Monterey Financial Services LLC

2016-01-28

Bonaventure, FL

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

2016-01-15

Cordova, TN

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: I recently reviewed my credit report on XXXX/XXXX/XXXX and saw a new entry for a collection account that was placed on my file in XXXX XXXX. It refers to XXXX and is in the amount of approximately {$3600.00}. We went to a seminar in XXXX held by XXXX in XXXX Tn. and were offered a package THAT COULD BE CANCELLED within 30 days. I contacted them within the 30 day window and cancelled my obligation. I spoke to them verbally and also sent a written request to cancel. The agent for them said she noted our file and acknowledged it was cancelled. Again, the service offered by them was never used in any manner and was cancelled properly. This was 8 years ago. Now, for some reason it has been re-surfaced and turned over to a collection service. I want this removed immediately from my credit report. The debt IS NOT VALID.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2016-01-05

North Highlands, CA

Cont'd attempts collect debt not owed

Debt collection: I do not know

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

Disputed: No Timely Response

2016-01-04

MD

Taking out the loan or lease

Consumer Loan: Installment loan

Complaint: monterey financial ageed to update the credit bureaus after my last dispute through CFPB. However XXXX is reporting the item as being 60 to 90 days late.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2015-12-16

Clinton, MD

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

2015-12-08

Columbus, OH

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

2015-12-08

Jersey City, NJ

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt resulted from identity theft
Complaint: The agency continue to report I owe XXXX for cosigning on a loan. I never cosigned for anyone and the agency continues to file false information. I have not signed anything to cosign for anyone.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2015-12-08

Jersey City, NJ

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt is not mine
Complaint: The agency continues to attempt to collect a debt that is not mines. I have not cosigned for any loan and had a fraud alert on my credit for the past two years.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2015-12-05

MD

Taking out the loan or lease

Consumer Loan: Installment loan

Complaint: I ordered an exercise machine from XXXX off of a television infomercial. I agreed to pay XXXX payments of {$49.00} per month. One month after receiving the equipment I received a letter from Monterey Financial Services advising that I have a loan with them. A week later the account showed up on my credit bureau report. I never agreed to having an installment loan placed on my credit bureau reports. XXXX XXXX took it upon themselves to set up an account with Monterey Financial. During the course of paying for the equipment I got behind and Monterey Financial reported me as 61-90 days past due. When called Monterey and advised that I was going to sue them as I never gave authorization for them to open an account in my name and place it with the XXXX credit bureaus. XXXX the representative I spoke with received authorization from her supervisor XXXX XXXX that Monterey would change the status to paid as agreed if I paid the account off.I checked my credit files and found that they only reported the account as paid but with late payments. This was not the agreement. Further more the account should have never been placed on my credit files.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2015-11-30

Atwater, CA

False statements or representation

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

Attempted to collect wrong amount
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation

Disputed: No Timely Response

2015-11-24

Cadwell, GA

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: I have a charge-off on my credit from " MONTEREY FINANCIAL SVC '' & " MONTEREY COLLECTION SVC '' which I never even applied for. I was sent a letter from Monterey Financial Services Inc dated XXXX XXXX, 2014 saying that my credit application was denied. But again, I never applied for anything to this company or the application for " XXXX '' that they are referring to on their letter. I did attend a sales pitch meeting from XXXX but I did not purchase any of their vacation packages. Now my credit report is showing XXXX charge-offs from this company for {$4600.00} and {$3400.00} ; which like I mentioned above, I have never applied for to begin with.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2015-11-04

Leeton, UT

Taking out the loan or lease

Consumer Loan: Installment loan

Complaint: Hi, I am very frustrated with XXXX program. Where this has been going on for almost 7 years now and I am wanting to report this company incase others are also had issues with them and their Collection company. The company they have turn me over to is MONTEREY COLLECTION SVCS act # XXXX. I have had several harassing calls from this company, day, night even weekends.. I was unemployed back in XXXX and made the biggest mistake ever in ordering a program for " working at home '' this cost me {$59.00}, then the calls started from XXXX, saying they could guarantee me up to {$200.00} a week through their other program. It was a mentoring program where a live coach helps you every step of the way through the training process!! Well needless to say, I only received XXXX calls after that and really no coaching at all.. While I was into my 2nd week I realized this was just a scam and they were training me to sell products on XXXX and XXXX. Online sales.. I already knew how to sell on XXXX and XXXX, in fact I had been listing products on these sites for months. For several weeks I had tried to contact the company and let them know I was not interested in their program.. I was also receiving multiple calls from other companies trying to get me to purchase their program also.. They had sold my personal info to other Online companies, I guess because I had already fell for their scam!!! I finally just emailed them requesting my service to be canceled.. I received no response and figured I was done with them.. Then a few months later It started, I started receiving collection threats. I can attached my replies between me and XXXX. I have looked through my records and ca n't find my email I sent the first 2 weeks into the program, where I request a refund and to cancel my service!! If you can help me at all with this at all, Please let me know.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2015-10-25

GA

Communication tactics

Debt collection: Mortgage

Frequent or repeated calls
Complaint: On XXXX/XXXX/2015, I purchased a membership with XXXX XXXX XXXX XXXX XXXX. I received a letter in the mail pertaining to a free 5-7 day vacation. I called the number and spoke with a representative that told me I would get a free vacation for attending a presentation they were having in the XXXX, XXXX. The rep said that the vacation was completely free and the only fees I would be responsible for would be porting fees wherever I chose to port from. I asked if this were a timeshare presentation and was told no. The rep said they were nothing like timeshare but they turned out to be exactly that. I went to the the presentation expecting to receive a free trip. My wife and I already owned timeshare with XXXX XXXX XXXX in XXXX XXXX XXXX, so we had no plans of signing up for another. A gentlemen by the name of XXXX was the speaker. He was also the manager. He asked if anyone in the room has ever had timeshare. He went on to talk about how timeshare is a waste of money and you have to pay maintenance fees for the remainder of your life. He also said that the children of timeshare owners would inherit the timeshare obligation. He made us feel as if we had made the worst decision possible by having timeshare. XXXX went on to say that they would be able to get anyone that had timeshare out of their contract. We met with a sales rep name XXXX after the presentation that told us we would be out of contract with XXXX XXXX in about six months if we agreed to a membership with them. After about 4 hours, my wife and I decided to join XXXX XXXX. About a month after we signed our contract we tried to schedule a family cruise that was the price as one my wife found on XXXX. XXXX said their prices would save us a ton of money but that was n't the case. We were paying them {$230.00} per month for vacations we could find on any website. The free trip that I was promised was n't free. I would also have to pay processing fees among other fees that would cost me about $ 700- {$800.00}. They also did not explain that I would have to pay renewal and regular monthly dues in the same month. Nothing they promised me they have done. I have been receiving calls constantly from XXXX and Monterey Financial Services who the finances the loan. I explained my concerns to XXXX who was the customer service rep I spoke with. A few days later I received a call from XXXX. I advised them not to call me again but I have continued to receive phone calls. They have called me several times about this account after I told them not too. They have also called my wife on multiple occasions and she has no obligation to them because she is n't on the contract. The most recent call I received was on XXXX/XXXX/2015 from XXXX. The sound very angry in her voicemail and said I must return her phone call by the end of the day to avoid having the account go to collections. I have chosen not to pay this account because I have been lied to and been misinformed about everything. I have n't received anything they promised me. I feel as if I were scammed and do n't feel I should be obligated to pay the reminder of this contract. My credit score has also been affected negatively by this account.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2015-10-16

Fort Worth, TX

Cont'd attempts collect debt not owed

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

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

Disputed: No Timely Response

2015-10-16

Fort Worth, TX

Cont'd attempts collect debt not owed

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

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

Disputed: No Timely Response

2015-10-03

Glendale, CA

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: ABOUT 10 YEARS AGO, I contacted a camp ground membership and asked how to end my membership ; I followed their instructions and was told that my membership was terminated. I did n't expect any problems and accepted their word for it. About 5 years later, this collection company started calling me numerous times a day, every day. I told them I do not owe this debt. They have persisted for a number of years. Recently, NEARLY 10 YEARS LATER ( AFTER STATUE OF LIMITATIONS HAVE EXPIRED ) they had it put on my credit report ( in 2015 ). It is not a legitimate debt! The statute of limitations expired years ago! And it was illegal for them to attach it to my credit!
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2015-09-28

Dallas, TX

Disclosure verification of debt

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

Not given enough info to verify debt
Complaint: I have been contacted by Monterey Collections claiming I owe a debt for annual maintenance fees for a timeshare unit in XXXX. I timely responded to their initial correspondence requesting proof of debt, including signed documentation proving I am personal liable to pay this debt. Such documents do not exist as I am not the original owner and never signed any. I bought this unit in the after market and at that time only assumed the then current year 's maintenance fees which were paid at the time of purchase. They have not supplied me as requested any documents showing a legal responsibility to pay this ongoing fees for some undetermined time and have been reporting to the credit bureaus a debt that I do not owe, thus negatively affecting my credit. I have disputed the debt twice with the credit bureaus and each time they have sent me as letter which is attached stating : " Please note that per the FDCPA, you had 30 days from the date you were notified by Monterey that your account had been placed with Monterey Collections, to request to dispute this debt. You were notified by Monterey Collections on XXXX/XXXX/2013 and were sent notifications at that time. You failed to request for verification within the necessary time frame. " I have responded to both of these letters that this claim is false and sent them proof in the form of a letter on their company letterhead that is dated within the 30 days of their original collection attempt letter acknowledging my receipt of my request for debt validation ( also please find attached ). Even though I did timely respond, they continue to hid behind this excuse and continue to falsely report this debt. This company has ignored my repeated threats to file a complaints which is why I have been forced to finally do so.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2015-09-20

San Bernardino, CA

Improper contact or sharing of info

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

Contacted me after I asked not to
Complaint: Monterey Collections sent me a bill from 2009 from a company called XXXX XXXX that went out of business and or went bankrupt. Several years ago I turned them in for harassment and illegal collection practices. I sent them a letter many years ago with a do not contact. They have now contacted me per mail to tell me to pay up to a company that does not exist and out of there statue of limitations per CA Penal Code 1748.10. The only way I knew of this matter was when I was cleaning up my credit report. They will list it as new to start the process all over again which is against the Federal Law. Several other companies do this as well. Including the County of XXXX XXXX who refuse to comply with any and all laws on paid off bills and judgements.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2015-09-19

Wallington, NJ

Disclosure verification of debt

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

Right to dispute notice not received
Complaint: Bought a timeshare through XXXX XXXX while under the influence. I emailed them to cancel it within the 120 day period and it was being disputed. Did not have any contact with debt collectors, assuming that this was taken care of. I tried to get a mortgage, and found out through a credit report that they had filed to collect once again. I only found out through the credit report about the collection. I still have not received a phone call, email or even a letter telling me I still owe them money. It has been in dispute all along.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2015-09-18

Oviedo, FL

Cont'd attempts collect debt not owed

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

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

Disputed: Yes Timely Response

2015-09-14

Crow, OR

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

2015-09-14

Las Vegas, NV

Improper contact or sharing of info

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

Contacted me after I asked not to
Complaint: I received a demand for payment from a collection agency named Monterey Collections and sent them a notice that I did not want to work with them by sending them a certified letter notifing them that under provisions of Public Laws 95-109 and 99-361, also known as the Fair Debt Collection Practices Act, that their services were no longer desired. I informed them in my certified letter to them that failure to comply with this law will result in my immediately filing a complaint with the Federal Trade Commission and the California Attorney General 's office. I also told them that I will pursue all criminal and civil claims against them and their company for refusal to adhere to this request. I am filing this complaint to follow through with my stated action I would take against them for violating this law.
Company Response: Company believes complaint is the result of an isolated error Closed with explanation

Disputed: No Timely Response

2015-09-12

Magnolia, TX

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Company Response: Company believes complaint is the result of an isolated error Closed with explanation

Disputed: No Timely Response

2015-09-11

Peoria, AZ

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Company Response: Company can't verify or dispute the facts in the complaint Closed with explanation

Disputed: No Timely Response

2015-09-11

Bay Terrace, NY

Managing the loan or lease

Consumer Loan: Installment loan

Company Response: Company believes complaint is the result of an isolated error Closed with explanation

Disputed: No Timely Response