Consumer complaint received 2023-12-06
Company: PRESTIGE FINANCIAL SERVICES INC
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
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.

Company response to consumer: Closed with explanation