Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Larry H. Miller Group of Companies
State: AL

Complaint narrative:
NOT A DUPLICATE FILING THIS IS IN DIRECT RESPONSE TO COMPLAINT XXXX XXXX AND RESPONSE RECEIVED DO NOT DELETE!!! Subject : FINAL NOTICE Demand for Deletion / Inaccurate Reporting / Failure to Validate/ Contradictory Account Status / GAP Coverage Failure This is a formal and urgent escalation regarding the account reported by Prestige Financial Services and verified by Equifax. The continued reporting of this account is inaccurate, misleading, and is causing ongoing financial harm, including denial of housing. DEFECTIVE VEHICLE LOSS OF USE NO REMEDY PROVIDED In 2017, I purchased a XXXX vehicle for approximately {$14000.00}. Shortly after purchase, the vehicle became subject to a safety recall rendering it unsafe to operate. I brought the vehicle to the dealership for repair. At that time, I was informed that the vehicle could not be repaired. As a result : The vehicle was unsafe and unusable No repair, replacement, or remedy was provided The vehicle was left with the dealership I did not voluntarily surrender a functioning vehicle. I relinquished possession of a defective and unsafe vehicle that could not be repaired or operated. I was forced to obtain alternative transportation, creating financial hardship. FAILURE OF CONSIDERATION & UNRESOLVED VEHICLE DISPOSITION Despite no longer having possession of the vehicle, Prestige Financial Services continues to report a balance of $ XXXX exceeding the original loan amount. To date, no documentation has been provided explaining what was done with the vehicle. Specifically, the following critical information is missing : Current title status of the vehicle Whether the vehicle was transferred, retained, or sold Any resale or auction records Any application of proceeds or credits to the balance Any deficiency balance calculation It is improper and misleading to hold a consumer responsible for the full contract balance while also retaining possession or control of the collateral without providing a full accounting. This raises serious concerns of unjust enrichment and inaccurate balance reporting. GAP COVERAGE FAILURE At the time of purchase, I paid for Guaranteed Asset Protection ( GAP ) coverage. Despite the vehicle becoming unusable and being left with the dealership, no XXXX claim was processed and no explanation has been provided as to why this coverage was not applied. The reported balance does not reflect any reduction, evaluation, or application of XXXX benefits. I request full documentation of : The GAP policy and terms Whether a claim was initiated, processed, or denied The reason GAP coverage was not applied to this account Failure to address GAP coverage further supports that the reported balance is inaccurate and incomplete. CONTRADICTORY ACCOUNT STATUS INABILITY TO LOCATE VS. ACTIVE REPORTING Prestige Financial Services has stated that my account could not be located when I contacted them directly. However, despite claiming the account can not be found : Prestige Financial Services mailed me a copy of the contract and billing history The account continues to be reported to credit bureaus Collection activity has continued These facts are contradictory and can not all be true simultaneously. If the account can not be located within your system, it can not be : Verified as accurate Lawfully reported to consumer reporting agencies Subject to ongoing collection activity This inconsistency raises serious concerns regarding the reliability of your records and the validity of any verification provided. DEFICIENT VERIFICATION FCRA VIOLATIONS In response to my dispute, only a contract and billing history were provided. This does not constitute a reasonable investigation under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). The following required documentation remains unprovided : Method of verification Complete itemized balance Documentation supporting the reported balance Documentation of the vehicles disposition Any credits applied to the account Without this information, the account can not be considered verified or accurate under 15 U.S.C. 1681e ( b ). ONGOING DAMAGES This account is actively preventing me from obtaining housing and is causing ongoing financial harm. The urgency of this matter can not be overstated. DEMAND FOR IMMEDIATE ACTION Due to the failure to provide accurate reporting and complete documentation, I demand the following : Immediate deletion of this account from all credit reporting agencies Immediate cessation of all collection activity Written confirmation that this account is closed and deemed uncollectible ALTERNATIVELY, PROVIDE FULL AND COMPLETE VALIDATION : Signed contract Complete payment history Itemized balance breakdown Method of verification Full documentation of the vehicles disposition ( including title transfer, resale, or retention ) Proof of any credits or proceeds applied Full GAP policy documentation and claim status Failure to resolve this matter will result in immediate escalation, including : Additional complaints to the Consumer Financial Protection Bureau ( CFPB ) Complaints to the Federal Trade Commission ( FTC ) Complaint to the State Attorney General Civil action seeking damages for violations of the Fair Credit Reporting Act and Fair Debt Collection Practices Act, including willful noncompliance This constitutes formal notice of ongoing damages and potential liability.

Company response to consumer: Closed with explanation