Consumer complaint received 2025-11-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Prisma Capital LLC
State: NY

Complaint narrative:
Subject : Reopen or Correct Record False Mutual Resolution by Merchant XXXX XXXX ( Zinch ) Complaint ID XXXX addition of deletion/mutilation of complaint records and obstruction of justice by XXXX and NYAG. 

This an update / follow-up on CFPB complaint no. XXXX, with addition of complaint against NYDFS and NYAG for complaint record destruction/mutilation and obstruction of Justice. Please reopen or correct my XX/XX/XXXX complaint ( ID XXXX ). On XX/XX/XXXX the company stated we reached a mutual resolution on XX/XX/XXXX. CFPB then marked the complaint Closed with explanation. That statement is false. 
Key facts : XX/XX/XXXX : Zinchs counsel froze my business bank account and seized {$2900.00}. 
XX/XX/XXXX : My business shut down. There was no agreement and no consent from me. 
XX/XX/XXXX : The company told CFPB the matter was resolved ; the portal shows Closed with explanation. 
I could not rebut immediately due to total financial collapse and a documented XXXX diagnosis following the levy. 
The dispute continued after XX/XX/XXXX in multiple forums : NYAG referral history, DFPIDFS referral, DFS FOIL and Article 78 proceedings, and a live California appeal. This is not consistent with resolved. 

Oversight status During parallel FOIL ( XX/XX/XXXX ) and Article XXXX ( XX/XX/XXXX ) proceedings, It was discovered that DFS removed/omitted the narrative content of the DFPI-forwarded complaint from its file. 
Via a XX/XX/XXXX FOIL response, the Office of the Inspector General reported that it forwarded my complaint ( XX/XX/XXXX ) alleging DFS deletion/mutilation of complaint records to XXXX DFS offices and received no responses. This concerns record retention and handling tied to this same matter. 
After I filed a Reply ( XX/XX/XXXX ) in the Article 78 matter that documented and cited these record deletions, that Reply went missing from the chambers file of a New York Supreme Court judge, ONLY TO REEMERGE AS A NON CHRONOLOGICAL MISCELLANEOUS FILING, after a well timed Social Media and local campaign.

PLEASE NOTE : CFPB HAS NOT BEEN APPROACHED AS A SUBSTITUTE OF ANY COURT PROCEEDING. It has been approached due to a complete documented failure of state agencies ( DFPI, DFS ) to contain exploitation of the Small Business Industries within their respective states, or even to document the same ( DFS ), despite of active XXXX and agreements with the CFPB, at the time incidents occurred as well as when complaints were initiated. 

THE COMPLAINANT UNDERSTANDS AND WILL UNDERTAKE ALL APPROPRIATE LEGAL ACTIONS. Even in the light of obstruction of justice by New York State Attorney General ( NYAG ) and New York State Department Of Financial Services ( NYDFS ) by coordination to DELETE AND ALTER COMPLAINT RECORDS, complainant is determined to proceed as required legally without any expectation or dependence from any external source, including the CFPB. Complaints sole purpose is to inform and encourage CFPB to act against the breaches on consumer protection in a matter within its jurisdiction. 
Requested action : Given the multi-agency non-responsiveness and record-integrity concerns that have impeded state-level redress, please reopen or annotate the complaint and refer the companys submission to CFPB Supervision/Enforcement and, as appropriate, Federal Agency review.

Attachments Exhibit 1 : FOIL documents showing New York State OIGs five-office forwarding with no responses. 
Exhibit 2 : Full DFPI-801 Complaint Form, released via California Public Records Act ( CPRA ) on XX/XX/XXXX ( XXXX ). 
Exhibit 3 : Truncated/mutilated version of complaint as produced by DFS, on XX/XX/XXXX FOIL appeal ( FOIL XXXX, XX/XX/XXXX ). Second Page of DFPI-801 Complaint form- with the complaint narrative and legal violation details- removed from the case record.

Exhibit 4 : New York State Attorney General ( NYAG ) s XX/XX/XXXX letter initially referring this complaint to CFPB ( File No. XXXX ) DFPI-DFS referral trail and missing complaint.

Exhibit 5 : CFPB portal screenshots showing my submission, the companys - false - mutual resolution language, and Closed with explanation status. 
Exhibit XXXX : Bank levy proof dated XX/XX/XXXX Contrary to Mutual resolution and XXXX reaching out. 
Exhibit 7 : Opposition to DFS/NYAGs Motion to dismiss a related Article 78 petition ( paper filed ) in New York State Supreme Court , XXXX XXXX . It is referenced only for contextual basis. State laws mentioned within, are inapplicable at Federal level. Observe well established 18 U.S.C. 1519 standards. 


Thank you. 

XXXX XXXX

Company response to consumer: Closed with explanation