Consumer complaint received 2019-01-13
Company: PRESTIGE FINANCIAL SERVICES INC
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
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.

Company response to consumer: Closed with explanation