Monterey Financial Services LLC

2018-12-13

Val Verde, TX

Took or threatened to take negative or legal action

Debt collection: Payday loan debt

Threatened or suggested your credit would be damaged
Complaint: Company name : Monterey collection sv XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX Acct XXXX show me that you are licensed to collect in my state ; Texas. Your lincense numbers and registered agent I have yet to receive any of this information, and its really becoming a problem, please assist me with this issue
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-12-13

San Francisco, CA

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

2018-12-12

Arco, CA

Incorrect information on your report

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

Information belongs to someone else
Complaint: Creditor Information MONTEREY COLL SVC XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX ( XXXX ) XXXX Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX The above company has a collection on my credit reports and I have disputed it. It has been over 30 days and the credit bureaus have not given me a response. This is not my account and the account was opened fraudulently.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-12-11

Val Verde, TX

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: Company name : Monterey collection sv XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX Acct XXXX I have ask for the following and if not recieved I requested deletion and I have yet to get the following items 1 agreement with the creditor that authorizes you to collect on this alleged dept 2the agreement bear my signature stating that I have agreed to assume the dept 3 valid copies of the dept agreement stating the amount of the dept and interest charges 4 proof that the statute of limitations has not expired 5 complete payment history on this account along with an accounting of all additional charges being assessed 6 show me that you are licensed to collect in my state ; Texas 7 your lincense numbers and registered agent I have yet to receive any of this information, and its really becoming a problem, please assist me with this issue
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-12-09

Southern Pnes, NC

Written notification about debt

Debt collection: I do not know

Didn't receive notice of right to dispute
Complaint: Monterey Collection Services has placed a negative mark on my credit report for {$2600.00}. I never received proof of this debt or written notice of right to dispute. I have no knowledge of this debt.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-12-07

Clinton Township, MI

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: On XX/XX/2018 at XXXX XXXX XXXX we received a call from Monterey Financial XXXX. Person leaving the message was clear until what the matter was regarding and then made what they were saying very hard to decipher until she gave the phone number and extension to call her back at.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-11-25

Newnan, GA

Incorrect information on your report

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

Account information incorrect
Complaint: Monterey Financial continues to Re-Age a delinquent account, as well as increase the amount owed. The account was originally reported on my credit on or around XX/XX/XXXX. The account now reflects the open date to be XX/XX/XXXX. It also has increased by approximately {$2000.00} dollars from what was originally reported. I have provided information to the company that proves that the account should no longer be open, but they refuse to investigate with the original creditor as well as the business where the product was returned to and contract cancelled. The account number also continues to change within several emails and dispute inquiries.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-11-24

Bronx, NY

Attempts to collect debt not owed

Debt collection: I do not know

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

Timely Response

2018-11-17

Billerica, MA

Incorrect information on your report

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

Account status incorrect
Complaint: Monterey Collection service is refusing to remove a collection item from my XXXX Credit Report in the amount of {$43000.00} for a debt which was cancelled by XXXX XXXX XXXX in XX/XX/XXXX. The cancellation letter clearly states that XXXX XXXX is relieving me from the debt. Multiple disputes have been filed in the months of XXXX and XXXX of XXXX with XXXX and Monterey Collection service still claims the reported item is accurate. I need this item to be removed from my credit report as the debt was forgiven by XXXX XXXX XXXX who is the original vendor. all objective evidence is attached.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-11-12

Warrenton, VA

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Complaint: The amount due on this account is inaccurate. They are trying to charge fraudulent charges to get more money. The total amount of the product was for {$2500.00}. The amount already paid to them was 9 payments of {$240.00} + {$2200.00} plus initial deposit of {$640.00} bringing that to a total of {$2800.00}. Therefore, this account was paid in full. I have previous documents and statements proving this. I would like this removed from my credit score account. I have contacted them numerous times and all I have been told is that I owe them {$5600.00} more. They constantly threaten that if I don't pay it that they will making this appear on my credit score. They are continuously ruse on the phone to me. Wont try to help me or listen to my concerns.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-11-08

Cape Coral, FL

Attempts to collect debt not owed

Debt collection: I do not know

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

Timely Response

2018-11-08

Mustang, OK

Communication tactics

Debt collection: Medical debt

You told them to stop contacting you, but they keep trying
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-11-06

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

2018-11-02

WI

Attempts to collect debt not owed

Debt collection: Medical debt

Debt was result of identity theft
Complaint: Debt is not owed, identity theft reports have been filed and submitted to all appropriate parties and credit agencies. Absolutely zero communication from the debt collector and balance of amount due has doubled. Proven multiple times its not my debt. This needs to be immediately removed from my credit reports and company needs to cease and desist immediately.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-10-31

Harsens Is, MI

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Complaint: I never signed a contract with Monterey Financial. They threaten to file suit against me. The debt is in collections they are adding interest every month to a account thats in collections and reporting it as late on my credit report. I tried contacting to solve debt by paying they wouldnt accept my offer. The manager doesnt know how to properly communicate. Theyre continuously harassing me calling either to early in the XXXX or to late in the afternoon. I would be satisfied if this debt is removed my account especially since theyre reporting false inaccuracies. If a account is added to collections as a debt that is supposed to be closed but still reporting as late and causing the amount to grow for no accurate reason.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-10-31

Lewisville, TX

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: This account has been on my credit report and It is not mine. I have never done business with this company and I would like this account deleted from my credit report. I tried to contact the credit bureau to review my account and have the account deleted and they returned the account as verified and didn't provide me with any details as to how this account is owed by me. I am requested original documentation for this account to prove that it is mine or have the account permanently deleted from my credit report.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-10-30

Bohemia, NY

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Complaint: XXXX of 2017 I put a down payment down on a dog. I was told the cost of dog was {$1200.00}, and had agreed to pay that through a financing program. The name of the institution is Monterey Financial. After the {$1400.00} was paid ( 1 year later as I was told ) the institution continued to take money from my account. Therefore I stopped payment by calling the bank & paying the bank a small fee. They are continuing to call my phone and Im concerned this may affect my credit in a detrimental way.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-10-27

Pikeville, NC

Written notification about debt

Debt collection: I do not know

Didn't receive enough information to verify debt
Complaint: Mailed a letter and ask for Validation of this debt. The company have not responded to me as of today XX/XX/2018
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-10-25

Itasca, IL

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-10-24

Reynolds, IN

Written notification about debt

Debt collection: I do not know

Didn't receive enough information to verify debt
Complaint: XX/XX/2018 I sent a dispute letter to the party saying I owe them a debt to provide me proof they have not provided any proof
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-10-17

Lewisville, TX

Getting a loan

Student loan: Private student loan

Confusing or misleading advertising
Complaint: XXXX XXXX is out Utah. The representative never told me this would be a loan and monetary financial services never provide updates on balance. The school hardly ever return calls or keep up with you all alon. I just found out I have 8 percent student loan that was never explained to me I was told I cant the cancel the contact of the the loan even tho I want to with draw from the program. This is predatory lending against students who want to better their careers see XXXX reviews and Montray has horrible review. I just want to get away from this school, stop paying on the I never agreed to Verbally ; not get my credit ding by Montray Fiancial. Please help and save students time energy and money. XXXX XXXX lacks integrity and will ask to a positive post online about the school it is called bait and switch only if you need a extension in the course. Please help please help.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-10-13

Key Biscayne, FL

Dealing with your lender or servicer

Student loan: Private student loan

Don't agree with the fees charged
Company Response: Company believes complaint caused principally by actions of third party outside the control or direction of the company Closed with explanation

Timely Response

2018-10-10

Dallas, TX

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: I have never done business with Monterey Collections. I do not have a signed contract with Monterey Collections. I am not liable for this debt from XXXX XXXX. On XX/XX/2018 I contacted Monterey Collections asking for a proper debt validation. I also contacted Monterey Collections on XX/XX/2018 asking for proper debt validation. Monterey Collections failed to complete this request with a proper debt validation. An alleged e-bill does not meet FRCA requirements for validation. Monterey Collections has had ample time to produce a proper debt validation. If Monterey Collections can not immediately produce a signed contract from me acknowledging that I have in fact done business with them and am liable for this debt, which is proper validation, then they must remove their erroneous trade from my credit report at once. Inserting erroneous information onto a credit report is a FRCA violation that is liable for payouts starting at {$1000.00} if pursued. Monterey Collections does not have permission to contact me by email, phone, or US mail. All communication is to be done through this CFPB portal.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-10-04

Hollywood, FL

Attempts to collect debt not owed

Debt collection: I do not know

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

Timely Response

2018-10-03

San Gabriel, CA

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: To whom it may concern : On XX/XX/2018 I discovered an account for the amount of {$9900.00} that was reported on my XXXX credit report in error. I then contacted and disputed the problem. I fully explained the situation and have been frustrated by their failure to correct the problem and remove the inaccurate information from my credit report. The company has provided me with documentation that does not pertain to me, is for a XXXX XXXX and a XXXX XXXX that live in XXXX XXXX, I never lived there nor am I associated with these individuals. The problem has prevented me from obtaining a debt consolidation loan, and has created financial hardship up on me. Please register my complaint and contact me. Thank you,
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response