Monterey Financial Services LLC

2018-10-02

False statements or representation

Debt collection: Mortgage debt

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

Timely Response

2018-09-24

MA

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: I was in the process of building a new home and moving to Florida since XX/XX/XXXX. Over the past year, my credit has been pulled by different mortgage companies and I have never had this debt reporting on any of my credit reports. My home is completed, and my mortgage company needed to pull a new credit report since credit reports are only valid for 120 days. On XX/XX/XXXX, there was a new credit report pulled to finalize the closing of my new home. To my surprise, there was a collection account reporting to XXXX only for XXXX XXXX XXXX in the amount of {$17000.00}. I had looked up their contact information and contacted them. They were not able to locate me via phone, social or name. They even transferred me to their financial department who again, couldn't locate me via any of the forementioned ways. On XXXX, my lender and I contacted XXXX to see if there was any information ( phone number, account number, etc ) pertaining to this debt. The representative at XXXX stated that the collection belongs to Monterey Financial Services and was able to provide me with their number. On the same day, my lender and I called Monterey and were connected with an XXXX XXXX. They were not able to locate an account for me via my social security number, as they don't have a social on file for me. XXXX stated that her company has held the debt since XX/XX/XXXX. She stated that the ONLY debt validation letter that was sent, was sent via my email and that it never bounced back. She stated that this was in XX/XX/XXXX and was the one and only letter that was sent. She also stated that there were attempts to get a hold of me, just never any voicemails left. She claims that they have reported me to XXXX since XX/XX/XXXX. Again, this is the first time this has ever shown up on a credit report and based on the communication with XXXX, I stated that we were incorrect continually dismissed the fact that we stated that this account hasn't shown up on any credit report prior to this. Had I known that I did in fact have a debt that I am questioning, I would've challenged the legitimacy of this debt long ago ; or at the very least, when my credit was pulled at my mortgage company in XXXX. We continued to ask what this debt was from/for and we were told that it was a vacation club that I had purchased and that I owe the money and they will continue to report it until I pay the XXXX and that the debt is valid because I never responded to the alleged email that was sent. My lender asked what proof is available to show that the debt was valid, since I didn't have any idea of anything that I ever signed. XXXX was not plesant, continually spoke over my lender and stated I signed a contact that I had to pay without providing any option. Again, my lender asked that I am sent a copy of the contract along with using US Postal as the only method of communication. The company is based and housed out of XXXX XXXX. When we were in XXXX XXXX, we were staying at a hotel which had no air conditioning, no warm water and very low water pressure. Upon multiple complaints, we were told that they'd take us to their sister property and were very apologetic. This was the extent of my affiliation with XXXX XXXX XXXX. Upon return to the states, I noticed on my bank statements charges from XXXX which I immediately contacted them and asked them to stop, in which the appoligized for the mistake and cancelled everything out. On XX/XX/XXXX, my lender had called Monterey and asked for a copy of the sales contract. XXXX had forwarded the below information : ( listed below ). The alleged purchase contract only has pages 1 through 5 out of 10 provided. Page 3 of 10 is missing a witness signature. There was a promissory note that consisted of pages 1 and 2 out of 10 provided. There was a rates and fee schedule provided, only pages 1 and 2 out of 10. There was the payment history along with the reversed payments. The payment history made no sense and was not well explained. My lender reviewed the contract and emailed and called XXXX back to question the missing pages. He was told that they are not obligated to provide me with any documentation of the validity of the debt and that it was done as a courtesy. She also stated the Monterey requested the contract from XXXX and that is what they received. She reiterated that they did this as a courtesy and that they do not need to provide anything showing that I owe the money. I have received partial pages on a supposed contract that I signed which is missing witness signatures, they do not have my social on file and they claim that they emailed me the validation of debt letter, not mailed.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-09-20

Euclid, OH

Incorrect information on your report

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

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

Timely Response

2018-09-17

Kings Mountain, NC

Struggling to pay mortgage

Mortgage: Other type of mortgage

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

Timely Response

2018-08-29

Watkins, CO

Charged fees or interest you didn't expect

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

Complaint: I changed the amount of my payment in XX/XX/XXXX. I increased the auto pay so that I could pay off the loan early. I asked while on the phone that the extra money was to be applied to the principle. I paid a larger payment in XX/XX/XXXX and figured that the final payment would be taken the next month XX/XX/XXXX. The lender never applied any of the extra payments to the principle ever. Loan is paid off and the lender collected an extra XXXX in interest.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-08-24

TN

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: placed in debt collection without proper written notice as per consumer protection laws collection service called but no written info until filed inquiry with consumer protection. it is difficult for me to converse on phone due to medical condition. plus to many phone scams. I need my credit report cleared or at least assurance that it will be cleared written and mailed to me, also did not receive copy of original complaint all I received from collection is a copy of a 14 year old contract I need current info from original deters contact info name fax number etc. also would need info on total amount was arrived at that I owe not just a statement but actual numbers so I can make sure this does not happen again. to put it in simpler terms who are you sending the money to when I pay you. look forward to resolution. will be un able to communicate for a few days medical treatment thanks
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-08-24

Arlington, VA

Written notification about debt

Debt collection: Medical 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

2018-08-22

Juniper Hills, CA

Communication tactics

Debt collection: Other debt

You told them to stop contacting you, but they keep trying
Complaint: For 8 months now, XXXX XXXX from Monterey Financial in XXXX Ca has contacted both my personal cell and office phone repeatedly. Everytime Me XXXX calls is the amount of debt has changed and the threats continue. I have asked that MrXXXX but call and all communication Can be sent in Writing through Us Mail or Email. On XX/XX/2018 .. Mr. XXXX contacted my office phone again. I informed him that I was not able to make a {$9000.00} payment today or in a lump sum..he asked Why. I told him that I am a single mother of XXXX ... in which he replied.. didnt you have kids when you acquired this debt. I asked for his name and his supervisors name.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-08-14

Aurora, CO

Attempts to collect debt not owed

Debt collection: Mortgage debt

Debt was already discharged in bankruptcy and is no longer owed
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-08-11

TN

Written notification about debt

Debt collection: I do not know

Didn't receive enough information to verify debt
Complaint: Never received billing or other info regarding ownership status. Began to receive phone calls from a collection company XX/XX/2017. Company did not seem legal as they did not give me any written notice or other info regarding debt, required by law. Checked credit report found I had been placed in collection, without written notice of that happening. My rights have I feel been violated by unlawful business practicus
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-08-05

NJ

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: I am requesting that you remove Monterey financial aka XXXX funding off my credit report. I dont owe the debt. Monterey financial failed to follow the proper procedures for the fair credit reporting act. They are falsely alleging that I owe of {$6000.00}. The account was removed, then illegally put back on my report. They have filed delinquent unfair reporting to all three of my credit bureaus reports. Please have them remove these delinquent records from my credit reports as they have failed to follow the correct procedures in violation of thd fair credit reporting act.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-08-03

Colma, CA

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

2018-08-03

City Of Sunrise, FL

Incorrect information on your report

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

Old information reappears or never goes away
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-08-02

E Haven, CT

Incorrect information on your report

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

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

Timely Response

2018-07-29

NY

Communication tactics

Debt collection: Other debt

You told them to stop contacting you, but they keep trying
Complaint: I originally received a call from this company attempting to collect a debt. I offered a settlement without doing any research on the account because I recognized it. They denied the first settlement offer, I then tripled the settlement offer and still they refused. So I did some research and disputed the account with the 3 credit bureaus. They all removed the account from my report on the grounds that it was too old to be collected on. I called this company and notified them of the finding by the credit bureau and asked for them to XXXX out the balance and close the account, they refused. I then asked not to be contacted any more. They continue to contact me on a weekly basis. This morning I awoke to an alert on my credit report, they have since reported the same debt removed from a dispute again and continue to call me. Please help me, these people are harassing me and ruining my credit that I have been trying so hard to fix.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-07-20

Itasca, IL

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: In a letter dated XX/XX/2017, Monterey Financial Services LLC located at XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA claimed that they have been assigned a debut form XXXX XXXX XXXX for servicing. The debt balance is listed as {$50000.00}. We replied with a letter on XX/XX/2017 with specific instructions of providing detailed info re this debt but have never received any response. We have never engaged or used XXXXXXXX XXXX XXXX in any way in the past of present and do not believe this debt is ours to pay. Since that letter, we have been called on a regular basis by XXXX XXXX XXXX to try and get us to address the debt. Now, this same group is calling relatives in an effort to bully us into paying for a debt that is not ours.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-07-15

VA

Attempts to collect debt not owed

Debt collection: I do not know

Debt was result of identity theft
Complaint: on or around XX/XX/2017 I started receiving notices from this company XXXX XXXX stating that I had purchased a dog from them for over 5,000 dollars at that time I became furious because i had not applied for credit and i have a fraud alert added to my report so before credit was issued they were to contact me. I requested paperwork from the company in regards to the dog all they could provide was a pre printed contract without my signature, I also filed identity theft in regards to this. This company has been very nasty to me and not providing much help. They have been contacted several times by my attorney in reference to this. I was also advised to file and IC3 complaint for crimes that take place over the internet.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-07-11

Fort Worth, 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

2018-07-09

Boston, MA

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

2018-07-04

Del Sur, CA

Communication tactics

Debt collection: I do not know

You told them to stop contacting you, but they keep trying
Complaint: ive sent them multiple letters and they refuse to respond or validate the debt they claim i owe. Ive recently received a letter and email from them stating that they didnt have to validate my debt or answer to my dispute letters because i didnt dispute within 5 days. This is absurd and they still cant not send me an original contract with my signature. I have sent multiple letters and they havent responded within the 30 day period. My next step is small claims court. they keep harrasing me by email and phone after they already have broken the law. This needs to be removed from all bureaus because there lack of responses and inability to verify the alleged debt.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-07-03

Aurora, CO

Incorrect information on your report

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

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

Timely Response

2018-06-26

Northside, NC

Attempts to collect debt not owed

Debt collection: Other debt

Debt was already discharged in bankruptcy and is no longer owed
Complaint: I spoke with Monterey sometime in XXXX, stated that I could have been a possible victim of identity theft. Later while speak with the gentleman on the phone ; I researched my bankruptcy documents ; and noticed that XXXX and Monterey was listed in my bankruptcy proceedings. I explained to them that this collection was included in my bankruptcy. I also have written proof that it was included in my bankruptcy. The collection account was removed from my account. The following month ; this collection was added back to my credit report. This needs to be permanently removed from my account. The documents attached on page 14-15 clearly show XXXX and Monterey listed.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-06-25

Greenwood, CA

Written notification about debt

Debt collection: I do not know

Didn't receive enough information to verify debt
Complaint: I received a Collections notice from Monterey Collections dated XX/XX/2018 in regards to a timeshare account with XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX I sent them a letter to dispute the validation of the debt owed as well as to inform Monterey Collections that I have made prior attempts to notify XXXX XXXX XXXX XXXX XXXX that I am disputing the validity of this debt and of my intent to cancel this account and attached membership with XXXX XXXX XXXX XXXX XXXX due to the fraudulent misrepresentations that were made to pressure me into signing the timeshare contract. It has been well over the 30 days since I sent that notice back to Monterey Collections and they failed to respond therefore, they need to remove the account from my name and credit files. However, I recently noticed that they have showed up on my credit report.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-06-18

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

2018-06-15

Oakland, FL

Attempts to collect debt not owed

Debt collection: Other debt

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

Timely Response