Larry H. Miller Group of Companies

I recently made a payment of {$590.00} on XX/XX/XXXX prestige financial for them to put my repossession on hold. They confirmed over text the following daythat they will not repossess the car and put it on hold a few days later they repossessed the vehicle the following day I called them and they didnt apologize or admit that this was an error on their part. I lost two days of work and had to pay an XXXX of {$67.00} to pick up my vehicle. They released my car with no charge however they told me that I had a specific date that I could make a payment and I told him that I would make it this weekend. They came the following week and repossessed again and didnt honor the agreement

On Mon, XX/XX/XXXXXXXX at XXXX I contacted my lender of my car loan, I sent the message below, Account Number : XXXX Vehicle : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX Dear Prestige, I am formally disputing the repossession of my vehicle on XX/XX/XXXX. I believe this action was taken improperly and possibly in violation of my rights under state and federal law. I request that you provide the following in writing : 1. Proof of all communication made from XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Including communication that was made with the Company used to Repossess the vehicle. 2. Copy of the written notice ( s ) you claim were sent prior to repossession, as required by law. 3. Documentation of your legal right to repossess the vehicle, including compliance with state repossession statutes at the time the repossession was made. 4. Statement of account balance at the time of repossession, showing how payments were applied to principal, interest, and fees. 5.…

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I have an auto loan with Prestige Finance. I currently have paid the principal amount in full. I have accrued late fees on the account which are all that remain. The Finance copy keeps emails me asking for full payments as if i owe a full month 's car payment, they are also listing it on the website when I log in that I am past due 60 days and stating they will report to my credit. They can not report late fees again to my credit and since the principal amount it satisfied for my loan how can they charge me a full month payment? I have been told this is illegal and I desperately need clarification. I have attached a picture of the principal balance and a portion that shows I am paying fees only. Thank you, XXXX XXXX

Prestige contacted me via text and phone during my work hours. Being that I work in a collection call center. I advised them that all communication needs to be done after XXXX. I have received about 10 text messages and a handful of phone calls since I told them this. I just got a warning at my job for my phone going off today with them contacting me. I asked for the legal department information and he said it was an accident.

I am submitting this complaint regarding inaccurate credit reporting, improper deficiency balance claims, and wage garnishment related to an automobile loan serviced by Prestige Financial Services. The vehicle associated with this account was voluntarily surrendered pursuant to a written agreement, not repossessed. Despite this, Prestige Financial Services has reported the account to consumer reporting agencies as a repossession, which is inaccurate and misleading. Under Section 623 of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), furnishers of information are required to report information that is complete and accurate. Reporting a voluntary surrender as a repossession misrepresents the nature of the account and damages my credit profile. In addition, Prestige Financial Services has pursued and obtained wage garnishment for an alleged deficiency balance.…

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My car was totaled back in XXXX of XXXX. I had full coverage but no gap. I later learned that my car wasn't paid in full and that I owed upwards of {$4000.00} from Prestige not from my insurance company. Long story short, after a few phone calls we established the balance and over the years they've garnished my paycheck here and there. The judge term began on XX/XX/XXXX with a starting balance of {$3700.00} per the account statement emailed to me by Prestige Financial. I'll attach the statement below but they've called when there was a lapse in my employment of set up payments to which I would ask about them update the balance on my credit report and I could never get a direct answer until about XXXX months ago. I was told over the phone that they will not update my current balance on my credit report to reflect what I've paid via garnishments.…

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Complaint Against : Prestige Financial Group Name : XXXX XXXX XXXX Address : XXXXXX/XX/XXXX, XXXX XXXX, AZ XXXX Email : XXXX Phone : ( XXXX ) XXXX Complaint Narrative : My name is XXXX XXXX XXXX, and I am filing this complaint regarding inaccurate credit reporting and account servicing issues related to my auto loan with Prestige Financial XXXX ( Account Number : XXXX ). I have identified that my account is being reported with late payments that I believe are inaccurate, incomplete, or not supported by verifiable documentation. I have submitted a formal dispute directly to the company requesting a reasonable investigation and supporting records.…

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I am submitting this complaint regarding multiple debt collection agencies that appear to be engaged in a pattern of unlawful debt collection activity and credit reporting violations, in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I formally disputed the alleged debts listed above and requested validation pursuant to 15 U.S.C. 1692g of the FDCPA. Under federal law, once a consumer disputes a debt, a debt collector must cease collection activity until proper validation has been provided. Despite receiving my dispute, these companies have failed to provide legally sufficient documentation demonstrating that I have any contractual or legal obligation for the alleged debts.…

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PRESTIGE FINANCIAL is falsely reporting on my credit. I have never had any accounts with them. Per my research PRESTIGE FINANCIAL is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under XXXX XXXX XXXX - Disclosure of investigation consumer report ; you are in violation.

This predator XXXXr insists on reporting FRAUDULENT accounts information and outdated information as well. This company has been paid as agreed. Im asking kindly of this company XXXX XXXX to please STOP THE PROFILE HERRASSMENT IMMEDIATELY. I also ask that that CFPB and all data furnishers pay close attention, INVESTIGATE and be careful WITH PRESTIGE FINANCIAL AND THEIR XXXX XXXX MOTIVES FOR ALGORITHMS.

My car was taken by Prestige Financial because I have no valid drivers license which they finance the car for me with no driver license only requiring that I kept full coverage insurance on it which was in the contract that I signed they came and took the car said they was holding it until I get my license back and they still expect payments from me and they also calls and harass me about it

Timeline & Key Facts : XX/XX/XXXX : I submitted a hardship request due to severe financial hardship, including documented circumstances affecting my ability to make payments. XX/XX/XXXX XX/XX/XXXX : I have repeatedly requested written confirmation of the hardship review, including the outcome, the department/person responsible for reviewing it, and reasoning for any denial. Despite my requests, Prestige has : Sent vague, unsigned denials stating That is not an option at this time Continued sending collections-style emails demanding payment Requested card information without finalizing or clarifying the hardship review Attempts to resolve : I sent multiple emails requesting the hardship review status and formal documentation of any denial. These were ignored or answered only with vague, unsigned responses. Impact : These repeated communications and lack of clarity are causing significant stress.…

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To Whom It May Concern, I am writing to formally dispute a hard inquiry that appears on my credit report associated with your company. I did not authorize this hard inquiry, nor did I provide written or verbal consent for my credit to be accessed for lending or review purposes. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, a company may only obtain a consumer report for a permissible purpose and with proper authorization. If you are unable to provide documentation proving that I granted permission for this hard inquiry, its presence on my credit report is inaccurate and unlawful. Additionally, under 15 U.S.C. 1681a and 1681e ( b ), credit reporting agencies and furnishers are required to ensure maximum possible accuracy of the information reported. An unauthorized hard inquiry does not meet this standard. I am requesting that this hard inquiry be removed immediately from all consumer reporting agencies to which it has been reported.…

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I am submitting this complaint regarding an auto loan assigned to Prestige Financial Services after purchase. I purchased a used vehicle in Indiana from XXXX XXXX XXXX XXXX in XXXX Indiana and later titled and registered the vehicle in Illinois. The loan carries an extremely high APR of 24.24 % and includes costly add-on products that were financed into the loan, including a {$2000.00} service contract and a {$790.00} GAP waiver. These add-ons significantly increased the amount financed and total cost of the loan. I do not believe these products were clearly explained as optional or that I was informed I could obtain GAP coverage elsewhere at a lower cost. As a result of these add-ons and interest, I am paying nearly double the value of the vehicle over the life of the loan. The total amount financed was {$18000.00}, while the total payments exceed {$34000.00}. I have recently experienced financial hardship and contacted the lender for assistance.…

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I am submitting this complaint regarding Prestige Financial Services failure to substantiate and document a disputed auto loan account. I requested documentation necessary to substantiate the validity, amount, ownership, and enforceability of the alleged obligation. Prestige produced only a copy of the Retail Installment Sales Contract and a transaction-level payment history. On XX/XX/year>, I issued a written Three-Day Cure Notice identifying specific outstanding deficiencies, including proof of Truth in Lending Act disclosure delivery at consummation, documentation evidencing funding of the transaction, documentation establishing Prestiges ownership or servicing authority, and any assignment or chain-of-title records. Prestige did not cure these deficiencies within the cure period.…

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Whom It May Concern, I am writing to formally dispute inaccurate information being reported by Prestige Financial on my credit report. The account reflects late payments that I believe are incorrect and do not accurately represent my payment history. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that is incomplete, inaccurate, or unverifiable. I am requesting that you investigate this matter and verify the accuracy of the late payments being reported on my credit file. Please provide documentation that supports the reporting of these late payments, including : A complete payment history Copies of billing statements Proof of any missed or late payments Any contractual agreement that authorizes this reporting If Prestige Financial can not provide proper verification, I request that the inaccurate late payment information be removed or corrected immediately. I have enclosed copies of any relevant documents to support my position.…

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I am an auto loan customer in Mississippi. I scheduled my XXXX payment on time through the lenders online portal for XX/XX/XXXX & XX/XX/XXXX. Due to normal ACH processing, the payment drafted on XX/XX/XXXX and XX/XX/XXXX. Despite having a payment arrangement in place and despite repeated requests to stop contact, the lender continued to text, call, and email me implying nonpayment. I have revoked consent to be contacted electronically. This conduct is harassing, misleading, and constitutes improper servicing during a pending payment period

PRESTIGE FNL is falsely reporting on my credit. I have never had any accounts with them. Per my research PRESTIGE FNL is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

I am submitting this complaint regarding XXXX XXXX XXXX and the associated lender Prestige Financial, concerning the purchase and financing of a motor vehicle. On or about XX/XX/XXXX, I purchased a vehicle from XXXX XXXX XXXX. a XXXX XXXX XXXX XXXX The dealership environment was highly concerning and unprofessional. The facility appeared unsafe, ( bullet hole marks through their glass and building ) And throughout the day staff behavior raised red flags. I was not properly informed of the contract terms, financing details, or important obligations before the sale. I felt pressured into purchasing a vehicle I did not want, as the dealership insisted it was my only option. I was required to remain at the dealership for an entire day due to staff losing the vehicle key. During this time, I overheard employees joking and laughing about a prior customer who complained that the dealership had caused them financial ruin.…

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I had XXXX on XX/XX/year> and was off work for a month recovering. During my leave, I was supposed to receive 67 % of my paycheck, but that did not happen. The doctors office delayed submitting my paperwork, which caused my payments to be held up. When I finally received a payment two weeks later, it was only half of what I was supposed to receive. By that time, I was already struggling financially, behind on my bills, and my bank account was in the negative. I contacted my car loan company to explain the situation, but they told me I no longer qualified for any assistance because I missed my XXXX payment. I had already informed Prestige Loan about what happened, yet the representative I spoke with today repeatedly brought up the missed payment and implied that I simply failed to pay. I would have had the funds if the delay with my leave payments had not occurred. Now they are demanding an amount that I can not afford.…

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Company still reporting to equifax as not more than three payments past due as of XX/XX/year> although company representative states all information is correct. I was a victim of predatory lending by Prestige Financial Services. Their loan terms were unfair and the reporting on my credit is inaccurate. Under the Fair Credit Reporting Act, - 15 U.S.C. 1681 requires all credit reporting to be fair, accurate, and verified. - XXXX make credit bureaus and furnishers liable for reporting false or unverifiable information. Im requesting an immediate reinvestigation and deletion of this account if it can not be fully verified with original documentation. This dispute is made in good faith under my rights granted by the FCRA. Please provide confirmation and the results of your reinvestigation.

XXXXMy loan is through Prestige financial and they have harassed me almost daily over a late payment I have talked to them explaining I only get paid every two weeks I always make my payment in XXXX I forgot to finish my payment of XXXX dollars now mind u I have had this car 1 1/2 year only 1 payment 30 days late. They started calling my family and my work. They call me and my wife both after I got the call at work my boss talked to me and said being a retail store those calls are not allowed the next day they called again and I decided I'm tired of being harassed so I asked them to come get the car I'm done with the harassment it's been a month and they still calling have not picked up the car. Now I call it harassment because it's not just about a late payment they have also called me 5 days before the payment to set up the next payment they always calling just about everyday"

XXXX XXXX has been reporting an inaccurate auto loan balance to the credit bureaus for multiple months despite its own internal records reflecting the correct balance. According to XXXX XXXX customer portal and statements, my correct loan balance as of XX/XX/year> is {$17000.00}, and a payment of {$690.00} was successfully received and applied on that date. However, Experian and TransUnion continue to report an inflated balance of {$19000.00}, which is approximately {$2000.00} higher than the accurate balance. I disputed this inaccurate balance with the credit bureaus, and those disputes were completed. Despite having actual knowledge of the correct balance through its internal records, XXXX XXXX failed to update or correct the information it furnished to the credit bureaus. I contacted XXXX XXXX multiple times by email to request correction of the inaccurate reporting and received no response. The inaccurate balance has continued to be reported for several months.…

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I am submitting this complaint to request assistance with an issue involving Prestige Financial Services and their reporting of an alleged debt on my credit report. Prestige Financial Services reported an account to the credit bureaus without providing adequate validation or clear documentation demonstrating the accuracy of the debt. I attempted to obtain clarification and verification of this account, but I did not receive information sufficient to confirm that the balance, ownership, or reporting of the account was accurate and complete. As a result, I have been unable to meaningfully resolve or dispute this matter. The continued reporting of this account has caused significant emotional distress. I have experienced ongoing anxiety, stress, and mental strain due to concerns about my financial standing and creditworthiness.…

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My husband and I have been making payments to Prestige for our car loan. We were all caught up until XXXX. My husband set up a payment arrangement for XXXX because he thought that would be best. Prestige made the arrangement with my husband however began trying to collect the funds on XX/XX/year> 6 different times. This caused our account to become negative so when the XXXX came, they said we did not uphold our end of the agreement. They then began sending text messages and I have specifically told them NOT to call me during XXXX and XXXX since I am at work. I have copies of text messages where they refuse to communicate with me anymore and solely want to speak with XXXX. We told them we would pay on 1/2 both past due amounts and we would pay XXXX on the XXXX. We expressed that setting up an arrangement is not in our best interest as they have not kept their end of the bargain. We just want them to stop harassing us and allow us to pay our debt in peace.

PRESTIGE FINANCIAL SVC is falsely reporting on my credit. I have never had any accounts with them. Per my research PRESTIGE FINANCIAL SVC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

I am writing to formally dispute one or more hard inquiries that appear on my consumer credit report. This dispute is submitted pursuant to my rights under the Fair Credit Reporting Act 15 USC 1681. Under the Fair Credit Reporting Act Section 604 a consumer reporting agency may only report a credit inquiry if it was made with a permissible purpose. Permissible purposes include a transaction initiated by the consumer or written authorization provided by the consumer. I did not authorize this inquiry nor did I initiate any transaction that would allow permissible access to my consumer report. Additionally under Fair Credit Reporting Act Section 611 you are required to conduct a reasonable investigation into disputed information and remove any information that can not be verified as accurate complete and authorized. At this time I am requesting that you investigate this hard inquiry and provide documentation showing my written authorization or other proof of permissible purpose.…

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I am submitting this complaint regarding multiple unauthorized hard inquiries and inaccurate reporting on my credit report. Unauthorized Hard Inquiries During car shopping, multiple dealerships and lenders pulled my credit excessively. I only authorized XXXX credit pull per dealership, yet my credit report shows multiple hard inquiries from the following companies : XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Prestige Financial XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXenders multiple pulls Insurance Hard Pulls XXXX XXXX XXXX XXXX XXXX XXXX ) These inquiries were done without my consent, or they exceed the number I authorized. Inaccurate Reporting Some accounts on my credit report are inaccurate, including : Duplicate accounts

I am submitting this complaint as an escalation and continuation of CFPB Complaint # XXXX because the companys response was incomplete, misleading, and did not address the key legal issues raised. I dispute the legality of the repossession, the handling of the account, and the accuracy of the information the company has reported and provided. On the date of the repossession, I had not received any legally required Maryland pre-repossession notices. Prestige Financial later stated that notices were sent but the only documents I received were dated after the repossession occurred. Under Maryland Commercial Law 12-1021, 12-1029 and UCC 9-611, lenders must send written Right-to-Cure notice and an Intent to Repossess notice before taking the vehicle. This did not occur.…

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AFFADAVIT OF TRUTH IF THIS AFFADAVIT IS NOT REBUTTED POINT BY POINT THIS AFFADAVIT STANDS AS TRUTH IN COMMERCE XXXX. ) PRESTIGE FINANCIAL SERVICES , INC I NEVER HAD A CREDIT TRANSACTION WITH THIS COMPANY. XXXX. ) THIS IS FALSE, DECEPTIVE AND MISREPRESENTATION OF THE ORIGINAL CREDITOR AND THE OBLIGOR. XXXX. ) USE OR DISTRIBUTE ANY WRITTEN COMMUNICATION THAT SIMULATES OR THAT THE DEBT COLLECTOR FALSELY REPRESENTS TO BE A DOCUMENT AUTHORIZED, ISSUED, OR APPROVED BY ANY COURT, OFFICIAL, OR AGENCY OF THE UNITED STATES OR ANY STATE, OR THAT CREATES A FALSE IMPRESSION ABOUT ITS SOURCE, AUTHORIZATION, OR APPROVAL. XXXX. ) COMMUNICATION OR THREATEN TO COMMUNICATE TO ANY PERSON CREDIT INFORMATION THAT THE DEBT COLLECTOR KNOWS OR SHOULD KNOW IS FALSE, INCLUDING THE FAILURE TO COMMUNICATE THAT THE DISPUTED DEBT IS DISPUTED. XXXX. ) USE ANY BUSINESS, COMPANY, OR ORGANIZATION NAME OTHER THAN TRUE NAME OF THE DEBT COLLECTOR 'S BUSINESS, COMPANY, OR ORGANIZATION.…

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They repossessed my vehicle without first providing me with a required Notice of Default or Right to Cure, violating my state 's consumer protection laws. After repossession, I was never given a Notice of Sale or a Deficiency Balance Notice, which are required under UCC 9-611 and 9-614. This failure deprived me of my right to redeem the vehicle or understand the amount allegedly owed. The account is also being reported to the credit bureaus inaccurately and without proper documentation, violating the Fair Credit are required under UCC 9-611 and 9-614. This failure deprived me of my right to redeem the vehicle or understand the amount allegedly owed. The account is also being reported to the credit bureaus inaccurately and without proper documentation, violating the Fair Credit Reporting Act ( 15 U.S. Code 1681s-2 ). I am demanding a full investigation and the immediate removal of this account from all credit reports due to these violations and failure to follow lawful procedures.

XXXX XXXX is reporting inaccurate information on my credit report. The account they are reporting was opened around XX/XX/year> while I was still in an active Chapter XXXX bankruptcy. My Chapter XXXX was not XXXX until XX/XX/year>. XXXX did not have court approval to extend post-petition credit during the bankruptcy process. Despite this, they are reporting dates, balances, and payment information that are not accurate. I disputed this with the credit bureaus and XXXX verified the incorrect information without providing documentation. This is a violation of the FCRA because the information being furnished is inaccurate and the investigation they performed was inadequate. I am requesting CFPB assistance to make XXXX XXXX either fully correct the reporting with proper documentation or delete the account since the current information is inaccurate and misleading.

XXXX XXXX is reporting inaccurate information on my credit report. The account they are reporting was opened around XX/XX/2023 while I was still in an active XXXX XXXX bankruptcy. My XXXX XXXX was not XXXX until XX/XX/2023. XXXX did not have court approval to extend post-petition credit during the bankruptcy process. Despite this, they are reporting dates, balances, and payment information that are not accurate. I disputed this with the credit bureaus and XXXX verified the incorrect information without providing documentation. This is a violation of the FCRA because the information being furnished is inaccurate and the investigation they performed was inadequate. I am requesting CFPB assistance to make XXXX XXXX either fully correct the reporting with proper documentation or delete the account since the current information is inaccurate and misleading.

My vehicle was repossessed by Prestige Financial without proper notice, even though I had active automatic biweekly payments set up. I did not receive any legally required pre-repossession or post-repossession notices within 5 days. I was never told the vehicle was at risk, and my payments were accepted but applied only to interest, not principal, which made me appear more behind than I actually was. In XXXX and XXXX, I contacted the company multiple times to request payment arrangements and more time. I sent emails explaining that my payments were being rejected by my bank and that I needed until a specific date to resolve it. Prestige did not respond to these communications and later claimed they could not contact me due to a cease and desist, which I never submitted or authorized. This prevented me from receiving notices or any warning before the repossession. After the repossession, the company refused to tell me where my vehicle was located.…

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