|
10476209
|
2024-10-16
|
Advertising and marketing, including promotional offers
|
Credit card
|
|
| Issue |
Advertising and marketing, including promotional offers
|
| Timely |
Yes
|
| Company |
Monterey Financial Services LLC
|
| Product |
Credit card
|
| Sub Issue |
Confusing or misleading advertising about the credit card
|
| Sub Product |
Store credit card
|
| Date Received |
2024-10-16
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-10-16
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
Hello, I made a purchase from an online retailer. They had an offer to " buy now pay later '' 90 days same as cash through XXXX who contracts with Monterey Financial Services LLC. Monthly payment plan was established. I realized they did not set up the monthly payments to payoff in 90 days. Tried to pay off online and was not able to without additional fee. Called to talked to them in person to pay off and talked to XXXX. Had to make a payment in full including penalties and interest at 99.23 %. Seems that this type of financing is misleading to the consumer. And the extra fees for setting up recurring payments and making extra payments seem unfair practice. I am wondering if there is anything to help me as a consumer to have these fees and interest returned. I called to make the final payment 10 days after the 90 day term. The account is through Monterey Financial Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| Consumer Consent Provided |
Consent provided
|
|
|
2788300
|
2018-01-19
|
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 |
Other debt
|
| Date Received |
2018-01-19
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-01-19
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
Monterey Financial Services aka XXXX XXXX is reporting that I owe them 2 different amounts on my credit reports ; one in the amount of {$2200.00} that they stated was closed on XX/XX/XXXX, and one for {$4100.00} they state was closed on XX/XX/XXXX.
The payments I made from my XXXX Account are as follows : XX/XX/XXXX {$100.00} XXXX XXXX XXXX CA XX/XX/XXXX {$100.00} XXXX XXXX XXXX CA XX/XX/XXXX {$100.00} XXXX XXXX XXXX CA XX/XX/XXXX {$100.00} XXXX XXXX XXXX CA XX/XX/XXXX {$100.00} XXXX XXXX XXXX CA XX/XX/XXXX {$100.00} XXXX XXXX XXXX CA XX/XX/XXXX {$100.00} XXXX XXXX XXXX CA XX/XX/XXXX {$600.00} XXXX XXXX XXXX CA XX/XX/XXXX {$100.00} XXXX XXXX XXXX CA XX/XX/XXXX {$120.00} XXXX XXXX XXXX CA XX/XX/XXXX {$92.00} XXXX XXXX XXXX CA XXXX {$100.00} XXXX XXXX XXXX CAXX/XX/XXXX {$170.00} XXXX XXXX XXXX CA XXXX {$83.00} XXXX XXXX XXXX CA XXXX XXXX did not inform me they had closed my account and opened another account. When I talked to them in XX/XX/XXXXI explained my situation. They told me I could make a balloon payment which is what I did on XX/XX/XXXX.
Additionally, XXXX XXXX stated in my credit reports that my account ( which I never opened ) for {$4100.00} was closed on XX/XX/XXXX. XXXX XXXX called me today ( XX/XX/XXXX ) and told me they needed a payment of {$4100.00} today or they were taking legal action. When I explained to the CSR that I had filed a complaint and would copy her on the complaint, she told me that she was notating in my account that I refused to provide her with information.
|
| Consumer Consent Provided |
Consent provided
|
|
|
1987061
|
2016-06-27
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Tags |
Older American
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
Yes
|
| Company |
Monterey Financial Services LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not mine
|
| Sub Product |
Medical
|
| Date Received |
2016-06-27
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
Yes
|
| Date Sent To Company |
2016-06-27
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
I had XXXX XX/XX/XXXX and the XXXX, XXXX, XXXX, though agreeing to take Medicare insurance, has sent an invoice dated XXXX/XXXX/XXXX for collection. I have repeatedly asked the collection agency for certain information and explained the insurance and included a letter from the Doctor detailing XXXX contractural obligation and repeated abuse by XXXX. I have not received answers to my specific questions to the collection agency.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2707131
|
2017-10-20
|
Problem with a credit reporting company's investigation into an existing problem
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Tags |
Servicemember
|
| Issue |
Problem with a credit reporting company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
Monterey Financial Services LLC
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Their investigation did not fix an error on your report
|
| Sub Product |
Credit reporting
|
| Date Received |
2017-10-20
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2017-10-20
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
I took took a medical loan through Monterey Financial Services ( MFS ) approximately in XXXX of XXXX. The total loan was for {$2200.00}. The payments that I can currently prove I made to XXXX {$1900.00}.
XXXX is illegally reporting my loan information. XXXX has XXXX entry on my credit report stating that my last last payment made on the account was XXXX/XXXX/XXXX. I made the following payments after XXXX : Date Amount Transaction Description XXXX/XXXX/XXXX {$100.00} XXXX XXXX XXXX CA XXXX/XXXX/XXXX {$100.00} XXXX XXXX XXXX CA XXXX/XXXX/XXXX {$100.00} XXXX XXXX XXXX CA XXXX/XXXX/XXXX {$100.00} XXXX XXXX XXXX CA XXXX/XXXX/XXXX {$100.00} XXXX XXXX XXXX CA XXXX/XXXX/XXXX {$100.00} XXXX XXXX XXXX CA XXXX/XXXX/XXXX {$100.00} XXXX XXXX XXXX CA XXXX/XXXX/XXXX {$600.00} XXXX XXXX XXXX CA XXXX/XXXX/XXXX {$100.00} XXXX XXXX XXXX CA XXXX/XXXX/XXXX {$120.00} XXXX XXXX XXXX CA *I believe I made XXXX additional payments between XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, but waiting for credit card statements.
XXXX illegally added a second untrue, derogatory entry to my report stating that I have an additional collection account with a past due amount of {$4200.00}. XXXX further stated that I was placed in collections on XXXX/XXXX/XXXX due to non payment.
Both of the entries XXXX made on my credit report are inaccurate and fraudulent. I have tried to fix this issue with XXXX over the phone, in writing and most recently through XXXX, with no resolution.
As a result of XXXX fraudulent entries on my credit report, I was denied a job working at XXXX Technology that required XXXX XXXX XXXX. I will be able to obtain an Affidavit from the hiring XXXX, where she specifically called out XXXX ' derogatory entries.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2244577
|
2016-12-11
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
Yes
|
| Company |
Monterey Financial Services LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt was paid
|
| Sub Product |
Other (i.e. phone, health club, etc.)
|
| Date Received |
2016-12-11
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-12-11
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
We were scammed by a timeshare in XXXX. Most of what we were told during the presentation has proven to be false. The timeshare has been paid off and we have tried unsuccessfully for years to cancel our membership with XXXX and they refuse to cancel. We have also tried to sell or transfer membership to escape escalating yearly fees without success. We stopped paying the yearly maintenance fees in hopes that XXXX would cancel or terminate our membership but instead turned us over to Monterey Collections. Research showed some timeshares allow to " surrender '' membership but XXXX said they would not send a " surrender packet '' or discuss anything about the account until the past due amount and penalties of {$2200.00} was paid. It is also highly likely " Surrender '' is another Scam. XXXX used lies, deceit and unlimited alcohol to entice victims into a contract that they can not escape from. We have attempted to negotiate, they refuse.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2571922
|
2017-07-12
|
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 |
I do not know
|
| Date Received |
2017-07-12
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2017-07-12
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
The first time I contacted Monterey Financial Services LLC was when a collection/derogatory mark was placed on my credit report in XX/XX/XXXX and they are reporting it as an account that was opened XX/XX/XXXX. I explained to them that I am a victim of fraud and that this is exactly the way my identity is being used, online and with addresses and emails that I am not associated with. They said they would not assist me, that I must " deal with '' the 3 credit bureaus. I requested a copy of my file and they sent me a copy of the application and an electronic signature dated XX/XX/XXXX.
|
| Consumer Consent Provided |
Consent provided
|
|
|
10659408
|
2024-11-01
|
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 |
2024-11-01
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-11-01
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
Consent not provided
|
|
|
1934014
|
2016-05-20
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Tags |
Older American
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
Yes
|
| Company |
Monterey Financial Services LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not mine
|
| Sub Product |
Medical
|
| Date Received |
2016-05-20
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-05-20
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
In 2014 my doctor requested that I receive a screening from a company called XXXX XXXX XXXX ( XXXX ) The marketing material provided there would be no cost to me as the patient if my insurance company did not pay the bill. Subsequently, XXXX was found in violation of the Fair Claims Act by attempting to defraud insurance companies and Medicare, and by providing kick-backs to prescribing doctors.They were forced to pay millions in fines and were forced into bankruptcy.
A week ago I was contacted by XXXX XXXX, a representative of Monterey Financial Services, XXXX XXXX XXXX, XXXX, CA XXXX demanding repayment of charges amounting to {$3700.00}. I have disputed the claim, but fear the company will continue to harass me concerning this. In addition, they are certainly going after many others. I believe this is a clear violation of several laws, including the Fair Debt Collection Act, and would appreciate any assistance you might be able to provide.
|
| Consumer Consent Provided |
Consent provided
|
|
|
6639891
|
2023-03-02
|
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 is not yours
|
| Sub Product |
Other debt
|
| Date Received |
2023-03-02
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-03-27
|
| Complaint What Happened |
XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$11000.00} Balance updated XX/XX/2023 Original balance {$7800.00} This is a fraudulent account in my name. I have disputed this account online, Over the phone repeatedly. I've asked for this to be removed as it is not mine and is causing my credit to be bad and has been for years now. It affects my housing and my financial needs .I need this removed. It is not fair I have this debt on my credit considering its not mine. I have no knowledge of this. The balance due keeps going up and my credit keeps going down.
Name XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone number ( XXXX ) XXXX
|
| Consumer Consent Provided |
Consent provided
|
|
|
5755980
|
2022-07-11
|
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 |
2022-07-11
|
| Submitted Via |
Phone
|
| Company Response |
Closed with non-monetary relief
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-08-08
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Consumer Consent Provided |
N/A
|
|
|
1154319
|
2014-12-12
|
Loan servicing, payments, escrow account
|
Mortgage
|
|
| Issue |
Loan servicing, payments, escrow account
|
| Timely |
Yes
|
| Company |
Monterey Financial Services LLC
|
| Product |
Mortgage
|
| Sub Product |
Other mortgage
|
| Date Received |
2014-12-12
|
| Submitted Via |
Referral
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2014-12-15
|
| Consumer Consent Provided |
N/A
|
|
|
6224091
|
2022-11-19
|
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 |
2022-11-19
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-11-19
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
Monterey Financial services pulled my credit without having an SSA 89 from me. they did the same to my wife as well. The SSA 89 is to prevent the misuse of anyone 's social security numbers and is only good for one use and expires after 90 days from date signed and pulling without one on file constitutes as identify theft.
|
| Consumer Consent Provided |
Consent provided
|
|
