Monterey Financial Services LLC

2019-03-07

IA

Incorrect information on your report

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

Information belongs to someone else
Complaint: This company is reporting constant late payments on my account, however the account is not mine whatsoever, I called and spoke to them and told them they were reporting incorrectly, they then told me they were going to continue to report anyways. I asked for the original documentation and contract that was supposedly mine and they emailed me a blank pdf file with some non-sense written on it.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-03-06

Southern Pnes, NC

Incorrect information on your report

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

Information belongs to someone else
Complaint: Monterey Collection said the I bought an XXXX from them electronically, this is fraud and I have told company several times, they tried to get Money from my bank which was a fraud and my bank removed it because they knew it was a fraud, Now since I have been complaining money is add each time to the account from ( $ XXXX ), now I am making a complaint here. I want this off my report and they will lie and say someone else approved it who! NOT MINE. DID NOT APPROVE ELECTRONICALLY LIERS, AND I'M REPORTING TO POLICE DEPT. AS FRAUD. TRYING TO RUIN ME ON PURPOSE. MONTEREY COLLECTIONS I HAVE OFFICIALLY MADE A COMPLAINT AGAINST YOU.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-03-05

Cooper City, FL

Attempts to collect debt not owed

Debt collection: Other debt

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

Timely Response

2019-03-05

Newport News, VA

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-03-01

Colver, PA

Communication tactics

Debt collection: Private student loan debt

Called before 8am or after 9pm
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-02-28

Sacramento, CA

Attempts to collect debt not owed

Debt collection: Auto debt

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

Timely Response

2019-02-23

Houston, TX

Written notification about debt

Debt collection: I do not know

Didn't receive enough information to verify debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-02-22

CT

Struggling to pay your loan

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

Complaint: I signed up for what I thought was financing for my puppy from XXXX XXXX XXXX in XXXX CT in XX/XX/2018. The sign on the window specifically said financing, and the woman I was dealing with when applying for the financing said I would be making monthly payments for 2 years from the start date in XXXX. The sticker price of my dog was {$2400.00}. I applied for the financing through Monterey Financial Services and was approved. The woman at the pet store had me sign a few things quickly and that I was all set. Ive been making on time monthly payments of {$220.00} each month ever since then. Last month I went to check on how many more payments I had online and was shocked to find that I still have over {$4000.00} left to pay. I called Monterey Financial Services and was told I was not actually financing my dog, I was leasing it and to actually own her at the end of the leasing term I had to pay {$400.00} more. This was never told to me in the pet store or when I was on the phone applying for the financing. Now I am stuck in a pet lease and on top of it I have to pay more to own her at the end of it. I feel like I was misled in the whole process and Monterey is telling me that if I miss one payment they are able to take the dog back.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-02-19

Southern Pnes, NC

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
Complaint: On XX/XX/XXXX at XXXX XXXX, a representative from XXXX XXXX XXXX signed for a certified letter containing a dispute for a collection account they are reporting on my credit reports ( XXXX, XXXX, and XXXX ). On XX/XX/XXXX, they sent back a letter attempting to verify, but did not send any verification documents. I also sent another letter requesting verification, in which an individual signed for on XX/XX/XXXX at XXXX XXXX. They did not respond to the letter and they also did NOT mark the account as disputed within 30 days as required by law. They have not followed the guidance required by law per the FCRA and the collection need to be deleted from ALL of my credit reports.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-02-12

NC

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Complaint: On or about XX/XX/2012 my Ex-Husband purchased a vacuum cleaner in my name. The approximate price was about {$1500.00}. When he stopped paying on the vacuum cleaner my name was sent to the collection agency. Every year since then they have been adding more interest to the original {$1500.00} debt and changing the report date each time to reflect a earlier than later date of collection. I tried calling to dispute it but was told I needed to pay the entire amount or I would be brought to court. Soon after I would receive phone calls from Monterey Collection services every week to try and collect debt.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-02-12

Warrenton, VA

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

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

Was not notified of investigation status or results
Complaint: Fraudulent practice without validation by Montery Financial Services LLC hereafter referred as MF. I spoke to a rep at MF 2+ months ago when we received an email in our junk folder, no mail, what kind of company does not send a collection letter via mail. Regardless, I called MF and spoke to them about the issue. The issue here is that MF decided to do collection for XXXX XXXX situated in XXXX for maintenance fees of the timeshare. I explained to them that when I called XXXX XXXX in 2017, every employee I spoke to, they said that we no longer are the owners of the resort because it's under new management. They kept telling me that our ownership was with XXXX XXXX that went in bankruptcy and the takeover by new owners, XXXX XXXX, does not extend club ownership to XXXX members. So what was baffling is that they insisted I should make maintenance payment because we have privilege to use the club without ownership. Well frankly, we'd like to sell our timeshare if we still have the ownership and this is what I was unable to achieve in 2017 if we could confirm that we still owned it. Doing some online research, I came across forums and prior XXXX owners all had the same concern on loss of ownership. I explained this to MF rep and she promised me to get back with confirmation of ownership but didn't. A month ago, I was left a voice message saying MF is calling back but no details were left in the voice message. I called back immediately but ended up leaving a vm since their lines were coming busy. Till date, MF has not provided a valid reason to place a debt collection on our credit report of my wife and mine. This seems to be very unfair practice by Montery Financial to place a debt collection on our credit reports.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-02-11

Lake Grove, OR

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

2019-02-11

MI

Attempts to collect debt not owed

Debt collection: Auto debt

Debt was result of identity theft
Complaint: I have a debt collection reporting on my credit for an account that I did not authorize. I have never utilize credit services and or lines with this particular company. The information appears to be frivolous and I wish to address this matter. This debt does not belong to me.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-02-09

Chester, PA

Problem with the payoff process at the end of the loan

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

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

Timely Response

2019-02-09

Seneca, SC

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Complaint: This company is raising the amount a XXXX and then reporting I paid a XXXX, they have also doubled the amount owed.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-02-06

Alsip, IL

Took or threatened to take negative or legal action

Debt collection: I do not know

Threatened or suggested your credit would be damaged
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-02-06

Colo Spgs, CO

Charged fees or interest you didn't expect

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

Complaint: On XX/XX/2018 I leased a pet through XXXX which is managed by Monterey Financial. I leased a total of {$2600.00} and it stated that my payments would be {$180.00}. If I kept the lease the entire lease term it would be a total of $ XXXX.Which included a buyout of {$390.00} but that is not the case. Now it is the total of {$4900.00} plus the {$390.00}. I am trying to buy out the loan early by 14 months and they are stating that I would have to pay {$2000.00}. I have already paid {$2100.00} because I missed one payment and since I couldn't pay the two payments in one month I had to pay an extra {$120.00} to push the one payment to the end of term plus they charged me with 6 late fees for the 1 month I missed. No where in my paperwork did it state that my payment of {$180.00} was split to include a lease fee of {$99.00} so only {$90.00} was actually going to my principal. I am just trying to get it paid and move on but nothing is working. If I pay off a loan in half the time I should still be paying double of what I financed. I understand I made the decision but this is horrible and gets people into financial problems. I need help trying to settle this lease. Then also when a debit card transaction wouldn't go through they would charge another {$15.00} but it was never returned it was just declined.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-02-02

Boston Harbor, WA

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: In approximately XXXX my now ex-wife enrolled in an alleged XXXX program to become a XXXX XXXX XXXX. The company was conducting a scam. The supposed XXXX did not provide the promised instruction or service. The company is named XXXX XXXX XXXX XXXX. It is no longer in business, or is under a different name. I have attached screenshots of the company and companies that were connected. The screenshots are from XXXX Utah 's website. It is set up to show information about unethical or illegally acting companies. The screenshots show that it is out of business a of XX/XX/XXXX. The charge for the company was supposedly financed through Monterrey FInancial which is a collection company that also has a reputation for many complaints.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-01-31

Arco, CA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: I have discovered a derogatory mark on my credit about a year ago that did not seem familiar. After doing research I found out that the entry was related to a bail bonds company. At this time they provided me with information about an old roommate of mine who I have zero contact with apparently submitted my name as a backup contact and provided materials he collected from my initial application process when i moved in a few years before this. I have made several attempts to clear this from my report as I have not ever gave permission to this person to use my information and should not be liable for this persons debt. I have asked on a few occasions for them to provide me with proof of my information being submitted. They informed me that someone must have came into their offices and provided identification. This would be impossible and I would like to have some hard proof that this occurred. They said they would provide this information but still to this day will not remove the account from my credit or provide any further information. I am not sure what else can be done to resolve this. I do not want to pay for a debt that is not mine and clearly the result of identity theft.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-01-30

Lufkin, TX

False statements or representation

Debt collection: I do not know

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

Timely Response

2019-01-25

Greenwood, CA

False statements or representation

Debt collection: I do not know

Attempted to collect wrong amount
Complaint: XXXX XXXX XXXX XXXX is reporting on my credit file. I have tried numerous times to get information from them but no answer. I have also disputed this account with the bureaus and the account is being validated but no proof has been sent to me. They are a collection company and reporting not only a balance but also a " past due '' balance as well as a late payment on XX/XX/2018. Collections agencies should not report a 30 day late as it is already in collection. The account needs to be reviewed for deleted or prof needs to be submitted to me as to the validation of this debt and payment history would need to be updated right away. I have attached a copy of my credit report which shows how the account is reporting on my credit. Page 1.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-01-17

Nyc, NY

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: XXXX of XXXX, docs done for You, XXXX XXXX and Monterey financial worked together by completing forms for me to lower my XXXX XXXX payment. the forms would be for two years but we can only mail in one year at a time. at a cost of {$1500.00} paying {$58.00} monthly. I have already completed one year and should have completed the second forms since the summer of XXXX. I continued to make payments until XX/XX/XXXX when I stopped on the suggestion of XXXX XXXX because they are no where to be found. I tried several times reaching out to them by telephone and writing. the only company I was able to reach was Monterey financial because they would normally take the money from my account. I explained to them what is happening and they told me that they can not help me. Yet, they are collecting money I don't have. I am left with a large monthly student loan payment and incomplete job done by this group. I am now being bombarded with telephone calls everyday to pay for this service that was not done.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-12-26

Jax, MS

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Complaint: Monterey Collection is trying to collect on a debt that is not owed XXXX XXXX started to do work on home never came back and company was out of business on contract it is clearly stated that the work was not completed XXXX XXXX was contacted by the XXXX XXXX XXXX of Florida and has never responded Monterey is trying to collect on work that is unfinished and the consumer has been harassed for the debt that is not owed. Monterey refuses to delete a fraudulent account and continues to update the credit report of the consumer after repeated emails and calls as well as faxes and certified mail by the consumer Monterey Financial Services is engaging in fraudulent collection activity against the consumer and is fully aware that this is a fraudulent account and deceptive to the consumer for work that was never completed and the company is out of business giving bogus numbers to call and no one is ever answering calls to fix or complete the work the consumer has been deceived financially for an account that has been placed in collections for the company according to the better business bureau and the united states postal service to be certified as closed Monterey continues to pursue a fraudulent collection activity and is fully aware of FRAUD no consumer will pay for work that has never been finished to a company that is closed and does not maintain their product this is FRAUD. Company as of today 's date has never came back to complete the work as stated on the contract product is not as of today 's date fully functional as advertised. Company refuses to uphold their promises to the consumer therefore FRAUD is evident. XXXX XXXX was deceptive to the consumer is closed and went out of business and is wanting to collect on uncompleted work unfinished and is no where to be found. XXXX as of today 's date has never came back to finished the work Monterey continues to pursue collection on a FRAUD account to the consumer and is fully aware that FRAUD has been committed to the consumer due to deceptive increase in amount consumer has never agreed to the amount nor has the work ever been completed as shown on the paperwork the consumer continue to advise is EVIDENT FRAUD both parties are engaging in FRAUD to the consumer XXXX XXXX and Monterey Financial Services.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-12-22

FL

Incorrect information on your report

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

Information belongs to someone else
Complaint: I have consistently reported fraud on my credit regarding several accounts. After countless times, XXXX deleted the numerous accounts due fraudulent/inaccurate information. I called both XXXX and XXXX and explained XXXX removed the accounts and I needed to get the steps to remove it on the reports as well. They explained they investigated the same information and it was reported accurately. At this time I need the accounts removed because it has tarnished my credit for years. I have proof of XXXX removing the accounts and asked XXXX and XXXX if I could send it in. However the request was turned down. Can you please investigate this so I can get my credit in order? Thank you
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-12-14

El Cenizo, TX

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response