Consumer complaint received 2016-09-30
Company: PRESTIGE FINANCIAL SERVICES INC
State: NC
Product: Debt collection
Sub-product: Auto
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I have a car loan through Prestige Financial. I advised that I only wanted contact through email going forward to document all conversations. After correspondence with them via email, if the answer is not to their liking, they will contact my references for no reason. They have left messages and actually spoken with people to have them tell me to call regarding my car loan. This is embarrassing to say the least. I have proof that I had just spoken to them or had given them my answer. On several occasions I have told them what they were doing was illegal and they ca n't do this. I have filed a XXXX complaint against their collections practices before and was assured this would not happen again. This was my complaint filed on XXXX/XXXX/15 : I received a call from the collection 's department at Prestige Financial on XXXX XXXX, 2015. I have never been 30 days late, and I am in touch with my Account Manager via phone. I explained several times earlier this month that the remaining balance will be paid before XXXX XXXX. XXXX a collection 's representative called and was very rude. After speaking to me she told me she will just call my place of employment since I did n't want to talk. I told her she ca n't it was illegal, and she disconnected the call. About 20 minutes later my father called to pass a message. He just received a phone call regarding my carnote and they need to speak with me. I informed my dad that I already had spoken to her and she had no right to call my family. My mother lives in California, and she received the same call from XXXX who left the message on her cell phone. XXXX contacted me at XXXX, my mother received a call at XXXX, and my father approximately XXXX. My father called me right after the call at XXXX, I did explain that XXXX was not practicing FDCPA and she was calling with Malicious intent. I contacted Prestige and they did advise this was not normal practice. It is only done when No contact has been made on an account. This is completely illegal and malicious, I feel this needs to be addressed. XXXX had a motive and it was well received. It was a complete embarrassment, if I was completely unable to pay the car note, I would allow XXXX to pick up the car before allowing them to contact my references. 
Now I communicate strictly through email and I get 3 representatives emailing me with different amounts owed and they are contacting my references again even if they have correspondence with me the same day. I explained to my account manager XXXX that you can only contact them if he has not had contact with me, but XXXX is back at it calling people after I emailed her back and told her not to contact me again this week. She called my friend to leave a message for me, which was completely malicious. She had already had correspondence with me and even after I said not to contact me again this week she emailed me after calling my friend to let her know to tell me to call her regarding my car loan. They called her at least 3 times in the last 3 weeks and that 's unacceptable. They call my parents regarding my car loan and it does n't matter if they speak to me or not. I have the emails that show they had contact with me but they still contact my references. In one email XXXX suggested that I get XXXX to assist me with paying my car note. First of all I do n't know how she even knows XXXX name, but secondly to suggest she pay the car note was completely out of left field. I asked XXXX has she received calls for me and she said yes Prestige called several times. They will not stop and they seem to have NO REGARD for FDCPA. This has been ongoing and it 's really to the point where I would just give the car back. I did speak with a Supervisor in the collection 's department after my friend contacted me about phone call, and she confirmed that this was not their practice and it was wrong.

Company response to consumer: Closed with explanation