Consumer complaint received 2024-07-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Larry H. Miller Group of Companies (OH)

Hello so I called into Prestige financials offices on XX/XX/XXXX2024 I spoke with a representative and do not remember their name however explaining to them that I have started a new job as of XX/XX/XXXX of 2024 and that I would be late on my payment due XX/XX/XXXX of 2024. So I set up an arrangement that I would pay my payment XX/XX/XXXX of 2024 based off of information from my new job that I would receive my first paycheck as of XX/XX/XXXX of XXXX024. So unfortunately I found out from my new employer today that I have to work two weeks and a whole week before I receive my first paycheck which will be on XX/XX/XXXX of 2024. So I called into Prestige Financial again today XX/XX/XXXX to explain to the company the circumstances with my new employment and there was a error with the first day that I was to receive a paycheck however that it's now XX/XX/XXXX when I will be paid. I spoke with a representative first around XXXXXXXX XXXX. today and due to a language barrier I could not understand her name but she then transferred me to an account manager around XXXX XXXX. to XXXX XXXX  today and the name that I was given was XXXX. I explained my circumstances again above to XXXX about me having a new job and unfortunately having to wait 2 weeks and a hole for a paycheck in order to pay my payment due for XX/XX/XXXX 2024. He then offered for me to pay a reduced amount of {$200.00} by XX/XX/XXXX 2024 to keep my account from going further delinquent. So I explained to him again that I'm not able to make a payment by that day due to waiting for my first paycheck from my new employer as of XX/XX/XXXX2024 but i can pay on XX/XX/XXXX. He would then state i cant go beyond XX/XX/XXXX and then he began to tell me that since I'm refusing to pay that this account is going to move forward to the vice presidents for the next step which I have no clue of what step he's talking about. I then asked what's the next step are you going to take my vehicle he then did not give a clear and concise answer he said that possibly no or maybe no but it's going to move further and at the end of the month it's going to report to my credit bureau where I stand. I then asked him what do you mean I've never heard for a late payment to be reported if it's less than 30 days late he said he's not a credit reporting agency but they will report that I am past due on my credit report as of XX/XX/XXXX of 2024. Today I am 7 days past due on my payment and my payment is {$500.00} I get a late fee assessed as of I believe XX/XX/XXXX and when I can make my payment I'll be about 24 to 25 days late. However during this call the representative XXXX because that's the only name he will give me continues to say I am refusing to pay because I signed a contract agreeing to pay for my vehicle per month. I am very well aware that I signed a contract for my vehicle and that my payment is due on the XXXX of each month however I did not refuse to pay and that's what the representative continued to say that he was going to note the account. I find it deceptive and unfair to continue to say I'm refusing to pay on my loan for my vehicle when I clearly explained that I would be late on my payment. I again never refused the representative was extremely unprofessional I asked to speak to the vice president because that's what he stated to me that my account will be moved to upper management for the next steps in the delinquency process.