Consumer complaint received 2022-03-16
Company: PRESTIGE FINANCIAL SERVICES INC
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
The Ohio Revised Code - Consumer Sales Practices Act ( XXXX ) ORC 1345.01 Protects consumers from unfair, deceptive, or unconscionable acts or practices in connection with the purchase or solicitation for a purchase that would be used for the home or personal use. It also prohibits sellers from taking advantage of a consumers illiteracy, mental or physical disability, or inability to understand the terms of a sale. The Holder Rule, 16 CFR part 433, protects consumers who enter credit contracts with a seller of good or services by preserving their right to assert claims and defenses against any holder of the contract, even if the original seller subsequently assigns the contract to a third-party creditor or assignee. Under the Truth in Lending Act 15 U.S.C 1601-1667j ( full disclosure ), I have the right to know of whom the true party of interest in this transaction. Ive sent three affidavits to the CEO XXXX XXXX of Prestige Financial, ( XXXX thru XXXX ) requesting Documentary Evidence disclosing as to where this loan originated. Copies of the communication were attached to a previous complaint no. XXXX. All of which remain unrebutted. Pursuant U.C.C. -ARTICLE 3-3-501 ( b ) 2 ( 1 ), I am entitled presentation of the negotiable instrument. That demand is hereby ordered. My demand to inspection is also made in accordance with Federal Rule 34 of Civil Procedure. I request this inspection to occur in the state of Ohio city of XXXX, where the transaction took place. Please contact me ( in writing ) to arrange. 
Attached to this complaint is the most recent correspondence received from Prestige Prestige Financial Services, titled " NOTICE OF OUR PLAN TO SELL PROPERTY ''. 
In response I request in writing : 1. Detailed calculation of the amount of your claim, with verification that Prestige Financial Services is the Holder in Due Course. Verification defined : confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition all of which require sworn statements. 
2. Provide the opportunity to inspect the true and certified copy ( not photocopy ) of the Original Note ( Credit Agreement ). 
3. Cease and Desist in instigating actions such as selling the vehicle, until reasonable and prudent diligence is put forth to verify the amount claimed owed is in fact a legitimate debt under penalty of perjury and with unlimited liability confirming that this Note has never been sold in a pooling and servicing agreement. This also known as Securitization. As opposition to doing so would unlawfully deprive of property without due process. 
4. Confirm the name and address of all persons, corporations, association, or any other parties having an interest in legal proceedings regarding the alleged obligation. As well as the individual who is the duly authorized representative from your company, that has carried out due diligence under The Money Laundering Regulations XXXX. 
I request all communications in writing. Please note any written communication must be in accordance with 28 U.S.C. 1746, as I will not accept any future correspondence that is not. 
This is the last good faith attempt before I am forced to litigate. I am willing to resolve this matter privately and civilly as to avoid burdening our courts.

Company response to consumer: Closed with explanation