Monterey Financial Services LLC

2015-09-10

VA

Managing the loan or lease

Consumer Loan: Installment loan

Complaint: XXXX loan was charged interest up front in addition to online payment fees, miscellaneous fees, and fees accrued even though no payment was due and account was prepaid.
Company Response: Company disputes the facts presented in the complaint Closed with explanation

Disputed: No Timely Response

2015-09-07

Lewisville, TX

Account terms and changes

Consumer Loan: Personal line of credit

Complaint: I have an inquiry on my credit that is not mine. I never applied for credit with this company and no proof through my investigations has been provided. Company fails to respond.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2015-08-27

Cove Spring, TX

Disclosure verification of debt

Debt collection: I do not know

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

2015-08-22

Leesburg, VA

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

2015-08-12

Fairfax, VA

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: Yes Timely Response

2015-08-11

Everett, WA

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: A collection was added to my credit report that i do not owe, i have had no dealings with the company that the collection company says i owe money too
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2015-08-06

Neptune, NJ

Taking out 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

2015-08-05

Oxford, GA

Problems when you are unable to pay

Consumer Loan: Installment loan

Complaint: I took out a loan with XXXX to have a procedure done. They quoted me for XXXX dollars but only provided the doctor XXXX and I still had a balance with the doctor of XXXX. Moreover, I would pay back XXXX dollars for three years XXXX a month. I hit hard times so I missed XXXX payments and also decided not to have the procedure done. I was told todat by the doctors office that XXXX rescended their loan and that the doctors office sent them their money back. So I should not have to pay anything because not only did they pull their money back I never got the procedure.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2015-08-03

Los Angeles, CA

Taking out 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: Yes Timely Response

2015-08-03

Dothan, AL

Cont'd attempts collect debt not owed

Debt collection: Medical

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

Disputed: No Timely Response

2015-07-29

Bremen, GA

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: When speaking to Monterey Financial Services, they would not send documentation of what this debt is for. I sent a letter to Monterey Financial Services on XXXX XX/XX/XXXX and it was returned with no forwarding address. When I spoke to Monterey again, they would not give me an address to correspond with them. They stated I have to pay this money in order to get any information. They did not care that the company I originally contracted with, XXXX XXXX XXXX, went out of business XX/XX/XXXX ; therefore, there was no service provided for the debt they were trying to collect.
Company Response: Company can't verify or dispute the facts in the complaint Closed with explanation

Disputed: Yes Timely Response

2015-07-21

Quartzsite, AZ

Communication tactics

Debt collection: Medical

Used obscene/profane/abusive language
Complaint: I cosigned for a XXXX loan for a friend of mine. She was unable to make payments since she recently moved and did not have a job. We called and set up payment arrangements to stop the debt from going to collection. She satisfactorily made the XXXX payment. XXXX payment was due on XXXX/XXXX/2015. On XXXX XXXX XXXX, rep ID XXXX contacted me directly, instead of calling my friend first and demanded that I pay before XXXX or I would be sent to a collection agency with derragotory marks and the full {$9000.00} would be immediatly due. I did not like the tone of her voice ... she was being very rude and demeaning. She would not let me explain the situation and she only concentrated on the debt, and paying the debt NOW!. At one point XXXX asked me if I was, " enebriated. '' I am completely awstruck at the level of service this company is providing. They treated me as just another debt and personally verbally abused me. We called back later and spoke to XXXX ext XXXX, she is a supervisor, and she adv that there is a 10 day grace period and paying on friday would be ok.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-07-16

Southgate, MI

Disclosure verification of debt

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

Right to dispute notice not received
Company Response: Company can't verify or dispute the facts in the complaint Closed with explanation

Disputed: No Timely Response

2015-07-10

Boulevard, NY

Disclosure verification of debt

Debt collection: I do not know

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

2015-07-10

Akron, OH

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

2015-07-07

Crow, OR

Communication tactics

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

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

Disputed: Yes Timely Response

2015-07-05

South Florida, FL

Disclosure verification of debt

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

Not given enough info to verify debt
Complaint: I purchased a system from XXXX XXXX as a free trial for {$24.00} and returned it to the merchant before the trial period expired since the merchandise was defective. The merchant never returned the initial amount of purchase but then charged me for the next month supply ( which I never received ) as a recurring fee of {$69.00} and I disputed the transaction and told them I have already returned the system and they should n't be charging my card with any recurring fees because I wanted no business with them. All I know after that I started receiving calls from a collection agency named Monterrey from which I have never received any mailing stating why they are charging me the amount of {$590.00} reflected in my credit score or how to dispute this transaction. They are harassing me with calls at anytime, even when I have told them to stop calling me at work, they got my house phone number even when I never gave out this number and have n't stopped calling me since. I called the original merchant for an explanation of why they are charging me that amount when they have the system back and they just blew me off telling me I need to talk to the collection agency. I 'm seriously considering a civil action against the XXXX companies for unlawful business practice ; they are charging me for an amount they have n't disclosed in detail why I owe them, then harass me at any given time they feel like calling me, I have asked them for a detailed explanation of the " debt '' and as a consumer I have not received any plausible explanation of this so called " debt ''. It 's been a year since I first purchased this merchandise and returned it, and it 's getting to the point that they are ruining my life with this issue, they will wake me up my sleep with calls. Please help me with this matter, I do n't know what else to do. Thank you.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2015-06-30

Chicago, IL

Improper contact or sharing of info

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

Talked to a third party about my debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2015-06-26

MA

Managing the loan or lease

Consumer Loan: Installment loan

Complaint: XXXX XXXX represents a " time-share '' company which will not honor its agreement. Have tried numerous time to use their services which we are paying for to no avail.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-06-16

Everett, WA

Charged fees or interest I didn't expect

Payday loan:

Complaint: I took out a loan for {$490.00} for furniture. The advertising at the store said " 90 days same as cash financing. '' Wrong!! They said it would be {$550.00} over 90 days and they would charge me an extra {$15.00} to make that XXXX even payments. When I asked how much it would be to pay in full that day ( 5 days later ) I was told it would be {$540.00}. Then I was told it would be {$530.00}. Then after spending 45 minutes on the phone when them and exchanging many e-mails asking where these fees were coming from they had a " supervisor look into it '' and I 'm now paying the original amount plus a {$25.00} service fee. They have been deceptive from the start and just try to get as much money as possible out of people. Now that I 'm trying to pay it online ( for an extra {$10.00} charge ) there are more issue and if I call to pay it there 's another {$15.00} fee.
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation

Disputed: No Timely Response

2015-06-10

Klamath Falls, OR

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

2015-05-30

Grosse Ile, MI

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt resulted from identity theft
Complaint: Someone used my id in XX/XX/XXXX and XX/XX/XXXX. I pulled my credit report found a {$15000.00} (!! ) ) bill from montery collections in XXXX. I sent a debt validation letter they sent back a letter stating " the defaulted account will continue to be reported accordingly '' it 's in dispute and on my credit!!! Copy letter attached. The computer printed generic contract does n't have my signature, just a printout. They did not validate the debt, nor answer all my questions asking for copy contract my signature, copy their bond and license number, copy papers showing I agree to pay, nothing. They are not licensed to collect debt in State of XXXX. They did not send a copy of the agreement showing they are authorized to collect debt on someone 's behalf, nor the name and address of the original creditor as requested. I am sending a XXXX letter, which is attached hereto., by registered mail. I am writing the attorney general of XXXX and of michigan as well as the FTC.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2015-05-15

Gloucester City, NJ

Managing the loan or lease

Consumer Loan: Installment loan

Complaint: my payment is due on the XXXX the late payment is XXXX, if I mail my payment in via check the company never receives it by the due date or the XXXX, then they charge me a late fee and I end up paying online so they charge the transaction fee. Any month I send the payment by mail they call on the XXXX saying they have n't received it forcing me to pay the late fee and transaction fee. Also now that I review the payments I do n't think the interest they charge me is legal it just seems like im paying triple.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2015-04-28

Columbia, SC

Cont'd attempts collect debt not owed

Debt collection: Medical

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

Disputed: Yes Timely Response

2015-04-24

White Hall, PA

Managing the line of credit

Consumer Loan: Personal line of credit

Company Response: Closed with explanation

Disputed: No Timely Response