|
11794676
|
2025-01-28
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Monterey Financial Services LLC
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Account information incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2025-01-28
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-28
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
Consent not provided
|
|
|
11691249
|
2025-01-23
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Monterey Financial Services LLC
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Account status incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2025-01-23
|
| Submitted Via |
Web
|
| Company Response |
Closed with non-monetary relief
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-23
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
Consent not provided
|
|
|
11804143
|
2025-01-28
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
Monterey Financial Services LLC
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2025-01-28
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-28
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
|
|
11618871
|
2025-01-20
|
Written notification about debt
|
Debt collection
|
|
| Tags |
Servicemember
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
Monterey Financial Services LLC
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive enough information to verify debt
|
| Sub Product |
Other debt
|
| Date Received |
2025-01-20
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-20
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
On XXXX XXXX XXXX i was writing the company to request verification of the debt they claim i own to XXXX XXXX XXXXXXXX XXXX XXXX I never receive nothing from them
|
| Consumer Consent Provided |
Consent provided
|
|
|
7374267
|
2023-08-10
|
False statements or representation
|
Debt collection
|
|
| Issue |
False statements or representation
|
| Timely |
Yes
|
| Company |
Monterey Financial Services LLC
|
| Product |
Debt collection
|
| Sub Issue |
Indicated you were committing crime by not paying debt
|
| Sub Product |
Private student loan debt
|
| Date Received |
2023-08-10
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-08-10
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
Consent not provided
|
|
|
7107091
|
2023-06-12
|
Charged fees or interest you didn't expect
|
Payday loan, title loan, or personal loan
|
|
| Issue |
Charged fees or interest you didn't expect
|
| Timely |
Yes
|
| Company |
Monterey Financial Services LLC
|
| Product |
Payday loan, title loan, or personal loan
|
| Sub Product |
Installment loan
|
| Date Received |
2023-06-12
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-07-19
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
The goods ' terms and delivery were very different, and the availability of the point of possession was way off.
|
| Consumer Consent Provided |
Consent provided
|
|
|
6302711
|
2022-12-09
|
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 |
2022-12-09
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-12-09
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
Consent not provided
|
|
|
5904596
|
2022-08-22
|
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 |
2022-08-22
|
| Submitted Via |
Web
|
| Company Response |
Closed with non-monetary relief
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-08-22
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
Monterey Collections is attempting to collect on an alleged debt that don't own and are furnishing information without my consent. They alleged debt 's original creditor is XXXX XXXX XXXX and the debt can not be transferred, pursuant to UCC 9-109 ( d ) ( 5 ). Monterey Collections was put on notice XX/XX/2022 to no longer furnish information on this account and have refused.
|
| Consumer Consent Provided |
Consent provided
|
|
|
6014910
|
2022-09-25
|
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 |
2022-09-25
|
| Submitted Via |
Web
|
| Company Response |
Closed with non-monetary relief
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-09-25
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
I never bought a service from XXXX, especially in XXXX XXXX, that I have never been to. When I disputed the debt with the collection agency, they only sent me the amount owed and a notarized letter without my information or signature anywhere. The only information that appears from me is my name with an old address and nothing else. This debt is not mine.
|
| Consumer Consent Provided |
Consent provided
|
|
|
5994438
|
2022-09-19
|
Charged fees or interest you didn't expect
|
Payday loan, title loan, or personal loan
|
|
| Issue |
Charged fees or interest you didn't expect
|
| Timely |
Yes
|
| Company |
Monterey Financial Services LLC
|
| Product |
Payday loan, title loan, or personal loan
|
| Sub Product |
Installment loan
|
| Date Received |
2022-09-19
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-09-19
|
| Company Public Response |
Company believes complaint caused principally by actions of third party outside the control or direction of the company
|
| Complaint What Happened |
I am reaching out to the CFBP because I believe I have been unfairly taken advantage of on what I believed was a fair deal on a pay to own item promoted which included a " 90-Day Satisfaction Guarantee Buy Option '' from XXXX. On XX/XX/2022 I reached out to XXXX customer support and spoke with a XXXX to pay off my balance ( {$630.00} ) since my first payment was completed on XX/XX/2022 for {$110.00}. I was told the finance department was in a meeting a they would call back, however I never received a call. I reached back again to XXXX on XX/XX/2022 and spoke with XXXX ( www.montereyfinancial.com ) who advised mypayoff was XXXX XXXX and this was due to my 30 grace period ending. I advised of my contract " see attached '' I had a 90 Satisfaction to pay off a different amount of XXXX and I already made a payment off XXXX. I have forwarded my contract to their support XXXX XXXX XXXX however never received a call back. I have since made my payment to the amount I believed owed {$610.00} in good faith. Although I worry this is an unfair tactic to misdirect customers. I am hopeful this gets resolved quickly.
|
| Consumer Consent Provided |
Consent provided
|
|
|
7077221
|
2023-06-07
|
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 |
2023-06-07
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-07-17
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
During my trip to Hawaii, someone stole my book bag from my rental car. I have attached a police report to support my claim. I discovered that an account had been opened in my name with a company called XXXX XXXX XXXX XXXX, which uses Monterey Collection Services to manage their collection accounts. I contacted them to inform them that this account was not mine and requested its removal from my credit report.
The company informed me that they had reached out to me once and that I had set up a payment plan. However, I must have been extremely busy at that time and confused it with something else. It wasn't until I noticed the account on my credit report that I reached out to them and discovered its true nature. I explained that this account was not mine and provided them with the police report as evidence. Unfortunately, they did not remove the account despite my efforts.
Later on, I found another document that indicated the contract they had in place should have been voided. This document, which I have attached, was signed after they initiated the contract. Despite presenting this evidence to the company, they continued to report the account on my credit file.
I have tried multiple times to dispute this issue with the credit reporting agency, but they have not removed the account. Furthermore, the company has been unable to provide any evidence of my usage of the account and has not produced any documents that support the cancellation of the contract.
In summary, my book bag was stolen in Hawaii, and as a result, an unauthorized account was opened in my name. Despite providing a police report and evidence of a voided contract, the company has refused to remove the account from my credit report, and the credit reporting agency has been unresponsive to my disputes.
|
| Consumer Consent Provided |
Consent provided
|
|
|
5865309
|
2022-08-11
|
Incorrect information on your report
|
Payday loan, title loan, or personal loan
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Monterey Financial Services LLC
|
| Product |
Payday loan, title loan, or personal loan
|
| Sub Issue |
Account status incorrect
|
| Sub Product |
Installment loan
|
| Date Received |
2022-08-11
|
| Submitted Via |
Web
|
| Company Response |
Closed with non-monetary relief
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-08-11
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
I have tried several times to speak with them and they at one point would not speak to me because I advised I was going to contact a lawyer because there calls were more harassment than anything. I use their online system to pay this account as well as to set up the payment plans that they offered for hardship. Have made those payments and over those payments and because they called me and I cussed the rep out and told him I will file bankruptcy now it's showing 120 days late on my credit when it is not. I have tried calling and they seem to have an axe to grind and refuse to correct my credit report or the account but continue to call and harass me about payments
|
| Consumer Consent Provided |
Consent provided
|
|
|
5638599
|
2022-06-06
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
| Tags |
Servicemember
|
| 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 |
2022-06-06
|
| Submitted Via |
Web
|
| Company Response |
Closed with non-monetary relief
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-06-06
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
Receive a collection letter dated XX/XX/2022.
Letter states as of XX/XX/2022 debt owed was {$1000.00} They also say that is paid after XX/XX/2022 they would want an additional {$350.00} as their collection fee.
Debt was paid in full to the original creditor on XX/XX/2022.
I have receipt and shared it with collection agency and talked to them several times. I told them if they put anything on my credit report I would seek action. They damaged my credit by putting this on my credit report. I am currently trying to purchase a house.
|
| Consumer Consent Provided |
Consent provided
|
|
|
5262081
|
2022-02-25
|
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 |
I do not know
|
| Date Received |
2022-02-25
|
| Submitted Via |
Web
|
| Company Response |
Closed with non-monetary relief
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-02-25
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
On XX/XX/XXXX, I received an email from my credit monitoring service. It informed me that my credit score had dropped a tremendous amount of points. I logged on and found that MONTEREY COLLECTION SERVICES had illegally posted an alleged collection account to my credit profile. Prior to the email, I have never heard of nor had an account with this company. My report shows that it is an open account and was opened on XX/XX/XXXX with a balance of {$3600.00}. I had no knowledge of this company, nor this alleged debt. I have never had any dealings with this company. By federal law, a debt collector is supposed to make contact with an alleged debtor and give them 30 days to validate or dispute. I never receive a letter in the mail that gave me 30 days to validate or dispute this account. I never received a letter stating that I have an alleged debt with this company and owe a balance on that account. Again, I have absolutely no knowledge of this account with them. I understand that, under the FDCPA guidelines for collection agencies, they have to provide ( 1 ) proof that they are the original holder of this debt and can legally hold me responsible for paying this debt and ( 2 ) contractual proof of obligation or an assignment SIGNED from an officer from the original creditors corporation that I am supposed to pay them. 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) grants me the right to request validation of this alleged debt they say I owe. I did not receive notice of right to dispute, nor did I receive enough information to verify that the alleged debt belonged to me. If I would have gotten anything in the mail or phone call from this company before they illegally reported to my credit report, I would have respectfully requested evidence that I am the person they are asking to pay this debt and a contractual obligation that legally binds me to pay them this debt. Upon them receiving my validation letter, they would have to legally cease from collection calls, letters, and efforts and delete the account from my credit files until they can validate this debt. But again, I never received such a letter about this account or phone call ever in the mail. They have illegally posted and reported to my credit file without adhering to the FDCPA laws. Im not sure if this company is a scam, but I know that this company has broken FCRA and FDCPA laws by reporting an alleged account to my credit report without informing me through mail or phone and I did not receive notice of right to dispute nor did I receive enough information to verify that the alleged debt belonged to me. My credit score has dropped tremendously in the middle of purchasing a home. Please help me get his account removed immediately. I'm preparing to sue under the FCRA and FDCPA because of the damages to my credit and opportunity costs with the purchase of my home and business ventures that have to be delayed until this illegal account is removed. MONTEREY COLL SVC XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
|
| Consumer Consent Provided |
Consent provided
|
|
|
11072300
|
2024-12-08
|
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 to arrest you or take you to jail if you do not pay
|
| Sub Product |
I do not know
|
| Date Received |
2024-12-08
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-08
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
Consent not provided
|
|
|
5387520
|
2022-03-30
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Tags |
Older American
|
| 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 |
Account information incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2022-03-30
|
| Submitted Via |
Web
|
| Company Response |
Closed with non-monetary relief
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-03-30
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
First of all, I have three companies ( Monterey financial services, XXXX and XXXX XXXX ) writing, emailing and call me for the same account. Each of them have different account numbers but Monterey financial services have me list on the credit bureaus as being late. I called XXXX XXXX who I was making payments to about my account they told me they do not put anyone on the credit bureau. I asked them then who is Monterey financial services. I called them and I was switched to the collection department. i asked why did they put me on the credit bureau and they said I missed a payment. I never missed a payment to XXXX XXXXt but they said I missed in XX/XX/2021 which the payments were taken out automatic each month. I called my credit card company and they said a payment was never taken out but two payments were taken out the following month. I offered to pay this account out full if they would remove the information from my credit because it was not my fault and I don't know who Monterey financial is and they have report inaccurate information to the credit bureau. they said they could not remove it and they would file a dispute and get back with me. No-one from that company did not get back with me and they continued to call, email and harass me along with the other two companies.. I wrote three letters to Monterey financial and they have not responded to any of them. They have continued to ruin my credit reporting late payments inaccurate information and they have not prove the account is mine which is information I requested..
|
| Consumer Consent Provided |
Consent provided
|
|
|
10897465
|
2024-11-22
|
Communication tactics
|
Debt collection
|
|
| 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 |
2024-11-22
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-02
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
Keeps calling from random phone numbers and wont stop trying to make contact
|
| Consumer Consent Provided |
Consent provided
|
|
|
11019217
|
2024-12-04
|
Credit monitoring or identity theft protection services
|
Payday loan, title loan, personal loan, or advance loan
|
|
| Issue |
Credit monitoring or identity theft protection services
|
| Timely |
Yes
|
| Company |
Monterey Financial Services LLC
|
| Product |
Payday loan, title loan, personal loan, or advance loan
|
| Sub Issue |
Didn't receive services that were advertised
|
| Sub Product |
Installment loan
|
| Date Received |
2024-12-04
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-04
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
A company by the name of XXXX XXXX XXXX posed as tax attorney 's stating they could and would XXXX the back taxes I own to the IRS. This company has been identified as a tax relief scam. XXXX XXXX XXXX gave a contract I signed to pay them XXXX to a company called Monterey Financial Services LLC. I then realized that this was a tax relief scam. I called the IRS and they said no one has contacted them to help XXXX my tax. I still owe the IRS money and now this company want 's me to pay them XXXX for services not given. I understand I can't submit a complaint for XXXX XXXX XXXX but I am submitting this for the company Monterey Financial Services LLC. The credit bureau 's require me to submit this in order to submit a dispute with them.
Here is the contact information for both companies : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX ( XXXX ) XXXX Monterey Financial Services, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, CA XXXX XXXX XXXX ( XXXX ) XXXX
|
| Consumer Consent Provided |
Consent provided
|
|
|
3879231
|
2020-10-03
|
Charged fees or interest you didn't expect
|
Payday loan, title loan, or personal loan
|
|
| Tags |
Servicemember
|
| Issue |
Charged fees or interest you didn't expect
|
| Timely |
Yes
|
| Company |
Monterey Financial Services LLC
|
| Product |
Payday loan, title loan, or personal loan
|
| Sub Product |
Installment loan
|
| Date Received |
2020-10-03
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-10-07
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
XXXX is in the business of financing guns from various gun shops, manufacturers and other companies that sell guns. I financed a gun with XXXX and have been making payments now for almost a year and the principal balance has only decreased by approximately {$300.00} and my monthly payment is {$140.00}. I have come to realize that XXXX has taken me for a good ride with their extremely high interest that they charge on these loans. After this loan on the initial amount of approximately {$1400.00} when all said and done I will have paid double the price of this weapon and this is wrong!
After realizing how this company is ripping off me and thousands of other people who get financing with XXXX I want to bring this to light to the CFPB and to alert the population on this awful business practice. Thank You!
|
| Consumer Consent Provided |
Consent provided
|
|
|
3909848
|
2020-10-20
|
Charged fees or interest you didn't expect
|
Payday loan, title loan, or personal loan
|
|
| Tags |
Servicemember
|
| Issue |
Charged fees or interest you didn't expect
|
| Timely |
Yes
|
| Company |
Monterey Financial Services LLC
|
| Product |
Payday loan, title loan, or personal loan
|
| Sub Product |
Installment loan
|
| Date Received |
2020-10-20
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-10-21
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
XX/XX/2020 Loan Company Credova Financial LLC, ( online loan application sent for approval. Came back approved for XXXX take to the store for your purchase of product ).
Online/Credit Report states : Monterey Financial Services Got inside the desk clerk stated said that yes you are approved I said I wanted to put XXXX down so I will not have to pay a lot of money on the loan because I don't have a job. Cordova do not ask you about employment information only bank account information that is how you get approval. When I called Cordova to talk and explain to them they hold on let me get you over to Monterey. I explained to them but I filled out the online application with Cordova. It looks like Cordova is the cover for Monterey Financial somehow. The Consumer reviews list 135 reviews with a 1 star with the same issue they fill out loan with Cordova then they come back with leasing information when we ask for a loan not leasing. I called and tried to explained that I did not have job that was money I was saving up and wanted to help local stores and my XXXX by losing XXXX family members due to XXXX the lady responded well you should have thought about that before you used it on a puppy. She did not hear me say that I was elderly and needed a companion.
XXXX XXXX XXXX XXXXXXXX XXXX XXXX for XXXX XXXX DOB XX/XX/2020 believed to be a toy but puppy is already out of toy range will be full grown Yorkie. Price XXXX+puppy pack150+taxes XXXX. If I want to buy the puppy out right XXXX XXXX +applicable fees or taxes.
|
| Consumer Consent Provided |
Consent provided
|
|
|
10868835
|
2024-11-20
|
Other features, terms, or problems
|
Credit card
|
|
| Issue |
Other features, terms, or problems
|
| Timely |
Yes
|
| Company |
Monterey Financial Services LLC
|
| Product |
Credit card
|
| Sub Issue |
Privacy issues
|
| Sub Product |
Store credit card
|
| Date Received |
2024-11-20
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-11-20
|
| Complaint What Happened |
MONTEREY COLLECTION SV XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX NOTICE OF DISPUTE ; VALIDATION AND PROOF OF CLAIM HAS BEEN REJECTED Exercising My Right to Opt out To Whom it May Concern Your company Monterey Collection is illegally trying to collect and is furnishing false items that violates my consumer rights the FDCPA and FCRA. Be advised that your claim is disputed. Debt validation has to be provided in accordance with the Fair Debt Collection Practices Act. In your response your statement is that Monterey, as the assignee in this matter, is not subject to the Fair Debt Collection Practices Act ( FDCPA ) But on your website your company says.
The Federal Trade Commission ( FTC ), a consumer protection agency, enforces the Fair Debt Collection Practices Act ( FDCPA ), Unfair Deceptive or Abusive Acts or Practices ( UDAAP ) and several more.
You are fully aware of the law but instead says you dont have to follow it? Be advised that your claims of validation have been rejected, you are in fact too a debt collector and are subject to Fair Debt Collection Practices Act ( FDCPA ).
15 U.S. Code 1692a - Definitions ( 6 ) The term debt collector means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. Notwithstanding the exclusion provided by clause ( F ) of the last sentence of this paragraph, the term includes any creditor who, in the process of collecting his own debts, uses any name other than his own which would indicate that a third person is collecting or attempting to collect such debts.
Your company has to provide illegal proof I have legal obligations to pay this alleged debt. Your company explained in response via CFPB says quote your company is an assignee and was assigned to collect this debt.
15 U.S. Code 1692e - False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt.
Even though you sent a dunning letter, it still dont mean you have legal obligation.
12 CFR 1006.38 - Disputes and requests for original-creditor information.
( d ) Disputes ( 1 ) Failure to dispute. The failure of a consumer to dispute the validity of a debt does not constitute a legal admission of liability by the consumer.
|
| Consumer Consent Provided |
Consent provided
|
|
|
10980987
|
2024-11-30
|
False statements or representation
|
Debt collection
|
|
| Issue |
False statements or representation
|
| Timely |
Yes
|
| Company |
Monterey Financial Services LLC
|
| Product |
Debt collection
|
| Sub Issue |
Attempted to collect wrong amount
|
| Sub Product |
I do not know
|
| Date Received |
2024-11-30
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-11-30
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
Consent not provided
|
|
|
10887881
|
2024-11-21
|
Problem with a company's investigation into an existing problem
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Problem with a company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
Monterey Financial Services LLC
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Their investigation did not fix an error on your report
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-11-21
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-11-21
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
Consent not provided
|
|
|
2861777
|
2018-04-02
|
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 was already discharged in bankruptcy and is no longer owed
|
| Sub Product |
Other debt
|
| Date Received |
2018-04-02
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-04-09
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
This account was included in the BK filed in 2017. After multiple letters to XXXX and the company, they are still showing the amount of XXXX. Please delete or update account with proper XXXX balance.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2480431
|
2017-05-09
|
Problem with a lender or other company charging your account
|
Checking or savings account
|
|
| Issue |
Problem with a lender or other company charging your account
|
| Timely |
Yes
|
| Company |
Monterey Financial Services LLC
|
| Product |
Checking or savings account
|
| Sub Issue |
Transaction was not authorized
|
| Sub Product |
Checking account
|
| Date Received |
2017-05-09
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2017-05-11
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
On line purchase from XXXX XXXX purchase XXXX / 17 Charge to my XXXX XXXX {$63.00} This amount included {$19.00} for 30 tr ial P & H cha rge of {$29.00} tax {$13.00} The cancellation for the item was placed on the XXXX /17 XXXX XXXX received their product back at the XXXX GA location XXXX /2017 XXXX XXXX I was billed twice to my checking account XXXX /2017 and again X/X/ 2017 in the amount of XXXX . I have spoken to XXXX XXXX and their finance Company Monterey Finanical over a ( 2 ) month time frame without resolve. Illegally charged without my written express permission.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3037688
|
2018-10-04
|
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 |
I do not know
|
| Date Received |
2018-10-04
|
| Submitted Via |
Postal mail
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-10-04
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
N/A
|
|
|
2352490
|
2017-02-20
|
Disclosure verification of debt
|
Debt collection
|
|
| 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 |
Other (i.e. phone, health club, etc.)
|
| Date Received |
2017-02-20
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2017-02-20
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
went to a XXXX presentation found out was a scam tried to cancel with in the 30 day period XXXX office disconnected there phone and doors were closed we tried multiple times to get Monterey financial to cancel but keep telling me to get a letter from a company that left for good we did write letters and it was returned we told Monterey all this and there are still threating us to pay for this scam that they refuse to cancel
|
| Consumer Consent Provided |
Consent provided
|
|
|
10876813
|
2024-11-19
|
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 was result of identity theft
|
| Sub Product |
I do not know
|
| Date Received |
2024-11-19
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-11-19
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
I was a victim of identity Theft. Someone has used my personal information to fraudulently to open accounts using my social security number and my identification. This situation at the end of last year XXXX in XXXX. I request the following information be removed from my credit report. As per the Fair Credit Reporting Act 15 USC section 1681c-2 ( Blocking of information resulting from Identity theft 605B, I demand this item be blocked and removed from my credit report. I have been fighting for the las 11 months, sent police reports and multiple letters with those reports to XXXX and every time these people change the balance owed and the account still shows hurting my credit report. I am in the middle of refinancing my house and I have not bein able to because they keep on reporting this debt on my file. Here is the name and the amount they claim I owe them : MONTEREY COLLECTION SV ( Original Creditor : XXXX XXXX XXXX XXXX ) Acct # : XXXX Balance : {$43000.00} According to what the FRCA XXXX the credit bureau and the creditor have XXXX business days to remove this from my credit report from the receipt of my initial dispute and since XX/XX/XXXX of this year still they have not taken it out. I am very frustrated with this because I am supposed to be protected by this Law and yet I am here risking losing my house because I am not able to refinance the existing loan which is impossible to pay monthly.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2194566
|
2016-11-03
|
Communication tactics
|
Debt collection
|
|
| Tags |
Older American
|
| Issue |
Communication tactics
|
| Timely |
Yes
|
| Company |
Monterey Financial Services LLC
|
| Product |
Debt collection
|
| Sub Issue |
Frequent or repeated calls
|
| Sub Product |
Other (i.e. phone, health club, etc.)
|
| Date Received |
2016-11-03
|
| Submitted Via |
Postal mail
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-11-26
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
N/A
|
|
|
2187774
|
2016-10-31
|
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 |
2016-10-31
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-11-26
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
I had a loan with Monterey Financial Services, LLC. The loan was paid in full with no late payments approximately 4 months ago. Monterey Financial Services, LLC has failed to report the loan to all XXXX mayor credit bureau and failed to report the account is closed and paid in full.
|
| Consumer Consent Provided |
Consent provided
|
|
|
1299759
|
2015-03-25
|
Managing the loan or lease
|
Consumer Loan
|
|
| Issue |
Managing the loan or lease
|
| Timely |
Yes
|
| Company |
Monterey Financial Services LLC
|
| Product |
Consumer Loan
|
| Sub Product |
Installment loan
|
| Date Received |
2015-03-25
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
Yes
|
| Date Sent To Company |
2015-03-31
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
To Whom It May Concern : I am formally filing a complaint against Monterey Financial Services for XXXX actions that violate my rights as a consumer and fair debt collections practices acts ( FDCPA ). Monterey Financial Services has provided false statements to XXXX and XXXX trying to collect debt by misrepresentation the amount I owe. XXXX has both regular account and a collections account while XXXX only has the regular account. The amounts stated were to be principal and interest but later were told that collections fees were involved.
Second, Monterey gave false credit information to the credit reporting companies about their collections and amounts paid. How did XXXX come up with a balance owed {$5200.00} on XXXX XXXX, XXXX? That is what XXXX states in my credit report.
Third, Monterey is charging fees of {$20.00} per month, late fees, interest and other collection fees that I have asked for in writing but Monterey refused to provide. My contract does n't allow for them to collect collections fees, a {$20.00} per month other fee, and interest on top of everything else. This is a breach of contract and therefore Monterey should have to pay for failures.
I have attached letters written by myself on different occasions to get the necessary explanation for the charges. I have attached a copy of the agreement along with how Monterey applied my payments. I have asked repeatedly for an account analysis and summary. However, Monterey has refused to provide such analysis and understanding of the charges and fees.
I have paid {$200.00} per month from XXXX XXXX through XXXX XXXX which is not shown to any of the credit bureaus and should be reflected. As of XXXX XXXX I will not be paying anymore payments to Monterey since Monterey has breached their fiduciary duties as mentioned above. I have consulted with an attorney, credit specialist and I performed my own research about Monterey 's practices and behaviors to conduct this thought out letter and analysis.
Thank you for your time and I look forward to your review and analysis in the next 30 days.
|
| Consumer Consent Provided |
Consent provided
|
|
