monthly payments to Prestige each month and I will not make any agreements at all with the collection company when they decide to call meWhen the collection agency calls me I will inform them that if they want their check (s), then they need to contact Prestige and get it from them!! I have never broken my contract on my own with prestigeWhen my payments were lowered by Jaysen I made sure to keep my end of the dealTheir dates are wrong and their actions towards me are wrongIf there is no such conversation between myself and Jaysen then it is because it was deleted by themIf what they are saying is true, about me agreeing to a three month back end, then where is the recording of that information? I am the victim, not prestigeI am the one who has been honest and upfront the entire way, not prestigeI am the one who has been lied too, bullied into a new plan, not prestigeThey think that just because they are a big company, that they can never make a mistakeThat the only ones who make mistakes are consumersLike I stated before, I can understand if I had missed payments, or if I had been late on my payments but none of that is truePrestige will only produce what they want you to see, they wont produce what really happened between Jaysen and myself because they know that THEY ARE IN THE WRONG 100%!!! So what better way than to pick on the little guy and destroy his credit with lies, what better way to pick on the little guy by waiting a whole year before letting him know that he is behind on his paymentsWhat better way to pick on the little guy by secretly adding late fees everydayWhy cant they just be honest?? You threaten to take my car years ago and yet it is still hereI asked you to take it in Jan of and you said noWhat better way to tell me that I am a year behind on my payments, but then send me an email a year later telling me that I am days pay due and with a balance of less than dollarsI have my proof, and I have proven it with just one email that they sent back in April of Yet they have not produced anything that states I am lyingI could go on and on See the customer is NOT always wrong like Prestige thinksGo to pissedconsumer.com go to consumeraffairs.com go to ripoffreport.com and tell me if all of those customers are wrong!!!??!!??! Sincerely, [redacted]

Complaint: [redacted] I am rejecting this response because: My credit report has now been updatedHOWEVER, because you reported my payments late for those months by accident, it has dropped my credit score significantlyJust because you have updated to show that my payments were not late, even thought you FIRST reported them to be, my credit score can not be adjusted to where I was before.Therefore, I am requesting some type of compensation for your mistake Sincerely, [redacted]

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 consumer complaint, Prestige has been able to conduct an investigation into the consumers concerns about her contract and date of last payment The consumer signed a month contact and the estimated date of last payment is May 4th, This is not a quarantine to be the last payment, there are certain circumstances that can push this payment out further, for example if the account were to received an extension than that month would be added to the end of the loan We do apologize if there has been any miscommunication regarding the contract We do hope this helps the consumer understand how the contract was signed and agreed to If she receives a response to this complaint she is welcome to contact the Compliance Specialist at ###-###-#### or [redacted] with any questions or concerns regarding her account

In response to this complaint, I reviewed the account history and notes. I also reviewed the account with our Assistant Vice President of Collections, and our Compliance Specialist who also looked into Ms. ***’s concern. Having reviewed the matter, I believe we can resolve Ms. ***’s concerns. In order to do this I need to speak with her. It appears she requested no additional phone calls from Prestige so if Ms. [redacted] receives this response, I would encourage her to reach out to me directly. I believe some of Ms. ***’s confusion with respect to her account balance, is the result of payments that were made and then subsequently reversed. For example, in December 2016 Ms. [redacted] agreed to make a payment of $145.00. Because of an error made by one of our representatives the payment was processed for $245.00. This mistake was the result of human error and not the result of a larger systemic issue. After communicating with Ms. ***’s bank, Prestige returned the entire $245 and waived $156 in fees on her account. Additionally, on April 17, 2017, Ms. [redacted] went online and scheduled a payment. Then on May 17, 2017 Prestige returned this payment to her bank because Ms. [redacted] disputed the payment. Based on these payments being made and then returned, and the timing of when Ms. [redacted] spoke with her Account Manager, this may have caused some confusion with respect to her account balance. We value Ms. [redacted] as a customer and want her to have a positive experience. As previously mentioned, I would appreciate the opportunity to speak with Ms. [redacted] and see if we can resolve her concerns – Tyler B [redacted] , Chief Compliance Officer for Prestige, 801-844-2605 or tb [redacted] @gopfs.com.

In response to this complaint, I reviewed the account history, notes, and phone calls. Having investigated the matter, I believe we followed all applicable laws, and am unable to corroborate Ms. [redacted] ’s claims. However, in consideration of her concern I have placed a cease and desist... placed on her account. I am sorry to hear that Ms. [redacted] ’s home was vandalized, and we sympathize with how difficult that situation must be for her. I invite Ms. [redacted] to reach out to me directly if she has any questions or concerns regarding this resolution. – Kathryn D [redacted] Compliance Specialist for Prestige, 801-844-2577 or [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 meI do have proof of the phone call that their employee placed as well as proof that I have been in contact with themI am attaching screenshots because the company likes to harass via text! I do not have to Ignore themI've been paying for years Sincerely, [redacted]

Prestige has attempted to contact Mr [redacted] Multiple times with no answer Mr [redacted] was indeed 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 ###-###-####