Consumer complaint received 2019-06-29
Company: PRESTIGE FINANCIAL SERVICES INC
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
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.

Company response to consumer: Closed with explanation