|
11325097
|
2024-12-30
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
| Issue |
Took or threatened to take negative or legal action
|
| Timely |
Yes
|
| Company |
Monterey Financial Services LLC
|
| Product |
Debt collection
|
| Sub Issue |
Threatened or suggested your credit would be damaged
|
| Sub Product |
I do not know
|
| Date Received |
2024-12-30
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-30
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
|
|
6274231
|
2022-12-04
|
Improper use of your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
Monterey Financial Services LLC
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2022-12-04
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-12-04
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
15 USC 1666B : A creditor may not treat payment on a credit card account under an open-end consumer credit plan as late for purpose.
|
| Consumer Consent Provided |
Consent provided
|
|
|
6336566
|
2022-12-19
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
Monterey Financial Services LLC
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive notice of right to dispute
|
| Sub Product |
Other debt
|
| Date Received |
2022-12-19
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-12-19
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
I have not received any notification from Monterey Collection Services that was reported to the credit bureau on XX/XX/2022 nor any documents to dispute such debt. In fact, I have not received any billing statements from this company with any financial agreements. I reported this company for fraudulent practices, including falsified documents. I have requested numerous times for documentation containing my signature as verification, but have still not received any such documentation.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2311234
|
2017-01-25
|
Managing the loan or lease
|
Consumer Loan
|
|
| Tags |
Servicemember
|
| Issue |
Managing the loan or lease
|
| Timely |
Yes
|
| Company |
Monterey Financial Services LLC
|
| Product |
Consumer Loan
|
| Sub Product |
Installment loan
|
| Date Received |
2017-01-25
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
Yes
|
| Date Sent To Company |
2017-01-30
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
I do not have an account with Monterey Financial Services and therefore do not know why they are emailing as if I do. I got one bill from Monterey Financial Services and then XXXX XXXX transferred the bill back to their office and started sending me separate billing while they said they would credit my account and fix the amount owed since they never finished the work nor gave me financial credit in nearly a year. During this time I would receive a statements from XXXX XXXX thinking they will fix the tub which is not functional as the video on tv and internet said it would be. They advised that I was not to pay Monterey Financial Services and that I will be billed in house due to their error of not finishing the work and billing was incorrect. It is impossible for me to be in collections with Monterey Financial Services when I do not have any affiliation with Monterey Financial Services due to being billed for my account that is still in limbo for nearly a year. Also the work on this account was never completed and after more than XXXX calls and emails, faxes and certified letters no one from XXXX XXXX has decided to contact me to resolve the matter of the tub not working as it should and as of today 's date after sending a certified letter they have chosen not to respond. The tub which XXXX installed leaks and also now has disgusting drainage flies after the installation of the tub. As of today 's date no one came to fix anything and the tub does not get hot so in order to use the tub it 's cold water. They advised on numerous occasions what they would fix it and its been nearly a year and no one has ever showed up to do anything. I have no affiliation to pay for an account that was transferred back to XXXX from day one when I first got a bill from Monterey Finance I immediately called and was taken off the call list and billing list as a client and advised by Monterey Financial Services staff that XXXX has the account back. I never heard back from Monterey Financial Services office now after all of these months no calls, no statements were sent not even a letter only an email from XXXX XXXX XXXX advising me of arrangement to pay or obligation when there is none. No one can pay XXXX companies at the same time. No one can pay for services not completed, no one can pay one company for a few months then the other company for another then jump back to the finance company this makes absolutely no sense and is poor business practice. I will repeat I do not have an account with Monterey Financial Services and my account is with XXXX XXXX as billed I am still waiting for the work to be completed so I can use the tub and also for someone to get these drainage flies out of here from the sewerage line that was incorrectly installed. I have waited nearly a year for someone to show up I have emailed, called send certified letters and not one letter in return.
|
| Consumer Consent Provided |
Consent provided
|
|
|
1158467
|
2014-12-16
|
Disclosure verification of debt
|
Debt collection
|
|
| Tags |
Older American
|
| Issue |
Disclosure verification of debt
|
| Timely |
Yes
|
| Company |
Monterey Financial Services LLC
|
| Product |
Debt collection
|
| Sub Issue |
Right to dispute notice not received
|
| Sub Product |
I do not know
|
| Date Received |
2014-12-16
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2014-12-16
|
| Consumer Consent Provided |
N/A
|
|
|
3110084
|
2018-12-26
|
False statements or representation
|
Debt collection
|
|
| Tags |
Servicemember
|
| Issue |
False statements or representation
|
| Timely |
Yes
|
| Company |
Monterey Financial Services LLC
|
| Product |
Debt collection
|
| Sub Issue |
Attempted to collect wrong amount
|
| Sub Product |
Other debt
|
| Date Received |
2018-12-26
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-12-26
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
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.
|
| Consumer Consent Provided |
Consent provided
|
|
|
1170868
|
2014-12-25
|
Communication tactics
|
Debt collection
|
|
| Tags |
Older American
|
| Issue |
Communication tactics
|
| Timely |
Yes
|
| Company |
Monterey Financial Services LLC
|
| Product |
Debt collection
|
| Sub Issue |
Threatened to take legal action
|
| Sub Product |
Other (i.e. phone, health club, etc.)
|
| Date Received |
2014-12-25
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2014-12-25
|
| Consumer Consent Provided |
N/A
|
|
|
8208315
|
2024-01-23
|
Fraud or scam
|
Money transfer, virtual currency, or money service
|
|
| Issue |
Fraud or scam
|
| Timely |
Yes
|
| Company |
Monterey Financial Services LLC
|
| Product |
Money transfer, virtual currency, or money service
|
| Sub Product |
Domestic (US) money transfer
|
| Date Received |
2024-01-23
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-01-23
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
Today XX/XX/2024 I noticed Monterey Financial Services transferred {$89.00} from our joint checking account. I did not authorize or consent to this transfer and neither did my husband. According to XXXX Monterey Financial Services took over an account I have in XXXX. I only recently learned of them because they showed up on my credit report and I filed a dispute which came back valid. I have never contacted them and they have not contacted me. I have reported this issue to my bank. They have started the dispute process and provided me with a claim number. I also contacted the Attorney General 's office. I will next be filing a complaint with the XXXX XXXX XXXX. I am appalled that debt collection agencies can find personal banking information and other information.
|
| Consumer Consent Provided |
Consent provided
|
|
|
7118349
|
2023-06-14
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Monterey Financial Services LLC
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Information belongs to someone else
|
| Sub Product |
Credit reporting
|
| Date Received |
2023-06-14
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-06-14
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
Consent not provided
|
|
|
6545027
|
2023-02-08
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Monterey Financial Services LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
Other debt
|
| Date Received |
2023-02-08
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-02-08
|
| Complaint What Happened |
I was solicited by a travel company ( XXXX XXXX XXXX ) that provided false claims regarding a wholesale travel membership that turned out to be fraudulent. I was told by this company if I didnt use the service, I would not have to pay for it. Once discovering it was a scam, I contacted the company to cancel the membership ( which according to my state law in XXXX have the right to do within three days ). When I was then told I could not cancel, I asked for a copy of all documents with our agreed upon terms. Monterey Financial has still not provided me any evidence of our original agreement indicated by my signature. As you can tell in the documents, the claimed time stamps simply say esigned with a timestamp and IP address that ( XXXX ) are replicated in multiple places ( which would be impossible to sign multiple pages at the exact same time ), ( XXXX ) timed at XXXX, and ( XXXX ) is not even my IP address ( I have attached documentation to verify this is not my IP address ). I was also originally told that the documents would be in XXXX, which i have an account in and would be able to view completed documents once signed. Once I addressed this concern, they then claimed they were mistaken in the signature collection software and it was some other software that was used. It is clear that the documents were altered and do not contain our agreed upon terms. After reporting the travel company for fraudulent practices, I have not heard from them after filing disputes. However, this company, Monterey Financial, has provided NO written notification about any attempt to dispute claimed debt.
|
| Consumer Consent Provided |
Consent provided
|
|
|
4588964
|
2021-07-30
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Tags |
Servicemember
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Monterey Financial Services LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt was result of identity theft
|
| Sub Product |
Other debt
|
| Date Received |
2021-07-30
|
| Submitted Via |
Web
|
| Company Response |
Closed with non-monetary relief
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-07-30
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
On XX/XX/XXXX, per Monterrey collections, someone opened an account using my email and debit card with a company called XXXX XXXX XXXX, XXXX. My debit card was charged {$160.00} which caught my eye. I contacted the company and was met with a rude agent that refused to give me any information. I informed the company this was not my account and to cancel the services. They said they have a 3 day cancellation policy and that I was liable for their services although no services were rendered to me and they refuse to send me what services or documentation I should be paying for. On XX/XX/XXXX, I was informed my account was in collections and that I had to pay. Again I requested information on the services that should have been afforded to me that I owed. To no avail, I was dismissed and harrassed daily. I asked not to be contacted by the company and they reported this account to the credit bureau and added additional fees. I reported this to my local authorities and sent them the police report. They told me I was responsible and they had nothing to say to me. I would like to report this consumer as a bully and trying to steal money from hard working people. I asked that they removed this account from my credit report and I would like to report them CFPB and publish my statement on consumerfinance.gov so that others would hopefully not be bullied by this company.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3279489
|
2019-06-18
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
| Issue |
Took or threatened to take negative or legal action
|
| Timely |
Yes
|
| Company |
Monterey Financial Services LLC
|
| Product |
Debt collection
|
| Sub Issue |
Threatened or suggested your credit would be damaged
|
| Sub Product |
Other debt
|
| Date Received |
2019-06-18
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-06-19
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
After seeing on my XXXX credit report that I had an outstanding balance of {$19000.00} through Monterey Collections, I called the collection company on/about XX/XX/XXXX. They did not have my social security number in the system or connected to any account. I had never received anything in the mail from the company. ( They told me that correspondence had been sent to ... my ex-mother-in-laws home which I never lived ). I told them this as well as the fact that my ex-husband is solely responsible for the XXXX timeshare. I have no paperwork, no information since our divorce in XXXX when he was awarded the XXXX and held solely responsibly via court documents for all payments with me being held indemnified and held harmless ( see section XXIV attached ). They told me I would still be responsible. I told them I had court documents stating otherwise. I went through XXXX to dispute and included my divorce decree in that documentation. The collection company still refused to delete from my credit report and instead added a note that it was a joint account with my ex-husband ( even though the court papers state I am not responsible for anything that was joint- he is ). After the fact, I contacted our state Attorney General 's office and was told that legally I am not responsible for any of it and they can not come after me in any way. It would not hold up in any court. I am going to file a case through our state 's Attorney General 's office as well. I need this deleted from my credit report and for them to not contact me about this in the future for any reason.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2723057
|
2017-11-07
|
Communication tactics
|
Debt collection
|
|
| Tags |
Servicemember
|
| Issue |
Communication tactics
|
| Timely |
Yes
|
| Company |
Monterey Financial Services LLC
|
| Product |
Debt collection
|
| Sub Issue |
You told them to stop contacting you, but they keep trying
|
| Sub Product |
Other debt
|
| Date Received |
2017-11-07
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2017-11-07
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
Consent not provided
|
|
|
3511319
|
2020-01-28
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Monterey Financial Services LLC
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Information belongs to someone else
|
| Sub Product |
Credit reporting
|
| Date Received |
2020-01-28
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-01-28
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
Consent not provided
|
|
|
2536114
|
2017-06-12
|
Dealing with your lender or servicer
|
Student loan
|
|
| Issue |
Dealing with your lender or servicer
|
| Timely |
Yes
|
| Company |
Monterey Financial Services LLC
|
| Product |
Student loan
|
| Sub Issue |
Don't agree with the fees charged
|
| Sub Product |
Federal student loan servicing
|
| Date Received |
2017-06-12
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2017-06-22
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
This was parent plus loan for my son. Someone kept calling and offering to consolidate my loan. I, contacted them the rep explained the way it would work so I did do everything on my phone i canceled the consolidation process. Loan, hero /Monterey sent ou t papers. I called them to inform them I had canceled the consolidation. She told me I would have to contact federal student which I did. He informed me I will have to pay the loan because I had 5 days to cancel. It 's not fair for me to be paying for a loan I have never received.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2380572
|
2017-03-09
|
Disclosure verification of debt
|
Debt collection
|
|
| Tags |
Servicemember
|
| Issue |
Disclosure verification of debt
|
| Timely |
Yes
|
| Company |
Monterey Financial Services LLC
|
| Product |
Debt collection
|
| Sub Issue |
Not given enough info to verify debt
|
| Sub Product |
Other (i.e. phone, health club, etc.)
|
| Date Received |
2017-03-09
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
Yes
|
| Date Sent To Company |
2017-03-09
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
I got a tub installed with XXXX sent numerous request emails, calls and faxes, begging them to come back and fix the pipe that is directly connected to the main line of the sewerage where sewerage bugs are continuing to come up from the tub. They gave me a discount on the tub due to the hot water heater was never installed as promised, but would never come back and complete the work I requested which was to fix the raw sewerage line where sewerage flies continue to come up from the drainage. I have emailed called, faxed and sent certified letters they advised that they would come and as of today 's date after waiting over a year no one has showed up and as of today 's date I have never received a response to my letters and faxes. I was then told that my account was in house so as soon as the work with the tub was completed I would pay XXXX as of today 's date after more than 50 calls, emailing their office and faxing them no one has showed up to fix anything. The tub does not have hot water and is not functional. It is a XXXX galloon water system that does not have the hot water installed also the flies are extremely disgusting. I am being billed for the amount of {$24.00}, XXXX for a tub that paperwork shows {$20000.00} billed one thing and paperwork says another. I can not pay for a tub that does not work. I am still waiting for them to fix it. I have asked them several times to fix the tub. They would act like someone will show up and then no one ever does. When I do call their company I keep either getting transferred or no one picks up it is extremely hard to get this company to repair their product or send anyone from their company to show up.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2420171
|
2017-04-05
|
Disclosure verification of debt
|
Debt collection
|
|
| Issue |
Disclosure verification of debt
|
| Timely |
Yes
|
| Company |
Monterey Financial Services LLC
|
| Product |
Debt collection
|
| Sub Issue |
Not given enough info to verify debt
|
| Sub Product |
Payday loan
|
| Date Received |
2017-04-05
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2017-04-05
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
I sent a letter of debt verification to Monterey Collections, XXXX, CA XXXX in XX/XX/2017. They sent me a letter stating that they will not send me verification of this debt.
|
| Consumer Consent Provided |
Consent provided
|
|
