Consumer complaint received 2026-01-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Larry H. Miller Group of Companies
State: FL

Complaint narrative:
I am submitting this complaint regarding XXXX XXXX XXXX and the associated lender Prestige Financial, concerning the purchase and financing of a motor vehicle. 

On or about XX/XX/XXXX, I purchased a vehicle from XXXX XXXX XXXX. 
a XXXX XXXX XXXX XXXX The dealership environment was highly concerning and unprofessional. The facility appeared unsafe, ( bullet hole marks through their glass and building ) And throughout the day staff behavior raised red flags. I was not properly informed of the contract terms, financing details, or important obligations before the sale. I felt pressured into purchasing a vehicle I did not want, as the dealership insisted it was my only option. 

I was required to remain at the dealership for an entire day due to staff losing the vehicle key. During this time, I overheard employees joking and laughing about a prior customer who complained that the dealership had caused them financial ruin. This further caused concern about the legitimacy of their practices. 

The vehicle was delivered in poor condition. A spark plug bolt was missing ( which I later repaired at my own expense ), and the front bumper was partially detached. I informed the dealership of these issues. 

Shortly after the sale, I attempted to contact XXXX XXXX XXXX multiple times for clarification and assistance, but communication was extremely poor and unresponsive. Eventually, the dealership went out of business. Upon researching the company online, I found numerous negative reviews describing similar experiences. 

Despite making payments initially, the loan balance never appeared to decrease and remained approximately {$17000.00}, causing significant financial strain. I am now solely dealing with Prestige Financial, the lender. 

Recently, the vehicle was involved in an accident and deemed to have no remaining value. Prestige Financial informed me verbally that they did not want to repossess the vehicle and that I was free to do whatever I wanted with it. 

Due to my landlord notifying me the vehicle would be towed, I attempted to have it removed by a junkyard. However, the junkyard was unable to take the vehicle because Prestige Financial placed a lien block and refused to release the title. When I contacted Prestige Financial requesting a lien release so the vehicle could be removed, they refused, stating I still owed on the loan. 

This directly contradicts their prior statements that I was free to do whatever I wanted with the vehicle. A representative again verbally stated I could do what I wanted with it, yet acknowledged that the lien would not be released, effectively preventing me from disposing of the vehicle. This has placed me in an impossible situation. 

Throughout these interactions, representatives have been rude and dismissive. I believe I was placed into a high-interest loan through deceptive sales practices, and I am now trapped in a cycle where I am financially responsible for a vehicle that has no value and can not be legally removed due to the lenders actions. 

I believe this conduct constitutes unfair, deceptive, and abusive acts or practices, including misrepresentation, lack of disclosure, and contradictory statements regarding my legal rights over the vehicle. 

I am requesting the following resolution : A formal investigation into XXXX XXXX XXXX and Prestige Financial Written clarification of my rights regarding the vehicle Removal or release of the lien so the vehicle can be lawfully disposed of Review and correction of the loan balance and servicing practices Consideration of financial relief due to deceptive and unfair practices I am attaching any supporting documentation available. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation