Monterey Financial Services LLC

2019-12-07

Clarksville, TN

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-11-28

Primm Springs, TN

Problem with the payoff process at the end of the loan

Payday loan, title loan, or personal loan: Installment loan

Company Response: Closed with explanation

Timely Response

2019-11-24

Philadelphia, PA

False statements or representation

Debt collection: Medical debt

Attempted to collect wrong amount
Complaint: I, XXXX XXXX XXXX XX/XX/XXXX, am writing a letter of complaint. I got a loan in the amount of XXXX USD in XX/XX/XXXX. I paid amount of approximately XXXX USD a month every month until XX/XX/XXXX. I reached out to creditor in the time of my financial hardship and they unwilling to work with me. They call me so much that this has caused alot of stress on me, so much that my health is declining. I shouldn't owe no more than 2,000 USD. The is a predatory lender & loan. I paid OVER 3 years at $ XXXX which means I paid over $ 10k for a medical debt. I had a financial hardship due to a loss of income and additional medical issues. I reached out to the lender BEFORE the loan was late. They were unwilling to work with me. I only borrowed {$5300.00} and NOW they're reporting to the credit bureaus that I owe almost {$12000.00}. This has caused me to NOT be able to secure new housing or employment. This is unfair & inaccurate reporting. They are claiming VERY excessive fees, late charges and interest which is just untrue. Reporting a medical debt like this is both a FCRA and HIPPA violation. They call nonstop which has caused additional emotional stress which is unfair when I've already paid them well over the amount borrowed. I'm attaching my credit report from XXXX that shows I paid this loan ON TIME with NO late payments for YEARS and the balance owing at that time was ONLY {$5700.00} in XX/XX/XXXX with NO default. Here is the company info : MONTEREY FINL SVCS # XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX ( XXXX ) XXXX Date Opened : XX/XX/XXXX I appreciate your help. XXXX XXXX ( XXXX ) XXXX XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-11-20

San Marcos, CA

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Complaint: This is my third attempt to have them remove the inaccurate information listed with the credit bureaus. I am still disputing this based on the law they used a stall tactic the first time and failed to meet the 30 day requirement to send me physical verification. A violation. That was grounds for them to remove info. I asked for info on how/why they are charging 12 % and reminded them they didn't send verification the first time. They answered again. The contract they sent showed clearly that 10 % is the correct amount. They have failed to follow the law. They failed the original request to validate within 30 days, They have the wrong amount showing, which is a violation and grounds to remove it. How is this possible under FDCPA. The FCRA requires you to verify the validity within 30 days. You didn't you are obligated by law to remove your inaccurate derogotory information. You also stated you are charging me 12 % wrong interest rate another reason you are obligated to remove it. You leave me no choice but to sue you for actual damages and declaratory relief under the FCRA. This regulation states I may sue you in a qualified state or federal court including small claims court in my area. I look for a swift and amicable resolution. They are falsely stating they are following the law.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-11-18

Annapolis, MD

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Their investigation did not fix an error on your report
Company Response: Closed with explanation

Timely Response

2019-11-18

San Marcos, CA

Took or threatened to take negative or legal action

Debt collection: I do not know

Threatened or suggested your credit would be damaged
Complaint: The original contract with XXXX XXXX XXXX XXXX XXXX XXXX is listed on my credit report allready. The account Monterey Collection services shows in collection is a duplicate account of XXXX XXXX XXXX XXXX XXXX XXXX. This is my second request written request to have them remove the duplicate.The amount shown does not match the original amount, they have negatively reported on my credit report. I asked for physical verification plus they remove duplicate their duplicate account. They have never sentThis appears to be a stall tactic which has hurt my ability to obtain credit. Also I'd like them to send me physical verification where the 12 % interest they are charging me I agreed to. They threatened me and you can see it by the tone in their response to you. They have NOT provided me with a physical copy of any original documentation required under Section 609 ( a ) I demand under FCRA that the unverified duplicate account be removed. If Monterey collection is representing the original. Section 611 ( 5 ) ( A ) of FCRA -your are required to " ... promptly DELETE all information which can not be physically verified.The Law is very clear. Once they remove the information they can reach me at XXXX or mail XXXX XXXX XXXX XXXX XXXX CA XXXX or XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-11-15

Orlando, FL

Attempts to collect debt not owed

Debt collection: Auto debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2019-11-15

Attempts to collect debt not owed

Debt collection: Federal student loan debt

Debt was paid
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-11-11

Jacksonville, FL

Charged fees or interest you didn't expect

Payday loan, title loan, or personal loan: Installment loan

Company Response: Closed with explanation

Timely Response

2019-11-07

Discovery Bay, CA

Written notification about debt

Debt collection: I do not know

Didn't receive notice of right to dispute
Complaint: I discovered an account on my credit from Monterey Collections. I thought is was odd because I have lived at my current residence for 7 years and have had the same phone number for the same amount of time- I was never notified about the debt. That said, I reached to them a few times in writing and finally received a response back from XXXX XXXX ( a representative of the company ). She advised me that I needed to dispute the validity of the debt within 30 days ... .. and since I had not done that- they did not need to validate the debt- they would move forward with their collection efforts. However, they would report the account as disputed on my credit report. I don't understand how I was offered the opportunity pursuant to the FCRA to dispute the debt if it were mine if I never received a collection notice?
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-10-29

Hinkley, CA

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account information incorrect
Complaint: Items being charged for have been returned no additional fees or money owed
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-10-29

Sanford, NC

Attempts to collect debt not owed

Debt collection: I do not know

Debt was paid
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-10-28

Hinkley, CA

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: I don't recall opening a loan for either XXXX XXXX XXXX or Monterey Lending. I believe it was fraudulently opened when I lost my wallet.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-10-20

Chevrolet, KY

Problem when making payments

Payday loan, title loan, or personal loan: Installment loan

Company Response: Closed with explanation

Timely Response

2019-10-15

Key Biscayne, FL

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: -My wife and I signed a contract with XXXX XXXX XXXX XXXX XXXX XXXX timeshare in XXXX . - The contract was subject to misrepresentation, and fraud. We had already paid {$3300.00} US dollars, which represents a 40 % of the entire amount, and never received any services, because they couldn't provide what we were promised at the time of the signing. - When we tried to cancel the contract, XXXX XXXX XXXX didn't answer. - Now, this foreign Company that doesn't comply with XXXX contract standards, is using a US Company, Monterey Collections, to collect money for services they didn't provide. This is what happened : On XX/XX/XXXX, we signed a timeshare contract with XXXX XXXX XXXX XXXX XXXX XXXX. At the presentation, we were five adults and two small children. The first thing they asked was if we were American Citizens, because the opportunity they were offering was only for the US market. We were there from the morning to the end of the afternoon, they offered alcohol to the adults and games to the children, and they promised several benefits, until we all agreed in the terms of the contract. The main selling point was that we could adjust 7 nights in a single room, to 5 nights in a double room, to accommodate the whole family. For that, we only had to use what they called " preferred points '', that were available in low season, without additional payment. All 5 adults made emphasis in this, because our main driver was for the whole family to share vacation together. Like I said, this was the biggest selling point. On XX/XX/XXXX, we called to make a reservation, just to find out, that there was a {$450.00} fee for using the " preferred points ''. Such fees were never mentioned by the sellers, and they are not written in the contract. After several calls, one of the agents told us that the contract is governed by the Book a Rules.This book was given to us after the contract was signed, with other brochures and timeshare information. After several calls, they wouldn't provide us what they had promised the day of the signing. So, on XX/XX/XXXX we emailed XXXX XXXX XXXX, expressing our intention to cancel the contract, they didn't respond. We sent the same cancellation letter through certified mail, and it was returned to us, unopened. We continued receiving emails and calls from a company named XXXX XXXX , XXXX, based in USA, in charge of collecting payments, but when we asked them about the contract and cancellation intention, they just said they are a third party, and that we have to contact XXXX XXXX XXXX directly. XXXX XXXX, XXXX has several complaints in XXXX for the same problem with XXXX XXXX XXXX 's fraudulent contract. On XX/XX/XXXX, we received a pdf document in our personal email, and have been receiving collection calls, and voice-messages in our personal cellphones during working hours, from Monterey Financial Services, trying to collect the debt to XXXX XXXX XXXX XXXX XXXX XXXX. What steps can we take to protect our good standing credit records, and dispute this fraudulent debt from a foreign Company, accused by several American consumers of having misleading and dishonest contracts?
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-10-14

NC

Attempts to collect debt not owed

Debt collection: Other debt

Debt was already discharged in bankruptcy and is no longer owed
Complaint: They are reporting this on my credit report damaging it, Knowing that I do not owe this!!!!! It was discharged in bankruptcy
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-10-06

Five Points, NC

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: I sent the first debt validation letter requesting for Validation not Verification to this collection agency on XX/XX/2019, they responded on XX/XX/2019 by stating that they don't have to have a license to collect debt in North Carolina and also Monterey collections said that I had 30 days from the date I was notified by them but I never received any letters from this company. Then I sent them a second debt validation letter on XX/XX/2019. In this letter I stated : I have previously sent you a request to validate my debt under the Fair Debt Collection Practices Act and all I received was an itemized list of the alleged charges you claim I owe you. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation. They responded on XX/XX/2019, by stating the same thing they stated in the first letter, but this time they said they want respond to any more letters that I send to them in the future.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-10-05

Cheyenne, WY

Attempts to collect debt not owed

Debt collection: Auto debt

Debt was already discharged in bankruptcy and is no longer owed
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-10-04

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-10-01

Bellaire, TX

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: On XX/XX/2018 I placed an order for a make up product with XXXX XXXX advertised on TV. I called the following day XX/XX/2018 and cancelled the order. I was advised the order was being processed. I never received the product. Nonetheless, the following month in XXXX XXXX XXXX attempted to charge my card and it was disputed with my credit card explaining the order service was cancelled. XXXX XXXX continue to bill my card for months after requesting service to be cancelled. Now they are trying to collect {$200.00} after I cancelled the service and never received their product. They have transferred the account to Monterey Collections. I had block the merchant because they continued to bill my card after I had requested the service to be cancelled. Even after disputing the charges and advising XXXX XXXX to cancel service they continued to try charging my credit card. According to their advertising I can cancel service at anytime. I have explained the situation to Monterey collections and they have not investigated this matter. I have done everything in good faith to resolve this matter and seek assistance since I do not owe the amount in question. Finally XXXX XXXX is indicating a balance for {$140.00} and the collection agency is trying to collect {$200.00} in addition to the charges made to my credit card. I would imagine this is done too thousand of other people. I do not owe either amount. I have attached the charges made and disputed with my credit card, product order, and collection agency notice. Thank you
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-09-27

Grand Prairie, TX

Problems at the end of the loan or lease

Vehicle loan or lease: Lease

Problem when attempting to purchase vehicle at the end of the lease
Company Response: Closed with explanation

Timely Response

2019-09-25

Columbus, OH

Threatened to contact someone or share information improperly

Debt collection: I do not know

Contacted you after you asked them to stop
Complaint: On XX/XX/XXXX I received a call from XXXX XXXX about a debt for someone that I don't know. Around XX/XX/XXXX I went to their website and requested to be removed since I am not the debtor. After I made this request, I got calls on XX/XX/XXXX, XX/XX/XXXX ( twice ) and XX/XX/XXXX. After the call on the XX/XX/XXXX I called and spoke with someone about being removed, at which point he admitted I was not in their system and that I should receive any more calls from them. Since then I have gotten calls on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-09-20

Billerica, MA

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Complaint: More than 2 years ago went ahead and bought a {$900.00} dog from a local shop. They had me sign up for a {$4000.00} XXXX loan for the dog. Due to financial hardship and having XXXX children I missed two payments. My account was sent to collections. I had a lack on understanding of credit and collections. The collectors called at odd hours and dozens of times per day. Leaving voicemails saying it will affect my credit.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-09-19

Clark, TX

Getting a loan

Student loan: Private student loan

Fraudulent loan
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-09-17

Arco, CA

Took or threatened to take negative or legal action

Debt collection: I do not know

Threatened or suggested your credit would be damaged
Complaint: Monterey Collection Service representing XXXX XXXX XXXX has repetitively sent correspondence demanding payment for an unknown debts. When I requested by law that they send me identifying documents to show that I owe this debt such as ID, Social Security Number, and/or contract bearing my signature, they have not done so. Their claim is Hearsay according to law. In the midst of this, they are ruining my quality of life because they have put this item on my credit : XX/XX/2018 amt {$3400.00}
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response