Consumer complaint received 2026-05-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: Larry H. Miller Group of Companies
State: NV

Complaint narrative:
On XX/XX/XXXX at approximately XXXXXXXX XXXX I contacted Prestige Financial Services that I could not afford to make payment the monthly payments of {$700.00} an egregious amount to pay on a XXXX XXXX XXXX. The original amount financed was XXXX and Prestige Financial shows amount owed of {$27000.00}. I stated that I couldn't afford the vehicle and was hesitant going into the financial agreement with XXXX XXXX XXXX XXXX XXXX that I could not afford this vehicle. I explained all of this while I was at the dealership on XX/XX/XXXX. I felt pressured and was under duress and emotional stress, being that I had recently filed Bankruptcy and couldn't financially afford any of the vehicles on their car lot. I also explained while I was trying to leave the dealership I was blocked in physically by the ( General Manager ) who coerced, swayed and bullied me into entering a contract I couldn't afford. I mentioned to XXXX XXXX, who handled the financial side of thing 's in contracting that the salesperson, ( XXXX XXXX ) and ( General Manager ) I can't remember his name all took my vulnerable moment and took advantage of me in signing a contract I couldn't afford. I stated that I contacted the dealership several times that I couldn't afford this vehicle. XXXX XXXX kept saying " don't worry, you can always refinance. '' Please note : I have all of this proof from a text message thread with conversations at Prestige Financial Services. They continued to overlook these bad business practices. I contacted Prestige Financial again on XX/XX/XXXX at XXXX XXXX I reached out to XXXX XXXX again. On XX/XX/XXXX at XXXX p.m. XXXX XXXX reached out to me asking " what alternatives am I seeking? '' this message was from Virginia at XXXX. On XX/XX/XXXX at XXXX XXXX again, I expressed concerns regarding the mental, physical and financial burden this vehicle has had on me in this text thread I requested a " voluntary pick up '' On XX/XX/XXXX at XXXX XXXX Prestige Financial responded that they would like to speak with me over the phone regarding my " voluntary pick-up '' On XX/XX/XXXX at XXXXXXXX XXXX XXXXXXXX at Prestige Financial Collections Dept . contacted me in a text thread stating " in reviewing your files, this seems sudden '' and stating that I am wanting to do this because of a bad experience with the dealership '' At this point their questioning my personal decision to relinquish the vehicle, almost reprimanding me as though I'm a child. On XX/XX/XXXX at XXXXXXXX XXXX XXXXXXXX contacted me again in text thread stating that " before picking up the vehicle they would like to discuss additional information with me. '' This was definitely a stalling tactic. On XX/XX/XXXX I spoke with XXXX. She mentioned that a " lien release '' would be a better option for me. XXXX also contacted me again via text thread XX/XX/XXXX at XXXXXXXX XXXX and once again offered a " lien release '' option. Of which I fell for. The way XXXX explained the " lien release '' to me was that the vehicle would be sold depending on the amount their company would accept as a offer and they would make affordable payment arrangements with me. '' Not knowing at the time, that this is what would be called " The Bait and Switch Method '' On XX/XX/XXXX at XXXXXXXX XXXX I contacted XXXX XXXX via text thread to let them know that XXXX had offered {$12000.00}. On XX/XX/XXXX aXXXX XXXX XXXX XXXX contacted me stating that after speaking with her XXXX he stated that " they would need at least 50 % of the total balance of the " lien release '' which would bearound {$14000.00} '' She asked me to reach out to XXXX again to see if they could offer more. '' On XX/XX/XXXX at XXXX a.m. I informed her that I was at XXXX XXXX and they appraised and offered {$15000.00}. After the back and forth in e-mails from XXXX and Prestige Financial XXXX sent me a text message that she had e-mailed over a corrected document to XXXX on XX/XX/XXXX at XXXXXXXX XXXX On XX/XX/XXXX at XXXXXXXX XXXX I informed Prestige Financial had accepted their e-mail document. On XX/XX/XXXX at XXXXXXXX XXXX I contacted Prestige Financial regarding an update from XXXX on receiving their payment. XXXX responded stating that " they're company Prestige Financial had received payment on XX/XX/XXXX and applied towards my account. '' On XXXX XXXX p.m. stating that they had heard back from their XXXX and that paperwork for the " lien release '' had XXXX be signed had been forwarded over to their title dept. '' On XX/XX/XXXX at XXXX a.m. I reached out to Prestige Financial in text thread to get an update from XXXX. On XX/XX/XXXX at XXXX a.m. I received a text message from XXXX at Prestige Financial stating that " XXXX was no longer my account manager. '' and that my account was XXXX days late. '' I was taken back by her saying that because I was under the impression and understanding that I was waiting to hear an update from XXXX and never did. '' I responded to XXXX that I did not understand what she was talking about and " what do you mean XXXX days. '' and that I just had received an updated invoice from Prestige Financial showing an updated balance on my account of {$16000.00}. In this text thread Prestige Financial mentions that " XXXX portion only covers up to XXXX of unpaid installments for XXXX, XXXX, and XXXX 's car payment 's " Also asking me when would l be making my next car payment of {$700.00} or a re-amortize amount of {$470.00} stating that agreed amount following the disclosure agreement. " and asking me do I agree to this amount? '' I then responded in the same text message thread stating that " I " NEVER '', EVER '' was informed of any of this new information and NEVER agreed to any of these amounts mentioned above and reminding this person to please review my account history and why would I agree to make payments of the same amount of {$700.00} on a vehicle that I sold and no longer in possession of. '' Also stating that someone miscommunicated information to me. In the text message thread Prestige states that on XX/XX/XXXX that XXXX had informed me of the balance of {$29000.00} and that XXXX paid them {$13000.00} and that I would be responsible for the car I no longer have. " After the back and forth on what was agreed on and not. On XX/XX/XXXX at XXXXXXXX XXXX I received a test message from XXXX, Assistant VP of Prestige Collections stating that I need to pay the remaining balance. '' On XX/XX/XXXX at XXXXXXXX XXXX I responded to XXXX explaining that this was not the original discussion I had with " XXXX '' in their litigation dept. and that I have " XXXX intentions '' making a monthly car payment on a vehicle I no longer have. '' I also mentioned that when I was originally at XXXX XXXX XXXX XXXX XXXX that they caught me at a vulnerable time and took advantage of me. '' The XXXX XXXX physically blocked me in stating " let 's figure this out, '' I can help you. '' He coerced me under emotional duress and emotional stress into signing and getting into a car that I couldn't afford and yet, they proceed to harass me about this car. Explaining that their business practices continued to act in a manner of coercion and persuasion. '' On XX/XX/XXXX at XXXX XXXX Prestige 's response to my above message stated that " I'm sorry there is some confusion, but base on our notes and records you were told you would be responsible and stating I understood '' and either way payments are expected to start resolving and more interest would be accrued. '' On XX/XX/XXXX at XXXXXXXX XXXX. I responded to XXXX XXXX stating that " yes '' payment arrangements would be made '' but NO SAID AMOUNT '' was agreed upon. '' I stated to them that " I'm constantly repeating myself. '' and I'm Exhausted. '' and Prestige Financial responded the same day stating " Yes, and we continue to let you know you are responsible for making payments of {$470.00} offer or payments of {$700.00}. " Prestige Financial continued to text me letting me know that they lent me $ XXXX for XXXX XXXX XXXX, '' and again repeating that {$16000.00} is owed and will continue to accrue interest " They continued to tell me that " regardless of having the car in my possession or not, '' I'm still responsible '' and recommended that I call in to speak with a manager. '' I responded stating that " That should tell you that I couldn't AFFORD IT, CLEARLY. '' On XX/XX/XXXX at XXXXXXXX XXXX Prestige Financial contacted me again via text message repeating the same thing over and over that " I signed a contract and that I couldn't afford the monthly payments and they worked with XXXX and that I need to start making payments. '' On XX/XX/XXXX XXXX at XXXX a.m. Prestige Financial Services reached out to me again, stating that " XXXX XXXX collections will take over XX/XX/XXXX if the past due balance is not resolved. '' I'm expected to get back on track and expected to pay the past due " immediately '' plus the XXXX payment when it comes due. '' On Tuesday XX/XX/XXXX at XXXXXXXX XXXX stating " my name '' saying " this balance isn't going to go away on it's own. '' " XXXX XXXXXXXX XXXX '' from XX/XX/XXXX will take over if you do not figure out your missed payments this month. '' proceeds to say " Is that how you want things to go, or do you plan on paying what you owe by month end/ '' " Do not delay this any longer, you do not have unlimited amount of time to figure out payment. '' On Wednesday XX/XX/XXXX at XXXXXXXX XXXX My response via text message to Prestige Financial said this : " I have explicitly disputed the validity of this entire debt, due to the original contract being signed under physical duress and coercion at the dealership. '' I am demanding that you cease all text communications immediately. '' Any further legal action XXXX take on XX/XX/XXXX " will be met with a formal legal defense and counter claims for consumer fraud and harassment. '' " XXXX all future communications strictly by mail. '' Thank you. Please Help!

Company response to consumer: Closed with explanation