Consumer complaint received 2020-05-05
Company: PRESTIGE FINANCIAL SERVICES INC
State: WI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
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

Company response to consumer: Closed with explanation