PRESTIGE FINANCIAL SERVICES INC CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
02/29/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AZ 85339	Web	Servicemember
On XX/XX/XXXX, I spoke with XXXX XXXX via email in regards to the XXXX XXXX XXXX. I stated in the email that it was my intention to return the vehicle into their possession. I advised where the vehicle could be picked up. I also advised that I wanted a final accounting of the sale of the vehicle and what address to send it to. On XX/XX/XXXX I emailed XXXX XXXX about getting my personal belongings out of the XXXX XXXX XXXX as Prestige Financial had stated to me that they were going to retrieve the vehicle. I also spoke with XXXX XXXX from Prestige Financial Services on the XXXX of XXXX via email and he stated that the total I owed was {$15000.00} which was increasing daily in interest and fees. He stated he was quoted from the dealership was over {$8300.00} which is incorrect. He stated I would end up owing over {$20000.00} dollars. On XX/XX/XXXX I also sent another email stating that as of XX/XX/XXXX, Prestige Financial Services was given a voluntary surrender notice and their office was informed where to pick up the vehicle. I surrendered the vehicle to them on XX/XX/XXXX. On XX/XX/XXXX I mailed a certified letter to Prestige Financial to the address located on my XXXX Credit Report. The letter stated that I was disputing the amount on my credit report. I requested an original written signed installment contract, the payoff amount required to take possession of the vehicle and final accounting including method of sale. The mail went to Prestige Financial Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX. The mail came back undeliverable. I was unable to get the information that I needed to validate the amount the company was stating I owed. I received a letter from Prestige Financial Services mail dated XX/XX/XXXX. The letter contained a breakdown of the charged but the letter was dated XX/XX/XXXX. The final numbers that showed what was owed was {$15000.00} which is totally different than the prior emails and the amount of {$17000.00} that is showing on my credit report. I also received an email on XX/XX/XXXX stating that the vehicle sold for {$4900.00} but in the breakdown, it showed the vehicle sold for {$5400.00}. Since XXXX, Prestige Financial has reported to all three credit bureaus that the account was late for payment each month. In XXXX of XXXX it was reported that the account was closed and written off. After further investigation, it was discovered that Prestige Financial Services are reporting different addresses to the credit bureau. XXXX and XXXX are showing XXXX XXXX XXXX XXXX XXXX UT XXXX while XXXX is showing XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX. The mail that came with the breakdown is showing XXXX. XXXX XXXX XXXX XXXX XXXX UT XXXX. This makes it difficult to dispute the charges with the company as I dont know what address to send the dispute to. On XX/XX/XXXX, I receive an letter in the mail from a lawyer wanting to take my case as I was being sued from Prestige Financial Services. I went to the XXXX Civil Court docket website and looked up my name. Prestige Financial Services filed case XXXX on XX/XX/XXXX at the XXXX XXXX Justice Court for {$8600.00}. I also discovered from the Attorney General website that in order to keep it at the civil level, the amount has to be less than {$10000.00}. The company reduced the amount to keep it at the civil level. I had no knowledge of the case being filed and have received any collection letters from them. The amounts that they are reporting are different. They are suing me for {$8600.00} and asking for interest on the loan in which they have kept charging interest fees from XX/XX/XXXX, fees for a total sum of {$16000.00} which they are trying to get the courts to award above and beyond the maximum limit. They are reporting {$16000.00} written off and {$17000.00} past due. I have yet to receive the original copy of the contract, proof of sale, misappropriated funds of gap insurance. As of XX/XX/XXXX, the account was listed in a Chapter XXXX bankruptcy. The account was opened, XXXX XXXX and is being shown that it was closed in XXXX of XXXX.The vehicle was not listed in the Chapter XXXX bankruptcy as the vehicle was purchased after. I also did some research and have found that they have done this to other consumers. They have reported information to the credit bureaus incorrectly and have also had law suits against them for unfair practices. I have included copies of email communication ; my credit bureau reports to show the inaccurate information of the address for Prestige Financial and the credit alerts that I get from them stating that I have been late with payments. This has affected my credit score with Prestige Financial reporting incorrect information. I have also disputed this with XXXX, XXXX and XXXX about the incorrect information regarding my credit report. To this date, the information is still being reported incorrectly. On XX/XX/XXXX, I got an email alert that my information has changed on my credit report from Prestige Financial Services. I discovered that the company reported the account as closed as of XX/XX/XXXX on XXXX and XX/XX/XXXX on XXXX which is not true. The company has had the vehicle since XX/XX/XXXX. They reported XXXX as a bankruptcy and is now showing that the account is charged off and on XXXX is showing that the account is charged off. The amounts are being reported as {$17000.00} XXXX and {$17000.00} on XXXX with being paid in full. I have disputed this account multiple times and the credit bureaus are letting them report inaccurate information on my report. Prestige Financial services is providing incorrect information while suing me in court. I filed a report with the Arizona State Attorney General Office and they forward the complaint to the Arizona State of Financial Institutions. I have also obtained XXXX XXXX XXXX for a Chapter XXXX bankruptcy and they have received notice that I have obtained them but yet they still report inaccurate information and is still suing me.
11/03/2021	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TN 37013	Web
1. PRESTIGE FINANCIAL SVC Account XXXX**** Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I immediately disputed this information with PRESTIGE FINANCIAL SVC and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX BCC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
09/30/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	OH 43026	Web
Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( XXXX ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. PRESTIGE FINANCIAL SVC bal. {$12000.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
11/08/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	TX 76039	Web	Servicemember
THIS COMPLAINT IS IN REGARD TO A CREDIT INQUIRY EXISTING ON MY XXXX CREDIT REPORT PASSED THE LEGAL REPORTING STATUTE OF TWO YEARS. THIS COMPLAINT IS AGAINST THE CREDITOR PRESTIGE FINANCIAL S THAT IS FURNISHING THIS OUTDATED INFORMATION TO XXXX. THIS COMPLAINT IS NOT AGAINST XXXX AT THIS TIME. This is a complaint arising under Sections 5 ( a ), 5 ( m ), 13 ( b ), and 16 ( a ) of the Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ), 45 ( m ) ( 1 ) ( A ), 53 ( b ), and 56 ( a ) ; the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681-1681x ; and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692-1692p, to obtain monetary civil penalties, a permanent injunction, restitution, disgorgement, and other equitable relief for the Defendants violations of the FCRA, the FDCPA, and Section 5 of the FTC Act. XXXX provides consumer personal credit reports to regional and national credit grantors, attempting to issue both commercial and consumer credit. XXXX regularly furnishes consumer credit reports to Creditors electronically. XXXX is an entity who regularly and in the ordinary course of business furnishes information to one or more Creditors about its transactions or experiences with its consumers. XXXX routinely receives complaints from consumers who claim they do not owe the debt or that an account is invalid or incorrect. In numerous instances, I have notified XXXX at the address specified for such disputes that XXXX is reporting inaccurate information concerning my consumer credit. As a victim of identity theft and the XXXX Data Breach I expect the information in my consumer report to be accurate and my disputes taken seriously. XXXX has continued to report inaccurate information to the Creditors even after receiving such notice and accompanying proof. In numerous instances, I have disputed the information appearing on my consumer credit report in writing to XXXX. XXXX receives most notices of disputes from a consumer in electronic format, through automated consumer dispute verification ( ACDV ) forms provided on XXXX website. Pursuant to Section 623 ( b ) ( 1 ) of the FCRA, XXXX, as a furnisher of information to the Creditors, is required to conduct an investigation of the disputed information upon receipt of a notice of dispute from a Consumer. For certain types of disputes, such as those where the consumer claims the account is not his or hers or belongs to someone with a similar name, it is XXXX s policy and practice only to compare the name, social security number, date of birth, and address in XXXX s computer database with the information provided on ACDV forms. Where three of the four items match, XXXX will report to the Consumer that it has verified the information it furnished as accurate. It is XXXX s policy that only after the consumer has alleged the same type of account inaccuracy more than four times will the matter become assigned to a supervisor to do further investigation. Because XXXX collects accounts that are often old, information in its computer files may not be accurate for a variety of reasons, including incorrect updating of addresses, errors in recording names and information, and problems with the original Creditors records. In disputes involving identity theft or fraud allegations, XXXX s policies provide that if the existing account codes and notes in its records do not contain any reference to a prior claim of fraud, XXXX will verify the previously reported information without conducting any investigation prior to such verification. In numerous instances, despite written or oral notification from consumers disputing the accuracy or completeness of alleged debts, XXXX continued to furnish the information to the Creditors without communicating that the information was disputed by the consumer. Section 623 ( a ) of the FCRA describes the duties of furnishers to provide accurate information to Creditors. Section 623 ( a ) ( 1 ) ( B ) prohibits furnishers from providing information relating to a consumer to any Creditor if i. the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ii. the information is, in fact, inaccurate. In numerous instances, I have contacted XXXX at the address specified by XXXX to dispute information furnished by XXXX to a Creditor and to notify XXXX that the information is inaccurate. In numerous instances, I have also provided information such as the consumers drivers license, social security number, and/or proof of residence to confirm my identity. The acts and practices alleged above constitute violations of Section 623 ( a ) ( 1 ) ( B ) of the FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). Pursuant to Section 621 ( a ) ( 1 ) of the FCRA, 15 U.S.C. 1681s ( a ) ( 1 ), the acts and practices alleged above also constitute unfair or deceptive acts or practices in violation of Section 5 ( a ) of the FTC Act, 15 U.S.C. 45 ( a ). PRESTIGE FINANCIAL S is also a furnisher of inaccurate credit information and is just as liable as XXXX. A recorded statement from XXXX states that PRESTIGE FINANCIAL S is the one responsible for removing this information from my credit report. As it currently stands XXXX nor PRESTIGE FINANCIAL S has not validated or verified the accuracy of this inquiry. They also failed to remove the inquiry from my credit report after the two year statute of limitation. The following outdated inquiries are being furnished by PRESTIGE FINANCIAL S and are being reported by XXXX. Inquiry Entry Date Legal Removal Date Inquiry listed as XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX As of XX/XX/XXXX these inquires are still being reported.
07/14/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	MD 20906	Web
I am filing a complaint against Prestige Financial for what I believe is unfair business practices, and lack of communication. On XX/XX/XXXX I was a victim of the viral XXXX challenge, and due to the nationwide issue, XXXX was not able to get the parts in stock and repair my vehicle until the first week of XX/XX/XXXX. I have been in contact with Prestige Financial about this, and the financial hardship this has caused due to my out of pocket expenses for weekly rentals/XXXX 's to continue working. Because I could not make a payment in XXXX, I was notified that my account would be moving to loss mitigation. On XX/XX/XXXX, I called to speak with XXXX who was now managing my account with loss mitigation to explain the situation with XXXX, and the status of my reimbursement from them to see what could be done. XXXX informed me that she would be speaking with her supervisor about the situation, and giving me a callback by the end of the day, to let me know what they could do. I then asked if I should forward over the email to them, from XXXX, stating my reimbursement claim was being worked on ; which XXXX responded " yes '', so they would have proof of this. I did not receive a callback that day, but XXXX did follow up with me the following day to let me know she was unable to speak with her supervisor the day prior, but when they came in today she would speak with them and give me a callback. I never heard back from XXXX, and on XX/XX/XXXX I called back and left a message requesting a follow up. I still never received a callback, but on XX/XX/XXXX I received communication from Prestige letting me know that my account was passed due, and I would need to submit a payment to stop repossession of the vehicle. I informed them that I had spoken with XXXX, but never received a response and once again attempted to forward the email from XXXX showing my reimbursement was being reviewed. Prestige Financial responded that they were under the impression that I picked up the vehicle, which I confirmed I did not/could not at the moment because I needed almost {$900.00} to do so, and I did not currently have the funds. They also stated that while they are aware of my reimbursement, " payment needs to be made to stop the repossession and the account moving to recovery by the end of the month ''. I responded letting them know that I am reaching back out to XXXX to get the status of my reimbursement claim, and that I was hoping I would have my funds by the end of the month to pay the full balance, but if not I understand the vehicle must be turned over for repossession. Prestige Financial let me know they were reaching back out to the XXXX dealership repairing my vehicle to clarify what was happening, and then responded that they had cleared up the confusion with my vehicle still being there. The service center repairing my vehicle was aware that I was working to gather the amount needed to pick up my vehicle, and the service manager told me to follow up with him by Friday. Today is Friday, and I called the service center as instructed to let them know I had gathered the funds, and could come today to pick up the vehicle. This is when they proceeded to inform me that Prestige financial had already came and picked up the car on Tuesday, XX/XX/XXXX. At no point when communicating with Prestige Financial on XX/XX/XXXX, did they let me know they were repossessing the car at this time. When I called to speak with XXXXXXXX XXXX supervisor XXXX, she was very nasty. She constantly cut me off, and spoke very condescendingly. She stated that I had to make a " 60 day passed due payment to hold off the repossession '' ; and at first she insisted that I was notified of this on Tuesday, but then later had to correct herself after we went through the messages together, to prove I was not. She then states that payment needed to be made immediately to stop the repossession ( even though this was not clearly communicated ) ; and that the statement " payment needs to be made to stop the repossession and the account moving to recovery by the end of the month '', is saying two separate things. The first being I needed to make a payment immediately ( even though nothing clarifies what this payment needed to be, even she admitted I was not notified that a 60 day payment would stop the repossession ). The second being that to keep my account with loss mitigation, and not sent to the account recovery department, I needed to make a payment by the end of the month. I tried to explain that this was not clear at all to someone who has never been in this situation, or know anything about how this process works. I also explained that I was under the impression that they were going to try and work with me, and there has been a lack of communication from their department. Again, she was very rude and unhelpful. I do have the written communications, but when asked if the calls for their department were recorded ( in reference to the two calls I had with XXXX XXXX, she informed me that she did not know, and that it was based on the state I was calling from. I asked if I could speak with the department that would know, and she stated I could not because they do not communicate with customer 's unless that information is requested through legal channels.
11/07/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 76039	Web	Servicemember
This is a complaint arising under Sections 5 ( a ), 5 ( m ), 13 ( b ), and 16 ( a ) of the Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ), 45 ( m ) ( 1 ) ( A ), 53 ( b ), and 56 ( a ) ; the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681-1681x ; and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692-1692p, to obtain monetary civil penalties, a permanent injunction, restitution, disgorgement, and other equitable relief for the Defendants violations of the FCRA, the FDCPA, and Section 5 of the FTC Act. XXXX provides consumer personal credit reports to regional and national credit grantors, attempting to issue both commercial and consumer credit. XXXX regularly furnishes consumer credit reports to Creditors electronically. XXXX is an entity who regularly and in the ordinary course of business furnishes information to one or more Creditors about its transactions or experiences with its consumers. XXXX routinely receives complaints from consumers who claim they do not owe the debt. In numerous instances, I have notified XXXX at the address specified for such disputes that XXXX is reporting inaccurate information concerning my consumer credit. As a victim of identity theft and the XXXX Data Breach I expect the information in my consumer report to be accurate and my disputes taken seriously. XXXX has continued to report inaccurate information to the Creditors even after receiving such notice and accompanying proof. In numerous instances, I have disputed the information appearing on my consumer credit report in writing to XXXX reporting the information. XXXX receives most notices of disputes from a consumer in electronic format, through automated consumer dispute verification ( ACDV ) forms provided on DEFENDANTS website. Pursuant to Section 623 ( b ) ( 1 ) of the FCRA, XXXX, as a furnisher of information to the Creditors, is required to conduct an investigation of the disputed information upon receipt of a notice of dispute from a Consumer. For certain types of disputes, such as those where the consumer claims the account is not his or hers or belongs to someone with a similar name, it is XXXX s policy and practice only to compare the name, social security number, date of birth, and address in XXXX XXXX computer database with the information provided on ACDV forms. Where three of the four items match, XXXX will report to the Consumer that it has verified the information it furnished as accurate. It is XXXX XXXX policy that only after the consumer has alleged the same type of account inaccuracy more than four times will the matter become assigned to a supervisor to do further investigation. Because XXXX collects accounts that are often old, information in its computer files may not be accurate for a variety of reasons, including incorrect updating of addresses, errors in recording names and information, and problems with the original Creditors records. In disputes involving identity theft or fraud allegations, XXXX XXXX policies provide that if the existing account codes and notes in its records do not contain any reference to a prior claim of fraud, XXXX will verify the previously reported information without conducting any investigation prior to such verification. In numerous instances, despite written or oral notification from consumers disputing the accuracy or completeness of alleged debts, Defendant XXXX continued to furnish the information to the Creditors without communicating that the information was disputed by the consumer. Section 623 ( a ) of the FCRA describes the duties of furnishers to provide accurate information to Creditors. Section 623 ( a ) ( 1 ) ( B ) prohibits furnishers from providing information relating to a consumer to any Creditor if i. the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ii. the information is, in fact, inaccurate. In numerous instances, I have contacted Defendant XXXX at the address specified by XXXX to dispute information about them furnished by XXXX to a Creditor and to notify XXXX that the information is inaccurate. In numerous instances, I have also provided information such as the consumers drivers license, social security number, and/or proof of residence to confirm my identity. The acts and practices alleged above constitute violations of Section 623 ( a ) ( 1 ) ( B ) of the FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). Pursuant to Section 621 ( a ) ( 1 ) of the FCRA, 15 U.S.C. 1681s ( a ) ( 1 ), the acts and practices alleged above also constitute unfair or deceptive acts or practices in violation of Section 5 ( a ) of the FTC Act, 15 U.S.C. 45 ( a ). This creditor is also a furnisher of inaccurate credit information and is just as liable as XXXX. A recorded statement from XXXX states that this creditor is the one responsible for removing this information from my credit report. As it currently stands they have not validated or verified the accuracy of this inquiry. They also failed to remove the inquire from my credit report after the two year statute of limitation.
01/18/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	DC 20002	Web
I currently have an auto loan with Prestige Finance. On XX/XX/2019 a person by the name of XXXX XXXX contacted one and stated the following. On XX/XX/2019, at XXXX XXXX, XXXX XXXX wrote : XXXX, This is XXXX Assistant VP of Collections w/ Prestige. I am giving you an opportunity to reply back with a payment plan for XXXX and XXXX or go online www.myprestige.com to secure your payment before we proceed with further action ( XXXX ) XXXX yes XXXX XXXX XXXX, Collections Prestige Financial Services , Inc. A XXXX XXXX XXXX Company [ T ] XXXX [ F ] XXXX MyPrestige.com I responded back with the following response From : XXXX Sent : Monday, XX/XX/2019 XXXX XXXX To : XXXX XXXX Subject : Re : Payment Plan XXXX I believe someone already contacted me and I already made the agreed payment amount of XXXX by XX/XX/XXXX. The next agreed payment is for XXXX for XXXX and then that XXXX and XXXX would be closed out. There was a chain of responses back and forth. -- -- Original Message -- -- - From : XXXX XXXX To : XXXX Sent : Tue, XX/XX/2019 XXXX XXXX Subject : RE : Payment Plan XXXX I dont see where you agreed to it. So do you want to take advantage of the reduce payments? Do you agree to the disclosure? From : XXXX Sent : Monday, XX/XX/2019 XXXX XXXX To : XXXX XXXX Subject : Re : Payment Plan XXXX I already did that agreement Sent from my XXXX OnXX/XX/2019, at XXXX XXXX, XXXX XXXX wrote : You will need to agree to the following to benefit from the reduced payments : By requesting this change your previous 3 payment ( s ) will be less than your contracted monthly payment and may extend the term of your contract. Do you agree? On XX/XX/2019 another exchange of emails occured, which are as follows. Yes I agree -- -- -Original Message -- -- - From : XXXX XXXX To : XXXX Sent : Tue, XX/XX/2019 XXXX XXXX Subject : RE : Payment Plan XXXX There's nothing showing where you agreed -- -- -Original Message -- -- - From : XXXX Sent : Tuesday, XX/XX/2019 XXXX XXXX To : XXXX XXXX Subject : Re : Payment Plan XXXX -- -- -Original Message -- -- - From : XXXX XXXX To : XXXX Sent : Tue, XX/XX/2019 XXXX XXXX Subject : RE : Payment Plan XXXX I dont see where you agreed to it. So do you want to take advantage of the reduce payments? Do you agree to the disclosure? From : XXXX Sent : Monday, XX/XX/2019 XXXX XXXX To : XXXX XXXX Subject : Re : Payment Plan XXXX I already did that agreement Sent from my XXXX On XX/XX/2019, at XXXX XXXX, XXXX XXXX wrote : You will need to agree to the following to benefit from the reduced payments : By requesting this change your previous 3 payment ( s ) will be less than your contracted monthly payment and may extend the term of your contract. Do you agree? On XX/XX/2019 there was another exchange of emails and the person told me that because I did not agree earlier to the following terms that I would owe another XXXX, however as you can see in prior emails he never mentioned anything about because I never used the word agree to extend my loan by 3 months that I would owe an additional XXXX. He did not communicate that until yesterday. XXXX XXXX ( XXXX ) To : you + 1 more Details Thank you for doing that. There is a small issue. Since one of the disclosures was not agreed to in XXXX the payment will be {$70.00} short. Is there anyway you can get another {$70.00} paid today? -- -- -Original Message -- -- - From : XXXX Sent : Thursday, XX/XX/2019 XXXX XXXX To : XXXX XXXX Subject : Re : Payment Plan XXXX Good Afternoon, The XXXX has been paid as agreed on XX/XX/2019. TXXXX XXXX XXXX ( XXXX ) To : you ( Bcc ) + 2 more Details No you should have communicated that earlier. I have done my agreement which was XXXX and XXXX. XXXX XXXX ( XXXX ) To : you + 1 more Details Right thats understandable. That arrangement was sent to you on XX/XX/XXXX. We sent you the disclosures on XX/XX/XXXX. You never agreed to the disclosures to reduce the payment until XX/XX/XXXX where when we could only close out your previous 2 installments instead of 3. Thats why you are still {$70.00} short iamterese ( XXXX ) To : you ( Bcc ) + 1 more Details I stand by what I said. The agreement has been kept by me so it is not my issue that I am XXXX short XXXX XXXX ( XXXX ) To : you Details It is your issue because you never agreed to the disclosures so the payment you made on XX/XX/XXXX was already short. You accepted a reduced payment plan without agreeing to the disclosures, and ignored our attempts to secure your payments. You just went online and set them up on your own without accepting the terms for a reduced payment. We need {$70.00} to secure the file. Have a great day
06/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	PA 19151	Web
In accordance with the Fair Credit Reporting Act, Prestige Financial Services is violating my rights : 15 U.S.C 1681 section 602 A : States I have the right to privacy 15 U.S. Code 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S.C 1681 section 604 A Section 2 : It states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S. Code 1692c - Communication in connection with debt collection : ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S. Code 1692b - Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shallnot communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information ; not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; and 15 U.S. Code 1681i - Procedure in case of disputed accuracy Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. According to consumer law, 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. As defined by the IRS : Even if you didn't receive a Form 1099-C, The IRS Clearly defines a charge off as Gross or Ordinary income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! By Definition The IRS clearly says a cancelled or charge off is income. The reporting of this account as a debt is inaccurate. I am aware that under the Internal Revenue Code ( IRC ) Section 61 ( a ) ( 12 ), a canceled debt that exceeds {$600.00} is considered taxable income unless an exception applies. A charge-off is considered a canceled debt because the creditor has written off the debt as uncollectible. Therefore, a charge-off can be considered taxable income by the IRS. IRC section 6050P, The lender must file Form 1099-C and send a copy of the amount of debt canceled is {$600.00} or more and the lender is a financial institution, credit union , federal government agency , or other apolicable entity as discussed earlier in chapter 1. This is taken directly from the IRS 2021 publication. SEND ME MY FORM 1099-C that you should have sent when you filed the account as a canceled debt. Furthermore, I would like to point out that continuing to report a charged-off debt as delinquent or past due after the debt has been charged off is a violation of the Fair Credit Reporting Act ( FCRA ). The FCRA requires that any negative information on a consumer report must be accurate and up-to-date. Once a debt has been charged off, it is considered settled and a creditor that continues to report a charged-off debt as past due or delinquent is violating the FCRA and the debtor has the right to dispute the information with the credit reporting agencies. I have sent letters to Prestige Financial Services to XXXX XXXX XXXX XXXX UT XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, UTAH XXXX have not responded in any form of way and have never sent a 1099-C form back about this erroneous reporting.
10/25/2021	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	OR 97206	Web	Older American, Servicemember
Overview : Prestige Financial Services on a vehicle loan in XXXX of XXXX. Borrower fell behind on payments and vehicle was repossessed, XX/XX/XXXX. List of issues in complaint. 1 ) Prestige Financial Services agents performed a Breach of Peace repossession. 2 ) hired a non-licensed repossession agent to repossess the vehicle 3 ) hired a non-licensed forwarding company to repossess the vehicle 4 ) failed to provide an account of the vehicle loan prior to borrower missing payments on the loan, after requests by borrower, 5 ) failed to provide an accounting of the loan prior to default after repeated requests by borrower 6 ) changed the interest rate of the agreement 7 ) processed first payment prior to it being due per the agreement 8 ) made demands for borrow to make payments on a vehicle that was not the vehicle the borrower had the loan on 9 ) agreeing to payment arrangements, agreeing not to repossess the vehicle, then repossessing it 10 ) failing to provide the repossession agent company after repossession until required to do so by way of a Federal Lawsuit months after the vehicle was disposed of 11 ) failing to provide borrower with notice to retrieve his personal property from the vehicle 12 ) failing to provide borrow with the method and amount to pay to reclaim his vehicle 13 ) failure to provide borrow notice of the date, time, location of the sale or disposition of his vehicle 14 ) failure to provide the borrow the accounting of the sale or disposition of the borrows vehicle 15 ) making statement to an attorney in a Federal Civil Action making claim the borrow did not make any payments to Prestige Financial Services which the attorney used in negotiations with the borrower, which the attorney stated as fact 16 ) filing false credit reporting of the borrowers payments and account of the vehicle loan with credit bureaus. 17 ) reporting and filings with credit bureaus and other venues not crediting the amount of money obtained from the sale of the borrows vehicle 18 ) making a demand for payment of the fully balance of the loan without providing an accounting as required and as requested by the borrower. Other issues and violation as will be stated in the future as more information is obtained by the borrower. Prestige Financial Services the lender, hired XXXX, XXXX a non-licensed collection agency ( Michigan Supreme Court ruled they are a collection agency ) Oregon statue mirrors the Michigan Courts ruling. XXXX, XXXX is a d/b/a of XXXX, XXXX. For a period of time XXXX, XXXX was not an active dba. XXXX, XXXX could not act as a collection agency or hire a 3rd party to perform the repossession. Prestige Financial Services repossession agent was not licensed in Oregon to perform repossessions ( Oregon requires any party directly or indirectly involved in solicitating for or performing repossessions to be licensed as a collection agency ). Borrower has been reluctant to file a complaint until all information has been collected and because the founder of XXXX, XXXX stated Had we risen up as a country and voted out Obama, the CFPB would have been dismantled and costs might have normalized. Breach of Peace Repossession. At the height of the Covid-19 crisis repossession agents for the lender exploited the crisis by using a XXXX 's fast food drive-thru to trap and endanger everyone in and around the drive-thru by blocking the exit then backing ( reversing ) into the exit of the drive-thru in the wrong direction, slamming into the Borrower 's vehicle; raising and dropping the vehicle to terrorize the driver ( Borrower ) in an attempt to dislodge him from his vehicle, Then proceeding to drag the vehicle out of the drive-thru with the Borrower still in the drivers seat of the vehicle ; protesting the whole time. Endangering the borrower, families and bike riders and walk thru customers of the XXXX 's. All with a disregard for the safety of everyone in line and around the drive-thru. Violating criminal, and civil statutes and laws. The Borrower suffered serious injury in the incident. The borrow is a Veteran and is under the VA for health insurance and has no other insurance. The VA does not cover non-service related injuries. Medical and hospital costs are increasing daily. Prestige Financial Services has throughout stalled in providing information, failed to respond to any requests by the Borrower. Prestige Financial Services is responsible for the actions of all parties under them as is XXXX liable for the same. Prestige Financial Services is responsible for the injuries caused to the Borrower by their agents actions. All of these mater could have been resolved in an expedient manner.
10/08/2019	Yes	Vehicle loan or lease Loan	Getting a loan or lease Changes in terms mid-deal or after closing	UT 84414	Web
I traded in my car about a year ago. I test drove a few vehicles and the salesman asked if I can get you into that with a payment around {$300.00}, do we have a deal. I said yes, thats a big if. The dealership was unable to come even close to the monthly payment I was comfortable with. I requested to leave and stated I just wanted keep my car several times. The salesman and the finance manager double teamed me for an extremely high pressure sale. Over the course of about 3-4 hours, I finally agreed to a finance plan suggested by the finance manager. It was almost double what I wanted to pay monthly, but he proposed that instead of putting a down payment, that I put that money in a savings account instead. He explained each month, I could take {$XXXX} out of savings to put towards my monthly payment, that way I didnt feel like I was over extending my budget. He promised in one year, I could come back when my credit score was higher and they would get me refinanced. I didnt want any add on policies to the loan, but the finance manager wouldnt stop pushing the auto warranty. He kept doing calculations and asking what if it only increased your monthly payment by $ x? I finally agreed to one that was an increase of around $ XXXX/month ( I dont remember the exact amount ). I signed all the paperwork. The vehicle was delivered to me with an empty gas tank and low pressure in all four tires. It was very late and I had spent the entire day at the dealership within food, so I didnt notice until I left the lot. A couple days later, I went to add the vehicle to my auto insurance and was surprised that I couldnt find the name of a lender. In the mean time, I kept getting notifications of hard credit pulls from my credit monitoring account. I called to ask about the lender and was told they hadnt secured financing yet, which was very strange. A few days later, I was asked to come back to sign loan paperwork. At that time, I told them I dont want the extended auto warranty. When I arrived to sign papers, I asked if he received my message about deleting the extended warranty. He stated that actually a lot had changed and in order to get the financing, the lender was requiring gap insurance and an extended warranty. I was told that the interest rate was XXXX % higher and in order to make the deal work, they had to lower the sell price of the vehicle. I asked if I could have my car back and was told they didnt have it. I felt trapped, as now my only options were to sign the loan papers for this car or walk away with no car. I signed the documentation and I have been paying on the vehicle faithfully for a year. I have maintained it, including spending $ XXXX+ on recommenced maintenance when required. All maintenance has been done at the dealership. My credit score increased by XXXX points. Ive tried to refinance the vehicle and Im not able to because the loan amount exceeds the value of vehicle by too much. I cant trade in the vehicle either. I dont want the high payments any more and I dont want the vehicle. I never wanted it. I was pressured into buying it and I was pressured to agree to loan terms that I didnt originally agree to. I recently learned that its not legal to require a buyer to purchase additional insurance and warranties. I inquired about the legalities if this on a phone call with the lender. The rep stated its their right to protect their investment by requiring certain coverages. I asked him if they knew it was it was illegal to require it and he didnt have much to say. I reviewed my purchase contract and it explicitly states no additional coverages are required for the purchase. I wish I had known this at the time. Ive recently requested the dealership cancel both policies. The finance manager emailed me a cancellation form, which I completed and faxed to the number on the form. I emailed to ask for confirmation the fax had been received and processed. No answer, so I emailed again. The reply was that the fax went to a different office and that if I had turned in all the required documentation with the fax, the request would be processed. I immediately reviewed the previous emails and the cancellation form for instructions on additional documentation and there was none. I emailed again to ask what the required documentation was and I received no reply. Ive also made attempts to speak to the general manager about this issue and someone left me a voicemail on behalf of the XXXX. I returned his call a couple times and none of my voicemails have been returned.
02/26/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	CA XXXXX	Web
On XX/XX/XXXX, my car was involved in an accident and deemed totaled on XX/XX/XXXX. My auto insurance company is XXXX and the vehicle finance company is Prestige Financial. The GAP insurance company is XXXX XXXX XXXX. I don't feel that I am getting a fair and accurate accounting of my vehicle loan. To my dismay, I discovered that the owner of the car dealership is also the owner of the finance company, GAP company as well as the extended warranty company. Although these are " sister '' companies, I feel that it is a serious conflict of interest and that the consumer 's best interest is not a priority. Today, I was told by the GAP company that they are charging for " excessive '' mileage because my insurance company deducted for the mileage. The problem I have with this is that the car was purchased " used '' and already had XXXX miles on it. At the time of the accident, the car had an additional XXXX miles. I purchased the car in XX/XX/XXXX and only put XXXX miles on the car which is XXXX miles under the industries annual standard. XXXX had to deduct for mileage as they had to get an accurate estimate of what the car 's current value was, plus it was going to be their car. The GAP company, however, has no right to " charge '' me for mileage that was already placed on the vehicle. So I contacted the GAP company today and the agent stated that it was in the contract that I signed so I asked him to send it to me and highlight that specification. He complied and that is attached to this complaint. As you will read, the highlighted area is extremely vague and NEVER mentions mileage. Luckily for me, I kept an immaculate vehicle and didn't even have door dings as I rarely drove it. Pictures are available as well as sworn statements as to the condition of that vehicle, therefore, the rest of that paragraph which refers to damage does not apply. I should not be held responsible for a previous owner 's mileage, and besides GAP insurance is supposed to cover what the insurance company doesn't minus my deductible. The other issue I have is that I feel that numbers are being fudged when it comes to the payoff info and other fees. Today, I was sent a document showing that my payoff was in the amount of {$15000.00}, but that amount is inaccurate. As you will see inside of the attached documents, my insurance company called for a payoff the day that they informed that they would be preparing a check and that was on XX/XX/XXXX. The amount that they quoted to my insurance company was {$16000.00}. My issue with this is that on XX/XX/XXXX, I rented a vehicle and drove to the dealership where I purchased the vehicle in XXXX, CA, to cancel the extended warranty. I was told that I had to come in person and I did right away. Later that day, XXXX XXXX who processes the refunds for the dealership sent me an email with a copy of the check that would be going to Prestige Financial in the amount of {$1200.00} which was overnighted. This amount was supposed to be deducted from the amount owing of {$16000.00} which would have made the payoff for my insurance company {$14000.00}. This amount was not applied as you will see in my documents that they lost the check, so it was not applied. I didn't find this out until just last week! So I reached out to XXXX again and she stopped payment on the original check and reissued another overnight. It was issued on XX/XX/XXXX. The payoff check from my insurance company was received on XX/XX/XXXX and signed for by XXXX XXXX. I have asked for a copy of the breakdown from the finance company and still haven't received it. Instead, I receive a phone call today telling me that I still have a balance of {$1900.00} when I was told before that I would only owe {$1000.00}, which I was prepared to pay. However, once the GAP company told me that the extra was for mileage, I tried to work things out with them but they would not budge. I am asking for an investigation of their accounting in reference to my account as there are things that can not be accounted for. The mileage issue is one that I am prepared to take to court for their contract is extremely vague and non-specific. I also have my original contract at the time that I purchased vehicle just in case they try to add something that isn't there. This has been extremely frustrating and unneccessary. I most certainly hope that this can be resolved soon so that we can avoid court.
04/29/2017	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	VA 23455	Web
I have a vehicle financed w ith Prestige Financial . On X/XX/17 at XXXX XXXX I communicated to my customer service rep XXXX XXXX that I did not have any funds available in my account and I needed the transaction cancelled. I would pay the payment on X/XX/17 and will pay it online. He responded to an email on X/XX/17 XXXX that my payment was cancelled but he can not allow the payment pass the XXXX and offered me to pay {$380.00} and if not he will forward to management for further review. In an email o n X/XX/17 at XXXX XXXX XXXX XXXX sent an email stating that I needed to be aware that my account is now 23 days past due. The deadline for my payment was XXXX and if I do n't resolve the payment it will be escalate for a further review. He then asked if there was anything he can do to help resolve this issue. On X/XX/17 at XXXX I had a phone call from XXXX XXXX and he left a voicemail stating that he was looking for my payment and the deadline was XXXX XXXX and he needed it in before Sunday ( Sunday X/XX/17 ). Shortly after the voicemail there was a text message from him and it stated the same information left on my voicemail. I responded to the text message on XX/XX/XXXX that I 'm unable to talk at that time but reminded him of the email and I told him what I could pay and the date. There was a response text message sent to my cell phone on X/XX/17 " XXXX , this is a Subprime loan. We have been trying to work with you and help you. We skipped XXXX 's payment as well as allowed {$130.00} for XXXX 's payment. You signed a contract that you would make one payment a month. Since this has been difficult, can you truly afford the car? We ca n't keep allowing you to breach your contract. If you are unable to pay by your due date, you need to secure your payment. If you know when you are going to pay why are you avoiding doing so? This is only hurting yourself at this point. Tomorro w ( X/XX/17 ) i s the deadline at XXXX XXXX time {$390.00} will need to be paid by the. - XXXX '' I replied to XXXX on X/XX/17 and explained that her tone was threatening and that I did not have anything to pay and that I will have a payment and what day I can pay it. But they continue to call, text, and send me emails. There was a response email this morning XXXX at XXXX XXXX . " XXXX , We took a risk in funding you this loan, and you are refusing to follow our policies. How do you feel like that is fari? these policies are in place to help you not get upside down and hurt yourself financially. This is not a pay when you want loan. We keep offering you help. But it your choice to deny it. '' This text message did not end with a point of contact or who it was coming from. I feel that these collection practices are harassing, abrasive, confusing, and disrespectful. My monthly payments are XXXX and the contract tells me I need to pay a payment of that amount each month on my due date. They said that I continue to refuse to follow their companies policies. The installment agreement says nothing about providing them with bank account information if my payment is not made on the due date, I feel unsafe that the company is soliciting a check payment from me while the funds are not available in my account. I made my customer service aware of the amount and when I could pay and they continued to tell me the deadline was th e XXXX XXXX XXXX T hen when I informed him again that I had already told him what day and the amount I could pay someone else contacted me via text and told me the deadline was XXXX XXXX and now I 'm refusing to allow them to help me. This is confusing because they are telling me 2 different dates that are not my due date or within the Grace Period that was given, and now there are deadlines on a payment that is 25 days past due. This company needs to be held accountable for these collection tactics and for violating guidelines set in place to protect consumers.
03/15/2019	Yes	Debt collection Auto debt	Communication tactics Used obscene, profane, or other abusive language	VA 23608	Web
Good evening, I purchased my XXXX XXXX XXXX in XX/XX/XXXX from XXXX XXXX in XXXX XXXX, VA. Unfortunately, I was advised by the salesman that I would have 45 days to submit my first payment to Prestige Financial ; however, I received a call the following date indicating that they do not have grace periods and late fees and interest are charged per day as the payment was due now. At this time, I was given an option ( prior to even making the first payment on the vehicle ) to change my payment due date to the XXXX of each month if I'm not mistaken. Over the course of my contract, I have communicated with several agents who have either presented themselves as my account manager or collections specialist. XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. Beginning on XX/XX/XXXX, I was contacted via email from XXXX XXXX, who advised that he was my new account manager. For several months, Prestige would either email, text or call prior to the due date which ultimately highlighted their proactive efforts to collect their debt prior to the due date and as " courtesy reminders '' to their clients. However, once delinquent, that is when the level of unprofessional behavior is illuminated. I was later assigned to XXXX XXXX as my account manager. Initially, the communication was respectful and polite. Unfortunately, on several occasions, Ms. XXXX was rude, condescending and it was clear that Prestige Financial frequently uses bullying tactics in an effort to collect their debt once you are delinquent. This behavior continued on the telephone, via email and text message. Ultimately, I requested that Ms. XXXX no longer contact me via text, phone and instead, I requested that Prestige assign me a new account manager immediately and cease the text message form of communication. Prestige did eventually cease the texting ; however, the harassment continues to happen via telephone and email with various other account managers, today, it was XXXX XXXX. There was previous conversation with Mr. XXXX as to the car being seized due to late/no payment. I even inquired as to why does it not reflect a late payment on my credit report in which Mr. XXXX stated, " You signed the contract with Prestige not the credit bureaus. '' I continued to inquire that as the creditor, Prestige reports to the credit bureaus and therefore, is Prestige misreporting my payments. Again, Mr. XXXX explained that Prestige does not have control of what is reported to the credit bureaus. This is information, that is not only misleading but is deceitful. I have complained several times regarding, the unprofessional behavior on so many different levels and to no avail. Regarding, Ms. XXXX, she began contacting me as recent as of this year and again I requested that she not handle my case. In fact, On XX/XX/XXXX, I spoke with another account manager, XXXX XXXX who sang Ms. XXXX 's praises and minimized my complaints. He even went on to say that he is considered more brash and abrasive in his communication than Ms. XXXX. On the contrary, in XX/XX/XXXX, I was contacted by XXXX XXXX, Customer Relations Specialist who is indeed the most pleasant and professional agent I have worked with since the beginning of my contract. When asked if I could conduct business with Ms. XXXX and Ms. XXXX alone, I was advised that I could not as she is not able to handling collections cases being in the Customer Relations Department. In short, I am requesting that Prestige cease all threats to " move forward '', " escalate my account '' or make threats such as today, " I suggest you find a way to confirm it will clear or call and make a card payment by XXXX EST today, If not, you are fully aware of where this stands and we will proceed accordingly. '' The harassment and threatening verbiage needs to no longer continue. I have every right to be addressed respectfully, provided with clear and accurate information without being bullied, intimidated or threatened in any way.
11/26/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Problem with signing the paperwork	IL 622XX	Web
This is in response to the previous complaint. I will provide exactly what I wrote.November of XXXX I initiated a consumer transaction with XXXX to purchase a used XXXX XXXX XXXX. I was asked to put down XXXX at the time which I did. It wasnt until XXXX XXXX XXXXXXXX that I began looking off into consumer laws ( I had noticed alot of things while car shopping that I started to question ). I began to look over my retail installment contract ( not a loan as they lead me to believe ). I was asked for my social security number which I gave at the time. According to 15 U.S.Code 1602 ( l ) states The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. By the company using my social security card they already had what they needed. The car was financed through Prestige Financial. I should not have needed a down payment to be approved for the car. 15 U.S.Code 1605 ( a ) Finance charge defined Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. Examples of charges which are included in the finance charge include any of the following types of charges which are applicable : ( 1 ) Interest, time price differential, and any amount payable under a point, discount, or other system or additional charges. ( 2 ) Service or carrying charge. ( 3 ) Loan fee, finders fee, or similar charge. ( 4 ) Fee for an investigation or credit report. ( 5 ) Premium or other charge for any guarantee or insurance protecting the creditor against the obligors default or other credit loss. ( 6 ) Borrower-paid mortgage broker fees, including fees paid directly to the broker or the lender ( for delivery to the broker ) whether such fees are paid in cash or financed. This clearly states that the finance charge is the sum of ALL charges. And that no third party fees shall be included in a finance charge. I also notice that it says premium/insurance is included in the finance charge. None of this was disclosed to me. According to the T.I.L.A, Regulation Z, and 15 U.S. Code 1635 states that I also have the right to rescind, this was to be disclosed to me I was never told that I could rescind nor did I sign anything waiving this. I know that I signed an arbitration agreement. Since studying these things I have sent in form 56 to the IRS letting them know that I am a natural person. I have sent the dealership and finance company power of attorney letting them know I am capable of making my own decisions. I did send a notice of rescission to to the dealership but they told me they were not going to comply. I realized I did not put all parties on notice. I did send rescission notice to the dealership, dealership registered agent, finance company, and finance company registered agent. I am currently waiting to hear back from all parties. Note XXXX XXXX XXXX XXXX were there is no contract there is no case. With this being said and you all stating that you went over ALL the rules and regulations. I'm needing proof. This alleged contract was not signed between ALL parties. This here also voids the alleged contract. It's not fair that you all want me to hold up my end of the bargain but not you plus you all lied to me. UCC1-308
09/30/2016	Yes	Debt collection Auto	Improper contact or sharing of info Talked to a third party about my debt	NC 27215	Web
I have a car loan through Prestige Financial. I advised that I only wanted contact through email going forward to document all conversations. After correspondence with them via email, if the answer is not to their liking, they will contact my references for no reason. They have left messages and actually spoken with people to have them tell me to call regarding my car loan. This is embarrassing to say the least. I have proof that I had just spoken to them or had given them my answer. On several occasions I have told them what they were doing was illegal and they ca n't do this. I have filed a XXXX complaint against their collections practices before and was assured this would not happen again. This was my complaint filed on XXXX/XXXX/15 : I received a call from the collection 's department at Prestige Financial on XXXX XXXX, 2015. I have never been 30 days late, and I am in touch with my Account Manager via phone. I explained several times earlier this month that the remaining balance will be paid before XXXX XXXX. XXXX a collection 's representative called and was very rude. After speaking to me she told me she will just call my place of employment since I did n't want to talk. I told her she ca n't it was illegal, and she disconnected the call. About 20 minutes later my father called to pass a message. He just received a phone call regarding my carnote and they need to speak with me. I informed my dad that I already had spoken to her and she had no right to call my family. My mother lives in California, and she received the same call from XXXX who left the message on her cell phone. XXXX contacted me at XXXX, my mother received a call at XXXX, and my father approximately XXXX. My father called me right after the call at XXXX, I did explain that XXXX was not practicing FDCPA and she was calling with Malicious intent. I contacted Prestige and they did advise this was not normal practice. It is only done when No contact has been made on an account. This is completely illegal and malicious, I feel this needs to be addressed. XXXX had a motive and it was well received. It was a complete embarrassment, if I was completely unable to pay the car note, I would allow XXXX to pick up the car before allowing them to contact my references. Now I communicate strictly through email and I get 3 representatives emailing me with different amounts owed and they are contacting my references again even if they have correspondence with me the same day. I explained to my account manager XXXX that you can only contact them if he has not had contact with me, but XXXX is back at it calling people after I emailed her back and told her not to contact me again this week. She called my friend to leave a message for me, which was completely malicious. She had already had correspondence with me and even after I said not to contact me again this week she emailed me after calling my friend to let her know to tell me to call her regarding my car loan. They called her at least 3 times in the last 3 weeks and that 's unacceptable. They call my parents regarding my car loan and it does n't matter if they speak to me or not. I have the emails that show they had contact with me but they still contact my references. In one email XXXX suggested that I get XXXX to assist me with paying my car note. First of all I do n't know how she even knows XXXX name, but secondly to suggest she pay the car note was completely out of left field. I asked XXXX has she received calls for me and she said yes Prestige called several times. They will not stop and they seem to have NO REGARD for FDCPA. This has been ongoing and it 's really to the point where I would just give the car back. I did speak with a Supervisor in the collection 's department after my friend contacted me about phone call, and she confirmed that this was not their practice and it was wrong.
12/06/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Changes in terms mid-deal or after closing	OH 431XX	Web
XX/XX/XXXXXXXX a consumer credit transaction was initiated through XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX on behalf of XXXX XXXX , ( account number. # XXXX ). After exposing fraud, various OHIO REVISED CODE VIOLATIONS, UNITED STATES code violations, and CONSUMER CREDIT TRANSACTION VIOLATIONS and after the incident occurring on XX/XX/XXXXXXXX involving the XXXX Police Department, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX initiated the paralegal process of forming a suit against XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX PRESTIGE FINANCIAL SERVICES XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX ) all recorded calls, all loan information, and documentation pertaining to his account and social security number. After four business days of attempting to contact a manager at PRESTIGE FINANCIAL SERVICES via telephone, XXXX XXXX was forwarded around to different employees all of whom were not able to access the account # XXXX issued to XXXX XXXX at the time of financing of the consumer contract through XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. After ( 4 ) four days of attempting to inquire and acquire his personal information, XXXX XXXX was connected to XXXX ( XXXX ) Manager, who did have the ability to access account # XXXX connected to XXXX XXXX and she then informed XXXX XXXX that " his account had been moved to a locked or reserved designation within the company 's server that only managers can access '', and that " regular phone operators can not access these files ''. XXXX XXXX informed XXXX of the XX/XX/XXXXXXXX incident and that the owner of XXXX XXXX XXXX XXXX XXXX XXXX accused him of stopping payment on the loan and canceling the sale. XXXX XXXX requested that XXXX input a formal request to receive all calls, information, and documentation attached to his account. XXXX assured XXXX XXXX that she would get that information to him via email, and usps mail. XXXX XXXX was met 2 weeks later with an informal, unsigned paragraph on a PRESTIGE FINANCIAL SERVICES LETTER HEAD stating the following. " XXXX XXXX, we received your voicemail from XX/XX/XXXX, and are responding to your concerns detailed in that message. We did receive your application for financing ; however, we did not fund the application. We respectfully decline your request to provide recorded phone calls. With respect to your allegations against the dealership reporting the vehicle as stole, you would need to contact the dealership directly. We do take complaints against dealerships seriously and have measures in place to ascertain if there are any established trends with a particular dealership. Respectfully, PRESTIGE FINANCIAL SERVICES , INC. ''. XXXX XXXX had been in contact with several phone representatives for PRESTIGE FINANCIAL SERVICES including but not limited to XXXX, XXXX, XXXX, XXXX, and XXXX Throughout the 23-day transaction, not once was XXXX XXXX informed that he had not been funded, he had been told the exact opposite. XXXX XXXX was given account number # XXXX and told that he was approved for {$17000.00} by PRESTIGE FINANCIAL SERVICES INC. and that his financed amount was good for ( 30 ) days and only usable at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX OHIO XXXX location. XXXX XXXX had also been in contact with a female agent on XX/XX/XXXX after he received delivery of the XXXX XXXX XXXX, and he had expressed his displeasure with the car dealership and the vehicle. XXXX XXXX did not, at no time give anyone at PRESTIGE FINANCIAL SERVICES INC. approval, acknowledgment, permission or authorization to cancel, stop, or rescind the loan agreement. As a result of these deceptive practices, and withholding personal and financial information belonging to XXXX XXXX, XXXX XXXX has suffered immeasurable losses, damages, and injuries.
04/19/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	VA 22407	Web	Servicemember
My Complaint Is With PRESTIGE Financial Located In XXXX XXXX XXXX, UT XXXXAfter Contacting Them In " Good Faith '' And To Inform Them Of My Intent To Pay Be Will Be Late & After Submitting Copies Of Proof of My Current Tax Lien Issues Due To My Recent Divorce, Several of their Employees Have Continued To Call My Home Several Times A Day While I 'm At Work or Out of Town, to Send Text Messages To My Cell Phone ( After I Informed them Not To a Year Ago ) , Sending Several E-Mails By Different Collectors from their Firm to my Personal E-mail Address Daily, They Have Contacted My Family Members, My Friends and My Current & Federal Retired Co-Workers at my XXXX XXXX for whom I Submitted Their Names & Contact Information at the Start of this Auto Loan a References and then A Most Recent Email Was Sent Me Stating I should " Change My References '' if I do n't want them to contact them. Note : This Is Well Over the Line for a Collectors Behavior & Has Been Ongoing Well Before My XXXX Auto Payment of {$450.00} was Due and Agreed upon for XXXX XXXX XXXX 2015. To Date, This Collection Practice Is Currently Ongoing. ( Please See Below ) From : XXXXXXXXXXXX To : XXXXXXXXXXXX Subject : Account # XXXX Date : Mon, XXXX XXXX 2015 XXXX +XXXXHi XXXX , I just wanted to follow up with you. I 'm submitting the extension paperwork, and I want to make sure we 're on the same page. The payments will start up again in XXXX, as follows : {$450.00} for : XXXX 2015 - Payment will be mailed out on : Friday XXXX XXXX, 2015 {$450.00} for : XXXX 2015 - Payment will be mailed out on : Friday XXXX XXXX, 2015 {$450.00} for XXXX 2015 - Payment will be mailed out on : XXXX XXXX XXXX, 2015 {$450.00} for XXXX 2015 - Payment will be mailed out on : Friday XXXX XXXX, 2015 {$450.00} for XXXX 2015 - Payment will be mailed out on : XXXX XXXX XXXX, 2015 {$450.00} for XXXX 2015 - Payment will be mailed out on : Friday XXXXPlease review this, and confirm as soon as you can. Thank you! XXXX XXXXAccount ManagerPrestige Financial Services , Inc. A XXXX XXXX XXXX Company [ T ] XXXXFrom : XXXX XXXX [ mailto : XXXXXXXXXXXX ] Sent : Tuesday, XXXX XXXX, 2015 XXXXTo : XXXX XXXXSubject : RE : Account # XXXXGood Morning XXXX. And thank you for your assistance re : submitting this extension on my behalf. I 've had the opportunity to review my attached payment schedule dates and I have no problem with those dates. I have just received an " Updated '' 2015 Federal Pay Date Calendar from my Agencies Payroll Department in XXXX, Texas. Therefore, I can inform you of my pending payroll dates which are from XXXX 2015 to XXXX 2015. Please see my complete payment schedule below : Thank You, XXXX XXXX XXXX XXXX, XXXX. {$450.00} for : XXXX 2015 - Payment will be Sent Out By : XXXXon : Friday XXXX XXXX, 2015 {$450.00} for : XXXX 2015 - Payment will be mailed out on : Friday XXXX XXXX, 2015 {$450.00} for XXXX 2015 - Payment will be mailed out on : Friday XXXX XXXX, 2015 {$450.00} for XXXX 2015 - Payment will be mailed out on : Friday XXXX XXXX, 2015 {$450.00} for XXXX 2015 - Payment will be mailed out on : Friday XXXX XXXX, 2015 {$450.00} for XXXX 2015 - Payment will be mailed out on : Friday XXXX XXXX {$450.00} for XXXX 2015 - Payment will be mailed out on : Friday XXXX XXXX {$450.00} for XXXX 2015 - Payment will be mailed out on : Friday XXXX XXXX {$450.00} for XXXX 2015 - Payment will be mailed out on : Friday XXXX XXXX {$450.00} for XXXX 2015 - Payment will be mailed out on Friday XXXX XXXX {$450.00} for XXXX 2015 - Payment will be Sent Out By : XXXXRec 'd Email from : Prestige : We have a right to contact you to secure the debt you owe. While we did contact the references you provided for situations such as these, we did not disclose personal information. If you woul
02/03/2019	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	IN 477XX	Web
We purchased a XXXX XXXX XXXX XXXX XXXX from a auto dealership here where we live XXXX XXXX, we got Financing through Prestige Finance at 22 % intrest, we thought that was really high, but we needed the vechical, shortly after we bought the truck, I started having XXXX problems, and after weekly hospital stays Inwas told I needed to have XXXX XXXX XXXX XXXX XXXX XXXX, so at that time, we did not wantbto deault on our loan we had other bills as well, so we decided after talking with our attorney that we should file a bkXXXX so we did, we did include our Truck, into our chapt XXXX plan, we made monthly pmts to the bkn trustee who in turned paid all our bills including the truck, that was financed through prestige finance, when I was finally able to go backnto work, We dedcided to Dismiss our chaptbXXXX and start paying again ourselfs. I called prestige Finance myself to tell them we would be resumming our truck pmts, at which time, I was told, by collection rep her name was XXXXthat we would need to pay XXXX well I knew our loan was orgionally XXXX, XXXX somI was floor by her statement, so I asked how that would be possible since we had paid through the bk XXXX, XXXX, why we were not credited that amount of money, she just said again, that the company would be willing to accept any payment, but to payoff the loan, we would need to refinanced XXXX to pay them, So we did try, but could not get anyone to give us a loan due to the recent bk, so we asked for mgrs, and vice president, anybody we could think of that could help us, we tired, for 8 months to get prestige to work with us on the payments, we really need the truck, every attemt we made was always the same thing, every request we made to have someone higher up to return a call, never happened, so in XXXX, XXXX, we did receive a phone call, from a man name XXXX XXXX, h evwas in the recovery Dept, he had called us threathing to have us jailed, for not giving him the truck, which after several times a month, trying ton work out the payments, we were floored by his comments, so at his demand, and again after their continual not willing to accept our truck pmts, we were threaten to bring the vechical to the XXXX parkjng lot, leave the keys inside the truck locke up the truck, and they woukd pick it up, after 2 days the vechical was gone, we never heard anything from them again, We worked on rebuilding our credit, and we only recenly found out, that we had a Default Judgement, because we had apply for a home li an, and after a title search it was found, we were never served we were never told how much, they got on the truck we were never provided any info, or any rights on anything, these people took the truck, they threaten us over jail, they lied on paperwork, and now this, our orgional contract was for XXXX, XXXX we paid XXXX, XXXX that was our remaing bal effective of XX/XX/XXXX, they collected XXXX, XXXX intrest they sold the truck for XXXX, XXXX they actually got way over the orgional loan amount, and they got a deault Ju dgement for iiver XXXX aganist us, We have paperwork for Prestige that talks about the Cal Of Deficency, butvvwhen you look at the cal its not correct, higher inflated, we also have the pay historie from prestife if them payment recieived, along with intrest, we need your help please, mwe have looked. Online and theirs 10,000 of thousands of complaints of fraud practices with this company, we are unknowing comsumers, who were also frist time home buyers, and with the and with the Dodd abbd Frank act and the fair credit act,, this should not be going on, This company is getting away with fraud and collecting monies thats unfair. Please we need you help to reslove this problem. XXXX and XXXX XXXX. XXXX XXXX
06/09/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	VA 23060	Web
I 'm filing a complaint because I have continually received false information, been misled, harassed and threatened by various Prestige Financial account managers. I have also been refused the opportunity to speak to a manager & I was refused the address to send a written complaint. XXXX XXXX advised I could only send it electronically. I received this loan because I was in a current Ch XXXX due to a major reduction in income due to the XXXX. Shortly after receiving the loan, my company decided to lay off and relocate apart of the business. I was forced to take another cut in salary. I have communicated every detail of my situation to my previous account manager XXXX XXXX. In XXXX XXXX notified me that my account manager was changing. Eventually, XXXX XXXX became my account manager things went smoothly until I needed repairs and I received a major bill from the IRS. XXXX advised all of my extenstions had been utilized and she could put me on a XXXX program to help me out. Each text message stated that reduced payments would extend the term of the loan and I would accept via text message. XXXX would send text messages before my due date stating that I had to give a post dated check to prevent my account from being escalated for further action ( the account was n't 30 days past due ), she would also insinuate that my vehicle could be repossessed if I did n't post date a check. I would comply in fear of repossession. In XXXX when XXXX was on vacation I spoke with XXXX and discovered that I was not in the XXXX program and that I was past due. XXXX could n't explain why XXXX would have provided that information. XXXX was supposed to research and follow up and I never heard back. In XXXX I made an arrangement with XXXX via text message to make the payment on XXXX XXXX. On XXXX XXXX, XXXX I received an email from XXXX XXXX ( deadline notice ) stating that I had until XXXX XXXX to respond or my account would be escalated for further action. In addition to email he sent several harassing and threating text messages. On XXXX XXXX, I received another email & I responded again on stating per our text message on XXXX XXXX, the payment would be made on the XXXX ( the info was given to XXXX and XXXX ). XXXX and I went back and forth he accused me of not cooperating. I finally sent him a screen shot via email of the text message exchanges and the text message that provided my initial arrangement with XXXX, I also advised I would file a CFPB complaint. XXXX refused to return my call to review my loan and has yet to send the payment history I requested. He also refused to tell me how many times they have reported me XXXX because of the false information XXXX provided. XXXX then apologized and advised they had system issues. XXXX XXXX I received a random text from XXXX XXXX stating I owed {$250.00} ( after I paid my full amount in XXXX ). He stated that payments were rolled unto the next month and never completed a full payment ( after XXXX told me that could n't happen ). XXXX also stated that I was not apart of the XXXX XXXX program and he explained in detail the requirements or the program. XXXX advised she had this approved by her manager & never gave the info that XXXX provided. At this point I 'm tired of receiving conflicting information, being harassed and threatened. XXXX assured me he was here to help and I appreciate it however, it does n't explain why I have received false information especially when XXXX identified himself as a VP and he took my XXXX 's payment and never advised that I was past due or owed an additional amount. Working with Prestige has been the worst experience, it is now impacting my health and I have worked very hard to maintain my credit.
04/08/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	TX 75013	Web
Presige Financial Services response to CFPB complaint XXXX did not in any way respond to the complaint itself and what was being asked of Prestige to provide pursuant 15 U.S.C 1601. Under 15 U.S.C 1602 ( g ) The term creditor refers only to a person who both ( 1 ) regularly extends, whether in connection with loans, sales of property or services, or otherwise, consumer credit which is payable by agreement in more than four installments or for which the payment of a finance charge is or may be required, and ( 2 ) is the person to whom the debt arising from the consumer credit transaction is initially payable on the face of the evidence of indebtedness or, if there is no such evidence of indebtedness, by agreement. Notwithstanding the preceding sentence, in the case of an open-end credit plan involving a credit card, the card issuer and any person who honors the credit card and offers a discount which is a finance charge are creditors. This was indeed a consumer credit transaction using my credit card, i.e. social security card. Prestige Financial has falsely claimed that I owe them an outstanding debt of {$17000.00}. Pursuant 15 U.S.C. 1692 ( c ) ( c ) If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except : 1. to advise the consumer that the debt collectors further efforts are being terminated ; 2. to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or 3. where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. If such notice from the consumer is made by mail, notification shall be complete upon receipt. Prestige Financial Services has complied with none of this statute. I requested of Prestige Financial Services in writing through Certified mail : 1. To prove that I am indeed the party who is by promissory note ( contract ) obligated to pay off this debt. I request a full audit trail under GAAP ( 12 USC 1431 ). 2. Attach copies of the following documents : 1. Payoff Disclosure, 2. Interest Rate Disclosure, 3. Balance History, 4. Payment History for all transactions and those claimed to originate from my bank account. 5. Credit Insurance Prestige financial Services is owed {$0.00} by XXXX XXXX under 15 U.S.C. 1681 the same as it is under 15 U.S.C. 1602 ( I ) which is the term credit card means any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Notice congress said ANY card. The credit card is my social security card. This is the credit card I use to originate the consumer credit transaction. Prestige Financial Services knowingly and willingly violated 15 U.S.C 1692 and has reported false information to CRA 's regarding payments made on this alleged debt in an attempt to re-age this debt. The initial reporting stated ; initial amount of alleged debt {$15000.00}, Prestige Financial charged off debt in the amount of {$14000.00}. then reported an alleged debt owed of {$16000.00}. PRESTIGE FINANCIAL SERVICES then reported a payment of {$0.00} and a new alleged amount owed of {$17000.00} in an attempt to re-age the alleged debt for collection purposes. Prestige continues to knowingly and willfully violate my rights as a federally protected consumer. Once again Prestige Financial Services debt claims are refuted.
11/15/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	IL 622XX	Web
XXXX of XXXX I initiated a consumer transaction with XXXX to purchase a used XXXX XXXX XXXX. I was asked to put down XXXX at the time which I did. It wasnt until XXXX of XXXX that I began looking off into consumer laws ( I had noticed alot of things while car shopping that I started to question ). I began to look over my retail installment contract ( not a loan as they lead me to believe ). I was asked for my social security number which I gave at the time. According to 15 U.S.Code 1602 ( l ) states The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. By the company using my social security card they already had what they needed. The car was financed through Prestige Financial. I should not have needed a down payment to be approved for the car. 15 U.S.Code 1605 ( a ) Finance charge defined Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. Examples of charges which are included in the finance charge include any of the following types of charges which are applicable : ( 1 ) Interest, time price differential, and any amount payable under a point, discount, or other system or additional charges. ( 2 ) Service or carrying charge. ( 3 ) Loan fee, finders fee, or similar charge. ( 4 ) Fee for an investigation or credit report. ( 5 ) Premium or other charge for any guarantee or insurance protecting the creditor against the obligors default or other credit loss. ( 6 ) Borrower-paid mortgage broker fees, including fees paid directly to the broker or the lender ( for delivery to the broker ) whether such fees are paid in cash or financed. This clearly states that the finance charge is the sum of ALL charges. And that no third party fees shall be included in a finance charge. I also notice that it says premium/insurance is included in the finance charge. None of this was disclosed to me. According to the T.I.L.A, Regulation Z, and 15 U.S. Code 1635 states that I also have the right to rescind, this was to be disclosed to me I was never told that I could rescind nor did I sign anything waiving this. I know that I signed an arbitration agreement. Since studying these things I have sent in form 56 to the IRS letting them know that I am a natural person. I have sent the dealership and finance company power of attorney letting them know I am capable of making my own decisions. I did send a notice of rescission to to the dealership but they told me they were not goin got comply. I realized I did not put all parties on notice. I did send rescission notice to the dealership, dealership registered agent, finance company, and finance company registered agent. I am currently waiting to hear back from all parties.
12/14/2017	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	TX 77433	Web
We financed an auto using Prestige Financial Services , Inc on XX/XX/XXXX. At that time, we were provided with a Truth in Lending Statement which disclosed the following : - 20.40 % APR - {$17000.00} Finance Charge - {$23000.00} Amount Financed - {$40000.00} Total of Payments - {$550.00} Amount of Payment - 72 Payments During tough financial times, we were unable to make the monthly payment and they added 3 payments to the back, extending the mature date of the loan out 90 days. As of today, we have made 71 successful payments but have been told we still have a balance of {$6200.00}. We have been informed that the balance is due to us paying late and additional interest that has accrued over the course of the loan. I have requested, NUMEROUS times for an amortization schedule which would show how much of each payment was SCHEDULED to go towards interest and principal. I have only been provided with an Account and Fee Statement. It does show all the activity on the account including how much went to the interest and principal. However, the amount that was applied to interest and principal was very inconsistence ; thus, which lead to my request for an amortization schedule because it does not look as if they were following a schedule of any kind. I understand that at the beginning of the loan more goes towards interest than principal. However, as it stands we have no idea when we will be done paying for this loan. Based on their calculations and how they applied payments, we have paid : - {$21000.00} Interest ( Truth in Lending stated we would ONLY pay {$17000.00} ) - {$17000.00} Principal ( Amount financed was {$23000.00} ) If interest, from our payments, would have been applied to the set amount of {$17000.00}, as disclosed to us in the Truth in Lending Statement and the rest towards principal then we would only owe about {$1400.00} towards principal and {$580.00} in fees for a total owed of {$2000.00} instead of the {$6200.00} that Prestige Financial Services, Inc states. Another important detail to note, is that the Truth in Lending Statement figures are based on 20.40 % APR. During repayment, our interest rate was reduced two times to 20.15 % ( XX/XX/XXXX ) and then again to 19.90 % ( XX/XX/XXXX ). Thus, this should have also reduced the amount of the Finance Charge that was to be paid back. Without any amortization schedule, we could be paying for many more additional months! Most recently I was told by XXXX XXXX, Asst. Team Leader on XX/XX/XXXX, that they ( Prestige Financial Services , Inc ) are unable to access my account and the amortization schedule since we are delinquent. That makes NO sense! Prior to XXXX, I have been in communication with XXXX XXXX who is a Specialize Account Manager. Our account was transferred to XXXX because we were affected by Hurricane Harvey and lost almost everything. One day, in XXXX absence, I spoke with XXXX XXXX, XXXX Customer Service, who provided me with a letter stating how much was needed to bring our account current. Over and over I have been told that late payments is the reason why I have to pay more. However, they have not been able to show me an amortization schedule that will support their claim which has resulted in almost {$6000.00} in additional interest.
06/29/2019	Yes	Debt collection Auto debt	Communication tactics Frequent or repeated calls	FL 339XX	Web
I receive multiple text messages, emails and phone calls from Prestige Financial regarding my account ... sometimes all within the same day. The messages are typically harassing, belittling and extremely personal. I've asked them before to please keep it professional but they insist on utilizing these tactics. Sample Message : 1. Do you expect us to hold you until the last day of the month? Your payment needs to be secured and set up with us if that is what you want. Books are closing at the end of this week. We need immediate payment or we will have to move forward due to non-payment. I can offer a reduced amount of {$450.00} ( higher than my normal payment ) do you want that help? Please be aware if not made this shows management that this is not affordable or a priority. XXXX 2. Nothing is still resolved on your end. With books closing Saturday, we have today, tomorrow & Saturday to receive some sort of payment or plan. Are you wanting to work this out with us? We have offered you a minimum payment of {$240.00} but haven't heard back. In order for me to vouch for you, communication is needed. What is your plan? XXXX/Collections 3. I have tried my hardest to help you out and get this resolved. But decisions are going to be made with or without your participation. I would hope you want to be involved in this. We are asking for a minimum payment of {$240.00} no later than tomorrow at XXXX XXXX. This is a 24 hr notice. Are you going to make this right and do the right thing? Or are you unwilling to pay on this? XXXX/Collections 4. I won't give up on you, I will continue to be your biggest advocate here and help you the best I can. But how do you expect me to do that if you won't communicate with us? How can I help if you aren't taking this loan seriously? I need to hear from you today. Are you going to meet your end of the contract and meet books closing? Or have you given up on this? XXXX 5. Regardless of your situation, you need to respond so that we can try to get something figured out here. Your car loan is past due and that's a huge concern! I'm not sure if you are taking in to account that you will be considered a payment behind as of Monday and that the loan will be treated accordingly. Books close in a couple hours and time is swiftly running out. Are you able to pay today? Do you need assistance? Let me help! XXXX/Collections 6. We will just move forward XXXX. I am not lying you never responded to my texts or emails. Books are closing are you going to make the payment? XXXX 7. Again I am letting you know that you are missing books closing and will be 2 full months past due next month. I will let management know. XXXX 8. Well it will come back on you not us. So again if you want to just tell me what you said instead of arguing and going back and forth I can help. If not that is your choice to not pay for your car and be rude. XXXX These are just a few of the messages that I've received. These were all done over the last 48 hours. Imagine the messages I've been getting since I actually became due 25 days ago. I even get messages from them before I'm due. In addition to the enormous amount of text messages, they call family members and friends and leave messages with my personal account information.
03/16/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	OH 43085	Web
The Ohio Revised Code - Consumer Sales Practices Act ( XXXX ) ORC 1345.01 Protects consumers from unfair, deceptive, or unconscionable acts or practices in connection with the purchase or solicitation for a purchase that would be used for the home or personal use. It also prohibits sellers from taking advantage of a consumers illiteracy, mental or physical disability, or inability to understand the terms of a sale. The Holder Rule, 16 CFR part 433, protects consumers who enter credit contracts with a seller of good or services by preserving their right to assert claims and defenses against any holder of the contract, even if the original seller subsequently assigns the contract to a third-party creditor or assignee. Under the Truth in Lending Act 15 U.S.C 1601-1667j ( full disclosure ), I have the right to know of whom the true party of interest in this transaction. Ive sent three affidavits to the CEO XXXX XXXX of Prestige Financial, ( XXXX thru XXXX ) requesting Documentary Evidence disclosing as to where this loan originated. Copies of the communication were attached to a previous complaint no. XXXX. All of which remain unrebutted. Pursuant U.C.C. -ARTICLE 3-3-501 ( b ) 2 ( 1 ), I am entitled presentation of the negotiable instrument. That demand is hereby ordered. My demand to inspection is also made in accordance with Federal Rule 34 of Civil Procedure. I request this inspection to occur in the state of Ohio city of XXXX, where the transaction took place. Please contact me ( in writing ) to arrange. Attached to this complaint is the most recent correspondence received from Prestige Prestige Financial Services, titled " NOTICE OF OUR PLAN TO SELL PROPERTY ''. In response I request in writing : 1. Detailed calculation of the amount of your claim, with verification that Prestige Financial Services is the Holder in Due Course. Verification defined : confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition all of which require sworn statements. 2. Provide the opportunity to inspect the true and certified copy ( not photocopy ) of the Original Note ( Credit Agreement ). 3. Cease and Desist in instigating actions such as selling the vehicle, until reasonable and prudent diligence is put forth to verify the amount claimed owed is in fact a legitimate debt under penalty of perjury and with unlimited liability confirming that this Note has never been sold in a pooling and servicing agreement. This also known as Securitization. As opposition to doing so would unlawfully deprive of property without due process. 4. Confirm the name and address of all persons, corporations, association, or any other parties having an interest in legal proceedings regarding the alleged obligation. As well as the individual who is the duly authorized representative from your company, that has carried out due diligence under The Money Laundering Regulations XXXX. I request all communications in writing. Please note any written communication must be in accordance with 28 U.S.C. 1746, as I will not accept any future correspondence that is not. This is the last good faith attempt before I am forced to litigate. I am willing to resolve this matter privately and civilly as to avoid burdening our courts.
04/13/2018	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem while selling or giving up the vehicle	TN 37130	Web
I purchased a car at the end of XX/XX/XXXX ( at the time my last name was XXXX ) and a month or 2 after purchasing it I got put on medical leave at my job. I sent documents to the Finance company and they said they could do nothing cause the loan was new. I continued to pay what I could. The beggining of XX/XX/XXXX I was admitted into a hospital which I was required to stay at for 2 1/2 weeks I also sent proof to finance company for this. They said oh we can try to lower your monthly payments temporarliy, but they never did. Due to 2 back to back medical leaves from work I got further behind. InXX/XX/XXXXXX/XX/XXXX I set up for an auto draft payment to be removed from my bank account and a few days before the set up payment arragnement to be auto drafted they repoed my car. I emailed and called the finance company and asked why did you pick up the car when the payment was set to come out of my account. I was told there must have been a miscommunication between the payment department and the repo department. She stated her manager would call me he did and said well since we already have the car back you will have to pay over {$1000.00} in repo/towing fees and the auto payment you had set up. Which of course I could not afford. Well I have NEVER heard a word for them since that date, NO emails, NO phone calls, NO letters in the mail nothing. I pulled my credit report ( XXXX ) XX/XX/XXXX and it stated under their business name as of XX/XX/XXXXI had a {$0.00} balance. So I assumed I did not owe anything because of everything and they had just resold the car. Well now 3 years later they called my former employer, NOT ME, but a former employer about checking employment. At this point I called the finance company and asked what was going on. She stated I owed over 12,000 I said how is that? ( Credit report says the Original Loan Amount is around {$13000.00} and that I have a {$0.00} balance ) even today it still say original loan amount was around {$13000.00} she is saying original is over 23,000. I asked her to verify my address, phone and email to make sure it was what I still have and it was and when I asked her why they have NEVER tried to contact me she said it was my fault?! How is that?! Haven't moved or changed anything. I told her what the credit report said on XX/XX/XXXX she said it must have been reported wrong, how is that my fault I can not report to the credit bureaus they have to. She proceeded to tell me there is no record of them trying to contact me in 3 years at ALL. She stated they had sold the car at auction and that I had made payments on it for {$8000.00}. I have a legal documented Credit Report saying what the original loan amount is and that I have a {$0.00} balance after they took the car back and now 3 years later they are contacting my former employer, i know they legally can not garnish my check with you taking it to court so they are illegally trying to do so. I really need someone to help me I was told XX/XX/XXXX that my balance was {$0.00} over the phone and when I pulled my report XX/XX/XXXX it stated {$0.00} balance as well and that this account was wrote off/charged off and know they are contacting others ( NOT ME ) saying I now owe money. Please help, these guys are crooks!!
04/01/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	TN 380XX	Web
Previously, my husband and I submitted a complaint because of some inappropriate communication and solicitation from Prestige Financial and their agents. Upon receiving the complaint, Prestige contacted us and stated that the agents in violation were no longer handling the account and we were being forwarded to XXXX XXXX. XXXX contacted me and we discussed plans to rectify the accounts instability. We made an agreement that payments of {$320.00} would need to be received every month for 5 months before we could transition into a " fresh start ''. I agreed and began making payments, in XXXX ( I believe ). XXXX and I were in contact with each other until my father became ill in XXXX. It was in this month that I continued to make the payment of {$320.00}. This month, XXXX 2016, I really began to look more closely at our finances and realized that we could pay the Prestige account weekly and begin to attack the large amount of interest that was building daily. So I began making weekly payments of {$75.00} starting on XXXX XXXX, 2016. On XXXX XXXX, 2016 I remitted another payment of {$75.00}, and again on XXXX XXXX. I had just {$97.00} to finish out the promised payment amount of $ XXXX/monthly, and had planned to pay that amount today, XXXX XXXX. This brings me to my complaint. On XXXX XXXX, 2016 at XXXX, per email stamp, XXXX XXXX sent an email saying : " Good morning, Will you be submitting the additional {$97.00} needed to complete the {$320.00} payment? Or can we set that up with your checking info? That is the amount needed by XX/XX/XXXX to keep this from charging off. Thanks '' At XXXX, the same day, my husband called me to tell me that the repo man had come and taken the car. My husband works XXXX shift and had to be at work at XXXX, and all of his tools for work were in his car. The repo guy would not let him retrieve his things before dragging the car down the street. When we reached out to XXXX she said that due to lack of communication she was not sure that the payment was going to be made so she alerted the repo company. I am not sure how she could ASSUME this being that payments were made timely and per the amount agreed upon monthly. XXXX told my husband that me making payments every friday were not satisfactory and that I needed to make a monthly payment through her and through her alone. This information was never communicated. Prestige Financial is a predatory lender and their agents are pompous. Per her last email, XXXX stated that the payment had to be in office by XXXX XXXX. It was made today. We have kept our word with them and paid the amount agreed, however, they have not done the same. When I informed them that we would be filing another complaint, they immediately had their compliance officer, XXXX XXXX, contact me. He agreed that I have been making the payments monthly, and that me paying them weekly in smaller increments was not a problem. He tried to rectify the situation, but not until we pay an additional {$640.00}. I do not feel that this situation was handled properly at all and Prestige has constantly and overstepped their boundaries and this is just another example of how they are very unethical. They must be stopped.
11/20/2016	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	OH 45248	Web	Servicemember
I purchased a vehicle from XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX and obtained financing for my loan through Prestige Financial Services on XXXX XXXX, 2016 for a 14.99 % interest rate with a payment of {$600.00} for 72 moths. In which I knew was steep but opted to do the loan to reestablish my credit due to a recent bankruptcy filing and divorce. My original due date was supposed to be XXXX/XXXX/16 but the loan was not funded due to XXXX at Prestige needed to verify that I did not file a reaffirmation on my home. During Prestige 's verification I accepted a new position for employment and also provided XXXX with my offer letter for verification. XXXX and XXXX from XXXX contacted ma and stated I needed to sign a new loan document because my loan was not booked on time indicating that the only change would be my new date. There were no other changes of the terms by either party as required by Truth In Lending. All calls at Prestige are monitored and recorded to validate my complaint. With me being within my 90 days and in training XXXX arranged to come to my job for me to sign the new loan documents again no other conversation took place about any changes. When XXXX arrived I was not on break and had to run to the lobby very quickly to sign the loan documents and I had to return back to training since I was disrupting training to sign. When I came out again no conversation about any changes other than the due date. XXXX just pointed where to sign and I did as I trusted him especially coming to my job since I was unable to take off to do it. A few days had past and I was contacted by XXXX with Prestige to setup auto payment for my new loan and it was discovered then and only then that my rate was changed to a 17.99 % with a payment of {$630.00}. I immediately advised XXXX that was inaccurate. I sent him my original loan agreement and he sent me the new XXXX that had the new terms that were not communicated. I have text message between myself and Laron where he advises he thought I knew and that it changed because I changed employers. This was not communicated by either party. I would not have taken the loan if I was made aware as I already had a car that I could have kept. I have contacted XXXX, his manager, XXXX, her manager XXXX XXXX, and XXXX multiple times with no response or return call. That they are looking into it. I informed XXXX that I wanted to bring the car back and was denied. I even had to pay for a sevond temp tag because of this situation. I went ahead and made my first payment as I did not want this to reflect negatively on me as my whole point was to reestablish my credit. I am getting the run around and felt that XXXX and Prestige were deceptive and unfair not going over that my terms were changed. I last spoke with XXXX when he called about my second payment and told him that this was still not resolved. He said he would have XXXX XXXX call me in which still no contact with either parties. I have left countless messages. I want them to adjust my interest rate and payment amount. I also would like them to do something additional to rectify my despair.
01/13/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	CO 80817	Web	Servicemember
When I initially bought the car in XXXX. The dealer said that my loan was for a little over XXXX. Yhen when I went to pay my initial payment I seen that Prestige had me principal balance listed at over XXXX. Which I have proof that I signed a contract for the XXXX. I am not sure where the switch and bait occurred, but it did. I asked the customer service rep why was my principal balance stating that and he said he didnt know I needed to talk to the dealership. When I talked to the dealership they had no idea what had occurred and why there was a difference. Which according to reports and complaints online I am not the first person this has happen to from this predatory loan company. I've never recieved a phone call explaining to me what happened or any more additonal information. In XXXX I made a payment to Prestige and they took the payment out twice. I paid and then they ran my card again unauthorized causing the payment to come out twice. When asked about it they blamed me and said it was my fault and they would return the money. They returned it then the next day took it out again. When asked about it they never respond. I have sevral emails and text messages showing me asking about my double payment and I've never gotten an explanation or response. I changed my due date to the second half of the month. In a text message/email I requested they send me paperwork stating and showing such to this day I have never recieved the paperwork. Which I also have proof of. I have been 2 days late a couple of times, no more than 10 ever and every month they harass me before my payment is even due via text message and email. Then in XXXX I asked them why are they harassing for being two days late but never respond about my double payment then again they go silent. In XXXX I pulled my credit report and on my credit report they have it listed that I paid over XXXX and no payment was made for XXXX, but thats a lie, because I have never missed a payment and I have bank statements and a receipt from XXXX XXXX for the one time I used bill pay because I was afraid they would take the payment out twice again. I called them and asked them about this matter and they hung up on me. I emailed XXXX XXXX who is the one who harasses me month after month and he never responded. That XXXX payment should have made me a month ahead, but they didnt list it as such. They stole my money and then said I missed a payment which I didnt not and I have proof for. According to the XXXX and other complaints this predatory company has done this to several people. I told them that I plan to sue and I do. For the harrasement and the unethical practices. Which they have several lawsuits pending against them for the same thing right now. I am a XXXX XXXX XXXX veteran and I have served my country well not to be preyed on or taken advantage of. Only reason I am stuck with them is because I went through a bad divorce and had to start over. Again I have paid them on time every month except for being maybe 2 days late ( which I have proof of ), so I am by no means trying to get away with not paying my bills.
03/14/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	IL 622XX	Web
I have sent Prestige Financial Services an Affidavit of Truth in XXXX regarding the statements that they have been sending me in the mail with the coupon attached. This lead me to actually understand what a bond and instrument really is. Which I found the legal definitions in XXXX XXXX XXXX XXXX edition to be exact. This affidavit of truth has went unrebutted. I requested that they respond back to me via notarized mail only which is how I communicated with them. Yet they continue to send me the alleged statements in the mail and text my phone. I gave them 10 days in the letter to respond back which they did not. I then sent them over an Affidavit of Default stating that they have committed trust fraud through this TRUST transaction and that I am the living woman/soul of this alleged debt that they are stating that I owe. To settle this debt I then sent them a 1099A indorsed by me ( the beneficiary ), along with that I provided them with instructions on how to use the 1099OID,1040V, and1096. I have waited over 30 days for a response and still have not been successful with remedy. I took it upon myself to call and speak with someone. I spoke with XXXX who is the alleged supervisor over the account. I was asked why I " thought that they property was " abandoned ''. From my knowledge according to XXXX XXXX XXXX abandon mean to relinquish or give up with intent of never again resuming or claiming ones rights or interest. I questioned him about the alleged " loan '' ( which I could not seem to find in the legal dictionary ) that was said to have been given to me because I did not recall any alleged funds being placed in my hand nor account. I have been mislead with them attempting to use the words " loan, contract, and retail installment sales contract '' to confuse me. He stated that the funds was transferred over to the dealership ( XXXX XXXX ). I stated to him that the transferring of funds was never disclosed to me which violates Truth In Lending Act. I requested the 1099OID and an on/off ledger balance and was told that they can not provide me with this. They have failed to report the taxes on their " income '' that they have received. They have been compensated from the TRUST account also while receiving funds that I have sent through my checking account meaning they have been double paid. I also requested EVERYTHING in the file that they have with en legis name on it assumed to be me the living woman/soul. I have also sent XXXX XXXX the same notices which have went unrebutted. This has lead me to believe that that XXXX fraud has been committed and they have failed to withhold their fiduciary obligation unto me ( the living soul/woman ). They have willingly and knowingly failed to disclose unto me that any alleged funds were transferred over to the dealership. They have led me to believe that I owe such said amount on a vehicle that I am not sure if the dealership added on any additional fees. Which from my understanding the HJR192 autographed by President Roosevelt in 1933 clearly states that every obligation is to be discharged and backed by the United States.
05/05/2020	Yes	Vehicle loan or lease Lease	Managing the loan or lease Billing problem	WI 53209	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX Prestige Financial XXXX XXXX XXXX XXXX XXXX, UT XXXX XX/XX/XXXX Dear Sir or Madam : I am writing to dispute a billing error in the amount of {$13.00}, XXXX on my account. The amount is inaccurate because I have been making consistent payments to pay off my car and this afternoon I was told that I owe {$940.00} in fees that were never listed on any of my statements. This is unfair because if I do not know that I have late fees, how can I pay them? The fees also affect the interest I am being charged and my payment amount and I feel that this tactic is illegal. I am requesting that the error be corrected, that any finance and other charges related to the disputed amount be credited as well, and that I receive an accurate statement. Enclosed are copies of a few of my most recent and current statements which do not list any fees that I have been told that I owe now. 1. Statement date XX/XX/XXXX covers XXXX there is no record of my payment of {$1700.00} that I made on XX/XX/XXXX and my balance did not decrease and then the next statement dated XX/XX/XXXX covers XXXX. There is no record of date XX/XX/XXXX on either of the two statements and I made a payment on XX/XX/XXXX and it is not showing up. 2. On statement dated XX/XX/XXXX it covers XXXX but lists a fee assessed on XX/XX/XXXX. The statements for XXXX and XXXX skip XX/XX/XXXX and show no record of activity for that date and I made a payment. 3. Legal fees for repo were charged on XX/XX/XXXX, the balance was settled on XX/XX/XXXX and the car was returned to my possession on XX/XX/XXXX so why were fees charged again on XX/XX/XXXX? 4. I made a payment of {$220.00} on XX/XX/XXXX and it was reversed for no reason on XX/XX/XXXX per the statement dated XX/XX/XXXX. There is no indication or late fee/non-payment fee on the XXXX, XXXX or XXXX statement that my payment had been returned. 5. Each statement indicate that the total balance includes principal interest and fees yet I am being charged a separate amount of {$940.00}. My balance via the online portal as of XX/XX/XXXX indicates it is {$12.00}, XXXX, however on the statement dated just one day earlier on XX/XX/XXXX indicates it is XXXX ( fees included ) but the current principal balance is listed as XXXX. None of these balances have any cohesion. None of the balances indicate how the fees of XXXX have been calculated and since the opening of the account no payments have been applied to all of the fees that had been assessed. I have found several billing issues on statements where one day out of the month is skipped and is not included in the statement for the month before or after that date. I also know that my balance is much higher than it should be. Please investigate this matter and correct the billing error as soon as possible. As a result of these unethical practices I would like to be able to give the car back with no penalty or discontinue payments on the vehicle if this balance is not corrected. A crime has been committed. Sincerely, XXXX XXXX
04/30/2018	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	NV 89523	Web
On XX/XX/XXXX I received an auto loan from prestige financial for a XXXX XXXX XXXX. The original loan amount was for {$16000.00}. In XX/XX/XXXX I was attacked by 3 dogs, left unable to work, and in the end lost my career as a XXXX and unable to pay my car note as originally planned. From then on it was chaos in every sense of the word, whenever I had to communicate with prestige financial ( particularly XXXX who was very demeaning, threatening and just plain disrespectful ). If they werent misreporting my payments then they were completely dropping the ball on their end. I was made empty promises on numerous occasions. In XX/XX/XXXX my garage door was opened by a repossession agent, my belongings that were leaning against the car ( ie : daughters bicycle, some trim molding, and other items ) were removed from my garage and and set outside, to lean against the exterior of my garage, where they were left in order for the car to be removed from my garage ( that Was closed, all but 10 inches, that I left open to air out the garage ). After they took possession of the car I had to immediately contact them because I had thousands of dollars of my company tools, my daughters belongings, amongst many many other items in the car that I needed. They immediately acted like everything was a game, that they didnt need to answer any of my questions in regards to the location of my personal and business items. By the time I finally got someone to return my phone calls almost 4 days had passed and i was told to contact someone else ( I have no idea what company this gentleman was with ) I was made aware that my car was transported to XXXX, AZ with all of my belonging in tow. They also said that even if I found a way to XXXX, which was approximately 3 hours from my residence, I would have to pay $ 600+ and they would be adding {$100.00} per day storage fee. So needless to say, I lost ALL of my companies tools, personal belongings, and many other items. From that day forward I never heard another word from Prestige. Many many failed Attempted calls and multiple voicemails and no response. Next time I heard from prestige was via USPS that they had sold the car and my final bill was enclosed for {$14000.00}. I was never made aware that car was even going up for auction, where, when or how. They did not make all attempts to perform the redemption of collateral sale in a commercially reasonable manner. '' In other words, the lender DID NOT make all attempts to sell my car for AT LEAST its fair market value ( which is {$8600.00} as of XX/XX/XXXX, almost 2 years after the original redemption of collateral was performed ) Selling the car for less than market value imdicates the sale was NOT commercially reasonable, and therefore in violation of the law. I am currently in the process of trying to repair my credit in hopes of buying a home but this faulty collection account is really affecting my score and overall debt amount. I have exhausted all my resources on solving this matter with the lender to no avail.
03/22/2017	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	CO 80249	Web
I, XXXX, have made several attempts to reach out to Prestige Financial and find their collection practices to be appalling, to say the least. Their lack of response to my calls or emails is disturbing. I have made several attempts to reach out to them leaving 2-3 messages and I do not receive a call back. We, my wife and I, were going through serious financial hardships and unfortunately defaulted on our car loan to a point where it was repossessed by Prestige Financial. The car loan we obtained for a XXXX back in XX/XX/2012 was for $ XXXX with a high interest rate of 16 %. We had the vehicle for 4 years and paid a total of $ XXXX to Prestige Financial but apparently all the money we gave them went towards interests and late fees. Prestige Financial is still asking us for $ XXXX plus a 16 % interest rate. Initially when I contacted Prestige Financial they wanted me to pay {$150.00} towards interest and {$100.00} towards the principle each month. I attempted to explain to them that they were taking advantage of a consumer who could n't pay the car which was why the vehicle was repossessed. I offered them $ XXXX to pay off the file, which in my opinion is more than fair, but they declined my request. I have submitted all my financial information to Prestige Financial where it proves that I am in the red about {$500.00} a month. Prestige is now telling me that they will do no interest on the file if I have my employer do a voluntary wage assignment. I do n't understand why my employer has to get involved in my financial discourse with Prestige in order for them to rectify my account. I do not believe it is appropriate that I should have to disclose my financial obligations with my employer and/or co-workers and I have informed Prestige of how uncomfortable this situation makes me. The response I obtained was that, this solution, for my employer and I to sign a payment agreement, is the only option I have to rectify my account. I continued to stress to the representative, that I was more than willing to give her ( XXXX ) my checking account information so they can pull the money straight out of my account but she is declining and forcing me to go through my employer. Since I felt I was left with no other options, I disclosed the information to my employer and of course they have refused to get involved in my financial discourse. I am being told that the only way they can do this is through a wage garnishment. To top it off I am completely XXXX at work because now everybody knows my financial difficulties and one of the attorneys, at my job, heckles me over not being able to pay my bills. It is my belief that Prestige Financial has a culture or tendency not to call back consumers or answer their phone calls, in order to allow the debt to increase out of control with interests and fees, in order for them to obtain financial benefit. All I am asking for is to be treated fairly by Prestige Financial and not to be taken advantage of.
03/13/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MI 481XX	Web
XX/XX/XXXX, We ( spouse ) purchased a vehicle from XXXX XXXX XXXX in XXXX, OH. It was financed through PRESTIGE FINANCIAL SERVICES.I paid my loan relatively consistently until early XXXX. During the loan the vehicle was serviced numerous times, although it was under warranty in the beginning, it came to a point that the warranty expired and all repairs were out of pocket. The last time the car stopped on a busy XXXX highway. I had it towed home and could not afford to have it repaired again. It was just in the shop for repairs only 2 months prior to this incident. I called PRESTIGE and told them to come pickthe car up. I spoke with numerous people XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX just to name a few ... They kept trying to get me to pay even after I told them that I could not afford to continue to pay. they really put on the pressure. After a couple of months pass, I call them again to come pick it up, which they did with no problem. I received a letter shortly after telling me that they have possesson of the vehicle and the date that they would be selling the car in an auction in OH. That date for the sale was XX/XX/XXXX. I received another letter : EXPLANATION OF CALCULATION OF SURPLUS OR DEFICIENCY dated XX/XX/XXXX. It said the car was sold for {$7000.00}, there were costs that totaled {$810.00}. They intentionally left off a credit for GAP insurance. I ( we ) have been checking my credit report since XX/XX/XXXX to see when the amount that I owe Prestige is corrected. It is currently reporting that I ( we ) owe {$16000.00}. I have written Prestige, XXXX, XXXX & XXXX to dispute the amount owed. Prestige is reporting inaccurate information on a credit report, which is against FCRA. On XX/XX/XXXX, I ( we ) spoke with XXXX at XXXX EST at XXXX and questioned her about the incorrect information and the reason we were not credited for GAP insurance, she stated that my account had not been assigned to anyone yet and they could possibly be waiting on an insurance payment. I informed her that they were reporting inaccurate information and she could only say that it has not been assigned to anyone. I asked how long does it take to be assigned to someone and she said she did not know. She also told me that as of today XX/XX/XXXX my balance is now {$9600.00} because of per diem charges. I don't understand how you can charge per diem when you can not give me an accurate amount of what I owe, if you did not credit my account something that should have been credited? I asked if I could enter into an agreement to make lower payments on what I owe and she told me that I could always send in payments, but they can not say the bill has been satisfied until they get a XXXX balance. If I am correct, I ( we ) should have received a notice with the letter dated XXXX, XXXX cancelling the original contract. There has been ample time to correct this with the 3 major credit bureaus.
03/15/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA XXXXX	Web	Servicemember
XXXX has many errors on my credit report and it has been sharing my privacy information to companies that XXXX has business partnership. On XXXX credit report of XX/XX/XXXX they have somebody last four number Social Security # XXXX. That's not my last four. Also, Their investigations with the Derogatory remarks ofXX/XX/XXXX and past due of {$1600.00} is not correct. I didn't have no late payments for XXXX, XXXX or XX/XX/XXXX and in due of respect Prestige put those past due payments of XXXX on the back of the my auto loan # XXXX.As I had to support my family in XXXX with Medical illness, Medical Expenses and Funeral Expenses from XXXX till XXXX. I also had Medical expenses and Financial Hardship in XXXX and XXXX as my XXXX has put me in pains and tribulations. I had XXXX in XXXX with XXXX XXXX XXXX of XXXX, California and I am still having pains and, Medical Treatments with Prescribed Medications. On my XXXX credit report of XX/XX/XXXX there is many Unauthorize Hard Inquiries that I didn't give written or Verbal Consent to pull my credit. I marked all Unauthorized Hard Inquiries with wording and marking of Delete. XXXX Credit Report is provide it for evidence. Also, Prestige Financial Services hasn't updated my timely payments on my auto loan # XXXX as of XX/XX/XXXX and all my timely payments for my auto loan with Prestige has been paid with my XXXX Checking Account ending XXXX XXXX Report # XXXX for XX/XX/XXXX has many errors and inaccurate information. XXXX, needs to respectfully update my credit report immediately and also place my Prestige Auto Loan Account # XXXX to Current Status for XXXX, XXXX and XX/XX/XXXX and remove the derogatory remarks of {$1600.00} on my credit report of XX/XX/XXXX. Prestige Financial Services made a error also placing XXXX, XXXX and XX/XX/XXXX past dues of XXXX. Prestige agreement documents are presented to Consumer Financial Protection Agency, Federal Trade Commission and Department of Justice ADA Disability Civil Rights Act. I filed a ADA Disability violations and Discrimination and Retaliation against XXXX Financial Services with Case file # XXXX filed on XX/XX/XXXX. According to XXXX XXXX XXXX credit monitoring XXXX Credit Report the derogatory remarks of 30-60-90 days late has been removed and my credit score with XXXX is around 680. XXXX and XXXX hasn't removed the derogatory remarks on my credit report as of XX/XX/XXXX.My credit report with XXXX and XXXX has inaccurate information and errors for many years. XXXX, XXXX and XXXX and Prestige has violated my ADA Disability Civil Rights Act in which Discrimination and Retaliation has been implemented with Department of Justice. US Senator XXXX XXXX has been contacted on my issues with Prestige, XXXX, XXXX and XXXX. I am XXXX XXXX and Retired. Urgent Matters!
05/05/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	KS XXXXX	Web
I XXXX XXXX am writing this request due to incorrect reporting on my credit file. I went into XXXX XXXX ( XXXX XXXX XXXX XXXX . On XX/XX/XXXX b ecause XXXX XXXX , called my call phone and had told me that I had won a vacation from my last purchase. I was hesitate originally but I went in a few days later. I filled out the form for the " Vacation and booking ''. And then the next day I get a credit alert that I had applied for credit. I went back to XXXX XXXX . I then spoke with Owner XXXX XXXX and Co Owner ... XXXX XXXX . I was assured that this credit mark would be removed and that they would submit a dispute to you ; the credit bureau. Since XX/XX/XXXX I have n ot had any resolution with getting this unauthorized inquiry removed and deleted from my credit file. I have submitted this same kind of dispute to all XXXX credit bureaus and still no response. I have also attracted a letter signed and dated by XXXX XXXX that the credit pull o n XX/XX/XXXX and in XX/XX/XXXX wer e both unauthorized and should not have been pulled on my credit just for a promotional vacation offer. Also somehow my credit filled was pulled and my score was lower again on XX/XX/XXXX . T here was no explanation on how or why my credit was pulled this time either. I had n't even been into XXXX XXXX office since the last incident. I have attached a copy of the letters and also a re typed copy of the letter just in case it 's hard to read. I had to call the police because XXXX Attacked me trying to take the letter back after I threatened to sue him for ruining my credit report. I am asking that XXXX XXXX Inquiry be re moved My my cre dit file. As for I did not give the company permission to pull my credit file. They also submitted my credit information to XXXX other company 's without authorization or consent. Including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX , MN XXXX The inquiry was submitted on XXXX XXXX and on XX/XX/XXXX w ithout authorization or consent. 2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , PA XXXX The inquiry was submitted on XXXX XXXX , XXXX and again o n XX/XX/XXXX . Both without authorization or consent. 3. Prestige Financial Se rvices XXXX XXXX XXXX XXXX XXXX XXXX XXXX , UT XXXX The inquiry was submitted on XX/XX/XXXX and again on XX/XX/XXXX . Both without authorization or consent. 4. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TX, XXXX The inquiry was submitted o n XX/XX/XXXX Without authorization or consent. 5. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX The inquiry was submitted o n XX/XX/XXXX . Both without authorization or consent.
04/09/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	MD 20770	Web
I purchased a XXXX XXXX XXXX in XX/XX/XXXX from XXXX XXXX XXXX in XXXX XXXX, MD and was financed through Prestige ( XXXX XXXX XXXX XXXX, XXXX, UT XXXX ) in the amount of {$27000.00} when the car was 4 years old. XX/XX/XXXX I started having major mechanical troubles spending close to {$3000.00} to repair. After having all of the repairs done the car would still cut off while driving so I decided to try to trade the car in XX/XX/XXXX. When I went to the XXXX dealer the finance manager who assisted me told me that the car wasn't even worth {$5000.00} and reviewed my payments for the car and stated as of XX/XX/XXXX I have made over {$30000.00} in payments and with my 72 month loan the car should be paid off or close to being paid off. At that time my credit report indicated that I had already made 65 payments and documented once in XXXX that I had a payment over 30 days late. My payments were supposed to be {$590.00} a month. However, my account manager XXXX XXXX allowed me to make payments in the amount of {$540.00} a month plus a {$10.00} processing fee to bring my payments to {$550.00} a month. The finance manager who was helping get into the new car stated that I still had over a {$14000.00} balance which is an indication of predatory lending. He advised me that it would be in my best interest to request all of my original loan documents along with a break down of where the payments are going because he felt my interest rate had to be over 24 % which means the payments are going mostly to the bank and not the loan. He indicated that I would actually never really pay off the loan. I went ahead and purchased the new car because I needed a reliable car for my kids and I. On XX/XX/XXXX I sent a letter to prestige auto requesting they pick up the XXXX XXXX ( voluntary repo ), send me the original loan documents, and a break down of payments made so far so I can have my loan investigated. I also, asked if we could come up with a FAIR settlement because the car wasn't worth {$14000.00} and I had already paid over {$30000.00}. The finance manager stated with his calculations even with late payments and deferments I still would not owe over {$14000.00}. My 1st request was sent on XX/XX/XXXX to no avail. They finally picked up the car on XX/XX/XXXX. I sent a 2nd request on XX/XX/XXXX to follow up on my document request but to no avail. I sent both request via priority mail so I do have confirmation that both letters were delivered. I mailed everything to the P.O box address that they have listed for written correspondence. I requested everything sent through the mail. I do have standing cease and desist request placed on my file because they have harassing collection practices.
01/15/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	IL 60016	Web
XX/XX/2021 I decided to voluntary surrender the car back to Prestige Financial spoke with XXXX XXXX and advised her that it was the best decision to give the car back because it was upside down XXXX and no one would accept the trade in. I understood what what happen and she said someone would ge back to me. XX/XX/2021 - received threatening calls again from XXXX XXXX in regards to voluntary surrendering the vehicle again. I stated to her that please come and get the car so we can resolve the issue XXXX I received an email from Prestige XXXX XXXX starting that she had not heard from me in regards to the vehicle. Which was not true we were emailing back and forth since XX/XX/2021. I stated to her that we already had discussed the matter and my decision is final, the sooner we resolve the issue we can move forward. XX/XX/2021 I received an email from XXXX XXXX in regards to surrendering the vehicle and he apologized for being out of the office since XX/XX/2021 and he stated that he would send me the paperwork to sign for the voluntary surrender XXXX I received an email from XXXX XXXX stating that they received the paperwork and they will get the voluntary surrender over to the repossession department. XXXX I don't know the exact date but someone came and picked up the vehicle I gave them the keys and they stated that someone would get back with me from prestige financial as soon as the car has been sold and they would tell me what I owe and how to go about setting payments up with the balance left remaining XXXX I filed a dispute with the credit bureau in regards to how they put the incorrect information on my credit and I sent in the copies of the emails back and forth with prestige XXXX prestige updated my account online stating that the charged off XXXX and past due XXXX and I tried to get an updated from prestige on the phone and no one ever called me back or sent anything in the mail. XXXX I spoke to XXXX XXXX and she said she no longer could speak to me and that I would receive something in the mail in regards to the selling of the vehicle and what amount I would owe. XXXX I receive a summons from XXXX and XXXX in regards to Prestige Financial stating that I would have to appear in court in regards to the vehicle. I never received anything from Prestige or XXXX and XXXX in regards to owing a debt no one ever reached out to me in regards to the debt. XXXX I tried to make it to the court house which was an 1.5 away from me and I got there at XXXX and court was over for a XXXX court call. A default judgement was paced on me and I tried to call XXXX and XXXX and no one ever returned my call.
02/25/2019	Yes	Debt collection Auto debt	Communication tactics Frequent or repeated calls	WA 98671	Web
I purchased a XXXX XXXX XXXX and financed it through Prestige Financial. I had just come out of bankruptcy and lost my other car in the BK. I had very limited choices on finance companies to get a loan from. My interest rate is very high, but I accept that due to my credit score. From the very first payment in XX/XX/XXXX, I began getting phone calls, texts and emails on the day my payment was due and they continued repeatedly sometimes two to three times a day until the payment was made. My account was never over 5-10 days late. However, I was threatened with being turned over to collections, etc. They even called my father and my daughter which really upset them. Due to poor health, the loss of my job and death of family members and other hardships, I have been late on my payments, but never over 30 days. However, the harassment would continue and the threats became increasingly more hostile. When my father in law died in XX/XX/XXXX, I had to fly to XXXX, Texas from XXXX, Oregon to attend the services. I was not financially prepared for this sudden expense. I fell behind on the payment. I received call after call and numerous text demanding an explanation as to why I had not responded. I advised that I was grieving the loss of my dear father in law and did not appreciate the harassment. They apologized but demanded a payment arrangement. I made one just to get them off the phone and stop harassing me. I was still in Texas and did not want to deal with this. I had just lost my mother a few months before. I have been in ill health and have told them so. Regardless, theyre relentless in their harassing communications. I am well aware of my financial obligations and do not need to be harassed like this. I filedmy bankruptcy due to medical bills. I financed a car as I need reliable transportation. I have to set up payment arrangements with them even when I dont have the money or they wont stop the calls and the texts and emails and calling my family members. The most recent harassing communications came today, XX/XX/XXXX due to a failed payment arrangement. Again, I had to make one so they would stop bothering me. I have made all of my payments on the vehicle, albeit late. However, I have not been 30 days late and I pay a late fee each time. I am requesting the communications cease immediately and contact me only if I should run 30 delinquent. I am usually no more than 10 days late. I have received these unwanted communications every month starting on the day the payment is due, the XXXX of the month until it is paid. This has been going on Since XX/XX/XXXX. Sincerely, XXXX XXXX
08/15/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	OH 45011	Web
I bought this car with my ex husband back in XX/XX/XXXX. 2 years later we got a divorce and the car was rewarded to me in the divorce leaving my solely Responsible for the debt thereon to prestige and or any payments which may Become due for the use operation and maintenance or financing of said vehicle and shell hold her husband harmless from any of the cost there on. That statement was directly quoted from the divorce papers. That statement has never happened. I have tried many times to make it possible to make me and only me solely responsible for the vehicle even though I have been the only one to pay the payments, maintenance and tag renewal of the car. The current situation I am in is I have moved stages, from XXXX to XXXX, where I am currently trying to get the car titled. The issue that I am having is that the state is stating that he has to be present or sign a power of attorney paper, which he is refusing, for me to be able to transfer the vehicle. Due to the information in the divorce decree, this statement should not apply to my situation. The car company i.e. the loan company, has stated to me that not only is the divorce decree invalid in regards to getting this information changed but will not be changed even if the car is paid off. With this being said I am now unable to get the car licensed tagged and or updated in regards to the tags for the state of XXXX. I am unable to do this because of them being unwilling to follow the divorce decree which has been filed and processed to the state of XXXX. Along with the information stating that I am financially responsible there is also information in divorce decree that states, the husband shell execute any title or transfer documents, if necessary, pursuant to this agreement.. Based off of the last bit of information that I was informed of, my ex-husband is still getting information from this company, prestige, about every payment I have made from the time of the divorce thats up until the most current. I have recently tried to contact the car company to ask for any and every advice they might have. I have called on : XX/XX/XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XXXX. I have received no responses from the attempts I have made to the loan company. I now have expired tags that I can not update due to him having to be present, or sign the paper he refuses to sign, and has me unable to XXXX by state laws. I would just like the car to be solely mine like the court order states so I can transfer the car and move on with my life.
07/24/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33511	Web	Servicemember
Dear CFPB, Hello sir or ma'am, I am asking for your help to investigate Prestige Financial Services, located in XXXX Utah for violating the Servicemember Civil Relief Act ( SCRA ) after illegally repossessing my vehicle without a court order. In addition to that, they were supposed to lower interest to 1 % ( Exhibit A ). The only reason this account was in default is that they never updated the loan to reflect 1 % or the new banking information I provided them. A few weeks later I had to transfer from XXXX XXXX to XXXX XXXX, stopping in between to attend a military training course for several months in XXXX XXXX. During that entire time, nobody reached out to notify me by phone or mail that the vehicle was at risk of being repossessed. The only notification that was sent to me was an email the month prior, which I didn't receive due to being in NY visiting family for XXXX. Even in that overlooked email, it did not say anything specific about repossessing the vehicle. ( Exhibit B ) It wasn't until a month later when Prestige Financial Services committed the most unethical and indecent act imaginable on the evening of XX/XX/2016. They intentionally violated my entire family by coming on private property in a double gated community without any warning and illegally repossessed our minivan without the decency of allowing me to get my belongings or all my kids XXXX gifts my wife had hidden inside, completely ruining XXXX for my XXXX young children who did nothing wrong! That is when I discovered the email sent the month prior and responded immediately notifying them that they were in violation of the SCRA. ( Exhibit C ) It wasn't until several days later when they finally contacted me back. I was told that I would have to pay {$500.00} to get my belongings back, which at the time we couldn't afford after having to re-purchase all the gifts for my children after XXXX when the stores opened up again. We never got our belongings back. After everything they did to violate us they are still damaging me by reporting inaccurate negative information on my credit report. I have sent them proof multiple times that the repossession was done illegally and it violated federal law under the SCRA but they still refuse to fix their mistake and won't remove this account off my credit report. I was advised by the XXXX Legal office on base to contact you after they saw what was done to me and agree that this company should be investigated to the fullest extent for their business improprieties.
08/22/2023	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	GA 30318	Web
This was honestly about 10 maybe 11 years ago. I had a car that was repossessed by Prestige Loan company they are located in Utah. I had the car for about a year or so and then as a XXXX my job became really slow. Some days I would bring home XXXX $ and I was taking care of my children by myself with no real help from their father. It became so bad that of course I could no longer pay for the car so tgey repossessed the car. They came to my job to let me know they were repossessing it. Maybe a month later they continued to harass me for the remainder balance left on the vehicle. Which I didnt have I was barely making rent in fact I was soon evicted from the apartment that I was in when they took the car which was around XXXX. They took me to court where they asked for mediation where there was a judge who told them I didnt have the money. Then we went to court again and they were told I didnt have the money. So now 10 years later Im getting letters in the mail from lawyers saying they want to represent me because Im being sued by Prestige. They would be suing for no money after 10 years? So now this is where I really want to express myself as a consumer. I am still taking care of my same XXXX kids XXXX and now I have an ill elderly parent. Inflation has got me. I am barely paying my rent and my electric bill has been ridiculous and everyone works most of the time. I cant even afford to take care of my own failing health with XXXX XXXX. I have XXXX XXXX that I has been expensive but I cant do everything that needs to be done because its unreal how expensive that is. When my children have any health problem we go to the XXXX XXXX but we never really find out whats wrong. So this Prestige loan company after 10 years meaning this has been off my credit for a while. Also this is harassment for a debt that is 10 years old. The fact that they are even able to come back to someone after 7 years has passed is so ridiculous. I keep questioning is that even a law anymore and everyone keeps saying it is a law. These people from Prestige are predatory in their collection practices and I cant afford to to do any thing about this. Is there any unfair collection practices happening with this? I need your help. I talked to the FTC and they told me to contact you and make a complaint and still file one with them afterwards. I can not afford to pay them anything. I dont have any paperwork from that but Im sure the case is still showing from when we were in court 10 years ago.
07/12/2017	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	VA 23462	Web	Servicemember
I have had an auto loan with Prestige Financial since 2013 and everything was going great until I was in an auto accident and the car was a total lost. I contacted the lender and spoke with XXXX who advised me that we had Gap insurance ( I knew I purchased it when we bought the car ) which should take care of the amount left after the insurance payment was made. The accident was almost two months ago and the Gap insurance has not kicked in yet. XXXX XXXX ( who by the way is very nice ) contacted me today and when I called back I spoke to XXXX # XXXX, he was very rude to me. He started saying that I have a contract on this loan and I need to pay it and Gap is not going to pay all of it because of late fees, that I was never advised of, and return check fees from years ago that were never mentioned to me nor did I ever receive any communication regarding. I do not have any checks, everything was done electronically through auto draft. I advised him that I would not be in this position if the car was not totaled and I had been making my payments monthly and was in constant communication with them. He again was rude and did not care about why. I told him that I will let my lawyer handle this because this does not seem fair. He said well this is not going away and why do you have a lawyer, are you suing us. I told him that the lawyer is due the accident. He said well, this still is not going away and you need to pay. I know that it is not going away no one ever said that. I told him that I have another car that I am paying on and can not afford to make a payment today. He was still rude and asked me again why do I have a lawyer. I was not going to entertain his rudeness so I did not answer and asked him why he was being rude to me. He said well you are under contract and you need to pay. I made a payment to them last month even though the car was totaled and now they want another payment. THIS IS UNFAIR TO ANY CONSUMER WHO DOES THE RIGHT THING AND PURCHASE GAP INSURANCE TO PROTECT THEM FROM HAVING TO PAY A BALANCE IF THERE WAS A TOTAL LOST ON THE VEHICLE. the bad thing is that this is their gap insurance and I do not understand why it is taking so long to finish the claim. I was never provided the Gap company name and number for me to follow up on the claim and Prestige has never provided it to me. I have not missed a payment since I have had the loan with them. I have paid every month. I do not deserve the unfair treatment when this is not an issue that I created.
10/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IL 60617	Web	Servicemember
My experience with Prestige has been terrible even though my car loan was current for the last 60 months of my car loan. I experienced late payments with Prestige as early as XX/XX/XXXX due to being unemployed. I was able to get back on track and kept the payments current until it was paid off in XX/XX/XXXX. I paid all of the high interest and even at the end of my loan in XX/XX/XXXX I still owed {$5600.00} which I provided them with a check and paid the car off. Prestige had not reported a late payment any late payments since XX/XX/XXXX. Well that all changed when I paid off my car loan. Here are the chain of events. Account opened XX/XX/XXXX XXXX date of delinquency reported by Prestige Financial Services XX/XX/XXXX Account brought current XX/XX/XXXX and never reported late again by Prestige Financial Services to any credit bureau Loan paid in full at the end of loan XX/XX/XXXX total paid {$5600.00} XXXX XXXX Prestige Financial Services update my credit reports with updated information regarding my account status. Status updated by Prestige DEROGATORY PAID WAS 90 DAYS PAST DUE Credit Bureaus have since updated my account as Negative with a late payment made in XX/XX/XXXX with an anticipated removal date of XX/XX/XXXX Why is Prestige Financial Services allowed to report negative information in my credit file once I pay my loan off in good faith? Why is this company allowed to report negative information from XX/XX/XXXX until XX/XX/XXXX? How is derogatory information being reported for longer than 7 years? I have contacted Prestige and have encountered unhelpful employees and it turned out to be a horrible experience. As a consumer who has paid their loan off in good faith, why am I having to deal with this? Why hasn't Prestige removed the information from my credit file all together when the loan was paid off in XX/XX/XXXX? I have been disputing this information for a year with countless of letters to the credit bureaus and emails to Prestige with no resolution. It will be 7 years in XX/XX/XXXX in which this company would have been reporting derogatory information on my credit report regarding this loan. There is no reason for a company to add negative information to someone's credit file after the loan is paid in full. This is unfair practices and my last final recourse will be a civil suit if we can not come to a resolution and have the account removed all together. How is this action by Prestige legal or even moral for that matter?
07/14/2017	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	TX 78634	Web	Servicemember
As filed various complaints against Prestige Auto Loans it appears that this company does n't want to restructure or lower my high interest rate of 17 % and {$440.00} and {$480.00} .Prestige administration and business partner XXXX XXXX XXXX XXXX XXXX , Texas and staff stated that I did n't have a problem in addressing on high car payment and high interest rate. I have a VA Mortgage payment and home expenses and why would n't address high interest and high payment on a car loan? I am XXXX and Retired and with a fixed income, if I was working and having a decent salary, than the picture of affordability changes. Prestige and XXXX XXXX XXXX lures citizens and Military Veterans with bankruptcy and disadvantage credit and promise them that their high interest rate and car loan monthly payment will be lower. Prestige special program in lowering your monthly payment and interest rate, is that a consumer give their bank information and have a bank draft so every month, your checking account be debited and company receives their money. If a consumer is paying their car loan on time each month for one year, why does he or she has to give their bank checking account information to get the benefits in interest and high payment reductions? Prestige stated if I do n't do their schemes I do n't get nothing and keep paying high loan payments and high interest rate.Prestige also stated that I file complaints to get over on them? How can I get over on them if I have a high loan car payment and high interest rate of 17 %? Prestige is a company that makes billions of dollars and they do n't have a Financial Hardship like I have. How many Consumers, XXXX Citizens and Military Veterans filed complaints against Prestige and XXXX XXXX XXXX for giving them promises and lies on their loans and vehicle purchases? Prestige is going to keep getting away with unlawful Federal Consumer Violations and taking advantage on hardworking american that has disadvantage credit and Bankruptcy on their credit report. A mounted of {$880.00} is going to be added on my XX/XX/XXXX loan payment and Prestige is going to start putting a repossessions collections on my credit report with XXXX, XXXX and XXXX. Why did Prestige and XXXX XXXX XXXX approve a vehicle loan if I was going through a bankruptcy chapter XXXX on XX/XX/XXXX? Federal Judge of XXXX, Texas Discharged Bankruptcy on XX/XX/XXXX. I made my first Prestige Loan payment on around XX/XX/XXXX or XX/XX/XXXX.
06/15/2019	Yes	Debt collection Auto debt	Communication tactics Frequent or repeated calls	FL 34205	Web
On XX/XX/2019 At XXXX a representative ( XXXX ) from Prestige financial services called regarding my XXXX car payment which is 9 days late. I told him that I would not have a payment until XX/XX/2019. I usually make my payments at the beginning of the month. My previous payment was made on XX/XX/2019. I told him I usually pay before the payment becomes 30 days past due. He said that it was not possible to make arrangements and that I would need to make arrangements for sometime in the month of XXXX. He said books close at the end of the month. He asked why I did not want to pay my bill. ( I want to pay my bill but I do not have the funds until XX/XX/XXXX ). He said that I owed 2 monthly payments because of past due payments. I asked him to clarify that I owe $ XXXX, and he said it was due to late fees. He continued to talk over me. When I checked on my online account, I am only 9 days late and owe {$430.00}. I told him that I would only make a payment on XX/XX/XXXX, and I could not do anything before. He said that it is a possibility that my late payment would be reported to the credit reporting agency prior to 30 days. I told him that I have not been reported before even when I was 29 days past due, and he said that it was still a possibility. I told him that I will make a payment when I am able to. I told him to have a good day and I said goodbye, then I hung up. At XXXX, 2 minutes after I hung up, I received a call from a female representative ( Virginia ) from Prestige Financial services. I let her know that I just hung up on the previous caller from their company. She said she was calling to make an arrangement on my payment. I asked for her employee number and she said she was only able to give me her extension number which was XXXX. I told her that they were harassing me because I hung up on XXXX and they called me right back. I asked to speak to a supervisor. She put me on hold for a about a minute and said that because of the time, which her office was about to close, there was not a supervisor available to transfer, and that a supervisor would call me back. I told her that I did not want a call back and that I wanted to wait for a supervisor available. I told her I would not get off the phone until a supervisor came on the line. She said that I could not speak to a supervisor and she hung up on me. I received another call on XX/XX/XXXX at XXXX pm but no voicemail was left.
08/19/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MD 20715	Web
This letter is regarding account # XXXX with Prestige Financial Services, which you claim my account was Charged Off with a balance of {$8300.00}. It is reporting incorrectly on all 3 Credit Bureaus ( XXXX XXXX and XXXX ) This account should not be on my credit report at all. I am a Deputy Sheriff and this is affecting my ability to get a mortgage amongst other things. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was current. Please also be aware that any negative mark found on my credit reports ( including XXXX XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. -- Very Respectfully, XXXX XXXX
05/13/2015	Yes	Debt collection Auto	False statements or representation Attempted to collect wrong amount	CO 80922	Web
I purchased a XXXX Toyota Camry in XXXX with gap insurance for {$15000.00} using Prestige Financial. I became diligent for a few months when I lost my job and started a repayment plan. They had called all my family, my work, they threatened me by telling me I would go to jail, etc. Until I requested that we only communicate through email. It got better and they were set up to have direct deposit come out of my check as then they contacted a friend a few weeks after receiving my payments that they were to repo my car. It was actually in the process of being shipped from XXXX to XXXX where I picked it up and drove it to XXXX. After a few months and continual harassment, even though they were getting their payments, the vehicle was acting up and the engine started on fire where the insurance deemed it to be totaled. After 2 years of payments of $ XXXX/month and then the insurance paid prestige financial directly of {$9900.00} for the total loss, they have now garnished my wages and I received the paperwork that they are garnishing for {$14000.00}. This is totally wrong, I had GAP insurance, I had paid {$10000.00} in payments over the course of 2-3 years and then the insurance company paid them {$9900.00}, which is a total of {$20000.00} for a vehicle that was only purchased for {$15000.00}. I have all my emails, gap insurance, insurance from XXXX XXXX XXXX, and payments history that they received from me. I also have several people and family member that they call and harass all the time, making threats, and even calling as an attorney to coarse them into having me call them when I have directly stated that they can only contact me via email so I can keep a record. Now most importantly I am having to pay for this vehicle for a XXXX time because they lied about the amount owed. They have used and abused their power. The paperwork I received from payroll states that they served me and I have never been served from them and would request that they show documentation of being served. If I would have been served for this I would have went to court with all my documents to defend myself against their harassing and unethical behaviors. I would appreciate any assistance or help in finding a way to dissolve this issue and bring it to justice. Thank you for your time and attention in this matter and look forward to hearing from you. Respectfully, XXXX XXXXXXXXXXXX
09/01/2017	Yes	Debt collection Auto debt	Threatened to contact someone or share information improperly Contacted your employer	KY 41018	Web
I am 7 days late paying my car loan. A vehicle I 've had for over a year and never made a late payment on since I obtained the vehicle. I had numerous conversations via phone, text and email explaining to Prestige Financial that I would be paying my loan on XX/XX/XXXX they offered a payment arrangement in which I was unable to take and I informed them again that I would be making this payment first thing on XX/XX/XXXX when I got paid. I went thru this with them everyday about 3 or 4 times a day for 5 days straight. I even at one point asked about their grace period and they said well yes there is one but that only pertains to the late fee we add if you are more than 10 days late ( is n't this all the same thing ). At one point a gentleman with the company informed me that they were closing there books on XX/XX/XXXX and they have standards to meet as a company. Which I understand because I used to be a debt collector myself we had percentages and standards we had to meet each month as well. But, were also trained that if someone is within a grace period and they say they are going to make their payment before that grace period is up that we do n't continually harass customers with phone calls and we definitely do n't call the customers work after we 've had numerous conversations w that customer and they 've stated when they would be making their payment. We also never threatened them with management, ruining their credit or other offensive things which is exactly what these people did with me. They called my husband 's work and when we asked them not to do this and when I told them that I had numerous conversations with them explaining when I would make the payment I was told that this did n't matter and they could legally call who they want because we signed a legal contract. I was threatened with management which would further their collections w me, I was threatened with this ruining my credit and I was harassed non stop for days with phone calls, texts and emails. Furthermore, the day they called my husband 's work was 1 day before I had scheduled to make my payment with them. I have seen numerous complaints on this company for the same things I 've listed here something needs to be done.
06/29/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	TX 75013	Web
I am writing to file a formal complaint against Prestige Financial Services Inc. regarding the illegal repossession of my XXXX XXXX XXXX, which occurred on XX/XX/XXXX. I believe that Prestige Financial Services Inc. violated the terms outlined in my consumer credit contract, as well as federal regulations, specifically 16 CFR 433.2 ( b ) and the Federal Trade Commission Holder in Due Course Rule. Presige was sent certified corespondence by mail detailing the violations and asking them to provide specific information as well as cease and desist. Prestige instead ignored the written corespondence in its totality, then proceeded to knowingly and willingly continue to violate by participating in the unauthorized sharing of fraudulent information with third party credit reporting agencies. Violation of 16 CFR 433.2 ( b ) : According to 16 CFR 433.2 ( b ), " The creditor shall not engage in conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. '' I believe Prestige Financial Services Inc. violated this regulation by utilizing an unauthorized third-party towing company, XXXX XXXX , to repossess my vehicle without proper authorization. Violation of Federal Trade Commission Holder in Due Course Rule : As a holder in due course, Prestige Financial Services Inc. is required to adhere to the Federal Trade Commission Holder in Due Course Rule. This rule stipulates that a holder in due course must ensure that all aspects of the repossession process are conducted in a legal and compliant manner. By employing an unauthorized third-party towing company, XXXX XXXX , to repossess my vehicle, Prestige Financial Services Inc. has failed to fulfill its obligations under this rule. Incident Description : On XX/XX/XXXX, my vehicle was unlawfully repossessed by XXXX XXXX on behalf of Prestige Financial Services Inc. Neither XXXX XXXX nor Prestige Financial Services Inc. had obtained proper authorization or provided me with a notice of intent to repossess as required by law. The repossession took place without any prior communication or warning, and it was conducted in a manner that caused unnecessary distress and inconvenience.
11/05/2019	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	AZ 85345	Web
XX/XX/XXXX Car payment is due however I was out of the country due to a death in the family. During the time I was gone I received multiple text messages to my telephone. I receive text and telephone calls multiple times per day. No bill in the mail. XXXX Your XXXX payment is now 4 days past due and we don't have anything scheduled! XX/XX/XXXX You are 5 days delinquent. XX/XX/XXXX account past due XX/XX/XXXX Contact Prestige to get your XXXX payment scheduled ... XX/XX/XXXX XX/XX/XXXX Your account is now in active collections. we must have your arrangement secured immediately. The longer you wait to pay the more money you are adding to the loan ... XX/XX/XXXX Prestige is a second change lender. XX/XX/XXXX Is there a problem ... XX/XX/XXXX We are running into a pretty substantial problem ... XX/XX/XXXX If there is a problem or you need help with arrangement or a reduced payment ... XX/XX/XXXX You have options including a reduced payment ... XX/XX/XXXX I would rather keep this between you and I but collections efforts continue unless I can show that we are working .... XX/XX/XXXX sorry but if you aren't going to make these payments I can not help ... XX/XX/XXXX I am sorry but if you aren't going to make these payments ... I can not help this is your transportation and should be a priority .... XX/XX/XXXX Normally your account is paid by now ... XX/XX/XXXX I you are struggling I have options ... XX/XX/XXXX You have put this off until the very last day and now we only have a few hours to resolve the delinquency. XXXX Effective today your contract with Prestige has been forwarded to XXXX in Collections due to non payment .... I returned to the US on XXXX when I went through my mail I did not find a billing statement. Also I have been making payments of {$370.00} monthly for years but my balance is higher that the original balance. I think Prestige is stealing from customers and they threaten instead of allowing clients to pay off their vehicles. The more they threaten the more they charge and the accounts never get paid off until they repo the cars making them more money. Its a horrible unethical company and I wish I never purchased a vehicle through them.
05/09/2018	Yes	Vehicle loan or lease Loan	Getting a loan or lease Changes in terms mid-deal or after closing	ID 83646	Web
XXXX XXXX XXXX XXXXXXXX XXXX & their affiliate finance company, Prestige Finance. XXXX XXXX purchased around XX/XX/2016. After filing for bankruptcy due to a divorce, I had to turn in my vehicle. I went to XXXX XXXX XXXX as they are one of the companies that claim to specialize in " credit challenges '' such as this. The salesman assured me if I just keep the vehicle for a year they could get me back out of it and into an SUV like I had wanted since the vehicle was a XXXX and would hold its value better than an American made vehicle. Prestige Finance has been engaging in Predatory Lending and targeting Borrowers who have limited options to due credit challenges and/or bankruptcy. They charge much higher interest because of the credit challenges. I expected this, however, they DID NOT disclose all of the loan terms when I signed paperwork. And recently I learned my loan has a fluctuating interest rate, and several of my payments went 100 % to interest and not a dime went to principle. My balance has not gone down for several months. It has actually GONE UP. Which means this loan has negative amortization, an adjustable rate, and would not be able to be paid off by the term agreed upon ( I believe it was a 6-year loan ) without a balloon payment. I have worked in finance/mortgage business for over 15 years so I am well aware of deceptive and predatory lending practices and I told Prestige this, and that I will not continue to throw money away on this loan. I also have NOT been able to trade the vehicle in like the Salesman assured me I could. I've tried for over a year straight. There is $ 5-7k negative equity, especially since my balance hasn't gone down. I've recently had a baby so we now have a family of XXXX and can't even fit my family in the car, or a stroller. So not only has this left me in a difficult financial situation, but I've also been paying for a car that I can't even use. They also would harass me every month beginning the day before the payment was even due. Three times daily at a minimum. A phone call immediately followed with a text message and an email about my payment being due.
05/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77082	Web	Servicemember
Prestige Financial Services is consistently and intentionally furnishing inaccurate and incorrect information to the consumer reporting agencies against me. I began to notice the inaccurate reporting in XX/XX/2022. I submitted disputes to all three credit reporting agencies. It is now XX/XX/2022 and I am tired of the aggravated identity theft, invasion of privacy and the hostile nature of which I am being treated. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. The inaccurate information reporting on my consumer reports include Prestige Financial Services reporting the following inaccuracies : Incorrect account numbers, inaccurate account types, differences in account detail/type, date last active was different, differences in date last reported, comments differed, differences in balance, ect. This is out of compliance pursuant to 15 U.S.Code 1681e I have proof of intentional and inaccurate reporting MULTIPLE times a month. This is harassment, and abuse. Prestige Financial Services is causing me tremendous financial harm, I have documented proof of inaccurate reporting across XXXX, XXXX and XXXX. I have submitted the following complaints against Prestige : CFPB complaints ( XXXX ), XXXX Complaints, I have submitted Attorney General complaints for both Texas and Utah. Prestige Financial Services continues to violate my consumer rights with willful noncompliance which is a violation pursuant to 15 U.S.Code 1681n ( a ) ( 1 ) ( a ). These are violations of my consumer rights.The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. The inaccurate reporting has damaged my livelihood.
10/05/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	MD 207XX	Web
I made arrangements for my vehicle payment to be deducted from my bank account XX/XX/XXXX. I noticed when I checked my bank account that the item was returned. I then went online and made the payment XX/XX/XXXX using my bank card. The message I received online from Prestige Financial advised that the payment would post to my account XX/XX/XXXX. I received a text message XX/XX/XXXX from Prestige advising that my account was 31 days late and that I needed to make a payment. I contacted Prestige and advised that I had already made the payment. They advised that it was not posted until today XX/XX/XXXX so I was being reported for being 31 days late to the credit bureaus. I advised that this was not fair as the message I received when I made the online payment advised that it would be posted XX/XX/XXXX at which time I was only 28 days late. The person also advised that I made the payment on Saturday and that there was no one there to post the payment. I advised that this was not my problem, but now thinking back the payment was made on Friday XXXX and my receipt advises that the payment will be posted XX/XX/XXXX. I should not have to dispute something with the credit bureaus and is incorrectly reported to start with. I have had a problem with this prior as I have been reported 30 days late two times XX/XX/XXXX. I 've requested to have this information in writing on several occasions but have been advised that this could not be done. I finally did get an email advising of two months that had been reported. After reviewing my credit report they are not reporting the same months consistently with the bureaus. I feel that those months should not be reported as well as those payments were made but was posted to their account a day or two afterwards. I have disputed this information with the bureaus and have not successfully got this resolved. I feel that the two late XX/XX/XXXX needs to be removed from the credit bureaus as well. The FCRA requires that information is reported and reported accurately and must be resolved in a timely manner. I have been disputing those for over 8 months.
07/21/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	LA 70802	Web
I entered a consumer credit transaction with this organization and extended them my credit and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which constitutes fraud, the alleged interest not included in the finance charge ( sum of all charges ) Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that they claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. they have taken an unfair advantage of me as a consumer, and they should be held accountable for deceiving me and not validating the debt. They have not validated anything ; they have ruined my character and general reputation by reporting erroneous information on my consumer report and included a symbol on the contents of the envelope for the mail carrier or any person affiliated with the mail service or comes in contact with the envelope thats alleging I owe a debt. Theyve act as if they are unaware of what I am requesting or that the law does not apply to them and I've included evidence and proof, pursuant to federal law with facts that prove that the law does apply to them and that they must adhere to them. They have not provided me with any original documents, and they have disregarded the law by saying, they do not have to provide me with anything except billing statements or applications, which is not proof of validation or proof that I owe anything. They are also claiming that they must report information to the credit bureaus, however cfpb handbook 3.1.1 furnishers incentives and decentives states- reporting to credit bureaus and other consumer agencies by creditors is voluntary and historically has been. Furnishers have multiple incentives to contribute data to XXXX one of which is for borrowers to make timely repayments. Their willful non-compliance has damaged my reputation as well as my credit file.
06/05/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	MD 21218	Web
On XX/XX/XXXX, I entered into a contract with Prestige. On XX/XX/XXXX the vehicle involved in an accident. On XX/XX/XXXX, XXXX XXXX XXXX assumed responsibility for the accident. XXXX totaled the vehicle out under claim XXXX. On XX/XX/XXXX, I provided XXXX XXXX with information for my GAP and also contact information to cancel the warranty that was purchased for the vehicle. On XX/XX/XXXX I received an email from XXXX XXXX advising that they has released a check for Prestige and that they should receive it within 7 days. On XX/XX/XXXX, Prestige received a check from XXXX in the amount of {$16000.00}. They also received a check on XX/XX/XXXX in the amount of {$3100.00} from my GAP insurance. After the application of the Insurance payment from XXXX and the payment from GAP, that left a balance of {$1300.00}. On XX/XX/XXXX, I began receiving emails from XXXX XXXX at Prestige. I again informed XXXX that a claim had been submitted to cancel the extended warranty and those funds would be coming from the auto dealer and that it would cover the balance. After going back and forth with the XXXX XXXX XXXX and Prestige, I contacted the extended warranty company myself on In late XX/XX/XXXX and submitted the claim that both claimed to have made. The claim was approved and payment was refunded to the XXXX on XX/XX/XXXX in the amount of {$1300.00}. XXXX XXXX XXXX did not send the payment to Prestige until XX/XX/XXXX. During this time, Prestige began charging me interest on monies that was confirmed to be refunded. Once the refund from the dealer was applied, the balance on this account was {$10.00}. I never received a bill for the balance of {$10.00}. Prestige submitted to the Credit Bureaus, stating that the account was charged off and had no history of on time payments which has hurt my credit. They have also reported that the balance is {$180.00} which includes the balance of {$10.00}, interest in the amount of {$150.00} and fees in the amount of {$18.00}. On my XXXX credit report it shows that this account was closed on XX/XX/XXXX which is before I even had this account.
01/01/2016	Yes	Debt collection Auto	Improper contact or sharing of info Talked to a third party about my debt	AZ 85295	Web
RE : XXXX XXXX ( XXXXXXXXXXXX ) We have multiple complaints regarding this company, but the main one of concern is the use of other parties to contact us on behalf of the company. I personally have sought to find remedy to this issue with the agents that contact us directly, yet have found no resolution, nor have I had any contact regarding this issue since I made a request for more information surrounding our current balance and explanation as to who the third party in question is. I was a joint debtor on an auto loan ( acct. # XXXX ) through PFS until we voluntarily surrendered the vehicle XX/XX/XXXX. On XX/XX/XXXX, my husband, XXXX XXXX XXXX, received correspondence from a party named " XXXX XXXX '' via the social media website XXXX regarding the auto loan, asking us to contact XXXX XXXX of PFS. XXXX XXXX, a collections representative for PFS, found it acceptable to use a third party unrelated to PFS ( XXXX XXXX ) or ourselves to contact my husband regarding the vehicle on XXXX. I have proof of the correspondence between this party and my husband that I 've only recently discovered. We no longer have the car, and have been asking for statements as to how much we owe on the vehicle. We have not received the statements that we have been asking for, and have paid {$300.00} a month since XX/XX/XXXX per an agreement with PFS. According to PFS, we still owe approximately {$8000.00} left on our installment agreement. PFS and its agents are blatantly ignoring all requests for information. In addition to this, we also have further documentation that they have previously contacted my husband 's place of employment after being advised not to, which lead to his job security being threatened. He was advised that he would be subject to termination if collection attempts to his HR department continued, and they did for at least 1-2 more additional attempts. We are trying to resolve this with the representatives directly, but they have been ignoring my written correspondence altogether. Any assistance I can receive in remedying this issue would be much appreciated.
07/27/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	KY XXXXX	Web
I bought the car in 2020 and XXXX months after I got the car the the cars engine went out just out of the blue. Took to the dealership and they took to the XXXX dealership and come to find out the car had a recall on the engine. It took them a month to figure that out. So they finally decided they was gon na fix my car for free. Stating they was putting a new engine in. It took them XXXX months and I kept paying my payments on time like I was told. So I finally get my car back and it seemed fine just like before. I always keep my oil changed. So i drove my car out of town and on the way back the car did the same thing as before. It jacked and them it wouldn't pick up speed and started smoking just like before. I had to have the car brought back by towel truck {$1000.00} because I was XXXX hours out from KY. Call the dealership again take it back. They kept it again for another month still hadn't called to say anything. So I kept calling they still hadn't looked at it yet. Prestige financial kept calling and I told them what was going on but they could care less. They kept asking where the car was and I told them. So I called the shop again and they said your financial company came and got the car without them even fixing the car. So I called them and they told me that couldn't wait because I wasn't making the payment so they was gon na sale it at their on personal auction and I was gon na be left to pay the balance. The car balance was still like XXXX. The loan was some upside down loan that I didn't kno anything about because if I did I wouldn't of ever signed up for that. They didn't explain anything about me paying for 1 years of Interest and nothing towards the loan itself. When u look them up they are doing alot people who have had bad credit or filed bankruptcy in the past like I had. I spoke with my lawyer and she told me what I could do but it's not right that my credit is gon na be missed up again because of them not fixing the car like they said the first time. They never replaced the engine because it would of never went out again a year later.
12/07/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	IL 622XX	Web
I have recently sent Prestige a rescission letter, letting them know different violations that I found within my alleged contract and that I am rescinding the contract. According to the federal law with any contract either party has the right to rescind at any moment. They received their letter by certified mail on XXXX XXXX stating that they had 20 days to respond. I have not received any response as of todays date. I take it that my notice has been accepted upon receiving the notice and upon the postal rule. I was never given that option to rescind nor did I ever sign off on anything waiving this right. Federal law states I have this right, I also noted in my letter upon reading the federal law it states the finance charge is the sum of ALL charges including interest and any premiums. My alleged contract that I have does not seem to show this. I was never offered any insurance through them my alleged contract shows all 'N/A 's as if this does not apply to me. If its an option on the contract I should have been given that option. I do not recall having that option nor signing a waiver saying that I decline it. If so please provide me with the copy with my wet ink signature. If not why was I discriminated against. I have asked multiple times for the audit of my file which I am entitled to, I still have not been allowed an audit of the file they have with my name on it. Federal law states I have the right to my file if I ask. I am wanting to see all incoming and outgoing currency with in the file. Before sending the rescission they also received my letter revoking POA and ALL signatures. Both XXXX and the dealership along with their registered agents received the letter. I also filed the IRS 56 Notice of fiduciary over this matter stating that the dealership is no longer the fiduciary but it is now ME the living natural human. XXXX violating many federal policies, rules and codes. I will continue to follow through with the parties involved also putting additional authorities on notice of this matter. XXXX
04/15/2021	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	IL 60148	Web
This vechile was reposses from me in 2016 when the car was taken I never received the documents in the mail for the car being sold which it should have been sent to me. I have a cease and desist order with the company as they are not allowed to speak with me over the phone nor contact anyone as they contacted neighbors and advise that I did not pay my bill. I reached out to XXXX XXXX who is the complaince specilaist to ask what is the settlement on this account. They are still charging me interest on the account in the state of IL once the account is charged off I should not be charged interest for the loan they are reporting the loan to be closed but still the dollar amount has gone up over the year. I have reached out to the attorney general in the state of Illinois to advise of what this company is doing and she asked me to ask for a settlement and if they do not want to work with me I can file charges against them. I have done that and today XXXX told me via email that in order for her to help me I would have to remove the cease and desist on the account as they are not able to speak with me about it. I advised her that I will not remove this as the only communication I should get from them is in writting nothing over the phone nor will I provide them contact number. I have not been able to get the company to one remove this after the information that they are reporting to the credit company is not accurate they said that it is. I now would like to have the signed contract that states when the car is taken I will still be charged for the car interest even after the car is sold. In state of ILLINOIS this is not possible when the account is charged off. So I will like to have the documents sent to me and if they are not able to provide this to me I will per the FCRA they have to provide me the sign contract for me taking the car and saying they can still charge me.If they can not provide that I will like to either be offered a settlement for what was left to pay on the car or removed off my credit.
10/28/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	TN 380XX	Web
I am writing to file a complaint against Prestige Financial Inc. for harassment and illegal collection practices. I have had the nightmare of dealing with this company, and it is time someone put a stop to their tactics. My account representative is XXXX XXXX, and he has, on numerous occasions, threatened me, belittled me, and insulted my character through emails, text messages, and telephone conversations. Yes, I have had difficulty making payments but it does not warrant being subjected to this type of treatment. He and the XXXX of Collections, XXXX XXXX, have harassed me day after day. I have emails and phone logs to substantiate this claim. They have called me a liar, questioned my ability to be a man, and told me that I am not a good person. This is totally uncalled for, and does not make for good business. My final straw, was today, my wife was at church for bible study, and my XXXX informed her that there was a message on the church answering machine for me. She listened to the message and it was XXXX XXXX, he stated, " This is XXXX and I am calling about one of your church members ( my name ) and his ( my vehicle make and model ) I have been trying to reach him so will you please ask him to return my call ''. I could not believe that he went to such great lengths to shame me, when he and XXXX had just spoke to my wife a week ago and she made a payment and informed them that she would be calling back the last Friday of the month to make another payment. They agreed that they would accept the payment and that she could call back the last Friday of the month with another payment. Since she spoke with them, they have contacted her on four times in 2 days saying " we are just checking to make sure that you are going to make good on your word and make a payment, call us back to set up a payment. '' Need I say, we have not made it to the last Friday of the month, and they have contacted my church ( which is not listed as a contact on my account ) and XXXX of my family members.
06/17/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	AK 99508	Web	Servicemember
I have a car loan with Prestige Financial. They are a predatory lender and I believe they have been involved with criminal activity by defrauding me for the past XXXX years while I was making my loan payments. For XXXX years I have paid my loan and not XXXX has went to the principle. They have charged me so many fees that its impossible to pay off the loan. I have stopped making my payments and informed them that all communication will be done in writing which they do n't want to do. I will not talk to them on the phone because they lie and like to twist the truth so I want all communication to be done in writing so i have a record of what is said, which they do n't want at all. I told them I want to go to court to let a judge decide what is fair. They have called and continue to call my family, friends and my Jb. My job has let me know that they are harassing them and calling them numerous times a day. I have been in contact with prestige and demanded them to stop contacting my employer but they still do n't, and they keep calling them to strong arm me into a solution to benefit only them like the XXXX would do or a criminal organization. This is a strong arm attempt trying to force something on to me which I believe is illegal and not fair. I have explained to them that they can contact me any time by email, text or mail. They send them threating text 's all the time and I told them to file court papers because I am ready to go to court. They have also called my son and told him they will have him arrested which is completely against the law and they are lying to him to scare him. Because they are a predatory lender they do n't want to go to court and face a judge they just want to continue to harass me when I have made it clear I want to go to court. I believe they are in violation of the law to continue to contact my employer which could get me to lose my job and to harass my friends and family when they can get a hold of me, but they choose not to do it in writing.
02/24/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	WA 98311	Web	Servicemember
XX/XX/2020, my husband and I contacted Prestige Financial Services to ask them why they were reporting our auto loan account as closed to one bureau, 8 times late to another bureau and 10 times late to the other bureau. We also asked them to correct the inconsistencies. We further asked them to at least remove the late for XXXX and XXXX of XX/XX/XXXX as per the Cares Act. They said they would look into it, acknowledged the errors and said it would be fixed. A few weeks later we were denied a home loan when our lender pulled our credit and saw these same errors on our Prestige Account. Again, we called Prestige and asked them to correct the reporting and they told us " NO. '' They said they did not have to correct any of it. We reapplied for a home loan in XXXX-errors still on credit report. We have sent letters to Prestige requesting that they correct the reporting, and received no response. We have emailed and called numerous times and they refuse to correct. We called the U.S. Supervisors of each of the three credit reporting bureaus and they have all told my husband and I that Prestige is giving them the info that they are reporting and that as such, they can not fix it even if we give them our records. We old Prestige that we have confirmation from the credit bureaus that they are in fact reporting this inconsistent and inaccurate information. Prestige acknowledged that they are giving the bureaus the information and are still unwilling to correct. We have explained that this inaccurate information is causing us to be unable to secure a home loan, subsequently putting us in danger of homelessness and they refuse even though their own website shows that we made the payments ( triple payments last XXXX ), and they are not charging late fees for any alleged lates-yet still refuse to pull off the lates even though according to the Cares Act-they can pull off the lates. We proved that we didn't pay late those months and still they refuse to fix it.
03/01/2019	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	MD 21237	Web
On XX/XX/XXXX, my XXXX XXXX XXXX was repossed due to hardship. I contacted Prestige Finance company and spoke with XXXX XXXX, she stated to me what i needed to pay to retrieve my vehicle and that was the all we talked about on Monday. I then called back on Thursday at XXXX XXXX, where I paid the debt to retrieve my vehicle back. Ms XXXX emailed me a form to fill and return back to her, and she still never told me where my car was being held. I emailed her at around XXXX because i still haven't heard from her about my vehicle. She sent me numbers to contact individuals where my car was and where i can retrieve my belongings along with my tags. So when i called the number which was to XXXX XXXX, when talking to XXXX he asked me about my tags and i told him my tags should be on the vehicle. So I called Ms. XXXX back to inquire about this infomation. She said they do this to protect your belongings just in case the car get sold. I told her she didn't follow Md laws pertaining to my vehicle. The car had no business being at the auction, according to Md law I had up to fifteen day to retrieve my vehicle from the repossession place. When I called XXXX on Thursday at XXXX or XXXX, they were closed, so i call Friday morning at XXXX. Thats when XXXX told me about my tags not being on the vehicle. Then i had to make an appointment to retrieve my vehicle which not until Monday. Ms. XXXX never discuss to me where my vehicle was located and how long i had before they sent it to auction. The company never followed Md laws with notifying about my vehicle. I spoke with XXXX. XXXX supervisor, she then told me that thd didn't have to disclose that information about the vehicle.. Needless to say, i dont have the vehicle until Monday and i have to {$50.00} to retrieve my tags before i pick up my car.. This is so unfair to me because the day I paid to get the car is the same day it was towed to the XXXX XXXX XXXX. And again i was not informed of any of this ...
05/24/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CT 06820	Web
I purchased a car through Prestige Financial. A year after owning the vehicle the payments became too much for me. I sold the car to a family member. Before I sold the car I contacted the company and asked them if the new owner could assume the loan and title to the car. They assured me that the title of the car would be transferred and that I would become the co-signer and the buyer would be the primary loaner. Prestige Finanacial took the new buyers information and added them to my account but never transfered title or added them to the loan itself. They entered into a payment agreement with me and the new buyer while accepting payments from both of us. The new owner paid as agreed but because I did not continue my payments myself they repossed the car a week after recieving a XXXX $ payment from the new owner. After the repossesion they placed the loan amount on my credit report as well as the new buyers credit report. PrestigeFinancial misreprented themselves, they fraudelntly added the buyer to my account but did not add the buyer to the loan or transfer the title as promised. Since they did not do as promised the new buyer should not be on my account for they have no interest, and no contract with Prestige Financial. I ask that they stop reporting false information to the credit bureaus because the loan clearly states my name alone not the new owners. They illegally repossed the car after they entered into an agreementand accepted payments on the past due amount. They collected money from the new owner and pretended that the new owner was really on the loan.They accepted payments from the new owner and still repossessed the car. I have a copy of the loan and the new owner was never added. All monies that was collected from new owner should be returned to the new owner because they never had a contract with Prestige Financial and Prestige Financial fraudently purported as if they have a valid contract.
10/16/2017	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	TX XXXXX	Web	Servicemember
OnXX/XX/XXXX when I purchase my vehicle, dealership and Prestige stated that after one year of successful timely payments that I will be getting a lower interest under XXXX percent. Is alreadyXX/XX/XXXXand the promises that Prestige Financial Services has n't been implemented. Also my balance of my XXXX XXXX XXXX of XXXX miles is not lowering because of the high interest rate of 17 %. I purchase vehicle on XX/XX/XXXX for {$20000.00} and my present balance is at {$18000.00}. I am having a very difficult time in selling my vehicle because Prestige payoff is around {$18000.00} in which my vehicle is only worth around $ XXXX {$14000.00} on XXXX XXXX XXXX and with a trade in value of {$13000.00} if my vehicle loan is paidoff, in which is not paid in full. Also I just receive a Safety Recall Notice on my XXXX XXXX XXXX XXXX on XXXX XXXX and I have a very safety concern. I took my vehicle to XXXX XXXX on XXXX XXXX at XXXX for Safety Recall at XXXX XXXX XXXX, XXXX XXXX XXXX CaliforniaXXXX XXXX. Also, because of XXXX Recall there is a XXXX XXXX XXXX against XXXX in which my name was included on lawsuit. I feel very unsafe on this vehicle that was sold to me on XX/XX/XXXX and dealership in XXXX, Texas failed to provide me the inspection report as I requested and dealership did n't want to provide on safety report on my vehicle when I purchase onXX/XX/XXXX. I had safety issues when I drove from XXXX, Texas to XXXX, Texas when I purchase vehicle on XX/XX/XXXX I took my vehicle to a XXXX, Texas mechanic shop onXX/XX/XXXX and mechanic revealed safety issues and I had to pay the charges on safety issues. Bad tires, wheel alignments, bad battery, change of oil, etc there was a charge of around {$1000.00} I am in California on my XXXX XXXX Medical Treatments with my XXXX XXXX XXXX. I am XXXX and XXXX and a XXXX XXXX XXXX XXXX XXXX. Notice : I am sending evidence of documents to CFPB by email. Very Urgent Matters.
05/10/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	TX 77489	Web
On XX/XX/XXXX the XXXX XXXX was repossessed by Prestige Financial Services. PFS sent me a letter to an address I have never resided in, regarding the XXXX XXXX. Once the letter reached me it stated the car would be sold at auction on or after XX/XX/XXXX. I received no further communication from PFS regarding the car. Prestige Financial Services in the beginning of the repossession reported the car to the credit bureaus as a repossession as of the last credit report they have reported the car as charged off due to natural disaster. They have also reported the car as late payments every month for more than one year to date, and has listed the amount of the original loan plus interest as what is owed on the loan. I a request of document proof of what was owed on the loan after the sale of the vehicle with a fourteen day deadline for receipt of said documents and to have the information removed from my credit report, PFS sent to me via USPS, a copy of the letter from XXXX in the mail with a letter of refusal stating after their investigation they are within their rights to continue to report this information on my report, no other documents were received from my request. Texas repossession laws required the lender to provide documentation without request after the sale of the vehicle to show proof of monies received for repossessed vehicle. If documents are not produced the lender has invalidated their claim to any remaining sums owed on loan. I made a call to PFS on XX/XX/XXXX and spoke with XXXX who informed me I needed to speak with my account manager who was gone for the day, I was transferred by XXXX to the account manager team members where he also informed me one of them would be able to assist me or if they do not answer to leave a message for a return call. I left a message and to date no return call has been received. Below I am attaching my letter to PFS and their response letter.
08/08/2017	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	MI 481XX	Web
On XX/XX/XXXX, I sent an email to account manager, XXXX XXXX, for my vehicle loan with Prestige Financial Services ; I was requesting a reduced payment amount of {$250.00} for XX/XX/XXXX loan payment. Due to having a medical hardship, the initial monthly payment for {$420.00}, which was set up to be drafted on XX/XX/XXXX, was going to be returned. This was suppose to be XX/XX/XXXX payment, but late. XXXX XXXX XXXX, replied via email on XX/XX/XXXX, stating that she could " reduce and accept '' a {$300.00} payment for the month of XX/XX/XXXX only. Therefore, I accepted her offer for the reduced payment of {$300.00}. Thus, making the {$300.00} payment will bring my account current as of date, until my next monthly payment which is due on XX/XX/XXXX. After reading and acknowledging the payment disclosure sent to me via email on XX/XX/XXXX ; I authorized the {$300.00} payment for XX/XX/XXXX to be drafted from my savings account on XX/XX/XXXX. The disclosure also stated that by Prestige accepting a reduced payment amount for XX/XX/XXXX, this may extend the term of my vehicle contract, and affect the prior three payments received. Now all of a sudden, on XX/XX/XXXX ( today ), XXXX XXXX from Prestige sent me an email stating that my loan is {$50.00} past due and I must make a payment to bring my account current. However, my account should be current from the payment made on XX/XX/XXXX, in the amount of {$300.00}. Along, with her forwarding my information to another account manager named XXXX XXXX ; I am now being harassed by the both of them for an additional {$50.00} payment. Plus, neither one of these managers want to disclose how I would owe another {$50.00} for XX/XX/XXXX. I do not like being harassed and threatened to have my vehicle repossessed for additional money they claim I owe, on top of my XX/XX/XXXX payment already made. Please look in to this matter.
05/13/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	GA XXXXX	Web
I purchased a XXXX XXXX XXXX financed by Prestige Financial. I have had the vehicle for 7 months and the transfer case is cracked and leaking. The cost of repair the transmission is {$3000.00} and I can no longer afford the car as my current only income is SSDI payments. I called the finance company multiple times, as they would not return any of my calls. I informed them of the situation and my decision to surrender the car while I am not in default on payments. I was told by one person to try to get an offer on the car and they will see about releasing the lien because if not, there would be more fees added to my deficiency. At that time, I requested a settlement if I was to work to sell the car for them. After I was able to get an offer from a car dealer they advised me that they will not take a settlement and they will not accept the car dealer ship offer of {$9500.00} ; the balance owed on the vehicle which is {$19000.00}. At an auction, they may get less and there will be auction fees which they will add to my deficiency. Instead, they will only reply that they have a right to pursue me for the entire loan. I advised them I did not initially call for a settlement or to make an offer, but was only doing what their representative advised when I called to surrender the vehicle. The company is refusing to allow me to surrender the vehicle which will lower the cost of a repossession added to my deficiency and their actions are preventing me from having the deficiency on my credit show as a voluntary repossession. Their refusal to allow me to surrender the car will also have my credit report showing multiple missed payments when currently that is not the case, today is XX/XX/XXXX because I am current my next payment is due on XX/XX/XXXX for {$420.00} which is why I was trying to surrender the car I can no longer afford before its multiple missed payments.
09/06/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MD 210XX	Web
My car was totaled by an uninsured illegal immigrant who broke my ribs and destroyed the functioning of my back and neck. He hit me at XXXX mph as I pulled into my bosses driveway to go to work. I have a video, police report, all the above. The man then left the country making for an extremely, slow financially and physically debilitating process. I had to use my insurance and pay everything out of pocket, 40 physical therapy sessions, xrays, multiple dr visits, a rental car, and more. So I finally get some relief in my body and am able to move again and go to look at purchasing a car labor day weekend. They run my credit and the salesman comes back to me and says " prestige your finance company has done you very dirty they have your car down as repossessed '' I was like no it was totaled they got a $ XXXX check from my insurance company they cashed they got money back from me cancelling my extended warranty I am just waiting on GAP who has all the info they need they just need to process it. I contacted prestige mon, tues, and wed trying to get some answers. They dont have any for me and my so called file manager will not speak to me either. I ask how can a totaled car be repossessed when youre being payed for it? Something about well we got it back then resold it. Oh so you got more money for it too?? No answere. You still arnt answering my question why does it say repoed on my formal credit and why wont this lady speak to me? Response is I cant speak to a human on the phone I have to send an email. So I did that, which im sure is a run around game. I need it explained to me how this car can be listed as repoed when it was totaled by someone else mind you and has been 3/4 paid off and will eventually be fully paid off. This has cost me almost everything and now its destroying my credit somehow too? Someone please help me fix this.
06/29/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	VA 23321	Web
I have a loan through Prestige Financial Services. I purchased the vehicle in XXXX, XXXX XX/XX/XXXX and relocated to XXXX XXXX because of medical issues after a car accident. The car then broke down and I was told by the mechanic that the car was a salvaged vehicle. Due to prestige telling me XX/XX/XXXX that they will finance the repairs, I decided to stick with the vehicle even after being told by the mechanic fixing the vehicle that I would be better off getting rid of the vehicle because of the underlying issues. In XX/XX/XXXX I became delinquent due to some unexpected and unforseen expenses. I have told Prestige repeatedly that I would love to keep my vehicle and even have given them dates that I could pay. Their response is a refusal to accept anything less than the total amount due and repeated threats to garnish my wages and take me to court. Not once did I say that I would n't pay, I 'm just having a hard time coming up with the total amount due at this time. One of the supervising collectors have even told me that I should give him all of my income information and also my bills so that he could arrange them since I obviously do n't know how to handle my finances. All of this has caused me stress and I feel as if I 'm on the verge of a XXXX due to their harassment and threats with a garnishment for a refusal to pay though I never told them that I would n't pay. I 'm not asking that they move a payment and I know that my interest rate is crazy high because this is a predatory loan after I filed bankruptcy. I just put another {$300.00} in repairs on this vehicle that I should n't have had to have repaired for a while after purchasing it. The threats with garnishment and lawsuits is unbearable and unbelievable considering that I 'm not refusing payment, I 'm just asking to have them broken up until I get back on my feet.
07/27/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	AZ 85016	Web
after speaking with Prestige financial regarding my inability to pay they assisted with a deferment for XX/XX/XXXX and XX/XX/XXXX due to job loss acct is currently 17 days late I contacted the company to advise of employment at XXXX XXXX - which is employer previously on file due to lay offs and that first pay would be XXXX/XXXX/XXXX in which is not a 30 day delinquency. Payment are due the XXXX of every month. I was threatened by repossession by XXXX XXXX who has been the acct manager of the acct for the last 2 years. account has been opened and in good standing since XX/XX/XXXX w/o any negative reported delinquencies. I have always made more than the monthly due which is XXXX monthly and was never advised of late fees needing to be paid immediately however I was quoted a XXXX balance and was threatened that if amount was not remitted including fees I was be repossessed. This was a surprise because prior to XX/XX/XXXX and XX/XX/XXXX deferment I was paying 400 monthly and was never advised of the fees nor given the option to execute pay down of late balance- He utilized the late fee balance as a tactic to put fear in me. I 've spoken with XXXX each month a payment was made and Never was I advised. correspondence was by phone -initiated by me and email- considering I was on a cease and desist. due to prior harassment calls prior to my due date. I was yelled at and disconnected on by XXXX XXXX when trying to create a resolution and promise to pay. I called back and spoke with customer service - this all happened on XXXX XXXX XXXX who escalated my call to a VP I left a voicemail advising of the situation and provided and account number and a brief description of my call and as of now its been 7 days and no follow up from Prestige Financial. In the recording I made it clear to immediately change my account manager.
04/16/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	WI 53144	Web	Servicemember
Hello, I am a 100 % service connected XXXX veteran. I find myself in a predatory loan with Prestige Financial, regarding a vehicle I've only had approximately 6 months. ( XX/XX/2020 ) In desperate need to get a car to be able to make it to my VA appointments, I thought I found a good deal on a XXXX XXXX XXXX listed at {$19000.00}. I was led to believe I was financing with a great company at a great price. However, at 23.3 % interest I am already under water at just 6 months in. At the end of the loan, I'd have paid more than double the original amount financed. Furthermore, at a recent oil change with less than XXXX miles on the vehicle I find that it is a lemon with issues such as a hole in oil pan. I've asked Prestige to lower the interest rate to a reasonable Usury Rate or to let me out of the contract. They have refused to do either. I have filed a previous CFPD complaint with no resolution. I have been advised that I now have grounds to sue under the American XXXX Act and the Laws Against Predatory Lending. Per simple XXXX reviews and XXXX complaints, this company is well known for it's Predatory Lending Practices. My situation is similar to many others who have had Prestige as their lender. XXXX is a similar predatory lending company who just lost a huge lawsuit due to the same practices that Prestige has. This does not seem to bother Prestige as they seem to have zero interest in doing the right thing. This is my second CFPD complaint regarding Prestige. I have also filed a XXXX complaint, a complaint with the Attorney General and will be looking into options to sue Prestige if this matter can not be resolved. Companies should not be allowed to prey on people with their predatory lending and there are Federal Laws against this. Regards, XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX WI XXXX
05/19/2017	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	GA 30260	Web
In XXXX XXXX the finance company on my car Prestige Financial i n Utah offered me a special offer of XXXX , my normal payment is XXXX . I agreed to take the lower payment. When my banking account was charged it was overcharged in the amount of XXXX . I called Prestige immediately to resolve the issue which they flat out refused to credit my account for their mistake. I called my bank and reported it as fraud. I have prove via e-mail on the offer. Ever since then my account has not been accurate. They have been applying my payments for XXXX to the payment in XXXX . They claim I missed XXXX 's payment. Every time I call I get some rude person on the phone or my account manager XXXX XXXX refuses to speak with me or go over my account or billing. She only responds via email. For XXXX and XXXX XXXX my account manager decides to do a deferment on my account, with my next payment not due till XXXX . I did n't really want the deferment as I wanted to make my payments as usual. The company has my car repossessed on XXXX . Now I 'm trying to get my car back but again it 's the complete run around and they do n't even have my billing correct. Every time it 's a different amount that I somehow owe. This lender is the worst. They are saying I owe currently XXXX . This includes my payment not due till XXXX which again today is XXXX . Minus the XXXX payment of XXXX that leaves XXXX they are saying I owe for XXXX . I have an e-mail clearly stating that from the last payment I made of XXXX in XXXX that XXXX of that XXXX cleared XXXX and I now had a credit on my account of XXXX dollars. None of their billing ever makes sense and the account manager never is accurate with her figures. If she ca n't calculate math she needs to find a new profession.
04/11/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	IL 60610	Web
I am concerned not only with the balance on my credit report with Prestige Financial being incorrect and as to how it is reporting on my credit report. I have sent several letters out to Prestige Financial in XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have asked for Certified Letter with return receipt, reinstatement letter, notice of sale, as well as how much the vehicle was sold for and any possible deficiency letter. The only response I got from them was changing my XXXX report from closed to repossessed in XX/XX/XXXX and XXXX and XXXX shows a charge-off balance of {$22000.00}. The main issue is I took a loan out for around {$18000.00} in XXXX this vehicle was repossessed in XXXX and it was also sold in an auction. Prestige appears to be charging me for the original loan amount, fees I am not aware of, but has not reduced the true amount of what this vehicle was sold for which would have reduced the amount that would have been owed on my credit report. Instead they are trying to make money twice by selling the vehicle and not giving me the requested documents I have been asking for, for over 3 years as well as trying to make me pay a higher price than the loan amount, after selling the vehicle and not providing a deficiency letter. Due to no responses I contacted XXXX, XXXX and XXXX to notify them of the discrepancies and the account remained the same. No response from them. Please assist! This account is not only reporting incorrectly but their are a lot of discrepancies, such as the payment history. Each report is showing different payment histories as well as, current balance is higher than the original balance on all reports. All 3 of the credit bureaus are also reporting different statuses. All 3 reports are showing different last payment dates.
12/17/2019	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	CA 94565	Web	Servicemember
Prestige Financial Services Administration will not accommodate me on my Lifetime XXXX and ADA Disability Civil Rights Act under Department of Justice. I have respectfully requested for lower payments as l am going through a permanent Financial Hardship and l also have a Federal and State tax debt and l have to pay. I will not be able to make any more payments of {$440.00} or {$480.00} on my auto loan after XXXX XXXX. I can only a afford a payment of {$270.00} to {$280.00} @ month on each month on the XXXX. I am on a fixed XXXX Retirement Pension income and have no other financial means. Also, Prestige Financial Services Administration email me a document disclosures for me to sign of l wanted a change in due date on auto monthly payments. In which l told them l don't have to sign because is not mandatory in the Consumer laws of Federal and State. Prestige, should not force our XXXX XXXX of XXXX XXXX XXXX and XXXX Veterans to sign a document, so they can have their way legally and put a restriction on a auto loan. I am continuing to have major issues with Prestige since XX/XX/XXXX till Present, when l was going through a my Bankruptcy Chapter XXXX of XX/XX/XXXX and purchase the XXXX XXXX XXXX XXXX in Texas with mechanical issues and overpriced purchase on XX/XX/XXXX. Bankruptcy Chapter XXXX was discharged by Federal Judge in XXXX, Texas on XX/XX/XXXX. It appears that soon l might have to return vehicle back to XXXX as l can not afford monthly payments of {$440.00} and {$480.00} after XXXX XXXX. I like to keep the car as l needed it for my Lifetime XXXX Medical treatments and appointments with my XXXX Doctor Dr XXXX XXXX XXXX in XXXX, California. I am respectfully XXXX Lifetime and Retired and a XXXX XXXX XXXX Military Veteran.
03/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	IN 46321	Web
I sent a legal affidavit certified mail to the mentioned company. I have disputed this item a few times in the past. Therefore, an affidavit was needed with this dispute due to lack of transparency in previous disputes, the affidavit stated a response within 10 days was needed. This is a legal document and can be used as evidence in the court of law. I have receipt from USPS mail the document was received on XX/XX/XXXX. I have never received a response! This company has inaccurately reported info on my report and while doing that the company as well is committing tax fraud at the same time. I contacted company via phone XX/XX/XXXX and was aggressively verbally attacked by Manager believe name was XXXX in Recovery Department. I asked to speak to Legal Department in which he claimed did not speak to public as well he claimed no document from me was ever received.This is a clear violation of my rights under The FCRA to obtain a fair investigation to any concerns of reporting I see to be either unaware of or concerned about accuracy on my consumer report. As well I sent disputes to XXXX and XXXX in regards to this company at same time. They have both responded with verified. I am really curious how they verified any info seeing it as Company never responded to my Legal Affidavit. These CRA are accomplice in false inaccurate reporting. This company is reporting a charge off with a balance which under federal law is false and tax fraud due to charge off debt being instantly converted into income. Income is not reported on consumer reports. Every correspondence I have sent out has been Notarized and Certified Mail. I am concerned with all parties handling a correct investigation into this matter. It has caused me a lot of anguish this reporting.
01/13/2017	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	AZ 85308	Web	Servicemember
On XX/XX/XXXX I formally communicated to Prestige Financial and the CFPB if all efforts to collect the debit for our auto loan all communication going forward was to be done by EMAIL or Mail only. Please refer to claim # [ Case number : XXXX ] due to repeated harassing and back to back phone calls from Prestige Financial account managers. At that time I received confirmation from XXXX XXXX Compliance Officer Prestige Financial Services , Inc. our account would be flagged and alerted our account should be handled with Email/Mail communication only. Within this past week Prestige Financial account managers have made repeated back to back harassing phone calls to both my husband and my cell phones in addition to emails. My husband spoke with them on XX/XX/XXXX, XXXX, Incoming XXXX 2 mins. advising them payment would be made on XX/XX/XXXX when his VA XXXX benefits are deposited into our bank account. Within less than 7 days and the fact that on XX/XX/XXXX my husband advised when payment would be make to bring the account back current we received several more calls regarding the payment. Here 's is the documented harassing call log from our cell phone provider : XXXX call log XX/XX/XXXX, XXXX Vm Retrieval XXXX XXXX Voicemail XX/XX/XXXX, XXXX Incoming XXXX 1 -- XX/XX/XXXX, XXXX Incoming XXXX 2 ( Again my husband advised payment would be made on XX/XX/XXXX ) Today XX/XX/XXXX XXXX Incoming XXXX 44 sec XX/XX/XXXX XXXX Incoming XXXX ( call sent to voicemail ) In addition to the email received : Are you still interested in securing your account? I 'm happy to assist you but I need a URGENT RETURN CALL to avoid further escalation. I need a call back today thank you in advance.-XXXXXXXXXXXX XXXX XXXX Account Manager Prestige Financial Services , Inc .
04/26/2018	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	MI 49001	Web
I purchased a vehicle from a family member. We contacted the loan company whose name is Prestige Financial. We were told by the company that the loan could be transferred to me after I filled out the proper paperwork. Prestige Financial i.e., XXXX XXXX the representative for the company assured me that upon completing the necessary paperwork that my name would be placed on the title and that the property would be considered mine after the title change. I filled out the papers that was requested. I waited months and the company never put my name on the title. I paid several thousands dollars to Prestige financial. Every time I would go to the DMV they would tell me that the car is not in my name. On XX/XX/2015 after I made a XXXX payment they repossessed the car for reason of none payment. XXXX XXXX stated that I did not own the vehicle and that the responsible owner has to pay for the vehicle herself. I asked why had they deceived me and had me fill out the paperwork if they were not going to title the car to me? and she rudely hung up the phone Everyone else that I tried to talk to at the company refused to provide assistance to me. The legal owner and I made complaints and we got nowhere. In the end the company took my money, refused to refund any portion back to me, failed to place me on the title as promised and has continuously reported to the credit bureaus that I owe them XXXX $ and that I am more than 120 days late every month severely damaging my credit. They are also reporting false information. If you carefully exam the reports you can see the conflicting info. I want them removed from my credit report and reprimanded for fraud and deceit. I also want a refund of all my monies that were paid to them.
09/01/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	OH 44095	Web
We have an auto loan with Prestige XXXX since XX/XX/XXXX. We have noticed that our payoff is only going down roughly {$100.00} a month. We pay {$370.00} a month. Being that we are a little over 5 years into this loan, I know we paid a big chunk of the interest of a 17.99 % auto loan. Normally towards the end of a loan the majority of the interest has been paid and more money comes off the principle balance than {$100.00} of a $ XXXX monthly payment. We are assigned an account rep to basically hound us starting the day before payment is due. If we are more than 3 days late we get a " final notice '' to come repossess the vehicle. We get nasty emails and texts throughout the day from our assigned rep. Which we have been through about 8 different assigned reps since our loan started. So anytime we ask about this issue they say, if you don't like it we can come get the vehicle. An example is in XX/XX/XXXX our payoff stated it was {$4800.00}. As of today it states our payoff is {$4300.00}. So in 5 months we had {$500.00} come off our principle balance? We have had this loan over 5 years. How long have they been doing this? According to my math that is a lot higher than a 17.99 % APR. This has happened our entire loan. Of course it says we owe that much when we only get {$100.00} a month off our balance per month. Please look into this. If they are doing this to us, they are doing it to everyone. They are crooks, take advantage of consumers who are put of options for financing and this company must teach to be rude and relentless in collecting payments. Especially when they don't provide a monthly invoice or email invoice. Just rude calls and emails. Thank you for taking the time to listen.
03/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MD 21206	Web
I have requested the valid proof of contract as well as other information listed below. The Proof of contract must be original and certified copy of a authenticated original contract with my signature, specifically Prestige Financial as the company entitled to enforce this reporting to my credit. Company : Prestige Financial Account Number : XXXX Prestige Financial Services XXXX XXXX XXXX XXXX XXXX, UT XXXX Date Opened : XXXX Date of Last Payment : N/A Date Closed : N/A Date Reported : XXXX I have requested a certified copy that ensures that the contract and all information sent is accurate and has been done through the presence of a certified notary company who authenticates and is duly operating under the laws that swears the copy made is in fact a copy of the original paper contract with the company in question. I have also requested the following below : XXXX. Provide a Certified copy of authorization signed by me, naming your company as having my consent to report to my credit file. XXXX. Provide a certified copy of all information related to the XXXX XXXX and 3rd party creditors who were given permissions to report on my credit report. XXXX. Provide all accounting information, from the date the account was opened, all payment history, amount and details, source of payments as well as dates, every charge, every purchase, every refund, every negative credit, all amount associated with this account, I am requesting this matter be resolved immediately for which this is the 3rd attempt for your company to provide all requested information. Your company has yet to provide any validating information that was requested. This account needs to be Deleted and removed from my credit report.
10/18/2019	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	IL 622XX	Web
On XX/XX/XXXX, Attorneys affiliated with XXXX XXXX XXXX XXXX XXXX XXXX located in XXXX IL, filed and was granted a default judgement against me in XXXX XXXX, IL. The debt was charged off by Prestige Financial Services , Inc. on XX/XX/XXXX to a third party company ( that is not referred to or is XXXX XXXX XXXX XXXX XXXX. The dispute of of debt was responded to on XX/XX/XXXX by XXXX XXXX, Attorney for XXXX XXXX XXXX saying that I owed a principal balance of {$11000.00}, a fee balance of {$510.00}, the amount of interest accrued ( 29.99 % interest rate ) was {$3400.00} and the total balance that was due at the time of the letter was {$15000.00}. The contract was started on XX/XX/XXXX and last payment was made on XX/XX/XXXX ( with monthly payments being {$340.00}. Amount financed on XX/XX/XXXX was {$11000.00} and was paid for 16 months totaling {$5500.00}. According to court document filed, the amount claimed was {$14000.00} plus court fees. The car was repoed and sold in an auction as well. According to a financial statement from Prestige Financial on XX/XX/XXXX, the amount of interest that was accrued was {$6100.00}, the interest paid was {$4600.00} leaving an interest balance of {$1500.00}, with total fees being {$610.00}, total fees paid {$98.00} ( auction price ), making balance fee {$510.00}. Principal balance was XXXX XXXX {$1500.00} of balance interest and {$510.00} of balance fees totaling the account balance to {$13000.00} after charge off date which is different from amount on court document and amount on debt dispute letter response from XXXX XXXX XXXX XXXX XXXX Where did my monthly payments of {$340.00} go???
05/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	MD 21206	Web
This company is refusing to tell the truth. I started a complaint in year XXXX and Prestige Financial did not change any wrong accuracies and did not comply with all documentation asked for. They continue to send limited information. They then decided with my second complaint made in year XXXX to then change all inaccurate information. This company has violated my rights between XXXX until XXXX. How did they not violate my rights when I had to make another complaint in year XXXX for yet again wrongful accuracies. If you corrected my account this year XXXX that means that you never completed a full investigation in XXXX and all the inaccurate information remained the same up until XXXX. That is a violation. I will have to hire a lawyer to resolve this matter for which my initial dispute in year XXXX was not resolved causing me to have to file another dispute in XXXX. This was a damage to my credit profile and was not handled until this year XXXX which was in clear violation of all laws. I had to suffer for this mishandled situation. I am seeking that this account be removed for which Prestige was inaccurately reporting to my credit from all previous years before XXXX and from XXXX until XXXX. Prestige Financial has also taken over 90 days to complete my 1st investigation along with my second attempt XXXX. They have still not sent all information that has been requested. I will hire a lawyer for which I do have credit reports that clearly shows that Prestige Financial did not change any inaccuracies from my 1st dispute in XXXX and then decided to change things in year XXXX after a second attempt to fix my credit.
04/30/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	ID 836XX	Web
On XXXX XXXX , XXXX , I received a credit inquiry f rom Prestige Financial o n my consumer credit reports. I did not authorize this inquiry either directly with Prestige or through any other source. I sent them a certified letter which was received and signed for on XXXX / XXXX / XXXX . I received a response from Prestige da ted XXXX XXXX , XXXX which stated they would not remove this inquiry despite being notified in writing this inquiry was not initiated or authorized by me either directly or through a third party. They have disregarded my concerns that someone has used my information without my consent and are fostering an environment that allows for identity theft by refusing to remove such items. T he Federal Law is very clear under the F air Credit Reporting Act and this inquiry being performed under false pretenses as described in the clear language of the law . 15 USC 1681n ( a ) ( 1 ) ( B ) state s, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. Prestige is not able to provide any evidence such as a signed credit application or any credit application provided to them from any party that this inquiry was authorized by me. Therefore under Federal Law this inquiry must be removed immediately as it is causing my consumer credit report to be damaged since inquiries affect credit scoring systems. I am demanding this inquiry be removed as my first request was refused by Prestige.
03/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 283XX	Web	Servicemember
On XX/XX/2022, I viewed my Consumer report and I noticed that the information from my auto loan from Prestige Financial is reporting across the Credit Reporting Agencies is inaccurate. Under the FCRA the law states the following. 623 - 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( a ) In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court
11/07/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL XXXXX	Web
In accordance with the Gramm Leach Bailey Act, Title V, subtitle A of this act, 15 U.S.C. 6801 requires the FTC, along with federal banking agencies and other regulators, to issue regulations that financial institutions protect the privacy of consumers personal financial information. Such institutions much develop and give notice of their privacy policies to their own customers at least annually, and before disclosing any consumers personal financial information to an unaffiliated third party, and must give notice and an opportunity for that consumer to opt out from such disclosure. Under the Dodd-Frank Act this rule making authority transferred to the Bureau of Consumer Financial Protection . The act also limits the sharing of account number information for marketing purposes. In accordance with the Fair Credit Reporting Act, Prestige Financial Services has violated my rights 15 U.S.C. 1681b ( a ) ( 2 ) [ ( 15 U.S.C. 1681 section 602 A ) ], states I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish data of an account with my written instructions. The company is falsely accusing me of owing them {$18000.00} for collateral they possessed and resold. In direct violation to 15 U.S.C. 1692 C ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. They have continued to furnish data and harasses me in reference to this matter.
08/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 300XX	Web	Servicemember
( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC1681 section 604 a section 2 states Any consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied, or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is explained how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information. " This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. None of these accounts belong to me period.
07/12/2017	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	TX XXXXX	Web	Servicemember
I have been receiving many Harrassment phone calls of, Collection, threats of escalations of my vehicle repossession and possible collecting funds from me in court. All calls are been made through my cell number XXXX.and also by email. Prestige Administration or staff has been calling from their number XXXX. Also Prestige business partner Vehicle Dealership in XXXX, Texas is also calling, but they do n't leave a message. Their address XXXX XXXX XXXX XXXX XXXX, Texas.XXXX ... XXXX Email : XXXX Federal Government can archives all emails from XX/XX/XXXXof XXXX XXXX and Prestige on my loan process. My Bankruptcy Chapter XXXX process in Federal Court in XXXX, Texas was filed on XX/XX/XXXX and Prestige and XXXX XXXX XXXX was informed on my bankruptcy Chapter XXXX process and proceedings with XXXX, Texas Attorneys XXXX XXXX and XXXX XXXX. After I file various Federal complaints against Prestige Financial after XX/XX/XXXX and also Prestige Management Has appointed XXXX employee XXXX XXXX to go after me to collect on payments of collections of {$480.00} and {$440.00} in which I can not afford and pay for XX/XX/XXXX. I respectfully asked Prestige to restructure my loan under 17 % interest rate and lower my monthly payments under {$480.00}, {$440.00}, because of my Financial Hardship and XXXX. I am XXXX and Retired and I do n't receive XXXX XXXX XXXX. I have sent evidence documents on my XXXX Lifetime to Prestige Administration. I am respectfully requesting that the Federal Government conducts a investigation on my vehicle purchase and loan process with Prestige immediately.
09/14/2018	Yes	Debt collection Auto debt	Communication tactics You told them to stop contacting you, but they keep trying	AZ 85138	Web
I have discussed with XXXX XXXX XXXX on several occasions about the multiple phone calls and emails that i have been receiving. The first time was in XX/XX/2018, i received a rude and very disrespectful call from numerous employees from that company requesting payment on my car note. I let them know that i am not able to pay at the moment and the representative continued to interrupt and make numerous threats to me if i did not make the payment. I told them at that time to not contact me by phone anymore. in XX/XX/2018 I received an email about a late payment. I made contact with Prestige to let them know my plans. The woman ( rep ) on the phone was really rude to me at which i passed the phone to my husband to speak. He told them at that time to cease all communication via phone or email and to just communicate via mail. at the end of XX/XX/2018, i received another rude and disrespectful phone call from Prestige requesting a payment..at that time i let the rep know that i had requested a cease and desist on all phone calls and emails. She went on to explain that the cease and desist was only placed for email. she assured me at that time that she will place stop on all phone calls and emails. In XX/XX/2018 i started to receive emails again after repeatedly telling this company that i cease all communication. Some of the dates may be off but I'm sure they have all if our communication recorded. To this day i am still receiving email communication from Prestige. I would like for this company to respect my wishes and not contact me via email or phone anymore.
04/20/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	IL 60653	Web
Yes, I had a collision while driving and my car was totaled. I had full coverage car insurance and gap insurance. XXXX sent me a letter and said that they did not have to pay out the remainder of my loan because I accepted less of a settlement than what the car is worth and that since the document was signed that I accepted the loan I could not contest it. XXXX the agent I spoke to said that there is a grandfathered clause on the contract that I signed that says that if you accept less than the value on the car you have to pay out the rest of the loan and he offered me a refund of the {$580.00} I paid when I signed the contract. First off, could you please let me know where it says that on the contract? Othewise, why even charge me for GAP insurance at all? Why would you make me think I had Gap insurance when I didn't? Also, the insurance valued the car fairly at approximately $ XXXX. I hit multiple pot holes and got flat tires several times. That actually happened that Sunday prior to my accident and I had to call XXXX.Then, someone tried to steal it in XXXX and broke my rear window. The insurance sent XXXX to fix it and the mechanic told me that whoever did it broke it with a crowbar and in order to fix it he put the window back but the door would need to be replaced eventually because he could see where the window was thrown off track. I looked at the XXXX value just now and it said that my car in rough condition with the mileage was valued at XXXX which is what the insurance paid out to the lien holder so I'm trying to figure out what XXXX is talking about.
03/09/2020	Yes	Debt collection Auto debt	Communication tactics You told them to stop contacting you, but they keep trying	VA 22192	Web
Today XX/XX/XXXX I was contacted by Prestige Financial regarding my car loan via text message and was advised that my car loan and was advised that I have been past due since XX/XX/XXXX which is incorrect. My mom ( cosigner ) contacted them by phone and advised them that I recently started a new job and will be making XXXX 's payment soon ( currently 13 days past due ). The collections rep XXXX said to my mom " why are you teaching your son to pay his bills late '' She was extremely rude screaming over my mom and yelling about me being 1 payment past due. My mom then advised her not to text either of our phone numbers or she will take legal action, XXXX stated she will continue to text until he is current. My mom then proceeded to ask to speak to someone higher and she gave the line to a person by the name of XXXX who claim to have been the Assistant VP of collections. She explained to XXXX that she did not appreciate the way XXXX spoke to her and that she wanted to make a formal complaint. XXXX only proceeded to request a payment and blame my mom for XXXX 's behavior. He continued to be rude and offered my mom no solution only to tell my mom she was yelling at him. My mom then asked to for his bosses information where she was given a name XXXX who is supposed to be the VP of collections. XXXX refused to give any employee numbers or last names. My mom advised that she would be making a formal complaint as one should never be made to feel as low as they made her feel after calling them to try and resolve the issue. No one stated the Mini Miranda at all.
01/04/2018	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	TX 77449	Web	Servicemember
I bought a car in XX/XX/XXXX. Due to my credit being poor, the only company that would finance me was XXXX XXXX. This experience has been nothing short of a nightmare. Since I bought the car, my life has been a wild roller coaster. I got laid off from my job, was unemployed for several months, got a new job, then was laid off from it 3 months later, on top of being unemployed I also lost everything except the car in Hurricane Harvey. I ended up landing a new job just after the hurricane and am slowly getting life back to normal, however, prestige does n't care about any of it. They are only about their bottom line and have zero compassion for those going through hardships. The day after payment is due, they start harassing me with calls, emails and texts. Last Friday, XX/XX/XXXX I received 3 emails from 2 different people. Today I received a rude email from XXXX XXXX stating that I am {$1300.00} behind on my loan, however my account on their website shows I am only {$450.00} behind. One of the emails he sent on XX/XX/XXXX stated that I am {$750.00} behind. Apparently they have no idea what I actually owe and their data does not match the data on their own website. I am growing extremely frustrated with this company and their rude, harassing collection tactics. I have asked XXXX as well as well as several other of Prestige 's employees to stop harassing me about the balance. I am aware I am behind and am doing everything I can to get caught up. Yet they continually call, text and email daily. Someone needs to step in and do something about this company.
03/30/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	DC 20001	Web
PLEASE NOTE THIS IS NOT A DUPLICATE. I HAVE INCLUDED LAW FROM THE DISTRICT OF COLUMBIA TO BACK MY CLAIMS On XX/XX/XXXX my XXXX XXXX XXXX was repossessed in front of my home. Pursuant to XXXX XXXX XXXX XXXX XXXX XXXX XXXX Prestige Financial should have sent a notice to me or my last known address 10 days prior to repossession. I XXXX XXXX, can confirm that no letter was received 10 days prior to repossessing my personal property. This is a violation of consumer rights and constitutes unfair trade practices. To further no notices prior to repossession was received as required by UCC 9. To add to this complaint, after paying the required amount of XXXX to retain my vehicle and cure the alleged debt, Prestige has stated that my account did not cure and remains in a recovery status as if payment was not received or applied properly to the account. This gives reason to believe there may be a billing error pursuant to 15 USC 1666d. I also do not receive monthly statements anymore for this account nor do I have access to the online portal. In addition I just received a notice of redemption letter for an additional XXXX dollars that is due by XX/XX/XXXX or my vehicle would be repossessed again. Prestige Financial shared my NON PUBLIC personal information with a third party to the retail installment sales contract ( XXXX ). The XXXX only includes myself, the dealership, and assignee Prestige Financial Services Inc. Since there is a binding arbitration agreement, this dispute should have been settled in arbitration prior to the company taking any actions.
08/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	OH 45102	Web
I purchased a used car with my girlfriend and received a loan in XXXX of 2017 from Prestige Financial. After doing some research I realized that this company is a loan shark and has totally taken advantage of me. They charged me exuberant fees for a car that was practically useless. It broke down and fee 's were never explained to me properly. Either way. this company is refusing to acknowledge the fact that I'm challenging information on my credit report with them. They even keep returning the mail that I have sent to them! I am using the address that is listed on the credit report. I've also explained this to the 3 major credit bureaus. XXXX, XXXX and XXXX are still reporting this account and all of the derogatoriness. There are so many inconsistencies with this account. Nothing makes sense and they refuse to send me the information so that I can even see if what they did or are doing is legal! For example, XXXX and XXXX shows the balance on this account as {$22000.00} and XXXX shows the balance as XXXX. Now how can this be? But on my girlfriends credit report, XXXX shows a balance of something different! It's only one or the other, how can there be 3 different balances on the same joint account? I dont ' even know what they sold the car for or applied to my account. I have no idea when the car was even sold at auction, or if it even was? I don't know what else to do in this situation. Please help! I'm attaching screenshots of my credit report, as well as letters that I've sent to them that have been returned!
09/16/2020	Yes	Debt collection Auto debt	Communication tactics Frequent or repeated calls	AZ 85024	Web
On XX/XX/XXXX they called twice in the same day. Threatening that I was outside of my contract and that I would be on their delinquency report. I explained that I will be making a payment on XX/XX/XXXX. They said they didnt see that and that since Im paying outside of my normal process this isnt allowed and that I would have to pay by the Monday the XXXX. I explained this is when I would have the money. She kept threatening me with I was outside of my contract and that would be reported and I responded Im not 30 days late and I could pay. She started my contract says I have to pay in the month Im due or Im in violation and this could lead to further action. I said Im not 30 days late so thats fine. She went in further about their delinquency report and I said that has nothing to due with me and I would appreciate them to stop calling me as they had called me all week and hung up on me. I explained this is rude and its a violation. I went in to their website and scheduled the payment. Then a called called me back and began asking me to change my due date and began pressuring me and when I said hes in violation and that need to stop calling he said do you want the help or not. I asked for him to stop and the company to stop calling me Im at work and this is harassment about a payment I schedule on their actual website. He continued on trying to threaten me and pressuring me to change my due date and pay a lesser amount then my actual monthly payment. They called me the first time at XXXX XXXX and the again at XXXX XXXX
02/07/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	VA 225XX	Web
On XX/XX/XXXX I hit a deer with my car. I turned this in to my car insurance. After several weeks of dealing with them, they finally did a total loss on the vehicle. The whole time I was in contact with the finance company who had the loan on my vehicle, which is Prestige Financial Company. I was told by them that I had GAP insurance and that once my auto insurance company sent them the check for the amount of the vehicle then they would start the claim for the GAP insurance. They received that check on XX/XX/XXXX. Today is now XX/XX/XXXX and this loan is still not paid off. I have spoken to XXXX, at Prestige who keeps telling me they put the claim in and now they are just waiting for them. It's been 4 weeks since they supposedly put the claim in. I dont understand what is taking so long. And when I try to call Prestige I can never get through to someone, you are kept on hold forever. They only way I have been able to contact them is going on to their website and sending an email. This is frustrating because they had no problem calling, texting and emailing me if I was late on a payment. I have explained to them that I cant get another car loan until this one is closed. So i have been without a vehicle since the end of XX/XX/XXXX. I have most recently asked for the insurance companies info that they have the GAP insurance through and I have gotten no response. I just need some assistance because everyone that I have spoken to about this says it should not take this long for the GAP insurance to kick in.
07/29/2017	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX XXXXX	Web	Servicemember
Urgent Matters!! Prestige wants to reposses my XXXX XXXX XXXX XXXX in which I have been making timely payments from XX/XX/XXXX till present. Prestige Administration are now in Retaliation because of my filed complaints with Consumer Financial Protection and Federal Trade Commission and Department of Justice ADA Disability Act Civil Rights. I just like to have a affordable payments under $ XXXX- {$480.00} with a lower interest rate under 17 %. I am willing to start making my timely affordable monthly payments starting XX/XX/XXXX. Prestige wants to also wants to report me to a collection company and destroy my credit ratings with XXXX, XXXX and XXXX. I am XXXX Lifetime and Retired.Why Prestige administration are mistreating our Military Veterans and Citizens on Disability Lifetime? I have requested a Federal Investigations against Prestige Administration immediately. I will send copy of evidence of Prestige on Escalating their Retaliation against me. Repossession of my vehicle and reporting collections and negatives to credit reporting agencies.Is this how Prestige Financial Services mistreat and Retaliated against Hispanic XXXX Military Veterans? With Respect the Federal Government should consider my request of Federal Investigations.Prestige does n't want to accommondate on my Disability Lifetime under ADA Disability Act.under the Department of Justice. I am requesting also with respect that Department of Justice ADA Disability Act Civil Rights Division intervene on my complaints also. Urgent Matters.
05/23/2018	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	CO 80112	Web
I am writing to the CFPB today requesting assistance on receiving information regarding a debt I have with Prestige Financial. I financed a vehicle through this company at a 21 % interest rate for almost {$35000.00} back in XX/XX/XXXX, soon after my Bankruptcy was discharged that same year. I lost my job in XX/XX/XXXX and they were unwilling to work with me, payments wise, until I got another job. The vehicle was repossessed in XX/XX/XXXX and was sold at in auction for {$12000.00}, leaving roughly a deficiency balance of {$23000.00}. They continue to charge an interest rate of 21 % on the balance owed and my paycheck has been garnished off and on for more than a decade, for this vehicle that I have not had since XX/XX/XXXX. I have asked on numerous occasions, for an itemized statement showing my place payments made and interest. In addition, I have asked for the balance owed, a copy of the original contract and other pertinent information regarding this loan balance and I have not once received anything from Prestige, except what is listed on the Garnishment paperwork, every time they resubmit the continuation of garnishment through the courts. On multiple occasions, they have told me that they would provide the information I have requested and yet, have received nothing. Prestige has called and harassed me at multiple places of employments and have went as far as lying to coworkers to obtain information for garnishment purposes. I feel that I am being and have been, taken advantage of.
05/26/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	VA 20109	Web
In 2015 I entered into a payment plan to pay off a roughly {$11000.00} balance to Prestige Financial for a car I had to voluntarily have them repossess during my divorce. Since I have paid nearly {$11000.00} from what I can gather from my banking records. I have phoned them several times asking for statements and paid amounts and they told me they do not send out statements on " charged-off '' accounts. This morning I spoke with XXXX in their recovery division and she informed me that I still have a balance of {$9000.00}. When I challenged that and asked how, she said I signed a contract for {$38000.00} etc. I told her that contract was not the one in question, that was the original contract. The things that followed is what I am concerned about. They took possession of the car, sold it at auction, I had already paid the principal down through the 2 years of payments when I owned it, they got a judgement against me and I entered into a payment plan for {$11000.00}. Today I was dealing with an {$11000.00} debt that she informed me still has an additional {$9000.00} owed after 5 years of paying on it. I do not understand how that is accurate or legal. I can not afford another 5 years of paying for a vehicle I no longer own. I am laid off due to COVID-19 so I requested they remove me from the payment plan since I can't afford it right now. I need help. How is this legal??? They charged off the account, sold it and now they can recover {$20000.00} on an {$11000.00} debt due to interest????
07/25/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	AZ 85388	Web
We are filing our complaint against Prestige Financial based on FDCP act section XXXX Harassment or abuseWe personally spoke with XXXX XXXX on XXXX advising XXXX of payment on account # XXXX along with advising XXXX XXXX at the time of the call we were at a doctors appointment ( physician was at bedside ) and requested to end the call. Prestige Financial then proceed to call us directly back twice more just seconds/minutes after already speaking with us. On XXXX/XXXX/2015 Prestige Financial ( XXXX XXXX called XXXX and spoke with him advising payment would be made on XXXX/XXXX/2015 my XXXX and the remaining balance would be paid once XXXX receives his VA XXXX payment on XXXX/XXXX/2015. Directly after speaking with XXXX Prestige Financial XXXX XXXX XXXX then proceeds to call XXXX regarding payment that had already be discussed with XXXX just a few minutes prior!! Prestige XXXX XXXX XXXX leaves voicemail providing detailed account information having not confirmed if the voicemail was indeed XXXX active voicemail. Payment was made on the account as stated my XXXX on XXXX/XXXX/2015 via XXXX XXXX XXXX XXXX. On XXXX/XXXX/2015 XXXX receives voicemail once again from Prestige Financial XXXX XXXX XXXX requesting payment on the account which had already been discussed less than 24 hours ago! This is not the 1st time such calling methods/practices has been demonstrated by Prestige Financial. We have asked that all future communications from Prestige Financial to us be sent via email only.
11/12/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IL 60617	Web
I did n't approve these inquires : XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Misc. XXXX XXXX, IL XXXX ( XXXX ) XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Fin Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Misc. XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance I filed a identity theft a few months back but have not been successful with contacting these people to get them removed and some of the inquires are doubled so they should of known something was n't right.
06/30/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	KS 67216	Web
On XX/XX/XXXX me and my wife signed a auto loan with Prestige Financial based in XXXX XXXX XXXX XXXX for a vehicle bought from XXXX in XXXX, XXXX. This vehicle was bought with GAP coverage sold to us ( through XXXX XXXX ) that was sold to us and explained that would pay out the difference still lowed if the vehicle was deemed a total loss by insurance and we still owed on the loan. On XX/XX/XXXX, the vehicle financed by Prestige Financial was stolen. It was reported to the XXXX Police Department and two days later it was found, the XXXX, XXXX police arrested and charged a man driving our vehicle with vehicle theft under XXXX law. Our insurance provider XXXX deemed this as a loss from auto theft. After much delay through the GAP provider, they denied our claim stating we invited the act of theft in which we did not. There is still a balance owed Prestige Finance but due to job loss we are unable to pay anything to Prestige and we currently are still fighting the GAP provider for not paying out the policy for what XXXX Police Department and XXXX deemed as a auto theft. Our complaint is that for about a month, many individuals at Prestige are harassing me and my wife on a daily basis through phone calls, messages, texts and being demeaning and rude and not acknowledging that we are unable to make any payments and that we are still actively seeking XXXX XXXX XXXX to pay out as the policy was sold to us. Prestige does not need to contact us daily and it is harassing to us.
02/26/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	IL 604XX	Web
I became aware that Prestige was storing my credit card info in some part in their system and via a 3rd party system I requested on several occasions that the information be removed, that I had n't consented nor was I told that my credit card number will be stored To this request I received push back and was ultimately that Prestige only keeps the last XXXX digits of my card info I was told their 3rd party vendor XXXX XXXX houses the information. Again I asked that the information be removed and that was again met with resistance. I was told to contact XXXX XXXX which on XXXX/XXXX/2016 I did. I subsequently did a 3 way call with XXXX XXXX and XXXX from Prestige. During this recorded call XXXX said XXXX XXXX had the stored credit card details and the rep from XXXX XXXX said they did not keep those details. I have n't made any payments directly to XXXX XXXX my payments are made to Prestige and no where on their website nor in any other disclosure is there any information about how my information is stored. Prestige has refused to remove the information from their system or request that the information be removed by their 3rd party ( where applicable by law ) Prestige has continuously refused to aid in removing this information. They also have refused to remove the viewable information from their system. Prestige is engaging in deceptive practices and privacy violations as well as compliance violations as it relates to keeping credit card information on file.
05/26/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 76137	Web
I contacted Prestige Financial and XXXX XXXX XXXX XXXX about several inquiries that are on each one of my credit reports from their company. I explain that the inquiries were not authorized by me. During the times the inquiries were made I was in XXXX XXXX getting ready to move the following month I had no need to be shopping for a car in Missouri, I also advised the rep that I was a my ex had used my identity before and that could have been the case. I asked the rep to provide me with the original document with my social security number and signature proving that I made the inquiries, because their company is reporting the inquiries in the sate of TEXAS I have the RIGHT to request VERIFICATION of how they received information. Prestige Financial sent a letter back dated XX/XX/17 stating that I had to contract the dealerships to get a copy of the original contract, hence the dealerships are in XXXX XXXX , Missouri. I called the dealership and they said that they destroy contracts unless they are approved. I told them that I never came into their office and applied nor did I apply online they told me that I had to contract Prestige to get the inquiry removed. I am tired of going back and fourth to get something removed in which I never inquired about in the beginning. This inquiry alone with a dozen others are causing my credit score t o decrease and I want these inquires removed from all there reporting agencies immediately.
09/17/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AZ 85016	Web
I was told that i needed to make my car payment on friday in order to not have my car repossessed. I made my payment on friday at XXXX. I was not told that it had to be in at a certian time. " XXXX the supervisor '' is who I made this arrangement with. " XXXX '' ended up going home early on friday and didnt call the repo company to cancel the repo order he already had put in, and wasnt supposed have even orderedto according to or agreement. That Sunday they repossessed my vehicle. I called them on Monday, the apologized for the error, I went to the car repo center and got my car back, no charge.since it was their error. Now they have me listed as car redeemed and account closed. I still drive the vehicle and i am current. They admit it was their error, didnt even charge me to pick it back up acknowledging it was their error, but refuse to remove the credit report entry stating account closed car redeemed amount due zero. I have asked XXXX XXXX to fix this, he submitted a request. I got the request back in the mail saying they stand by their entry and will not change it. I called XXXX XXXX and asked him again. he said he will not change it and it is accurate. I said then I owe you nothing since you say account bal is XXXX. I said you cant have it both ways. so, either it comes off or i owe nothing as the report says. he refuses to make it accurate. I need your help this is a major problematic company with an excessive amount of customer complaints.
04/16/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NV 89148	Web
XX/XX/XXXX PRESTIGE FINANCIAL SVCE pulled my credit report for a loans/and OR, Credit cards for someone using my Identity to apply for a Loans or Credit. OnXX/XX/XXXXI filed an Identity Theft report, and Police Report with my local police department XXXX XXXX XXXX police department, because I got alert that someone had opened, different credit lines in my name without me knowing. Someone was using my Identity to apply for loans and, lines of credit online. There were over seven accounts opened, and over 18 hard inquires. I reported everything right away to all three credits companys, XXXX, XXXX, XXXX,. A alert was supposed to be put on my credit reports for 90 days. From XX/XX/XXXX to XX/XX/XXXX. However, whoever is using my social security number has been still trying to get credit in my name. I spoke to ( PRESTIGE FINANCIAL SVCE ) and they could not release information because some of the information did not match what I what information I had. However, they still put a Hard Inquiry on my XXXX, and XXXX credit reports. onXX/XX/XXXX a total of three times in a matter of a three-month span time. As of today, I have contacted Social Security Administration, and have a appt to get a new social security card this does not keep happening. This is affecting my credit and, I take my credit serious. I am shocked, and still shocked as, to how this is has happened, and it has taken me almost months so far to try and, clean up my credit report.
04/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MD 21206	Web
The Credit Bureaus are stating that Prestige financial has undergone an investigation into my credit report and everything has been accurate, I would like to know how is that possible when it was inaccurate with the open dates, the reporting dates, the payment history and more was all inaccurate back on XXXX when I started my initial investigation. I also submitted a XXXX reinvestigation and was still not sent all validating information. This ground for removal and they have also violated by rights under the 15 U.S.C 1681 Section 602A. I have the right to privacy. 15 U.S.C 1681 Section 604A Section 2 states that a consumer reporting agency can not furnish an account without written instructions. Prestige Financial has also taken over 90 days to complete my 1st investigation along with my second attempt XXXX. They have still not sent all information that has been requested. They have continued to respond stating that they " verified the information ''. Being that Prestige received my dispute back in 2020 via Mail and Online they were well aware of my dispute and decided to disregard my dispute AND ignore all my request for validation. I have continued requesting full documentation in connection with this alleged debt, Validation, and documentation. IT HAS NOW BEEN OVER 90 DAYS SINCE THEY HAVE RECEIVED MY ORIGINAL LETTER. This account needs to be removed from my credit report immediately being that it is inaccurate and violates laws.
08/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	OH 45102	Web
I purchased a used car and received a loan in XXXX of XXXX from Prestige Financial. After doing some research I realized that this company is a loan shark and has totally taken advantage of me. They charged me exuberant fees for a car that was practically useless. It broke down and fee 's were never explained to me properly. Either way. this company is refusing to acknowledge the fact that I'm challenging information on my credit report with them. They even keep returning the mail that I have sent to them! I am using the address that is listed on the credit report. I've also explained this to the 3 major credit bureaus. XXXX did do the right thing and removed this from my credit report.However, XXXX and XXXX are still reporting this account and all of the derogatoriness. There are so many inconsistencies with this account. Nothing makes sense and they refuse to send me the information so that I can even see if what they did or are doing is legal! For example, XXXX shows the balance on this account as {$21000.00} and XXXX shows the balance as XXXX. Now how can this be? It's only one or the other. I dont ' even know what they sold the car for or applied to my account. I have no idea when the car was even sold at auction, or if it even was? I don't know what else to do in this situation. Please help! I'm attaching screenshots of my credit report, as well as letters that I've sent to them that have been returned!
11/08/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	IL 600XX	Web
I have a vehicle financed with Prestige Financial. I noticed within the last few weeks they have reported my principal balance as being higher than in previous months, while making my payments. After inquiring with them, they have NOT had this information corrected with the credit bureaus, as a matter of fact, they told me the credit reporting agencies report what they want. I have asked them since I have brought it to their attention for them to fix this issue. In the meantime, I also noticed that my " principal '' balance online ( when I log into my account ) increases daily. I inquired as to why that is and was told it is a per diem fee .... What is a per diem fee? I do n't recall that as being part of my contract ... XXXX Why do these companies think they can just take and take and take from their customers and if a customer schedules a payment 6 days after the due date, they are harrassing you even though they can see the payment is scheduled and will process in a few days .... With most companies, normally there is a minimal grace period. I just want my account and the reporting to the credit bureaus to remain accurate. I do n't know if there is anything I can do to just transfer my car loan to a different finance company as I do n't want to do business with companies are are dishonest and not trustworthy. Not sure what my options are at this point, but any advice on what I can do legally is greatly appreciated.
12/31/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MD 20785	Web
This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : PRESTIGE FIN Made on : XXXX XXXX - XXXX XXXX - XX/XX/2018 Made with : XXXX XXXX To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I & # 39 ; m sure you & # 39 ; ll agree that verifying your information is in your best interest. Finally, assuming you do not possess inquiry authorization, I request that, after removing your unauthorized inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests.
12/06/2022	Yes	Vehicle loan or lease Loan	Incorrect information on your report Information is missing that should be on the report	IN 47362	Web
I obtained an auto loan for a new vehicle from Prestige Financial on XX/XX/XXXX. I have made all of my payments on time, as agreed. In XXXX of XXXX I was made aware that this loan is not on any of my credit reports. I contacted Prestige via email, questioning why they were not reporting my payments to the credit bureau 's. XX/XX/XXXX I received a response from Prestige stating that they had reviewed my account history. She stated that my last XXXX payments were made after they had already reported for the month of XXXX and that it was scheduled to update with their XXXX credit file but she had sent a manual update to the credit bureaus. XX/XX/XXXX I asked which credit bureau she sent the manual update to. XX/XX/XXXX She stated that it was sent to all XXXX XX/XX/XXXX I replied stating that my auto loan still was not showing on any of the credit bureaus. I told them I wanted my payments reported to all XXXX bureaus with proof. XX/XX/XXXX Received a reply stating that they were able to see that my 'account was not reporting. ' She stated that she had sent a request to get it added back on ( was never on to begin with ) but she could not guarantee that it would be 'put back on. ' In order to find out why my account was not reporting or if the request was accepted, she suggested that I contact the bureaus. I am paying my loan as agreed but they are not reporting my payments as they should.
09/05/2019	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	CA XXXXX	Web	Servicemember
On XXXX XXXX at XXXX XXXX California time I made contact with Prestige Financial Services Administration Mr.XXXX XXXX, Mr.XXXX XXXX and XXXX XXXX in regards reducing my interest rate under 17 % and my Auto Loan under {$440.00} to {$330.00} a month. I can make affordable payments of {$330.00} only as my Financial Hardship has arise and the cost of living in California doesn't make it easy. I tried selling my XXXX XXXX XXXX XXXX that I purchase in XXXX, Texas in XXXX for {$22000.00}, but the value has decreased and Prestige Financial Services wants the whole balance amount of {$18000.00} paid. Vehicle is in excellent as I put lots of money to repair mechanical issues, when I purchase on XX/XX/XXXX at XXXX XXXX XXXX in Texas. Nobody in the State of California and America will not buy this vehicle from me for {$18000.00}, it only has XXXX miles and well maintained by me as I do n't drive that much. I just turned XXXX years old. If Prestige Administration will not reduce my payments to {$300.00} to {$330.00} a month and lower my interest of 17 %. I will give the vehicle back to Prestige. I am XXXX XXXX and Retired. I can only make payments of {$300.00} to {$330.00} a month. My Financial Hardship is Permanently just like my XXXX XXXX. There is a payment due on auto loan on XXXX XXXX for {$440.00} in which I am not able to pay, but I can pay {$330.00}. This is a very Urgent Matters!
09/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	IL 60617	Web
I have tried in good faith to deal with this company but it is nearly impossible to do. My next step is to email the president of the company and describe how his employees are treating it's customers. To make a long story short I have paid this loan in good faith for the past 5 years. My payments are reflected as paid on time on all credit bureaus as of XX/XX/XXXX and as of recently the account has been paid off ( Thank God ) on XX/XX/XXXX. The most recent update on my credit report reflects DEROGATORY and I'm trying to figure out how can an account that has been paid on time for the past 5 years is being rated as derogatory. If this is how the Fair Credit Reporting Act is fair to consumers something definitely needs to be revamped. How can you report to a credit bureau that an account is derogatory with on time payments for the past 5 years. I want this account removed from my credit report as this is the only account reporting inaccurate and negative information. This is the worst company to ever deal with and I would like a resolution because this is totally unfair and there needs to be an investigation into this company. This company can not decide when they want to make an account derogatory and not follow all procedures which they did not in this case. This company should be fined and held accountable for their actions. If I've been treated like this I'm sure there are others.
04/04/2017	Yes	Debt collection Auto	Cont'd attempts collect debt not owed Debt was paid	IL 62704	Web
My husband and I XX/XX/XXXX XXXX XXXX and Prestige Financial XXXX, UT XXXX was our lien holder account number XXXX. We purchased the car in XX/XX/XXXX. I was in a accident the person that hit my car had XXXX insurance. XXXX gave me a list of companies that guarantee there work here in XXXX, Il so I choose XXXX XXXX. We originally owed XXXX on the car and the damages was XXXX the car was fixed and about 1 year later the car stopped so I called XXXX and they came and towed the car I was told that the transmission went out and the car had XXXX miles.At that time we could n't afford to get the car fixed and make the payments. We informed Presitge, the car ended up being sold to XXXX. We never received a certified letter saying the car was going to be sold. According to Illinois repossession and legal aid they should have done commercially responsible resale which goes under section 810ILCS 5/9-625. Prestige should have sold the car in a auction or made it public instead they sold the car to Prestige Financial for a lower cost instead of the highest bidder. Prestige Financial took us to court and we were not able to go to court so there was a judgement of XXXX against my husband and I. Which we only owed XXXX to began with. I do n't think it 's far that Prestige gets XXXX from us and they sold the car a car that we will never have. Prestige has also been garnishing my husband pay checks
11/06/2019	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	CA 94565	Web	Servicemember
Prestige Financial Services Administration wants {$17000.00} for a XXXX XXXX XXXX XXXX and dealerships and car buyers are offering less as car value has decreased with XXXX miles and year. Vehicle is in excellent condition. Also, the interest rate of 17 % is keeping balance balance at a freeze and instead of balance going down it keeps going up each month. I requested a settlement payoff and Prestige Financial Services Administration wants {$17000.00} in which XXXX XXXX and XXXX XXXX value is at around {$6.00} to $ XXXX. Nobody is going to pay $ XXXX for this car. I am trying to sell car so l don't have no more car payments as l am respectfully XXXX XXXX and Retired. I can't afford the payments of {$440.00} or $ XXXX.and paying a high interest rate of 17 % since XX/XX/XXXX till Present. Prestige Financial Services Administration interest rate program in me giving my bank checking account ACH is not permissible. Since XX/XX/XXXX, Prestige reps stated to get a low interest rates l need to have a ACH bank account and program and have payments taken out of my checking account each month. {$17000.00} and Prestige stated they will do legal actions and repossession if l don't pay the car payments each month. I am forced to make payments and have a high interest rate. Dealership and Consumer will buy vehicle around {$6.00} to $ XXXX depending on the value of the car.
12/16/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	WA 98122	Web	Servicemember
Prestige financial has done everything they can do to continue to swindle me. I am formed him that I recently purchased a car with a salvage title and I was unable to get insurance and what they worked with me was hard to get out of the loan I made payment arrangements for the duration of my contract with them. Once I finally got out of the contract and out of the car that I was in that was tied to Prestiges financial they purposely put on my credit that I was one payment late during my whole contract with them. That was a methodical plan thought out through management from XXXX my case manager to her managers did everything in their power to make my credit up here bad by putting that I was one payment late on my credit after my contract ended with them which was totally false. I have several emails I have several voicemails from XXXX including her managers axing me when you can expect a payment when I fell behind several times throughout the contract. So to be spiteful out of my contract with them have ended they intern decided to say hey you know what lets put this one in the red mark on his credit report to teach him a lesson, thats very unfair and unprofessional, And when I call and ask them if they can correct their mistake that they have put on my credit report they said they have no record of me ever being late only that one particular time which is false.
01/09/2019	Yes	Debt collection Auto debt	Written notification about debt Didn't receive notice of right to dispute	TX 78665	Web
Prestige Financial is set up on auto draft. Every month on the XXXX, they debit {$440.00} from my account. On Friday ( XX/XX/XXXX ) they attempted to take the regular payment, but there were no funds available. They sent me a text on XX/XX/XXXX at XXXX XXXX CST telling me the payment did not go through. I texted them back on yesterday morning, XX/XX/XXXX saying thanks for letting me know and I will make the payment on Friday ( XX/XX/XXXX ). No response from Prestige. Today, XX/XX/XXXX, they tried to run the payment again and it did not go through, as I knew it wouldn't. This is why I specifically said Friday in my text back to them. Their attempt to charge this amount again resulted in 2 overdraft fees on my account. 1 for Prestige ( {$30.00} ) and 1 for XXXX ( {$40.00} ) because of a {$10.00} charge that couldn't clear because of the overdraft from Prestige. I asked if I could pay them the monthly {$440.00} minus the {$30.00} ( although I should have asked for {$70.00} for both fees ) and was told that the person can't authorize that. I was also told that the draft is automatic and once it returns it automatically resubmits. I then asked for the terms of that in writing. I was told ( via text ) that they don't have any official documentation that they can send me regarding that. This is illegal and I would like to have all my fees refunded to me promptly.
12/26/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MD 20706	Web
On XX/XX/XXXX an accident rendered my car a total loss. I was in the 4th year of a chapter XXXX bankruptcy at that time. In XX/XX/XXXX payment of the total loss ( roughly {$8100.00} ) was remitted to Prestige, the lien holder. When I called to verify the payoff in XXXX, they denied having it. Under my chapter XXXX plan, the amount owed ( roughly {$6000.00} XXXX was less than the payment remitted to them. Shortly thereafter, Prestige initiated a GAP claim without my knowledge for the amount of the loan which would have been due outside the bankruptcy. They provided all information requested to that company. When I became aware, I questioned them about it and in XXXX they allegedly canceled the GAP claim. I don't know if this is true, but they would have been paid again if not. If it was legal to proceed in this manner, why did they not receive compensation and leave me alone? In XXXX, they requested to be removed from the bankruptcy provisions and to be allowed to accept the payoff. It was granted, months after accepting/holding payment for the loss. To date, they are reporting the account as open with a balance of {$11000.00} with a payment made in XX/XX/XXXX. This is all false. How are they able to circumvent the chapter XXXX, file a claim using my personal data, keep the money and still claim the original amount while reporting on my credit bureau reports?
02/01/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Problem with a trade-in	MD 21230	Web
On XX/XX/XXXX I purchased a XXXX XXXX XXXX XXXX from XXXX XXXX located in XXXX, MD XXXX, the vehicle was financed through Prestige Financial Services located in XXXX XXXX XXXX UT. The dealership took my XXXX XXXX XXXX as a trade in and gave me {$6000.00} minus {$2200.00} ( {$3700.00} remaining ) which was paid to the lien holder of the XXXX XXXX and the rest was applied towards the downpayment for the above mentioned vehicle and also asked for an additional {$1800.00} in cash which was paid and applied to the downpayment. {$5500.00} was applied as my downpayment. On XX/XX/XXXX I sent XXXX XXXX a Right of Rescission Affidavit made in Pursuant to 15 U.S. Code 1635 ( a ) as I was never told I had 3 days to rescind the agreement nor was I given the notices that come along with all consumer credit transactions. I also notified them that I participated in a consumer credit transaction and not a loan Pursuant to 15 U.S. Code 1602 ( i ). Pursuant to 15 U.S. Code 1605 the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges which was never disclosed to me which put XXXX XXXX in direct violation of the law. XXXX XXXX also accepted a CASH downpayment of {$1800.00} violating 15 U.S. Code 1605 which clearly says that the finance charge does not include charges of a type payable in a comparable cash transaction.
05/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Report provided to employer without your written authorization	MD 21157	Web
I am writing this letter in response to the information provided in my credit report. Pursuant to 15 USC 1681e ( b ), I am exercising my right to dispute the accuracy of the information contained in my credit report. I have reviewed my credit report and found that there are errors and inaccuracies that need to be corrected. Specifically, [ describe the errors or inaccuracies in detail, including the account name and number, and any other relevant information ]. I have attached copies of supporting documents that prove the inaccuracies in my credit report. According to 15 USC 1681i ( a ), the credit reporting agency has 30 days from the receipt of my dispute to investigate and correct any inaccurate information. I request that you investigate and correct the inaccurate information in my credit report as soon as possible. Furthermore, I also request that you provide me with a written report of the results of your investigation, as well as a copy of my updated credit report. If you need any additional information from me, please let me know. I would like to remind you that it is your legal obligation under 15 USC 1681e ( b ) to ensure that the information in my credit report is accurate and up to date. Failure to comply with these code compliance procedures XXXX result in legal action. Thank you for your prompt attention to this matter. Sincerely, XXXX
09/30/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	AZ 856XX	Web
After much investigation I discovered an auto loan had been submitted to Prestige. The dealership I believe that submitted my application is refusing to provide me with the original loan application. I contacted Prestige to see if they could provide this information and to ask their policies on self employment, XXXX pay, child support and verifiable part time employment as they denied the use of this income - according to the vague explanation by the suspected dealership. And why I was denied a consumer interview or to speak with anyone regarding my application. The company has refused any and all attempt or requests for clarification and or information. Prestige declined to provide any of the above information and referred me to the XXXX. I do believe that not only was the application submitted by the dealership - not myself was inaccurate. And also believe my verifiable and protected sources of income were denied against the Fair Lending guidelines. And personal bias was used in determining my worthiness in this case but am unable to discern or consult due to the refusal to provide any information - Ive since requested only a copy of my initial application which has gone ignored. I called XXXX XXXX and was told I would receive a call back and have not gotten a return call. Ive attached email correspondence below.
06/26/2018	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	TX 75061	Web
I'm getting help writing this due to declining health ... I got into a loan w/Prestige Financial b/c my Bankruptcy Attorney advised it would be better for my credit to get a high interest vehicle loan. The vehicles loan was so much but when I got it appraised its was worth less than the actual loan ... When I got laid off from my job in 2015 I've just been struggling to pay but lender will not refinance loan to lower payments and whenever I look to get out of this vehicle to a lower paying one they call my employers, send me harassing emails saying that I'm lying to them, that no one will help me and that the only way to stop paying such a high loan is to surrender the vehicle and try my luck with my credit. This past week my father was actually using my credit to coappy with me and Prestige called my employer posing as another entity to perform VOE and they called/emailed me to say, they've checked in on me that I was lying on application forms and that because I was refusing their help they were going to prevent me from getting any help to lower my payments or get out of the car to get into a more affordable vehicle. I've advised them of my medical issues ( without giving them my prognosis or anything ) but their calls/emails are rude and due to my health it's easier to ignore them because they cause emotional duress.
10/14/2020	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	ID 83301	Web
On XX/XX/XXXX, I was notified that my wages are going to be garnished by the XXXX County Sheriff for a debt that is not mine, and for which, documentation submitted to the company on the court date in XXXX shows that the reported debt is not mine. Prestige Financial Services , Inc, made threats and were aggressive with their collection practices even after proof had been submitted that the debt was not mine. The owner or representative reported they were going to sue and did not give a XXXX what papers I had, because he was going to get his money. This is for a debt on a XXXX that was obtained prior to my XXXX in XXXX. In our XXXX decree, which was signed by XXXX XXXX on XX/XX/XXXX, Page 7 states, The wife is ordered to pay the following debts as or before they become due and hold the husband harmless for any further liability concerning these debts : Prestige Financial, XXXX XXXX. My ex-wife filed for bankruptcy after our divorce and the debt was discharged in her bankruptcy. On XX/XX/XXXX, the case was renewed and Prestige has again stated I am responsible for the {$15000.00} debt which includes fees and interest, despite their lawyer receiving the proof in court, that I am not responsible. I have now been served with an order for garnishment and my paycheck is being garnished approximately {$500.00} per month.
11/02/2017	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	AZ 85051	Web	Servicemember
I have been back and forth with Prestige Financial in regards to a vehicle that was repossessed back in 2016. This vehicle was sold at auction and I never received a notice of sale. When this company sued me and ultimately was awarded a judgement against me and tried to garnish my wages. I never received notice of the original law suit or signed a proof of service. When I discussed this with the company they said that their process server did have my signature. I expressed to them that it was a forgery and the agent dismissed my concerns. I agreed to start making monthly payments with them at some point but was unable to follow through due to unemployment. I have so far made one payment to them. I have recently reached back out to them to try and set up a payment plan. I offered {$50.00} bi-weekly, but they are refusing to take my payment. They want {$75.00} bi weekly. I received an email form one of their agents emailed me today and basiclly threatened me that if I do n't " voluntarily '' set up this payment this would be my last chance. I am not sure how to take this. I am in a financial hard ship and I am doing my best to comply with them. I am so scared that they will take legal actiion and garnish my wages which will put in me a further hard ship. I cant even focus at work thinking about this situation.
01/03/2018	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Problem after you declared or threatened to declare bankruptcy	TX XXXXX	Web	Servicemember
As of XX/XX/XXXX I filed a Bankruptcy Chapter XXXX in XXXX, Texas Federal Court and Bankruptcy chapter XXXX was discharged on XX/XX/XXXX in which during this time Prestige Financial approve my car loan. Since XX/XX/XXXX Prestige Financial stated to me that I was going to get a lower interest rate lower than 17 % and is XX/XX/XXXX and nothing has been done to lower my interest rate and my loan balance keeps rising. Also I had a family XXXX in XXXX inXX/XX/XXXX and I could n't make a payment for XX/XX/XXXX and I explained the situation to Prestige by emails and they did n't want to accommondate so I can help my family in XXXX . I respectfully asked Prestige administration to put the payment of {$440.00} on the back of the loan and Prestige refuse to do it. Prestige stated that I have to wait for XX/XX/XXXX to get another exempt on payments. Now Prestige has me in collection of {$970.00} I told them that I can only pay {$440.00} for XX/XX/XXXX and that 's all I have. If I do n't pay the other {$440.00} they will put me in collection and repossession of my vehicle that I need for my XXXX XXXX XXXX with my doctor. I am XXXX XXXX and Retired. I am sending Prestige statement documents and my payments is {$440.00} a month in which I receive a letter agreement from Prestige Financial. Very Urgent Matters
01/23/2017	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	TX 76002	Web
I obtained an auto loan with Prestige Financial in XXXX XXXX. My last payment was XXXX XXXX. The vehicle was repossessed XXXX XXXX, and listed as a charge off in XXXX XXXX. Prestige Financial is reporting to XXXX monthly ( oftentimes twice per month ) that I have not paid them on time - as though the late payment just happened. I ignored the reporting initially, thinking surely XXXX is n't treating this as if it 's a new late pay every month ( when it shows as a charge-off back in XXXX ). I was mistaken - Prestige is manipulating dates and amounts owed. This practice of Prestige Financial has lowered my credit score by almost XXXX points. I 've disputed this reporting with XXXX several times throughout XXXX, the correct dates are restored, and no more then 30 days later Prestige picks right up where they left off - even doubling up as though to make up for the month missed while going through dispute. I know for a fact this effects my credit score because it 's the only time my score drops. To date I have disputed this issue four times and the negative reporting immediately reappears. My complaint is this - why is XXXX allowing this company to continuously do this? If I submitted a dispute every time Prestige Financial reported a late pay to XXXX I 'd be sending in disputes biweekly, this is unlawful.
01/15/2022	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	IL 60016	Web
ne would get back with me from prestige financial as soon as the car has been sold and they would tell me what I owe and how to go about setting payments up with the balance left remaining XXXX/2021- I filed a dispute with the credit bureau in regards to how they put the incorrect information on my credit and I sent in the copies of the emails back and forth with prestige XXXX/2021- prestige updated my account online stating that the charged off XXXX and past due XXXX and I tried to get an updated from prestige on the phone and no one ever called me back or sent anything in the mail. XXXX/2021- I spoke to XXXX XXXX and she said she no longer could speak to me and that I would receive something in the mail in regards to the selling of the vehicle and what amount I would owe. XXXX I receive a summons from XXXX XXXX XXXX in regards to XXXX XXXX stating that I would have to appear in court in regards to the vehicle. I never received anything from XXXX or XXXX XXXX XXXXXXXX in regards to owing a debt no one ever reached out to me in regards to the debt. XXXX/2021- I tried to make it to the court house which was an 1.5 away from me and I got there at XXXX and court was over for a XXXX court call. A default judgement was paced on me and I tried to call XXXX XXXX XXXX and no one ever returned my call.
02/25/2017	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	TX 75063	Web
Our payment is due on the XX/XX/XXXX of every month. For the payment due XX/XX/XXXX we are unable to pay until the XX/XX/XXXX, due to owing the IRS. We called our account manager XXXX who told us that this is an active collection 's account and that management is reviewing this account for repossession. We gave him viable payment arrangements, to make a full payments of {$280.00} three times in the Month of XX/XX/XXXX to bring the account not only current but should put us one month ahead. I work in car finance and to tell us they will repo the car before the car is even 30 days past due. We receive rude text messages from XXXX and get no customer service whatsoever. We have struggled before and there have been months where we had to pay less than what we owed but we have never gone a month without making a payment. The " account manager '' is basically telling us they would rather not take our money and repossess the car. They received XX/XX/XXXX payment, in full, one day before the due date. We have no family or friends we can borrow the funds from. In XX/XX/XXXX they received a {$5000.00} check from our insurance company due to hail damage. But still we are treated as loafers who continuously do n't pay. This company does not care about customer service and helping out their customers.
12/20/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	FL 32208	Web
On XX/XX/XXXX I was in communication with Prestige Financial via text message. I asked what was due and was given an amount of XXXX and was told the interest amount was XXXX. I asked if I made a payment of XXXX when would I be due again, the rep stated this amount would take care of XXXX, XXXX, and XXXX 's installment, which would get me current and back due on XX/XX/XXXX. I made the payment and followed up with the associate who told me I was all good and my payment was processed correctly. Today XX/XX/XXXX I get a text telling me my account is past due and I have to make a payment, reached out to the company via text saying this must be a mistake because I was assured that I would be good until XX/XX/XXXX. Then I was basically bullied and said either I can pay XXXX or my account will continue to show past due. I've asked for them to review the text messages and explain to me why this wasn't explained, and they told me I should've known that they were giving me a discount. But like I explained to them I didn't ask for a discount. I asked what was due and when would I be due again. The company refuses to acknowledge their wrong doings and basically is telling me I have to XXXX it up and pay more money because their the finance company and my car could be repoed and or credit impacted.
02/16/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	KY 40342	Web
On XX/XX/XXXX I got alert from Bank that Prestige Financial had tried to draft out {$440.00} out of my account but the amount wasn't there so it was declined. I called to speak with a customer service rep because I never gave them permission to store my card information and keep using. My mom paid her car payment using my card 1 time. They made her have me call to give them permission for use and I told them do not save my information for future use that it was only a 1 time use. The financial place refused to listen to me on XX/XX/XXXX and would not remove my card information until my mom called and told them otherwise. I stated to them that they never had my permission to even store the card information. Again, they refused. My mom called them and told them to remove my card information off that nobody have given them permission. Prestige Financial told my mom that they had removed my card. They lied!!! Today on XX/XX/XXXX XXXX I get another alert saying that my account declined Prestige Financial amount of {$440.00} due to the amount not being on my card. How can I get this stop! They are trying to take my money and the vehicle loan isn't even mine. Nor am I giving them permission to do this. They have been made aware 2 times and still basically they are trying to steal.
10/01/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	TX 770XX	Web
On Saturday, XX/XX/XXXX, my husband and I received a call from Prestige Financial, the company that finances our used auto after completing our 5-year bankruptcy. We have made payments of {$500.00} for over a year, within those years I requested they do not contact me because they were making aggressive calls before the due date and they're excuse was " we are just reminding you ''. I requested that they do not contact us via text or email. We made payments on time every month until a hurricane struck our area in XXXX. We were attempting to get back on track and notice we have been making large payments over a year and we were being treating as if we were criminals. I am now finding out that the person I was speaking with on Saturday was an account manager, name XXXX who felt is was necessary to speak rudely and becoming very disrespectful. We perceive this as intimidation tactics to scare consumers. This only makes us more angry and we refuse to put up with this!!! We spoke to several other lenders and were told the vehicle is not worth what we are paying and we are upside down on this loan. To learn this, paying an exorbitant interest rate and then put up with such professionalism while paying {$500.00} to these crooks is unacceptable. We are seeking legal recourse ....
08/17/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX XXXXX	Web	Servicemember
Prestige stated that they are not going to report any late deliquencies or repossession or collections or missing payments to XXXX, XXXX and XXXX because of my vehicle loan issues and disputes. Also accommondate me on my XXXX XXXX under my ADA Disability Act Civil Rights.under the Department of Justice. Is upon the discretion of a company management to report to credit reporting agencies and in good faith a full payment of {$880.00} was paid on XX/XX/XXXX on my birthday to accommondate the disputes of loan issues and interest rate of 17 %. The full payment was debited from my XXXX XXXX XXXX Checking account. I can not afford to have bad credit and low scores because I am trying hard to find me a lender that will lower my monthly payments of $ XXXX- {$440.00} and high interest rate of 17 % with Prestige. Is Prestige in Retaliation because I file various Federal Complaints and seeking to destroy my credit so I do n't have another lender? I am XXXX XXXX and Retired. Notice : My Prestige Account Loan # XXXX XXXX XXXX XXXX XXXX Purchase on XX/XX/XXXX in XXXX, Texas while under Bankruptcy Chapter XXXX proceedings. On XX/XX/XXXX I receive credit reporting Monitoring Alerts on 30 days late, Deliquencies, missed payments on my vehicle loan. I am a Military Veteran, XXXX XXXX.
06/27/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 75165	Web
My husband and I filed for bankruptcy in XX/XX/XXXX which was finalized on XX/XX/XXXX. A few days later on XX/XX/XXXX we got a car loan from Prestige Financial and have been paying on this van ever since. On XX/XX/XXXX we recvd an alert from our credit tracker thru XXXX XXXX and it stated that we have a new item added to our report. It stated NEW bankruptcy XX/XX/XXXX Lender Prestige Financial An account provider reports that when you filed for bankruptcy and listed this account as one of the ones you could not pay. This ins incorrect and this loan never should have been reported this way when we file bankruptcy in XX/XX/XXXX and defiantly never should be reporting in XX/XX/XXXX as a NEW bankruptcy. This has caused my credit score to drop XXXX points and my husbands XXXX. I have disputed with prestige and they stated its not their error and the loan has been reporting since the loan was opened and theres nothing they can do. I disputed with credit bureau and waiting on their response. It has been a ruff ride trying to get our credit score above XXXX and life hits you hard sometimes but when you are trying to get right this happened and knocked us back. After all these years of paying on our van its never been reported correctly and now showing up in XX/XX/XXXX.
09/20/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	VA 23112	Web
Prestige Finance has retaliated against me after my last CFPB complaint. I feel like i have been discriminated against have not been treated fairly. Previously, they provided incorrect information on my credit report stating that I was 30 days late XX/XX/2019. Well, after my last complaint with the CFPB, they have now added an additional 30 day late payment reporting for XX/XX/2019 reflecting that I'm 60 days late. I feel like I have been discriminated against even more after I filed a complaint. I have statements to support that I was not late for XX/XX/2019 nor XX/XX/2019 but they have added this to my credit file. Dropping my credit score down 16 points. I have asked if the XX/XX/2019 past due reporting could be deleted since the account is closed with a XXXX balance and was denied and a second late payment have been added. I intend to reach out to an attorney to see if I have any rights because this company has violated my consumer rights and I'm sure that they have broken many laws at this point. I have reached out to them on several different occasions and have been denied all rights that are fair and due to me. Please have someone who is interested in doing the right thing so that my credit report no longer suffers from their false and wrong doings.
04/02/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	WA XXXXX	Web	Servicemember
In XXXX of XXXX I purchased a used XXXX XXXX XXXX XXXX and got a car loan with Prestige Financial. The loan was for XXXX. We have been paying the loan payments on time never late since this time ( XXXX ) our balance currently is XXXX. We have made 19 payments yet the loan has gone down only XXXX dollars. We were promised a lower interest rate from Prestige if we paid on time which we have yet they have never applied the whole amount of the lowered interest rate. When we call in to inquire they mention all of these fees that we didnt sign up for but will never give us a detailed explanation of the fees. Our interest rate is high as we had just gotten discharged from bankruptcy, I understand that but this is above and beyond the huge 30 % interest. We are struggling to make the payment every month and the fact that all our payments are not making a dent in the balance is very frustrating. I got a letter in the mail from the auto loan company asking us to sign a form saying we believed their numbers were correct because they were being audited. I didnt fill out the form because the numbers are not correct. Also the numbers on the form are completely different from the numbers on my online account. Im hoping you will look into this as none of it adds up.
07/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30096	Web
There are numerous amounts of unauthorized credit inquiries on my credit report. I have already tried reaching out to the reporting company ( 90 days past ) or more to be exact & credit bureaus to removes these inquiries but havent received a resolution to my problem. Due to the inaccuracies reporting on my credit report have hindered my abilities to get loans or credit from companies. I ask that of CFPB to actively support my claim to get these items removed from the credit bureaus. Company XXXX / Inquiry date XX/XX/XXXX Company XXXX XXXX / Inquiry date XX/XX/XXXX Company XXXX XXXX XXXX / Inquiry date XX/XX/XXXX Company XXXX XXXX XXXX / Inquiry date XX/XX/XXXX Company Prestige Financial / Inquiry date XX/XX/XXXX Company XXXX XXXX XXXX DBA XXXX Inquiry date XX/XX/XXXX Company XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Company XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Company XXXX XXXX Inquiry date XX/XX/XXXX Company XXXX XXXX Inquiry date XX/XX/XXXX Company XXXX XXXX Inquiry date XX/XX/XXXX Company XXXX XXXX XXXX Inquiry date XX/XX/XXXX Company XXXX/ XXXX XXXX XXXX Inquiry date XX/XX/XXXX Company XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Company XXXX XXXX XXXX Inquiry date XX/XX/XXXX Company XXXX XXXX XXXX / Inquiry date XX/XX/XXXX
06/21/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CO 802XX	Web	Servicemember
I purchased a XXXX XXXX from XXXX XXXX XXXX XXXX. The car had a fire and was deemed a total loss on XX/XX/XXXX. My insurance company XXXX paid the total loss claim of {$6100.00} on XX/XX/XXXX. Prestige Financial was the lienholder. I had purchased a Gap policy when I purchased the car. Prestige refused to pay the Gap claim and attempted to sue me for the residual balance. I went to court in XXXX County regarding this matter in XX/XX/XXXX. I filed a complaint with the XXXX State Insurance Commission and the XXXX Insurance Board for refusal to honor the GAP policy. XXXX issued a payment in the amount of {$2200.00} to Prestige Financial. Prior to XX/XX/XXXX, I paid XXXX. Additionally I made payments of {$500.00} XX/XX/XXXX, {$250.00} XX/XX/XXXX through XX/XX/XXXX. XX/XX/XXXX my paycheck was garnished in the amount of {$860.00}, XX/XX/XXXX {$860.00}, and XX/XX/XXXX {$870.00}. The total amount paid to Prestige is {$24000.00} between my payments, XXXX payments and GAP insurance. The creditor is reporting on XXXX as a collection on my credit report. This is negatively affecting my credit report I have made numerous attempts to resolve with the company as well as to dispute on my credit report. The collection was updated on XX/XX/XXXX.
02/04/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	OH 44122	Web	Servicemember
On XX/XX/XXXX, I contacted Prestige Financial regarding my auto loan being very high at almost 20 %. I spoke with XXXX and asked about reducing my rate. XXXX told me I could make 3 on time payments or add auto pay to my account. She informed me the rate was reduced to 19.74 %. XXXX is very unprofessional, condescending and calls on the day the payment is due. There's absolutely no grace period. I was 30 days late with my car note once, back in XX/XX/XXXX. I feel this rate is predatory lending for veterans who've had financial hardships. I recently discovered through XXXX my vehicle has structural damage and it's worthless!!! The vehicle 's history was never disclosed to me at the time of purchase. I purchased my car for $ XXXX, by the end of my loan, I will have paid over $ 26K. I purchased my vehicle in XX/XX/XXXX, after filing bankruptcy. My bankruptcy attorney referred me to an auto program called 722 Redemption. They " offered Chapter XXXX debtors alternative to costly vehicle reaffirmations ''. Through the 722 Redemption program, I bought my car from the XXXX XXXX dealership in XXXX Ohio. Now I'm stuck with a worthless vehicle, an outrageous interest rate and $ XXXX in negative equity. Please help. Thank you, XXXX XXXX
07/17/2019	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	GA 30067	Web
My husband and I have been customers of Prestige Financial for almost 6 years. In the beginning we have had a hard time paying this loan because of the fact that the payments were too high to begin with. At times they have been gracious in extensions and discounted payments. For almost a year we have been dealing with harassment for payment in the most degradable and despicable actions by their account managers. To me they seem to get a rush of satisfaction from this behavior. I can honestly say that the only person who has shown us respect were the repossession specialist. Over 8 months ago my husband had a XXXX XXXX XXXX, he is still suffering from that and has to have more XXXX. I have recently been diagnosed with an XXXX XXXX that was coincidentally caused by XXXX. My husband is already on XXXX and I am 7 months into my application for it. I understand that it is an attempt to collect a debt however this is and has caused XXXX XXXX and XXXX. Not to mention that when I told the account manager to wait until XX/XX/2019 to take a payment out he didn't heed the warning and he totally over-drafted our account twice and the bank won't give us the money back. These tactics must stop before they cause irreversible damage.
03/20/2022	No	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	VA 23237	Web
I purchased a vehicle in XXXX which was financed through Prestige Financial Services. My vehicle was charged off a few years back. I currently still have said vehicle in my possession and I have an agreement with Prestige where I am making WEEKLY payments to the company. Recently, I pulled my credit report and Prestige has my balance incorrect and shows $ XXXX monthly payments. The last payment showing on my credit report to them was from XX/XX/XXXX which is incorrect. Prestige takes automatic payments from my account WEEKLY, and has been doing so for the last two years or so. I disputed these inconsistencies through the credit bureau as " incorrect balance '' and as not showing " pays as agreed ''. After being contacted by the bureau 's, Prestige has yet to report anything correctly which is holding my credit score down. They have only moved my balance by {$140.00}, when it should be way more than that. My weekly payments amount to $ XXXXmonthly. Not only do I have bank statements to show these deductions, I also have text messages from a XXXX XXXX will leave his last name out for protection ) detailing payment dates, amounts, and agreement that I had to approve. *Documentation will be provided if needed*
10/15/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	IL 60419	Web
My auto loan company started to call me at my place of employment, leaving messages on a shared voicemail, sending emails through my work email, making repeat phone calls through my work phone. When calling my work cell at no time do they ever mention 1. who they are 2.that they are debt collector, just their name and to call them. After getting repeat phones calls from the time I arrive at work until XXXX at night. XX/XX/XXXX I sent a email to the manager to stop harrassing me while I 'm working. i received his response on XX/XX/XXXX stating the he place the cease and desist on my account, as per my request and will be honoring the cease and desist going forward. However sin the last few months I have received over XXXX threatening calls/emailed combined on my work phone and shared email account. when i post my XX/XX/XXXX payment on line as requested by a letter i received in the mail that it must be paid by XX/XX/XXXX, immediate after it posted I received another threatening call telling me I 'm still not caught up. Please help me in this matter I 'm a XXXX and receiving all of these threatening calls and emails are causing a great deal of stress and try to do my job so that i will have monies to pay my loan.
10/03/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	TX 78634	Web
Since l file various complaints against Prestige Financial services in XXXX Utah in regards of my car loan account # XXXX l have not received any official lower affordable monthly payments under {$400.00}. The interest rate on my car loan is still 17 % and balance as of {$20000.00} since l purchased vehicle XX/XX/XXXX XXXX with XXXX miles. Balance keeps increasing over {$20000.00}. I have requested a payment at around {$350.00}, because l can not afford to make payments of $ XXXX payed a {$440.00} on XX/XX/XXXX so l do n't get my car repossessed and have negatives on my credit report with Experian.Equifax.Transunion. Prestige Financial services rep reduce my monthly payments to {$440.00} @ month, but payments is unaffordable. If Prestige Financial services does n't want to lower my monthly payments, they can take back the car and do n't have no negatives or debts on my credit report or record. I ca n't refinance the loan with another lender, because of Bankruptcy chapter XXXX, but Prestige Financial services can refinance and lower car payments to {$350.00} Prestige Financial services in XXXX.Utah reps knew about my Permanent XXXX lifetime and retired status. Prestige Financial services contact XXXX
07/19/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	TX 77090	Web	Servicemember
On or about XXXX XXXX, XXXX, I contacted the lien holder of my vehicle, a 2014 Hyundai Sonata, to inform them of a recent financial problem I experienced during my home buying process. I spoke to an account manager by the name of XXXX or XXXX and informed them that a homebuilder in the XXXX area refused to return earnest money I applied against an inventory home. The builder refused to sell the house to me and I immediately requested a refund. I am currently 18 months into Chapter XXXX bankruptcy and I made arrangements to double my monthly car payment of {$440.00} for an {$890.00} payment to be debited from my checking account in XXXX. Prestige Financial debited the XXXX payments and then reported my account 30 days for the month of XXXX. I requested stating that payment arrangements were made and that according to the account manager, I would not be reported late to XXXX and XXXX. I believe that Prestige Financial and my bankruptcy attorney failed to work with me in good faith to prevent this devastating situation from occurring. I am still very much involved in my home buying process and I am extremely distressed by the conduct of Prestige Financial in regards to the handling of my account.
03/02/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	CA XXXXX	Web	Servicemember
Prestige Financial Services debited {$440.00} out of my XXXX Bank Checking Account in ending # XXXX on XXXX XXXX, a arrangement and agreement was made between me and Prestige in writing about the XXXX XXXX auto loan payment to be included on the agreement Extension. Payments of {$440.00} was supposed to be implemented on XXXX XXXX and continuing payments on time. On XXXX XXXX around XXXX as I received a email alert from XXXX on issues and I made contact to XXXX bank and explained to XXXX Rep on issues and filed a claim. Also on arrangement contract on my Auto Loan with Prestige I respectfully requested that Prestige remove and delete the 30-60-80-90 days late and Deliquency on my credit report from XXXX, XXXX and XXXX so my credit can be in prosperity. Prestige Account Vice President stated that she was going to remove and delete the negatives from credit report once the agreement is signed on XXXX XXXX and on XXXX XXXX the negatives will be deleted from my credit file from Credit Reporting Agencies. I am XXXX Lifetime, Retired and a XXXX XXXX Honorable Military XXXX and I am on my XXXX I am protected under the ADA Disability Civil Rights Act under Department of Justice.
11/21/2020	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem while selling or giving up the vehicle	IN 46221	Web
We chose to voluntarily surrender our vehicle and contacted Prestige numerous times throughout XX/XX/2020. They refused over and over to accept the surrender. We forced the surrender on XX/XX/2020 and sent Prestige a certified letter stating our intention as well as left a copy of the letter in the vehicle that we surrendered. As of XX/XX/2020, our account was current. We did not have any late payments prior to the surrender of our vehicle. Prestige continues to post inaccurate information on both XXXX and XXXX XXXX XXXX credit reports. Prestige claims late payments on the credit reports, which is inaccurate as we surrendered the vehicle and ending our contract on XX/XX/2020. They are currently posting that the account is open, incorrect amounts due with late payments, both of which are inaccurate. We have disputed them numerous times and have given them chance to correct the information. They have refused to do so, continuing to make incorrect claims on our credit reports. As of XX/XX/2020, we have not been given notice of the sale of this vehicle and a final balance and Prestige continues to manufacture information and fraudulently report on our credit reports.
04/24/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	IL 60616	Web
I took out a predatory auto loan with Prestige Financial over a year ago. This has been the loan from XXXX. I was fresh out of ch XXXX BK, and the lender took full advantage of me in a vulnerable state. I'm paying 23.99 % int, and the account manager named " XXXX '' has been harassing me via txt/sms messages and emails for over a year. After a year, I have only paid {$92.00} towards the principal after 12 payments which is complete robbery. I have used loan calculators and can not come up with how they are doing their math. We are currently in a pandemic, and lenders are supposed to work with borrowers, but not this company! I have a string of txt messages dating back months and during the current pandemic of XXXX harassing me for payment even when I'm 5 days late. She continues to threaten to repo the car even during the pandemic and they reported me to the credit bureau 30 days late while I was furloughed due to corona. There is no way this company is operating legally and I need help. I have the text/sms thread of all of XXXX 's continued threats even after I told her to stop harassing me at work she continues to threaten to repo the vehicle.
11/29/2017	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	CO 80004	Web
I receive more than 3 calls texts messages and emails everyday. They know I am having trouble with my employers banks check clearing. They transferred banks and my bank will not release the funds until the check has cleared the other bank do to the holidays, that is taking extra days unfortunately. I am 1,000 away from home on an emergency family trip and I am getting harassing phone calls telling me know matter where I am that my phone will always work and I am to take there phone calls NO matter what the circumstance or respond to their text messages even if I do not receive them. I am told I need to resolve the problem immediately to Secure my loan. I am only 30 days behind and if they give me to XXXX XXXX which is 3 days I will make the payment. These calls texts and messages have been ongoing for almost a month now. Every time I get a new loan counselor or supervisor there is never anyone the same. They are ruse threatening and unprofessional for a debt collection business they use terms and words to scare you into doing what they want not what you can do and provide a solution for the problem. Wishing me Good luck at the end of a voice mail.
12/17/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	FL 32828	Web
I entered into this auto loan with Prestige Financial inXX/XX/XXXX. The amount that I financed was {$16000.00}. To date, I have paid Prestige Financial a total of {$28000.00}. On XX/XX/XXXX I spoke to an associate and asked for a payoff amount for this vehicle. She indicated that I would need to pay an additional {$5400.00} to satisfy this loan. I have already paid Prestige Financial a grand total of {$28000.00}. If I were to payoff this vehicle today with that payoff amount, I will have paid Prestige Financial {$16000.00} more than my original loan. More than double the amount of my original loan. HOW is that a reality? There is no reasonable explanation for paying Prestige Financial more than double my original loan. On XX/XX/XXXX I asked Prestige to address this issue that day. As far as I am concerned I have more than satisfied my obligation to Prestige. I have already paid you {$11000.00} MORE than my original loan. That HAS TO have satisfied any interest on the loan. Prestige insists that I have not satisfied my loan according to my loan agreement and has yet to provide me with verbiage indicating how I still owe any more on this loan.
09/13/2017	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	TX 75287	Web
I was told by my bankruptcy attorney to surrender my vehicle and was referred to auto dealer they had a 'deal ' with to get a new vehicle. Was financed by sub prime lender called Prestige Financial. I was laid off and have been struggling with my health for some time. I 've asked to lower payments or refinance and sometimes they do lower payments but they wo n't renegotiate terms and when I said that I would need to try and get out of vehicle XXXX XXXX as well as all the employees that report under him, are rude and say things like no one will help me, I 'm 'XXXX ' if I do n't make my payments, they pressure me to surrender the vehicle but then rescind saying why would they want that if they want their money. I have told XXXX XXXX and XXXX that they are rude, disrespectful and that I know I have an obligation but I need to take care of my medical condition as well. I can not keep my composure speaking with them anymore, I ca n't remain calm its impacting my health further since not only am I under duress I have to deal with their abusive tactics as well. I 've asked for call recordings, etc but they never can seem to find those details.
06/19/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	AL 350XX	Web
Prestige Financial scammed me. I had a 7 year pay out on my car. I'm going on 8 years and they are still saying I own XXXX today on this car. I have paid all additional fees and they're still XXXX money out of me. I called several times and they don't listen. Rude as ever. They would call, text, and email me at the same time. They have threaten me. I have return check fees I never authorize. Late fees when my payments are on time. This company has scammed me like crazy. I really need legal help. They make up bogus lies. I have paid close to XXXX on a XXXX car. They will not send me my title for a car I've paid off already. It needs to be a class action lawsuit filed against them. The only reason I keep paying is because my credit will go bad if I don't. Please help. I have been living in XXXX for 8 years. My bills get behind because this place is adding more interest in fees by the day. I'm not even suppose to have interest anymore my pay out was paid 7 years ago. It's year 8. When I tell the customer reps, it's wrong how they are doing me, they say well if your credit wasn't bad at the time you would have a better loan. This is crazy.
02/10/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	GA 30127	Web
I purchased the XXXX XXXX XXXX in XX/XX/XXXX for my ex-husband. In XXXX we separated and he could no longer pay we called for the vehicle to be picked up and it was repossessed in XX/XX/XXXX. At the time I owed just over {$13000.00}. In XXXX XXXX XXXX reached out to me and said I owed over {$30000.00} they said they could charge interest continuously even though they had already had a car and even though they had sold it to someone else. Towards the end of XXXX I obtain an attorney regarding this matter well in XX/XX/XXXX I was diagnosed with XXXX and I took a leave from work so I was no longer able to pay the attorney and not working so in XX/XX/XXXX XXXX XXXX obtained a judgment against me because I could not make it to court. I just return to work XX/XX/XXXX and yesterday I received a letter stating they I tried to garnish my wages now for an additional {$11000.00} interest so now they want over {$41000.00}! I cant understand why interest is continuing to accrue when theyve had the car back since XXXX and sold it to someone else actually. I also was never even credited for that sale These are unfair practices by XXXX XXXX
11/04/2019	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	CA 94565	Web	Servicemember
Prestige Financial Services Administration will not provide me a financial hardship assistance as my Dad passed away recently and need funeral expenses as he didn't have life insurance. I respectfully request Prestige to provide me a deferment and extension and Prestige Rep.Mr.XXXX XXXX stated that company can not extend my XXXX XXXX payments until XXXX XXXX. So l can make a total payment of {$840.00} on XXXX. Prestige stated by email that a 30 days late payment will be reported to XXXX, XXXX and XXXX credit report agencies to damage my credit as they have done already I am respectfully a requesting and not demanding I have filed many Federal government complaints against Prestige Financial Services. I will ask President Trump and Congress to support me on Prestige issues. I am respectfully XXXX XXXX, Retired and a US XXXX XXXX Military Veteran. Prestige makes billions of dollars and they can not support our Military Veterans and all Citizens in the Community on family death emergencies? As far extending payments. Now, Prestige will destroy my credit by reporting 30 days late to credit bureaus. Urgent matters!
07/30/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	VA 23703	Web
Several times I asked agents at Prestige Financial Service not to contact me by phone concerning my car loan, yet they persistently called me four to five times daily during the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/2018. I was even called by an agent named XXXX on XX/XX/XXXX repeatedly although I texted her to tell her I was at my Mother-in-Laws funeral. I made payments om this vehicle for three and a half years, yet they are saying that the payments went to principle and that the amount owed is nearly as high as the purchase price. Also I was told by an supervisor named XXXX XXXX, that they were in violation for calling after I repeatedly as them not to call me anymore, yet XXXX XXXX, XXXX XXXX, and Ms. XXXX continued to call, especially during my work hours, which landed me in a lot of trouble by my phone continually ringing. Now that I have agreed to surrender the car ( which they have ) they are still reporting it to all three credit bureaus that I'm missing payments. I'm asking that you please help me in getting this straight and getting Prestige Financial Service out of my life for good. Thank You.
12/28/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	GA XXXXX	Web
I have been disputing an account with Prestige Financial, XXXX and XXXX for over 4 years now. I was a victim of Identity theft where I've provided a police and identity theft report several times. Everytime the account come back vertified and accurate, which is expect with me being a victim of identity theft. I have ask all companies to take extra steps to resolve this issue for me and i am doing the same to the point i want to hire an attorney and sue. I've called and spoke with Prestige rep by the name of XXXX XXXX where a document was provided with a signature that wasn't mines. I was also informed of the fraudulent activity on the actual account. So the account was open in my name and they used other people account numbers to pay the payment each month. As i explained to the rep if that wasn't enough red flags of fraud what more would be needed. I am making this complaint today with hope of you guys being able to help me get this issue resolved and delete and blocked from my credit report. I have exhausted all options and help this complaint is my last path before having to pay a lawyer to become involved.
02/18/2021	No	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	NC 27614	Web
I opened this account as a loan in XX/XX/XXXX at the total finance charge of XXXX. Since then Prestige has been paid over XXXX. The car book valve was XXXX in XXXX for the XXXX XXXX. It was agreed to pay a total of XXXX. Prestige Financial has been paid more than XXXX from myself, XXXX XXXX XXXX XXXX, GAP Insurance and XXXX XXXX XXXX Car lot. I was in a car accident on the job on XX/XX/XXXX in which the car was declared totaled. The accident was the fault of the other party who admitted the car accident was her daughter 's fought in the accident I received a sprang back and could not go back to work. The insurance company paid the book value of the car which was over XXXX, GAP insurance paid over XXXX, XXXX XXXX XXXX paid XXXX, and GAP paid an additional XXXX. Prior to theses payment I had already paid Prestige over XXXX. At the time of the accident the book value of the car was only XXXX. The car was sold in XXXX by the insurance company. I do not have possession of the car nor have assess the the title of the car. Prestige can not provide me with a contract after receiving full payment of this vehicle.
12/08/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 93637	Web
Subject : Deletion of Unauthorized Credit Inquiry & Retraction. XXXX XXXX I am writing to formally request the removal of an unauthorized credit inquiry made by your institution on XXXX, XXXX. After reviewing my credit report, I noticed an inquiry listed under my name without my consent or knowledge. The inquiry was made on XXXX, XXXX, and was not associated with any credit application or agreement initiated by me. As a result, I did not receive any benefit or services from your institution corresponding to this inquiry. I kindly request that you investigate this matter and remove the unauthorized inquiry from my credit report as soon as possible. I understand that these inquiries can impact my credit score, and given that I did not engage in any transaction or seek credit from your company, I urge you to rectify this error promptly. I also demand retraction of any application or security in your possession. Please provide confirmation once the unauthorized inquiry has been deleted from my credit report. I appreciate your prompt attention to this matter and your assistance in resolving this issue.
03/20/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA XXXXX	Web	Servicemember
Prestige Financial Administration are in Retaliation and Discrimination against me as a XXXX US Military Veteran. I have filed many complaints with Federal Government and Company are in Retaliation because of file complaints. Prestige has violated my ADA Disability Ac t under Department of Justice.and both Federal and State Laws. On a phone conversation of XXXX with Prestige Account Vice President XXXX XXXX she promise to remove all derogatory remarks on my credit report with XXXX , XXXX and XXXX and support as a US Military Veteran. Now she denies on promises and only spoke with XXXX on the phone and not with XXXXXXXX, Prestige Compliance Manager. XXXXXXXX just want to protect XXXXXXXX and the special interest of the company from any Federal Violations Law Sanctions. XXXX credit Reporting Agency stated they receive the verification of Derogatory remarks removals of XXXX days of XXXX from Prestige credit department by electronic message or verbally.. XXXX XXXX XXXX receive also the derogatory removals from XXXX. on XXXX XXXX. It appears that Prestige has business partnerships with XXXX, XXXX?
11/03/2017	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	TX 761XX	Web
Long story short Prestige has deliberately falsify information to my account by not crediting payments and adding fees to my account. These are predator lending tactics by increasing the balance of the loan. Example balance was XXXX one month the next month its XXXX The duration of loan was 60 months beginning on XXXX XXXX2013. there has been a total of 48 payments paid including 2 lump sum payments and attorney fees. Also they never reduced the interest rate as stated in the contract after the first year ... .Prestige is reporting inaccurate balances and misleading information on balance and payoff. I DO NOT OWE XXXX on this loan. This is disputed by myself and the Bankruptcy Court. Prestige are steady harassing me about my loan with unwanted phone calls about my loan is 27 days late, and threats .The loan is current and ahead, if they would apply the payments correctly. Prestige needs and give me credits for lump sum payments that were never applied to the principle balances ... Prestige has very bad history of scamming consumers. Consumer reviews are the worst ever ... This needs to stop!!!
05/10/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	CO 80004	Web
I am continually harassed about making my payment. They will send me text messages saying they are making a payment with or without my authorization. I am never more than 10 days past my due date when making a payment. They continue to text me and tell me they will repossess my vehicle the next morning if I do not make a payment immeadiately. If I am unable to take their phone call they will call a list of references I was required to give them to be able to finance my vehicle. I have not given them the authorization to harass my references but they do. I ask them for proof of the ability to repossess without giving me a 10 day notice to cure which they have not and I am repeatedly told its in my contract and they will highlight it and send it to me. Never have I received this document. Upon my financing I was told that this was the only company that would finance me but that was not the case I was also approved by XXXX XXXX XXXX as well but not given the option. This company I am financed with I was not told is owned by the dealership I used. I found out after they sent my loan information.
05/08/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	CA 92126	Web	Servicemember
I took a loan for a used vehicle through XXXX XXXX XXXX in XXXX XXXX CA. The loan was financed through Prestige Financial services. The dealership informed me my first payment would be due XX/XX/XXXX. This company has never sent me a bill. I have no record of what my payment options are or where to pay. They started texting me around the XXXX of XXXX, but I immediately informed them to stop, not knowing if the text messages were legitimate or a scam. They are still continuing to text my wife who is a co-signer. As of Thursday XX/XX/XXXX I was forced to call them to ask how I was supposed to pay. Friday XX/XX/XXXX I called back, because the account number given to me by " XXXX '' came up incorrect on their website. I called again Saturday XXXX. As of XX/XX/XXXX, they still have not returned my calls, but again continue to text my wife, without our consent to text messaging. During the phone call on XX/XX/XXXX the gentleman I spoke with blatantly told me they do not send bills ( which makes it impossible for a new lendee to make a payment ). I was told " we do everything by text. ''
10/04/2017	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	TX 770XX	Web	Servicemember
My spouse and I reside in XXXX, Texas where a hurricane brought on a disastrous flood waters. Soon companies started making provisions to customers to allow time to make payments, including Prestige Financial. I contacted the company to make arrangements for XXXX payment to be made in XXXX ... .the end of XXXX. I received an email, which did not address when the payment would be comfortable for us to make after this disaster, what was offered I decline, the company seem to propose two payments in onXXXX month, over {$1000.00}. I decline, a manager emailed, I call back to discuss, the person was n't trained very well and only stated what the needed in 28 days and what they can not do. This sounded more like soft collecting ... she told me that no fees or negative reporting would be done, I stated to her when we could make XXXX 's payment, which would be XXXX XXXX, and continuing after. Which is the actual date of current payments, a collection letter dated on XXXX XXXX arrived threatening repossessions and law suit, I will provide emails and copy of letter in a separate complaint.
01/26/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	TX 78233	Web
Hello I recently had a account with Prestige Financial Services , Inc. I was under the impression I was a co-signer on a car but actually I was the owner. I was trying to help a friend out. Once she started falling behind on the payments I started getting harassed by phone and email also at work. I pleaded with them to pick up the car talked to numerous of managers. She they told me no since she was making payments. But if Im the owner what I say should go. Regardless if she made the payment. I even worked with them to locate her so they can pick it up. Still nothing and this goes back since XX/XX/XXXX. I informed them to please pick the car up since she didnt have a driver license anymore. They still refused too now were in XXXX and I have a charge off on my account. Due to bad debt/natural disaster. That is stopping me from progressing in life. From buying a house, car, business loan etc. If anything I should have a repo not a charge off since they sold the car anyways. I gave them written consent to pick up the car I have plenty of emails stating my case the account # is XXXX
06/06/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	MI 490XX	Web
About 13 years ago, I had bought a car that was financed through Prestige financial, out of Utah. I had made a few months payments, until, it was not financially feasible to continue with the loan. I had asked them what my options were, and finally found someone to take over the loan. The person that took over the loan, made 1 payment, then defaulted, and did not. Follow thru with the transfer of the loan. Pristige, ended up getting the car back, selling the car, then months later I was contacted, saying that I still owed, around XXXX for the car. I had tried, to work something out with them, 13 years ago!! To no avail. Meanwhile, I just received a letter from my employer that they got a judgment against me for {$26000.00}!!! And, are going to garnish my wages. The car was worth about {$5000.00} max. I was living in XXXX, when this happened, and currently live in XXXX. What can I do?? Prestige, has a horrible record of predatory lending, and are abusive, in there practices. Since this fiasco, I have financed and paid off! 2 vehicles. Please help. Thank you.
05/09/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	CA 94607	Web
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
01/30/2020	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 94565	Web	Servicemember
On aroundXX/XX/XXXX l returned the XXXX XXXX XXXX XXXX that l purchase in Texas on XX/XX/XXXX as l was in process of Bankruptcy Chapter XXXX and Prestige approved the auto loan in which they was supposed to wait after my Bankruptcy Chapter XXXX and Judge discharged of XX/XX/XXXX. On XX/XX/XXXX l had major mechanical issues with vehicle and l was overcharged on purchase of vehicle and fraud auto purchase and loan with a high interest of 17 %. I respectfully requested that Prestige Financial Services pick up vehicle at XXXX XXXX XXXX, XXXX California with their third party vehicle recovery tow and vehicle was recovered with no issues. A vehicle inventory inspection was implemented with pictures and video for evidence for Federal government complaints case. Vehicle was returned to Prestige with no mechanical issues, etc. Since vehicle is returned to Prestige, there should be no Retaliation against me and been placed under collection to recover any remaining balance of {$17000.00} or any other amount after Prestige sells the vehicle in a auction.
05/05/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Problem after you declared or threatened to declare bankruptcy	WI 53223	Web	Servicemember
In XXXX of 2019 the vehicle was put in a chapter XXXX bankruptcy. by my significant other. I was unaware that my new vehicle was put in a bankruptcy because me and my husband are separated. When I found out I talked to the attorney and had my vehicle removed because I am a non-filing spouse. I contacted prestige financial to continue with my payments. Which I have been doing so ever since. I have not been late I have been calling in my payments or they have been calling me for the payment. I asked for a monthly statement they can not provide me with the monthly statement, I asked for a payout of exactly what I owed they could not give me any information. I have a account manager with prestige financial by the name of XXXX. me and her went back and forth about the car being wrote off as a bad debt on my credit report but yet I'm making payments and they can not provide me with any financial information regarding what I'm paying for. And that is the reason why I'm reaching out to you to see how can I resolve the situation or either get rid of the car.
01/21/2020	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	NM 87114	Web
I purchased a car on XX/XX/XXXX in the amount of {$17000.00} with an interest rate of 21.13 %. I let the car go and the car was sold for {$6100.00} in which Prestiage Financial received payment of that on XX/XX/XXXX. I have paid {$10000.00} in payments and I have been getting garnished and have paid {$8300.00} and paid voluntarily {$1500.00} to stop the garnishment. They have been unfair and stating I still need to pay {$250.00} a month on top of garnishment in XX/XX/XXXX and a payment of {$1500.00}. According to my calculations Prestiage Financial has received {$26000.00}. 63. They keep threatening me they are going to keep garnishing my wages and greasing me with phone calls. I never received a judgement letter to go to court as they send it to an old address when they new my current address and failed to send it to the correct one and stated they had no control over that. I am tired of being threatened by them and I have almost been evicted on several occasions due to this. I am seeking help in regarding this matter and an investigation.
11/27/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	IL 60446	Web
On XXXX XXXX, 2017 I went into XXXX XXXX XXXX with my pre-approval letter from XXXX to test drive a Red XXXX. The manager XXXX XXXX requested credit report with out my knowledge and consent. Because of this my credit was ran resulting XXXX Unauthorized inquiries. The next day I went back to the dealership asking for his supervisor. XXXX XXXX the General manager asked me to explain what happened and as a result typed up a letter on the companies letter head to all the Financial companies and credit reporting agencies requesting that they remove the inquiries on behalf of XXXX XXXX XXXX. Unfortunately, as of today NONE have been removed. Since then, I 've called, faxed, sent certified letters that XXXX XXXX drafted to each company as well as the credit bureau asking that that they be removed. Nothing has been removed a year later. I 'm in the process of purchasing my first home and these XXXX inquires are hurting my credit worthiness and credit score. The company is requesting that they be removed and now I 'm asking that they be removed!!
05/22/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	TX 77489	Web
Good Afternoon : I was sold a vehicle with a rebuilt title during my bankruptcy proceeding. Since I had the vehicle from XX/XX/2016 there have been major over hauls done on it about {$5000.00} worth. In XX/XX/2016 while on Family vacation in XXXX the truck stopped on us and would not restart. I purchased a battery and new starter neither of those fixed the issue, so my brother ended up towing us to XXXX. I emailed XXXX XXXX XXXX the Vice President of XXXX XXXX and XXXX XXXX a account rep on XX/XX/XXXX. I asked them to come get the vehicle because I was not going to pay for a truck again that I could not drive they have not came yet. XXXX XXXX keeps calling and sending emails saying I can't run from my responsibilty and that I still owe a debt. I emailed agin on XX/XX/XXXX and no one has come get the vehicle. I need them to one STOP CALLING MY JOB. We can't receive personal business call and two come get their vehicle from XXXX XXXX XXXX XXXX XXXX XXXX. If XXXX calls my job again I will pursue legal action against her and XXXX XXXX.
11/22/2019	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	CA 94565	Web	Servicemember
Prestige Financial Services Administration proposed a settlement of {$12000.00} on sale of my XXXX XXXX XXXX with XXXX miles on it. Prestige Financial Services Administration stated they will settle for {$12000.00} but remaining balance of {$5000.00} on the loan will be reported to XXXX, XXXX and XXXX credit reporting bureaus to destroy my credit and credit scores and put me in more financial hardship as l am respectfully XXXX XXXX and XXXX and on fixed XXXX Retirement income. There is a dealership or car Organization of XXXX that's offering {$12000.00} for the vehicle as XXXX has sent me a email forwarded to Prestige Financial Services Administration Mr.XXXX XXXX that XXXX will purchase the vehicle for {$12000.00}. The vehicle is well maintained by me and there is no mechanical issues on vehicle as a California certified mechanic check all the safety on the vehicle and conducted Tune up, brakes and any repairs on vehicle. Vehicle has new tires and is very cleaned. Vehicle is insured by XXXX insurance.
01/27/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	WI 53219	Web	Servicemember
This past XXXX my chapter XXXX bankruptcy was discharged. Originally I was going to reaffirm the car loan I had with XXXX XXXX. InXX/XX/XXXX I decided to turn the car in thru the bankruptcy rather then reaffirm the loan. Finally onXX/XX/XXXX they sent someone to pick up the car. I started checking my credit report and scores shortly after this and each time noticed that Prestige was still reporting that I had the loan and was behind on payments. I tried contacting XXXX and did a dispute and whe the investigation was complete it stated it was correct from the info they received from Prestige. I have disputed this on 3 occasions now. I have also contacted Prestige on 3 different occasions and each time the person i have talked with has said yes I was right and they would report it to there credit reporting department. Nothing is happening with this as it still is showing as a debt that is now more then 120 days behind. I have not had this vehicle since XX/XX/XXXX and would like this off my credit report.
03/06/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	AL 360XX	Web
My name is XXXX XXXX. At the time of my accident XX/XX/2022, my name was XXXX XXXX. My insurance company paid {$16.00}, XXXX received XX/XX/2022 and my gap insurance paid {$240.00} received on XX/XX/2022 which left my principal balance at {$320.00} and as of XX/XX/2022 it was according to XXXX XXXX of complaint department {$310.00}. I've attached the email/attachment to confirm this. I made a payment arrangement for $ XXXX starting XX/XX/2022. Late XX/XX/2022 our family was going through hardship so I called to have my payments reduced to $ XXXX. I lodged a complaint and a XXXX called me. I told him my situation and asked him if he could change my payment to $ XXXX. He said no but I could make the $ XXXX payment because the interest will not be damaging. Now, I believe I've overpaid this balance yet I keep receiving threatening emails ( attached email ). Or they are charging me a lot of interest. I'm writing you to investigate because something isn't right. I feel like they are taking advantage of me.
05/08/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	MO 631XX	Web
My vehicle was declared a total loss by the insurance company. I have both full coverage care insurance and GAP insurance to cover the vehicle contract for fees that the insurance company did not cover. My insurance company paid the claim and the GAP carrier provided information to cover additional expenses with the exception of a $ 54- {$56.00} NSF fee that was incurred earlier in the contract period. After those payments were received by the vehicle lease company I was charged excessive 'interest fees ' on the outstanding balance. The only outstanding balance was an old NSF fee that the company neglected to advise me of. I do not believe it is in the consumer 's best interest to have interest fees assessed on an amount that was not disclosed until AFTER the insurance company declared the vehicle a total loss. I also do not believe it is in the consumer 's best interest to have interest fees assessed on an amount that is different from what was provided to the insurance company and the GAP carrier.
07/01/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	OH 45373	Web	Servicemember
Prestige Financial Services They did a charge off on a account on my credit report. They are still showing a balance of {$9300.00} since they did a charge off and its been more than 180 days the balance should be XXXX. We were also told this was removed and the account is still showing. I disputed this item at least 5 times with letters and the credit bureau still say the account is accurate and remain the same. All disputes I did was followed by the FCRA regulations. I started my dispute letters XX/XX/XXXX XXXX, XXXX, XX/XX/XXXX. XXXX XXXX XXXX XXXX they did a charge off on this account and the balance is showing {$2900.00} which it should be XXXX its been longer than 180 days. In XXXX when we bought our house they agreed to remove it because they sold the item to someone else but they are still showing on our credit which it should be removed. XX/XX/XXXX, XX/XX/XXXX sent two disputes, XX/XX/XXXX sent 2 disputes. All disputes followed the FCRA regulations. Our realtor can even vouch for this!
05/08/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77049	Web
I've disputed with Prestige Financial Services as well as with the credit bureaus directly. This is for a auto repossession in which the car was sold and the amounts being reported to all 3 bureaus are inaccurate, the dates of last activity are all inaccurate, etc. In addition, I am being hit with late fees and late payments are being reported on a monthly basis on a CHARGED-OFF ACCOUNT. How is this possible? According to the FCRA, all information being reported must be ACCURATE AND COMPLETE. Last time I checked, you can't report a late payment on a monthly basis for an account that has been CHARGED-OFF. I was sent via mail my contract and sale statement of the vehicle, as a method of debt validation on XX/XX/XXXX. I in return I sent a dispute in reference to the amounts and dates being inaccurate and that by law, this must be deleted from my credit file to the credit bureaus on XX/XX/XXXX and again on XX/XX/XXXX with no response as of today. Is this legal? This repo is from XX/XX/XXXX.
10/09/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30045	Web
Prestige Financial has failed to update my credit reports with XXXX, XXXX and XXXX according to the current status of the account. I have paid Prestige current paid as agreed and my credit reports do not reflect this information. As per the data reporting on all 3 reports, Prestige is still showing account listed as delinquent status which is not accurate. I have sent an email to XXXX XXXX of the Representatives at Prestige and her response was she forwarded over my request to update my credit files. I have not heard anything back from the company. I have received a statement emailed to my XXXX account reflecting no past due balance and that I am paid up to date. However no reporting was done to reflect I am paying as agreed. Statement has been attached for your review as supporting documents. As of today my credit reports do not reflect account being in a current paid as agreed status. My account with Prestige is current. This false inaccurate information has caused credit denials.
07/09/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	VA 23112	Web
I had the account for 3 years and never missed a payment until the end of the loan so they claim. They are reporting current no past due history with XXXX, XXXX late 30 days ( XX/XX/2019 ) and XXXX ( XX/XX/2019 ). This company has never even sent a statement advising that that the account was past due and the statement that I did receive showed an incorrect balance. I reached out to the company and requested to have the 1 late payment removed as a Goodwill, it was declined due to FCRA guidelines. The credit bureaus advised me to contact the company and ask for a deletion since the account had been paid in full and the negative history was hurting my score. The company stated that it was against their policy to do so. I think that this company has discriminated against because they use unfair tactics, they never reported a late payment until the account was closed, never sent a statement with the correct balance showing that my account would be past due and has violated FCRA guidelines.
05/09/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX XXXXX	Web
I have reached out to all the companies on my credit bureau that is showing an inquiry that has been made and they have stated its a matter of record. I explained to them that I have been a victim of identity theft and that I have not requested credit from there company. I was told that they would not really affect me to there is nothing they can do to help me. I have contacted the credit bureaus and they have told me that they can not help me although I have a fraud alert and have explained to them that someone has try to obtain credit in my name. I have cell phone bills on my report that I am fighting to get off now. I am very upset about these inquiries and that the creditor nor the credit bureau is willing to help me. XXXX XXXX XXXX / XXXX / XXXX XXXX XXXX XXXX / XXXX / XXXX XXXX XXXX XXXX / XXXX / XXXX PRESTIGE FINANCIAL XXXX / XXXX / XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX , XXXX
03/22/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA XXXXX	Web	Servicemember
On XXXX XXXX I received a official copy of my credit report from XXXX and derogatory remarks was removed from XXXX as credit reporting agency as Prestige Financial Services made contact with XXXX to remove the negatives from my credit report. Why would XXXX falsify on deletions of negative on my credit report as XXXX gets a electronic or Verbal message from Prestige Administration. I am respectfully requesting that Department of Justice ADA and Federal Government conducts a Federal Investigation on my Discrimination and Retaliation against me as a XXXX US Military Veteran. I am respectfully requesting that XXXX, XXXX, XXXX to delete all Unauthorize Hard Inquiries on my credit report and also for XXXX and XXXX remove the Bankruptcy on my credit report. As XXXX already removed the Bankruptcy Chapter XXXX on my credit Report. Respectfully. US Senator XXXX XXXX has beel alerted on issues with Prestige and I signed a Privacy Release for Federal Investigations.
05/28/2021	Yes	Vehicle loan or lease Loan	Incorrect information on your report Information is missing that should be on the report	OH 45069	Web
I sent a message to Prestige Financial after they removed a 5 year credit history from my report. I filed chapter XXXX in XXXX, and my car was not included. My car payment was paid in thru the bank from XXXX. They removed the entire credit history citing it is their new policy. It should be illegal for the trade line history to be removed prior to bankruptcy filing I asked for a copy of the policy and here is the response they sent : Disputeresponse XXXX To : XXXX Fri, XX/XX/XXXX at XXXXXXXX XXXX XXXX, My name is XXXX, I am the supervisor here in the Credit Reporting Department XXXX We are unable to send you the policy, as upper management has decided that if an account is included in any type of Bankruptcy we are deleting the tradeline. I understand that your Bankruptcy has been dismissed however, we are unable to update your credit to show this account. The tradeline was deleted from your report. Please advise Consumer finance. thank you
07/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IL 60617	Web	Servicemember
l Statement someone use my identity to apply for credit, heres a list of unauthorized inquiries and accounts on my credit report that i wish to be removed : ( inquiry : XXXX XXXX ), ( inquiry : XXXXXXXX XXXX XXXX ), ( inquiry : eXXXX XXXX XXXX XXXX ), ( Accont : Prestige Financial Auto ), Account : XXXX ), These above accounts and inquiries has violated my rights. The court FCRA 15 USC 1681 B states that any close account, late payment account, collection account, charge off accounts, must be removed. 15 USC 1681 section 602 Alpha states i have a right to privacy, 15 USC 1681 604 Alpha section 2 states A consumer reporting agency can not furnish a account without my written instructions, or consent. All the above accounts and inquiries is unauthorized and should be disputed from my XXXX Report and all 3 Credit Bureaus XXXX XXXX And XXXX Under the laws of the FCRA ( 15 USC 1681- 1681u, these unauthorized inquiries and accounts must be removed
02/17/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	MS 39042	Web
I lost my job due to COVID and feel on hard times. I had money saved and offered a settlement. I was told if paid the account for a full year the would negotiate the settlement for less the balance was paid down a good bit. The car was not was not work and Prestige was aware of this. However I did my best. The gave them every dime I had because I was told they would do a settlement next year. When that time came the denied a settlement and wanted the remaining balance for a nonfunctional car that I paid for twice. I have corresponding emails that verify these communications. I was taken advantage of financially and emotionally. COVID was a stressful time for me. I gave Prestige all the money I had and was lied to for them to get it. Prestige had no intent to settle nor allow me to keep the car. The loan is subprime and they are practicing predatory lending during a crisis. They have breached their agreement to settle for a reasonable amount.
04/26/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	XXXXX	Web	Servicemember
On XXXX, XXXX and XXXX credit reports of XXXX XXXX, and recent credit report of XXXX XXXX Prestige acccount # XXXX derogatory remarks hasn't been removed. Prestige is reporting that XX/XX/XXXX, XX/XX/XXXX and other months of XXXX and XXXX Derogatory remarks of 30-59,60,90 days still on credit reports. As XXXX, XXXX and XXXX are stating that it has been removed. My XXXX XXXX checking account ending in # XXXX evidence shows that XX/XX/XXXX, XX/XX/XXXX was paid timely as all payments was made by phone calls to Prestige.Please review XXXX XXXX statement. Also, XXXX XXXX tradeline account # XXXX hasn't been added to XXXX and XXXX I sent a email to creditor Legal Counsel Manager XXXX XXXX XXXX Ext.XXXX fax. XXXX email : XXXX XXXX XXXX XXXX # XXXX balance is not {$240.00} is at {$170.00} as of XXXX XXXX and a payment of {$150.00} was scheduled on XXXX XXXX with my XXXX XXXX XXXX checking account ending # XXXX to be paid on XXXX XXXX
07/28/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	NM 88005	Web
I financed a car from Prestige Financial approximately nine years ago. The car was repossessed about five years ago. I had a balance after the car was sold and Prestige was going to garnish my husband 's wages. I settled with Prestige for approximately {$2000.00}. After about one year Prestige started contacting my family telling we needed to contact them. When I contacted Prestige they said I had left a balance of {$200.00}, and because of interest they would settle for {$1000.00}. I told them I was not going to give them any more money because I believe they were a predatory lender. I started a new job and I got a notice Pestige was going to garnish my wages. The payroll department stated Prestige was going to garnish my wages until I paid {$3000.00} back. I feel this company is being extremely unfair at this rate. I will never get them paid back. The money they taking from me is making it extremely difficult to make a living.
04/20/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	OH 44139	Web
My husband & I purchased a vehicle through Prestige Financial. We were told that our interest rate would decrease as we paid the payment on time. Never once did we see a decrease. Once my health declined the note would be paid, but sometimes late. Prestige would call everyone listed on our account as a reference & tell them that our car is being repossessed! An absolute lie! They have contacted my landlord whom is NOT & NEVER has been listed as a reference! These people harasses & threaten customers to no end! This is uncouth & subject customers to become the object of ridicule! I have attached a few similar complaints from different customers. This company is referred to people going through hard times. These people only make life situations worse. They belittle customers & talk down upon them. Every customer service representative including the manger, has been extremely rude. This needs to be investigated & put to a stop!
12/19/2021	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem related to refinancing	GA 30094	Web
Purchase car XX/XX/XXXX in the middle of open XXXX XXXX. Past due on account, instead of Prestige just reporting me late, they reported my account as paid off and as a New BK, when my BK discharged on XX/XX/XXXX. I sent email to complain and XXXX emailed me back. XXXX stated I have reviewed your account history, our reporting of that history, as well as the Prestige tradelines for all 3 credit reporting agencies. I was able to see where your report shows that this account is included with your bankruptcy filed in XX/XX/XXXX. This is not information Prestige has provided to the bureaus, and I am not sure why they are reporting this information. I have sent a manual update to remove the bankruptcy information and report the correct account information, which you should see in the next few business days. XX/XX/XXXX, recvd an alert stating account has been closed and now dropped my score to XXXX, included in BK. instead of XXXX
11/15/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	DC 20001	Web
On XX/XX/23 I sent an email to my auto loan finance company, XXXX regarding the reporting of inaccurate information on my consumer report. I have dispute the account as well with the Credjt Reporting Agencies to no avail and verified results. The issue and dispute is that per the FCRA there must be accurate information being furnished. Im addition there must be a reinvestigation into the account which was completed to no avail or update to the reporting information. The current balance being reported is XXXX, however the actual balance is currently XXXX per Prestige. I have asked for this information to be update however was denied due to me being in a payment agreement with the company. As federal law supersedes these companies policies and they have failed to comply with the FCRA and XXXX XXXX compliances I am seeking resolution immediately. Lastly these violations are subject to 15 USC 1611 for the willful noncompliance
06/23/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	IL 622XX	Web
I spoke with Prestige Finance in regards to my XXXX XXXX XXXX at XXXX central time. I called to get clarification on the finance charge and its disclosure. I spoke with XXXX he said he was the advice collection president. When asking him to explain the finance charge to me he tells me that my down payment comes from this charge and also that the dealer is paid from the Finance charge. Which it also states in the contract also. But according to 15 USC 1605 The finance charge should be the sum of ALL charges. It also states it should not include fees or an amount imposed by third party. It also states that the interest should be included in the finance charge. If the finance charge is supposed to be the sum of everything home come it is considered as interest ONLY? 16 CFR XXXX XXXX XXXX due to the consumer when the consumer incur a finance charge. This is considered fraud and also a violation under the truth in lending act.
10/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	IL 60617	Web	Servicemember
I am disputing incorrect information that is being reported by Prestige Financial Services. This company is failing to report all of the payments made during the loan. Prestige Financial services is failing to report payments made for the following months XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The company is also reporting derogatory information for XX/XX/XXXX when the loan was paid off in good faith. I have contacted Prestige Financial Services and they are refusing to update the correct payment history on my credit report. The company is also refusing to investigate with their last response as " THEY BELIEVE '' the information Is correct. There isn't any accountability for this company to report accurate information as I am being told to file another complaint. I will continue to dispute this information and file complaints until this information is updated or removed from my credit file as it is correct information.
05/06/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	VA 23231	Web
Prestige financial constantly uses tactics such as harrasment and providing false information in an attempt to receive vehicle loan payments. I was advised for my XXXX 2015 payment that I owed an additional {$340.00} in fees. I received no advance warning via mail, email, text, or telephone although they constantly use those methods ( excluding mail ) to harras me if I am one day or more late with making a payment. I requested Prestige provide me with breakdown of additional charges on XXXX/XXXX/15 and as of today have not received any documentation, and am still being harrassed to make payment for fees. Prestige has reported multiple inaccuracies regarding car loan, and it has gotten to the point I dont even know my accurate loan balance. The online system reports one amount, and the representatives give you another amount. Prestige financial uses predatory lending practices and needs to be investigated.
10/25/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	AZ 85212	Web
On XX/XX/23 at XXXX I called prestige financial. I asked for a payment deferral since I fell behind in my auto loan. I was told by my account manager ( XXXX was his name I believe ) that since it was toward the end of the month that his allotment of funds he has for his portfolio to give out payment deferrals was already used up for the month. As he said Its first come first serve. I replied saying that they need to offer the same opportunity to anyone that is eligible. His reply was they do not have to offer this type of assistance its just a courtesy they offer. This did not seem correct or legal at all in my opinion because the only options he gave was for me to make a payment. He did say I would have been eligible and he would have helped if I would have called earlier in the month. Again this is not an equal opportunity to all customers especially those who have hardships at the end of the month.
06/23/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	IL 622XX	Web
I purchased a car on XX/XX/2021 in the amount financed for XXXX I also incurred finance charge of XXXX my under standing this is a violation of the Truth In Lending. Failure to disclose all information about the finance charge. According to 15 USC 1605 the finance charge should be the sum of ALL charges with any consumer transaction. It should not include fees or certain amounts imposed by third party ( dealership ). Interest should already be included in the finance charge. 16CFR 443.1 XXXX XXXX is due to the consumer when they incur a finance charge It is against the law to commit fraud. According to the TRUST LAW they have already received their funds from me when they obtained my funds by using my credit card ( SSN ). The legal definition of a credit card means any card, plate, coupon book, or other credit device existing for the purpose to obtain money, property, labor, or services on credit
07/05/2019	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 75063	Web
On XX/XX/XXXX i made partial payment towards my vehicle which was due date on XX/XX/XXXX. Left balance of XXXX. Advise i will make payment on XX/XX/XXXX i was told HAD to give my checking account information to prestige financial on the XX/XX/XXXX for that payment and for my XX/XX/XXXX payment as well? To stop collections calls. I advise per the contract that was signed i got 15 days grace period before i was considered late.I also ask why would set up XX/XX/XXXX payment now if its not due at this time? I got the typical response of : You have a 15 day grace period before a late fee is assessed. As soon as you are 1 day past due, you are past due. Once you have hit 10 days delinquent you are then sent to our in-house Active Collections team. Which still didn't anwser why i would set up payment before its even due?? In my opinion they are not following the language that i signed in the contract.
09/30/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	CA 95677	Web	Servicemember
I funded a loan with Prestige Financial during my Chapter XXXX bankruptcy. My first payment was due before my bankruptcy was finalized and I told them they needed to change the initial due date. I am currently 26 days late due to major loss of income and they call me at least once a day, and email me as well. I have requested they not contact me, other than XXXX Mail, and prior to 30 days late. I have been threatened to " not risk this '' XXXX late payment status ], to " govern myself accordingly, '' and that I " must not need this car. '' I was told they would attempt payment on XXXX and I stated I would call in the afternoon to process. I emailed on XXXX to tell them I would need to make the payment on XXXX, which would be 28 days late. I received another threatening email as a result. I was also told that the payment was attempted at XXXX, which was against our recorded agreement.
05/02/2019	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	WA XXXXX	Web	Servicemember
Prestige Financial is contacting me and harassing me many times a day. They use threatening language and scare tactics even though I have asked them to stop threatening me. I have asked multiple times to change the payment due date by 15 days so I can make the payment every month on time, yet they refuse to help in any way. The payment is nearly {$730.00} a month and it is incredibly difficult to make yet we havent missed a payment. Currently we are 15 days late and they will not stop threatening and harassing me. I feel powerless bullied and frustrated. I have told them 6 times through email text and phone calls that I could pay tomorrow ( 15 days late ) yet the still bombard me with their threats. No one should be treated the way they are treating me and I am hoping you can help me with their terrible behavior. Their debt collection behavior is wrong and needs stopped immediately.
06/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	VA 23324	Web
These inquiries are causing a negative impact on my credit score, and I request that they be removed from my credit report immediately. I have reviewed my credit report and found that these hard inquiries were made without my consent or knowledge. ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not applied for any new credit or loans recently. Under the Fair Credit Reporting Act, I have the right to dispute any inaccurate or unauthorized information on my credit report. I am requesting that you investigate these hard inquiries and remove them from my credit report if they are found to be inaccurate or unauthorized.
01/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MO 63033	Web
It has come to my attention that Prestige Financial is reporting an Account on my Consumer Report without my Consent. XXXX XXXX XXXX and the Reporting company known as Prestige Financial is obligated by the FCRA to report accurate accounting. Consumer has advised that ALL the Inquiries reported was Fraud said company have 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting XXXX to provide the documentation used to determine inquiry was indeed Authorized by the Consumer, XXXX has 15 days to provide me with the name ( s ) of the person spoken to, documentation used, signed application with consumer wet ink signature. Consumer is NOT asking for an XXXX Report. If XXXX does not have documentation to show these were in fact authorized it must be removed ASAP. SAID company is Liable under SEC to follow certain rules.
06/25/2015	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	TX 77545	Web
I am currently purchasing a car, financed by Prestige Financial Services. The day before the due date, the persistent calls, text, and emails start. If I am late the emails become very rude, abrasive and threatening. When it 's brought to their attention the context of the email, the answer is, anyways it needs to be paid. Upon further investigation and trying to refinance the vehicle, I 've found out I owe XXXX on what the car is worth at the moment. The crude and inconsiderate tactics of this company alone makes a consumer not ever want to deal with them again. I have contacted the XXXX previously and the calls, text, and emails stopped for about XXXX months. Only to be turned over to another finance person and the calls and emails are more rude and threatening as ever. I was unaware that there is no grace period available on this loan, however, I always pay the bill monthly.
10/30/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77077	Web
Hello, My name is XXXX XXXX XXXX and I am reaching out to complain on XXXX for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.
08/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	IL 60617	Web
Prestige Financial Services is reporting a repossession in my credit report that was redeemed the same day and happened over 7 years ago. The company is stating they are unable to remove this negative information my credit report. The company is also reporting there was a 60 day late payment in XX/XX/2017 and the company has since verified the payment was 52 days late and refuse to update the credit report. The company refuse to correct and update my credit report despite numerous attempts to get this issue resolved. I have included a copy of the email from Prestige Financial Services stating the payment was 52 days late in XX/XX/2017. This is unfortunately happened due to a layoff and the company socks it to me again with reporting inaccurate information and allowed to get away with it. Prestige Financial Services should do the right thing but yet here we are again.
11/11/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MN 55428	Web
On XX/XX/2018 I went to XXXX XXXX XXXX XXXX MN to get a car. Upon arrival, I signed a loan application. In the application, it stated that the company ( XXXX ) would disclose who my application would be given to, to access my credit report. This information was not given to me at the time, and my credit report was accessed by several financial institutions all across the United States, without my consent. The dealership, ( XXXX XXXX XXXX XXXX ) failed to honor the loan application, and therefore violated my rights within the FCRA. When speaking with the manager of the company, she informed me there was nothing they could do. Attached is a copy of the original loan application. The company clearly states the information, ( who accessed ) my report would be provided. Neither the person who received my application, nor the finance manager offered this information to me.
05/21/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	AZ 85326	Web
I have a loan with Prestige Financial, I have been making a payment every other week for about 6-8 months. My actual payment is due on the XX/XX/XXXX of the month.XX/XX/XXXX I received an email about the payment. I sent a payment authorization on Tuesday morning and advised that I would notify the office the following week around the time that I sent the payment. They started harassing me emailing me over and over again up until Thursday. I begged them to stop, I advised that my plate was currently full, however, I have not missed a payment and I would be contacting them as promised. I check my email on Monday and there's a message, I asking to set up a payment arrangement. My payment isn't 30days late, I paid 1/2 already and there has to be a law that protects consumers from being harassed. This was ridiculous, I could not believe that I was receiving so many emails.
10/25/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 93422	Web
I noticed on my credit report that I had multiple inquiries from XX/XX/XXXX with Prestige Financial, XX/XX/XXXX,XX/XX/XXXXfrom XXXX XXXX. I contacted them and was told that these originated fromXXXX XXXX, in XXXX XXXX XXXX. I purchased my vehicle from them a year prior so I knew they had my information. I contacted XXXX XXXX who told me they got a application from XXXX XXXX XXXX. I have tried to contact XXXX XXXX XXXX to have them remove these inquiries from my credit with no response. I never submitted any application to them seeing as I have a car I just purchased. XXXX XXXX runs your credit as a hard inquiry not one time but two as they did when I purchased my car. Two weeks after I purchased my car, they did another inquiry on my credit. They should remove this. My loan was done on XX/XX/XXXX and they ran my credit as a hard inquiry again on XX/XX/XXXX.
08/11/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AZ 85016	Web
i REPEATEDLY HAVE SUBMITTED DISPUTES ON PRESTIGE FINANCIAL SVC. IN REGARDS TO WHAT THEY ARE REPORTING, AND I HAVE FILED DISPUTES WITH EXPERIAN, XXXX XXXX, AND XXXX. PRESTIGE HAD CHARGED OFF THE ACCOUNT IN XX/XX/2018. THE BALANCE AT THAT POINT WAS XXXX. THE ACCOUNT IS CHARGED OFF AND CLOSED. PRESTIGE CONTINUES TO ADD PAYMENTS EVERY MONTH AND REPORTS IT TO XXXX WHO LISTS THIS INCREASING BALANCE, THE BALANCE INCREASES, IT IS THE ORIGINAL CREDITOR. I UNDERSTAND THEY HAVE THE RIGHT TO COLLECT THE XXXX HOWEVER THEY DO NOT HAVE THE RIGHT TO KEEP ADDING FEES EQUIVELANT TO MY CAR PAYMENT, I HAVE ASKED REPEATEDLY FROM PRESTIGE AND XXXX TO VALIDATE THAT THEY HAVE THAT RIGHT IN MY CONTRACT TO DO SO, HOWEVER NO ONE WILL SHOW ME MY SIGNED DATED CONTRACT AUTHORIZING THE CHARGES AS IS MY RIGHT TO RECEIVE. AT THIS POINT I WANT THEM REMOVED FROM ALL BUREAUS THEY REPORT TO.
06/19/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 28277	Web
Prestige Financial Services has been reporting inaccurate information repeatedly on all three of my credit reports, I have disputed this information monthly since XX/XX/XXXX and this information is still being reported incorrectly. I called to have the vehicle surrendered in XX/XX/XXXX the car was picked up in XX/XX/XXXXI did not make any payments on this car after XX/XX/XXXX The car was sold at auction for {$6800.00} and the deficiency balance is showing as the balance before the sale which is over {$14000.00}. This is incorrect and I have disputed this amount to be corrected for 4 years with no resolution. I have documents that show all the payments I remitted to them and what should be the amount reported. They have reported not only the incorrect amount but they have reported the car as repossession and this should be reported as voluntary Surrender.
05/02/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	TX 76010	Web
My car was repoed in XX/XX/XXXX. I filed Chapter XXXX bankruptcy and got the car back. I ended up having the bankruptcy dismissed due to the payment amount was too high. Prestige Financial let me keep the car and continue to make payments on it. Every month they are reporting to the credit bureaus that the car is in repo status and they are not reporting my on time payments. They also show that I owe over 21,000 on the car and I purchased it in XX/XX/XXXX for XXXX. I do not understand how I owe way more than what I purchased it for 4 years later and my interest rate was not extremely high to begin with. I have disputed my credit reports for them to show my payments I've been making on time since XXXX of last year. I have contacted them to also do this and no one can explain to me anything about the amount owed or why it reports repo on my credit reports.
07/10/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30034	Web
I am a consumer who has been a victim and I know my rights. on XXXX XXXX, 2017 their were XXXX inquires that was reported to my credit report without my consent. I have tried numerous of time to have them disputed from all XXXX credit bureau so far I had no luck. I also submitted the request from the actually company that I have never heard of. well after 15days went by no one seem to help. I 've called numerous time but no change has been made. As a consumer I have rights. the fact that I have a fraud alert on my credit report the company still manage to run my credit without my consent. the following companies that ran my credit on the XX/XX/XXXX was XXXX XXXX XXXX XXXX, prestige, XXXX XXXX of XXXX XXXX and others. It would a huge help to have these credit inquiries remove off my file that way I can have a better start in rebuilding my credit score.
02/24/2017	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	NC 278XX	Web
On or about 2006 it 's been a long time now my wife and I financed a car through prestige financial services Inc a XXXX during this time we were residents of XXXX az. When the economy tanked we lost everything as many did including XXXX in 401k and this car our home everything even our job. We moved back XXXX lived with family and began the painstaking process of rebuilding this company has never let us rebuild they have haunted tortured threatened cost me a job where I was working a couple years back. And after well over ten years and not hearing from them for three of those they out of the blue send a garnishment to my new employer.in XXXX where garnishment for a car is not allowed! I spoke with the state attorney General today they are stopping this garnishment but the damage this has done with my employer is done. I was up for promotion now?
06/11/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	MO 631XX	Web
After several weeks of disputing fees assessed on a vehicle declared as a total loss and paid off by my insurance company I attempted to settle a debt with Prestige Financial. I provided payment authorization over the phone to a Prestige rep in order to settle the account in full. The rep neglected to process my payment resulting in continued fees/interest being assessed on a vehichle that has already been paid off by the insurance company and the GAP insurance company. Prestige also restricted my online access preventing me from posting a payment online which again has resulted in continued charges of interest fees due to the inability of processing a payment. I believe the actions taken by Prestige are willful barriers in order to continue to add on interest fees in an effort to collect increased monies on an account that has been paid off.
12/30/2021	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	VA 23453	Web
I purchased a vehicle with prestige financial located in utah. Alot of finance companies love Virginia because if your car gets repossessed you are still responsible for the loan unless one of two things happened. 1 the vehicle was repossessed and you were unable to attempt to retrieve your belongings in which i was never even told where my belongings were being held. 2. The vehicle is sold for an unacceptable amount. The car was sold to me for XXXX but sold at auction for XXXX. That is not an acceptable amount. They also attempted to say the car came back a bio hazard which is totally false. No way you only spend XXXX to prep a car for auction if its a biohazard that was a carpet steam clean. They have even gone so far as to continuing hitting my credit every month AND create Court cases and NOT show up. Because they no they will lose.
01/16/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	OH 43232	Web
In XX/XX/XXXXprestige auto fiance agreed to out us in what's called a fresh start program. This program offers our credit to reflect as current after five months of payments. They gave us the stipulation that we would pay on the XX/XX/XXXXof each month. We asked for a two day extension this month and they denied us ... .. The XX/XX/XXXXfalls on a non business day and Monday is a Holliday. They are threatening to send us to loss mitigation if we don't pay by the XX/XX/XXXX. They also asked for address of the car ... XXXX As if they were threatening to take the car on Monday. We've made our payments on time for the last three months. But, they said that we haven't been making our payments. My car is the only means I have to get to work. But, they threaten us every month. We only have two months left on the program and then we are done.
03/08/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	CA XXXXX	Web	Servicemember
On around XX/XX/XXXX Prestige Financial Services Account Vice President has stated on phone conversations that the negatives of 30-60-90 days was going to be deleted to support me on my VA Loan and home purchase in Florida. Now, she denies that she didn't promise me.This a act of Discrimination and Retaliation against me as a XXXX XXXX American and Military Veteran. Prestige administration are Retaliating because I filed various Federal Government complaints since XXXX and Present. XXXX XXXX XXXX credit report shows that Prestige Financial Services contacted XXXX and deleted the negatives on my credit report on XXXX XXXX. I have a credit score of XXXX on XXXX.. Respectfully Prestige has violated my XXXX XXXX Civil Rights Act under Department of Justice.I am XXXX Lifetime and Retired.I am a US XXXX Honorable Military Veteran.
06/14/2016	Yes	Debt collection Auto	Cont'd attempts collect debt not owed Debt is not mine	VA 235XX	Web
Hi. I recently bought a cellphone and I keep getting this phonecalls from a company named Prestige about a debt on a Honda for someone named XXXX. I am not XXXX, I do not know anybody with that name and I do not own a Honda or any car at all! : ( This is what they say everey time they call : XXXX, we have made several attempts to contact you in order to secure payments on your Honda. I am not requesting money today however need a valid arrangement to prevent you loan from defaulting. Please call me back, XXXX. I am on the no call list for over XXXX months now. I keep telling them to remove me of the call list but they wont listen. I blocked the phones over and over again but they keep changing. Here are some of the numbers they have used. Please, help me! : ( they call every day! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
12/12/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	TX 75052	Web
I paid XXXX on my acct to Prestige Financial 7 days ago to make up the difference in the amount that car max agreed to buy my car. I spend all day speaking with a XXXX 3 days later because my acct had not been updated in regards to an accurate payoff amount. The XXXX had already been drafted from my acct and the payment reflected on Prestige 's website but still the payoff was wrong. I was forced to have XXXX sell me my car back. They could finish buying my car without an accurate payoff amount. The XXXX stated everything would be updated 2 days later, which would have been Friday. I checked Friday and it still had not been updated. I tried calling Prestige but their phones were down once again. I also sent several emails with no response. Please help. I just buries my Mother a month ago and dealing with this is just extra stress.
08/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	OH XXXXX	Web
I had an auto loan with Prestige Financial back in XXXX. The engine died in XX/XX/XXXX and my warranty was not granted. I continued to make the payments because I didnt want to mess up my credit even more. Financially unable to continue to make payments, I stopped in XX/XX/XXXX. The account got charged off in XX/XX/XXXX. Once charged off it is continuing to report as " CHARGED OFF '' with an updated balance every month. I found a few inaccuracies and disputed this with the bureaus requesting to have the account DELETED due to inaccurate information and the account was not removed but updated. I called Prestige to resolve and was advised the account is CO but still accruing interest and they would not remove. I also received an alert that the account has been re-opened to which I am advised it can not be reopened once charged off.
06/03/2017	Yes	Vehicle loan or lease Loan	Getting a loan or lease Problem with a trade-in	NV 89139	Web
I bought the car from prestiage financial, I was negotiating with the Rep, to lower my monthly payment so I could afford to pay since the job I have they run out the project for a while and I do n't have any saving secure, instead of them did n't help me out but was charge me and posted to the credit agency, to help me get out from their company I was try to traded my car in but the negative balance and they do n't take it, and the car dealer was ran my credit over and over and make my score down because I try to get the loan to get a better interest from prestige. It 's very awful Iask XXXX XXXX to help me sell the car instead of they asking me XXXX ca n't do anything but they went to pick up the car without letting me know and they said they put it in the auction but the car balance still the same. This is unfair for me
01/30/2017	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	VA 230XX	Web
Prestige Finance continuously calls and texts my cell phone during work hours. They also have charged a ridiculous amount of fees to my delinquent account and this month was the XXXX month I have received a statement from them. So I have no idea of how these fees break down. They also record my calls and do not advise me of so when I call or when they call me. I also tried numerous times to complete a voluntary repossession and advised that the car was not operable and was with a third party mechanic in which I could not afford to pay for due to extensive rental car bills to get back and forth to work. Yet and still they constantly requested money for payments and stated that there were over a XXXX dollars in fees. But have never sent out monthly detailed statements to break down what was being paid and what was owed.
01/09/2021	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA XXXXX	Web	Servicemember
From XXXX XXXX many Federal Government complaints was filed against Prestige on fraud and corruptions of vehicle loan and purchase in XXXX, Texas on around XX/XX/XXXX during my Bankruptcy Chapter XXXX proceedings in XXXX, Texas. On around XX/XX/XXXX or XX/XX/XXXX the vehicle was Voluntary Surrender in excellent conditions to Prestige Administration. On XXXX XXXX there is a collection for {$10000.00} and {$7600.00} in which on my XXXX, XXXX, XXXX credit report is very damaging. Prestige has a Collection/Charge off on my credit report and damaging my credit. This debt shouldn't be on my credit report or any where on my Consumer Report. I am XXXX XXXX and Retired and a XXXX XXXX XXXX XXXX XXXX. Prestige Financial Administration is in violation of my ADA Disability Civil Rights Act under Department of Justice.
10/23/2017	Yes	Vehicle loan or lease Lease	Managing the loan or lease Problem with fees charged	VA 22554	Web	Servicemember
Prestige Financial Services has been constantly calling me, threatening me and harassing me at my place of employment. I 've received calls from them on the following dates below : XXXX XXXX, XXXX ( 2 times ) XXXX XXXX ( 2 times ) XXXX XXXX, XXXX ( 2 times ) XXXX XXXX, XXXX ( 2 times ) Weekend XXXX XXXX, XXXX ( 2 times ) Weekend XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX I 'm making payment of the vehicle as scheduled but for so me reason, they representatives do n't communicate with each other on the status of my account so they take turns randomly calling and harassing me. This is causing me to be unproductive at work due to the constant harassment from them. They should NOT be calling me and harrassing me with threatening phone calls at my place of employment I need it to stop immediately. Thank you!
12/18/2019	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	CA 94565	Web	Servicemember
I have made contact with Prestige Financial Services Administration MrXXXX XXXX, XXXX and XXXX and respectfully told them that l am returning the vehicle to Prestige as they can not accept payments of {$270.00} or {$280.00} @ month on Auto loan. I have been having issues with Prestige on auto loan and unaffordable payments and high interest rate of 17 & since l purchase vehicle on XX/XX/XXXX. I am respectfully returning back XXXX XXXX XXXX XXXX with XXXX miles, immediately and vehicle is park in front of the house where l live at XXXX XXXX XXXX, XXXX, California XXXX. Vehicle is in excellent condition and l took pictures and video for a inventory. I am returning vehicle to Prestige and will not operate vehicle anymore and l have contacted California DMV that l am returning vehicle to lienholder.
09/07/2016	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	OR 97303	Web
We financed a car on from Prestige Financial Services in XXXX XXXX XXXX UT. Our payments are due on the XXXX of each month. On XXXX XXXX we traded in our vehicle and received a better rate through a different company. We notified Prestige right away. We are now getting multiple calls and texts that we owe the car payment or they will put us in default. We 've asked them to stop contacting us, and to contact the dealership, but that has yet to happen. Today, we got letters saying we are in default and must pay ASAP or the car will be repossessed ( which we do n't even have ). It 's getting really annoying to be contacted multiple times for something we are no longer liable for. We even have all the paperwork of the transaction. And we are still within 30 days of the payment being considered late.
06/06/2021	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	TN 37167	Web
I am a victim of a natural disaster and being sold a lemon due to being a XXXX. I kept the maintenance up on the vehicle, however the vehicle was a lemon. After taking the vehicle to several repair shops including XXXX, they stated there was nothing they could do for me. The transmission light came on directly after completing my 3 month oil change vs. them telling me every 5 months. I lost my job due to XXXX and asked for help and they refused and hung up on me saying " so what and you're the one that purchased the lemon vehicle, its your fault not ours. '' Each rep I talked to was rude, uncompassionate and refused to provide assistance. My car stop running, when I did all I could to keep this vehicle they said was not owned by anyone but the dealership and everything was 100 % up to date.
07/04/2019	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	CO 810XX	Web	Servicemember
Every month without fail I get a reminder to pay my bill. I have to explain every time that I am XXXX have no income except my husband 's and his paydays are on Fridays. Everyday I get an email, phone call and text about when will I pay my bill even before it's late. I tell them I will send as soon as I can then the threats start. I am pressured into payments that I can not afford cause they say I have to get it in asap. I recently told them my husband had changed jobs and we would be a little late then the rudeness and pressure began. I advised the lady to watch her tone with me but she was extremely rude and harsh. I have the emails and texts. Not to mention they have been contacting my husband along with me. Enough is enough. I have advised this lady to not contact me anymore.
09/02/2022	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	MO 64134	Web	Servicemember
Approximately XXXX got a vehicle through Prestige Financial Services originally living in the state of Kansas. Hardship occurred. As Clients myself and husband tried selling the property and working out a deal but no resolution. Vehicle was repossessed and although I was not the primary on this account. This company has tried calling different employers of mines and my husbands impersonating HR Personnel, Maintenance Staff, & Insurance Agents, trying to obtain information. Reporting inaccuracies to the credit bureaus and at this point harassing us for an old debt, that I would think is in statute of limitations at this point since debt originally occurred in Kansas and over 7 years old. They continue to have their representatives call leaving aggressive messages on my voicemail.
02/12/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	CA 92553	Web
I expressed to Prestige financial that I lost my job about would need assistance with the XXXX payment of {$390.00}. I was advised that I would be able to pay a reduced payment of {$190.00} for XX/XX/2020. I called in and paid {$200.00} to them on XX/XX/2020. On XX/XX/2020 I began to get countless of harrassing phone calls and e-mails from them about when I can pay my XXXX payment which is not even due until the XXXX of XXXX! I have told them on numerous of occasions to not blow up my phone like this. They also stated in one email that I owed $ 600+ which is inaccurate and is confirmed through an email through them stating I was current in my payments. For some reason they are claiming I owe {$73.00}? How could this be possible when they stated I could pay {$190.00} for XXXX?
10/15/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	IL 60419	Web	Older American
I have completed my installment of 60 payment as of XX/XX/19.Why am I am still receiving a bill for the full installment I just paid off. Now I am told that I have additional finance charges and fees to pay. I have repeatedly asked that the company send me a breakdown of charges which would include the dates/ on which the fees are connected to as well as the additional finance charges. I was told by email that my final payment would be XX/XX/19 which would leave fees of XXXX remaining to be paid. I received a statement dated XX/XX/XXXX requesting installment of XXXX again. I am concerned that this company keep changing the amount even though I have made all of my installment payment on this account. I am on a fixed income and can't afford to keep paying these incorrect bills.
06/23/2017	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	NV 89148	Web
XXXX XXXX 2017 i have see it on my credit report, prestige financial was report me as repossession, even though i was sold to the XXXX XXXX, if they wasnt take the deal, XXXX XXXX would return the car for me, but XXXX XXXX has never contact me about the car need to return, and prestige was just deal with them without my permission, or place me on repossession. which is unacceptable. if the XXXX XXXX call to come and get the car back i would went to pick up the car with them, without XXXX XXXX call i cant do anything since i have sold the car to them. i want them to remove the repo off my credit since it 's not my fault. they both deal with each other without letting me know that they are processing to repo. sold the car but repossession on the credit report without knowledge
02/01/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MD 211XX	Web
On XX/XX/XXXX, I wrote the companies an inquiry dispute letter regarding unauthorized inquiries done in my name on XX/XX/XXXX and XX/XX/XXXX. I do not have an account with these companies. On XX/XX/XXXX, XXXX XXXX XXXX XXXX gave examples of three types of inquiries made on a report ( which is irrelevant and did not prove that I made the inquiry ) and asking if I would like to have my name deleted from their marketing list then to send the request in writing. The letter stated the company was unable to locate an account in their system. The company did not submit proof that I initiated nor authorized an inquiry. On XX/XX/XXXX, XXXX XXXX XXXX also did not submit proof that I initiated nor authorized an inquiry. These inquiries were made without my consent or knowledge.
12/29/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 90017	Web
Prestige Financial stopped reporting positive payment history. Payments made under 30 days, went unreported to XXXX for several consecutive months in XXXX. During my attempt at rebuilding decent credit, Prestige failed to update XXXX with payments made in good standing. When I fell behind XXXX days XXXX, Prestige quickly updated my account and listed the account as currently past due on the same day the agreed upon payment arrangement cleared. Post payment, I am left with a currently past due account on my credit report. Presitige Financial chooses when to report your credit activity and its not when your account is positve or timely. Prestige also updated the same account XXXX as currently past due to XXXX, after years of reporting the account was closed in bankruptcy.
11/15/2022	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	WA 98503	Web	Servicemember
Prestige Financial : I have been dealing with Prestige for some time now. I stopped responding to them when they started calling, texting, and harassing me while I was at work. They also send emails to me with the wrong vehicle and amount listed. I was working with a lawyer with them to try to settle the debt but when I last reached out to the lawyer he has retired and a new lawyer was assigned to my case from another firm. I was never notified of this change until I recently received a garnishment notice the total balance was $ XXXX after the car was sold. After the fee, it went back up to XXXX. After receiving the wrong payoff amounts and the wrong information in the emails it became confusing on what to pay and who to believe each employee has a different amount.
09/05/2018	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	IL 60563	Web
I purchased a XXXX XXXX in XX/XX/XXXX and paid on it until till XX/XX/XXXX. I ran into financial trouble and voluntarily let the car go back. the loan company prestige financial has sent me a summons for the amount of {$17000.00} dollars when I bought it for XXXX. It was repo in XX/XX/XXXX and sold to auction and the acct closed and charged off since XX/XX/XXXX. They are reporting this to XXXX late and failed to pay when I don't have this car, XXXX and XXXX has removed this charged off debt, They cant charge me or continue to report on my credit for something that was sold to auction, XXXX XXXX from prestige and XXXX XXXX have harassed my jobs and family. I cant afford a lawyer for harassment therefore I am sending complaint. This needs to be removed asap.
03/19/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	VA 23455	Web
I hAd a total loss vehicle with prestige financial in XX/XX/2018. The remaining balance after the payment from gap company was charged off. I live in Virginia and per our state laws once a balance has charged off the can not continue to add additional interest to balance. I contacted this company several times and explained my concerns with this matter and the balance continues to grow with additional interest and is being demanded that I pay in order to resolve matter. Based on the laws in my state that is illegal and they can face a civil penalty based on this business practice. Im demanding my account be reviewed and a credit or refund is given for any additional interest that was paid to prestige financial towards the charged off principal balance.
03/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 31601	Web
After receiving a loan denial I decided to check my credit. Prestige Financial has been reporting erroneous information to the three major credit bureaus. The company has been reporting and increasing outrageous amounts that are false and is causing financial difficulties. The account with Prestige has been closed and charged off since 2016. The company took the debt to civil court and was awarded a judgment in the amount of XXXX. Prestige has continued to report a high balance of {$28000.00} and the amount is climbing every month. These reporting are false and fraudulent and is causing financial difficulties. I no longer have an open account with this company I dont see how they are legally allowed to report increasing balances per month.
06/27/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	VA 22601	Web
I severely injured my XXXX XXXX in XX/XX/XXXX which caused me to miss months of work. I contacted Prestige to see if I could get my payments lowered due to my hardship and I never received an answer. I received a message XX/XX/XXXX from XXXX stating I had until Friday XX/XX/XXXX to either make a payment or make arrangements or the account would be transferred to the recovery department and would be picked up. The vehicle was repossessed on XX/XX/XXXX. I spoke with the repossession company because I was told nothing would be done until Friday and I was told that Prestige contacted them weeks ago and put the order for repossession in which is not what I was told. I get paid Thursday and they knew this and I planned and making the payment
07/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 34982	Web
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
12/12/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IL 60133	Web
My first issue is that I have an account that I have contacted both the company and credit bureaus that is reporting closed on all my credit files back in XX/XX/2015. This account was paid off in full by my insurance company. Although they are reporting inaccurate information that shows this account has a balance and has been charged the credit bureaus and company is stating that it was charged off years later and although it has been charged off the balance is currently rising and shouldnt be. Although I have disputed this with the credit bureaus XXXX dont believe that they take the necessary and required steps to fully investigate by law. Lastly the company will not honor my request to receive the steps taken in the investigation.
01/11/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	DC 20001	Web
On XX/XX/XXXX at XXXX I was abruptly awakened from my dog barking loudly. Upon checking my XXXX XXXX XXXX was being towed by a XXXX tow truck. After being awoke the remainder of the night I called XXXX XXXX XXXX the next morning. They hired a third part company to illegally seize and wrongfully reposes my automobile. The third party towing company, XXXX XXXX XXXX, is a third party to the agreement/contract. XXXX shared my NON-PUBLIC personal identifying information with a third party. This is a wrongful repo and illegal seizure of my property as well a violation of my consumer protection rights. In addition the consumer did not receive a certified letter to cure prior to the repossession per federal and state XXXX XXXX XXXX laws.
05/08/2016	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	KS 666XX	Web
I had a loan with Prestige Finance on my automobile. In XXXX XXXX I refinanced that automobile with XXXX XXXX to bring my interest rate down. I have made numerous calls to Prestige to please close my account because it looks like I have XXXX auto loans on my credit report, when I only have the XXXX. XXXX XXXX paid XXXX XXXX the total amount of the loan on XXXX XXXX, XXXX. Prestige has agreed that the loan is paid in full and that they will close the account. This was told to me in XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX and in XXXX XXXX, XXXX, that they were sorry and would take care of the matter immediately. It still has not been done. The account at Prestige Finance was XXXX. Thank you, XXXX XXXX XXXX
03/31/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	AZ 85138	Web
In XX/XX/2018 I contacted Prestige Financial to surrender my vehicle due financial hardship after and accident. Prestige picked up the vehicle and after taking possession of the vehicle they did not send me any notice of intent to resale the vehicle nor did they send me and updated balance after the vehicle was sold the Reported the original balance as a charge off collection and has been adding interest to it. I have filed disputes and the company has not supplied and proof of the resale nor balance after the resale and continues to report the information incorrectly as well as garnishing my pay. I have asked all three major credit agencies to remove the inaccurate data from my report however they fail to do so. .
08/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30248	Web
On XX/XX/XXXX I requested validation of information on my credit files and to have inaccurate information removed. The car company was paid off in full they are still reporting negative information on my report. I have documentation where my insurance has paid them off after a head-on collision. I was in a payment plan paying off the debt. After the payoff, they raised the car over XXXX from where the debt had been paid down. I have documents to provide. Other companies are reporting duplicate accounts for the same dept. which is inaccurate. I have information reporting over seven years Lastly other companies for which I have never done business are on my report. Negatively reporting information on my credit report.
06/08/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	IL 60406	Web
I purchased my vehicle in XXXX. Prestige Financial calls, texts and emails simulteously a week before each payment. I faithfully made all payments on time until XXXX when I became ill and fell back on my payments. Thats when the disrespect and threats began. I was yelled at and accused of being irresponsible. I did make payments, but just not as timely as before. In XXXX and XXXX i asked for my pay off amount, and was informed I owe over {$6000.00}. Unbelievable i said that after 7years, I still owe almost {$7000.00} on a XXXX XXXX XXXX XXXX. Ive questioned and disputed with them several times regarding the balance. This company is padding balances. They have finally threatened to reposess a car Ive paid for twice.
05/19/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	MD XXXXX	Web	Servicemember
I have disputed the issue with the company. However, I have not received any correspondence. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " Prestige '' XXXX via USPS certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.
07/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IN 46224	Web
inaccurate and unknown things on my credit report here 's the list of all the companies, XXXX XXXX ( bank ) XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX BANK ( Bank ) XX/XX/XXXX PRESTIGE FINANCIAL ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX ( Auto ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( Auto ) XXXX XXXX, XXXX XXXX XXXX ( Auto ) XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Bank ) XXXX XXXX, XXXX
12/14/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	WA 98203	Web
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/2020, PRESTIGE FINANCIAL, XXXX XXXX XX/XX/XXXX and XX/XX/XXXX/XX/XX/XXXX XXXX XXXX add a hard inquiries on my credit reports per XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
04/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	VA 225XX	Web
I was assured that once the new loan terms were set up XXXX of XXXX, that the information would be updated on my credit report. The balance has not been updated correctly nor has the monthly payments. The line item is still reporting as charged-off / past due, and the balance is still reporting the same amount, {$16000.00} from 10 months ago, and also as if a payment has not been made since XXXX of XXXX. I have not missed a payment as of the setting up of the new loan terms in XXXX of XXXX. I have the account set up as a direct ACH draft from my checking account. This is not my interpretation, but of a credit analyst with XXXX XXXX XXXX, which reviewed the documentation provided to me by the Creditor.
04/18/2022	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	CT 06705	Web	Servicemember
In 2012 the truck that I was financing through Prestige Financial was reposed voluntarily, they sold the truck at auction and never made it known to me the value that they received for it ( I have asked ), fast-forward XXXX, shortly after I started working at my current job they garnished my paycheck for over a year, then abruptly stopped. Today, I received another wage garnishment letter from them that they plan on doing the same thing again. The customer service agents are quite rude and impatient and I can not get anyone to talk to regarding this. I do not live in the state where I have to appear in court and can not contest it because I would have to show up. Are they legally allowed to do this?
08/31/2017	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	TX 77304	Web
On or about, Thursday, XXXX XXXX, 2017, Prestige Financial Services, called and harassed me about making a payment on my car loan. I have spoken with them on numerous occasions about making a payment, and they have continued to harass me. I am certainly feeling the effects of the XXXX XXXX. I am also dealing with issues with my house. I understand where they are coming from, however harassing me is not the correct way to address the issue. I have never missed a payment and if there has ever been an issue, I have remained in contact with them to let them know that I needed an extension or some additional time. This is also not the first time they have called and harassed me about the situation.
09/14/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	CO 80909	Web
I voluntarily surrendered the XXXX XXXX in question back in XX/XX/XXXX. When I surrendered the vehicle, it was supposed to be sold at auction and the balance reduced for to show that the vehicle had sold and then I would receive a bill for the remainder of what was due. I began this loan in XXXX at {$14000.00} and not the loan is pushing {$30000.00} though the vehicle has since been given back and sold at auction. I have reached out the Prestige Financial to correct the balance and settle the account to make payments and have been given the run around with refusals at every turn for assistance in reducing this amount so that I can settle the account and have it cleared from my credit report.
08/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 44313	Web
There are hard inquiries on my credit reports for XXXX and XXXX from XX/XX/2020 from various banks. I did not authorize any of these organizations to run my credit and I did not apply for a loan with any of these organizations. I did not authorize any third party to run credit on my behalf. I believe this is an attempt at identity theft. In some cases, there are even multiple inquiries from the same company on the same date. Below is a list of inquiries on XX/XX/2020 on my XXXX report. XXXX XXXX XXXX - XXXX inquiries on Same date! XXXX XXXX XXXX XXXX is a list of inquiries on XX/XX/2020 on my XXXX report. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Prestige Financial
06/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MO 63118	Web
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX You are in Direct Violation of The Fair Credit Reporting Act ( Account Name & Number 1 ), has violated several of my rights. 15 U.S.C 1681 section 602. A. Clearly states that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written Instructions. 15 U.S.C 1666B ; A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act
08/01/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	WI 53224	Web
I have been behind on my vehicle payments a couple of months and trying to make arrangements. I explained my situation of switching jobs and being a victim of XXXX which led to a custody battle that led to me having to come out of pocket for attorney fees. I advised a representative I could not follow through with the arrangement at the end of the month as my rent is due which is first priority, he asked me was I behind on my rent by 60 days and I could not afford to not follow through the arrangement and make the payment I agreed to pay 48 hours before the payment was to be drafted. They failed to cancel the payment from my account which is going to result in a non-suffient funds fee.
01/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	AZ 85022	Web
Prestige financial charged off my auto loan XX/XX/XXXX XXXX XXXXor the amount of {$14000.00} as a profit and loss since I told them after the second engine seized and transmission went out and no warranty available they refused to come pick up the car. They continue to report my balance of interest each month and as of today my loan balance shows {$21000.00} as they keep applying an additional interest each month and reporting it to the credit bureaus. I have tried to dispute with the bureaus again online but to no assistance since they said I disputed back in XXXX This horrible company is going against the loan contract and I think law as far as what they can continue to report
01/05/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	TX XXXXX	Web	Servicemember
As many filed complaints against XXXX XXXX XXXX, why this vehicle lender does n't want to reduce my interest of 17 % on my vehicle loan. My balance on my vehicle loan keeps rising and there is no remedy for my issues. XXXX XXXX and law firm are stating there is no remedy and I am not eligible for a rate reduction. Federal Government should regulate Prestige lending practices so Military Veterans and Citizens in the community does n't have to go through the dilemas I am going through. There is a {$480.00} collection that Prestige is going to report to XXXX, XXXX and XXXX and put negatives on my credit report. I am XXXX XXXX and XXXX and a US Military Veteran. Plus Divorced.
06/07/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	KS XXXXX	Web
I applied the correct way to discharge a debt. A debt can and should not be paid with a floating rate note which is a debt note. According to the Bill of Exchange Act and Federal Reserve sect 16 & 29 all debts should be properly discharged. I supplied them with an negotiable instrument drew up by them and properly endorsed it. I processed the lawfully way to discharge a debt the correct way in which they want to continue to ignore. According to the OCC they are now in violation of XXXX XXXX credits due to my estate. I have also sent out a final cease and desist letter. I followed the recommended process offered by the Bill of Exchange Act, OCC, and the Federal Reserve Act!
11/21/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IL 60647	Web
The company Prestige Fin appeared on my XXXX credit report on XX/XX/XXXX and on XX/XX/XXXX. It appears to be finance and personal under business type. When I contacted the company, they informed me that my social security number and other identifying information was used in an attempt to acquire a car loan. I informed the company that I have not submitted any form of application for auto financing and that this inquiry was initiated without my consent or knowledge or permission. The company said they will document the issue and contact me back with further instruction. I have yet to hear back from the company and each time i contact them further, I am told the same thing.
05/21/2015	Yes	Debt collection Auto	Communication tactics Frequent or repeated calls	CO 80602	Web
I get paid bi-weekly, and there are times i make my payment a couple days late from my due date but I always make my payments within the month. Example : payment due on the XXXX of every month i get a text/call/email on that day from my lender, the next day they call me again text/email/phone, third day they will threat they will start calling my reference to if i dont call to make a payment. I dont understand why this lender threat me every month when i make my payments, i have never miss a month of payment with them. I need this to stop. they call my phone/email/text me and then do the same to my husband i have emails/text from them and they are not professional at all.
01/12/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	CA XXXXX	Web	Servicemember
In response to Prestige administration Chief Officer MrXXXX XXXX on XXXX XXXXand contacting him at XXXX. I don't have no contact with him as Prestige has violated my ADA Disability Civil Rights under Department of Justice. Prestige has no right in trying collecting {$10000.00} from me as the vehicle was return in excellent condition and Prestige knows that I am XXXX Lifetime and Retired and State and Federal Courts Judge orders of my Lifetime XXXX was provided to Prestige Administration. Prestige needs to delete the derogotory collection on my XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX immediately. Charge Off/Collection. Prestige has implemented Charge off.
06/07/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	IL 60617	Web
Prestige Financial services is reporting a late payment for XX/XX/XXXX to ALL major credit bureaus. I am requesting a letter from Prestige Financial services stating there wasnt a late payment made XX/XX/XXXX. Prestige is reporting a repossession for the vehicle that was paid off on XX/XX/XXXX. I need a letter stating the account was not late in XX/XX/XXXX and the car was not repossessed. I have called Prestige and was told someone would call me back and I have yet to receive a call back. THIS IS NOT A DUPLICATE REQUEST. THE COMPANY IS REFUSING TO RESOLVE THIS PROBLEM AND IT IS VERY SAD THAT A COMPANY CAN DO THIS TO A CONSUMER WITHOUT ACCOUNTABILITY.
01/06/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30349	Web
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
07/18/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	IN 46221	Web
I purchased my vehicle in XX/XX/2019 with Prestige as the lender. My wife and I were fully taken advantage of as we were in the middle of a bankruptcy and needed a reliable vehicle. I have been making on time payments on this vehicle for almost a year. I have paid in XXXX and only XXXX has been applied towards my principal. That means over 75 % of my payments are being misallocated, and that is an illegal practice. I want my payments to be retroactively and appropriately allocated to where only 19.24 % is allocated to interest and the rest is put towards my principal. I know that what is being done is illegal, and I am looking at my legal options.
02/04/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NC 28216	Web	Servicemember
This vehicle was repossessed by Prestige Financial in the State of New York on or about, XX/XX/2016, and resold on or about ( I was never made aware of the resale date, price, deficiency ). Under the laws of the State of Virginia UCC Title 8.9A. Commercial Code - Secured Transactions - Part 6 Parts 1 and 2. Default and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle.
11/21/2017	Yes	Debt collection Auto debt	Communication tactics Used obscene, profane, or other abusive language	CA 92354	Web	Servicemember
My pymt is due on the XX/XX/XXXX, however I will be paying on the XX/XX/XXXX, which I advised them via email. They have no right to talk to anyone that way. Today XX/XX/2017 I received an email from Prestige Financial : Hello XXXX, Your file has been sent to me for review. Im not sure why you feel its acceptable to pay at your convenience rather than your given due date. We are a strict 2nd chance loan we choose to work with you as a courtesy however I need you to contact me today to discuss the matter further. Thanks XXXX @ PFS XXXX XXXX Account Manager Prestige Financial Services , Inc. A XXXX XXXX XXXX XXXX [ T ] XXXX [ F ] XXXX XXXX
02/15/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	AL 350XX	Web
The company Prestige Financial is the company in whom I have a vehicle loan with. The loan is due on the XXXX of each month with a 10day grace period, which then will accrue a late fee after the XXXX of each month. I get text messages from them 2 days prior to the due day and every day 2 and sometimes 3 text message a day inquiring about when can they expect payment. If I have ever been in a financial situations I have always communicated with them but to send message after message and say things like I don't know why you will not communicate and I have not even completed the grace period. I has just become overwhelming at this point.
03/30/2016	Yes	Consumer Loan Vehicle lease	Managing the loan or lease	VA 23607	Web
I agreed to have an ach payment from my checking account on XX/XX/XXXX and they drafted the payment on XX/XX/XXXX which caused my account to become negative i sent screenshots to them and they said they would take care of it, I adviced them because of there mistake and the ripple effect of other bills taken out of the same account that i needed sometime to get my affairs back in order. They harrassed me about the payment and asked have i ever made a mistake. I then emailed them a Cease and Desist as I would be contacting a lawyer for advice. They are still calling, texting and emailing me still.I have voicemails and emails if needed
09/01/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	NV 89015	Web
My account with Miss managed by reps causing me to be further behind affecting my credit report when I was told different by reps that claimed I could make arrangements to avoid going negative on my account when I was not able to afford to make a full month 's payment. When I unexpectedly went into collections for my loan I was surprised I was assured I would be in good standing then when I called in to address the situation I was yelled at, I was contradicted and I was asked " my version '' of the events when I confronted the ref who had made the mistake he said quote he works so many accounts I ca n't really recall what happened
08/30/2022	Yes	Debt collection Auto debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	IL 62221	Web
As of XX/XX/2021 I was contacted by my property manager that Prestige Financial had contacted her by phone to do a residence verification as if I was trying to obtain a new line of credit. This company has sent me harrassing emails from XXXX. I changed my number and the calls stopped but the emails continued. For a while they left me alone, and this is when they reached out to my landlord, and was demanding information on if I was being evicted, how much my rent was, how many people lived with me, etc. It was so shocking that she sent me a message asking me if I was trying to purchase something because of how demanding they were.
06/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IL 60617	Web
Prestige Financial services is reporting a late payment for XX/XX/21. The major credit bureaus are requiring a letter from Prestige stating there wasnt a late payment made XX/XX/21 and the company is refusing to provide the letter that is needed to correct this problem. I have called Prestige and was told someone would call me back and. I have yet to receive a call back. I need a letter from prestige stating there wasnt a late payment XX/XX/21. Prestige sent a payment history instead of sending the letter that is needed to fix this problem. Prestige continues to mark the complaint duplicate instead of fixing the problem.
09/29/2017	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	OH 45215	Web
I have contacted Prestige on 2 different occasions ( once on XX/XX/XXXX another on XX/XX/XXXX ) requesting validation of the alleged debt per FCRA. This is not my debt. I 've gotten no reply to either letter sent. Prestige is reporting invalidated information to major credit bureaus and causing defamation of character and creating a hardship for me, while also refusing to respond to correspondance. On these grounds alone, I demand that this be deleted from the credit file immediately. I have given ample opportunity to allow Prestige time to validate this alleged account. Attached is letters sent to Prestige financial.
08/15/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	OH 44313	Web
I have a loan with Prestige financial in which I usually pay over the phone with my debit card. I had some issue with the car which put my car payment behind. I notified the company and prior to my next pay I sent in a check. The check was for a specific amount in which I let the company know ahead of time. They in turn received the check, took the account information and routing number to process a payment without my consent. The representatives are rude, uneasy to talk to and can be intimidating. I used email to contact them and it clearly stated that I was NOT giving them my account information. Isnt that illegal?
08/10/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 94520	Web
My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX and XXXX XXXX my personal information was exposed in both of their data breaches. XXXX, then confirmed that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is XXXX
08/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MI 493XX	Web
Account is with Prestige Financial. Account was charged off and closed on XX/XX/2019 per XXXX with balance of {$17000.00}. I have made no payments to this creditor since. Again, charged off and CLOSED. Recently. Prestige ( only with XXXX ) re-opened this account and is reporting missed payments monthly and my balance has gone up to {$25000.00}. This month this balance showed up in my open accounts and dropped my score by 67 points. Am I wrong that reopening an account by the original creditor that has been charged off is FRAUD?? How can the balance keep going up when they charged the debt off?? Please help me.
11/13/2023	Yes	Vehicle loan or lease Loan	Repossession Company communicating payment assistance or payment extension options	CA 91604	Web
Hello, On Friday XX/XX/2023, the financial company Prestige Financial, repossessed my car after we had a payment agreement. I currently owe {$2500.00} as the balance of my loan on the car. My last payment was made XX/XX/2023 for {$400.00} We agreed on a {$450.00} payment for XX/XX/2023. I did not receive a repossess notice nor communication from them. They took the car. I called XXXX to report a stolen car. They called me back and stated that the police were informed that the car was repossessed. Again to be clear, Prestige Financial and I had an agreement. Now I am at risk of losing more than the car.
08/29/2023	Yes	Vehicle loan or lease Loan	Problem with a company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	CO 80016	Web	Servicemember
In XX/XX/2023, I was hospitalized XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and was without pay for 1 month. During this time, my auto loan was late. Causing me to incur a late payment on my credit report. I am now in the process to purchase a home and was informed that I will not be approved because the late payment with Prestige is negatively impacting my credit score. Due to the hospitalization in XX/XX/2023, I am requesting that the late payment be waived and update to paid on time. For the past 5 months, my account has been on automatic payment withdraw to ensure payments have and continue to be on time.
07/03/2018	Yes	Debt collection Auto debt	Threatened to contact someone or share information improperly Contacted your employer	VA 23455	Web
I was in an accident that resulted in my vehicle being a total loss on XX/XX/18. I informed prestige financial I could not afford payments because of pending medical claims I had due to injuries from the accident. I informed them once a settlement was received I would take care of remaining balance. On XX/XX/18 a representative from prestige financial called another branch in XXXX XXXX va from XXXX to verify employment and the address. my correct employment information and phone number was listed in their website and has never changed and they were aware of why I have not been able to make payments.
11/11/2019	Yes	Debt collection Auto debt	Communication tactics Frequent or repeated calls	TX 76107	Web
Prestige Financial calls and texts at the same time. They should either call or text. When their call comes in, it's always from a number that isn't theirs. However, as soon as they call, a text from Prestige will appear, in the middle of them calling me. When they do text, they send some long text wanting reasons why I can't pay and to set up an arrangement. They even text me two-three days before my payment is due to set up the next payment! I'm going through XXXX right now, and I'm still working. They'll get the money when they get it. Also, they call and text my husband the same information.
11/09/2017	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	GA 30058	Web
I fell behind on my car payments and gave the car back as a repossession. I have given them the car back. Today XXXX/XXXX/2017 I received a call from my apartment complex today stating that they have been harassing my leasing office for information on me. Why? You have the car and the leasing agents are really getting irritated. Then when I had the car the Human Resources director at my job was called by XXXX XXXX being very nasty and rude to her. She had nothing to do with my financial situation. The harassment has to STOP. This is over. You have the car. I will file charges for harassment.
12/14/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	GA 30349	Web
I owe a debt to a creditor and went through the litigation process and a judgement has been placed against me. I accepted the judgement for the amount of a little over {$10000.00}. This same creditor is still reporting to my credit report and the debt is growing. The debt amount is now {$14000.00} and growing. I 'm in the state of Georgia and this case went through the XXXX XXXX court system, civil action no : XXXX. Can someone please help me with this issue, I need to know if this is a legal act. I was once threaten with jail time harassing phone calls to my home and job. I feel helpless.
12/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IL 60617	Web	Servicemember
XXXX is reporting Prestige Financial Services late payment over 7 years. FCRA states you can not report a negative rating for longer than 7 years. XXXX has been reporting late payments for longer than 7 years and is refusing to remove the accounts from my credit report. I have repeatedly disputed this information and XXXX is refusing to remove this account from my credit report. Reporting a late payment longer than 7 years goes against the guidelines of FCRA. XXXX states this account is scheduled to come off in XX/XX/XXXX and they have been reporting late payments since XX/XX/XXXX.
08/03/2019	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	GA XXXXX	Web
PRESTIGE FINANCIAL SERVICES INC is continuosly attempting to collect a fraudulent debt by placing said debt ( account number on credit report # XXXX ) on the credit report of XXXX XXXX ( last four ss # XXXX XXXX. This alleged debt was settled in a court of law 3 years ago ( judgment attached ) yet PRESTIGE FINANCIAL SERVICES INC continues to list this fraudulent account. PRESTIGE FINANCIAL SERVICES INC hereby agrees that XXXX, XXXX can take immediate legal action if this alleged debt is not removed from the credit report of XXXX XXXX within 7 days of receipt of this complaint.
12/28/2017	Yes	Debt collection Auto debt	Communication tactics You told them to stop contacting you, but they keep trying	NC 28277	Web
Prestige Financial Services has repeatedly contacted me, my family, my coworkers, my past employer regarding a auto loan. I surrender the vehicle back in XXXX of XXXX because the car mechanical issues that I could not afford to repair, it was best to surrender the vehicle before it was repossessed. These people have continued to contact my previous employer as well as family members on multiple occasions. They have also continued to report the debt on my credit report inaccurately every month they change the reporting date to the current month as the original reporting date.
09/20/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	PA 190XX	Web
XXXX XXXX XXXX was a total loss in XX/XX/XXXX. XXXX paid their insurance balance of the car which left it to Gap to pay remaining of the balance. Gap of of today XX/XX/XXXX just processed their payment for the remaining of the balance owed to the Auto financial company. A late payment was added onto my credit that was incorrect and shouldnt have been added since they were informed on receiving the remaining payment of the car. Gap just made the payment and will be sending out a letter stating that sometime this week stated from the account manager who is working my case.
01/30/2018	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	CA 92127	Web
I have been harrassed non stop by phone, text and emails from XXXX XXXX company. They have violated many laws by contacting my ex boyfriend from a payment he made in 2016 we have since broken u and he was never authorized on my account only for a one time payment in 2016. The car company called him today and said that they were calling him in regards to my car accident and if he had more information they thenproceeded to lie to me and say that he is listed on my insurance policy which he has never been. They have continuously harrassed me regardin payment on the vehicle.
12/30/2021	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	TX 78233	Web
On my credit report I have a closed account with prestige financial services also known as pfs. Well the account was closed XX/XX/XXXX. Well there reporting it was closed on XX/XX/XXXX which isnt true. Also the account was written off. On a closed account they arent supposed to be accumulating interest or late payments since the account is closed. Under FCRA it is in Inaccurate and must be corrected or taken off my credit report. Also According to the IRS and debt over {$600.00} the company is supposed to send you a 1099-c which I havent gotten under the consumer laws
01/18/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	SC 29108	Web
I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.
01/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60108	Web
1. XXXX XXXX XX/XX/2020 and XX/XX/2020 {$580.00} 2. XXXX XX/XX/2020 {$97.00} I spoke with them over the phone and refused to take action. In accordance with the Fair credit recording act this creditor as violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy, 15 USC 1681 604A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open account consumer plan as late for any purpose
06/10/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	KS XXXXX	Web
I followed the same administrative process Prestige would of followed to discharge a debt. Mailled 1st certified letter XXXX XXXX XXXX XXXX XXXX to XXXX XXXX XXXX to claim credits and tender of payment on XX/XX/23. 2nd certified letter XXXX XXXX XXXX XXXX XXXX the opportunity to cure XXXX. 3rd certified letter XXXX XXXX XXXX XXXX XXXX Notice of default and cease and desist intent letter to sue on XX/XX/23. All letters went unanswered! I received return receipts of delivery. I have discharged the debt the proper way! I am a secured party by my signature alone.
12/16/2020	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	UT 84116	Web
Prestige has refused to release my title although the car has been paid off in full. I have been going back and fourth through the new financial institution for prestige to release my title to XXXX XXXX and they refuse although this has been paid for 5 years. I have now financed a new car where I have done a trade in on the car with title issues 2014 XXXX XXXX, this could potentially ruin my chances in purchasing a new car. I have gone to the dmv personally to fix the issue however prestige can not release the title to me to put chartway as the lien holder.
08/09/2019	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	AZ 85029	Web
I recently became XXXX and have tried to work out a lower payment and payment plan until my XXXX benefits kick in. The company agreed to a payment plan however one of their employees continually harasses me by phone and email demanding checking and credit card information. I have explained that I do NOT want to set up a payment date as it may lead to NSF charges and she continues to harass me about my checking and debit card info. I have asked that she NOT contact me any further and have even complained to her supervisor and she still continues to harass me.
05/05/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	GA 30238	Web
I had an auto loan with prestige financial group and I no longer have the vehicle. They have tried to get with me about paying off the car, but I no longer have the car and I dont have the car because I couldnt pay the note anymore due to financial hardship. The car was repossessed and they are still sending me emails to collect to car debt. Im pretty sure the car has been sold abs they are asking me for the full price the care was purchased for. I got the car in 2017 and it was repossessed a year later abs they are still reporting to my credit report.
07/10/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30106	Web
On XXXX XXXX I went to a car dealership for an auto loan, I asked specifically if they would shop it around and was told probably depending on if that lot could secure the loan. I said I did not want it shopped around because my credit score was already low and I had been taking small steps in fixing it myself. needless to say I start getting denial letters afterwards. I called and was told these inquires would n't affect my score but of course found out they did. I also went to a car lot around XXXX XXXX of 2017 as well and the same issue as before.
06/27/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	IL 60652	Web
My first dispute Letter was Sent XX/XX/XXXX. My second dispute letter was sent XX/XX/XXXX. My third dispute letter was sent was sent XX/XX/XXXX XXXX continues to report unverified accounts and have not provided this consumer with a copy of the original creditors documentation or Contract bearing my signature. XXXX has not provided this consumer with the information of who Verified these accounts by virtue of proper documentation containing my signature concerning a debt that is owed. XXXX is now in violation of the FCRA and noncomplient.
07/06/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	KS 661XX	Web
The company never sent correspondence stating how much the car was sold for in auction. Disputes with original creditor in XX/XX/XXXX, along with disputing with credit bureaus from XXXX, XXXX, and XX/XX/XXXX. The account is charged off and the creditor is reporting monthly that a payment is being missed and that amount of debt owe increases monthly if not being reported. Prestige Financial XXXX sent letter to me stating vehicle was auctioned off in XXXX for {$9000.00} amount owed as of today ( XX/XX/XXXX ) per credit report is {$17000.00}.
08/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	IL 605XX	Web
This company has failed to comply with the Gramm-Leach-Bliley Act. As a financial institution collecting nonpublic personal information from their customers, there are certain disclosures i should have been made aware of. It was never CLEAR AND CONSPICUOUS that i had the option to opt-out of sharing my personal information to third party affiliates such as XXXX, XXXX, and XXXX. You have knowingly and willfully with held information that explained I, the consumer, can exercise that non disclosure right. You are in violation of federal law.
07/03/2018	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	TX 77498	Web
XX/XX/XXXXReceived and email and was told must make a payment by the XX/XX/XXXX or will have to pay two car payments for XX/XX/2018. I have been in hardship since the XXXX storm. Lost Fulltime Job. And now been in hardship since then up until now XX/XX/2018. Working XXXX jobs. Was threaten to make 2 payments for being behind 34 weeks. For XX/XX/XXXX and XX/XX/XXXX. Refused to take the XXXX was advised to pay XXXX. Or threaten if I didn't give date for XX/XX/XXXX payment that isn't due till XX/XX/2018 Prestiege Financial is the Company
06/17/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	TX 75287	Web
I 'm very aware of the FDCPA- I understand that I have a responsibility to pay my debt. Yet my creditor should never harass me. On multiple times have I gotten a text message, email an voice mail all in the same day. I 've spoken with them about there practices, they seem to think they within the law which allows them to call me three times in a day. One day I spoke with a rep, told him how unhappy I was with the aggressive attempt. I disconnect the call, he followed with an email subject " Thanks for hanging up on me ''. Please help!!
10/11/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Loan sold or transferred to another company	TX XXXXX	Web
Continued complaint # XXXX ... .this is the third request for payoff instructions : on XX/XX/2018, the payoff amount is per CSR is {$20000.00} up fromXX/XX/2018 of {$20000.00}. Payoff address XXXX XXXX XXXX XXXX XXXX, UT XXXX Attn : XXXX. The company is known to debit customers accounts w/o proper authorization, this information will be forward to our personal accounts provided to Prestige Financial prior to paying loan in full. The lender will be expected to transfer title properly and immediately upon receiving payoff in full.
01/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	IL 60031	Web
I previously disputed this with Prestige financial Services indicating that they are reporting this account inaccurately and without my permission on my consumer reports! Due to the FCRA AND FTC commission laws consumer reports must obtain accurate information and Prestige Financial services is not submitting accurate information to XXXX XXXX and XXXX. It is reporting that the account was included in a XXXX XXXX bankruptcy and it was not. Please REMOVE from all three credit bureaus due to the inaccuracies being reported!
09/22/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	AZ 85138	Web
I have set up payments with XXXX financial and someone goes in a changes the date of my payment for their benefit. I set up a payment through my ACH to be ran on XX/XX/XXXX. The XXXX was processed for XX/XX/XXXX. I reached out to them to let them know about this error but no explanation was given. It happened again, I set up payment to be ran on XX/XX/XXXX but it was ran on XX/XX/XXXX. This company is known for shady practices, their employees are rude and move around customers payments to benefit them and their numbers.
09/26/2017	Yes	Debt collection Auto debt	Communication tactics Frequent or repeated calls	TX 75019	Web	Servicemember
I purchased this vehicle XXXX of 2016. Since then the collection efforts are beyond belief. You are harassed prior to your payment. Let 's say your due date is the 21st they claim it 's NO grace period which is fine but you are already receiving threatening collections calls, emails, texts, left messages at all of XXXX XXXX that morning. They do n't even give you the opportunity to open your eyes at least. When a message is left by law you are not to contact me again for that day. With this company that is not the case.
06/03/2022	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	NC 28532	Web	Servicemember
As I stated before, I was told something different. Before I started the process of agreeing to make those payments, removal was discussed. He said it would be taken care of after payments are made. That's why I agreed to make those payments. After I made my last payment something totally different came about. Now, it's we don't do removal and report accurately. Nobody cares what was said before I agreed to make those payments. I agreed to those payments under false pretenses. Again, that's what I was promised, Removal.
05/04/2020	Yes	Vehicle loan or lease Lease	Managing the loan or lease Billing problem	WI 53209	Web
My statement dated XX/XX/2020 lists a balance of {$13.00}. XXXX. The current principal balance on the statement is listed at XXXX. When I log in online it shows a principle balance of XXXX as of XX/XX/2020. The statement indicates that fees are included in the total balance but this lender is charging me separately for fees with a balance of {$940.00} and they also have not applied any payments that I made to the fees balance on the statement. This lender is charging me incorrectly and using fraud billing tactics.
10/18/2017	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	AZ 85282	Web
I have had my car for XXXX XXXX and was in need of an extension for a payment due to having to move. I was on auto pay and advised them to remove me from auto pay due to the situation. When I asked for an extension I was advised I know it wo n't be approved without the agent attempting. I have received multiple text messages from the company and calls. I texted back and advise them to seem to cease communications because the calls and text were harassing me. However I have contionisly received phone calls everyday.
07/10/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	WA 986XX	Web
I received an auto loan from XXXX XXXX XXXX who stop reporting my Car loan to the credit bureaus and now they merged with another company called prestige financial. I have been calling them for a month and now they tell me they do not report car loans anymore which took my score. I have no credit score now yet I am up to dat on all of my payments and have been current with a balance and still pay for the auto loan yet they refuse to report to the credit bureaus. I need some help please as I am trying to buy a home.
05/23/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	AZ 85008	Web
My auto financing company continually harasses and uses threatening tactics. My payment is due on the XXXX of every month. I have never been 30 days late on my auto loan. Anytime I do n't pay of the XXXX or have a promise to pay. They harass me everyday via text messaging, phone calls, and email. Usually it 's a phone call and text on the daily. I 've received threats that they 're coming to pick up my vehicle. They informed me that I 'm going to have to pay double. There very rude and nasty when I do speak to them
12/13/2017	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	AZ 85203	Web
On XX/XX/XXXX I purchased a used XXXX XXXX XXXX XXXX at XXXX XXXX XXXX for {$15000.00} The vehicle was financed through Prestige Financial and my monthly payments were {$370.00} for 72 months. I made a total of {$6400.00} in payments in which {$820.00} of that was applied to the principle balance. Now my balance is approx {$16000.00}. I was never made aware of any additional charges to my loan and have requested them to give me a detailed explanation of charges and they have not provided me with anything.
08/29/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IN 46311	Web	Servicemember
here are inquires that i dont recognize nor did i give approval to look into my credit report : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Auto Finance XX/XX/XXXX XXXX XXXX Auto Finance XX/XX/XXXX XXXX Card XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXXXX/XX/XXXX
11/25/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MD 21206	Web
Prestige Financial S Account # : XXXX Date Opened : XX/XX/2016 No Knowledge of this account. I have sent several letters I have asked the company to provide me with copies of the original contract. This is the final follow up to resolve this matter. It has been over 30 days since I have heard a response to my 3 attempted letters that has been sent along with a online complaint commission. This account needs further investigation and Original Signed Contract needs to be provided as requested.
04/29/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	TX 75212	Web
I am writing because I have been disputing an item PRESTIGE FINANCIAL SVCS on my credit report that is inaccurate and out of date. I have disputed this items several times with no results. The company should have removed it back in XX/XX/XXXX but keep updating the information as if the account is still opened. This account was closed in XX/XX/XXXX due to vehicle repossession through bankruptcy dismissal and placed in collections for the balance different after the car was resold in XX/XX/XXXX.
08/11/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	CO 80021	Web
I paid off my home loan lived at XXXX XXXX XXXX XXXX Colorado XXXX not showing on my credit report. Mortgage was through Colorado XXXX XXXX XXXX had a down payment assistance loan as well paid in full for both. XXXX plus the XXXX in down payment assistance. Address is not showing paid off in XXXX was not included in bankruptcy was paid in full. Paid off in full have the documents. Also had a XXXX XXXX XXXX paid off in full from Prestige Financial paid in full not showing on credit report.
10/04/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30022	Web
I was a victim of Identity theft in XX/XX/2016 and I was carjacked with my purse inside of the vehicle. Someone took my social security and ID and opened a car loan in XX/XX/2016. I have been going back in forth with Prestige Financial to remove this item from my credit report and they have not been cooperative.I need this item to remove from my credit report so that I will be able to purse a vehicle. This negative impact has affected my credit rating and is showing up on my credit report
06/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 752XX	Web	Servicemember
I am a victim of identify theft, which resulted to someone opened an auto with the lender Prestige financial for {$25000.00} using my personal information such social security and legal name. I have been in contact with XXXX credit bureau for more than 60 days of the on-going claim of fraud, after countless of legal documents and requested information they still failed to see the evidence on my file number # XXXX. I have attached documents for proof of this claim for your reference.
09/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	FL 342XX	Web	Servicemember
Prestige financial keeps showing my account as a new date over and over. The account is a write off as of XXXX possible the first of the year XXXX, Prestige is showing my account as of XXXX XXXX. This this showed back up on XXXX XXXX in XXXX. And they are adding onto the amount showing a late fee. lI have disputed this through XXXX XXXX. They did get this taken of in the previous attempts that Prestige went back in a placed a different date on the account. Please make them stop.
02/14/2022	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	WA 982XX	Web
Prestige Financial repossessed my car on XX/XX/19 The XXXX was paid off with the bankruptcy and they did not give me my title and told me I would interest on it I didnt got a lawyer to look at the paperwork and they sent them a letter saying they owed me XXXX which of I paid XXXX And did not get a response my next step is to do the complaint here and if that doesnt solve it hire a lawsuit lawyer which my lawyer told me I can and they crammed the down the bankruptcy interest rate
01/03/2017	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	TX 75134	Web
Prestige Financial contacted XXXX of my references and gave detail information on her voice mail regarding my account : My account number, the amount of days past due, My full name and also other confidential information that was not permitted to give out to any unauthorized 3rd party. 3rd party ( reference ) advised Prestige Do not Call her phone any more and she was called several times after that. I have received threating emails, text message and calls multiple times a day.
07/13/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	MD 207XX	Web	Servicemember
XXXX is advising that they are reporting the information that Prestige Financial is reporting to them. Prestige Financial is stating that they are reporting the correct information. The only credit report that is not reporting the Prestige account correctly is XXXX. The other two bureaus are reporting the account correctly. XXXX is reporting that 10 of my payments as no information. This behavior causes my credit score to be lower. XXXX and Prestige are playing the blame game.
08/24/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	IL 60005	Web
On XX/XX/ I erroneously paid Prestige XXXX XXXX a payment of {$260.00}. OnXX/XX/XXXX I erroneously paid Prestige a payment of {$240.00}. I no longer use Prestige XXXX XXXX. I am with XXXX. I did auto payments from my checking and it erroneously went to Prestige XXXX XXXX. They have refunded me the {$240.00} but NOT the {$260.00}. I have called Prestige numerous times. I get a different story every time. I have faxed and emailed my banking statement to them to no avail.
02/07/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IL 60563	Web
I have an unauthorized inquiry from PRESTIGE FINANCIAL SVC I have not heard of companies pulling peoples credit without permissible purpose and I have yet to see verification of those purposes provided by your company. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
09/19/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	MD 21403	Web	Servicemember
XXXX and Prestige Financial are conspiring to keep inaccurate information on my credit file. I filed for bankruptcy in XXXX XXXX Prestige has updated the account to show as a charge-off with no information about the bankruptcy in addition the charge-off amount is XXXX XXXX but they are reporting past due XXXX XXXX. I have previously disputed the past due amount with XXXX, Prestige and filed a complaint with CFPB in which I was provided a half-hearted response.
10/05/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	TX XXXXX	Web
In addition to a complaint already filed, # XXXX ... .we have noticed and retain proof of paying {$300.00} before the 30 day mark. The company has not accepted the payment and by XX/XX/2018 the payment has not been ACH debit from our account as it has for the last 16 months. We are paying the loan off with Prestige Financial and will record and track each step of this transaction. We would like them to respond as soon as possible with payoff instructions.
03/27/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	AZ 85143	Web
Had a vehicle loan with Prestige auto, after years of paying and being harassed by the company we voluntarily gave back the vehicle we then filed bankruptcy in 2006 and Prestige was an account on the bankruptcy, I have requested this to be deleted off my credit report and no one is doing this also there i a address in XXXX on my credit I have only lived in XXXX My entire life never anywhere else. This has caused me no to get jobs, places to live and loans
11/08/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Struggling to pay your loan	LA 70301	Web
XXXX XXXX was totaled in XX/XX/XXXX. I have repo fees that were added to my account twice and the interest wasn't adjusted until XX/XX/XXXX when the contract states that in the even of a not at fault total loss, the interest would be reduced. It wasn't reduced till XXXX. I asked for a proof of the payments to repo company. I was overcharge by Prestige on repo fees. I'm requesting proof of what company they paid and amount. I never received the documents.
12/08/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NC 28056	Web
ON XX/XX/2018 I WENT INTO XXXX XXXX XXXX TO TRY TO PURCHASE AN CAR.I WAS VERY PACIFIC TO NOT RUN MY CREDIT MORE THAN TWICE TO FIND OUT THE NEXT DAY THAT MY CEDIT WAS RAN 8 TIMES. I WAS APPROVED THROUGH ONE LENDER XXXX XXXX BUT THREE WEEKS LATER THE LENDER DECIDED TO DECLINE THE LOAN. THEN WHILE I WAS AT WORK UNAWARE WHAT WAS GOING ON XXXX XXXX XXXX DECIDED TO RUN MY CREDIT THREE MORE TIMES WITHOUT MY CONSENT. THIS HAS DAMAGED MY CREDIT SCORE SOME MORE.
01/25/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	MD 20721	Web
XXXX XXXX XXXX has me over 34 days past due is this is NOT true as my account is paid and up to date as of today XX/XX/2018. I have been working with them since XXXX and XXXX to bring my account current and they still have fees on my account. We currently have an agreed payment on file in the amount of {$540.00} vs {$590.00} which was put on my account by my account manager 3 years ago. I am sick of their illegal collection policies and practices.
07/17/2017	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem while selling or giving up the vehicle	NV 89139	Web
i have dispute before and this company very terrible to fixed stuff, i have no longer responsible anything with the car, instead of they closed the loan since they have sold the car into the auction but on my credit report showing that i have the car still open and showing voluntary repossession on my credit report and also they are increase the the price every months i dont know why they did that i have proof that they kept changing the price.
09/03/2022	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	TX 77477	Web
In XXXX, a notice rescinding the agreement for non-disclosure, UCC and 15 USC consumer law violations from PRESTIGE FINANCIAL SERVICES was received by them but has not been responded to and the 20 days expired placing them in violation of 1026 ( c ) ( d ) ( 2 ). They refuse to resolve this issue by remedy stated therein of the rescinded instrument yet harassing me via text messages about making a payment without resolution to the rescission.
04/29/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	IL 60174	Web
I financed a new vehicle in 2012, while having a job of 44 years. I became XXXX and are now receiving SS benefits. With being on a fixed income, medications such as XXXX XXXX and doctor bills, then regular cost of living, housing, etc these very high monthly payments are a struggle. All I 'm asking is to lower my monthly payments, so I have a vehicle for doctors appts, grcery store, church, etc. My finance company refuses to help me.
03/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AZ 859XX	Web
Prestige Financial has been Harrassing badly. This company has been threatening me over the phone.They have been giving false balances to the credit agencies. They lied and stated to XXXX that I was included in my bankruptcy they werent. When my score goes up they report a fake balance. When ever I do a review on XXXX or XXXX they follow me and report and increase to the credit bureau. They filed bankruptcy and still want me to pay.
09/09/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA XXXXX	Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for a purpose.
10/01/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	IL 604XX	Web
I gained a car loan XXXX XXXX XXXX for a 2013 XXXX XXXX hybrid. I've had loan for 41 months -- simple interest loan- ( unbeknownst to me initially at dealership-XXXX XXXX XXXX Illinois- Sales Rep- Mr. XXXX ) through financial institution Prestige Financial. As of today XXXX, It has been stated that I owe XXXX. I strongly believe I have been a overcharged based on being a XXXX XXXX woman. Please help! XXXX XXXX XXXX XXXX
12/12/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MI 486XX	Web
Prestige Financial Services is incorrectly reporting the balance owed on my account on all three credit reports. The actual balance as of XX/XX/18 was {$8000.00}. I make payments biweekly and this balance will go down every month. Prestige needs to accurately report the balance owed monthly! It says on my credit reports that the last time they updated the balance owed was XX/XX/2018 and left it at XXXX obviously this is false.
12/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	KS XXXXX	Web
According to 15 usc 6802 no transactions are permitted. 15 usc 6801 a.b.c no public information, Right to Privacy Act 1978 consumer law protects me. The GLB Act allows me the right to opt out. I did ask for them to remove them and customer service by law they had to report them. I asked to speak to supervisor or manager and was put on hold and call disconnected, I text XXXX of the finance managers and told them the problem.
07/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	UT 84096	Web
Prestige Financial Services is reporting a few lates on my credit file. The lates are from XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I made my payment online & it kept giving me an error even though it said it went through. I keep having this issue with your online system and i am not notified about the payment not going through until the account is marked late on my credit file. I need these lates removed from my credit file.
11/29/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	AL 35215	Web
XXXX is reporting inquiries on my credit report that I do not recognize nor did I approve. Listed are ; XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX Prestige Financial XXXX/XXXX/XXXX XXXX XXXXXXXX/XXXX/XXXX XXXX is reporting inquiries on my credit report that I do not recognize nor did I approve. Listed are ; XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX
09/30/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	TX 75181	Web	Servicemember
Had a car finances through prestige financial voluntarily gave the car back in 2013 and since then the account has been charged off. I have been working on my credit and noticed that they keep re aging this account to make it appear to be a new account every month and it is negatively affecting my credit score. According to the FCRA that is illegal to re age an account and I need it to be taken off of my. Redit report.
01/31/2018	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	OH 44011	Web
I've been with this thieving company since 2013. Bad credit and a BK forced me to take their unconscionable terms for a car. The rate is abhorrent - they have only credited {$3500.00} of a {$16000.00} balance in 5 years. These people are vampires. I'm not even a month late and now they're back to the threatening tactics. I want this company to lose their license to make auto loans. They prey on people. It's disgusting.
04/30/2022	Yes	Debt collection Auto debt	Communication tactics You told them to stop contacting you, but they keep trying	AZ 85041	Web
I have told them about the excessive text messages multiple times a day and multiple days back to back. They finally said they would stop text communication and literally a day later I'm getting another text basically threatening if payment not paid will report late for XXXX it's not even 30 days late and yall shouldn't be texting me anymore. Its gotten to a point it feels like harassment and I expressed that to them.
01/30/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	AL 352XX	Web
Prestige Financial located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX, phone number XXXX, alleges that XXXX XXXX owes {$23000.00} for an auto loan. Opened XX/XX/XXXX. Prestige falsely alleges a payment from XXXX XXXX from XX/XX/XXXX. XXXX XXXX has never made any payments to Prestige. XXXX XXXX is XXXX, disabled, receiving SSI benefits and has never contracted or paid Prestige Financial any money at anytime.
08/25/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	CO 80013	Web
My car was a total loss in an accident XXXX. Prestige Financial accepted the payout settlement from essurance for {$3100.00}. Prestige still falsely charged off {$4300.00} even after we were under bankruptcy protection. I have written Prestige directly and disputed their claims on all XXXX credit bureaus without success. If this does notget resolved our next plan of action is to seek legal counsel and damages.
02/25/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MD 20748	Web
had a vehicle through Prestige Financial services. It was repossessed back in XX/XX/2011.I tried to fight the company in court because they knew the engine had been bunked when we first purchased it.Fast forward I got a garnishment. The whole time that I have had this garnishment this debt has been reported on my credit report as late. how is that when it automatically comes out of my check twice a month.
03/22/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA XXXXX	Web	Servicemember
XXXX credit Report of XX/XX/2019 derogatory remarks removed by XXXX with the communication of Prestige Financial Services. I marked with word of delete for Credit Reporting agencies to delete negatives and for evidence for Prestige that negatives of my Auo loan # XXXX was removed by XXXX. Prestige administration made communication with XXXX to delete derogatory from my credit Report for XX/XX/2019.
08/26/2019	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	KY 40403	Web
Opend loan XX/XX/XXXX, lost my job after a year of payments. Auto was repo 'd. Never received any letters from Prestige Financial. Not sure if auto was sold. But the past due amount increases each month since XX/XX/XXXX. I have disputed this account through the reporting bureaus, it is validated each time. I disputed directly with Prestige Financial asking for paperwork proof, they did not respond.
08/23/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	AL XXXXX	Web
I pulled my credit the first week of XX/XX/XXXX and found a number of unauthorized inquiries, this being one of them. I sent them a letter dated XX/XX/19 that asked them to either provide me with proof of authorization or remove this inquiry from all of my credit reports because I do not recognize and did not authorize such inquiry. It's XX/XX/19 and I still haven't heard from this company.
09/19/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	CO 80016	Web	Servicemember
XX/XX/2023 car payment is showing XXXX days late on my credit report. I checked my account and I paid {$480.00} on XX/XX/XXXX and {$480.00} on XX/XX/XXXX. I have never been late since I have had an auto loan with Prestige. This is reporting inaccurately and I am requesting this payment be changed to Current, as I have been on Auto Pay since XXXX to ensure payments are made promptly.
05/17/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 17055	Web
I've made several attempts to correct the issue with Prestige Company. Company stated applied for a vehicle on XX/XX/2018 from XXXX XXXX and XXXX XXXX XXXX. Made contact with both companies with certified mail and they failed to comply according to FCRA. Prestige continue to report Hard inquiries on report. Requested hard copy and continue to get letters not complying to guidelines.
01/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	IL 60443	Web
Prestige Financial Services is reporting 3 inaccurate late payments XXXX XXXX XX/XX/2018 to my XX/XX/XXXX credit report. Ive disputed the inaccurate information with Bank statement to XX/XX/XXXX no luck they wont delete them even wit my bank statements showing I made the payments. Ive reached out to Prestige Financial Services numerous times with no luck getting this issue resolved
03/28/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IL XXXXX	Web
I noticed some unknown hard inquiries on my account from the source : XXXX XXXX on the dates : XX/XX/ XX/XX/XXXX XX/XX/ XX/XX/ I called the company numerous times and they constantly told me I needed to call XXXX and XXXX says I need them to handle the matter. The company is giving me the run around and I no longer can deal with the stress of no one trying to solve my problem.
12/20/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IL 60133	Web
The last payment was made XX/XX/XXXX following no other payments. The company admits there were no payments made after that date and that it was charged off then. Charge offs occur between 120-180 days of not payment. If Prestige Financial received the last payment XX/XX/XXXX why are they reporting to the credit bureaus that the account was charged off in XXXX two years later?
02/01/2019	Yes	Vehicle loan or lease Lease	Managing the loan or lease Problem with fees charged	VA 22408	Web
Have paid off principle balance but payoff balance continues to increase. Most recent statement shows " total balance '' owed as slightly over 300.00. However, payoff is over 640.00. Company states it is due to fees but then why are those fees not listed/included on the statement? Made payment of XXXX in XXXX and payoff amount increased for XXXX with no principle balance due?
08/18/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	AZ 85138	Web
I had a automobile repossessed in 2012. The company that held the autoloan keeps removing the account from my credit report and then a month later they add it back. This keeps changing the date the account was closed and pro-longing the removal of it from my credit report. It also negatively impacts my credit score. In some cases as much as XXXX points when they do it.
04/08/2016	Yes	Debt collection Auto	Communication tactics Threatened to take legal action	VA 23451	Web
This company insist on calling and send I my emails asking me do I still want my vehicle when I am noteven 30 days late. I have saved voicemails and emails as proof that even speaking with Prestige Financial reps about payment arrangements, they still insist in calling and e-mailing because they want more information from me or someone forgot to note the account.
01/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77090	Web
I sent in letters to remove inaccurate credit information With the help of The Federal Trade Commission enforcing The Fair Credit Reporting Act ( FCRA ), which promotes the accuracy of information in the files of the nations credit reporting agencies, we have the power to challenge every questionable negative item on your behalf. we challenged on XX/XX/2021
02/25/2020	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	VA 23112	Web
This account has been paid in full and is showing a late payment in XX/XX/2019 and XX/XX/2019. I'm in the process of trying to buy a home and the late payment reporting is affecting my chances of becoming a homeowner. Please consider as a Goodwill courtesy and that all other payments were made on time please consider to update as a Goodwill courtesy. Thank you
08/16/2017	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	VA 201XX	Web
I took out a loan with Prestige Financial years ago for XXXX, as of today, I still owe {$8000.00} I have paid over {$20000.00}. I can not trade it in, nor is the value of the car worth what is owed. They have processed payments without my approval. When I confronted them, they said there is nothing they can do. I 'm done with the harassment from this company.
08/15/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	GA 30030	Web
I had a car loan for Prestige Financial. I offered to pay them XXXX to settle the balance on my car loan. They would n't agree to take it. So they picked up the car and sold it at the auction for {$4000.00}. They are now saying that I owe them more than what they are owed. They are asking to me to pay {$9500.00}. My balance should not longer be that high.
06/03/2018	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Problem after you declared or threatened to declare bankruptcy	AZ 85339	Web
I filed bankruptcy and this vehicle was included but the company is still showing the account open on credit report but no balance owed but I got a letter that show I still owe XXXX the account is closed also on my credit report so it should not still be showing open also the company did get the car back as I surrendered it back to the prestige financial
10/19/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	IL 60505	Web
My Vehicle was reposed, the company sold the vehicle at the auction and didn't issued credit for sale. The company is trying to collect of the full balance in auditioned is trying to collect interest after the account was charged off on XX/XX/. I would like for this account to be removed from my credit report as its reporting incorrect information.
04/30/2021	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	MI 486XX	Web
The judgement in the amount of {$12000.00} was satisfied by garnishment. The garnishment order expired XX/XX/18. The company is still reporting a balance of {$2700.00} owed, on all three credit bureau reports. This needs to be updated. They are not entitled to the extra interest they are seeking or the judge would have included it in the judgement.
02/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MI 482XX	Web
The account with PRESTIGE FNL with account XXXX has been closed for so many years but I kept on seeing it on my credit report. This account has no payment history record in 3 Credit Bureaus. I'm not sure if the 3 Bureaus have conducted a thorough investigation prior to reporting this account to be derogatory. PRESTIGE XXXX XXXX XXXX : {$17000.00}
11/23/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX XXXXX	Web
A previous report was filed because Prestige Financial refuse to acknowledge request for loan payoff and additional request to report " loan paid in full '' once payment was received. After checking with all the bureaus ... .credit report reflects to auto loans out owing more than 40.0000.00. I request this information to be corrected immediately,
02/19/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IL XXXXX	Web
I have no knowlege of the following inquiries on my credit report. I have disputed them on numerous occassions, and the companies have failed to correct the inaccurate information/inquiries reported to my credit report. XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, Prestige Financial Services XX/XX/XXXX
09/24/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	NJ 080XX	Web
On XXXX XXXX it shows that my balance on my Auto Loan increased {$270.00} between XX/XX/18 and XX/XX/18. It went from {$17000.00} to {$18000.00}. I pay at least 14 days early every month and my interest rate has dropped due to good payment history. I was not offered a reason for the increase. This caused my credit score to drop XXXX points.
10/04/2015	Yes	Debt collection Auto	Communication tactics Frequent or repeated calls	TX 76039	Web
The are calling me from different numbers, texting me, and emailing for a a payment on my car. Threating to repo my car pull my contract, just harassing me, and it starts before my payment is due and the worst part they report to the credit bureau and they have not reported me late one time so im not understanding why all the harassment.
04/29/2017	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	AL 351XX	Web
I purchased a XXXX XXXX XXXX in XXXX XXXX and paid on it until till XXXX XXXX . I ran into financial trouble and voluntarily let the car go back. Now the loan company prestige financial has sent me a summons for the amount of XXXX dollars when I bought it for XXXX dollar. It was repo in XXXX XXXX and sold to auction
02/11/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	GA 30032	Web
Well I got a loan on a XXXX Toyota Corolla. The Dealer told me to drive the car for one year and pay on time.He told me I could refinance. That did not happen. I pay XXXX a month for 72months. By the time I get through paying for that car. I will have given them {$37000.00} Which is outragous I have already given them over XXXX dollars.
03/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30350	Web
Unauthorized inquiry to my consumer report demand {$1000.00} per violation. Invoice payment and letter attached. I have not authorized this company to obtain my credit report. You are in violation of The Fair Credit Reporting Act. 15 USC 1681, 15 USC 1681b ( f ), 15 USC 1693a ( 2 ), 15 USC 1681n ( a ), USC 1681 ( e ), 15 USC 57 ( b )
08/17/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX XXXXX	Web	Servicemember
Received credit reporting alerts and XXXX is displaying a 30 days late, deliquent, Missed payments account on my Prestige Financial Services vehicle loan account # XXXX. Issues was resolved with loan lender and lender stated no negative reportings. Federal Government complaints was filed against Prestige. I am XXXX XXXX and Retired.
10/04/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	TN 38401	Web
We financed a car with Prestige Financial in XXXX of 2014. We have paid somewhere around 25k for a XXXX car and they say we still owe almost 8k. Is an almost 50 % interest rate legal? Because thats what it will be after we pay all the payments. XXXX for a XXXX car. I dont know how it could possibly be that much and it be legal.
03/11/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	MD 20744	Web
I financed a vehicle with them in 2018 never had a later payment. I basically went to the dealer and traded my car in, and bought another vehicle. Then all of a sudden they started saying i owe them {$11000.00} the car was paid off as a trade in. So this information is inaccurate, and needs to be removed from my credit report.
08/31/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	WA 984XX	Web
Companies have exceeded the maximum allowable days of investigation and have not given verifiable evidence of the accuracy reporting on of credit report. Also they didnt have permissible purpose to furnish this information on my consumer report ; and violation of FCRA 15 U.S. Code 1681i Procedure in case of disputed accuracy ;
07/26/2019	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	VA 23832	Web
Prestige Auto has failed to update the past due history on my account. Prestige Auto received a payment from my insurance company in the amount of {$16000.00}. Prestige is currently showing inaccurate past due history. I have tried several times to have this information updated however the correct updates have not been done.
04/04/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	OH 44039	Web
I have emailed, called and text messaged Prestige to obtain information on how to voluntarily surrender the vehicle or remove the co-signer from the loan or refinance the loan. I am the primary lendee on the loan. The lack of response from the lender is going to negatively impact my credit more than if they were to respond.
03/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	CA 949XX	Web
My credit reports show the agencies are reporting a bankruptcy with inaccurate information wrong dates and filings that appears under my name the account is outside of the bankruptcy when should be included in the filling the courts have confirmed they have given no agency the right to post this information in my file.
03/06/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA XXXXX	Web	Servicemember
Prestige Financial Services are not deleting the negatives out of my credit report as on XX/XX/2019. On XX/XX/2019 I spoke with XXXX Account Vice President and finalize a XXXX XXXX XXXX Visa Debit payment of {$440.00}. I will implement the explaination by email to CFPB of XX/XX/2019 on conversation with XXXX.
06/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 43232	Web
This is my second dispute and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I donot recall doing business or applying for accounts with the following : -PRESTIGE FINANCIAL SVCS # XXXX -XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX
09/04/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	FL 32210	Web	Servicemember
On XX/XX/2023 Prestige Accounting Financial Consultants debited {$500.00} from my checking account unauthorized. They've done this to me several times and I've explicitly requested that they don't auto draft from my account and that I will make payments by contacting them instead. My updated phone number is XXXX
08/13/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NC 28208	Web
I have been trying to get this Hard inquiry off my credit for several months now. I have notified all 3 Credit Bureaus to get Validation of my signature asking this lender for credit. They keep responding with it is verified, but I do not know nothing about this company and has asked it be removed several times.
10/02/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 76123	Web
Hello down believe I will be attaching a file of all the inquiries that I didnt approve of none of these are me and they have all been done fraudulently I have been trying to reach out to get them removed and no information has been provided to be for these to be accurate please remove these in a time manner
08/07/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MD 21222	Web
I have a loan with XXXX, XXXX, and PRESTIGE FNL. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX, XXXX, and PRESTIGE FNL with no successful resolution. There was definitely an error on their part.
07/29/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	AL 357XX	Web
Obtained loan from Prestige Finance Services Inc. When payment was coming due, they would begin calling me, texting me, and emailing me daily until payment was made. Had auto repossed. Daily calls, texts, and emails continued all throughout the day after I asked numerous times for them to STOP.
12/21/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	WI 53208	Web
Prestige Financial reported falsely on my credit report that I owe {$14000.00}, the car has been repossesed and the amount should reflect the sale of the vehicle and in amount due that is left over as a result. Further they continue to harass me via email with false alligations and tactics.
09/07/2017	Yes	Debt collection Auto debt	Communication tactics Frequent or repeated calls	MO 63137	Web
On XXXX XXXX XXXX I contacted Prestige financial about a debt that was alegged that I owe do to a car repossession. Prestige financial representatives XXXX DID NOT VERIFY THAT I WAS THE CUSTOMER BEFORE DISCLOSING PERSONAL INFORMATION AND SHE ALSO DID NOT DISCLOSE THE FDCPA MEMORANDUM AFTER
07/07/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	TX 75056	Web
I have received text messages that I never authorized. The text have threatened repossession. I have received emails threatening repossession. I had been in a bankruptcy at which they contacted me while I was in it. Received a text and a voicemail back to back. I have email and text saved
08/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 75075	Web
Hello, XX/XX/XXXX, XXXX reported a late payment. For Prestige financial. Which this is a charge off. The amount of {$11000.00} is not correct. Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX. Phone number XXXX. My score drop XXXX points. They are reporting to XXXX and XXXX as well.
11/30/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 30134	Web
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable and needs to be resolved.
06/12/2019	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	IL 60419	Web	Older American
MY LOAN ENDED IN XX/XX/2019, THERE ARE CHARGES FOR MISSED PAYMENT AND FEES THAT REMAIN ON MY ACCOUNT. PAYMENTS AND FEE THAT I AM NOT AWARE OF. NEED BREAKDOWN ON THESE FEES AND MISSED PAYMENTS. STATEMENTS NEVER REQUESTED FEES DUE UNTIL NOW. {$3700.00} BALANCE {$1800.00} FEES DUE.
06/12/2017	No	Vehicle loan or lease Loan	Struggling to pay your loan Problem after you declared or threatened to declare bankruptcy	IL 60101	Web
They financial company keep harassment me. They keep sending me texts. The financial company is on all my credit report as a bankruptcy. I was paying them for 23 months on time and they report. On my credit report. Now I have stop paying.Now they want to put it on my credit.
04/05/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	MD 20747	Web
PRESTIGE FIANCE COMPANY WOULD CALL ME AND HARRASS ME AND MY FRIENDS AND DAD THAT WERE ON THE APPLICATION AS REFERENCES. TOLD ME BORROW MONEY AND DONT PAY MY RENT TELLING MY FRIENDS WE KNOW SHE IS AT THE SALON GETTING HER LASHES DONE CALLING PHONES MORE THE 5 TO 6 TIMES A DAY
10/09/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	IL 60623	Web
XXXX XXXX has not removed negative information about my bankruptcy. I 've contacted XXXX on multiple accounts without it being removed. Due to the new law issued XXXX XXXX states that improper or negative and or personal information can not be displayed on my credit report.
07/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 76549	Web	Servicemember
I have reach out to presige financial about innacuracies on my credit and ask to validate the debt as well as original contract. They have not responded within the legal amount of time and have unaccuries on my credit report and addresses and amounts they can not validate.
05/20/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	KS 67217	Web
My XXXX credit bureau was pulled by Prestige Financial on X/XX/2014. I do not recognize this company and have been the victim of identity theft. I asked they provide a copy of my drivers license to prove it was me requesting credit to which they refused to provide.
07/10/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	VA 22407	Web
Continued Harrasment By Daily Phone Calls & Daily E-Mails Received by Different Prestige Financial Services " Employees '' After I Filed A Complaint With CFPB in XXXX or XXXX of XXXX and Set-Up a Payment Plan With Prestige Please See " All '' E-Mails Received To Date.
03/10/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	GA 30052	Web
I purchased a vehicle around XXXX 2008. Due to financial difficulties, I fell behind on my payments, and the vehicle was repossessed. The company sold the vehicle, and filed a judgement against me. They are stating that I owe over the purchase amount of the vehicle.
01/14/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	OH 44011	Web
Prestige claims to be a second chance loan offering. They aren't. They take advantage of people with incredibly high interest rate loans that they tack fees upon fees on to the note. They offer to help but they really seem to want to hurt people more than anything.
09/04/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	UT 84118	Web
I went to XXXX XXXX XXXX XXXX on XX/XX/2020. I authorized for one credit pull. Without my consent, 2 financial institutions had pulled my credit, resulting in 3 hard inquiries on my credit report. I did NOT authorize the financial institutions to pull my credit.
09/21/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IL 60543	Web	Older American
In XX/XX/23 I paid off my car loan with Prestige Financial, the paperwork I got back from Prestige shows my account paid in full. All three of the major credit bureau show the account closed, which is not accurate. Prestige did not report my account correctly.
03/28/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	UT 84116	Web
Prestige Financial a debt on my credit file that I do not owe. This debt was included in my Bankruptcy # XXXX. They are in violation of the Bankruptcy Law Act for continuing to report a balance. They are also still updating every month. This needs to be fixed.
12/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	LA 704XX	Web
I did not give any of these companies my permission to use my information. XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
09/29/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60629	Web
There is a vehicle charge off on my credit report from Prestige Finance and this appears to be fraud. This has hurt my credit tremendously and I would like this item removed. I have tried to contact the company but they would not assist me in this matter.
02/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33610	Web
Prestige financial is showing on my credit with a balance of over {$5000.00}. This was paid off back in XXXX of XXXX and has a XXXX balance. This is fraud that its showing on my credit and there is no balance and this needs to be removed immediately
09/28/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	DC 20018	Web
This creditor is extremely aggressive in their collection practice they are harassing me not only at work but on my cell phone as well. I 'm trying to work somthing out with them but they are treating me like a dog. Can you please help me with this.
09/23/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MI 482XX	Web
on XX/XX/2023 prestige financial gained unauthorized access to my credit report causing a dent on my credit report affecting my credit score and being denied my credit usage due too these hard inquiries. This inquiry is a violation of 15USC1681n.
06/05/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX XXXXX	Web
I did not authorize this company to check my credit. I do not have any agreements with them so the inquiry on my report needs to be remove. They are saying someone else requested but it was a pull from there company. Please remove immediately
11/21/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	CA 95815	Web
Non stop emailing me about payments. Days before the payment is due and every other day until the due date. If I tell them to stop emailing me then I get a cease and desist on my file and can't correspond at all with them. It's undue stress.
02/27/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 75070	Web
i have unauthorized credit inquires on my credit report, i have sent in letters to merchants who can never locate a account and i have sent letters to credit bureaus who tells me to reach out to merchant with no ACTIONS taken.
12/05/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MD 207XX	Web
Prestige Financial continued to report false information on my credit files without validation and verification as requested. I continued to request for verification and validation but to know avail. This is not my account.
06/30/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	MN 55446	Web
The company updated my payments to have XXXX then the company reflected that I have XXXX owing. I sent an email to have the correct department update this information immediately I still have not gotten a response.
10/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	SC 290XX	Web
Your company have not supplied proof under the doctrine of estoppel by silence, XXXX vs XXXX ( Mo ) 281 SW 715, 719 I may presume that no proof of the alleged debt, Nor therefore any such debt, in fact exist/remove
06/12/2015	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	LA 701XX	Web
Prestige Financial Services entered inquiries on to my XXXX and XXXX XXXX credit reports without my authorization and when contacted had no record of me and this was linked to id theft .and not authorized by me.
08/25/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	TX 75056	Web
contacted thru e-mail and thru text. title of the email and text was- repossion of your XXXX. They ran a payment thru unauthorized after i was e-mailed telling me that the payment that I had set up was deleted.
11/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	PA 15132	Web	Servicemember
The vehicle was repossessed XXXX years ago. On my credit report showing at the balances are increasing, and that I have XXXX years of late payments from the car was already repossessed and sold at auction.
05/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	TX 79924	Web
These hard inquires on my credit report do not belong to me. its inaccurate information and its being reported on my credit. PRESTIGE FINANCIAL ( finance ) XXXX XXXX XXXX ( finance ) XXXX XXXX ( auto )
06/27/2018	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	IL 60419	Web
Prestige Financial out of XXXX XXXX XXXX Utah sold my car after I did a voluntary repo. They are now trying to sue me for over {$16000.00}, reported on my credit and that car is not even worth XXXX.
04/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	DC XXXXX	Web	Servicemember
Prestige Financial continues to add interest to a loan that they charged off for profit and loss. By doing so they are updating the account monthly in an effort to cause my credit score to be low.
08/30/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TN 372XX	Web
Inquiries made on report from companies that I am not aware of and its impacting my credit profile. I need these inquiries removed as I have filed and Identify Theft report with Identitytheft.gov
07/05/2018	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	AR 71603	Web	Servicemember
I can not get my refund check from prestige financial out of XXXX XXXX XXXX Utah. Every time I call them I get a different story. The loan has been paid off and the check has cleared the bank.
12/11/2017	Yes	Debt collection Auto debt	Communication tactics Frequent or repeated calls	OH 43110	Web
They attempted to reach me by phone and I notified them that I no longer have a source of income due to an unpaid medical leave. They repeatedly called and sent in profane language emails.
05/17/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	AZ 85224	Web
I did not authorize this prestige financial to pull my credit report. I have never heard of this company yet my report shows inquiries on XX/XX/XXXX and again on XX/XX/XXXX XX/XX/XXXX
05/23/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	PA 193XX	Web
Prestige Financial Svc. continues to furnish information on the credit reports. The vehicle was involved in Natural Disaster and GAP insurance covered the remainder of the balance.
06/07/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	AL 352XX	Web
Every month the credit bureau is alerting me of a bad debt that is owed on my behalf that is not a validated debt of mine. That keeps going up. They are calling every other day.
05/26/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	MO 630XX	Web
Collected 2 payments when only authorized to withdrawal one. Credited one payment back & now stating that last payment was on XXXX/XXXX/16 when in fact it was made XXXX/XXXX/16.
06/29/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	UT 84128	Web
Prestige was included in my bankruptcy # XXXX and discharged in 2017. Prestige is currently updating and reporting every month. This is a violation of the Bankruptcy Law Act.
09/08/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	MD 21061	Web
Prestige financial approved me for a car loan only to discriminate against me and deny me three days later. Thats a clear violation of equal credit opportunity and FTC.
08/19/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 949XX	Web
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.
07/18/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	TX 78724	Web
Prestige sound like another vehicle was purchased under my name.Without my permission or consent.Do n't have a clue of who would forge my name like this so many times.
02/28/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	WI 532XX	Web
Screen shots attached show that Prestige financial has been reporting late payments to all three credit bureaus. This account has been closed/charged off since 2014.
05/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IL 60411	Web
I checked my credit and there are multiple inquiries on there that I have no clue about I did not give consent to anyone or I did not authorize any of the inquiries
08/29/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	PA 17055	Web
Prestige Financial SVC has placed an unauthorized inquiry on my credit file. Requested written verification, company failed to comply according to FCRA Guidelines.
12/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	PA 19124	Web
Did not authorized or give Prestige Financial Service written consent to obtain my XXXX credit report on XXXX. I did not apply for credit with Prestige Financial.
11/17/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TN 37211	Web
I have receive fraudulent reports via my XXXX report regarding Vehicles I didnt authorize my credit to be pulled or check bringing my credit down numerous points
09/01/2022	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	IL 60031	Web
This account was included in bankruptcy. the amount owed is being posted on my consumer report incorrectly and is causing me to have issues obtaining new credit
02/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	IL 60628	Web
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.
06/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	IL 60411	Web
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i haven't received any investigation results.
03/29/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	IL 60620	Web
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
12/28/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Problem canceling credit monitoring or identify theft protection service	ND 58703	Web
i kept getting bills for these i did n't buy and in XXXX and XXXX and i contacted the company and they told me not to worry but yet put me into collections
10/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IL 60031	Web
This account is still reporting as open and past due. This account was charged off so the company is falsely reporting information on my credit files.
04/26/2017	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	TX 75115	Web
I received an alert that the amount increased on a voluntary repossession that happened in XXXX and has already charged off and the car was sold.
03/15/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX XXXXX	Web
I am trying to close on a home, and I checked my personal credit report on XX/XX/2019 and I noticed many unauthorized hard inquiries had been made.
02/19/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	PA 19134	Web
On XX/XX/ 2017 I never gave permission to that company to check my credit score, And they did Hard inquiries XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
08/23/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	TX 78634	Web
I have filed complaints against Prestige Financial Service in regards of interest rate and vehicle purchase.Please review filed complaint # XXXX
07/01/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 27529	Web
I tried reaching out to the companies but they say they cant or wont fix anything without hearing back from the other party who I dont know.
06/01/2021	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Problem after you declared or threatened to declare bankruptcy	ID 833XX	Web
I could no longer afford any of my bills and had to file for bankruptcy. i need this removed from my account its been 7 years
03/12/2019	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	WA 98033	Web
I am in the process of getting a loan to pay off my truck. Prestige keeps threatening that they will repossess the vehicle?
10/20/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	IN 46226	Web
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.
10/19/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MD 20720	Web
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.
10/18/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IL 60169	Web
I called the company on XX/XX/2020, advising I did not give authorization for my credit to run for any car purchases.
02/21/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MO 63118	Web
I have inquires on my report inwhich I have No knowledge of all these inquires occurred on XX/XX/2017 XX/XX/2017
02/27/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 90016	Web
Per FTC sec 609. credit agencies are not validating my account they are simply verifying my information.
03/09/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MN 55412	Web
Prestige financial garnished my wages and still have me listed as owing them money 2 different amounts
10/31/2018	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 94565	Web	Servicemember
Prestige wants to collect around {$21000.00} and place me on collection and ruin my credit.
01/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	VA 23324	Web
There are Inquiries that are reflecting on my credit report that I have not authorized.
08/07/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	OR 97267	Web
The account is paid off since XX/XX/2004 and should never have been shown on my report.
01/13/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	WI 53225	Web
There is this company listed on my credit report that I do not owe. Please help
07/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19148	Web
XX/XX/2022 i contacted each bank that showed on my report i did not apply for
03/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 44122	Web
I have no relationship with this company and did not authorize this inquiry.
10/21/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	NY 11701	Web
This account was open in 2012 and is still on my credit report.
12/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MS 388XX	Web
Unauthorized inquiries own my report requested own XX/XX/2021
07/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 78148	Web
Pulled a hard inquiry on my credit check without my consent!
12/26/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AL 35244	Web
Prestige accessed my credit report without my authorization.
03/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	TX 77057	Web
Almost all the information on my report don't belong to me
10/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NY 11226	Web
I have no knowledge about those hard inquiry and account
05/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33313	Web
the person that answer the phone didn't wan na help me
12/09/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	SC 299XX	Web
Try too contact credit company to remove inquiry
11/28/2023	Yes	Credit reporting or other personal consumer reports Other personal consumer report	Identity theft protection or other monitoring services Billing dispute for services	MI XXXXX	Web
I have 26 Hard inquiries that Im not aware of
12/30/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IN 46324	Web
Several unathorized inquiries on my report
12/07/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	PA 19143	Web

12/02/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	DE 19711	Web

12/01/2023	Yes	Vehicle loan or lease Loan	Repossession Notice to repossess	MD 21044	Web	Servicemember

11/29/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	MO 64105	Web

11/27/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	AL 36116	Web

11/08/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	PA 19143	Web

11/02/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 77406	Web

11/01/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	LA 71110	Web	Servicemember

11/01/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	IN 46304	Phone

10/29/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Problem canceling credit monitoring or identify theft protection service	MD 21227	Web

10/26/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	TX 77093	Web

10/23/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 21244	Web

10/23/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	TX 77012	Web

10/22/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	TX 77493	Web

10/18/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MD 20723	Web	Servicemember

10/06/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77012	Web

09/28/2023	Yes	Vehicle loan or lease Loan	Repossession Notice to repossess	UT 84790	Web

09/24/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	AZ 85009	Web

09/18/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 23513	Web

09/14/2023	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	IL 60609	Phone

09/10/2023	Yes	Vehicle loan or lease Loan	Repossession Loan balance remaining after the vehicle is repossessed and sold	UT 84005	Web

09/08/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	DE 19805	Web

09/07/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MO 63343	Web

09/05/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30340	Web

09/01/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	MD 21061	Web

08/22/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	IL 60609	Phone

08/21/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	IN 47235	Web

08/10/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	UT 84005	Web

07/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IL 60458	Web

07/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30008	Web

07/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	IL 60653	Web

07/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IL 60653	Web

06/07/2023	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem while selling or giving up the vehicle	KY 42516	Web

06/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	DC 20032	Web

06/01/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	MD 21061	Web	Servicemember

05/23/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	AZ 85378	Web	Servicemember

05/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MD 20706	Web

05/18/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	IL 60609	Phone

05/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IL 60411	Web

05/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MD 21207	Web

05/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 32303	Web

05/01/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	IL 62223	Web

04/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 32303	Web

04/24/2023	Yes	Vehicle loan or lease Lease	Managing the loan or lease Problem with additional products or services purchased with the loan	IL 60619	Phone

04/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	KS 67207	Web

04/12/2023	Yes	Debt collection Auto debt	Communication tactics You told them to stop contacting you, but they keep trying	NC 28803	Web

04/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MO 63146	Web

03/21/2023	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	MO 63114	Web

03/07/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	KS 66201	Web

03/01/2023	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	MD 21061	Web	Servicemember

02/18/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	IL 60653	Web

02/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	DC 20032	Web

02/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30329	Web

02/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	IL 60827	Web

01/27/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	GA 30215	Phone

01/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	DC 20032	Web

01/23/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	MD 20744	Web

01/17/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	GA 30294	Web

01/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 92129	Web

01/08/2023	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	AZ 85339	Web

01/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30096	Web

12/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	DC 20032	Web

12/26/2022	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	TX 76018	Web

12/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IL 60443	Web

12/07/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	GA 30180	Web

12/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 76039	Web

12/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30025	Web

11/21/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60431	Web

11/18/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	GA 30349	Web

11/03/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	GA 30349	Web

11/03/2022	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	KS 66221	Web	Servicemember

10/19/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	TN 37660	Web

10/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30071	Web

08/31/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	OH 43147	Web	Servicemember

08/05/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60527	Web

08/05/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AL 36301	Web

08/03/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	GA 30325	Web

07/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	VA 20155	Web

07/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MI 48377	Phone

07/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MI 48227	Web

06/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NJ 07670	Web

05/31/2022	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	NC 28532	Postal mail

05/23/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 61761	Web

05/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	MD 21632	Web

05/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	DC 20019	Web

05/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MD 21117	Web

05/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IL 60707	Phone

05/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 622XX	Web

04/14/2022	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 77082	Web	Servicemember

04/13/2022	Yes	Debt collection Auto debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	MI 48227	Web

03/29/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 31210	Web

03/24/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	IN 46062	Phone

03/16/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	MI 48377	Phone

01/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60466	Web

01/22/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30096	Web

01/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	PA 19116	Web

01/07/2022	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	OH 43085	Web

12/29/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	IL 60156	Phone	Older American

12/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	OH 43206	Phone	Older American

12/20/2021	Yes	Payday loan, title loan, or personal loan Title loan	Incorrect information on your report Information is missing that should be on the report	MI 48377	Phone

11/24/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 30213	Web

11/17/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30024	Web

11/03/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30024	Web

10/06/2021	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	AL 35124	Web

09/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19018	Web

09/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	IL 60624	Web

08/31/2021	Yes	Debt collection Auto debt	Communication tactics Frequent or repeated calls	DE 19703	Web

08/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MD 20782	Web	Servicemember

07/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	IL 60126	Web

07/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	DE 19709	Web

07/09/2021	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	OH 44125	Web

07/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	WA 98001	Web

06/12/2021	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	WA 98682	Web

06/08/2021	Yes	Debt collection Auto debt	Communication tactics Used obscene, profane, or other abusive language	UT 84128	Web

05/11/2021	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	IN 46902	Web

05/10/2021	Yes	Debt collection Auto debt	False statements or representation Told you not to respond to a lawsuit they filed against you	MD 21061	Web	Servicemember

04/21/2021	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	AZ 85295	Web

04/15/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	WI 53110	Web	Servicemember

04/07/2021	Yes	Vehicle loan or lease Loan	Incorrect information on your report Old information reappears or never goes away	GA 30010	Web	Servicemember

04/05/2021	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	MD 21061	Web	Servicemember

03/31/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	WI 53144	Phone	Servicemember

03/26/2021	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	TX 75013	Web

03/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	PA 19149	Web

03/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 30533	Web

03/05/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	PA 15235	Web

02/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 44250	Web

01/30/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	AL 35232	Web

01/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30548	Web

01/18/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	TX 75104	Web

01/11/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	GA 30302	Web

01/07/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	IL 60617	Web

12/29/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	GA 30302	Web

12/23/2020	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	MD 21239	Web

12/09/2020	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH 44250	Web

11/17/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	OH 44109	Web	Servicemember

11/10/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	IL 60148	Web

11/08/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	NJ 08752	Web

11/06/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	WI 53217	Web

11/05/2020	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days		Phone

10/10/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	WA 98055	Web

10/08/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 32608	Web	Servicemember

09/25/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 75002	Referral

09/22/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AL 35235	Web

09/08/2020	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	GA 30349	Web

08/24/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NE 68130	Web

07/07/2020	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount		Phone

07/06/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	MD 21044	Web

06/22/2020	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	TX 78758	Web

05/04/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30281	Fax

04/27/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32828	Web

04/20/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19082	Web

03/27/2020	Yes	Vehicle loan or lease Lease	Struggling to pay your loan Lender trying to repossess or disable the vehicle	SC 29541	Web

03/25/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	OH 43232	Web

02/22/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	PA 19082	Web

02/10/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	WA 99026	Phone	Older American, Servicemember

01/31/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	CA 95843	Web	Servicemember

01/30/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60628	Web

01/12/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	VA 22968	Web

12/23/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	OR 97267	Web

12/02/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	WA 98087	Web

11/22/2019	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CO 80023	Web	Servicemember

11/20/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30349	Web

11/08/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	MD 20744	Web

11/01/2019	Yes	Debt collection Auto debt	Communication tactics Frequent or repeated calls		Phone

10/12/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	MN 55082	Web

10/01/2019	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	VA 23321	Phone	Servicemember

09/13/2019	No	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	GA 30273	Postal mail

08/19/2019	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	CA 94577	Web

08/02/2019	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	MD 21227	Web

07/25/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30126	Web

07/21/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IL 60629	Web

06/14/2019	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	UT 84404	Web

05/28/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	OH 44714	Web

05/09/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 78640	Web

05/05/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	AZ 85340	Web

04/29/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30349	Web

04/19/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA XXXXX	Web	Servicemember

03/08/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	AZ 85035	Referral

03/06/2019	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	IL 61130	Referral

01/30/2019	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem related to refinancing	MO 65355	Web	Servicemember

01/24/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	KS 67203	Web

12/27/2018	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem while selling or giving up the vehicle	WA 98032	Referral

12/20/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 78640	Web

12/03/2018	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	AZ 85044	Web

11/08/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IL 60429	Web

10/22/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Report provided to employer without your written authorization	MN 551XX	Web	Older American, Servicemember

10/11/2018	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold		Postal mail

09/26/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	OH 45424	Phone

08/22/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60563	Web

08/14/2018	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	CA 95842	Referral

07/31/2018	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	IL 62298	Web

07/26/2018	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Problem extending the lease	VA 23803	Web

07/23/2018	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	GA 30030	Web

07/17/2018	Yes	Vehicle loan or lease Loan	Incorrect information on your report Old information reappears or never goes away	WI 53716	Web

07/05/2018	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	GA 30014	Web

06/25/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	GA 30006	Web

06/18/2018	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	AZ 85207	Web

05/23/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60453	Postal mail

05/16/2018	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	AZ 85120	Web

05/14/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MD 20744	Web

05/11/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	AZ 85020	Web

04/15/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	VA 23831	Web

04/15/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	VA 23831	Web

04/10/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MS 39083	Web

03/22/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 28278	Fax

02/24/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MN 55113	Web

02/14/2018	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	VA 22408	Web

02/05/2018	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing		Phone

02/01/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Report provided to employer without your written authorization	TX 78240	Web

02/01/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IL 60112	Web

01/17/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	UT 84081	Web

01/16/2018	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	UT 84015	Web

01/14/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Report provided to employer without your written authorization	LA 70441	Web

01/08/2018	Yes	Payday loan, title loan, or personal loan Personal line of credit	Improper use of your report Credit inquiries on your report that you don't recognize	TX 76549	Web

12/26/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	UT 84005	Web

12/26/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	UT 84005	Web

12/22/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	VA 22304	Web

12/14/2017	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	CO 80907	Web

11/29/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 75104	Web

11/21/2017	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	WA 98168	Referral

11/03/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 78130	Phone

11/02/2017	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	OH 44805	Fax

10/24/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	UT 84005	Web

10/23/2017	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	VA 23229	Web

10/12/2017	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	GA 30296	Web

09/19/2017	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	GA 30344	Web

09/14/2017	Yes	Vehicle loan or lease Loan	Incorrect information on your report Old information reappears or never goes away	MD 20646	Web

08/30/2017	Yes	Debt collection Auto debt	Communication tactics You told them to stop contacting you, but they keep trying	AZ 85041	Web

08/21/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	UT 84005	Web

08/01/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	UT 84005	Web

07/31/2017	Yes	Vehicle loan or lease Loan	Incorrect information on your report Information is missing that should be on the report	IN 46160	Phone

07/25/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30038	Web

07/18/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	UT 84005	Web

07/12/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	OH 43612	Web

07/07/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	WI 53546	Web

06/26/2017	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem related to refinancing	IN 46160	Phone

06/14/2017	No	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	KY 42633	Phone

06/08/2017	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	WI 54302	Web

05/26/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	AL 35160	Web

05/10/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 75210	Web

05/08/2017	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	IN 46613	Phone

05/06/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 77072	Web

05/02/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MI 48198	Web

04/26/2017	Yes	Debt collection Auto debt	Communication tactics Frequent or repeated calls	NJ 08030	Web

04/19/2017	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	WA 98272	Web

04/18/2017	Yes	Debt collection Auto	Communication tactics Frequent or repeated calls	MO 63032	Referral

04/11/2017	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	VA 23321	Phone	Servicemember

04/07/2017	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	TX 77901	Phone

04/07/2017	Yes	Credit reporting	Credit reporting company's investigation Inadequate help over the phone	TN 37115	Web	Servicemember

03/27/2017	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	VA 22407	Web	Servicemember

03/04/2017	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	IL 60653	Web

02/14/2017	Yes	Debt collection Auto	Improper contact or sharing of info Talked to a third party about my debt	IL 62298	Web

01/28/2017	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	TX 75115	Web

01/26/2017	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	VA 22305	Web

01/25/2017	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	IN 46160	Phone

01/24/2017	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	IN 47885	Web

01/21/2017	Yes	Debt collection Auto	Communication tactics Frequent or repeated calls	GA 30349	Web

01/18/2017	Yes	Consumer Loan Personal line of credit	Shopping for a line of credit	WA 98122	Referral

01/14/2017	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	IL 61341	Web	Servicemember

01/09/2017	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	VA 23669	Web

12/18/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	AL 36542	Web

12/09/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	ID 83709	Web

11/15/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	TX 75287	Web

10/18/2016	Yes	Debt collection Auto	Communication tactics Frequent or repeated calls	MO 64083	Web

09/22/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	IN 46160	Phone

09/02/2016	Yes	Debt collection Auto	Cont'd attempts collect debt not owed Debt is not mine	TN 37022	Web

08/19/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	VA 22134	Phone

08/16/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	TX 78634	Web

07/28/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	AZ 85303	Web

07/21/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	AZ 85143	Web

06/14/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	CO 80233	Web

06/07/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	AZ 85392	Web

05/03/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	AZ 85143	Referral

03/14/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	IL 62401	Phone

02/04/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	AZ 85015	Web

02/02/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	AZ 85138	Referral

01/22/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	GA 30344	Web

12/31/2015	Yes	Debt collection Auto	Communication tactics Frequent or repeated calls	TX 75063	Web

12/22/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	AZ 85340	Web

12/16/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	TX 76120	Web

11/17/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	AZ 85283	Postal mail

10/22/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	CO 80470	Web

09/10/2015	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	GA 30122	Web

08/19/2015	Yes	Consumer Loan Vehicle loan	Shopping for a loan or lease	SD 57555	Web

08/17/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	GA 30286	Phone	Older American

07/07/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	GA 30052	Web	Servicemember

07/01/2015	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	KY 41005	Web

05/21/2015	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	CO 80602	Referral

04/29/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	CO 81101	Web

04/15/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	OH 45320	Phone

03/18/2015	Yes	Debt collection Auto	Communication tactics Frequent or repeated calls	TN 38116	Web

03/18/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	AZ 85225	Web

03/13/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	TX 77489	Web	Older American

03/09/2015	Yes	Consumer Loan Vehicle lease	Problems when you are unable to pay	FL 32118	Web

03/08/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	AL 36092	Web

02/27/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	CO 80107	Web

02/18/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	AL 35023	Web	Older American

02/14/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	OH 44011	Web

02/07/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	GA 30363	Web

01/31/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	AL 35023	Web	Older American

01/29/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	OH 44118	Web

01/27/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	AZ 85339	Web	Servicemember

01/27/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	KY 40391	Web

01/13/2015	Yes	Consumer Loan Vehicle lease	Problems when you are unable to pay	TX 75052	Web

01/02/2015	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	CO 80016	Web

12/17/2014	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	GA 30134	Web

12/05/2014	Yes	Debt collection Auto	Communication tactics Frequent or repeated calls	IL 60506	Web

12/01/2014	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	AL 35216	Web

10/29/2014	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	KY 41074	Web

10/28/2014	Yes	Credit reporting	Incorrect information on credit report Account status	MO 64060	Web

10/20/2014	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	IL 60153	Web

10/08/2014	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	TX 76110	Web

09/22/2014	Yes	Debt collection Auto	Communication tactics Frequent or repeated calls	MS 29212	Web

09/18/2014	Yes	Debt collection Auto	Improper contact or sharing of info Talked to a third party about my debt	AZ 85048	Web

09/12/2014	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	MD 20912	Web

09/05/2014	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	CO 80919	Web

08/23/2014	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	AL 36093	Web

08/22/2014	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	AZ 85211	Web

08/20/2014	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	OH 44118	Web

08/16/2014	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	TX 75034	Web

08/16/2014	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	NM 87109	Web

08/14/2014	Yes	Consumer Loan Installment loan	Managing the loan or lease	GA 30144	Web

07/18/2014	Yes	Consumer Loan Installment loan	Managing the loan or lease	MD 20782	Web

07/16/2014	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	UT 80474	Web

07/14/2014	Yes	Debt collection Auto	Taking/threatening an illegal action Seized/Attempted to seize property	WI 53209	Web

07/03/2014	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	MO 63074	Web

06/28/2014	Yes	Debt collection Auto	Improper contact or sharing of info Talked to a third party about my debt	TX 75134	Web

05/29/2014	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	AL 35216	Web

05/23/2014	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	TX 77407	Web

05/13/2014	Yes	Debt collection Auto	Communication tactics Frequent or repeated calls	IL 60644	Phone

05/10/2014	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	AZ 85201	Web

04/10/2014	Yes	Debt collection Auto	Communication tactics Frequent or repeated calls	OH 44471	Web

03/24/2014	Yes	Debt collection Auto	Cont'd attempts collect debt not owed Debt resulted from identity theft	UT 84005	Web

03/12/2014	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	AZ 85283	Web

02/23/2014	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	IL 60960	Web

02/20/2014	Yes	Debt collection Auto	False statements or representation Impersonated an attorney or official	AZ 85042	Web

02/11/2014	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	TX 75025	Web

01/31/2014	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	GA 30274	Phone

01/31/2014	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	KY 40741	Web

01/28/2014	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	IL 60411	Web

01/24/2014	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	MD 21220	Web

01/20/2014	Yes	Debt collection Auto	False statements or representation Attempted to collect wrong amount	IL 60162	Web

01/14/2014	Yes	Debt collection Auto	False statements or representation Indicated shouldn't respond to lawsuit	MD 20748	Web

01/12/2014	Yes	Credit reporting	Improper use of my credit report Report improperly shared by CRC	OK 73401	Web

01/07/2014	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	VA 22311	Web

12/26/2013	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	TX 77545	Web

12/18/2013	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	NV 89084	Web

12/12/2013	Yes	Debt collection Auto	Improper contact or sharing of info Talked to a third party about my debt	AZ 85201	Web

12/05/2013	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	KS 67213	Web

11/21/2013	Yes	Debt collection Auto	Taking/threatening an illegal action Attempted to/Collected exempt funds	TX 77077	Web

11/12/2013	No	Debt collection Auto	Disclosure verification of debt Not disclosed as an attempt to collect	TX 76021	Web	Servicemember

11/05/2013	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	AZ 85040	Web

11/05/2013	Yes	Debt collection Auto	Disclosure verification of debt Not given enough info to verify debt	GA 30096	Web

10/31/2013	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	CA 92009	Web

10/29/2013	Yes	Debt collection Auto	Communication tactics Frequent or repeated calls	MD 20746	Web

10/23/2013	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	MD 20745	Phone

09/18/2013	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	AZ 85083	Web

09/17/2013	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	TX 76063	Web

09/17/2013	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	NM 87109	Web

09/09/2013	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	WA 98684	Web

09/06/2013	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	VA 22311	Referral

08/17/2013	Yes	Debt collection Auto	Communication tactics Threatened to take legal action	AZ 85007	Web

08/12/2013	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	VA 23836	Phone	Older American, Servicemember

08/09/2013	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	KY 40509	Web

08/07/2013	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	GA 31906	Phone

08/02/2013	Yes	Consumer Loan Installment loan	Managing the loan or lease	WA 98282	Web

04/17/2013	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	MD 20746	Web

04/03/2013	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	CO 80116	Web

03/25/2013	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	CO 80012	Web