Monterey Financial Services LLC

2016-05-05

Lompoc, CA

Cont'd attempts collect debt not owed

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

Debt is not mine
Company Response: Company disputes the facts presented in the complaint Closed with explanation

Disputed: No Timely Response

2016-05-05

Discovery Bay, 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: Yes Timely Response

2016-05-04

Tarzana, CA

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt is not mine
Complaint: I received a collection agency notice today in the amount of {$2200.00}. I have never received any bill and do not owe this.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-05-04

Tarzana, CA

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt is not mine
Complaint: I have received a collection notice from Monterey Collections. Their client is XXXX, XXXX. This company went into bankruptcy because they were paying doctors for XXXX and performing unnecessary tests, and were sued. 2 years ago my dr sent me to XXXX for my basic labs ( usual cost around {$200.00} ). XXXX performed numerous other tests and charged my insurance co, XXXX XXXX {$3400.00}. The dr said I would not be charged for these tests which I never consented to. I was not billed by XXXX. XXXX told me it would only bill insurance company, that I was not responsible for amount insurance did not pay. Now that the company has gone into bankrupcy, the liquidation company is apparently putting people in collection for med tests that XXXX never billed us for, told us we were not liable for. I only needed a XXXX, XXXX, XXXX etc.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2016-05-03

El Sobrante, CA

False statements or representation

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

Impersonated an attorney or official
Complaint: They called my phone several times. I dont have an income I dont work, I am on medicine. I lost unemployment, I am about to loose my apt , because lack of income. I am not receiving food stamps. They called me saying that they are investigator and they coming tov My house. They said they reporting me to authorities. I told them to stop calling harassing me. I dont have anything.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-04-30

Derry, NH

Communication tactics

Debt collection: I do not know

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

Disputed: No Timely Response

2016-04-26

Terrell, TX

Problems when you are unable to pay

Consumer Loan: Installment loan

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

Disputed: Yes Timely Response

2016-04-25

Mangonia Park, FL

Managing the line of credit

Consumer Loan: Personal line of credit

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

Disputed: No Timely Response

2016-04-19

Cutler Bay, FL

Communication tactics

Debt collection: Medical

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

Disputed: No Timely Response

2016-04-15

Grand Mound, IA

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

2016-04-14

Burlingame, CA

Cont'd attempts collect debt not owed

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

Debt was paid
Complaint: MONTEREY FINANCIAL XXXX WRONGFUL COLLECTIONS PRACTICES FOR THE PAID IN FULL ACCOUNT WITH FAILURE TO VALIDATE THE ACCOUNT WITH DETAILS
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-04-12

Vab, VA

Taking out the loan or lease

Consumer Loan: Installment loan

Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-06

Reeds, MO

Problems when you are unable to pay

Consumer Loan: Installment loan

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

Disputed: No Timely Response

2016-04-06

OK

Managing the loan or lease

Consumer Loan: Installment loan

Complaint: I have been payingon this loan early every month. I get a letter in the mail on XXXX XXXX stating that I am overdue. I called the number on XXXX XXXX and spoke to XXXX Representatives. The first representative told me my account is current and to disregard the letter. I had concerns with this representative and spoke with another representative this representative was very rude and after 15 minutes of going back and forth finally she told me that the reason my account is overdue is because on XXXX XXXX of 2015 they did not receive a payment therefore for every month after that I have received a late payment and they have applied the payment I made for the month it 's supposed to be to the previous month. I had no knowledge of this missing payment I sent the payment in the mail as I have done every single other month I got no notification and was completely unaware that they have not received a payment. I called on XXXX XXXX and was on the phone at XXXX XXXX XXXX minutes before and XXXX minutes after I talked XXXX XXXX she informed me that they did not have my phone number they had tried to contact me they do n't mail out contacts and it was not her responsibility it was my fault and if I could n't provide proof for my bank that it had been cashed that they were completely within their rights to charge me the late payments and continue to play each payment that they receive each month early with a statement that they gave me that goes with each check for the according month she told me that that was their business practice. I asked why they did n't send me a letter some notification something I asked her to hear me out she was rude and horribly demeaning. I did call my bank today and there was not a payment for XXXX cashed. did send this and I did n't know they did n't receive it now they have been charging me late payments for over a year as a penalty and not sent me any kind of notification that I received I 'm stuck and I need help and clearly calling on my own has gotten me nowhere. When I ask to speak to a supervisor I was told there was none available their and there would n't be any available and If I wanted to speak to XXXX I just have to call and try my luck. Those are direct quotes. Please help me!
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-04-06

Occoquan, VA

Dealing with my lender or servicer

Student loan: Non-federal student loan

Trouble with how payments are handled
Complaint: Monterey Financial has extracted a late fee from me even though I have paid them on time. They have stopped my access to my educational program due to stating that my payment was late however they have received my first payment plus late charges and still I do not have access to my class. I have paid them off in full {$2700.00} yesterday but I still do not have access to my class at careerstep.com. I was treated like a criminal even though they did not mail me my loan documents or give me any copies of my financial agreement. I tried to set up a payment system with them thru my bank, XXXX but they do not process payments in a timely manner in order to extract late fees. They should be charged for bank fraud. XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX
Company Response: Company disputes the facts presented in the complaint Closed with explanation

Disputed: No Timely Response

2016-04-05

Dania, FL

Communication tactics

Debt collection: Medical

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

Disputed: No Timely Response

2016-04-02

San Gabriel, CA

False statements or representation

Debt collection: Medical

Attempted to collect wrong amount
Complaint: I spoke with a representative named XXXX. He said I owed {$120.00} but I disputed the amount. I owed {$96.00}. He spoke fast, he changed the amount on the debt 3 times during the call, and he lied and said they were a paperless company when I asked for a print out of my bill. XXXX did not direct me to the web site where I could put in my account information and see the correct amount. XXXX said they were a paperless company but they had sent me a paper invoice a week before.
Company Response: Company believes complaint is the result of an isolated error Closed with explanation

Disputed: No Timely Response

2016-03-22

Fort Lauderdale, FL

Communication tactics

Debt collection: I do not know

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

Disputed: Yes Timely Response

2016-03-15

Niverville, NY

False statements or representation

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

Attempted to collect wrong amount
Complaint: I was recently made aware of a debt that I may owe to XXXX XXXX XXXX XXXX XXXX in the amount of {$78.00}. This debt was related to a deposit account I had with this organization. I noticed the debt reporting to my credit files and disputed the information. I was quickly advised in writing from XXXX XXXX of this debt. I made a call to XXXX XXXX this morning XXXX/XXXX/2016 to advise them of my intention to pay this debt for {$78.00}. They had advised me this account was placed with a company called Monterey Financial based out of California. I contacted Monterey Financial when they opened this morning ( XXXX/XXXX/2016 ) and was advised for my account number with them and that my balance is not {$78.00} but {$120.00}. I argued stating that XXXX states it to be {$78.00} and that is what they are reporting. They stated that the account was placed with them for collections over 3 years ago. They had very old contact information and had no way of getting in touch with me. They stated they last attempted to reach me on XXXX/XXXX/2016 with no luck as again the information they had was almost XXXX XXXX XXXX. After going back and forth with their Agent XXXX XXXX XXXX. I decided I was getting no where. So I contacted XXXX again and they informed me that anything they would be charging would be their fees or accumulated interest on my original debt. To the best of my knowledge the FDCPA expressly forbids this. As a consumer I am not required to pay any unauthorized charges such as interest rates, fees, or other charges. XXXX also advised me on this call that only the amount of {$78.00} would be sent to them. I called back Monterey Financial and they advised me that the total amount of interest was billed at XXXX cents/day. This brought my balance to {$100.00} and they were charging a {$20.00} processing fee to handle my payment. They also advised me that they total amount of {$100.00} would be sent to XXXX and they only collect the {$20.00} for the payment fee. As far as I can tell I am paying an unlawful 10 % interest on a {$78.00} debt to capcom fcu and an unlawful {$20.00} payment processing fee to Monterey Financial. I made this payment because I am attempting get approved for a mortgage and was advised this could potentially hinder me. After making this payment I quickly researched and realized that I may have been charged undue interest and payment fees on behalf of XXXX and Monterey Financial.
Company Response: Company believes complaint is the result of an isolated error Closed with explanation

Disputed: Yes Timely Response

2016-03-08

TX

Communication tactics

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

Used obscene/profane/abusive language
Complaint: In 2014, I applied for a XXXX credit card to purchase engagement rings. I was under the impression that I was receiving credit through XXXX. I was declined for XXXX and they sent it to Monterey Financial. I was making payments to Monterey Fin until I fell on hard times, lost my job, and my child died last year. The agent was rude and disrespectful. She called me after I made online disputes for my credit report. She told me on last Saturday, " Pawn the rings and get the money. '' The prices went from {$1300.00} to {$1600.00} to pay off the account but my report says I owe {$1100.00}.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-03-04

Coalinga, CA

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt was paid
Complaint: I returned all the medical supplies sent to me in the amount of time specifide because the sensor was faulty and not accurate. I called and complained nurmous times to never have my calls returned, so I returned their products in full. They took money off my husbands credit card for over {$300.00} that needs to be returned to me. They have been harassing me non stop and I 've explained to them that I will not pay for something they already have back. I sent certified I have signed receipt! Thank you
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-03-02

Las Vegas, NV

False statements or representation

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

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

Disputed: No Timely Response

2016-02-20

MO

Managing the loan or lease

Consumer Loan: Installment loan

Complaint: I purchased a dog through XXXX pet store XX/XX/2015. They financed it through Monterey Finance, I was never given the disclosures for the finance charge. The purchase price of the dog was XXXX I have paid a total of XXXX on the dog. The purchase should be paid in full however I have never received a monthly statement showing my balance and finance charges. I finally was able to speak with someone after numerous attempts they stated I still owe a balance of XXXX. It 's more than frustrating that I have paid my payments monthly on time and without and communication from this phantom company. When you try to call them they put you on hold long amounts of time followed by being disconnected. I reached out to pet store where I purchased the dog they stated they could not give me any information.
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation

Disputed: No Timely Response

2016-02-20

Brooklyn, NY

False statements or representation

Debt collection: Medical

Indicated committed crime not paying
Complaint: My personal information was fraudulently used as a co-signee by XXXX XXXX XXXX for a medical credit. It was approved for her with out proper verification. Only my name and social security number matched what XXXX XXXX XXXX, the company that issued the credit to XXXX XXXX has on record in the application. Every other information, date of birth, address, job, telephone, wage, and email did not match, yet the application was approved.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-02-14

Evansville, IN

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