Consumer complaint received 2025-10-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Larry H. Miller Group of Companies
State: KY

Complaint narrative:
On Mon, XX/XX/XXXXXXXX  at XXXX I contacted my lender of my car loan, I sent the message below, Account Number : XXXX Vehicle : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX Dear Prestige, I am formally disputing the repossession of my vehicle on XX/XX/XXXX. I believe this action was taken improperly and possibly in violation of my rights under state and federal law. 

I request that you provide the following in writing : 1. Proof of all communication made from XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Including communication that was made with the Company used to Repossess the vehicle. 
2. Copy of the written notice ( s ) you claim were sent prior to repossession, as required by law. 
3. Documentation of your legal right to repossess the vehicle, including compliance with state repossession statutes at the time the repossession was made.

4. Statement of account balance at the time of repossession, showing how payments were applied to principal, interest, and fees.

5. Reasoning as to why XXXX XXXX is the account holder, and only person on the account. 
6. Reasoning as to why only XXXX XXXX name is on the title of the vehicle. 
7. Copy of contract agreement that was signed prior to repossession as well as the most current contract.

As of this date I have paid approximately {$11000.00} toward this loan, with only {$3000.00} applied to principal and the majority applied toward interest. This raises serious concerns regarding the fairness of the loan terms. 

Additionally, the repossession occurred while I was XXXXXXXX XXXX XXXX  & the car was not returned to me until I had returned home from the hospital following a cesarean section, leaving me without transportation for myself and my XXXX  child. This has caused significant hardship. 

Unless you can provide proper documentation showing that this repossession was conducted lawfully, I will be pursuing remedies available under state and federal law, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ) and my State Attorney Generals Office, as well as seeking legal representation regarding a potential claim for wrongful repossession and unfair lending practices. 

Please treat this as a formal dispute under the Fair Debt Collection Practices Act ( FDCPA ) and other applicable consumer protection laws. I expect a full written response within 30 days of receipt of this letter. 

Sincerely, XXXX XXXX They didnt respond or acknowledge the message, on XX/XX/XXXX, I responded to the following message by saying, Dear Prestige, On XX/XX/XXXX, I formally disputed the repossession of my vehicle that occurred on XX/XX/XXXX, and requested specific documentation related to this matter. To date, I have not received any of the information I requested. 



As a reminder, I specifically requested : Proof of all communication between XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( including communication with the repossession company ). 

Copies of all written notices you claim were sent prior to repossession. 

Documentation of your legal right to repossess, including compliance with state repossession statutes. 

A full statement of account balance at the time of repossession, showing how payments were applied. 

An explanation as to why XXXX XXXX is the only account holder and the only name on the title. 

Copies of the original contract agreement and the most current contract. 



You are required by law to provide a timely written response to this type of dispute under the Fair Debt Collection Practices Act ( FDCPA ) and other applicable consumer protection laws. Since I have not yet received the requested documents, please consider this a second and urgent request. 



If I do not receive the full documentation within 15 days of this email, I will have no choice but to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney Generals Office, in addition to seeking legal representation for wrongful repossession and unfair lending practices. 



I expect your prompt response. 



Sincerely, XXXX XXXX XXXX also didnt acknowledge this message, then on XX/XX/XXXX they sent me a text message saying Please find a few minutes to respond or call ( XXXX ) XXXX today. We want to continue working with you, but that does require an open line of communication. When do you plan on getting that next payment in? XXXX/ Loss Mitigation XXXX I replied with, You're right, we need an open line of communication. Why have you not returned the documents I requested over a month ago? prestige responded with, we can send a copy of the contract and your statement is available online. XXXX XXXX is not the only account holder. Both you and XXXX are account holders on this account. As far as the other documents you would need to open a claim with the courts. then I responded with, Thank you for confirming that both I and XXXX XXXX are account holders. However, your response did not include the majority of the documents I formally requested under applicable consumer protection laws, including communication records and legal documentation related to the repossession. Please note that I am not simply requesting this information to file a court claim I am disputing the repossession and requesting validation of the debt and repossession process. As such, I again request full documentation, as outlined in my initial and follow-up letters, within 10 days. 
They have not responded yet.

Company response to consumer: Closed with monetary relief