Consumer complaint received 2025-08-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Larry H. Miller Group of Companies
State: FL

Complaint narrative:
I am filing this formal and urgent complaint against Prestige Financial for : Withholding my original loan agreement Refusing to provide written disclosures about proposed changes Dodging accountability through delay tactics Potential violations of federal consumer protection laws, including the Truth in Lending Act, UDAAP, and FCRA Creating barriers to communication, knowing I am off-site and without phone access Misleading statements about contract changes and interest, with no documentation to support them They have made it impossible to make an informed financial decisionwhile continuing to report and enforce the debt on my credit report. BACKGROUND SUMMARY : On multiple occasions, I asked Prestige Financialvia documented email communicationfor : 1. A copy of my original signed loan contract 2. A written explanation of how changing my due date from
the 18th to the 25th would impact : Interest charges Loan term ( currently 72 months ) Final payoff amount and date Any permanent contract amendments They responded vaguely, stating the change would increase the term and cause interest to accrue, but they refused to say how much, refused to define the impact, and refused to send any supporting documentation.

Despite knowing I am working remotely without phone access, they refused to accommodate me by email with proper written responses. This has now escalated into what appears to be an attempt to force changes without consent and trap me in unclear loan terms.

LEGAL GROUNDS FOR INVESTIGATION : Prestige Financial may be violating several federal laws and consumer protections, including : Truth in Lending Act ( TILA 15 U.S.C. 16011666j ) : Requires creditors to disclose, in writing, any changes to the terms of a loan that affect the total cost, APR, interest, or repayment structure. 
Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) : Failing to provide transparency Withholding legal documentation Using ambiguity to pressure financial decisions Ignoring accessibility needs Fair Credit Reporting Act ( FCRA ) if : They report altered loan terms or delinquencies based on undisclosed or unagreed-upon changes Electronic Signatures in Global and National Commerce Act ( E-SIGN ) They can not apply digital or implied consent without giving access to the full contractual terms This complaint is not just against the company. I am also putting the CFPB on notice that : Simply forwarding this complaint to the company is not sufficient, as Prestige Financial has already ignored repeated, documented requests for transparency and violated federal lending laws.

As a citizen relying on the CFPB to uphold fair lending practices, I expect full investigation, a formal review of all communications, and real regulatory pressure applied.

CFPB has a duty not just to forward complaints, but to investigate patterns of abuse. If CFPB continues to act only as a pass-through, it becomes complicit in the exploitation of consumers who rely on this bureau for protection.

I expect this complaint to trigger a full review of Prestige Financials : Contract modification practices Written disclosure compliance Accessibility of consumer records Possible violations across other consumer accounts

Company response to consumer: Closed with explanation