Monterey Financial Services LLC

2017-04-08

Greensboro, NC

Communication tactics

Debt collection: Credit card

Threatened to take legal action
Complaint: departmentReceived phone call from representative with Monterey Financial on XX/XX/XXXX. The rep was very rude, threatening, demeaning, said I would be sued for payment, very loud, and insensitive. My daughter and grandson heard him. I did not get his name a he stated it very rapidly and did not clarify again. My husband wanted the tub before he passed in XX/XX/XXXX. His passing was unexpected due to XXXX. I suffer from XXXX and had taken care of him for years on XXXX. I order the tub anyway. At the time I ordered, I called the several times within the grace period stating that I did not want it because it was too noisy, dissatisfaction, and not according to my expectations. Presented information to operator on XX/XX/XXXX. She sent call to another department. No response. Called again and XXXX sent call to customer liaison, no response.. Spoke with XXXX customer liaision, with no success in canceling the order. Asked for supervisor and was directed to XXXX. No resolution. XXXX and XXXX stated someone would come out and check the noise and non-working air jets. I followed steps to get tub returned but was referred without any action taken. I was receiving XXXX dollars per month from my spouse to help with monthly bills. That money ceased after his death. I had unsurmountable debt from his hospital bills, other household debt, car payment, mortgage, utilities, credit card debt, that all fell behind. I tried to work out with this company and fell behind with payments. XXXX on a XXXX caused me to go XXXX in XX/XX/XXXX. I became so XXXX that I did not want to handle my bills that had fallen behind. I was grieving from my husband 's death and representatives from this company were always rude. I am trying to rectify my credit situation which will take time with my income as only source. I did not appreciate how the rep spoke to me. I am XXXX years old. I have nothing of substance that I could sell and get money to pay. I had set up payments and did not know they had returned. I did not check bank accounts. Too XXXX knowing that I owe debt and can not manage to get it paid. Started working a job at XXXX so that I can try to manage and get debt paid off. I tried to file bankruptcy but it would not leave me enough to buy XXXX that I must take daily to keep XXXX. Contacted a debt repair agency but discovered their fees and % would cost me more that I was paying. No one should speak to me in the manner this man did. His scare tactics did not work. I owe and want to pay but will not allow anyone to harass me. Whatever resolution can be made is appreciative.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2017-04-05

Valley Glen, CA

Disclosure verification of debt

Debt collection: Other (i.e. phone, health club, etc.)

Not given enough info to verify debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2017-04-05

Kosciusko, MS

Disclosure verification of debt

Debt collection: Payday loan

Not given enough info to verify debt
Complaint: I sent a letter of debt verification to Monterey Collections, XXXX, CA XXXX in XX/XX/2017. They sent me a letter stating that they will not send me verification of this debt.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2017-03-21

Valley Glen, CA

Disclosure verification of debt

Debt collection: Other (i.e. phone, health club, etc.)

Not given enough info to verify debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2017-03-20

Easley, SC

Disclosure verification of debt

Debt collection: Other (i.e. phone, health club, etc.)

Right to dispute notice not received
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2017-03-17

Reynolds, IN

Dealing with my lender or servicer

Student loan: Non-federal student loan

Don't agree with fees charged
Complaint: A company calling themselves XXXX that works with a larger company called XXXX XXXX misrepresented the terms of a loan consolidation agreement they were offering. I was only told of an additional fee for their services they would charge but was never informed of an additional loan being taken out under my name nor a new account and password through the FSA. They illegally created an FSA account and opened a loan through XXXX without any prior consent from myself. FSA immediately informed me that I should be concerned because it is illegal for someone to create an FSA account under another person 's name. When XXXX first contacted me I immediately expressed my concerns about moving forward and he told me to look his company up and that his company was called The Obama Student Loan Forgiveness Program and that they were associated with XXXX. According to the FSA that is a common name used to scam individuals. After hearing this information I contacted the Department of Education as well as XXXX who both confirmed that it was in fact illegal to create an FSA account and loan without my knowledge and direct consent. When I reached out to XXXX they told me it was very common for scam companies to use their name and once again confirmed it was not legal for a company to create an FSA account/loan using my name without direct consent. I contacted both the XXXX XXXX XXXX XXXX and XXXX with complaints and requested to have it terminated but was denied.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2017-03-15

Albuquerque, NM

Application, originator, mortgage broker

Mortgage: Other mortgage

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

Disputed: Yes Timely Response

2017-03-10

Valley Glen, CA

Disclosure verification of debt

Debt collection: Medical

Not given enough info to verify debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2017-03-09

Jax, MS

Disclosure verification of debt

Debt collection: Other (i.e. phone, health club, etc.)

Not given enough info to verify debt
Complaint: I got a tub installed with XXXX sent numerous request emails, calls and faxes, begging them to come back and fix the pipe that is directly connected to the main line of the sewerage where sewerage bugs are continuing to come up from the tub. They gave me a discount on the tub due to the hot water heater was never installed as promised, but would never come back and complete the work I requested which was to fix the raw sewerage line where sewerage flies continue to come up from the drainage. I have emailed called, faxed and sent certified letters they advised that they would come and as of today 's date after waiting over a year no one has showed up and as of today 's date I have never received a response to my letters and faxes. I was then told that my account was in house so as soon as the work with the tub was completed I would pay XXXX as of today 's date after more than 50 calls, emailing their office and faxing them no one has showed up to fix anything. The tub does not have hot water and is not functional. It is a XXXX galloon water system that does not have the hot water installed also the flies are extremely disgusting. I am being billed for the amount of {$24.00}, XXXX for a tub that paperwork shows {$20000.00} billed one thing and paperwork says another. I can not pay for a tub that does not work. I am still waiting for them to fix it. I have asked them several times to fix the tub. They would act like someone will show up and then no one ever does. When I do call their company I keep either getting transferred or no one picks up it is extremely hard to get this company to repair their product or send anyone from their company to show up.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2017-03-08

Newnan, GA

Disclosure verification of debt

Debt collection: Credit card

Not given enough info to verify debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2017-03-02

Rncho Domingz, CA

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt resulted from identity theft
Complaint: I was a victim of identity theft in XXXX and recently in XXXX through XXXX. I was notified by IRS XX/XX/XXXX that I had been a victim of Identity theft which I was advised to check my credit report as well. When I checked my credit report I found two accounts that I did not recognize. They were XXXX and Monterey Collections. Once I found this I contacted the credit reporting bureau to place a fraud alert and to dispute those items. I submitted police report, IRS affidavit as well as ID social security card and an insurance document to verify my identity. I sent it to XXXX and XXXX Credit Reporting Bureaus and I also sent it to XXXX and Monterey Collections. After that I recieved a letter from Monterey Collections stating that they legally did not have to verify any information with me because of a 30 day clause. So, I did contact them and let them know that I just became aware of the situation that I have forwarded all documents to prove that this information was not mine. I also told them that another company was also reporting this information on behalf of XXXX. After that there was no other correspondence with either of the two companies. XXXX sent me a contract where they had my name and my husband 's name. So XXXX asked did I know who could have done this, I told them that I was not aware and I have not heard back from them either. But what they have done, they have sent to XXXX and XXXX that those account have been verified. However, those accounts that they are saying that are verified are not mine and they are only one account that is being reported as two. I then submitted a letter to both XXXX and Monterey on XX/XX/XXXX, since they said that they would not verify the account with me. In my letter I requested validation of the accounts pursuant to 15 USC 1692G Section 809B of the FDCPA. I also included in this letter that until the items that I have requested have been validated that they are not to continue to keep reporting to the bureaus and that they have 30 days from XX/XX/XXXX to provide documents of which they have not done. Also XXXX claims that these items are no longer appearing on my credit report which is false information. They are still reporting as a Open/late account and Monterey Collections is reporting as Open/Collection. I spoke with XXXX with Monterey Collections on today, XX/XX/XXXX who stated that she received my letter requested for Validation and Cease and Desist of any collection activity and reporting and they have continued to do report false information without providing requested documentation or verifying the documentation I provided to both companies. Therefore I am emclosing those same documents submitted to XXXX and Monterey Collections to your office regarding this complaint.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2017-02-24

Dixie Inn, LA

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

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

Disputed: No Timely Response

2017-02-20

Ft Lauderdale, FL

Disclosure verification of debt

Debt collection: Other (i.e. phone, health club, etc.)

Right to dispute notice not received
Complaint: went to a XXXX presentation found out was a scam tried to cancel with in the 30 day period XXXX office disconnected there phone and doors were closed we tried multiple times to get Monterey financial to cancel but keep telling me to get a letter from a company that left for good we did write letters and it was returned we told Monterey all this and there are still threating us to pay for this scam that they refuse to cancel
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2017-02-18

San Diego, CA

Incorrect information on credit report

Credit reporting:

Account status
Complaint: Monterey financial services was the loan company that the loan for my wife 's ring was financed through when i purchased my wife 's ring on XXXX/XXXX/2011, they are refusing to take responsibility and i am in touch with an attorney to take proper legal steps to sue Monterey Financial services if they do n't want to fix the problem they have created. my wife 's ring cost {$5000.00} with interest and loan charges i paid Monterey Financial Services about {$7200.00} in total and i have bank statements to take to court if that is the route they want to take. i am again asking Monterey Financial Services through this complaint to fix and report this financing on my credit as i will not stop until it is fixed. i will also call all media outlets in the city XXXX the offices of business oversight, offices of licensing and incorporating and the XXXX XXXX district attorney 's office, this financial fraud.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2017-02-17

Chillicothe, OH

Managing the loan or lease

Consumer Loan: Installment loan

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

Disputed: No Timely Response

2017-02-12

Surrey, ND

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: I was contacted by XXXX several dozen times and I repeatedly told them that that they had the wrong person and I did not provide any thing from them. They said a laptop was purchased by mme and that is not true. I have never bought a laptop nor was a laptop delivered to me. I believe that someone may have stolen my personal information to make this purchase. I explained this to the representatives on the phone and they threatened me and called from XXXX-XXXX somedays. I begged them to stop calling me and they continued to call and said they were going to file a lien on my home and my vehicle. I had to change my phone to to stop the harassment calls. They would not work with me and called me a liar when I said I did not make a purchase from their company. I eve. Made payments for something I did not buy so they would stop calling and not place liens on my possessions. They are cruel people and I believe they were scamming me.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2017-02-09

Boston, MA

Received a loan I didn't apply for

Payday loan:

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

Disputed: No Timely Response

2017-02-07

San Diego, CA

Incorrect information on credit report

Credit reporting:

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

Disputed: Yes Timely Response

2017-02-06

Hawthorne, CA

Disclosure verification of debt

Debt collection: Other (i.e. phone, health club, etc.)

Not given enough info to verify debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2017-02-03

Baltic, CT

Unsolicited issuance of credit card

Credit card:

Complaint: purchased a opal ring at XXXX jewelry store. XXXX days later returned it as it was white stone and had some sm stones around it ; was to big for my hand. XXXX the store clerk asked if I wanted to look and I picked out a XXXX ring w/necklace. Did n't want the necklace but it was a set and cost a few dollars more. She evened the purchase by putting the difference on my visa credit card ( approx. $ XXXX. ). Got hm the set was very cheap and the opal a fake so I brought it back. it took her almost an hr. to process the return and again I used my visa to get a " credit '' back or the overage. Clerk had attempted to get me a XXXX Credit card but was denied. a few wks later rec 'd ph call fm Monterey Financial about pmt to my acct. replied I had no acct. they insisted I did and owed them $ XXXX Which I did not ; explained what happened and faxed ALL paperwk/receipts to them. they could n't make anything out of the paperwk ; insisted I owed them $ XXXX This was a yr ago this past XX/XX/XXXX. Went to an attny, he wanted them to call Him. They took his name and ph # and supposedly never called attny. I sugg we go to court to sue but attny said it was n't worth it??? Now my credit score is in the toilet when it was XXXX and here I am not ever moving out of it??? I also found in my looking for paperwk/recepts what I had thought was a credit on my visa for the $ XXXX was in fact a charge of {$310.00} ... so I in fact paid for something I DO N'T HAVE
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2017-02-03

IL

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: I never bought anything from this company it was a frauglant charge.. I never paid it. Because I was never aware of it
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2017-02-02

Jackson, NJ

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

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

Disputed: No Timely Response

2017-02-02

Murray, UT

Communication tactics

Debt collection: I do not know

Threatened to take legal action
Complaint: When I spoke to agent on phone and told them I did n't have a job they said well that 's my problem and now they are going toctake legal actions against me. They wo n't stop calling my cell phone and refuse to stop harassing me. They have been calling even my mothers cell phone and work phone.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2017-01-25

Jax, MS

Managing the loan or lease

Consumer Loan: Installment loan

Complaint: I do not have an account with Monterey Financial Services and therefore do not know why they are emailing as if I do. I got one bill from Monterey Financial Services and then XXXX XXXX transferred the bill back to their office and started sending me separate billing while they said they would credit my account and fix the amount owed since they never finished the work nor gave me financial credit in nearly a year. During this time I would receive a statements from XXXX XXXX thinking they will fix the tub which is not functional as the video on tv and internet said it would be. They advised that I was not to pay Monterey Financial Services and that I will be billed in house due to their error of not finishing the work and billing was incorrect. It is impossible for me to be in collections with Monterey Financial Services when I do not have any affiliation with Monterey Financial Services due to being billed for my account that is still in limbo for nearly a year. Also the work on this account was never completed and after more than XXXX calls and emails, faxes and certified letters no one from XXXX XXXX has decided to contact me to resolve the matter of the tub not working as it should and as of today 's date after sending a certified letter they have chosen not to respond. The tub which XXXX installed leaks and also now has disgusting drainage flies after the installation of the tub. As of today 's date no one came to fix anything and the tub does not get hot so in order to use the tub it 's cold water. They advised on numerous occasions what they would fix it and its been nearly a year and no one has ever showed up to do anything. I have no affiliation to pay for an account that was transferred back to XXXX from day one when I first got a bill from Monterey Finance I immediately called and was taken off the call list and billing list as a client and advised by Monterey Financial Services staff that XXXX has the account back. I never heard back from Monterey Financial Services office now after all of these months no calls, no statements were sent not even a letter only an email from XXXX XXXX XXXX advising me of arrangement to pay or obligation when there is none. No one can pay XXXX companies at the same time. No one can pay for services not completed, no one can pay one company for a few months then the other company for another then jump back to the finance company this makes absolutely no sense and is poor business practice. I will repeat I do not have an account with Monterey Financial Services and my account is with XXXX XXXX as billed I am still waiting for the work to be completed so I can use the tub and also for someone to get these drainage flies out of here from the sewerage line that was incorrectly installed. I have waited nearly a year for someone to show up I have emailed, called send certified letters and not one letter in return.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2017-01-24

Discovery Bay, CA

Managing the loan or lease

Consumer Loan: Installment loan

Complaint: I took out a same-as-cash 12 month payment plan From a XXXX. This was later transferred to Monterey Financial Services, LLC. My loan was paid in full in XXXX 2017 ; however? Monterey continues to collect payment through the automatic debit I gave set-up. They do not respond to phone calls and website is completely bogus. I am Unable to log in to my account and unable to re-set password etc.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response