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I purchased a 2012 Toyota campy se may 2012. There was an accident where the vehicle was totaled on June 29, 2014.

I paid my first payment that was do in June 2014 just before my accident. On July 8, 2014 prestige sent a letter that states my payoff is $26,540.04. If I'm not mistaken the intial amount financed for the vehicle was $26,540.04 I paid my june pymt around june 23, 2014 My insurance sent prestige a check the last week of August 2014 for $21,426.97 and the gap insurance paid $4,259.01 September 2014. The gap claim was completed September 3, 2014, gap received the payoff quote dated august 27, 2014 for $26,120.98.

Also stating my insurance paid $21,426.97 . I received a letter dated September 17, 2014 from gap confirming they paid. Prestige contacted me not to inform me the gap was in process but to harass me and threaten me. I contacted the gap and found out they paid there amount but that the balance prestige is giving me after the insurance and gap paid doesn't match the payoff amount prestige gave gap and it was valid 10 days the python was received within the 10 days.

Prestige has sent me text messages of my balance due for $1254. I received a new text on October 4 my balance was $1254 on my payment due date I've also received text messages that I'm dud for $598. Mary Kirby at prestige stated to me on october 7, 2014 she was not discussing my account and that I owed for July Aug Sept and October. I informed mary that prestige cannot add any additional payments every month to my account when they have received $25,685.98 of the payoff amount $26,540.04.

When I stated that I could not make a payment at the end of august mary Kirby got upset at me told me since your refusing I know you work for santander and your aware this will charge off. I have not received any letters from prestige that they have received the payments from the insurance company nor gap. The balance after $25,685.98 should have been $854.06 not $1254. But based on the payoff prestige gave my gap insurance of $26,120.98 on August 27, 2014 subtracting the insurance payment of $21,426.97 the balance should have been $435.

Granted I do work for Santander I also know that anything outside of the principal/interedt cannot just be kept it has to be applied to the balance.

I don't understand why prestige is doing this or if they just want more money but when they will explain things to me and get upset there's an issue. What can I do since they are non cooperative on explaining what they have done?

Reason of review: Giving false payoff amounts to make my balance owed more.

Preferred solution: Calculate my first payment from my inital balance and then the balance after my payment made subtracting my insurance check then my gap insurance for my balance and having any additionals or charges removed do to prestiges error..

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