| 03/19/2021 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
Servicemember |
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In addition to the below complaint I also have attached Attached exhibits and Affidavit I am a Consumer and Natural Person as defined by 15 U.S. Code 1692a ( 3 ) and is afforded certain Consumer Protections under Federal Law.
I am competent to state the matters set forth herein.
I have first-hand knowledge of the facts stated herein.
All the facts stated herein are true, correct, and admissible as evidence.
If called upon as a witness I will testify to the truthfulness of the facts stated herein.
I have never created a debt with Monterey Collections.
I do not owe Monterey Collections any money.
Monterey Collections has failed to provide any documentation support their right to collect a debt from me or the authenticate any debt that is owed to them by me.
I received a letter from Monterey Collections aka Monterey Financial Services LLC purporting to be a Collection Agency attempting to collect a consumer debt on behalf of XXXX XXXX from me dated XX/XX/XXXX ( EXHIBIT 1 ).
I have never heard of or been involved in any business transactions with Monterey Collections.
I responded to Monterey Collections by submitting a debt validation letter dated XX/XX/XXXX ( EXHIBIT 2 ) via XXXX certified mail.
I requested the following reasonable documents to validate and prove that Monterey Collections has both the legal right to collect a debt from me and that the alleged debt belongs to me and is accurate : a. Any contract or agreements between me and Monterey Collections creating an alleged debt.
b. Any contract or agreement between Monterey Collections and the alleged original creditor authorizing a debt to be collected from me.
c. Any certified documents of reassignment between Monterey Collections and the alleged original creditor that authorizes the legal collection of any debt from me d. An itemized statement from the alleged original creditor that a debt is owed by me for an alleged business transaction to include ( 1 ) the charge-off balance and itemized principal, interest, charges and fees ; ( 2 ) itemized post charge-off interest, charges and fees ; and ( 3 ) a description of the debtors obligation to pay.
e. A signed contract between me and the alleged original creditor bearing the signature proving a legal and binding contract actually exist.
f. A copy of Monterey Collections business license issued by the City of Chicago that is required of any debt collection agency attempting to collect a debt on Chicago residents effective XX/XX/XXXX as defined by XXXX of the Chicago Municipal Code.
The request for validation letter was received by Monterey Financial Services LLC on XX/XX/XXXX under XXXX certified mail # XXXX ( EXHIBIT 3 ).
Monterey Collections responded with a letter dated XX/XX/XXXX ( EXHIBIT 4 ) attaching a copy of an alleged contract from XXXX XXXX containing a Truth in Lending disclosure ( EXHIBIT 5 ) and a copy of a alleged Loan Summary from XXXX XXXX ( EXHIBIT 6 ). Ignoring the request for the remainder of the reasonable documents requested by the Consumer as part of the debt validation process.
I ( the Consumer ) then submitted a second letter dated XX/XX/XXXX ( EXHIBIT 7 ) requesting the remainder of the documents I required to validate the alleged debt via XXXX certified mail # XXXX ( EXHIBIT 8 ).
The second request for validation/verification documents were received by Monterey Collection on XX/XX/XXXX at XXXX.
Monterey Collections responded to me with a letter dated XX/XX/XXXX ( EXHIBIT 8A ) attaching a copy of an alleged contract from XXXX XXXX XXXX EXHIBIT 5 ) and a copy of a alleged Loan Summary from XXXX XXXX XXXX EXHIBIT 6 ) as they did in the response to the first validation letter still ignoring the additional documentation requested to prove their authority to collect a debt from me and the accuracy of said debt.
Upon reviewing my Consumer Credit Report on I noticed that Monterey Collection Services had placed a collection/charge off on my XXXX Consumer Credit Report on XX/XX/XXXX and XXXX credit report on XX/XX/XXXX negatively affecting my credit score ( EXHIBIT 9 ).
SCHEDULE 1 ( EXHIBIT 10 ) is a XXXX XXXX amortization schedule assuming satisfactory participation in the XXXX XXXX XXXX throughout the life of the loan. This provides the timeline and amortization on a simple-interest basis with XXXX payments made at 17.99 % annual interest SCHEDULE 2 ( EXHIBIT 1XXXX ) is simply the information in the Loan Summary that Monterey Collections provided in their validation response that has been transcribed into an XXXX spreadsheet showing the current history of the alleged loan.
SCHEDULE XXXX ( EXHIBIT XXXX ) is the analyzation and recalculated loan history based on terms and activity the XXXX XXXX contract containing a Truth in Lending disclosure ( EXHIBIT XXXX ) and Loan Summary ( EXHIBIT XXXX ) that Monterey Collections provided in their response to a debt validation request of the consumer. This is a combination of the information provided regarding payments made, mixed with recalculations based on the terms stated in the XXXX in XXXX. In this schedule, any fonts in XXXX are actual amounts or information as provided, and the XXXX fonts or yellow highlights are recalculated amounts based on terms and simple interest amortization. The summarized info in the documentation states amounts Through XX/XX/XXXX, so I have extended the schedule through that date for purposes of recalculating accrued interest and missed payments. This schedule also allows for inputting additional information at the bottom of Schedule XXXX and XXXX XXXX, as well as updating the orange highlighted thru date to arrive at new updated totals.
The below listed factual conclusions are calculated using basic mathematics after reviewing the alleged Sapphire Resort contract containing a Truth in Lending disclosure ( EXHIBIT XXXX ) and the Loan History Report ( EXHIBIT XXXX ) submitted to me from Monterey Collections in response to my request for debt validation : Amounts are recalculated assuming participation in Sure Pay Plan through XX/XX/XXXX. For those amounts recalculated after XX/XX/XXXX, the standard payment amount is assumed. It is unclear as to what would trigger termination of participation in the XXXX, however based on the schedule it appears as the missed payment moves the required payment amounts up to the standard amount based on 18.99 % interest.
The XXXX contract containing the XXXX in XXXX XXXX XXXX XXXX XXXX XXXX ) says that late fees are to be charged at the greater of 5 % of the payment due or {$30.00}. For the lines where a late fee was charged, this was assumed to be {$30.00} XXXX as this is greater than 5 % of the payment ), as compared to the {$25.00} that was actually charged. In the lines where a payment was returned as Not Sufficient Funds Charge, it was assumed that the actual {$15.00} fee was accurate, however nothing is stated in the Truth in Lending Disclosure related to this amount. Based on the documentation provided to me from Monterey Collections, the total fees owed related to this are {$150.00}, however the recalculation based on the above arrives at a total fees owed of {$180.00} making the TIL inaccurate. Pursuant to XXXX XXXX Code XXXX XXXX Truth in Lending ) I would like a detailed mathematical accounting explanation as to why the information provided to me by Monterey Collections does not comply with the contract containing a Truth and Lending Disclosure provided to me in response to a request for debt validation/verification.
There are inconsistencies in how the principal and interest amounts have been allocated based on a simple interest loan amortization. The total payment owed each month is {$120.00}, which is inclusive of Principal, XXXX, and the monthly {$7.00} Impound charge as stated. With simple interest, the portion of this payment that should be charged as interest should be calculated as the beginning principal balance XXXX annual interest rate XXXX. The remaining amount left after subtracting the impound charge and interest amount from the total payment would then be applied as principal paid. It is unclear how this is being applied in the actual loan history information, however you can see the XXXX columns noted as Paid Principal and Paid Interest in Schedules XXXX and XXXX are not consistent. This data is all predicated on information provided to me from Monterey Collections as the alleged response to the debt validation request. Pursuant to XXXX XXXX Code XXXX XXXX Truth in Lending ) I would like a detailed mathematical accounting explanation as to why the information provided to me by Monterey Collections does not comply with the contract containing a Truth and Lending Disclosure provided to me in response to a request for debt validation/verification.
In the XXXX History Report XXXX XXXX XXXX ), the stated principal remaining is {$4100.00}, however based on the recalculations, it appears as though the remaining balance should be {$4100.00}. This can be seen in row XXXX of XXXX XXXX in the End Principal column. Pursuant to XXXX XXXX Code XXXX XXXX Truth in Lending ) I would like a detailed mathematical accounting explanation as to why the information provided to me by Monterey Collections does not comply with the contract containing a Truth and Lending Disclosure provided to me in response to a request for debt validation/verification.
In the XXXX History Report XXXX XXXX XXXX ), the stated unpaid interest is {$880.00}, however based on the recalculations, it appears as though the remaining balance should be {$850.00}. This can be seen in row XXXX of Schedule XXXX ( EXHIBIT XXXX ) in the Unpaid Interest column.Pursuant to XXXX XXXX Code XXXX XXXX Truth in Lending ) I would like a detailed mathematical accounting explanation as to why the information provided to me by Monterey Collections does not comply with the contract containing a Truth and Lending Disclosure provided to me in response to a request for debt validation/verification.
In the XXXX History Report XXXX XXXX XXXX ), the stated equity balance is {$1800.00}, however based on the recalculations, it appears as though the balance should be {$1800.00}. This can be arrived at by adding the Principal Paid amount to the {$600.00} downpayment. Pursuant to XXXX XXXX Code XXXX XXXX Truth in Lending ) I would like a detailed mathematical accounting explanation as to why the information provided to me by Monterey Collections does not comply with the contract containing a Truth and Lending Disclosure provided to me in response to a request for debt validation/verification.
In the XXXX History Report XXXX XXXX XXXX ), the stated amount due is {$1700.00}, however based on the recalculations, it appears as though the amount due should be {$1700.00}. This is a sum of the Unpaid Impound, Missed Payment Balance ( XXXX payment at the Sure Pay Plan amount + XXXX payments at the Standard amount ), and Late Charge Balance. The reason this is higher than the stated amount is likely due to the recalculation on the loan charge, with the assumed {$30.00} rather than {$25.00}. Pursuant to XXXX XXXX Code XXXX XXXX Truth in Lending ) I would like a detailed mathematical accounting explanation as to why the information provided to me by Monterey Collections does not comply with the contract containing a Truth and Lending Disclosure provided to me in response to a request for debt validation/verification.
XXXX. Based on the debt collection communication documents and the documents provided in response to the debt validation request I find the following Violations.
XXXX XXXX a ). In the letter dated XX/XX/XXXX XXXX XXXX XXXX XXXX Monterey Collections states XXXX XXXX will accept the above stated balance in full satisfaction of the debt if the payment is received by XX/XX/XXXX. Please be advised that in the event payment is not received by this XX/XX/XXXX, the above amount XXXX increase by the accrual of the addition interest and fees. I believe I was threatened with cost and fees within the 30 days required of statue from initial contact overshadowing my XXXX rights. In addition to that XXXX gave me 5 days to pay an alleged debt from date the initial letter was written and mailed which, if that was a fair option ( but it was not XXXX it would have been impossible to do because I did not receive the letter until XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX days beyond XX/XX/XXXX. Thus violating XXXX XXXX XXXX XXXX.
XXXX. In the letter dated XX/XX/XXXX ( EXHIBIT XXXX ), which is Monterey Collections response to my timely submission request for debt validation/verification. Monterey Collections Representative XXXX XXXX uses the term you had 30 days from the date you were notified by Monterey Collections that your account had been with Monterey Collections to dispute this debt. This statement by the representative infers that I ( the XXXX ) did not submit the original request for validation in a timely manner. This was a very deceptive and misleading statement and can be proven by reviewing ( EXHIBIT XXXX & XXXX ) which shows that my request for validation letter to Monterey Collections was sent and received in their offices on XX/XX/XXXX within the 30 day window required by the Fair Debt Collections Practices Act after receiving the initial communication from Monterey Collections dated XX/XX/XXXX ( EXHIBIT XXXX ). I believe the statement was an effort to convince me ( the Consumer ) that I was out of compliance with the FDCPA thus violating XXXX XXXX XXXX XXXX & XXXX US Code XXXX ( XXXX ).
XXXX. In the letter dated XX/XX/XXXX ( EXHIBIT XXXX ) Monterey Collections Representative XXXX XXXX states as a courtesy the requested proof of debt is attached referring to the debt validation documents that were requested in a timely manner in compliance with the FDCPA. Compliance can be established by reviewing EXHIBITS XXXX & XXXX. Part of the XXXX XXXX legal definition of courtesy is defined as a kind favor. I believe the implication of the representative in making a statement of that nature was to imply that the provision of the requested documents was not a requirement under XXXX XXXX XXXX but rather a favor the debt collector chose to do for me XXXX the XXXX XXXX This was deceptive and misleading and causes the consumer to believe that the collector is not obligated by the statue to comply with providing the consumer validation documents. This was not a courtesy but was a requirement. I believe the statement was an effort to convince me ( the Consumer ) that compliance with the FDCPA was optional and not a requirement thus violating XXXX XXXX XXXX XXXX & XXXX US Code XXXX ( XXXX ), and XXXX XXXX XXXX XXXX within the context the statement was used.
XXXX. In the letter dated XX/XX/XXXX ( EXHIBIT XXXX ) Monterey Collections Representative XXXX XXXX states any future request for proof of debt will not be responded to per your request to cease contact. This statement was both misleading and deceptive in that Monterey Collections received my request for validation letter XXXX EXHIBIT XXXX ) on XX/XX/XXXX in which I stated I am writing to you to demand that you cease and desist any telephone communications with me as required by the Fair Debt Collection Practices Act XXXX XXXX XXXX Paragraph XXXX ( c ) XXXX. However, on the second page of the same letter I stated other than forwarding me via mail the aforementioned documents I request that you cease any communication with me about the alleged debt The documents requested from XXXX were : XXXX. Any contract or agreements between me and Monterey Collections creating an alleged debt.
XXXX. Any contract or agreement between Monterey Collections and the alleged original creditor authorizing a debt to be collected from me.
XXXX. Any certified documents of reassignment between Monterey Collections and the alleged original creditor that authorizes the legal collection of any debt from me XXXX. An itemized statement from the alleged original creditor that a debt is owed by me for an alleged business transaction to include ( XXXX ) the charge-off balance and itemized principal, interest, charges and fees ; ( XXXX ) itemized post charge-off interest, charges and fees ; and XXXX XXXX XXXX a description of the debtors obligation to pay.
XXXX. A signed contract between me and the alleged original creditor bearing the signature proving a legal and binding contract actually exist.
XXXX. A copy of Monterey Collections business license issued by the City of XXXX that is required of any debt collection agency attempting to collect a debt on XXXX residents effective XX/XX/XXXX as defined by XXXX of the XXXX XXXX XXXX.
XXXX. Therefore XXXX XXXX Representative XXXX XXXX knew or should have known that she was making a false statement in an effort to deny me the balance of the validation/verification documents I requested as part of the debt validation process. Thus violating XXXX XXXX XXXX XXXX & XXXX US Code XXXX ( XXXX ), and XXXX XXXX XXXX XXXX. As further proof there was no validity to her statement she sent yet another letter dated XX/XX/XXXX XXXX XXXX XXXX XXXX.
XXXX. Monterey Collections has been steadfast in their position as representatives of an alleged original creditor ( Starpoint Resorts ) .Based on the validation documents ( Truth in Lending Disclosure & Loan History Statement XXXX provided by Monterey Collections XXXX response to my debt validation request they knew or should have known that the calculations provided to me ( The Consumer ) were inaccurate according to the Truth in Lending Act. Monterey Collections should be held to the same level of accountability as the alleged original creditor because of their negligence in ensuring that the debt is legally accurate and failure to comply with XXXX statues in their debt collection activities. Monterey Collections ignored a plethora of inconsistent numerical calculations in the validation documents and totally disregards the mandates of the FDCPA thus violating my consumers rights. The most appropriate course of action against Monterey Collections for violating my consumer rights under the Fair Debt Collections Practices Act, Fair Credit reporting Act, and the Fair Credit Reporting Act is to hold accountable Monterey Financial Services LLC which, encompasses Monterey Collections. Under Civil Liability for violations of the Truth in Lending Act XXXX XXXX XXXX XXXX, Criminal Liability for violations of the Truth in Lending Act XXXX XXXX XXXX XXXX, Civil Liability for violations of the Fair Debt Collections Practices Act XXXX XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) and XXXX US Code XXXX ( a ) ( XXXX ), and The Fair Credit Reporting Act. Specifically the responsible parties of Monterey Financial Services LLC such as Chief XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and Representative XXXX XXXX.
XXXX. After the failure of Monterey Collections to properly respond to my request for validation and shortly thereafter they fraudulently reported the negative account on my XXXX Credit Report ( Exhibit XXXX ) significantly decreasing my credit rating. Causing me to lose access to a substantial line of credit significantly affecting my creditworthiness and ability to acquire new credit. Therefore I have suffered injury to my financial reputation and credit record. XXXX has continued to make false, deceptive, and misleading representations about the amount and status of the alleged debt they have violated XXXX XXXX XXXX XXXX ( XXXX ) ( A ).
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| 06/12/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Monterey Financial Services/Monterey Collections and XXXX are violating federal laws against my person and natural person. I sent both Monterey Financial and XXXX the first packet XX/XX/XXXX that included an Affidavit of Truth, invoice, debt validation form, letters and correspondence as well as exhibits. On XX/XX/XXXX, Monterey Collections sent me a 2 page letter back with absolutely no information that I requested in my initial packet. This included NO notarized under penalty of perjury Affidavit of Truth responding to my Affidavit of Truth line by line signed by the CEO, CFO, or any superior of Monterey Financial/Collections, NO completion of the debt validation form, NO proof/evidence that I even owe the debt to Monterey Financial/Collections but the letter stated that I had 30 days to dispute the debt when Monterey Collections attained the debt and they provided some sort of nonsensible computer print-out that is supposed to show proof of the alleged debt on the 2nd page. I sent Monterey Financial another packet on XX/XX/XXXX with a Default and Opportunity to cure, an updated Affidavit of Truth, updated invoice, updated exhibits as well as copies of the content of the first packet.
On XX/XX/XXXX, I sent Monterey Financial Services a debt validation letter. In that same letter as highlighted in Exhibit A, I also asked Monterey Financial Services to cease and desist phone calls and only respond to me via US Postal Mail. Instead of abiding by 15 USC 1692c ( c ) and 15 USC 1692d ( 5 ), Monterey Financial Services continued to violate Federal law by abusively continuing to call me at least 34 times between XX/XX/XXXX and XX/XX/XXXX and using profane language in attempts to make me pay an invalidated debt as documented in Exhibits A & B. Both federal laws were violated twice each time Monterey Financial Services called during those 34 documented times. This is accounted for in the attached invoice included in packet. This letter was sent registered mail and I have proof it was signed for on XX/XX/XXXX by XXXX XXXX, CFO as evidenced in Exhibit A, B, and C ; however, Monterey Financial returned it back to me unopened for unknown reasons. Possible refusal? Pursuant to 15 USC 1692c ( c ) ( 3 ), notice of cease and desist is complete upon receipt. Just because Monterey Financial refused to open and returned back to sender doesn't make the violation of the law any less valid.
I sent another letter on XX/XX/XXXX that I have proof that Monterey Financial signed for on XX/XX/XXXX. This was my 2nd attempt to get proper debt validation from your company in regards to this alleged debt. I received no response from your company at all this time.
I have no contract or agreement with Monterey Financial Services, Monterey Collections, or XXXX in regards to this alleged debt. Monterey Financial Services has sent me no proof of anything that shows a documented agreement between us. The only document that Monterey Financial provided FINALLY on XX/XX/XXXX is an alleged document with a statement saying I owe XXXX a balance. I am not implying directly or indirectly that I owe XXXX a balance, but who is Monterey Collections/Monterey Financial and what do they have to do with an alleged balance with an entirely different company? That looks like an agreement Monterey Financial Services/Monterey Collections has with XXXX and not with me. I have nothing to do with this alleged agreement or alleged debt. In many documents as shown in exhibits D, F & H, who the debt is owed to is misrepresented and a violation of 15 USC 1692e ( 14 ).
I have no idea how, when, or why Monterey Financial Services and/or Monterey Collections came into the scenario of this alleged debt. What proof does Monterey Collections have that they sent me any letter or notice saying that I owed anything to their corporation so that I could dispute within the 30 day time frame allowed. I disputed when I became aware of a possible fraudulent account and sent a letter on XX/XX/XXXX. Monterey Financial Services returned the letter back to me unopened ( as stated above ), remember? I have documented proof. Monterey Financial Services and/or Monterey Collections is in violation of 15 USC 1692g ( a ) ( 4 ) as I am STILL waiting on proper validation that the alleged debt is even mine. Show me the law that states that the computer printout you sent me would be considered legitimate proof in any court of law.
On the letter Monterey Collections sent XX/XX/XXXX, it was stated that " per the FDCPA, I had 30 days from the date I was notified by Monterey Collections to request to dispute the debt. '' Pursuant to 15 USC 1692g ( c ) of the FDCPA, my alleged failure to dispute the validity of alleged debt is not an admission of liability in ANY court. Monterey Financial Services/Monterey Collections is simply making an assumption. I do not agree with the assumption. Even though I have addressed this point several times in the complaint, what purpose do you have to bring that up since it is clearly a violation of Federal law from the same section ( FDCPA ) Monterey Collections is attempting to use against ME as the consumer?
Who is the original creditor in this alleged debt? XXXX or Monterey Financial Services or someone else? It would be helpful to fill out the debt validation form that I have included TWICE in the mailed packets I sent to you. If the original creditor is XXXX, how did Monterey Financial Services acquire this alleged debt? Since Monterey Financial Services/Monterey Collections is purporting to collect on this alleged debt, please provide the unmistakable and indiscrete contract between your corporation and myself that proves you have grounds to collect anything from me?? Keep in mind, a statement/bill is not a contract. If no contract can be provided, Monterey Financial Services/Monterey Collections is committing fraud by even having access to anything as it relates to my person and/or natural person. It is also continued fraud to report this erroneous information to credit bureaus.
As evidenced in Exhibit H, Monterey Financial Services/Monterey Collections is in violation of 15 US Code 1692j as Monterey Collections has designed, compiled, and furnished deceptive forms to cause me as the consumer to believe I owe an alleged debt to Monterey Collections. I do not consent to these unlawful activities.
As evidenced in Exhibit I, all alleged debts said to be owed are in the positive. How ca I owe a positive balance? This is a misrepresentation and in direct violation to 15 USC 1692e ( 2 ).
It is an unfair practice for Monterey Financial Services/Monterey Collections to send me correspondence saying " This is an attempt to collect a debt as evidenced in Exhibit J and in violation to 15 US Code 1692f.
Reporting to credit bureaus has harmed my reputation and in direct violation to 15 US Code 1692d. Monterey Financial Services/Monterey CollectionsXXXX has reported this alleged yet invalidated debt to the credit bureaus causing great distress as evidenced in Exhibit K. Monterey and XXXX are continuing to willfully operate outside of the bounds of Federal law.
According to 15 USC 1611 ( 3 ), Monterey Financial Services/Monterey Collections is CRIMINALLY liable for knowingly and willfully reporting this account to the credit bureaus when Monterey Financial Services/Monterey Collections knows there is no legitimate contract between myself and Monterey Financial Services/Monterey Collections.
Additionally, Monterey Financial Services/Monterey Collections is also civilly liable for the irreparable damage caused to not only my person but it has caused additional aggravation, distress, and anguish to my natural person.
A Default and Opportunity to Cure packet was mailed to Monterey Financial Services on XX/XX/XXXX. Monterey Financial Services/Monterey Collections has 10 days from receipt of that packet to provide remedy and act honorably.
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| 08/27/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem when making payments
- Problem during payment process
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Web |
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On XX/XX/2021, I opened up a {$15000.00} credit line account with XXXX XXXX XXXX at XXXX. I opened this account to improve my credit score by reducing my debt/credit ratio, since they reported to all 3 credit bureaus. I made a purchase for {$340.00} and paid {$170.00} at the time of purchase.
On XX/XX/2021, I received an email from Monterey Financial Services, LLC, stating that my account had been transferred to them from XXXX XXXX XXXX for servicing. They instructed me to register my account with them online, because that is where I would be able to view my statements and make payments, so I did. I was given an account number.
On XX/XX/2021, I received a text message stating that my account was now being serviced by Monterey Financial Services LLC ( Monterey ).
On XX/XX/2021, I received a phone call from a representative of Monterey, stating that my payment was due. I logged in to make a payment for the {$37.00} that was due, and paid {$38.00}. I have had my checking account hacked twice, so I stopped using it to pay bills online and would simply transfer enough funds to my XXXX card to cover the cost of whatever I was paying. I made sure I had {$40.00} available to cover the payment. I received an email receipt from Monterey for the payment of {$38.00}, that stated the payment would not debit my account until two days later. However, on XX/XX/2021, I received an alert from XXXX that a payment of {$48.00}, not {$38.00}, was returned due to insufficient funds.
I immediately called Monterey to find out why they charged me {$48.00}. I spoke with someone that said her name was XXXX. She told me that there was a {$10.00} service fee to pay my bill online. I let her know that I was not aware of that fee and my receipt did not state that they were taking {$48.00}. I asked her if there was going to be a penalty for the return and she said there was a {$25.00} fee for the {$48.00} being returned and that it stated on the site that the fee would be charged. I told her I didnt notice that statement. I then asked her if it was possible for me to have the fee waived, because I did not see the statement about the fee and that my receipt said my card would be charged {$38.00}, which is the amount I made sure was available. She said I would need to forward the email that showed {$38.00} instead of {$48.00} and she would call me back after reviewing it. I sent the email, but never heard back from her.
On XX/XX/2021, I received a call from XXXX, who said he was with Monterey and was calling about the payment. I told him that XXXX never called me back. I explained the situation to him and told him that I never received a receipt showing that the {$10.00} fee was being taken out. I also expressed to him that I felt the {$10.00} fee being charged was exorbitant. He told me that I would have to put my payments on automatic debit in order to not have the fee charged. I then asked him if he could waive the {$25.00} fee. He said he couldnt so I asked to speak with a supervisor, and he transferred my call.
I explained the situation to the supervisor, XXXX and, again, requested a waiver of the {$25.00} fee. She refused. I also told her that my receipt did not indicate that there was a {$10.00} fee being charged and I thought that the fee was way too high. I also told her that I didnt think it was legal for them to charge me a fee and not supply me with a receipt for it. She said I needed to put my account on automatic debit to avoid it. I told her I didnt think that was fair and asked for the receipt. She said she would speak to the tech department about it, but I needed to pay the {$48.00} plus the {$25.00} returned check fee. I told her that the funds were there and she could take the payment. She then asked me if I was going to sign up for automatic debit with her and I said no. She then processed the payment. I never received a receipt for the payment.
On XX/XX/2021, I checked my XXXX account and it showed that {$77.00} had been deducted from my account by Monterey. {$48.00} plus {$25.00} should have only been {$73.00}. They had taken an extra {$4.00}. I attempted to login to my account to see if it showed what the extra amount was for. I was not able to login. I tried using forgot password and got the message that no account existed with my account number. I tried to register again, and got a message that stated my account was not allowed to be registered. I also checked my credit report and it had dropped 40 points! The reason given for the drop in score was that Monterey had REMOVED the account from my credit report. I then called Monterey.
The first representative that I spoke with identified herself as, XXXX. I told her that I couldnt login. She said she saw my account and transferred me to their loan servicing department.
In that department, a representative named XXXX assisted me. I asked her why the account was removed from my credit report. She said that they stopped reporting it to XXXX and it looked like my account had been paid off. I told her that it wasnt paid off. She put me on hold and then came back to the phone. She said that she had just been told that my account had been closed by mistake, and it would be corrected shortly. She stayed on the phone with me while I attempted to login. I was finally able to login, but when I went to check my payment history, I got a message stating that my account was closed. She said that it may take a few more minutes on my end for things to be corrected, and to try again. It still didnt work. She then told me that my account had been sent back to XXXX XXXX XXXX. I asked her why. She said that it stated in the notes that they requested it ( I do not believe that anyone at XXXX XXXX XXXX made that request ). We hung up.
I then logged into my account at XXXX, only to find that there was no way to view my payment history, make a payment, email them or call. I now have no way of making payment correctly nor able to manage my account.
At this point, I am completely fed up. It appears that XXXX decided to retaliate against me, the consumer, because I demanded a receipt and told her I thought it was illegal for them to not provide one to me. I believe that she has, purposely, damaged my credit, denied me access to my payment history and denied me the ability to make my payments on my account ( something that I think XXXX is fully aware of ) and it will damage my credit further if payment isnt made ; all of this because I dared to demand a receipt and not sign up with their automatic debit program. TO DATE, I have not received a receipt for the payment made.
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| 08/13/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX , and XXXX This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. MONTEREY FIN bal. {$3100.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX
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| 07/03/2020 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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Monterey has now given me proof of there violations of both the fair credit reporting act as well as violations of the fair debt collecting practices and committed both deceitful and theft on me, the last time I reported them to you guys they spread all this XXXX that it accurate and we mailed things that were returned 1. A XXXX lie to protect there XXXX that they ever sent me any notice to dispute the debt in any form, they stated that it came back with no forwarding address was a lie all my mail had been setup for change of address prior to them stating it was sent, I have informed delivery and I get pictures of all mail before it even comes to me as well as the change of the address I filed via the post office they automatically redirect all mail sent to me to the new address, they had redirected all my mail to my new address and highly doubt XXXX would be the only one not redirected and sent back multiple times as they say, 2. The paperwork they state had all my info the rep I spoke to even admitted when I said that the email address they had on file for me has never in my life been mine, so they purposely tried saying one email address on paperwork they say is all mine with information on it that was never mine, also I have the original paperwork I signed and the email on it is magically not the one they are saying on there paperwork is mine instead on my original paperwork its my actual email not some XXXX email they listed on it, 3. The rep I spoke to admitted after they deleted my original account they added fees upon fees to the account which adding fees upon fees on a deleted account to reopen it with a higher balance than the beginning and the last reported balance from the original creditor is considered an FTC violation because adding extra fees like collection fees and late fees on an account that isnt active on my report is a falsification if information and illegal charges, would had two witnesses in my car when the rep stated all this XXXX, and the last time I summited my complaint they stated I should contact them they were willing to do a balance adjust of {$1900.00} I told them I would pay it in monthly installments but only after I received a letter for proof they agreed to it and that they would remove it from my credit report, they had both my actual email address and current phone number and my P.O. Box but they instead of sending me anything to show the agreement of lower balance and monthly installments and agreement to remove it from my credit report they instead sent me nothing and started stealing money out of my bank account and reporting the non-agreed-upon balance to my credit report, and I had the same 2 eye witnesses in the car when agreed to everything and in return did nothing more than lie, deceive, and commit fraud and theft, and falsified the very thing we agreed upon that they told you they would offer me, and they continue to report a fraudulent balance as well as attempting to steal more money from me while in whole still sending me nothing that I asked for before any payments were ever taken/made which was the agreement, since they did that I reported them to XXXX credit bureau again with more evidence and this time XXXX agreed with me and they removed there account listing off of my credit report with them, upon that happening Monterey sent me an angry email stating that a credit bureau removed there account on me with them and that they didnt agree with it and they were still going to come after me for the money and even listed the higher non agreed upon balance on there email to retaliate against me for getting there XXXX account removed from that credit bureau, what Monterey doesnt even want to tell you is that the place I bought not leased a XXXX dog but bought a DOG, sold me the dog stating he was well and everything and he had been sold to me with kennel cough which not even having the dog a week I had to spend over XXXX XXXX in hospital bills on the dog or he would have died, all in which the people I bought him from refused to cover any of the expenses which I was told I can them for all of that extra expenses as well as the emotional and financial distress it caused me and that monetary wants to continue this distress especially during a worldwide epidemic of Covid-19 simply because they are heartless thieves seeking to show that there lies deceits and fraud and theft and harassment is all they care about, and the photos I will upload its kind of funny how the balances theyre reporting are all over the place and not at a certain spot so keep lying keep violating the law and violating the FTC and the fair debt collection practices and harassing me discriminating against me causing emotional and financial stress and burdens that I dont need right now during a worldwide epidemic, also I contacted the post office they told me with my change of address being in effect before you supposedly sent me something that they wouldnt have sent it back to you it wouldve been forwarded directly to my new address so they even told me what you said makes no sense they would not have sent it back to you they would have forwarded it to my new address not send it back to you, you are simply trying to lie and said you said something to me because you know its a violation of the fair credit reporting act in debt collection practices if you dont send a 30 day notice before starting anything its funny how you guys only started saying you said something after I started reporting you for not sending it and that I knew it was a violation of the FTC and the debt collecting practices laws.
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| 04/13/2020 |
Yes |
- Debt collection
- Mortgage debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
Older American |
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Aloha, I am including a copy of a letter that I am sending to Monterey Financial. I never saw their reply to you and I would like to reopen case # XXXX. Their interpretation of the contract was inaccurate. We initialed an illegal part of the contract that stated that we did not have the usual 5 days as they stated to cancel this purchase because this was a repossessed property. We initialed a lot of spaces in this contract and were told a lot of untruths. I know for a fact that the sales rep told us that we could not file a complaint on this property because it was a repossessed one.
Also, as you can see from the copy of the email that I sent to Monterey Financial, that they filed a complaint with XXXX XXXX without personally notifying me directly. I see in their reply to you that this was the case, but I never received any notification from them directly. I believe this to be unethical behavior and possibly illegal.
These are very difficult times that we find ourselves in. I am turning XXXX in XXXX and have XXXX. This whole matter is very stressful and unhealthy for me to undergo at this time. Especially with the lack of communication from them. I had to find out from XXXX XXXX of their actions. The Monterey Financial rep XXXX XXXX never replied to the email that I sent her, or to my phone calls.
Here is a copy of the email that I will be sending to them after I contact my attorney tomorrow by phone. I am presently a stay at home person because of my heath concerns.
Dear Ms. XXXX, I have tried several times to reach you with no success. I have supplied you with proof of the fact that this is a fraudulent claim made by XXXX XXXX and Monterey Financial to try to collect this debt. I was told by the attorney that I consulted with in XXXX XXXX that a company in XXXX can not affect our credit here in the United States which is probably why they hired you. I will contact my attorney here to see if this is ethical and legal. The attorney there advised us not to pay any more money to them, and that they knew from previous experience that we would never see the money that they said we would. We also found several cases on the Internet that had the same thing happen to them. In fact, I'm not sure that there might be a class action suit possibility here. I am contacting others to see if that is a possibility.
I have sent you proof that XXXX XXXX is a rip-off, and lied to us to convince us to purchase this property. In fact, I am planning to see if I can rescind our original contract, and take legal action to get our {$6600.00} deposit returned to us. I was never told by our sales rep that we could dispute the sale at the time we purchase the property. In fact they fraudulently advised us that because this was a repossession that we were buying, and they had us sign a document that stated we could not file a complaint to get out of this purchase. This was the reason that we never followed up immediately on this matter. I believe that this too was an illegal action.
So after you never replied personally to my email about all of this, or returned my calls, I find out from XXXX XXXX that you have filed a complaint with XXXX XXXX without directly notifying me beforehand. I'm certain that this is unethical and possibly illegal, especially that once this is done it is difficult to remove it from out record. At the very least, in these troubled times when I, as a XXXX year old with XXXX, and being confined to my house so that I can not even meet with my attorney in person to discuss this, is despicable. This kind of aggressive behavior also adds to my stress level which is detrimental to my health at this time.
I know you are just doing your job, hopefully from home. But it is important for you and anyone else that I contact about your actions to know that we were lied to about how we could use our purchase to trade up for other properties, as well as given a signed contract that the lawyer in XXXX assured us was false, and that we would not receive the money that was promised to us. He told us that XXXX XXXX has a reputation of never doing as they promise, and we will never see any money coming our way and not to pay them any additional funds.
I plan to file an on-line complaint with both the Federal Trade Commission and the Bureau of Consumer Protection housed within the US Federal Reserve on this matter, and will continue to advise them as this continues. I think they will be especially concerned about your behavior in these troubled times when our country is experiencing a national emergency.
Yours truly, XXXX XXXX I hope you can help me with this problem especially in these unprecedented times that we find oursleves in. These people in XXXX took advantage of us, lied to us about how their property would work, and mislead us with respect to the possibility of disputing the purchase.
Now Monterey Financial is not communicating with us directly and causing us even more problems and unneeded stress. Their behavior is unfair and unhealthy at times like these. I hope in the least, you can convince them to delay this action until I can meet with my lawyer face to face to discuss what I can do about this matter.
Thanks, XXXX XXXX
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| 11/23/2021 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
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Web |
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I am a person with a permanent mobile XXXX who is a victim of a XXXX Scam ran by XXXX XXXX XXXX XXXX. By means of deceptive promises on behalf of XXXX via false promises and the XXXX in-house loan financing scheme, I was scammed and deceived into taking out a loan and investing it into a XXXX XXXX XXXX Business XXXX XXXX Franchise Venture with XXXX & did not receive the training, licensure, certification, nor mentorship-training services promised to me by the franchise recruiter, XXXX XXXX. After I had paid my {$XXXX} Down Payment and signed the Loan Agreement Papers for the XXXX XXXX XXXX XXXX Business Loan Broker Franchise, on XX/XX/2021 I was contacted by XXXX XXXX, the Founder of XXXX, via email who falsely accused me of asking for external training and wherein he stated to me, " I have talked to a few members of our staff and I just dont think you are going to get what youre looking for from us ; '' and he stated, " for the {$XXXX} you paid us, we simply cant as we are not set up to support you in the way it appears you need. '' He even falsely accused me of trying to leak important XXXX resources out into the public by saying, I dont want our resources tapped in ways were not built for ; and I dont want you thinking that youll get something for {$XXXX} that we cant give you. He even stated that I need to seek training elsewhere or get my {$XXXX} Deposit back and part ways. '' I have written XXXX ( XXXX ) different emails & XXXX certified letter to XXXX XXXX XXXX requesting that all monies invested into the sham XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX be returned to me and that the in house XXXX Term Loan with XXXX XXXX XXXX be rescinded due to his initial request to part ways and my option to do the same given that such has precluded me from being able to run the work from home franchise properly due to lack of access to XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, now, XXXX XXXX, the XXXX Founder, is giving me the run around and refuses to not refund my monies for the franchise fees I invested in, nor will he rescind the sham XXXX XXXX XXXX XXXX for the scam XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have contacted XXXX XXXX XXXX XXXX multiple times requesting that they rescind-revoke-cancel the aforementioned loan on the grounds of scam and fraud and they are refusing to do so stating that it all depends on XXXX XXXX given that I signed a contract with XXXX. Though it is is true that I signed an employment contract with XXXX due to trying to start a XXXX XXXX XXXX XXXX XXXX XXXX XXXX as a small business, it is yet very unfair that XXXX XXXX and XXXX failed to provide me the licensure, training, mentoring, and support services promised as outlined in the Employment Contract ; wherein, instead, XXXX XXXX has created and presented me with a hostile, and unsupportive work environment. Here, XXXX XXXX, the Founder of XXXX, ignored my request for the promised training and mentoring mentioned in my employment contract and instead chose to send me an insulting email on XX/XX/2021 requesting that I either seek external training with an outside agency in the amount of {$XXXX} to {$XXXX} or part ways with his company. Due to the hostile and unsupportive gesture of XXXX XXXX XXXX, I chose to request my {$XXXX} Refund and part ways with XXXX. Nevertheless, now XXXX XXXX is refusing to refund my {$XXXX} Franchise Investment Deposit and is also refusing to rescind the XXXX XXXX XXXX XXXX XXXX in the amount of XXXX. I have also email and spoken to XXXX XXXX, The Loan XXXX of XXXX XXXX XXXX XXXX multiple times wherein I informed both her and her staff that I am a victim of scam on behalf of XXXX as the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX promised to me by XXXX were not delivered, nor provided. Accordingly, when I communicated with XXXX XXXX XXXX via email messages, U informed her that XXXX XXXX XXXX refused to return my {$XXXX} deposit as well as refused to rescind the scam XXXX XXXX XXXX XXXX XXXX XXXX Contract & the XXXX XXXX XXXX XXXX XXXX. Despite my efforts, XXXX XXXX XXXX ( the Loan XXXX for XXXX XXXX XXXX XXXX ) ignored my request to rescind the franchise loan and has now indicated that she can not rescind the loan without the permission of XXXX XXXX XXXX, nor can she speak further with me. Given this, I now plead to the Consumer Financial Protection Bureau to help me to recover my lost monies and to seek legal justice regarding this matter as I have been scammed and am a victim of fraud as sponsored by XXXX and XXXX XXXX. I have attached XXXX ( XXXX ) supporting PDF Files to this email message to you, and I will provide all documentation and evidentiary artifacts in my possession regarding this scam and fraud matter on behalf of XXXX, upon your further request. Please urgently help me as this issue is very painful and disappointing. Thank you.
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| 09/24/2018 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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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.
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| 03/07/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
Servicemember |
|
I have contacted the XXXX XXXX XXXX XXXX XXXX about this on several occasions and sent a written communication that we have no interest in being part of their vacation club and the contract was signed under duress. They refused to cancel it and sent the claim to Monterey Collections around XXXX, XXXX 2018. We were then harassed about owing + $ XXXX until I spoke to an attorney and sent a cease and desist letter to Monterey Collections. They were soliciting the money through emails, calls, and then the US Postal Service. I told them that this was not a valid debt and to continue to request money through the mail was extortion.
This all stemmed from duplicitous practices by XXXX XXXXXXXX XXXX, where they told us lies to convince us to tour their resort ( which we later learned it hadn't started construction yet ). We were told that there was nothing to purchase, it was not a Time Share and that we would just go 10 minutes from our resort and would be back within an hour. That was not the case and it took ~40 minutes to get there with a driver that I could only communicate with in XXXX and then once we arrived, we were not permitted to leave. During XXXX separate instances, we received veiled threats from their employees which I have recorded. They kept warning us to not say certain things, including telling us that we couldn't leave in time for our friend 's wedding rehearsal ( which was the entire purpose of the trip ). They said we must go through the whole process and play the game. We were in a very secluded location without roads and had no cellphone or WiFi service. We were completely at their will and the driver never came back at the time we requested. He didn't show back up until 5 hours had passed and we had long missed our friends wedding rehearsal. Considering the tensions between US and XXXX during the trip, and the news about gang violence against tourists, I began to become fearful for the safety of my wife.
As the time drug-on, I tried leave the premises with my wife ( prior to signing paperwork ) by saying we could not use the current credit card due to limits and they encouraged us to get another card. Since we were the only ones left in the building ( besides 5 male employees ), I agreed in hopes of getting back safely to the resort and escaping the situation. Unfortunately, their employees refused to give us back both of our Driver 's Licenses and my credit card, which they held as collateral to ensure we had to come back. We went back to our resort to get my wife 's XXXX card for the sole purpose of the companys strong fraud protection department.
When at the resort we mentioned the situation to one of the resort concierge and he didnt know what we should do beyond signing and then disputing it afterwards. The card I left in their possession during our +1-hour drive back-and-forth had fraudulent charges on it when we arrived back stateside. I was forced to cancel that credit card and dispute the charges made by whoever stole my information while it was out of my possession. Shortly after arriving home, we contacted XXXX to investigate the situation and filed a dispute. The charge for ~ $ XXXX was fortunately removed by their fraud department. The contract is not valid due to signing under duress. It was also not penned in my actual signature due to the circumstances.
In addition, they recently removed their rating on XXXX because their business practices had so many unresolved complaints, they were at an F rating. Looking at XXXX XXXX will also show that dozens of other people have encountered these same types of threatening practices. They offered me a deal to cancel the contract by signing a gag order and paying them ~ $ XXXX. I could not afford that type of ransom money due to my company going through lay-offs which I also told them about. I was so XXXX out with their phone harassment and emails, my XXXX XXXX spiked and I had to get on XXXX medicine. Ours is not an isolated occurrence and this company needs to be investigated and held accountable for its business practices.
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| 10/22/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
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In XX/XX/2021, we went to an appointment to claim a prize we had won on a radio show. Two airline tickets to XXXX XXXX.
Once we arrived, they leaded us to an unspeakable pressure for more than XXXX hours, and due the frustration we agreed, committing ourselves to purchasing a share in a resort to be payed over the years.
We were also given a certificate for a XXXX cruise, a gift card for a meal, and several promises of " prizes '' that are displayed in the documents we attached.
Once we finally managed to free ourselves from such torture, we called them in the following days to quit the membership, and we were told that quitting was not possible because of the clauses of the contract did not allow us to.
We assumed that for the next few years, we would have to honor the debt that we had " obligatorily '' acquired.
In the following months I was affected by XXXX XXXX XXXX, which forced me to stop working causing, among other things, my company to go bankruptcy.
We obviously defaulted on all of our creditors, including XXXX XXXX
Never in all this time ( as today ) Ive received any communication from either XXXXXXXX or Monterrey and prizes, certificates and gift cards were obviously not honored.
Immediately was able to, I contact XXXX to notify them of my intention to solve the issue, and I was told that my debt was no longer managed by them, and if I wanted to pay it, I should call their collection company : Monterrey Financial, whom immediately I called and after explaining that I had been victim of a XXXX XXXX and XXXX XXXX, they explained me that not only I should pay the amount that I had originally agreed to pay over several years, but that I should also pay an amount equal to 60 % more in fees, and all this had to be paid in a lump sum, under penalty of being reported to the credit bureaus, to which by the way, they had already reported me several times.
As I already said, I never received any letter or communication from both XXXX nor Monterrey. Neither to collect the debt, nor none to explain it, so at this point I only know how much they intend to charge me, however, I don't know what it corresponds to.
The operator to whom I spoke, in addition to not having any empathy, was rude and showed no intention of resolving the matter, unless it was in the absurd terms that he proposed, so I disconnected the call and started a new call asking to speak to someone different.
The result was the same. This call becomes the first time they talk about a lawsuit. One threat after another, and no possible solution.
I disconnected the call and asked to speak to a supervisor, this time the process was different ( less rude ) but the result : Same.
You owed {$10000.00}.
Now you owe {$16000.00}.
If you pay it in full, we will not report you, if not : You can make a payment plan, but keep in mind that the interest is {$200.00} a month.
So, paying {$200.00} a month, you will keep the debt for a lifetime.
However, although I recognize that I accepted a {$10000.00} debt ( which I was forced to accept ), I categorically deplore the fact that the debt has been increased on 60 %, and even worse, they try to force me to pay it cash.
I have called them countless times looking for a way to pay, and the only thing I receive from them is an increase on the debt, no possible solutions and threats of lawsuit and credit consequences.
In a very " kind '' way, the supervisor explained to me that the settlement I was proposing was not possible, because by principal a settlement must be paid by a Lump sum. Even though in all the settlements I made with my creditors they have agreed me to pay in parts.
|
| 06/12/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
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|
On XX/XX/XXXX, while vacationing in XXXX XXXX XXXX XXXX, my wife and I upgraded our existing XXXX timeshare through XXXX XXXX XXXX XXXX de XXXX. At that time, the total selling price was listed as {$21000.00}. We were credited with {$18000.00} of equity from our fully paid original timeshare with the same company. After paying down a portion of the balance, we financed the remaining balance of {$3700.00} through a promissory note carried by the same company. Less than a year later, we paid this financed amount off in full and were sent a " paid in full '' document dated XX/XX/XXXX.
In spite of minimally using the timeshare, every invoice for maintenance fees was paid when received and this continued through XXXX. In XXXX, we relocated from XXXX state to XXXX and filed a change of address through the XXXX XXXX XXXX. We never received an invoice for maintenance fees after that. Knowing that XXXX timeshares are leased for a set number of years and not sold outright, we assumed the lease period had expired.
In XXXX, XXXX, my wife and my previously unblemished credit showed a serious derogatory due to an unpaid collection from Monterey Collection Services ( MCS ). I contacted MCS to get something in writing from them about an alleged opening balance owed of {$2500.00}. In a letter dated XX/XX/XXXX, a XXXX XXXX Representative ( XXXX XXXX ) sent a packet of about 20 sheets which were from XX/XX/XXXX. There was no explanation, so the implication was that the amount being collected had to do with the purchase of the timeshare upgrade on that date. Knowing that the promissory note related to the XX/XX/XXXX transaction had been paid in full, I was confused. I called XXXX and was then told that the collection was related to unpaid maintenance fees. I then requested something in writing so I could verify the amount allegedly owed.
On XX/XX/XXXX, MCS Collections Representative ( XXXX XXXX ) emailed me a 23 page detailed ledger covering the 13 year period from XX/XX/XXXX to XX/XX/XXXX. This ledger shows that maintenance fees were paid through the time we moved. However, and most importantly, the ledger balance NEVER showed a balance of the alleged opening balance of {$2500.00} claimed by MCS. MCS continues to claim this original balance, then has added on various late fees and interest to derive what they claim is the current balance on this account. Without being able to verify the claimed amount as an original balance, it is impossible to access if the claimed amount owed is accurate.
Even if there was some indeterminate amount of unpaid maintenance fees owed, the ledger received shows that the timeshare was foreclosed upon. According to the timeshare owner 's own records, the timeshare was worth over {$21000.00} in XXXX. If the timeshare was foreclosed, it was then resold and my wife and I have no rights to it. Upon resale, the timeshare owner XXXX MCS 's client ) received many times any claimed unpaid maintenance fees. To then extract more money from us on top of what they already received by reselling the timeshare would result in MCS 's client being unduly enriched. This is grossly unfair.
I have tried to lay these facts out to XXXX and disputed this collection on three separate requests. Unfortunately, XXXX has concluded on each of these three occasions that I am liable for the monthly rising balance that MCS is claiming we owe. This position defies logic. Because of the inability of MCS to document how the alleged opening balance of {$2500.00} was derived, the only equitable thing is to remove this collection from both my wife and my credit report.
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| 07/22/2019 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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To : Monterey Collection Service I am writing to dispute fraudulent charge ( s ) on my account in the amount of {$2500.00}, and posted on XX/XX/2016. I am a victim of identity theft, and I did not make these charges.
To date I have not received that information. I have received some documents from your office that includes a statement that is signed by someone other than myself. The notice also indicates that the bank account was linked to a institution named XXXX XXXX XXXX XXXX. I have never had an account with this bank. The letter also indicates this was an set up with a retailer XXXX XXXX, please provide a copy of my identification or other form of verification that was used with this retailer to confirm identity. I have also attached correspondence from the bank listed on the documents that also prove that this is in fact not my account.
Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. Also enclosed is a copy of the Notice to Furnishers issued by the Federal Trade Commission, which details your responsibilities under the Fair Credit Reporting Act as an information furnisher to CRAs. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs, and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. In addition, under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for verification via XXXX or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section of the Fair Debt Collection Practices Act. Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required under the laws of state and federal statutes. I requested Debt validation which was to include the following : 1. Who was the original creditor on this account, and what was the account number?
2. What was the original amount owed? A complete payment history, starting with the original creditor.
3. Documentation that indicates that I agreed to pay someone this sum of money.
4. What was the original date of delinquency for this account?
5. Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment.
6. What did you pay for this account, and how did you calculate the current amount owed?
I require compliance with the terms and conditions of this letter within 30 days of your certified receipt, or a complete removal from my credit profile, in writing, of your claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with the FTC, and appropriate county, state, and federal authorities. I also hereby reserve my right to take private civil action against your company to recover damages. Please investigate this matter and send me a written explanation of your findings and actions.
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| 05/26/2023 |
Yes |
- Debt collection
- Private student loan debt
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- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
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Web |
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XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Monterey Financial Services, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX Subject : XXXX Notice - Violations of FDCPA and TILA Dear Sir/Madam, I am writing to you regarding your continued attempts to collect on an alleged debt, which I believe is in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Truth in Lending Act ( TILA ). This letter serves as a pre-arbitration notice, indicating my intention to pursue arbitration to address these violations.
According to my records, the alleged debt in question was included in a XXXX XXXX bankruptcy filing, which was discharged in XX/XX/XXXX. Despite this discharge, your company has persisted in its collection efforts, thereby violating the following provisions : 1. FDCPA Violation : Section 1692e ( 2 ) ( A ) - False or Misleading Representations : Your continued attempts to collect on a debt that has been discharged in bankruptcy misrepresent the legal status of the debt, falsely implying that I am still obligated to pay. Such false or misleading representations are expressly prohibited under Section 1692e ( 2 ) ( A ) of the FDCPA.
2. FDCPA Violation : Section 1692e ( 10 ) - Use of False Representations or Deceptive Means : By using deceptive means to collect on a debt that has been discharged, including implying potential legal action or misrepresenting the consequences of non-payment, your actions violate Section 1692e ( 10 ) of the FDCPA. This provision explicitly prohibits debt collectors from engaging in false, deceptive, or misleading practices.
3. TILA Violation : Section 1640 ( a ) - Civil Liability for Violations of Certain Requirements : Pursuant to Section 1640 ( a ) of the TILA, attempting to collect on a debt that has been discharged in bankruptcy is a violation of TILA requirements. Your ongoing collection efforts in this regard are therefore subject to civil liability under this provision.
In light of these violations, I am seeking a resolution and immediate cessation of all collection activities related to the alleged debt. I propose a settlement amount of {$10000.00} to compensate for the harm caused by your illegal collection practices and to resolve this matter amicably. This settlement offer is made with the understanding that Monterey Financial Services, LLC will cease all collection efforts and update its records accordingly.
Please be advised that if a satisfactory resolution is not reached within thirty ( 30 ) days of the receipt of this letter, I will proceed with arbitration to seek remedies for the violations outlined above. This includes pursuing all available legal options, as allowed by law, to hold Monterey Financial Services, LLC accountable for its actions.
I expect prompt attention to this matter and a written response within fifteen ( 15 ) days of receiving this letter. This response should confirm your agreement to the proposed settlement amount and provide assurances that all collection activities will cease immediately. Failure to respond or rectify this situation may result in further legal action.
Thank you for your prompt attention to this matter. I anticipate a swift resolution and look forward to receiving your written response.
Sincerely, XXXX XXXX XXXX XXXX and Consumer
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| 09/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I am XXXX XXXX, and I am submitting this claim myself and no third party is involved in thismatter. I, XXXX XXXX, a natural person, have been injured because of XXXX 's unfair and inaccurate reporting of an alleged debt. The amount of the alleged debt has been changing, but the last amount I received was {$2900.00} ) XXXX along with Monterey Collections Services ( AKA Monterey Collections ) has tried to coerce me into paying this alleged debt by reporting it as accurate and complete.
On XXXX 2022 I became aware of an alleged debt collection when it showed up on my XXXX credit report. Instead of notifying me of this alleged debt, Monterey Collections Svcs just reported it to XXXX and had XXXX put it on my credit report. I have initiated disputes With XXXX multiple ways including but not limited to snail mail and phone. When I initiated the dispute via phone, within1 hour the information came back as updated and validated. XXXX advised me to dispute the debt with Monterey collections. I have told this collection agency that I dispute the alleged debt and asked multiple times for debt validation and they have not met myrequest. ( Please see my last letter to them and the certified mail receipt attached ). Monterey Collection Services has violated my rights under 15 USC 1681s-2 as well as my rights under the FDCPA.
I have disputed the debt with XXXX via mail and via phone, and let them know that I need detailed information. I do not recognize this alleged debt and no one can seem to validate it. XXXX keeps statingit 's verified and updated.
On XX/XX/2022 I mailed XXXX a letter requesting the description of the procedure they used to reinvestigate the item placed on my report. They have not sent me anything, essentially ignoring myrequest, and violating my rights under 15 USC 1681i.I need the description of the procedure of the reinvestigation used by XXXX so that I can get the same details they have that supposedlyprove the alleged debt is accurate.
Our financial system here in the USA depends on fair and accurate credit reporting. I am being harmed because negative items are showing up on my report and institutions are being harmed because they are reviewing inaccurate information about me which could be a costly decision for them based on erroneous information.
My goal is to have accurate and complete information about me reporting. I can't get XXXX or Monterey Collections to validate this debt or give me any details as to why they keep reporting this negative account on my report ; I continue to ask : what is the allegeddebt for, how the amount was calculated, when was the debt incurred, when did it first become delinquent, and why they thinkI even owe it. The undue stress caused by this unfairreporting is affecting my mental health, as well as my financial health.
XXXX XXXX Monterey Collection Svcs will not respond to me with anything other than a generic note stating the debt is valid.
Thank you for your time in helping me solve this matter.
XXXX XXXX Please see the following Exhibits Attached : XXXX File Number : XXXX Consumer report Exhibit A First letter Ever received from Monterey collections Exhibit B Last Letter to XXXXExhibit C Proof of deliveryExhibit D LastLetter to Monterey collectionsExhibit E Proof Of delivery : Exhibit F
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| 01/19/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Communication tactics
- Threatened to take legal action
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Web |
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Received a call from Monterey debt collecting agency. spoke with XXXX first day, very rude. when she asked about me paying debt in whole I told her no she responded with " then what are you calling for XXXX XXXX '' I began to respond but then got frustrated at the way she was talking to me and told her she was a rude XXXX Today I received another phone call from her coworker XXXX who was just as aggressive and rude. and when I told her I was not able to make that payment in full she did not offer me a payment plan. I had to ask. She said yes what could you pay I told her {$5.00} dollars she said that is not good enough and as I was trying to ask her to help me figure out a reasonable payment she starts getting more aggressive and began to tell me when to speak and says that I knew I had to pay this and that this is my fault and a long list of other things. She asked me why I even have a debt and I began to say why she then cuts me off again after just telling me that I cut her off. Her communication tactics were to get me upset enough to say that I refused to pay. she said that she was going to mark this as a refusal to pay and terminate the call. after I asked her repeatedly to help me figure out a reasonable payment. She never helped me figure out a reasonable payment and just kept getting loud and talking over me. I asked her how is anything supposed to get resolved if you do n't even know how to talk to me. Her goal was never to set up payments because when I asked for solutions she kept being rude and repeating to me that this was my own fault. she terminated call. when I called back her coworker gave me the supervisors number and told me she did not need to speak to me. yes in the recording I called XXXX a XXXX for being rude and I had to talk over XXXX to even be heard. XXXX said that because {$5.00} dollars was n't going to help that I needed to pull out a loan and or get a credit card and pay today or they will report this as a negative on my credit. not once did she try to help me figure out a reasonable payment plan again that was n't even offered to me. I asked to be switched to someone else and she kept talking. nothing got resolved and I was disconnected. I believe I was put on hold and I had to hang up because I did not hear anyone which was her goal again to get me upset enough so she could mark my file as refusal to pay when I never said I would n't pay, I feel as though XXXX and XXXX should have better communication skills. Collecting a debt or not the way I was handle was not okay even after asking for help from XXXX to see what should I do her only response was fast talking me and telling me to get a credit card to pay today. I am currently at work I will not stop what I am doing to leave work to go get a loan or credit card I can not afford. I understand that debt collectors are trained to be aggressive but if Im asking for help to figure out a payment plan what was the reason for them being aggressive even after I allowed her to belittle me I asked can I speak now she talked over me and continued with saying {$5.00} dollars is n't going to do anything versus us coming up with a solution. I do n't believe she had the intent to set up payment arrangements at all
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| 05/05/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Problem with the payoff process at the end of the loan
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Web |
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Bank in California. When my son went to pay off his loan in full, the bank told him he was two months behind. He paid it, but our records showed he was only one month behind and he was on autodraft. This Bank really should be audited, they made him a charge off two weeks before any missed payment, to collect more money in federal funds I assume, but he was paying monthly on auto draft so how could be be considered a bad debt? They insisted he use some new account number and locked my online sign-in so I would have to create a new account to access banking information. We didn't do that, because it seemed shady as we were at the end of our loan term. He is paid in full well over, including an added cost to keep the puppy, like he was from a rent-a-dog.
Guess what I get today in email, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Subject : Your XXXX XXXX Account Account NumbeXXXX XXXX XXXX XXXX XXXX XXXXs account number here ) ( my son 's name here ) This is a friendly reminder regarding your account with XXXX XXXX XXXX / XXXX XXXX. You have an upcoming payment of {$140.00} due on XX/XX/2021.
You can visit our website at https : //consumerportal.montereyfinancial.com to review your account information, make a payment, sign up for automatic payments, receive payoff quotes, or sign up for our voluntary debt protection program. If you have an existing online account established, simply enter your user name and password. If you need to create an online profile click 'join now ' and create a user name and password.
Please note that if you have already authorized a payment to be debited or are already set up on recurring payments, this email requires no action on your end. If you foresee any issues with the payment being debited or need to update your billing information, please contact our office two business days prior to your payment draft date.
**As required by law, you are hereby notified that a negative credit report reflecting on your credit record possibly could be submitted to a credit reporting agency if you fail to fulfill the terms of your contractual obligations in a timely manner.
Sincerely, XXXX XXXX Account Representative This is an attempt to collect a debt. Any information obtained will be used for that purpose.
The state Rosenthal Fair Debt Collection Practices Act and the federal Fair Debt Collection Practices Act require that, except under unusual circumstances, collectors may not contact you before XXXX XXXX or after XXXX XXXX They may not harass you by using threats of violence or arrest or by using obscene language. Collectors may not use false or misleading statements or call you at work if they know or have reason to know that you may not receive personal calls at work. For the most part, collectors may not tell another person, other than your attorney or spouse, about your debt. Collectors may contact another person to confirm your location or enforce a judgment. For more information about debt collection activities, you may contact the Federal Trade Commission at XXXX or www.ftc.gov.
Help Desk Header Monterey Financial Services LLC XXXX XXXX XXXX XXXX XXXX XXXX California XXXX United States We paid $ XXXX for an untrained puppy, double his cost.
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| 11/02/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Account information incorrect
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Web |
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On XX/XX/15 I received a medical loan for {$5900.00}. The rep on the phone gave me the name of one of their doctors that accepts their loan and I had a procedure done. I was making payments until soon after the XXXX when I realized the doctor really messed up the XXXX. He couldnt keep the incision shut to heal and I had to keep going back and forth to NY from NJ for him to XXXX the XXXX XXXX XXXX XXXX XXXX XXXX XXXX The last time he said, these XXXX are like the cables on the XXXX XXXX so this time it will work. It didnt and I remember getting out of the shower and slipping in my own XXXX all over the floor. I called the dr when those XXXXXXXX XXXX XXXX and he told me to put the phone on speaker and he was going to talk me threw doing a procedure on my own self. I hung up on him and went back to the ER. There were complications so bad I wound up having to use the money I was going to pay the loan back with to have the XXXX redone again ( sadly, by the same dr because he gave me a discount and I couldnt afford any more! ).
I called the loan company many times crying in panic about their doctor and telling them I couldnt even take care of my new baby and toddler because I was in so much pain and having so much XXXX. They were so rude and unsympathetic. I couldnt believe it. They told me they have more than one doctor and that I chose the dr I used but I didnt! The woman one the phone from their company said I should use their dr that operated on me. I still have problems with that injury that just get worse as time goes on and I know Ill need XXXX again in the future and Im already XXXX. Their dr got paid two times for the same XXXX he admittedly messed up after first telling me he, could do it with his eyes closed when I first met him. My family is still in disbelief and two of them were with me on his appts because I was so hurt I couldnt drive myself to his state over and over.
Throughout the years the amount they report to my credit report has consistently gone up and up and the account still says its open. I have found inaccurate details they reported and disputed it, only to have the company correct the details and re-report it again. I just disputed it again last week and it must have made them mad because they added another unexplained {$170.00} to my credit report all of a sudden for no reason. I realize companies can just claim they charged a fee for any reason at all but this can not be legal and its certainly not moral. I have also filed a report with the FTC years ago about them.
My question is, is this company allowed to keep reporting higher and higher unexplained and unfair amounts on my credit report forever until I die??? Is this account also open until the day I die??? How is this fair? Theyre reporting an amount that is over THREE TIMES what the original amount was. How should I even have had to pay them for what their doctor has caused me just to have to pay again to fix it. A lot of pain, money, time, my body is disfigured now, I have to live with what their doctor they sent me to did and I missed out of the whole first year of my sons life and the second year of my daughters life. Please help me! I am a good person.
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| 09/27/2021 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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With life changes we decided to negotiate an exit of our contract with Monterey Financial Services on multiple occasions but we're not given proper feedback and/or options to how to proceed. To begin, my wife and I traveled to XXXX, Hawaii and felt swindled into attending 2+ hour meeting. During the meeting, we actually declined offers and tried to leave multiple times but felt pressured, even were boisterously reminded that we would not get our reduced price for surfing lessons if we left. Having negative feelings the entire time, we felt we had no option but to stay even though we knew we could not afford nor wanted the services they offered. Again, we attempted to politely decline offers at the end of the seminar but then were demanded to talk with a manager in a separate room to listen to our concerns and to negotiate pricing. In what initially was supposed to be a quick meeting for reduced surfing lessons quickly began to be something more than what we wanted to sign up for. With given an " offer we could not pass '' with such a discounted price we inevitably and hesitantly became clients with XXXX XXXX XXXX XXXX on XX/XX/XXXX thus signing a contract attached with Monterey Financial.
Soon after the initial agreement, my wife and I wanted/needed to end our contract for multiple reasons but most notably we simply did not ever use their services. Although we still were not using their services we continually paid the monthly fees on time and in full never missing a payment. This began on XX/XX/XXXX through XX/XX/XXXX amounting in {$1900.00}. Beginning in XX/XX/XXXX, we tried to call representatives to negotiate pricing to exit the contract but were not given the option to. Because of this we felt it was in our duty to not continue paying until we were given assistance on helping our situation. We contacted several lawyers to help our case, however, the fee to assist us would exceed the amount that Monterey Financial Services was charging us. We decided to continue talking with representatives but they began threatening us saying they would send us to collection thus hurt our credit score and other scare tactics putting us in legal jeopardy.
While we continued to find solutions to this unfair contract and malicious company things got even worse. The calls came daily, even multiple times a day to both XXXX and I 's cell phone. After being responsive their tone and demands we extremely rude and threatening. We again felt pressured and stopped answering their constant calls. It wasn't long after that they sent us to collection after trying to work with them for a proper exit.
To this point, we still get threatening calls and now are now unfortunately heavily impacted by Monetary Financial Service poor business ethics. Before our relationship with Monetary, our credit reports were flawless. We own a home, a car, and finance other things and take great pride in doing the right thing. We are never late with any bills and this situation does not reflect who we are and how we handle our finances. This is something we have tried to fix for numerous months and would greatly appreciate further assistance on this unfortunate matter.
|
| 10/25/2015 |
Yes |
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- Communication tactics
- Frequent or repeated calls
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Web |
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On XXXX/XXXX/2015, I purchased a membership with XXXX XXXX XXXX XXXX XXXX. I received a letter in the mail pertaining to a free 5-7 day vacation. I called the number and spoke with a representative that told me I would get a free vacation for attending a presentation they were having in the XXXX, XXXX. The rep said that the vacation was completely free and the only fees I would be responsible for would be porting fees wherever I chose to port from. I asked if this were a timeshare presentation and was told no. The rep said they were nothing like timeshare but they turned out to be exactly that. I went to the the presentation expecting to receive a free trip. My wife and I already owned timeshare with XXXX XXXX XXXX in XXXX XXXX XXXX, so we had no plans of signing up for another. A gentlemen by the name of XXXX was the speaker. He was also the manager. He asked if anyone in the room has ever had timeshare. He went on to talk about how timeshare is a waste of money and you have to pay maintenance fees for the remainder of your life. He also said that the children of timeshare owners would inherit the timeshare obligation. He made us feel as if we had made the worst decision possible by having timeshare. XXXX went on to say that they would be able to get anyone that had timeshare out of their contract. We met with a sales rep name XXXX after the presentation that told us we would be out of contract with XXXX XXXX in about six months if we agreed to a membership with them. After about 4 hours, my wife and I decided to join XXXX XXXX. About a month after we signed our contract we tried to schedule a family cruise that was the price as one my wife found on XXXX. XXXX said their prices would save us a ton of money but that was n't the case. We were paying them {$230.00} per month for vacations we could find on any website. The free trip that I was promised was n't free. I would also have to pay processing fees among other fees that would cost me about $ 700- {$800.00}. They also did not explain that I would have to pay renewal and regular monthly dues in the same month. Nothing they promised me they have done. I have been receiving calls constantly from XXXX and Monterey Financial Services who the finances the loan. I explained my concerns to XXXX who was the customer service rep I spoke with. A few days later I received a call from XXXX. I advised them not to call me again but I have continued to receive phone calls. They have called me several times about this account after I told them not too. They have also called my wife on multiple occasions and she has no obligation to them because she is n't on the contract. The most recent call I received was on XXXX/XXXX/2015 from XXXX. The sound very angry in her voicemail and said I must return her phone call by the end of the day to avoid having the account go to collections. I have chosen not to pay this account because I have been lied to and been misinformed about everything. I have n't received anything they promised me. I feel as if I were scammed and do n't feel I should be obligated to pay the reminder of this contract. My credit score has also been affected negatively by this account.
|
| 10/15/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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-My wife and I signed a contract with XXXX XXXX XXXX XXXX XXXX XXXX timeshare in XXXX .
- The contract was subject to misrepresentation, and fraud. We had already paid {$3300.00} US dollars, which represents a 40 % of the entire amount, and never received any services, because they couldn't provide what we were promised at the time of the signing.
- When we tried to cancel the contract, XXXX XXXX XXXX didn't answer.
- Now, this foreign Company that doesn't comply with XXXX contract standards, is using a US Company, Monterey Collections, to collect money for services they didn't provide.
This is what happened : On XX/XX/XXXX, we signed a timeshare contract with XXXX XXXX XXXX XXXX XXXX XXXX. At the presentation, we were five adults and two small children. The first thing they asked was if we were American Citizens, because the opportunity they were offering was only for the US market. We were there from the morning to the end of the afternoon, they offered alcohol to the adults and games to the children, and they promised several benefits, until we all agreed in the terms of the contract. The main selling point was that we could adjust 7 nights in a single room, to 5 nights in a double room, to accommodate the whole family. For that, we only had to use what they called " preferred points '', that were available in low season, without additional payment. All 5 adults made emphasis in this, because our main driver was for the whole family to share vacation together. Like I said, this was the biggest selling point.
On XX/XX/XXXX, we called to make a reservation, just to find out, that there was a {$450.00} fee for using the " preferred points ''. Such fees were never mentioned by the sellers, and they are not written in the contract. After several calls, one of the agents told us that the contract is governed by the Book a Rules.This book was given to us after the contract was signed, with other brochures and timeshare information.
After several calls, they wouldn't provide us what they had promised the day of the signing. So, on XX/XX/XXXX we emailed XXXX XXXX XXXX, expressing our intention to cancel the contract, they didn't respond. We sent the same cancellation letter through certified mail, and it was returned to us, unopened.
We continued receiving emails and calls from a company named XXXX XXXX , XXXX, based in USA, in charge of collecting payments, but when we asked them about the contract and cancellation intention, they just said they are a third party, and that we have to contact XXXX XXXX XXXX directly.
XXXX XXXX, XXXX has several complaints in XXXX for the same problem with XXXX XXXX XXXX 's fraudulent contract.
On XX/XX/XXXX, we received a pdf document in our personal email, and have been receiving collection calls, and voice-messages in our personal cellphones during working hours, from Monterey Financial Services, trying to collect the debt to XXXX XXXX XXXX XXXX XXXX XXXX.
What steps can we take to protect our good standing credit records, and dispute this fraudulent debt from a foreign Company, accused by several American consumers of having misleading and dishonest contracts?
|
| 05/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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In reference to the following account below : MONTEREY COLLECTION SV Acct # XXXX XXXX XXXX Acct # XXXX XXXX Acct # XXXX In accordance with section 602 an of the Fair Credit Reporting Act ( 15 USC 1681 ), " There is a need to ensure that consumer reporting agencies exercise their serious obligations with fairness, impartiality, and a respect for the consumer 's right to privacy. '' I am the consumer, and XXXX are consumer reporting companies. According to 15 USC 6801, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information, '' I have the right to ensure that my private information isn't shared. A financial institution is one that " ( Furnisher information to credit agencies ) is by definition under that designation. According to section 2 of subsection ( a ) of section 604 of 15 USC 1681, " In general, anyConsumer reporting agencies may only provide a consumer report under the following conditions : in line with the consumer to whom it relates explicit instructions. ( Furnisher of information to credit agencies ) The financial institution and the consumer reporting companies XXXX do not have my consent to provide this information, and they most definitely do not have my written consent. Any and all consents, whether expressed orally, nonverbally, in writing, implicitly, or otherwise, to XXXX ( Furnisher of information to credit agencies ) are canceled. According to 15 USC 6802 ( b ) ( c ), " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party without first providing the consumer with instructions on how to exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never made me aware of my option to withhold information. Furthermore, according to 15 USC 1681C ( a ) ( 5 ), " No consumer reporting agency may make any consumer report that contains any of the following items of information, except as authorized under subsection ( b ) Any other adverse item of information, other than records of convictions of crimes that predate the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX do not follow reasonable practices. A consumer may exercise their right to opt out at any time, according to 12 CFR 1016.7. I choose not to use your reporting services and opt out of them.
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| 02/25/2022 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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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
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| 05/07/2016 |
Yes |
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- False statements or representation
- Attempted to collect wrong amount
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Web |
Older American |
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I received a letter dated XXXX XXXX, XXXX from Monterey Collections ( XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX Account No : XXXX ), stating that I owed {$2400.00} for laboratory work performed by XXXX XXXX XXXX , XXXX.
My physician, XXXX XXXX, XXXX, who has been my doctor since XX/XX/XXXX, recommended this lab because of the broader range of testing they perform.
I informed XXXX XXXX that my insurance plan requires that I utilize lab services at XXXX XXXX XXXX XXXX for coverage. He assured me I would not be responsible for any charges even if my insurance did not cover these services. He had previously explained this in similar fashion to my husband who used these services. Our insurance may a partial payment and the lab wrote-off the balance, as was stated to him by XXXX XXXX and the laboratory on the day of the blood draw.
When I reported to the lab 's local draw-site I restated my concerns of coverage before any XXXX and was reassured that I was not responsible for any charges, and that I would not be billed. XXXX is part of my XXXX and is covered by insurance. The collection date was XXXX/XXXX/XXXX.
On XXXX XXXX, XXXX, received the above noted letter from Monterey Collections and I immediately called them with the previously stated explanation. The representative made the statement that the doctor sent me there because he receives a kickback from the lab ( her statement, not mine ) and regardless, I still owe {$2400.00}. She also stated that the sales reps lie and asked if I had the statements in writing, which I do not. I was told by my doctor that the lab takes what insurance pays and there is no further charge. I had no reason to believe my physician was not being truthful. I am quite sure he was told by this laboratory that this was their policy. I went to this lab in good faith, and furthermore, I checked with them again on their policy at that time and I was told the same information. If there was a policy change, it should have been posted at the laboratory draw center and I should have been informed at that time.
In my opinion, I believe I am a victim of fraud. Fraud in health care is defined as an " intentional act '' of deception or misrepresentation. I very clearly stated my concerns regarding using this lab and was reassured that I would not be responsible for any charges. Furthermore, I never received any bill for this service until now, 16 months later, and that bill is from Monterey Collections. I have additional concerns that my credit rating will be tarnished and this may affect my ability to transact business in the future. I am extremely concerned my good name has been potentially damaged.
Please investigate XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX. Attached is the letter I received from the Collection Agency.
I believe there are many other victims of this laboratory 's deception.
Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
XXXX, XXXX XXXX XXXX
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| 03/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Credit monitoring or identity theft protection services
- Problem with product or service terms changing
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Web |
Servicemember |
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I had a relative whom was contacted possibly under my name or possibly under there name. However, they went to an in person sit down and was offered trips of some sort with ( XXXX XXXX XXXX ). They had my relative contact me for additional trips if I could show up. Upon me showing up I witness the representative offer an active duty soldier a deal on there merchandise. She informed the soldier once she comes back she could switch the services or cancel. By that time I was asked my credit score level because it could save the soldier money on the merchandise. I informed them I had a XXXX or XXXX. They asked me could I pay for two months until the soldier came from training I informed the soldier I would keep up the payments until they come back. During this time the company ( XXXX XXXX ) never provided any login, any information they promised, and there offered seemed fraudulent. As we XXXX them we found out it was a personal scam and the company sold the account to some company in California ( Monterey financial collection ) .But they working under a new company name in the current city. The company has a credit card payment and no activity of there merchandise being used and we called to cancel the policy because we had no use for it. Everything we agreed upon was thrown out the window to gather the higher person information. The Monterey company whom purchased the account said they are watching my personal credit score and report each day from there desk trying to force me to pay them for a services I never wanted or agreed upon or was ever contacted by anyone for there services. This company doesnt have any of my information on file incase I call in and discuss the matter of why they cant remove themselves from my report because I never wanted there services. The contract or papers they say is a contract came months after speaking to the representative from the company saying they where going to remove it but not return the payments received which was there scam of 2 months. I honestly dont know anything about this company I was applying my card for payment of the other party until there services where completed be the army. I personally believe from the misinformed information provided stating the payment could be switched The account was of someone else who sat in with the company and agreed or disagreed. The representative knew the person paying would be stuck and the policy would belong to that person. That person never agreed or wanted to be a part of what was being sold. That person never knew what was being sold or offered. Because, I walked in to meet the soldier and ask them if thats what they wanted to do ; furthermore, I told them Im not interested in any free trips or any offers. Im only here for the soldier, which told the representative they dont know what card would have money on it but this person can make the payments and I send it back to them. This is how I end up involved in the matter, but not once agreed to a policy.
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| 03/02/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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Monterey financial contacted me last year sometime in the fall of XXXX with a letter stating I had a collection account with a dentist. They stated if this is not true please write us within 30 days. First, I called the dentist and they had told me I dont owe anything and that I paid the balance directly to the dentist in full on XX/XX/XXXX. I had ask for a record from the dentist but they stated just have collection company contact them if there was an issue.I then wrote a letter to Monterey financial and let them know I didnt owe the debt. I never heard back from them.fast forward to XX/XX/XXXX I get a notification that my credit score dropped due to a collection on my account. I immediately called Monterey Financial and they stated they had received my letter last year but they were still waiting to hear back from dentist. ( No follow through on their part ). I asked how can we prove to you since emailing doesnt work. They said have dentist call us. What I did instead is called the dentists with the operator on the line and she said that wont work. I told her to stay on the line and listen for the answer she needed. Then she tells me and the dentist that she needs a statement sent to me so I can forward to Monterey financial. Ok great, so I got one. Didnt hear anything back from Monterey so I called. Spoke to XXXX and she had stated that statement wouldnt work either ( even though it clearly showed I paid it in full XX/XX/XXXX ).
So I got ahold of the dentists again and copied Monterey financial on it so they can send the statement to them directly. Told them to take the collection off my credit file as it hurts me as a consumer and a business. Hadnt heard anything back from Monterey so I called them again. XXXX told me collection is as stands on credit report and this case was basically closed, then she told me to hold on. Gets back on the phone and tells me collection was closed on Monday the XXXX. Asked if she sent any thing to collections to take off my record. She said no. ( Keep in mind it is now Friday the XXXX ). I asked her to take it off my credit report ( she says it can take up to 30 days ) I also asked her for proof and send me the letter, XXXX also told me that can take up to 24 hours to get me a letter in an email. Fast forward to XX/XX/XXXX- it clearly has been more than XXXX hours, and still no letter from XXXX. At this point I seriously doubt she sent anything to Collection agency. I emailed my dentist again and threatened a lawsuit and Monterey financial and then I got a letter stating she sent to credit companies on the XXXX and letter was dated XX/XX/XXXX.
This company has fraudulently put my account in collections. They bought out another collection agency and assumed all debt was valid when it wasnt.
This company has very bad business tactics and has no follow through.
If I were to mess with their lives like they have mine I am sure they wouldnt be too happy.
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| 07/19/2023 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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I signed up for a time share and immediately after signing up for the time share my credit card was stolen. I reached out to the XXXX XXXX by XXXX XXXX and informed them my card had been stolen and I needed to update my credit card information. I was told that my credit card information had been updated and payments of {$210.00} would be taken out of my account for the first 6 months then it would swtich to {$97.00} monthly. I reached out to XXXX XXXX XXXX XXXX in XXXX and informed them that my payment had not came out my account and was informed the {$210.00} had been pay off and the {$97.00} should have came out in XXXX. I let them know the payment had not come out and they said they will look into it, I was not aware that two different companies were handlng these transactions until a received a threatening email to put negative marks on my credit. I reached out the the Monterey Fianacial several times and was unable to get ahold of a rep. I responded to the email letting the company know that i was unaware the ACH did not transfer over the this company and I willing to make a payment for the two past due payments of {$97.00} and the company refused to take my payment unless I pay all the fees. I asked for statement of the fees and I was told they dont provide that unless I pay {$10.00}.
I asked for any letters that they sent to my home stating I needed to updated my credit card information and they told me they dont send letters to a person home that is in the contract I signed. I asked could they resend me the letter they sent to me via email saying that I needed to updated my credit card information or I will be charged fees she said they only send contact us letters. I informed the rep thats not true I just received an email stating that I owe {$290.00} and you are going to put this on my credit report.
I informed the lady, I am willing to make a payment today for the two past due payment but I was under the impression when I updated my credit card information the payment were being taken out. I would like those fees waived and any fees after this I would be responsible for and she refused my payment saying they would only take the ayment if I pay the full amount.
Refusing to send a statement breakdown of the fees owed and not taking my payment unless I pay these fees and you have not proven to me that I owe them is a deceptive practice. In addition these payments stated 6 months after I signed the initial ACH so to not notify me that these payments are coming due via email or regular mail is deceptive. In addition not being informed that I need to update my credit card information with Monterrey at they time when I updated my credit card information is deceptive as well and a easy way for a company to collect unwarranted fee from customers.
There is a whole XXXX group complaining about these practices and someone should probable investigate what is going on with this company.
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| 01/25/2017 |
Yes |
- Consumer Loan
- Installment loan
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- Managing the loan or lease
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Web |
Servicemember |
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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.
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| 03/02/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
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Web |
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I was a victim of identity theft in XXXX and recently in XXXX through XXXX. I was notified by IRS XX/XX/XXXX that I had been a victim of Identity theft which I was advised to check my credit report as well. When I checked my credit report I found two accounts that I did not recognize. They were XXXX and Monterey Collections. Once I found this I contacted the credit reporting bureau to place a fraud alert and to dispute those items. I submitted police report, IRS affidavit as well as ID social security card and an insurance document to verify my identity. I sent it to XXXX and XXXX Credit Reporting Bureaus and I also sent it to XXXX and Monterey Collections. After that I recieved a letter from Monterey Collections stating that they legally did not have to verify any information with me because of a 30 day clause. So, I did contact them and let them know that I just became aware of the situation that I have forwarded all documents to prove that this information was not mine. I also told them that another company was also reporting this information on behalf of XXXX. After that there was no other correspondence with either of the two companies. XXXX sent me a contract where they had my name and my husband 's name. So XXXX asked did I know who could have done this, I told them that I was not aware and I have not heard back from them either. But what they have done, they have sent to XXXX and XXXX that those account have been verified. However, those accounts that they are saying that are verified are not mine and they are only one account that is being reported as two. I then submitted a letter to both XXXX and Monterey on XX/XX/XXXX, since they said that they would not verify the account with me. In my letter I requested validation of the accounts pursuant to 15 USC 1692G Section 809B of the FDCPA. I also included in this letter that until the items that I have requested have been validated that they are not to continue to keep reporting to the bureaus and that they have 30 days from XX/XX/XXXX to provide documents of which they have not done. Also XXXX claims that these items are no longer appearing on my credit report which is false information. They are still reporting as a Open/late account and Monterey Collections is reporting as Open/Collection. I spoke with XXXX with Monterey Collections on today, XX/XX/XXXX who stated that she received my letter requested for Validation and Cease and Desist of any collection activity and reporting and they have continued to do report false information without providing requested documentation or verifying the documentation I provided to both companies. Therefore I am emclosing those same documents submitted to XXXX and Monterey Collections to your office regarding this complaint.
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| 04/05/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Charged fees or interest you didn't expect
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Web |
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On XX/XX/XXXX I called Monterrey Financial to find out why they were reporting the incorrect balance to my credit companies and the gentlemen explained that they report the actual balance with the interest and not what the actual payoff amount would be, we had a little argument about a {$85.00} fee that was to be waived and was never waived, I ended up telling the " account manager '' that I will just payoff my account and be done with them, we set up everything he confirmed payment will be taken on XX/XX/XXXX. On XX/XX/XXXX I get notification from my bank that a transaction was denied for Monterrey Financial. I immediately called my bank and they explained that they denied it thinking it was fraudulent activity and they needed me to call and verify, they fixed the issue on their end so that Monterrey Financial could take the payment. They advised me to call back Monterrey Financial and have them re-attempt to take the money, which I did, but the other supposedly " account manager '' that answered was talking to fast confirming everything that the only thing I understood was {$780.00} and my pay off was supposed to be {$730.00} I asked they guy where did the difference came from and he said a recovery fee. I asked him why a recovery fee if my money was on my account and my back is just doing their job of stopping fraudulent activity and they were supposed to take their money on XX/XX/XXXX & not on XX/XX/XXXX, it is not fair that I get penalized for something out of my control. The guy would not let me talk and kept over talking me and only thing I kept on hearing that I authorize a payment of {$760.00} and I am trying to stop the guy to tell him I am not authorizing a {$760.00} payment and he just talking saying Ok you authorize the payment to come off your account today XX/XX/XXXX, I said one more time I am not authorizing that payment and he then said ok you authorize the payment for the XX/XX/XXXX. I ended telling the guy you are not authorized and I hanged up. I called back and asked to speak to someone above a account manager as everyone that I speak to every-time is an account manager, a lady named XXXX was nice enough to get me a leader named XXXX. XXXX called me back I explained the situation and she was very understanding and was actually able to resolve my issue and confirm to me that on XX/XX/XXXX the payoff of {$730.00} would be charged to my XXXX and she waived the fee. I want this dispute to be taken into consideration as I expect that a company providing services would not try to cheat costumers into authorizing payments without their consents and the gentleman I had the displeasure of dealing with today treat others with the same attitude.
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| 05/22/2018 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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My husband and I went to XXXX to look at some small dogs XX/XX/XXXX. While we were there we fell in love with a 3 months old XXXX so we asked the clerk how much are they asking for the puppy. She stated {$1400.00} which I thought that price was a little deep but my husband was so adamant about taking her home so we asked about financing, She said all she needs is some information from me and to see if I can get approved. So she was using a small tablet to do the application for me and since I had the strongest credit score, I provide her with my credential. She informed me that I was approved by XXXX XXXX. The FINANCE amount is {$1300.00}. My husband and I agreed to pay the {$1300.00} early. In XX/XX/XXXX I check my credit report and saw that Monterey Financial Services was reporting a balance for {$3500.00}. I immediately called Monterey Financial and asked the female representative why are they reporting the balance {$3500.00} and what this for, she indicated that they are now servicing the loan from XXXX XXXX. I thought I was approved for {$1300.00}. The representative stated that I am LEASING THE DOG and that the {$3500.00} is the amount for 24 months lease. I was extremely bothered by this. I travel a lot on my job so I didn't have time to handle this accordingly. On XX/XX/XXXX, I called Monterey to asked why the payoff balance is not available online and why they don't provide you with a bill by mail. The representative informed me that you have to call them and they will provide a verbal quote. WHAT? I asked the representative why do we have to call you when it is difficult at times trying to reach a representative. On XX/XX/XXXX, I finally reached someone over the phone and I spoke with ( XXXX ). I asked XXXX for a payoff and she quoted me {$970.00} for an early payoff. I informed XXXX that her company is 1. predatory practices 2. the company is preying on consumers and 3. I am disputing this payoff after we have already PAID {$1800.00} and we will not send this another dime. I asked XXXX to email me the quote to have this ridiculous payoff in black and white. XXXX XXXX ( XXXX ) sent the email and I responded to the email to inform XXXX XXXX I dispute the quote in writing and to ask her how she came to the payoff quote after the online payment history does not provide itemizes details. I requested for XXXX XXXX XXXX ( XXXX ) to provide me with the information before the close of business if XX/XX/XXXX, or I considered the payoff invalid. XXXX XXXX sent me an email XX/XX/XXXX, with some figures she typed in the body of the email. I will attach the email conversation to my complaint.
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| 05/26/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
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Monterey collection services continues and refuses to admit the fraud They are committing as well as the violation of the fair credit reporting act and the fair debt collecting practices, when I summited a complaint about fraud and violations for not sending me a 30 day notice they know it a violation and all debt collectors lie about sending them, I have now have multiple items of evidence of fraud on there part now, 1. They are trying to state that the email address they say is on file for me is mine, thats a huge wrong the email address they state is mine has never been associated with me ever, 2. Proof of them deleting my original account off of my credit report when payments had been made to original creditor that were magically deleted and reset as well as improper balance and extra charges than what my account balance was at before they deleted it, proof is fraud they deleted the original account and reset the balance and raised it= theft were did the money they received go? Answer THEFT TAKE MONET APPLY TO BALANCE THAN RESET ACCOUNT WITH FRAUDULENT INFORMATION AND THEFT OF TAKING MONEY AND NOT SHOWING IT PROPERLY ADDING EXTRA CHARGES AND HAVING ORIGINAL BALANCE RAISED AS WELL AS DENYING THEY NEVER SENT ME A 30 DAY NOTICE AND ADMITTEDLY DENYING THEY NEVER DID WHEN I QUESTIONED IT, DELETING THE ORIGINAL ACCOUNT NOT CHARGING OFF TO DELETE XXXX REPORT FALSE DATES, 3. PUTTING STATMENTS ON MY CREDIT REPORT STATING I SAID IT WAS ACCURATE WHEN I NEVER SAID XXXX, 4. TRYING TO STATE THAT THERE XXXX MEETS THE FCRA REQUIRED REPORTING, IF IT MEETS THE REQUIREMENTS OF NOT VIOLATING THE FAIR CREDIT REPORTING ACT EXPLAIN HOW DELETING THE ORIGINAL ACCOUNT AND KEEPING THE MONEY I MADE PAYMENTS ON WAS MAGICALLY DELETED AND NOT REPORTED ANYMORE AND DATES WERE DELETED TO COVER IT UP AS WELL AS THAT IS THEFT TAKING MONEY AND DELETING THE ORIGINAL ACCOUNT AND REMOVING THE PAYMENTS THAT WERE MADE YET YOU KEPT THAT MONEY VIOLATING THE FAIR CREDIT REPORTING ACT AND FAIR DEBT COLLECTING PRACTICES BY PUTTING THE ACCOUNT BACK UP WITH NO PROPER NOTICE AND LISTING EMAIL ADDRESS AS MINE I HAVE NEVER HEARD OF, NOT SURE WHAT XXXX GAME YOUR PLAYING, BUT THANKS TO BEING OUT OF WORK CAUSE OF COVID-19 GAVE ME LOTS OF TIME TO RESEARCH AND FIND MY EVIDENCE AGAINST YOU, YOU BASICALLY SAID ON MY LAST COMPLAINT I HAVE NOTHING TO SUE FOR, WELL THINK AGAIN NOE THAT I FOUND ALL MY ORIGINAL PAPERWORK AS WELL AS PROOF OF FRAUD AND THEFT BY DELETING MY ORIGINAL ACCOUNT AS WELL AS PAYMENTS MADE AND NOT REPORTING THOSE PAYMENTS ANYMORE YET KEEPING THE MONEY= THEFT!! ONLY UPLOADING A FEW PHOTO DOCUMENTS HAVE LOTS MORE!!
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| 09/22/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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I have no debt nor do I owe any Debt to Monterey Coll SVC and I have never done business with Monterey Coll SVC, I Have been harassed by Monterey Coll SVC For at least 4 years now. Monterey Coll SVC has committed many consumer violations against me, I have received calls at my place of employment in the past continually Which is a Violation Of 15 U.S. Code 1692c. ( a ) ( 3 ) at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. They also have ruined my reputation and have disabled me from being able to achieve financial stability with their negative reporting, I have been unable to secure a home lease for me and my family which is a violation of The FDCPA 15 U.S. Code 1692d. ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. I was also threatened by an employee that used abusive language which Is also a violation of the FDCPA 15 U.S. Code 1692d. ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. These are all violations.
XXXX at ( Ext XXXX ) Is the Employee who used abusive language.
Monterey Coll SVC States That I owe {$1100.00} In which I Do not.
I Sent out correspondence in which I uploaded those correspondence that I sent here In the file.
I asked that they provide - Validation of the Debt That is, the actual accounting.
- A copy of the Contract binding both parties ( me and them ), In a letter by " certified mail '' So that their is an independent " Witness to it having been delivered. '' I have Given Monterey Coll SVC 30 Days to respond to my Correspondence and they have indeed not responded to my request.
Delivered Tracking # : XXXX Recipient Address : Monterey Coll SVC XXXX XXXX XXXX XXXX XXXX XXXX, CA CA XXXX 1. PRE-SHIPMENT INFO SENT USPS AWAITS ITEM, XX/XX/2020 XXXX XXXX, XXXX, AZ, XXXX 2. ORIGIN ACCEPTANCE, XX/XX/2020 XXXX XXXX, XXXX, AZ, XXXX 3. PROCESSED THROUGH USPS FACILITY, XX/XX/2020 XXXX XXXX, XXXX, AZ, XXXX 4. SHIPMENT RECEIVED ACCEPTANCE PENDING, XX/XX/2020 XXXX XXXX, XXXX, AZ, XXXX 5. PROCESSED THROUGH USPS FACILITY, XX/XX/2020 XXXX XXXX, XXXX XXXX, CA, XXXX 6. PROCESSED THROUGH USPS FACILITY, XX/XX/2020 XXXX XXXX, XXXX XXXX, CA, XXXX 7. ARRIVAL AT UNIT, XX/XX/2020 XXXX XXXX, XXXX, CA, XXXX 8. OUT FOR DELIVERY, XX/XX/2020 XXXX XXXX, XXXX, CA, XXXX 9. DELIVERED LEFT WITH INDIVIDUAL, XX/XX/2020 XXXX XXXX, XXXX, CA, XXXX The Document was signed for.
|
| 04/08/2017 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
Older American, Servicemember |
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departmentReceived phone call from representative with Monterey Financial on XX/XX/XXXX. The rep was very rude, threatening, demeaning, said I would be sued for payment, very loud, and insensitive. My daughter and grandson heard him. I did not get his name a he stated it very rapidly and did not clarify again. My husband wanted the tub before he passed in XX/XX/XXXX. His passing was unexpected due to XXXX. I suffer from XXXX and had taken care of him for years on XXXX. I order the tub anyway. At the time I ordered, I called the several times within the grace period stating that I did not want it because it was too noisy, dissatisfaction, and not according to my expectations. Presented information to operator on XX/XX/XXXX. She sent call to another department. No response. Called again and XXXX sent call to customer liaison, no response.. Spoke with XXXX customer liaision, with no success in canceling the order. Asked for supervisor and was directed to XXXX. No resolution. XXXX and XXXX stated someone would come out and check the noise and non-working air jets. I followed steps to get tub returned but was referred without any action taken. I was receiving XXXX dollars per month from my spouse to help with monthly bills. That money ceased after his death. I had unsurmountable debt from his hospital bills, other household debt, car payment, mortgage, utilities, credit card debt, that all fell behind. I tried to work out with this company and fell behind with payments. XXXX on a XXXX caused me to go XXXX in XX/XX/XXXX. I became so XXXX that I did not want to handle my bills that had fallen behind. I was grieving from my husband 's death and representatives from this company were always rude. I am trying to rectify my credit situation which will take time with my income as only source. I did not appreciate how the rep spoke to me. I am XXXX years old. I have nothing of substance that I could sell and get money to pay. I had set up payments and did not know they had returned. I did not check bank accounts. Too XXXX knowing that I owe debt and can not manage to get it paid. Started working a job at XXXX so that I can try to manage and get debt paid off. I tried to file bankruptcy but it would not leave me enough to buy XXXX that I must take daily to keep XXXX. Contacted a debt repair agency but discovered their fees and % would cost me more that I was paying. No one should speak to me in the manner this man did. His scare tactics did not work. I owe and want to pay but will not allow anyone to harass me. Whatever resolution can be made is appreciative.
|
| 11/21/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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THE COMPANY, MONTEREY COLLECTIONS, PURCHASED A DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANSACTION. ACCORDING TO 15 USC 3002 I AM A NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS IS NOT ME. MY NAME IS XXXX XXXX. 15 USC 1692 ( A ) ( 1 ) THE TERM " XXXX '' MEANS THE XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AND XXXX ARE ASSUMED TO BE CREDIT TO BE CREDIT BUREAUS AND THEIR IS ONLY ONE BUREAU AND THAT IS ONLY ONE BUREAU AND THAT IS THE XXXX XXXX XXXX XXXX, XXXX, XXXX, AND XXXX ARE ASSUMED TO BE CREDIT BUREAUS AND THEIR IS ONLY ON ONE BUREAU AND THAT IS THE CONSUMER FINANCIAL PROTECTION BUREAU. ON XX/XX/1933, CONGRESS ENACTED HJR-192 TO SUSPEND THE GOLD STANDARD AND TO ABROGATE THE GOLD CLAUSE. THIS RESOLUTION DECLARED THAT " WHEREAS THE DEALING IN GOLD AFFECT THE PUBLIC INTEREST AND ARE THEREFORE SUBJECT TO PROVISIONS OF OBLIGATIONS WHICH PURPORT TO GIVE THE OBLIGEE A RIGHT TO REQUIRE PAYMENT IN CONGRESS IN THE PAYMENT OF DEBTS. THIS RESOLUTION DECLARED THAT ANY OBLIGATION REQUIRING PAYMENT IN GOLD OR A PARTICULAR KIND OF COIN OR CURRENCY OR IN AN AMOUNT IN MONEY POLICY, AND. EVERY OBLIGATION HERETOFORE OR HEREAFTER INCURRED, SHALL BE DISCHARGED UPON PAYMENT, DOLLAR FOR DOLLAR, IN ANY COIN OR CURRENCY WHICH AT THE TIME OF PAYMENT IS LEGAL TENDER FOR PUBLIC AND PRIVATE DEBTS. 15 USC 1681 ( 3 ) ( E ) ( XXXX ) THE TERM : INVESTIGATIVE CONSUMER REPORT MEANS A CONSUMER REPORT OR PORTION THEREOF IN WHICH INFORMATION ON A CONSUMERS CHARACTER, GENERAL REPUTATION, PERSONAL CHARACTERISTICS OR MOD OF LIVING IS OBTAINED THROUGH PERSONAL INTERVIEWS WITH NEIGHBORS, FRIENDS, OR ASSOCIATES OF THE CONSUMER REPORTED ON OR WITH OTHERS WITH WHOM HE IS ACQUAINTED OR WHO MAY HAVE KNOWLEDGE CONCERNING ANY SUCH ITEMS OF INFORMATION. MONTEREY COLLECTIONS HAS ALSO INCLUDED IT'S SYMBOL WHILE ATTEMPTING TO COLLECT A DEBT WHICH IS A VIOLATION OF 15 U.S. CODE SECTION 1692b ( 5 ). I DID NOT GIVE PRIOR CONSENT TO COMMUNICATE TO ME. THERE WAS NO PRIOR CONSENT FROM A COURT GIVING PERMISSION TO CONTACT ME, THUS THIS COMMUNICATION IS A VIOLATION OF 15 U.S. CODE 1692c ( a ) WITHOUT A COURT ORDER BROUGHT FORTH. MONTEREY COLLECTION REPORTED FALSE AND INACCURATE CREDIT INFORMATION VIOLATING 15 U.S. CODE SECTION 1692e ( 8 ). THERE IS NO PRIOR CONTRACT WHICH AUTHORIZES XXXX TO COLLECT A DEBT FROM ME AND THERE IS NO PART OF A CONTRACT THAT EXPRESSLY AUTHORIZED THE COLLECTION OF SUCH AN AMOUNT. THIS IS A VIOLATION OF 15 U.S. CODE SECTION 1692f ( 1 ). I HAVE REQUESTED THIS COMPANY TO PROVIDE DOCUMENTARY EVIDENCE THAT A LAWFUL AND LEGAL VALID CONTRACT EXIST BETWEEN XXXX AND I.
|
| 11/19/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
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Dear Consumer Financial Protection Bureau I had Purchased a XXXX XXXX XXXXXXXX XXXX which was XXXX : XXXX from XXXX XXXX XXXX and the Address is for XXXX is XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX and XXXX made me a Merchant owner for the XXXX XXXX XXXX. However, after purchasing that Merchant website from Mr. XXXX XXXX which was the Senior Marketing Consultant for XXXX XXXX XXXX I realized that the New Business is not making any profit despite my time and effort. In addition, Mr. XXXX XXXX took Electronic Signature from me for the Retail Installment Contract for XXXX XXXX XXXX along with other Initial Signs before I read the Contract Paper Properly including XXXX Disclosure Form, XXXX shipping program rules, and Buyers right to cancel and notice of cancellation. Well Unfortunately the transaction date was XX/XX/XXXX and Mr. JXXXX did not ask me to read the contact paper before he approved the virtual online store finance Amount which was {$2800.00} and XXXX XXXX XXXX Charged my XXXX XXXX Credit Card ending in XXXX {$1200.00} for the down payment of the Retail Contract.
Moreover, when I requested Him that I am unable to Continue the New Business and I would like to close the New Business he Initially refused but later send me the closing form where I had Signed to close the New Business. The Merchant website was closed and the business was totally closed. However, after two three months of closing the Business I had received the Debt Validation letter Along with the Retail Installment Contract from a Collection Agency Named Monterey Financial Services , XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX. Since then they are keep sending me debt validation letter until this year XX/XX/XXXX and they are randomly charging the Interest amount on the Initial retail Installment which was {$2800.00}.
Also, they had opened a report on XX/XX/XXXX to the XXXX and the XXXX the leading credit Bureau Agencies. Currently on XX/XX/XXXX the XXXX report showing the collection Amount of {$4000.00} and The XXXX XX/XX/XXXX report showing the Collection Amount of {$4000.00} I have all the supporting document Retail Installment Contract, XXXX XXXX Merchant Account along with the XXXX disclosure form, Buyers. Right to cancel and notice of cancellation. Including the XXXX Account Closure Form. Please check all the document along with this description letter.
In Sum, I want to take this collection off from the XXXX, and XXXX Credit Report and Dispute the debt amount from the original Creditor Which was XXXX XXXX XXXX
|
| 01/25/2021 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
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Web |
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There are 3 companies involved complaints neamely : Monterey Collection Service, XXXX and XXXX XXXX, XXXX XXXX XXXX in XXXX, XXXX. My wife and I went there for a short vacation in our XXXX XXXX and on our last day, we went around some shopping center for some last minute shopping before our flight the next day, when one XXXX looking guy smile and approached asking if we are from the U.S. visiting and we said yes. He asked where we are staying and told us that there is a new resort being develop in XXXX which he said to be much better than what we have and said that if we will not be interested we can always say no and no force representation or selling will be made. That was in last week of XXXX in XXXX.
Upon learning that it's another time share, we hesitated and requested to get us back to our hotel but they said it will just take a short time and they will take us back, but to no avail we were there for almost 5 hours even if we keep on declining their sales offer, when the said owner manager, XXXX XXXX came and talked to us. We were at the point where we taught that we are being held hostage if we don't comply even if they told us to initial some sales document while signing it in duress but i told them to sign an agreement that they will cancel our existing timeshare with XXXX for us to transfer with them, and they agree, being witness by one of their representative which i have a copy.
After signing the contract and were able to get a down payment using our credit card from XXXX, they let us go and when we get back to the US, few days after, they told us that they were not able to cancel our agreement contract with XXXX, but the monthly payment for the contract continue even after i advise XXXX credit card to put a stop payment of this account in XXXX of XXXX. Then here comes Monterey collection saying that they are taking charge of collection for XXXX XXXX XXXX XXXX, even I them that in the contract that we signed can only be enforced in XXXX. They have been bombarded us with calls and threats and i want this to stop. About XXXX account i already have the account close but when i referred to them the computer generated billing that they say " cant do anything about it '' because they don't know how to take it out of the system. Now they send me a letter discounting the generated amount if i want to settle, but i refused. Now they are trying to ruin our credit because of this.
Thank you for taking the time to looking at this complain
|
| 07/28/2023 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
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I started a XXXX XXXX program that promised hands on experience, a number I can call for help with any questions as well as a XXXX but I had to pay XXXX until XXXX was paid off I was excited but I was realizing everything they promised me I was not getting. XXXX XXXX would call every week to Explain real estate all the coach did was explain a bunch of information fast without giving me any space to talk or ask questions at the end when he finished he would give me homework on things I had no idea about and told me if I don't understand to email him or call a specific number. I reached out to him in email and he would never respond and I would call the number and they would never respond either it was an automated voice that said they would just call me back but never did at the beginning I was told I was going to get all this amazing help and there was no way I could fail but every time I needed help I was ignored I was angry and I wanted to cancel I emailed them including the coach and he told me to call that same number and of course I never got a response back when it was time for payment I actually did get a call from the company they called and told me I had to pay and I told them I've been trying to get a hold of them to cancel this program they said after 3 days of enrolling there's no possibility of cancellation I told them that I did not want to pay for something when I was not getting any value especially when I had some personal things within this time that was a better use of that money I was told they could put it on hold but still had to pay I told them I would pay the first month because I did do it but I was no longer going to pay after, I searched up the company Monterey Financial services which is in XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX California, # XXXX and they have a 1 star rating I read the reviews with people saying its a SCAMM I wish read it earlier but I really believed what I was told. I have disputed this on multiple credit bureaus multiple times amd have a police report stating that this was a SCAM and each time it was removed! Now its coming back but only one of the credit bureaus not the others, I disputed it and sent police report and it has not been removed. How would they have removed it 2 other times and on other credit bureaus as well but this time they are choosing to keep it in there it makes no sense this is a company that is known for scamming yet still being able to trick people till this day.
|
| 05/21/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
This correspondence is in regards to the collection listed currently on my credit file. First I would like to say that this collection does not belong to me/it is due to fraud. I reached out on XX/XX/XXXX and left a message for an account rep ( XXXX XXXX ) to give me a call back. I never received a call back.
I reached out on XX/XX/XXXX and spoke with XXXX at ext. XXXX ; who was very abrupt.. I tried to explain to him that this account did not belong to me. He asked me questions to confirm my identity. He couldn't locate me BUT afterwards he asked me for the account number. I looked at the document that was sent to me a couple weeks ago. After I went through then entire statement ; he states that he could not speak to me because this account was listed in bankruptcy. I tried to explain to him the situation about the identity theft ; etc. ; BUT he would not speak with me. He stated that he needed to speak with my bankruptcy attorney or I needed to get something back in writing from my attorney giving him permission to speak with me.
I called back again shortly afterwards and spoke with another representative stating the same thing. I asked her this question. If this is included in the bankruptcy, why is it reporting separately on my report? She stated that I needed to send a letter stating that they could speak with me about it.
I am still maintaining that this bill is in regards to identity theft ; BUT the fact still remains that it should not be showing on my report as a separate entity. It should be removed ; as I am being penalized twice.
I asked if I could show a police report stating showing that there was identity theft on my name ; she told me no.
I have included the negative report on my credit report ; as well documentation from the Bankruptcy. You will see on page 15, column 2, and line 1 ; Monterey Financial Services is listed as a creditor. Also on page 14 XXXX ( original creditor ) is listed on this Bankruptcy report. This identity theft was done prior to my knowledge of it even happening.
I would also like to point out that XXXX XXXX senior manager responded back out to me on XX/XX/XXXX ; which was in violation of the law because of my bankruptcy.
What I have attached is : a. written statement ( which shows my credit reporting ) b. Company 's response c. Bankruptcy filings that list Monterey and XXXX listed. This bankruptcy was filed prior to my knowledge of identity theft.
d. Police report
|
| 05/21/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
|
| 03/15/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I was recently made aware of a debt that I may owe to XXXX XXXX XXXX XXXX XXXX in the amount of {$78.00}. This debt was related to a deposit account I had with this organization. I noticed the debt reporting to my credit files and disputed the information. I was quickly advised in writing from XXXX XXXX of this debt. I made a call to XXXX XXXX this morning XXXX/XXXX/2016 to advise them of my intention to pay this debt for {$78.00}. They had advised me this account was placed with a company called Monterey Financial based out of California.
I contacted Monterey Financial when they opened this morning ( XXXX/XXXX/2016 ) and was advised for my account number with them and that my balance is not {$78.00} but {$120.00}. I argued stating that XXXX states it to be {$78.00} and that is what they are reporting. They stated that the account was placed with them for collections over 3 years ago. They had very old contact information and had no way of getting in touch with me. They stated they last attempted to reach me on XXXX/XXXX/2016 with no luck as again the information they had was almost XXXX XXXX XXXX.
After going back and forth with their Agent XXXX XXXX XXXX. I decided I was getting no where. So I contacted XXXX again and they informed me that anything they would be charging would be their fees or accumulated interest on my original debt.
To the best of my knowledge the FDCPA expressly forbids this. As a consumer I am not required to pay any unauthorized charges such as interest rates, fees, or other charges. XXXX also advised me on this call that only the amount of {$78.00} would be sent to them. I called back Monterey Financial and they advised me that the total amount of interest was billed at XXXX cents/day. This brought my balance to {$100.00} and they were charging a {$20.00} processing fee to handle my payment. They also advised me that they total amount of {$100.00} would be sent to XXXX and they only collect the {$20.00} for the payment fee.
As far as I can tell I am paying an unlawful 10 % interest on a {$78.00} debt to capcom fcu and an unlawful {$20.00} payment processing fee to Monterey Financial.
I made this payment because I am attempting get approved for a mortgage and was advised this could potentially hinder me. After making this payment I quickly researched and realized that I may have been charged undue interest and payment fees on behalf of XXXX and Monterey Financial.
|
| 10/11/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
|
| 11/24/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
|
| 05/15/2023 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
About a year ago I received a letter saying that I had to go to court over a medical debt through Monterey Financial that I hadn't been able to pay in some time. I called the number and asked to make a deal to pay {$500.00} on the XXXX of each month and they agreed. The money started coming out on time. I needed to get a new card after having the number stolen and used all over the country. I had never received any communication from the people taking my money so I had no way to contact them. When the card was declined someone claiming to be, " XXXX XXXX, a compliance XXXX with the state of Virginia '' contacted me by phone and told me I was in non-compliance, and gave me a phone number to call. I called and corrected the card number, however no company name was ever given and they hung up abruptly. The money continued coming out as scheduled with the name " XXXX XXXX '' appearing on my statement with the number XXXX NC appearing after it. In XX/XX/XXXX I started trying to figure out who this company was and, after searching online, started seeing that it could be a scam. I contacted a law firm and they asked me to tell them the next time someone contacted me. I called the number coming up in my search for XXXX XXXX. It came up with a company who said they no longer had my account and gave me a different number. I called that number and they said they had never heard of me. I called the number on the statement and they gave me a different number where they were able to confirm the account, and how much I had left to pay. They said they did not send statements or any mail or email and would not. On XX/XX/XXXX I came up a couple dollars short so the card was declined. XXXX XXXX called me again, reminding me that I had spoken with him before. He gave me the number XXXX to call. I asked him the name of the company and he refused to tell me and said they would tell me. I called and someone answered saying, " This is XXXX. '' or a similar name. I said I had been given the number to call to correct an account. She took my name and we corrected the issue. I asked her what company this was and she said it was about the debt I had with the company. I said I understood but I needed to know the name of the company I was speaking with and she said, " XXXX. '' I reported the number and information to the lawyer who said it was connected to a spam number and I should contact the state 's attorney general.
|
| 10/03/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
In XXXX XXXX I purchased a XXXX vacuum cleaner from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NC XXXX. They got it financed through Monterey Financial Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX at 22 % interest, 36 months paying XXXX a month. I have made XXXX payments so far. In XXXX I went on line to make a payment using my credit card because I had n't worked all summer and I knew my bank account would be short. I did n't want a late fee so I payed it on the due date XXXX/XXXX/XXXX, but the payment on line was XXXX. I submitted the pay then called to let them know I had paid it. I was told by XXXX that I would still have to pay a return check fee of {$25.00} because they had processed for the check to come out of my account and it would be returned as insufficient funds. She told me the XXXX was to cover the online fee of XXXX and the payment of XXXX ( my payment ). I said why the extra XXXX. XXXX. She said she could take that as part of the XXXX rcf, and she would attach the balance of XXXX to my next auto draft. I said fine. My XXXX Payment was XXXX. The XXXX was satisfied. Today I got a call saying I still owed {$8.00} + change, and they were calling to collect a debt. I explained that I did n't owe anything other than my regular payment. They told me I owed processing fees and the rest of the {$25.00} fee. They told me I payed by phone which is {$15.00} not on line like I actually did. Plus there was nothing on the website that indicated a fee to pay online. I paid this bill to avoid the {$99.00} payment when you are late. This happened to me once when I was a day or XXXX late a nd I thought it was excessive so I did n't want this to happen again. When I said I refused to pay it because I paid the fee, XXXX the supervisor told me she would wave the XXXX dollars but I would still have to pay {$3.00} with a {$15.00} processing fee because the penalty for them not collecting the money directly from my bank account totalled {$99.00}. Regardless the figures just did n't add up. I am disgust ed with them. They are charging and over charging because at the time of purchase my credit was not good. I feel I 'm being robbed and cheated. I want to pay for this product but not with such harsh penalties and high interest. I am retired but still working to keep up my responsibilities. These people are crooks. Total cost of product {$1500.00}. But I still have over a thousand to pay.
|
| 11/09/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
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I purchased a XXXX XXXX XXXX XXXX XXXX purchased from XXXX XXXX in XXXX XXXX XXXX on XXXX date of purchase ) I personally believe the sham starts there as they are the ones that push this company. I understand my credit is not the best and due to that fact XXXX m aware that my interest rate is higher and was told I can pay off early and lose the interest. My loan was initially taken from next step funding and some how I owe the money to monteray financial. There policies and collection protocol is ridiculous. And there customer service and support is non existent. I knew I was going to be paying at least double the sale price which already is border line loan sharing but once you twist up the terms and wording and honestly who reads that stuff. But as it turns out there is no paying off early cause Im actually renting the scooter and will pay a little more than triple the original sale price. But thats not my original gripe. I understand its my fault for not reading the fine print but as I looked online there are hundreds of people with same complaint. So there must be something we can do about this, I already threatened with a law suit and that was the only time I got any consideration. I originally stumbled onto this problem by accicident because XXXX weeks after I bought the scooter is broke down. And repeatedly broke down for about 2 months, I could not get any kind of service or help from XXXX XXXX and I was not going to continue to pay for a broken scooter. I tried next step funding and got no where and then started to get phone calls from XXXX XXXX about 5 Times a day and my fianc as well calling her at work and she isnt even involved, I told them my situation and was told they only gave me a loan and are not responsible for scooter Fair enough I though at the time so I figured I had to balttle with scooter store., I come to find out that I pay a rental fee to them so they are responsible I told them I want to keep my agreement as fraudulent as it is but am not paying fior the time scooter wasnt working I said I will pay for current month once you take old months off,, I guess they just wanted my money cause they agreed and I payed and next month it started all over again and every month since then. And now Im getting bad credit reports. I worked very hard on my credit the past 2 years to repair my childhood damage and Im at a loss here. Please help me
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| 02/18/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
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On XX/XX/XXXX I placed an order on the internet for a machine that applies make-up with a total cost of {$220.00} On XX/XX/XXXX I made payments in the amount of {$38.00} leaving me with a balance of {$180.00} On XX/XX/XXXX I spoke to a collection Agency who stated I was to set up a payment plan of an immediate payment for {$50.00} and then {$78.00} monthly until the balance was paid. I was assured I would receive some type of documentation confirming our conversation and terms of the agreement. I received neither.
In the meantime, last week, my debit card was stolen and the bank sent me a new one. I received a call from collection agency asking for new card information. I asked if I could make {$50.00} payments for the next three weeks and then a {$26.00} payment on the 4th week and be paid in full. The man on the phone told me that would not make sense because I was being charged a {$20.00} processing fee for every payment I made. I was very upset to learn this as no one had informed me of this charge when I sent up the arrangement originally. He arrogantly told me I knew from the start. I tried to explain I had never received a letter or email stating so. He refused to let me speak by screaming " MaaM '' into the phone so I hung up.
I called the original creditor there after only to find that the original debt due was {$220.00}. I paid the original creditor on XX/XX/XXXX in the amount of {$38.00}.
I made two payments to the collection agency on XX/XX/XXXX of {$50.00} and another on XX/XX/XXXX of {$78.00}. Leaving me with a balance due of {$55.00}. Today on the phone I was told I had a remaining balance of {$170.00}.
I want to file a complaint over the charging of the processing fees and never been told they were being charged. I did speak with them this evening and demanded a return of all the monies I paid them so I can pay the original creditor myself. She told me she would see what she could do and asked for 24 hours. The information for this agency is as follows : Monteray Financial XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Manager : XXXX XXXX Ext. XXXX My info : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX The Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX I am attaching my payment history sent to me by the original creditor.
Thank you for your attention to this matter.
Warm Regards, XXXX XXXX
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| 10/07/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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I am filing a complaint of non-compliance against the following collection companies : XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) MONTEREY COLLECTION ( XXXX XXXX ) XXXX ) XXXX This is formal complaint that you have failed to respond in timely matter to my dispute letter deposited by certified registered mail with USPS. ( have attached both certified returned receipts for record ).
Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the FTC ( see 15 USC 41, et seq. ). I have maintain careful records and for your benefit, and as a gesture of goodwill final attempt to have you clear up this matter. You have 15 days to cure. ( I have attached letters I sent to XXXX and all 3 companies ). The following on the letters needs to verified : In 2000, the FTC held that the FCRA barred a debt buyer from " verifying a tradeline disputed by a consumer when it didn't posses the original documents. FTC allegations was that upon receiving a CDV form from a CRA that the debt buyer ( s ) and furnisher ( s ) they can not use the PCM for verification does not constitute an " investigation '' for purpose of section 1681s-2 ( b13 ), when a consumer disputes the accuracy of information reported by debt buyer ( s ) or furnisher ( s ), they should either verify the information with the original documents within the time period set forth in the FCRA or take all necessary steps to deleted the information from the files of all consumer reporting agencies to which the information was reported within 5 business days after receiving the consumer dispute, notify all consumer reporting agencies to which the information has been provided that the information is to be deleted from the file of the consumer who has disputed the account. Consent Decree Order, Section II.
As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a print out of a bill or itemized document does not constitute verification.
I am again formally requesting a copy of VERIFIABLE PROOF ( of original Consumer Contract with my Signature on it ) you have on file ( Section XXXX ( a ) of the accounts listed on my original letter.
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| 04/30/2020 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
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Web |
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In early XXXX XXXX XXXX called me in hopes of recruiting me into their company. I spoke to XXXX for 2 hours and he asked me about the reason I attended a business seminar called XXXX XXXX which is how he got my number. XXXX explained to me that this mentorship offered by XXXX today would help me elevate my business and told me that I was purchasing a business mentorship. They initially changed me for {$19.00} as an initiation fee. On XX/XX/XXXX was the day i had my first meeting with my mentor XXXX. After talking with XXXX, I realized that this was not a business mentorship as promised, however is was a class based on the law of attraction On XX/XX/XXXX I called to talk to XXXX cancel because this was a bait and switch. I called to have the mentorship cancelled. I spoke to a customer service representative and explained to them that I was promised a business mentorship, however I received a laws of attraction class. They opened an investigation and promised to get back to me.I continued to follow up weekly with various representatives with no conclusion. Finally, I spoke to a representative, XXXX about 3 weeks later and he confirmed that I was in fact misled by my sales rep, however they said it was too late for me to cancel. As an alternative they offered to reassign me to someone else. I explained to them that I felt scammed and would not like to continue with the program and would just like my money back or to simply have them cancel the mentorship and future billing. They refused and say I am out of the 3 day cancellation window. I believe this is never unfair because I didn't even have my first session within those 3 days to know whether I wanted to continue the program or not.
The Class was for 1 year {$4400.00} which I could not afford the one time payment so they offered me a payment plan. I accepted and am now paying {$160.00} for the next 36 months totaling {$5800.00} On XX/XX/XXXX I received a phone call from Monterey Financial Services saying that if I do not make a payment there will be a negative credit report reflecting on my credit record. I have tried to call them numerous times today on XX/XX/XXXX to try to dispute the billing but was fortunate enough to get a hold of someone. What " XXXX XXXX '' is doing is fraud and I would like help in resolving this issue.
|
| 10/28/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I obtained a copy of my credit reports and discovered an account under Monterey Collections pertaining to a collection. I sent my first letter ( XXXX/XXXX/XXXX ) disputing this account and also requesting validation. They responded but did not provide a valid signature. I sent another letter on ( XXXX/XXXX/XXXX ) again requesting validation, however ; again they responded but without a valid signature. According to federal law, XXXX XXXX XXXX is required by federal law to place a " notice of dispute '' on my account within XXXX days of my dispute, which they did not. I also requested validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. The company sent me some papers showing my name typed in, which is not a signature. Anyone can type a name, so please send me proof of a signature that shows validation.
I have retained a copy of their signature and date of receipts, as well as time-stamped copies of my credit reports, showing that they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period. The listed item is entirely inaccurate and incomplete, and represents a very serious error in their reporting. Additionally, they have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law.
I am maintaining a careful record of my communications with them for the purpose of filing a complaint with the FTC and the Attorney Generals office, should they continue in their non-compliance of federal laws under the Fair Credit Reporting Act.
I further remind them that they may be liable for their willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.
|
| 01/30/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with additional add-on products or services
|
|
Web |
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Consumer financial protection bureau I applied for credit to purchase a mattress and bed on XX/XX/XXXX. I was not aware the item I was interested in applying for credit would be sent out. Within the next week I found out that an approved application meant that XXXX would immediately send out the item shown interest. I received a call to make a payment for {$25.00} for processing etc. that call was followed up with an email from XXXX asking for more money. I began calling and disputing asking to stop the shipment. XXXX informed me that there was nothing they could to stop the shipment. I repeatedly called to let XXXX know that I was applying for credit not asking for goods to be sent without my consent. XXXX told me that they would return the bed and mattress. However, the delivery was made within a few days. I was at work when the delivery was made and the bed and mattress were left at my home. Over the next year Ive called and emailed XXXX over 20+ times asking for return labels. Eventually XXXX emailed me and informed me that they sent a XXXX return labels in XX/XX/XXXX. More than a year later! The link to the alleged return labels never worked. They could not be printed or even viewed. I asked for them to be mailed to me because the XXXX link they included in the email did not work. I never received those return labels. I then continued to send pictures of their brand new product still in original shipping packages unopened and never used. My last email was in XX/XX/XXXX asking for return labels to be resent again. My subsequent conversations have been on the phone. However XXXX continues to be unfair as I have made attempt after attempt to return this item. As of XX/XX/XXXX, XXXX has sold a balance to Monterrey Financial and it is showing a balance unpaid, late, and in collections. I have attempted to correct this error. XXXX says they can not speak with me because my account has been sold. XXXX says they can not correct the situation because they can only collect a balance I have to deal with XXXX. This puts me at at unfair disadvantage to the companies who are very hard to reach and even understand. There is a language barrier with 85 % of the customer service representatives. The hold time and time needed to speak with a supervisor is seldomly under 30 minutes.
|
| 12/26/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
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.
|
| 04/06/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
I have been payingon this loan early every month. I get a letter in the mail on XXXX XXXX stating that I am overdue. I called the number on XXXX XXXX and spoke to XXXX Representatives. The first representative told me my account is current and to disregard the letter. I had concerns with this representative and spoke with another representative this representative was very rude and after 15 minutes of going back and forth finally she told me that the reason my account is overdue is because on XXXX XXXX of 2015 they did not receive a payment therefore for every month after that I have received a late payment and they have applied the payment I made for the month it 's supposed to be to the previous month. I had no knowledge of this missing payment I sent the payment in the mail as I have done every single other month I got no notification and was completely unaware that they have not received a payment. I called on XXXX XXXX and was on the phone at XXXX XXXX XXXX minutes before and XXXX minutes after I talked XXXX XXXX she informed me that they did not have my phone number they had tried to contact me they do n't mail out contacts and it was not her responsibility it was my fault and if I could n't provide proof for my bank that it had been cashed that they were completely within their rights to charge me the late payments and continue to play each payment that they receive each month early with a statement that they gave me that goes with each check for the according month she told me that that was their business practice. I asked why they did n't send me a letter some notification something I asked her to hear me out she was rude and horribly demeaning. I did call my bank today and there was not a payment for XXXX cashed. did send this and I did n't know they did n't receive it now they have been charging me late payments for over a year as a penalty and not sent me any kind of notification that I received I 'm stuck and I need help and clearly calling on my own has gotten me nowhere. When I ask to speak to a supervisor I was told there was none available their and there would n't be any available and If I wanted to speak to XXXX I just have to call and try my luck. Those are direct quotes. Please help me!
|
| 03/11/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I am writing regarding a retail installment contract with XXXX XXXX XXXX ( hereinafter referred to as XXXX ). I purchased a vacation discount club package with XXXX in XX/XX/2018 for the purchase price of {$4800.00}. The contract provided a membership in XXXX for 30 years. XXXX made promises to me for a variety of services which would continue for the 30-year membership. XXXX is now out of business.
Apparently, XXXX assigned the contract to Monterrey Financial Services. Because of XXXX insolvency, there has been a failure of consideration as I am no longer required to continue this debt obligation. Monterrey recourse is against XXXX. Monterrey has taken any to impugn my credit, and are now in violation of the Fair Debt Collection Practices Act. I have tried numerous times to contact XXXX to get confirmation that my account is closed and have been unable to reach anyone. I have spoken to the fulfillment company Save On resorts who responded to me on behalf of XXXX which I did not understand, but I have attached a copy of there response to this request as well. In short they where unable to contact anyone at XXXX and informed me that Monterrey would be able to close my account. Unfortunately Monterrey will not close the account and are holding me liable to pay for a service that is not available to me. I reached out to an Attorney who was able to serve Monterrey with a cease and desist but that did not stop them from finding new methods of harassment. This is a crime. I was able to get them removed off my credit report when they first attempted to post something derogatory against me, but they have since come back and changed the name of their company in order to re-post the negative statement on my credit report. They have changed the name of the original creditor and their name to keep the post on each time I dispute it. They did not sell it to another company, because they keep the name Monterrey in the naming convention. They are also damaging my credit because I have refused to pay for a service that I am unable to use nor have any interest in. But because I have been unable to speak to anyone with XXXX, Monterrey will not close out my account.
|
| 08/16/2017 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I responded to a sales call about a XXXX XXXX which I later found was a unwanted timeshare contract. I requested that my membership be cancelled but the company called XXXX ( XXXX XXXX XXXX XXXX ) would not cancel the service. They kept part of my deposit and are reporting a {$10000.00} debt on my credit report. " I am disputing a purchase charge to XXXX because the merchant will not voluntarily refund money I paid for a membership in a travel club. On XXXX XXXX XXXX the XXXX XXXX promised me a membership that promised me several weeks of stay time at a low rate. When I called to book a week stay room at that rate they informed me that lowest priced room was unavailable and I needed to pay more and upgrade room. Second they told me that the alternative low rate mini vacation rate was also unavailable. Last but not least they told me that I could only take advantage of the low one week rate once a year. I called XXXX XXXX to discuss the terms of the contract on with XXXX XXXX and was not satisfied with the terms. On XXXX XXXX I explained to her that they did not fully explain the contract and I wanted a refund but they will not refund the money. I called my credit card company to dispute the contract that day. I also Faxed a rescission contract that day. They asked me how I knew about the rates because my ID had not been issued yet and that is because they offered me two free vacations that I could not book for 2 months and I wanted to vacation before that time. So I called the XXXX XXXX XXXX they provided to me and told them that I wanted immediate booking and they gave me my rate info. On XXXX XXXX XXXX Called spoke to XXXX in Membership department asked why money had not been refunded told me dispute was pending. They have reported account to collections who is reporting Negative credit info on my credit report : Account Number : XXXX Amount Delinquent : {$9500.00} Payment Status : Collection/Chargeoff Consumer Statement : Account information disputed by consumer, meets FCRA requirements Creditor Name : MONTEREY COLL SVC Creditor Address : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX XXXX XXXX
|
| 03/07/2022 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX Tours Agent XXXX XXXX Lied to me and told me I would be able to cancel anytime without penalty. The next day on XX/XX/2021 after signing up, I sent a text message to him telling him that unfortunately after thinking about it, that we would rather not committ at this time, but never received the FREE cruise that was part of participating in the webinar. He sent me the FREE cruise which was not free at all and no options. I then contacted him again on XX/XX/2021 because I started to get harassing calls from Monteray Financial Services saying I owed a balance. I sent him the message stating that I have been trying to email to confirm cancellation of the membership and that I am not able to pay this because of a family emergency and I had been told I was able to cancel and that I cancelled with him back on XX/XX/XXXX and I should not be receiving calls. Also attached is the cancellation policy that specifically says that I can cancel without penalty with in 3 days of the above dates which was XX/XX/2021 and I followed that by contacting him on that specific date ( see text messages ) I told him that I was reaching out to membership services through email as well several times and no one has gotten back to me. He never answer back. Then I sent him another message on XX/XX/XXXX stating again I have reached out multiple times and that I need this service cancelled. I never used an services from them and their financial company kept calling and calling about this debt that I cancelled after being told I could cancel at anytime. The agent, XXXX XXXX, never responded to me at any time and when I finally got in contact with someone, they basically told me that I was a liar and that they would never say that. I still get unauthorized text messages from XXXX XXXX trying to get me to come to another webinar and try to sell me their product in which I never wanted the first place. They can text me about that, but their agents won't get back to me and lie about membership. Then yesterday, Monteray Financial has now reported a huge balance on my credit report in which should not be there.
|
| 02/08/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I purchase a contract # XXXX through XXXX XXXX XXXX, XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX, XXXX and Attorney XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX, on XX/XX/2017. I paid XXXX down and finance XXXX the balance with Monterey Financial. They promise to relieve me of my XXXX XXXX XXXX XXXX and give me a better way to vacation with XXXXXXXX XXXX. On XX/XX/2017, I received 2 turndown letter # XXXX and # XXXX dated the same day stated ( Mismatch social number ( bureau vs application ). Then on XX/XX/, I received a statement from Monterey Financial for {$7900.00} due on XX/XX/ for {$280.00}. OnXX/XX/XXXX I received confirmation from XXXX XXXX XXXX that they received my XXXX XXXX XXXX info and set up my client portal.
I made my first payment of the XX/XX/XXXXand additional {$1900.00} on XX/XX/. I have not received anything membership from XXXX XXXX vacation plan. I call XXXX XXXX and Vacation Consulting office after 30 days and I was told it takes 45 days to process and I receive a call from a supervisor stating It would take 60 days to process after they received my request to cancel. It has been more than 60+ days, no response from XXXX or any timeshare cure, vacation plan confirmation nor membership as promised. After several requests for results, I called my credit card company to dispute the purchase. OnXX/XX/XXXX, I receive an email from XXXX XXXX regarding my frustration. OnXX/XX/XXXX, I received a welcome letter from XXXX XXXXXXXX XXXX XXXX XXXX XXXX, stated it will be another 3 weeks to receive my membership from XXXX XXXX, on XX/XX/ I receive a packet from XXXX XXXXXXXX stating that my membership is effective XX/XX/ ( no calls or emails confirmation ).
My credit card company got all my money back, but now my XXXX XXXX XXXX is delinquent and Monterey finance put my account in delinquent status. I am disputing Monterey Financial. I received another call from a company soliciting for XXXX XXXX XXXX, XXXX this week. All timeshare are scams. I have 3 timeshares so I thought I should help others and stop these companies from defrauding consumers.
|
| 11/20/2022 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Today is XXXX day of XXXX year 2022 MONTEREY FINANCIAL SERVICES LLC per last communication via cfpb complaint stated that they were going to continue reporting on my consumer report which I never gave your company consent to furnish anything on my consumer report which is a violation of the FDCPA FAIR DEBT COLLECTION PRACTICES ACT I do Not have or never had any written/signed contract with MONTEREY FINANCIAL SERVICES LLC and if you believe I do produce a contract between your company and me the ( consumer ) that gives you the authority or grounds to collect a debt from me. Your company was never allowed to contact me nor purchase my information because I never gave your company permission or my written consent your company must have prior consent given directly by me the consumer pursuant to 15USC 1692c ( a ) MONTEREY FINANCIAL SERVICES LLC used threats in the initial complaint by stating they was gone keep reporting non validated information on my consumer report which is a violation pursuant to 15 USC 1692d ( 1 ) and ( 2 ) to harm the consumer physical reputation by charging interest as I see on my consumer report by your company as well as using obscene and profane language thats another violation. On the packet of your company sent the consumer on XXXX XXXX shows a symbol of a tree which is also a violation pursuant to 15 USC 1692b ( 5 ) this what tells me your a debt collector. The first communication via telephone call made to the consumer your company also stated that this was a attempt to collect a debt which is also a violation pursuant to 15 USC 1692b ( 3 ) I can go on how your Company is violation my rights as a consumer in attempts to collect on an alleged debt. After your company received the cease and desist pursuant to 15 USC 1692c ( c ) ( 1 ) etc but MONTEREY FINANCIAL SERVICES LLC fails to abide by federal law and continues to violate the consumer. I do not wish to call your company because theres is really nothing to talk about or settle as far as me being the one paying cash for an alleged debt. I demand your company to stop furnishing on my consumer report.
|
| 10/05/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Per my contract I am asserting my rights as the debtor.
1. The finance charge of the consumer credit transaction is the sum of all charges.
2. The debt was paid full at the time the instrument ( promissory note ) was signed by I, the consumer and authorized representative.
3.The Authorization to charge credit card for payment of membership ( not a loan ) financing and/or payment of maintenance fee is an invalid contract, one autograph is not a valid execution of a valid contract and the By line at the bottom is missing a signature.It must have an autograph from the consumer/debtor and the creditor.
4. The promissory note for this consumer credit transaction is null and void ab initio as it has no wet ink autographs on the signature line from the debtors and there.
5. The downpayment is a violation of TILA and the downpayment should have satisfied the contract in full.
6. The Preliminary Credit Rating Request Form was only to obtain any legally attainable credit information. It didn't give the creditor the right to share my private information with anyone. That is a violation of the privacy act.
7. If this is a debt, all debt are obligations of the United States.
8. Any contract that uses Federal Reserve Notes for payment becomes colorable because Federal Reserve Notes are colorable negotiable instruments and therefore the contract becomes colorable.
9. Please show I, the consumer and debtor and authorized representative for the person, where through forensic accounting, I was " loaned '' something by the creditor, that the creditor had to give away.
10. The Vacation Membership purchase agreement CP16276 is void ab initio as well, no signature from the creditor on second page 11. Purchase Agreement Exhibit A, B, C is void, no wet ink signature from the creditor.
12. Exhibit D Regular is void ab initio for lack of wet ink signature from the creditor.
13. I am giving Monterey Collection Services one more chance to apply the remedy or see 15 U.S.C 1611 and 1692k for civil liability.
See Points of Authority and Definitions in attached document
|
| 03/25/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
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.
|
| 02/08/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
Servicemember |
|
This debt is placed in collections on my credit report under Monterey Collections, they say I owe them {$560.00}. As I never signed a legally binding contract with that collection agency. I disputed this debt with all 3 credit bureaus and wrote the address listed on my credit report asking them to validate the debt with them by sending a contract. They have since then, sent me emails, sent a contract and are now calling and leaving voicemails on my phone. I have since then responded and asked that they only communicate thru US mail, as debt collectors are very aggressive and rude people. I then got another repeated email from this company as soon as I hang up the phone. ( shown in the proof ). They sent a contract thru the mail, which has an e-signature on it, they say I signed for, and address that I do not live at and a social security number with X 's followed by 4 number in which they claim is my social and the original contract that I signed. The contract also says that I agreed to pay XXXX XXXX XXXX and or their successors ( which I am assuming are them ). When I try to look over the original contract in my email, I see that they have disabled the original link with the ORIGINAL contract on it. This contract also says that I agreed to pay the state of DELAWARE, this collection agency is out of XXXX, CA. I reside in North Carolina. I owe no one in California. I am asking for the original contract, an authentication or proof that the alleged e-signature is in fact mine. As I am not obligated to pay back money under a FORGED/edited contract. I feel as though I am being manipulated into paying a credit company that I have not signed a contract with. They are threating to take legal action against me, but have disabled the link showing the original contract so that I no longer have access and have instead sent me a typed up contract.
They keep saying that I had 30 days to respond to the original debt notice sent but they don't even have my correct address on the alleged loan contract. They only have my current address because I wrote them FIRST.
|
| 06/23/2021 |
Yes |
- Debt collection
- Mortgage debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
On XX/XX/2021 I pulled my credit and noticed a debt owed to Monterey Financial Services, with a high credit of {$5200.00} and a current balance of {$9200.00}, for original creditor XXXX XXXX. On XX/XX/2021 I mailed Monterey Financial Services a debt validation letter, the letter was not a refusal to pay, however, I requested all documents related to the debt, including all documents pertaining to my balance and any related fees. On XX/XX/2021, I received a response letter in which Monterey Financial Services did not provide the documentation I requested, instead, they provided me with a letter stating my account is past due and a copy of my original contract from XXXX XXXX.
Being that the documents I received did not explain why there is a difference of {$3900.00} between the high credit and the current balance, I called Monterey Financial on XX/XX/2021 and spoke to a XXXX XXXX at exXXXX. XXXX. XXXX explained the difference in balance amounts is due to interest, in the amount of 2.74 %, which is being charged daily, and annually at 18.99 %. XXXX stated per my original contract with XXXX XXXX, interest will accrue daily, therefore Monterey Financial Services is allowed to charge daily interest, which has caused my balance to increase to the current amount due.
Upon forwarding my original contract with XXXX XXXX to my attorney for review, it has been determined my contract does not state I would be charged daily interest in the amount of 2.74 % or annually at 18.99 %. In addition to charging unauthorized and excessive interest to my account, Monterey Financial Services failed to disclose any interest and fees they have assessed toward my debt per my debt validation request.
Monterey Financial Services has violated the FDCPA by not disclosing the amount of interest they have assed to my account, as well as, charging interest that is not disclosed in my original contract with XXXX XXXX. I have attached a copy of my original contract from XXXX XXXX as well as all documents I have received from Monterey Financial Services for your review.
|
| 02/07/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
On XX/XX/XXXX I was contact via phone by XXXX XXXX/Monterey financial after returning the call I understood that the business was closed and had to call the next day upon returning the call the next day I spoke with the A representative XXXX XXXX she was very unprofessional Refuse to let me speak with a supervisor to get to the bottom of what was going on the representative want to know why I had made my monthly payment I explained to her that my payment was on an automatic debit from my account and it had been and that was the only way that I could obtain the loan This company does not allow you to mail in payments she told me that they discontinued by their own choice to stop debiting my account and they had supposedly spoken with a gentleman that Id have no idea who he is that stated he would be making my payments by monthly check Ive asked them What number did they contact this person it was an able to be given the informationthere is no gentlemen attached to my account name XXXX that makes monthly payments and they finally admitted that they had reached out to the wrong person and had given out my informationTo this mysterious person I am unable at this time to come to an agreement with next step funding Monterey financial on as to how they plan on continuing to receive my payments There are stipulations in their contract for if you are not able to pay for the items they can reprocess them this wont be happening because I did not ask for the payments to stop they stop them themselves Ive made every payment on time I have never missed a payment because of the automatic with drawlThe company chose to no longer debit my account bad choice my account is still open it is still active I have never filled out any paperwork to discontinue nor have I received any documentation from them that they would discontinue the automatic debitOn XX/XX/XXXX was the first point of contact when they call me they never call for the month of XXXX they never written me a letter or email me any type of notifications as to what was going on in this matter.
|
| 06/06/2023 |
Yes |
- Debt collection
- Other debt
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
Older American |
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Oaks Ca XXXX XXXX Customer Care XXXX XXXX XXXX XXXX, TX XXXX I am writing this letter regarding the negative report I have received from the Monterey Collection agency. This agency works for the XXXX XXXX XXXX a timeshare located in XXXX XXXX. We purchased a newly built unit in XXXX XXXX XXXX. We were told the presentation only takes XXXX minutes and we have no obligation to buy. this most harassing presentation finally forced us to sign the papers that trap us in a commitment that we never really desired. They talk about immediate booking anytime we desire, helping us to rent our other timeshares that never happened, long process of booking our timeshare and sometimes we even couldn't do that. We paid {$5000.00}. It was early 2003 or so. When we bought the week every other year we thought when we went to XXXX that was the unit we would get. Every time we went we got a different older section and we were unhappy. We complained to XXXX XXXX XXXX but nothing changed. We had paid off the unit and got tired of paying fees every other year when they did not give us the unit we purchased. At a time when we could not afford to pay and financially we were practically broke. However, at a time when we could not afford to pay and financially we were practically broke. I decided to resolve this matter peacefully after our case has already been passed to Monterey Collection Agency and talked to one of their agents. In talking to this agent -Tessa- XXXX put my condition to resolve the issue to pay one time the disputed amount of {$1000.00} if they help me to relinquish the timeshare. We ask them to reach us from paying anymore and let us sign the owner transfer form. We kept trying to get that form but they refused to let us out even after we paid it off. This was unfair and unjust as were sold one thing and given another. This was a lease after 25 years it's gone with no ownership. I am strongly disputing this matter and I want the bureau fairly consider this report that unjustly affects my credit.
|
| 03/17/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I had bought a Coton De tulear breed dog from XXXX XXXX in XXXX Illinois almost a year ago. I inderstood that the animal had cost around {$1500.00} and we agreed to payment plans. After a while of losing our jobs we couldnt make payments, fees started adding up, and the account went to collections with Monterey Financial ( Which I do not believe is a collection agency ). A short bit ago we have been making our payments to the " collection agency '' they claim to be with no supervisor and the only person I can speak to is my account holder. Our balance was {$2000.00} as of XX/XX/. We made a payment of {$200.00} on the same day. They then told me my balance was {$1900.00} which is not minus {$200.00}. So I made another {$200.00} payment on XX/XX/ and my balance was {$1700.00}. So I made another payment 2 weeks later od {$200.00} and I had seen they only took {$100.00} from me. They said " we charge a {$20.00} processing fees and you owed {$50.00} in misc. fees. '' So I said " Okay so after all fees are paid {$130.00} shouldve went to my total balnce left and you guys only took {$100.00}. Where is the other {$30.00}? And she said " Not sure where you have been getting these quotes from but noone has quoted your payments at all do I will quote this one today. '' They keep charging me {$20.00} processing fee, and only putting {$100.00} towards my account balance and Im not sure where my other money went. Also, we have paid almost {$700.00} since we started our first payment and they said we have not and they cant believe me because noone has been quoting my payments. I want this place shut down, my money back, or something done because they keep taking my money and lieing about where it is going. If you look at customer reviews, everybody says the same thing. They refuse to dorect me to a supervisor and keep telling me they arent aure where im getting my " total balance '' after payments from hence nobody quoting my payments. As a company of the account you would think they would quote everything. Please do something about this.
|
| 04/26/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
Around XX/XX/XXXX, I attended a webinar presentation for the company. They advertised as a travel site with deep discounts. Total sales price was around {$2000.00} and was to be paid monthly. After presentation I spoke with a salesperson, and while hesitant I did sign up for the product. I was told that I was able to cancel within 5 days if I changed my mind. After doing some research, I decided I did not want this product. The next day I called and requested a cancellation. I was told that I would need to write a letter requesting cancellation. That same day I did send out a letter requesting cancellation.
Around XX/XX/XXXX, I realized that a collection account was reporting for nearly {$3000.00}. The company was Monterey Financial. I learned they were trying to collect this debt for XXXX XXXX. I called and explained that I was under the impression this was cancelled and I did not owe anything. I have been getting the run around since then about this debt. Today I spoke with a representative from Monterey and was told that unless XXXX XXXX would be willing to send me proof that I sent the cancellation letter, there was nothing that could be done and the debt is valid. I was also told that if I paid an amount of {$3000.00} in full, they would remove any existence from my credit report, but if I opted for a settlement or monthly payments, it would still report negative.
I explained that all I had was a copy of the letter that I had sent, but did not send it certified mail or had any proof that it was received or delivered. ( I was told I only had to send the letter via USPS- not that it should have been certified ).
I have never used the services that company offers and I notified that company of cancellation not even 24 hours after.
This debt is not valid and needs to be removed from my credit repot. Both companies, Monterey and XXXX XXXX, need to be investigated for their misleading and fraudulent business practices. As well as what I feel are violations of debt collection practices.
|
| 07/13/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
Servicemember |
|
On XXXX XXXX, 2017, Monterey Collections Sv. working on behalf of XXXX XXXX XXXX, signed for a certified letter of official dispute of their information of a collection account in the amount of {$19000.00} on my and my husband 's credit reports. The letter informed them that I was requesting validation of this debt pursuant to FDCPA and FCRA and corresponding local state laws. Competent evidence bearing my signature and showing contractual obligation to pay was requested as well. I also informed them that I was aware of the law and that they had 30 days to validate the debt, or the law required that they request that all reporting agencies delete the entry. After not hearing from them after 30 days and noticing that no notification of dispute was indicated on my credit report I sent a follow-up certified letter which they signed for on XXXX XXXX, 2017. This letter notified them that they were in violation of ( but not limited to ) FDCPA Section 807-8 and FCRA Section 623-b, and therefore I was demanding that the item be removed from my credit report, as required by law. I finally received information from them on XXXX XXXX, 2017, a full 55 days beyond what is allowed by law. In the letter, they informed me that I had 30 days from date of notification by them that the account had been placed with them to dispute the debt. However, I have never received such notice, they have failed to provide proof of such, and I was only aware of the issue when checking my credit report. On that same note, FDCPA states : " 809. Validation of debts ( c ) the failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer '' which does not excuse their legal responsibility to abide by the law in their reporting and validation when informed of formal dispute and request for validation evidence. I am also reporting them to the BBB today, as well as the Texas Attorney General before filing a small claims action.
|
| 12/09/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
I bought an educational package from XXXX in 2014 and got enrolled into a payment plan which was to continue for a period of 12 months, the educational service was to continue for 12 months. I was making the payments on time but decided to stop making payments due to the violation of Contract by XXXX. Part of the services which was weekly support call and were deemed an important part of the services by XXXX and XXXX who was the individual who signed up.
Those services were not delivered and due to the lack of delivery of the important part of the program and services which were mentioned while I was being lured into the program, my condition has not changed and I do not see any impact on my development in the area.
This issue was discussed by XXXX one of your supervisors end of XX/XX/XXXX. XXXX understood my resentment towards XXXX and advised that if I bring the payment up to date till XXXX then he will try to resolve my issue. I brought my payments upto date.After that he left a message on XX/XX/XXXX as he promised and told me that he tried Contacting XXXX but XXXX never responded back to him. This is how XXXX is they want to take people 's money and do not want to deliver the services. Their contract is pretty generic and does not mention any details. They just want to rip people off. Also I tried contacting XXXX 4 times and left him 4 voice messages to follow up but he never returned my calls.
At this point I do not think I owe anything to XXXX untill and unless they straighten up their act and start delivering their services as XXXX assured. If I keep making monthly payments with out getting any services then it does not make sense. Also to charge individuals around {$2500.00} dollars just for 4 30 mins sessions and not deliver on the following weekly calls do not make sense and is a rip off. At this time Moterey has started charging me interest on the balance and this is affecting my credit. I seriously need help and need CFPB to intervene and help me out.
|
| 10/09/2017 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
I took out a small loan with Monterey Financial to pay for a course that I am taking. I have a payment book and every month, I pay my monthly payment, {$160.00} + XXXX ( fee for paying online or via telephone ) on or before the first of the month. Per the contract that I signed and the payment book that I have provided to me by Monterey Financial, a late fee is not assessed until the XXXX of the month. On XX/XX/XXXX, I made my payment online on the company 's website. Several days later, I received a collections call stating that my payment did not go through. I did not have immediate access to the account that I paid from to check so, I made a payment on my credit card. The company not only double charged my credit card but, the original payment that I made on the XXXX was indeed, withdrawn by Monterey Financial from the account.
Another couple of days later, I received a collections call from a representative from Monterey Financial stating that my payment went through on XX/XX/XXXX but I owed a late fee. The woman became argumentative and disrespectful toward me when I read to her the portion of my contract and the payment book that states that your account is not considered late until the XXXX of the month. The woman then hung up on me. This past Thursday, my husband and I paid off the balance in full online. I received another threatening phone call from Monterey Financial.
I am writing to CFPB because of three concerns 1 ) I did not pay any of payments late. All of my payments were made online and I received messages stating this. Monterey has a habit of waiting to collect the monies from the account. I feel that they are doing this to " justify '' collecting a " late fee ''. 2 ) I am concerned that Monterey Financial will overtake-without my permission- the full balance that I paid this past Thursday. 3 ) That Monterey Financial is falsely reporting to the credit bureaus that a late payment occurred when that is not the case. I am asking for intervention.
|
| 01/25/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
On XX/XX/XXXX I received an alert via my credit monitoring that my credit score dropped XXXX points. After looking at my credit report, I see that there is a negative account named Monterey Collection services that was reported to XXXX as a " charge off '' on XX/XX/XXXX in the amount of {$2500.00}. I at no time received any mail correspondence indicating that this account was in collections. After calling Monterey and speaking with XXXX XXXX XXXX on Monday, XX/XX/XXXX, she is telling me that they did send mail correspondence along with emails regarding this account. After looking through my email inbox and junk inbox, I did find ONE email that was in my junk folder dated XX/XX/XXXX stating that the above amount is due and that " you are hereby notified that a negative credit report reflecting on your credit record MAY be submitted to a credit reporting agency if you fail to fulfill the terms of your contractual obligations. '' So, I received notification that the account MAY be reported to the credit reporting agency 17 days AFTER it had already been reported to XXXX! I was not given the opportunity to rectify the debt on my own before they reported it to transunion which negatively affected my credit report. After speaking with XXXX XXXX on Monday, XX/XX/XXXX, and asking to have the negative account removed on the condition I set up a payment plan with them, she responded that it will stay on the report until it is paid in full. After requesting a breakdown of balance owed and fees, I am disgusted by the almost {$1000.00} extra added on to the original balance in " fees '' ... as I have a requested email with the breakdown from XXXX XXXX, stating the original balance : {$1500.00} ; 35 % collection fee : {$550.00} ; Late charge : {$380.00} ; XXXX 10 % : {$39.00} ( AS OF XX/XX/XXXX ). So, essentially, I have to pay them a disgusting amount in extra feed AFTER they already tarnished my credit report, without giving me the opportunity to rectify the debt beforehand.
|
| 05/27/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/XXXX I pulled my credit report and saw Monterey Financial Services as a collection on my report. I sent them a debt verification letter asking them to provide me with the following proof of debt and that they are allowed to collect : 1. Agreement with your client that authorizes you to collect on this alleged debt. 2. Agreement that bears the signature of the alleged debtor wherein he promises to pay the creditor. 3. Complete payment history on this account so as to prove that the debt amount you wish to collect is correct.
On XXXX I received a letter from them that did not include verification of the debt I requested. So I sent a 2nd request to them on XX/XX/XXXX requesting the following : Agreement with your client that grants you the authority to collect on this alleged debt.
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.
Any insurance claims been made by any creditor regarding this account.
Any Judgments obtained by any creditor regarding this account.
Name and address of alleged creditor.
Name on file of alleged debtor.
Alleged account number.
Address on file for alleged debtor.
Amount of alleged debt.
Date this alleged debt became payable.
Date of original charge off or delinquency.
Verification that this debt was assigned or sold to collector.
Complete accounting of alleged debt.
Commission for debt collector if collection efforts are successful.
On XX/XX/XXXX their collections representative XXXX XXXX sent me back another letter saying they will cease contact with me and would communicate with my attorney only. I never requested to cease contact, I asked that they provide me proof of debt amount and that they can collect on it which is my right which they refuse to send.
At this point they are refusing to show proof of who they are and that they can collect. And they are reporting to the credit bureaus that this is a defaulted account which they have not proven the amount on.
|
| 11/05/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
On XX/XX/XXXX, i applied for 24 month loan to finance the purchase of a new dog. I read through all of the truth in lending disclosures and the contract and felt confident signing based on what i was reading so i signed the contract. On XX/XX/XXXX i received a credit alert that new account had been opened by a lender i had never heard of, Monterey Financial Services. Upon review, the amount matched the amount for the loan i just opened with XXXX. I reached out to XXXX 's custmer care to ask if this company was associated with them and they stated yes, it is their billing provider. Upon verification and gathering the account number to log in online, it appears this company is primarily a debt collection company. After reviewing my online account, it appears that my current payoff amount is higher than my original loan amount, even though my contract states i am interest free for 90days unless not paid off within those 90 days. I tried to contact the company but can not get through to someone on their listed phone number and have not received a call back. I reached back out to the original company i signed the contract with to voice my concerns and they assured me all was well. I stated that upon reviewing the contract there was no mention of a 3rd party servicer or that there would be fees associated with making regular and one time payments on the loan, and that had i known any of this, i wouldnt have opened the account, i would have just paid out of pocket to avoid any of this mess. I mentioned that when we opened our home loan, our truth in lending disclosures included mention of the loan being able to be serviced by a 3rd party, so we were made aware of that beforehand and could ask clarifying questions to be sure we understood all of the terms of the contract and loan and i feel duped and mislead by them omitting this in their disclosures to us. I would like both companies investigated and i would like this account removed from my credit report.
|
| 07/12/2019 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
In XXXX I had went to a pet store to purchase a puppy. The puppy was more expensive than I thought but they said I could apply for a loan. I did and was approved for XXXX dollars. I signed the contract knowing the fees and everything no worries because I was going to do an early buyout in four months. I made my monthly payments but it was always a struggle. I was charged late fees when I was on automatic payments and my bank said they never tried to charge me, I had a random charge from them and they couldnt tell me what for, etc. in XXXX or XXXX I asked for the amount of my early buyout and was told it was over 2000 when I got an email saying it was going to be XXXX when I signed my contract. The company Monterey financial handles all the finance of my contract even though I signed with XXXX XXXX XXXX. When I heard that I got off the phone and contacted XXXX XXXX XXXX and they told me Monterey financial was in charge of the financial part of my contract. Since then I have stopped making payments and have been doing research of my own on this company and they do this all the time. When I contacted them to do my early buyout again they let me know that I was only supposed to pay XXXX in XXXX that they gave me the wrong amount twice on accident but since I havent made any payments that I now owe XXXX. I told them that it wasnt an accident when they told me on two different day, by two different representatives and that I would give them the amount I owed in XXXX but I will not give them amount now since they lied to me with the intention to scam a XXXX year old out of a extra XXXX. They threatened me with reporting me to collection and reporting me to the credit unions. They refuse to work with me or answer any questions through email because they dont want me to have any proof. When I called they immediately said we need XXXX now when I asked what it was for they couldnt answer, when I asked why I was given a false amount they couldnt answer.
|
| 12/30/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
This is my initial complaint against XXXX and XXXX, who are violating the Federal Credit Reporting Act, which states that creditors can not furnish information about consumers to consumer reporting agencies following mergers, portfolio acquisitions or sales, or other acquisitions or transfers of accounts or other obligations in a manner that prevents re-aging of information, duplicative reporting, or other problems that may similarly affect the accuracy or integrity of the information furnished. For the past 5 months, I have disputed a debt that is being reported on my credit report twice. XXXX XXXX, acct number XXXX is reported an alleged debt owed to them in the amount of {$520.00}, and a debt collector, Monterey Collection, acct number, XXXX is reporting debt owed to them in the amount of {$520.00} that was originally owed to XXXX XXXX XXXX I am emotionally stretched thin and exhausted from writing to XXXX and XXXX about the reporting of these 2 accounts.
I contacted both companies on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( see attached certified receipts ) and I have yet to receive a written response back from either company nor have I viewed any recent changes to my credit reports that I reviewed using their companies website. I'm requesting the immediate removal of both accounts, XXXX XXXX & Monterey Collections due to willful negligence and improper investigation. Several consumer laws have been broken and these 2 companies are utilizing the pandemic as an excuse to NOT DO THEIR JOBS.
If XXXX and XXXX are conducting an investigation why are there so many inconsistencies from the same company. On the XXXX report, Monterey Collection is showing an account status of open, yet XXXX is reporting an account status of closed. Is the account open or closed? Why is Monterey reporting 2 different account statuses? I reached out to Monterey & XXXX XXXX and I have yet to receive an response.
|
| 04/16/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
Servicemember |
|
My complaint is against Monterey Financial Services XXXX Inc. in California. There are several problems with this company and their fees. I was charged a no sufficient funds charge of {$30.00} in XXXX XX/XX/XXXX. I immediately called my bank since I knew the funds were in my account. The bank said no request for payment was ever presented. I called this organization and they would not budge off the premise that I owed their fee. Additionally, they charged me with another {$15.00} which totaled {$45.00} plus my regular monthly payment of {$220.00}. I paid these ridiculous fees so I could be from under this debt as soon as possible. On XXXX XXXX, XX/XX/XXXX I scheduled what I thought would be my last payment. When I checked my account on the following Monday it showed a remaining balance of {$1.00}. I wanted to be away from this account as quickly as possible, so I wanted to pay this off. I was afraid to mail since I felt they would not be honest and post to my account so they could charge more fees. I tried to pay online where I knew they would charge an additional {$10.00} but I was kicked out of the site. On Tuesday, I decided to call to make the final payment and their phone system stated that I owed {$16.00}. I paid the fee so that I would have a {$0.00} balance. My complaint is after 24 months of dealing with this company I have paid a total of {$270.00} in what is listed as " other '' fee since I wanted to pay online so that my account would be credited on the day I paid. It seems to me all of these additional fees and how they collect them could not possibly be legal. They charge {$10.00} for late fees and {$10.00} for paying online and then they slid in the phony returned payment fee of {$30.00}. To make matters worse they are showing my last payment as a write off and not as a final payment nor do they show the {$16.00}. They show {$1.00} was the balance the day I paid the account in full.
|
| 12/15/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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I was intentionally defrauded by deceptive business practices while on vacation in Hawaii under a high pressure, with time constraints, told lies, which i relied upon when signing a contract on XX/XX/XXXX, that was grossly misrepresented with family vacation promises by XXXX XXXX XXXX, who promptly took my money and had me sign an installment payment agreement on the spot. when i actually got to read the contact, it made no sense, it actually is not clear on what was purchased, it notes property, license agreement, membership plan, with confusing and conflicting information, that still does not make sense. i tried to discuss with someone to cancel and they gave me the run around, and by the third day i went in person and the refused my cancel. i returned home and tried to cancel on XX/XX/XXXX, and they said the account is no longer theirs, that it was assigned to Monterey Financial Services. Come to find MFS is part of the scam. They exist to take over collections on the defrauded accounts, and they are in another state, CA to further perpetrate the fraud. They withdrew 2 payments from my bank and i cancelled it with my bank. They have been calling me and sending me notices of collections since, and after they did not receive 2 payments, they have reported me to collections. I talked to them to let them know i dispute thne contract. The agreement said for disputes to file arbitration, of which i filed on XX/XX/XXXX with XXXX, against both MFS and XXXX. Neither responded and XXXX now closed the file. And in fact, XXXX notified them that their arbitration clause is in violation of the rules, and that it did not go through the approval process and requested them remove it " so that there is no confusion to the public regarding out decision '' i want my money back, i want the agreement rescinded, i want restitution, i want my credit restored, and i want these frauds to stop ripping people off.
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| 01/23/2020 |
Yes |
- Vehicle loan or lease
- Lease
|
- Getting a loan or lease
- Fraudulent loan
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Web |
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XX/XX/XXXX I had went to The XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX, MI XXXX to purchase a Golden Retriever. After picking out my dog I was told the purchase price was around {$2500.00}. The attended explained that if I did not have the full amount I could purchase the dog using a monthly payment option. The attendant then obtained my information to attempt to qualify me. She then explained that I had been approved through XXXX XXXX. She then drew up paperwork and presented it to me for signing then informed me that I needed to also pay {$470.00}. The paperwork I signed included payments of {$220.00} for 27 months. I made 8 monthly payments totaling {$1600.00}. On XX/XX/XXXX, I contacted Monterey Financial to request a pay off amount and was told that if I paid {$2100.00} by XX/XX/XXXX my obligation would be satisfied. Later when researching options to pay the amount I discovered there were speculations that the operation may not have been practicing fair lending. I have been told the company was being investigated and had been shut down. I have been manipulated into leasing my pet. I realize that if I paid out the full lease the total of payments is {$6100.00}. I have also been informed that after paying the full lease, I would still need to purchase the dog at a value they deem as fair market value. It was explained in the lease to be {$370.00} plus official fees and taxes related to the purchase. I have been aware that this company is based out of California which does not allow pet leasing. Also, it is now my understanding that Michigan has a Bill in the Senate waiting to be passed making pet leasing illegal. I do not want to lose my pet nor do I feel it is fair to pay this excessive amount. I am seeking your assistance in finding resolution to remove myself from this obligation. I do not feel that I should pay any further, but do not want my credit negatively affected.
|
| 10/05/2022 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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On XX/XX/XXXX my husband and I were scammed into a travel agency that promised discounted travel points like a timeshare for a loan amount of approximately XXXX. After signing up we never received real points and were not able to use what we just " purchased ''. We did not receive a product or anything in return which should make the " purchase '' null and void but XXXX XXXX XXXX XXXX XXXX XXXX ) had loop holes in their contract that allows them to continue to scam people and commit fraud when there are 100s of lawsuits against them. Therefore in XXXX, we obtained a lawyer which advised a cease and desist letter situation would be best after getting harassed for payment for something I couldn't use. In XXXX and XXXX, even AFTER the cease and desist letters to XXXX and Monterey Collections went out multiple times we still received many phone calls to collect a very high charged interest added amount for over XXXX in just one year. They argued that XXXX was in the right, that no one could save our credit and if we didn't cooperate this would ruin buying a home in the future and go under " real estate ", even though we hadn't purchased any type of home, hotel, or physical place to actually be able to set foot in. We have been fighting this since XXXX and now they want to put it on our credit and put as of XXXX and delinquent as if this were by choice when we had no say in the matter of fraud. Monterey Collections got scammed too by buying a debt amount that was wrongfully and deceivingly sold to us under false presences. This has been negatively affecting our lives and housing approvals for almost 5 years now and it is very discouraging, exhausting, and unbelievable how there are no rights for me to get this removed from my credit report. How many more people have to report XXXX for places like the Consumer Credit Bureau and XXXX to help us by not accepting their debt claims?
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| 03/20/2020 |
Yes |
- Student loan
- Private student loan
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- Getting a loan
- Fraudulent loan
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Web |
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To whom it may concern, T My name is XXXX XXXX, I am filing a complaint against Monterey Financial Services due to a fraudulent loan. In detailed I was calling around to a few schools in XX/XX/XXXX, looking for a school that offered XXXX XXXX certificate. I reached a company called XXXX ( under a recorded line ). I was told by the representative XXXX that I could start school in XX/XX/XXXX after the holidays, when I was ready to start. The representative lied to me and told me to sign a docusign that would save the sale that was going on in XXXX for XXXX 's enrollment. I specifically told him I had someone working on my credit and I do not want my credit pulled. The XXXX representative unethical practices lied and stated that it was just part of the enrollment no loans or anything of such. With me just calling around to schools I didn't think anything of it. The representative told me I could cancel attendance at anytime with no penalties to me. I ended up attending another school and forgot about the one phone call to XXXX. Unfortunately, my email was closed and I was unable to access my email to even remember the companies name. All of a sudden I receive a bill XX/XX/XXXX in the amount of {$3400.00} for one phone call. I had never received any sign in, never attended a day of this school and was completely defrauded by this online loan. I have attended many schools this is the first school that has used unethical practices to give people fraud loans. Where is the product? I never attended the school, don't know about the school and after dealing with this have looked up the school XXXX and Monterey financial services and both have horrible fraud reviews. Monterey Financial Services has many class action law suits and this should not be legal. One inquiry phone call with no product should not turn into a {$3400.00} bill under some fraud financial institution.
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| 10/13/2020 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
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Web |
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My complaint is against Monterey Collections, first I want to mention that I had sent them a cease and desist since I never agreed to work with their organization nor did I receive a documentation stating that I would agree to work with their company and they failed to abide by the cease and desist. Additionally, Monterey Collections has portrayed themselves as Attorneys on my credit reports. I had contacted both the original creditor and the collection agency relentlessly for cancellation options.
We weren't even coherent and yet they fail to assist us! We never used the timeshare either and had mentioned to mutually cancel the contract based on the circumstances and yet the original credit failed to respond to us. Finally, they informed us after months it was cancelled, we were never informed it was going to collections or had any idea until we received a letter say they can put a judgement against us!? We were trapped, poisoned, did not understand the contract of what we were signing into this contract. I then lost my job so contacted them for option in which everyone failed us! Now, Monterey collections has been adding fees at an alarming rate to our reports and affecting our ability to obtain credit. I DEMAND THIS REMOVED FROM BOTH OF OUR REPORTS, WE FEEL WE ARE BEING FORCED TO WORK WITH THIS COMPANY OTHERWISE THEY WILL RUIN OUR CREDIT, THEY FAIL TO PROVIDE US WITH OPTIONS, WE NEVER AGREED TO WORK WITH THEM AND THEY NEVER PROVIDED PROOF OF DOCUMENTATION. THEY ARE REPORTING PAYMENT HISTORY WHEN WE NEVER SIGNED UP WITH THEM, THEY ARE REPORTING PAST DUE ON AN ACCOUNT WE NEVER SIGNED AN AGREEMENT WITH THEM FOR. THEY ARE ADDING INCREASING FEES AND THE REPORTS DO NOT MATCH DELETE THIS ACCOUNT FROM MY REPORTS IMMEDIATELY AS I WOULD LIKE TO CEASE ALL COMMUNICATION AND ATTEMPTS TO WORK WITH YOUR COMPANY, AS WELL AS PROVIDING PROOF THAT MY ACCOUNT HAS BEEN CANCELED.
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| 09/06/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Dear Sir/Madam : I am writing to officially file a complaint against a company that has scammed me and, evidently, countless others.
On XX/XX/2022, we were scammed by a company that called themselves XXXX XXXX XXXX. The product they were selling was a travel membership which included hotel, cruise line, airline tickets, and group offers for travel around the world. During their sales presentation, they also offered to help us sell our time share. There was a large amount of pressure applied and it was presented as a limited time offer, so we accepted the sales pitch and paid their {$3900.00} fee. When we left their office and had internet connection, I googled the company name and found that there were many reviews that identified the company as a scam. ( Please see the links below. ) After learning this, we went back to their office and, after much discussion, were eventually able to get a refund, less {$50.00} for a meal voucher they had given us. They had charged our XXXX, so when they said they would give us a refund, we also called XXXX and disputed the charges as a scam. XXXX notified us that the charges had been refunded and we thought that was the end of it.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Today, XX/XX/2022, we received a collection notice from Monterey Financial Services, LLC, requesting that we pay the {$3900.00} XXXX The collection is for a company called XXXX XXXX XXXX, which is the third name that we know of that the company has used. All three of the company names have both XXXX XXXX and XXXX addresses.
I am also providing the links where I found that it was a scam. It appears that this has happened to many different visitors to XXXX.
XXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXXXXXX Thank you for in advance for your attention to this matter. I can be reached at this email address or at the phone number below.
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| 05/05/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
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|
Web |
Servicemember |
|
I obtained a Timeshare from the XXXX XXXX in XXXX XXXX XXXX, XXXX in XX/XX/XXXX and was told that if the time share was not being used I could sale or rent my timeshare at any time. Fast forward after many payments to XX/XX/XXXX when a " legitimate '' law firm and buyer ( XXXX ) attempted to purchase the time share with full represented documents and personal information from the XXXX XXXX. The so called purchase included falsifying the XXXX in XXXX, multiple banks in the USA and XXXX, and a Law Firm ( XXXX XXXX XXXX ) in New York that turned out to be the main creator and perpetrator in this highly organized scam. Over the course of many months I had lawyers in New York and XXXX plus the XXXX bank USA XXXX XXXX team investigate the matter. I eventually was informed that it appeared to be a scam that included the wire transferred funds to XXXX. They all concluded the money transferred back into the USA and was orchestrated very well and, actually could have been an inside job including the XXXX XXXX employees. The lawyers felt it would be a waist of time to litigate a large Timeshare company that is based in XXXX and USA. They warned me of the potential of trying to exploit more money through the collection agency side and harm my credit if you stopped paying after the Fraud. Unfortunately, this is exactly what happened. The XXXX XXXX never formally contacted me about sending my account to collections or credit agencies. Lastly, I filed a case with the Treasury Department of the US and currently have a case number. Since then, I have been contacted several times by a different Law Firm in XXXX XXXX California that was assigned cases of a so called XXXX time share scam. I have not contacted them at the request of other lawyers. This is a summary of a tremendous lengthy and costly ordeal. My credit should not be harmed in this unjust occurrence.
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| 04/16/2017 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
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|
Web |
Servicemember |
|
On XX/XX/2017, I received an alert from myIDcare reporting a new collection on my credit report.
The credit company source : XXXX The company reporting : Monterey Collection SV The Payment Status : Collections The status date : XX/XX/2017 The balance : {$800.00} The company address : XXXX XXXX XXXX XXXX XXXX, CA XXXX I am a XXXX veteran ( 20 years, 8 months, and 21 days ) with an active security clearance. The myIDcare service provided by the Office of Personnel Management ( OPM ), because their servers were hacked a few years ago. As a result, I was notified my security clearance and personal information was compromise.
The Monterey Collection company did notified me of any attempt to collect a debit. Here 's my list of issues : 1 ) I did not receive a phone call, letter through the mail, or e-mail from Monterey Collection SV to indicate I incurred a debit with their company.
2 ) Monterey Collection SV did not include information regarding the name of the creditor. If there is a creditor, the total amount owe to creditor was not provided.
3 ) Monterey Collection SV did not provide proof of debit e.g., ( loan documents, promissory note, etc. ).
4 ) If the debit is owe to a creditor, why is Monterey Collection SV listed as the originator of the debit.
I am unaware of having a debit in the amount of {$800.00} to Monterey Collection SV. The information provided by XXXX list XXXX as the credit Bureau reporting the information.
In addition, I have been approved for a home mortgage loan through XXXX XXXX XXXX XXXX with a possible close date in either XX/XX/XXXX or XX/XX/2017. The derogatory information reported to the credit Bureaus could adversely affect my ability to close the home loan. So far ( as of XX/XX/2017 ), the collection item added to XXXX on behalf of Monterey Collection SV has cause my XXXX credit score to decrease XXXX points.
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| 12/12/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
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Complaint against XXXX XXXX.
** I received a flier to attend a presentation on these amazing traveling adventures to thousands of destination. Once at the place of presentation, people were described how you could buy a travel package that would allowsnyou to take vacations very affordable. In end, I and my wife were convinced to buy a package. The arrangement was buying a package without down payment. During the presentation, the place was packed with people. Then time to sign the document arrives. The people rushed us through signing stack of document with excuse that they were running short on time. Few days later, we got a call from a representative of the company asking to go over package we signed. To our surprise, they made us sign documents with dollars amount totally different to what agreed on during the presentation. At that time, we disputed those numbers and the understanding was that a manager would get back to us to straighten out the issues. No one ever got back to us. Since then, it has been a nightmare with this company. All the phones have only voice mail. We never heard from these people as to how someone takes advantage of their package. To make it worst, thus company is taking money from my bank account and they have send information to credit bureau despite not agreeing on the terms of the company. {$15000.00} are being reported on my credit file and {$4500.00} being reported to my wife credit report. We are disagreeing with these dollars amounts. I am helpless as to how to resolve issues with this company. I am asking to cancel this contract with this company since it is a scam. I am asking them to stop stealing money from my account. I am also asking them to remove information from my wife credit report and mine. XXXX XXXX XXXX XXXX XXXX XXXX XXXX are the four individuals leading the XXXX.
Appreciate assistance.
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| 06/12/2020 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
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In XX/XX/XXXX we were on vacations to XXXX XXXX, XXXX XXXX, we bought a Timeshare with XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX we paid them a Downpayment of {$4000.00} and after that we started paying {$240.00} monthly. When we signed the contract they told as that we could use any week of the year with the exception of the week of Spring break, the week of XXXX XXXX XXXXXXXX and two weeks of XXXX Holidays, and they suggested make reservations with six months in advance. In XX/XX/XXXX I call them to make reservations in XXXX XXXX XXXX XXXX, they told me that they were full for the date that I was trying to get, which was at the end of XXXX, i call directly to the hotel in XXXX like a normal customer and they had rooms available that date, i tried using XXXX and there were rooms available too. I was pretty mad and call XXXX XXXX XXXX XXXX in XXXX XXXX and they told me again that they were full in XXXX for that date and they offer me to send me to XXXX XXXX, XXXX XXXX XXXX where they have Hotels too, i did not accepted his offer and I told them that I wanted to Cancel the Contract since they violated the Contract, I did not had what the offer to me. They transfer me with one of the Top Manager in XXXX XXXX XXXX XXXX XXXX XXXX, he told me that he will solve my problem, he asked to wait two weeks, I never received any answer. I call them again to let them know that I was going to stop paying my monthly payments and maintenance quotas, the threatened me with send me to Collection. I stopped doing any payment since i never received any single day of vacation and I paid them about {$8000.00}.
Now I receive a letter from Monterey Collection SVCS trying to make pay {$11000.00} and they damaged my credit report for about 30 points down, this is ridiculous, I just want to have justice, there is no way that they could be stealing the people this way.
|
| 07/19/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
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I received a notice from XXXX XXXX about a past due account on my credit from Monterey Financial Services. I have never heard of them before. I called on Thursday, XX/XX/XXXX. They advised they were a financial company that took over a current loan I have that was previously under XXXX. I explained my situation that I had received notification from XXXX XXXX that I had a past due account with them. Monterey then states that my account is pending collections for non payment. I advised that I would be more than happy to pay off my past due balance and fees, but the mark on my credit needs to be removed since I was not properly notified. I advised Monterey that back in XXXX, I had switched banks and updated all my information with XXXX. Since my loan is on autopay, no further action should have been needed. I asked Monterey to confirm my contact information, since they said they have made several attempts to contact me. ( I also asked for any proof of them contacting me, such as the letters or call logs. They refused to give me any information. ) Turns out, both my email and mailing address were incorrect. I also told them I had not received any voicemails from them either. I asked Monterey to remove the late payments from my account since I had no knowledge of the company switching to a different financial service. Monterey then told me it is my responsibility to contact them. I asked how I am supposed to contact a company that I didn't even know existed? I spoke to a supervisor who said they would not re-report to the credit bureaus. Monterey said the only way they would re-report is if I paid off my entire balance. I told them I do not have money to pay off my entire balance, but it is not my fault that I was not properly notified of the change to my account. I am asking that my late payments from Monterey Financial Services be removed.
|
| 11/04/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Taking out the loan or lease
|
|
Web |
|
|
Hi, I am very frustrated with XXXX program. Where this has been going on for almost 7 years now and I am wanting to report this company incase others are also had issues with them and their Collection company. The company they have turn me over to is MONTEREY COLLECTION SVCS act # XXXX. I have had several harassing calls from this company, day, night even weekends.. I was unemployed back in XXXX and made the biggest mistake ever in ordering a program for " working at home '' this cost me {$59.00}, then the calls started from XXXX, saying they could guarantee me up to {$200.00} a week through their other program. It was a mentoring program where a live coach helps you every step of the way through the training process!! Well needless to say, I only received XXXX calls after that and really no coaching at all.. While I was into my 2nd week I realized this was just a scam and they were training me to sell products on XXXX and XXXX. Online sales.. I already knew how to sell on XXXX and XXXX, in fact I had been listing products on these sites for months. For several weeks I had tried to contact the company and let them know I was not interested in their program.. I was also receiving multiple calls from other companies trying to get me to purchase their program also.. They had sold my personal info to other Online companies, I guess because I had already fell for their scam!!! I finally just emailed them requesting my service to be canceled.. I received no response and figured I was done with them.. Then a few months later It started, I started receiving collection threats. I can attached my replies between me and XXXX. I have looked through my records and ca n't find my email I sent the first 2 weeks into the program, where I request a refund and to cancel my service!! If you can help me at all with this at all, Please let me know.
|
| 06/06/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
|
I was recently contacted by Monterey Collections via US Mail requesting payment on a debt that I do not believe that I owe. I have responded to them with a letter of dispute and request for cease and desist in their pursuit of collection. Monterey Collections is seeking to collect on behalf of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX for lab work that was performed on XXXX/XXXX/XXXX. As explained by my physician at the time, and clearly printed on their brochure, " if it turns out your insurance company does not cover a specific test, XXXX, XXXX assumes all the risk '' and further states, " if your insurance company sends a check directly to you, rather than XXXX XXXX, please sign the back of the check, write 'Pay to the order of XXXX, XXXX XXXX ' and forward the check along with the XXXX to XXXX, XXXX ''. I have sent via certified mail copies of the XXXX from XXXX XXXX XXXX and spoken with the a representative of XXXX who states the check for payment of {$680.00} on approved charges was issued on XXXX/XXXX/XXXX and cashed by the 'provider '.
I have now received an alert from the company who monitors my personal and financial information against fraud and identity theft, XXXX, that Monterey Collections is " listed as a new account on [ my ] credit report ''.
I made XXXX attempts to contact Monterey Collections by phone but was sent to voice mail each time where I left messages requesting they contact me to discuss this debt. After no response from them I have mailed them a certified letter and enclosed copies of all the the information listed above.
I have excellent credit and have worked very hard to achieve this. I am retired and proud to say that I do not have any debt. I do not feel that it is fair that I may have to hire an attorney to resolve this matter when I feel it is a clear example of consumer harassment.
|
| 07/05/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I purchased a system from XXXX XXXX as a free trial for {$24.00} and returned it to the merchant before the trial period expired since the merchandise was defective. The merchant never returned the initial amount of purchase but then charged me for the next month supply ( which I never received ) as a recurring fee of {$69.00} and I disputed the transaction and told them I have already returned the system and they should n't be charging my card with any recurring fees because I wanted no business with them. All I know after that I started receiving calls from a collection agency named Monterrey from which I have never received any mailing stating why they are charging me the amount of {$590.00} reflected in my credit score or how to dispute this transaction. They are harassing me with calls at anytime, even when I have told them to stop calling me at work, they got my house phone number even when I never gave out this number and have n't stopped calling me since. I called the original merchant for an explanation of why they are charging me that amount when they have the system back and they just blew me off telling me I need to talk to the collection agency. I 'm seriously considering a civil action against the XXXX companies for unlawful business practice ; they are charging me for an amount they have n't disclosed in detail why I owe them, then harass me at any given time they feel like calling me, I have asked them for a detailed explanation of the " debt '' and as a consumer I have not received any plausible explanation of this so called " debt ''. It 's been a year since I first purchased this merchandise and returned it, and it 's getting to the point that they are ruining my life with this issue, they will wake me up my sleep with calls. Please help me with this matter, I do n't know what else to do. Thank you.
|
| 04/28/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
Monterey Financial is a 3rd party who works with XXXX XXXX XXXX who are a fraudulent company.
The following is what happen : XXXX XXXX XXXX in XXXX duped and defrauded me. Monterey Financial works with XXXX XXXX and they took my money. Initially took {$500.00} deposit from my XXXX XXXX XXXX credit card.
Services were false, NEVER got services, web login or password. I canceled immediately.
On XX/XX/2019 I was duped by XXXX XXXX XXXX in the streets in XXXX while on vacation. They said " just show your id and a credit card and they held it until manipulative lying presentation was over. I did not approve this {$500.00} credit card charge.
Furthermore I immediatly canceled after I saw on the internet how they defrauded many consumers. I went in person and canceled with XXXX the manager on XX/XX/2019. XXXX SAID NO PROBLEM.
Here is my email on XX/XX/2019.
I was duped into signing a contract by Monterey Finantial. They shook {$500.00} from my credit card without my knowing I was signing a credit card approval.
rom : XXXX XXXX XXXX Date : Tue, XX/XX/2019, XXXX XXXX Subject : Questions - product website right now not transparent To : XXXX XXXX Hi, I'm XXXX XXXX and XXXX XXXX XXXX
This morning we subscribed to your services, however, we see now your product website is NOT Transparent to us to be able to compare prices for upcoming travels that we have. Besides we see SOLD OUT on variety of travel places on your website -- this is not positive and good for us. Waiting 2-3 days is not fair because if we're not satisfied I want my deposit back and void subscription.
What is " VIP RESORT WEEKS '' really mean? Are we getting 8 weeks per year at {$190.00} each?
Please get back to me tonight or tomorrow the latest via this email or cell XXXX.
This is second email.
Regards, XXXX XXXX XXXX XXXX
|
| 05/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
The Truth in Lending Act purpose is to inform consumer about the cost of credit and protects consumers against abuse and deceit by creditors and I have been abused and deceived. I have sent correspondence notifying Monterey Financial Services of their violations and nothing has been done. I also have attached an Affidavit of Truth that I sent to Monterey Financial Services about the violations with a confirmation # XXXX
MONTEREY COLLECTION SV Acct # XXXX Monterey Financial Services has been in several violations USC code causing harm to me personally, mentally, and financially do to these violations.
I have proof in attachment label as exhibit A, B, C, D that Monterey Financial Services is in violation of 15 USC 1692 ( B ) ( 2 ). any debt collector communicating with any person other than the consumer for the purpose of the acquiring location information about the consumer shall not state that such consumer owes any debt.
I have proof in attachment labeled as exhibit A, B, C that Monterey Financial Services is in violation of 15 USC 1692 ( C ) ( A ). A debt collector may not communicate with a consumer in connection with the collection of any debt.
I have proof in attachment label as exhibit A, B, D, E that Monterey Financial Services is in violation of 15USC 1692 ( B ) ( 5 ). not use any language or symbol on any envelope or in the contents of any communication affected by the males or telegram the indicates that the debt collector is in the debt collection business or that the communication relates to the collection of debt.
I have proof and attachment labeled as exhibit A, B, C that the Monterey Financial Services is in violation of 15 USC 1692 ( D ) ( 2 ). they use obscene or profane language or language then the natural conquered consequence of which is to abuse the hearer or reader.
|
| 07/23/2016 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
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Monterey Collections Services representative XXXX XXXX has been contacting me about a debt. She calls me and if I do n't answer she immediately sends me an email. The debt charged off on XXXX with a balance of {$5800.00} as of today the balance is {$9000.00}. The debt in question has also been reported on my credit report for the past 6 months as an open account and is listed as with a one month term. If the account is open then it should not be in collections and should not have been listed negative on my credit report. Monterey Collection Services has XXXX negative accounts listed on my credit report. I have been denied credit due to this negative account. I do not have an agreement with this 3rd party collector. The collector has been very aggressive in their collection attempts as well as using deceptive and abusive collection practices. The Rep continues to use my credit report status in attempts to get me to pay this debt. She emailed me on XX/XX/XXXX talking about how the negative account will continue to be reported as an open account. She also stated how the negative item will impact my borrowing power and interest rates in future. The Fair Credit Reporting Act states that the a collector can not attempt to collect more than original amount on a debt. The Act also states that all information in my credit file must be 100 % accurate if not the item must be deleted immediately. This account shows as a joint account with my wife 's name listed as joint responsibility which is also incorrect. My wife never provided any of her personal information for this account. They have also called her personal cell number in attempts to collect this debt. I am requesting that this negative item be removed from each of my credit reports and that the collector cease all communication with me and my wife.
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| 01/21/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I have carefully reviewed my credit report and notice there were some accounts that are not mined, inaccurate, and will need to be removed. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address, and telephone number updated and remove any other names, addresses, and telephone numbers that do not belong to me. The following accounts in dispute are listed below : Here are the inaccurate accounts : XXXX # XXXX, Monterey Collection Services # XXXX.
I have a copy of my Drivers Licenses and Social Security Card for verification purposes. Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report.I have a copy of my Drivers Licenses and Social Security Card for verification purposes. Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report.
All other addresses are not accurate. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX Unknown inquiries : XXXX XXXX XXXX XXXX XXXX
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| 02/24/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Problem when making payments
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Web |
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I am writing to inform you that your company, Monterey Financial, has violated the Fair Credit Reporting Act ( FCRA ) by missing transactions and payments on my account and transferring my account to your company without all the required documents and payment history as required by law in the United States and the state of Texas.
Your company 's failure to properly document my account and its history violates my rights as a consumer and is not what I agreed to when I obtained the loan from you. I demand that you void out the loan completely and stop all collection efforts against me.
Furthermore, your company 's request for me to provide proof of payments is also a violation of the FCRA. I have already provided this information to your company, and any request for additional information is not in compliance with the FCRA.
Under the FCRA, a violation of this nature carries a fine of {$1000.00} per offense. In my case, there were five missing transactions, which means that your company owes me {$5000.00} for these violations.
In addition to the {$5000.00} owed for FCRA violations, I also demand compensation for the time and effort required to provide you with the requested documentation. This amounts to four hours of my time at a rate of {$75.00} per hour, totaling {$300.00}.
I expect your company to take immediate action to resolve this matter. If I do not receive a satisfactory response from you within 30 days, I will have no choice but to seek legal action to protect my rights as a consumer.
I advise you that your conduct is in violation of several transaction laws, including but not limited to the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Texas Debt Collection Act ( TDCA ).
Thank you for your attention to this matter.
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| 06/07/2023 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
Servicemember |
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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.
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| 09/28/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
Older American |
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I have been contacted by Monterey Collections claiming I owe a debt for annual maintenance fees for a timeshare unit in XXXX. I timely responded to their initial correspondence requesting proof of debt, including signed documentation proving I am personal liable to pay this debt.
Such documents do not exist as I am not the original owner and never signed any. I bought this unit in the after market and at that time only assumed the then current year 's maintenance fees which were paid at the time of purchase.
They have not supplied me as requested any documents showing a legal responsibility to pay this ongoing fees for some undetermined time and have been reporting to the credit bureaus a debt that I do not owe, thus negatively affecting my credit.
I have disputed the debt twice with the credit bureaus and each time they have sent me as letter which is attached stating : " Please note that per the FDCPA, you had 30 days from the date you were notified by Monterey that your account had been placed with Monterey Collections, to request to dispute this debt. You were notified by Monterey Collections on XXXX/XXXX/2013 and were sent notifications at that time. You failed to request for verification within the necessary time frame. " I have responded to both of these letters that this claim is false and sent them proof in the form of a letter on their company letterhead that is dated within the 30 days of their original collection attempt letter acknowledging my receipt of my request for debt validation ( also please find attached ). Even though I did timely respond, they continue to hid behind this excuse and continue to falsely report this debt.
This company has ignored my repeated threats to file a complaints which is why I have been forced to finally do so.
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| 06/30/2017 |
Yes |
- Debt collection
- Auto debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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XXXX XXXX XXXX has assigned your account to Monterey Financial Services, for servicing. As authorized, we have set up your account for debits of {$18.00} from your bank account each month on your due date. If you have any recent changes, or anticipate any changes with your banking relationships please give us at least 2 business days notice prior to your draft date to allow for changes. If you did not authorize automatic payments we will send you a coupon book in approximately two weeks. New Account Number : XXXX Balance : XXXX Late Charges : XXXX Monthly Payment : XXXX Next Payment Due : XX/XX/2016 Amount Currently Due : XXXX Early Payoff Amount : XX/XX/2016 Early Payoff Expiration : XXXX I applied with XXXX XXXX XXXX at XXXX XXXX 's for my daughter 's car repair 's to get her ready for a long trip to Wisconsin she is in the Military, was very important to me. I found out that XXXX stopped using XXXX so I used the XXXX XXXX and I was unaware of the Company called XXXX XXXX was the institution that was in charge of collecting the payments for XXXX XXXX XXXX. XXXX XXXX owns XXXX XXXX XXXX. So when I was the charges coming through by XXXX I thought it was fraud attempt and I put a stop payment so I put a stop. Now they want to charge me double the amount owed it was a ridiculous interest rate they are charging me for this miss understanding, and they have already collected the majority amount that I had originally financed with them which is {$140.00}. I am a single mother and I am on XXXX XXXX XXXX at this time and my income is half of what I would receive if I was working. Please help me with this matter, I am willing to work with them but not by paying double what I originally financed with XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX
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| 02/12/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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Fraudulent practice without validation by Montery Financial Services LLC hereafter referred as MF.
I spoke to a rep at MF 2+ months ago when we received an email in our junk folder, no mail, what kind of company does not send a collection letter via mail.
Regardless, I called MF and spoke to them about the issue. The issue here is that MF decided to do collection for XXXX XXXX situated in XXXX for maintenance fees of the timeshare. I explained to them that when I called XXXX XXXX in 2017, every employee I spoke to, they said that we no longer are the owners of the resort because it's under new management. They kept telling me that our ownership was with XXXX XXXX that went in bankruptcy and the takeover by new owners, XXXX XXXX, does not extend club ownership to XXXX members.
So what was baffling is that they insisted I should make maintenance payment because we have privilege to use the club without ownership. Well frankly, we'd like to sell our timeshare if we still have the ownership and this is what I was unable to achieve in 2017 if we could confirm that we still owned it. Doing some online research, I came across forums and prior XXXX owners all had the same concern on loss of ownership.
I explained this to MF rep and she promised me to get back with confirmation of ownership but didn't. A month ago, I was left a voice message saying MF is calling back but no details were left in the voice message. I called back immediately but ended up leaving a vm since their lines were coming busy.
Till date, MF has not provided a valid reason to place a debt collection on our credit report of my wife and mine. This seems to be very unfair practice by Montery Financial to place a debt collection on our credit reports.
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| 02/12/2018 |
Yes |
- Student loan
- Federal student loan servicing
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- Dealing with your lender or servicer
- Trouble with how payments are being handled
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Web |
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XXXX XXXX XXXX contacted me to inform me that XXXX XXXX XXXX will no longer be available to me. XXXX XXXX XXXX stated to me that they will be handling my student loans I will be paying them for my student loans I recently contacted XXXX XXXX regarding my account They stated to me that no money has been paid so with that being said I contacted XXXX XXXX XXXX and they told me that I am paying them for paper work why would I pay so one XXXX just to handle paper work they are very misleading regarding paying back student loans i has under the impression that my student loans were being properly paid until I received letters in the mail stating that my account was past due. After speaking with XXXX XXXX they informed me that more complaints have occurred with this company. They are very miss leading regarding the company I have called several times and every time I call the company isnt open. Its already had paying bills but when your trying to keep credit in line and people like XXXX XXXX taking money that isnt necessary and they also stated that I couldve handled the paper work on my on but I didnt and this was on a recorded line on my banks telephone number XXXX XXXX XXXX I will like so more information regarding this company that has been taking money from my account since XX/XX/2017 and my student loans have not been paid they never sent me letters through the mail theyve never even told me how much my payment would be so I wouldnt even know what they money was being taken for XXXX XXXX have said that they never even contacted them in regards to my payments that I should me paying a month please help me they are contstanly taking {$57.00} a month and nothing shows for it PLEASE help signed XXXX XXXX
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| 04/01/2021 |
Yes |
- Debt collection
- Other debt
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- Communication tactics
- You told them to stop contacting you, but they keep trying
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Web |
Servicemember |
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XX/XX/2021 2nd CONSUMER COMPLAINT FOR FDCPA VIOLATION I am Consumer and I filed an initial Consumer complaint against Monterey Financial Services ( aka Monterey Collections ) under complaint number XXXX for violating various sections of the FDCPA and The Truth in Lending Act.
After communicating with Monterey in an attempt at achieving complete resolution to the violations committed against me ( the Consumer XXXX by Monterey, they committed yet another separate violation to the FDCPA.
On XX/XX/XXXX, XXXXI sent Monterey a letter ( Exhibit 1 ) notifying them that they committed violations of various sections of the FDCPA and The Truth in Lending Act while attempting to collect an alleged consumer debt from me via USPS priority mail ( Exhibit 2 ).
The letter was received in their office on XX/XX/2021 XXXX Exhibit 3 ) Monterey responded to me on XX/XX/2021 XXXX Exhibit 4 & 5 ) via thus violating the communication directions outlined in the letter attempting to come to a resolution ( Exhibit 1 ) that they received on XX/XX/2021 Montereys violation entailed disregarding my most recent instructions for communicating with me ( the Consumer ). Monterey ignored my request for them ONLY to respond to me via email at XXXX pertaining to this. Any other form of communication was nullified with the last and most recent communications instructions from me ( the Consumer ). Instead Monterey mailed their response to my home address via US Postal Service ( Exhibit 4 & 5 ) despite my instructions to only communicate with me via email. violating the Federal Debt Collections Practices Act 15 U.S. Code 1692 ( c ) and harassing me by disregarding my instructions only to communicate via email violating 15 U.S. Code 1692g
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| 08/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
Older American |
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XX/XX/2021.
I was notified by the U.S. Office of Personnel Management that there was new potential adverse reporting on my three credit bureau files. Monterey Collection Services, LLC, opened a report of a collection on XX/XX/2021. They claim that I had an account with XXXX XXXX that hadn't been paid and recorded the following with each credit reporting agency.
Date Opened XX/XX/2021 Responsibility Individual Account Account Type Open Account Loan Type Collection Agency/Attorney Balance {$270.00} Date Updated XX/XX/2021 High Balance {$210.00} Original CreditoXXXX XXXX XXXX Past Due {$270.00} Pay Status In Collection On XX/XX/2021, I filed disputes with each of the agencies with requests for investigation. The account in collection status is not mine and I have never ordered or purchased a product from XXXX XXXX. I have filed fraud alert with all three credit reporting agencies, and have locked my credit files to prevent further access to them.
The results of each investigation follows : XX/XX/2021. XXXX Credit Reporting cleared the collection account and deleted it from my report.
XX/XX/2021. XXXX Credit Reporting Bureau cleared the collection account and deleted it from my report.
XX/XX/2021. XXXX Credit Reporting Bureau upheld the collection account and stated they investigated and Monterey Collections provided them with verification. I re-opened the dispute because the verification of information had never been given to me, the consumer.
XX/XX/2021. I sent a formal request for verification to Monterey Collection Services by Certified Mail, return receipt was requested. The letter formally requested written verification from the Collection Agency and the letter was copied to XXXX
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| 10/20/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Servicemember |
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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.
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| 12/06/2021 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
Older American |
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I have a time share with XXXX XXXX in XXXX. I am suppose to receive receive invoices every XXXX years.
I received an email notice from Monterey Financial that XXXX had turned the maintenance fee plus late fees over to them for collections.
I did not receive any invoices. On XX/XX/XXXX, I called XXXX at XXXX. I was told that 3 invoices were sent to my old address XXXX XXXX XXXX XXXX XXXX- I have not lived there for XXXX years. I was told that my new address in XXXX was there but it was as a secondary address. Interesting as my XXXX invoice was sent to my XXXX XXXX XXXX, I was told by XXXX at XXXX that there was nothing they could do to help me- even though XXXX said the wrong address was used. He told me to contact XXXX XXXX.
I then spoke with XXXX at XXXX. She said there is nothing she can do to help me. She referred me back to XXXX.
I called XXXX again and got XXXX again. I asked to speak with a manager. XXXX said there is no manager to speak with at his location. I asked to speak with his boss. He told me he could not transfer me to his supervisor. I said everyone has someone above them.. I said I wanted to be transferred to whoever was above him. He then transferred me back to Monterey Financial.
The issue is the late fee. I wil pay the maintenance fee as owed, but feel I do not owe the late fee for an error made by XXXX by not sending the invoices to my correct address. XXXX says I must pay in full in order to have no reporting.
No one at either firm has told me I have he right to file a complaint with CFPB.
XXXX does have my correct address, my correct email and my correct phone number but failed on all side to communicate with me prior to sending this item to collections.
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| 07/13/2017 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I have an issue with a company called Montery Financial Services. I have authorized them to on the XXXX of every month starting on XX/XX/XXXX to withdrawal the amount of approximately {$150.00} dollars from my bank account. However, for whatever reason for the first month the automatic withdrawal did not go through. Having me to call in an do a charge over the phone at the rate of an additional {$15.00} dollars per transaction. The contract I signed was allowed for {$150.00} per month an not the additional fees they tack on for their arbitration of refusal for payment. I called during the second month to see why it was taking my automatic payment so long to post. Only to be told it can take up to five business days to process the card. However during that interim they charge an additional {$10.00} dollars per day to the monthly balance over the amount agreed in the contract. Secondly, the person I spoke with stated my card was pending and I was given a confrontation number for my payment not given any indication my payment was declined. However when I check my bank and call back the previous day they informed me my card was declined yet I have no notification from Montery or any pending charge or notification from my bank. During the second month using the same card they accepted earlier they refuse to charge the account for the amount due. This makes the accout become delinquent. Then they proceed to charge an amount of {$10.00} per day for a late fee plus another {$10.00} per fee for declining my previously approved payment method. I have contacted them attempting to pay yet they still do n't process my payment and claim it is late. Can you help me?
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| 05/18/2020 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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On XX/XX/XXXX, I received a call from Monterey Financial Services, LLC., in regards to an account with XXXX XXXX. I advised the representative I was at work and unable to continue with the call at that time as I was expecting a work related phone call. The representative asked that I call her back later today. I advised her I worked late and would not be able to call back today. The representative continued to say " you are on the phone and when the call comes in you will know. '' She then proceeded to ask me questions in which I declined to answer and advised her if she would like to make an agreement to pay then to send it in writing to my address of record. She refused and stated that my credit is very important and it would have negative effects if I did not pay in full today. The company has already been reporting since XXXX of XXXX to the credit bureaus. When I advised her that if I did not get off of the call, I would lose my job and not be able to pay, she threatened to " recommend legal action and negative reporting on my credit reports '' and would comment that I refused to pay. I disputed the balance owed ( as incorrect ) on XX/XX/XXXX with no response. On XX/XX/XXXX, I disputed again stating I did not receive a response within the allocated timeframe and requested the information be removed. This dispute is still active with XXXX and XXXX. I believe this company has violated both the Fair Credit Reporting Act and Fair Debt Collection Act with their illegal practices. I never received a letter to my address advising me that the account was moved to a collection agency or my right to dispute. They only send generic emails to the email address I provided at the time.
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| 05/24/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Charged fees or interest you didn't expect
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Web |
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On XX/XX/XXXX I purchased a set of treatments from XXXX away, they offered a 0 % interest loan through their servicer, XXXX. The loan was for {$4000.00}, the terms of the loan were under a promotion : 24 Months " Same as Cash '' with a promotion end date of XX/XX/XXXX. Per my notice : " Under the terms of your promotional offer, you will pay no interest on your loan if you exercise the option to pay the remaining amount by the promotion end date XX/XX/XXXX ''.
On XX/XX/XXXX, I received an email notification from XXXX that effective XX/XX/XXXX, servicing of your XXXX account will be transferred from XXXX to Monterey Financial Services, LLC. On XX/XX/XXXX XXXX closed the account and all payment history records and I was unable to log in to the account.
I made payments totaling {$2100.00} my remaining balance was {$1900.00} as of XX/XX/XXXX. Monterey Financial Services did not have the correct pay off amount and over 8 weeks of correspondence with me, they finally agreed to the corrected payment amount after I sent copies of my bank statements.
Now, Monterey Financial Services is stating that the original loan with XXXX was accruing interest and my balance is inclusive of this interest, and additional {$600.00}. That was not the terms of my loan nor in the notice of the transfer of service : " This transfer of the servicing does not affect any of the terms or conditions of your contract other than terms directly related to the servicing of your loan. '' I have tried to resolve this issue with XXXX for almost 2 months, and it not right that they are doing this to me or other consumers who did not consent to transferring of loan with only 7 business days for the change.
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| 03/09/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
Servicemember |
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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.
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| 08/06/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
|
On multiple attempts dating back to XX/XX/XXXX I have disputed multiple unverified accounts with Monterey Collections with account number : XXXX XXXX and XXXX. Each time this item was disputed with XXXX the collection agency responded with account verified. On or around XX/XX/XXXX/XX/XX/XXXX I called Monterey Collections and spoke with a rep that was unable to locate an account with my social but a similar account with the same or similar name/DOB. The representative would not provide me with any additional information although she mentioned an address ( apartment ) in XXXX or XXXX, GA that I have never lived or been associated with. At that time the rep advised I should dispute again with the credit bureau and stated that the account should not be reported if the information did not match with what the credit bureau report. Well, just the other day I received a debt letter from Monterey Collections which states it was a response to the dispute received and pursuant to the debt validation requirements set forth in the Fair Debt Collection Practices Act. Also, in the letter it states that I had 30 days from the date I was notified by Monterey that an account had been placed with Monterey Collections, to request to dispute the debt. They also state that they notified me of the accounts XX/XX/XXXX which could n't be further from the truth. I have used my current address over 10 years and have never received any communication from Monterey until it was reported on my credit report back in or around XX/XX/XXXX. This practice completely contradicts the standards provided by FTC and creditor should be reprimanded for these practices.
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| 09/16/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
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We are XXXX & XXXX XXXX and we are filing a complaint against Monterey Collections. We have tried to cooperate with this company so we can get our credit in good standing and bring our association with Monterey to an end. We have not gotten a straight answer from the agency, and have hardly received any notifications from them. Our account was sent to them when our timeshare membership with XXXX XXXX was still opened. We have been notified by XXXX XXXX that our account has now been terminated. When we called Monterey they refused to speak to us about the situation, claiming we can not be helped until our balance is paid. Monterey told us we owe {$1900.00} in maintenance fees and {$1600.00} for the contract. This is a contradiction to what the resort has told us. We are no longer timeshare owners so we need this balance removed from our credit report. Monterey is still demanding the money from us and has stated that even if we pay them they can not confirm that our account will be canceled. We feel Monterey is trying to get paid under false pretenses. They are paying pennies for this debt, why are they insisting on holding onto it? They want to take our funds without canceling our account. They have ruined our credit and have set us back from moving forward in our lives. We can not buy a house or refinance. This situation has caused us a great deal of stress, and we feel it is unnecessary. Monterey has revealed to us that they are greedy and have little to no understanding of fair business ethics. We ask that you please help us solve this matter so we can return for the sense of normalcy that we are desperately longing for.
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| 02/22/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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In 2015 I attempted to purchase a Time Share from XXXX XXXX in XXXX XXXX. My husband and I traded in our time share to XXXX XXXX for a XXXX trade in price. I started to get bills from our ( thought traded time share XXXX XXXX ) we found the time share had not been in fact purchased By XXXX XXXX and that we still owned the one we thought we traded. We were told the developer at XXXX XXXX was not able to purchase our time share because of inventory issues. Shortly after we stopped paying maintenance fees on the new time share because we don't own it. I received a call from from Monterey Financial a collection company in California ( who has assumed our debt ) telling us that we did not have an agreement for a trade and that we owe for both time shares. Monterey is in California and XXXX XXXX is in XXXX. Out attorney sent Monterey and XXXX XXXX a cease and desist letter. We then had our attorney file on our behalf a letter asking XXXX XXXX to remove it from my credit report since we were in litigation. I submitted three disputes and they came back with a response that the collection " had been verified '' I attempted to submit a letter to the credit bureau and it will not allow me to dispute the issue as it states I have submitted a dispute in 120 time frame. I explained to XXXX XXXX it is severely damaging my credit. They refuse to remove it. Monterey Financial only called me once and immediately put me in collections. Their practices are unlawful and I reserve the right a consumer to have fair reporting. They are not reporting it honestly, it affected my car rate and it is affecting my credit reporting score.
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| 02/27/2022 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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I am disputing this company because they are negatively reporting on my credit report and the account is supposed to be closed.
I used their financial service to buy a puppy and in there contract it clearly states if the animal is lost, stolen or dies before contract is paid in full, the contract would be terminated and closed at the point if they were notified. I have written this company several times letting them know the animal was lost/stolen from my backyard and this contract should be closed and they are still reporting negative to reporting agencies. This is a breach of their own contract that they sent me and wrote themselves. The Fair Debt Collection Practices Act ( FDCPA ) is a federal law that prohibits debt collectors from using practices that are abusive or deceptive. with that being said since company is negatively reporting false money owed and in breach of contract, I am forced to take Legal Remedy for a Breach of Contract. You have 30days to close the account and remove all negative remarks from my credit report and mark account as closed or due to my Rights Under the Fair Credit Reporting Act, I shall start issuing FCRA Violations of {$1000.00} per violation and {$5000.00} for Punitive damages and Actual Damages for harm that has been caused to my credit report, and stress it has put on me financially. Please be advise if not removed I also will be adding in Attorney fees and court costs and since this is a breach of term clearly stated in contract we also will demand a full refund be issued for monies paid and want account closed immediately with XXXX balance and no negative remarks.
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| 11/24/2019 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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I, XXXX XXXX XXXX XX/XX/XXXX, am writing a letter of complaint. I got a loan in the amount of XXXX USD in XX/XX/XXXX. I paid amount of approximately XXXX USD a month every month until XX/XX/XXXX. I reached out to creditor in the time of my financial hardship and they unwilling to work with me. They call me so much that this has caused alot of stress on me, so much that my health is declining. I shouldn't owe no more than 2,000 USD.
The is a predatory lender & loan. I paid OVER 3 years at $ XXXX which means I paid over $ 10k for a medical debt. I had a financial hardship due to a loss of income and additional medical issues. I reached out to the lender BEFORE the loan was late. They were unwilling to work with me. I only borrowed {$5300.00} and NOW they're reporting to the credit bureaus that I owe almost {$12000.00}. This has caused me to NOT be able to secure new housing or employment. This is unfair & inaccurate reporting. They are claiming VERY excessive fees, late charges and interest which is just untrue. Reporting a medical debt like this is both a FCRA and HIPPA violation. They call nonstop which has caused additional emotional stress which is unfair when I've already paid them well over the amount borrowed.
I'm attaching my credit report from XXXX that shows I paid this loan ON TIME with NO late payments for YEARS and the balance owing at that time was ONLY {$5700.00} in XX/XX/XXXX with NO default.
Here is the company info : MONTEREY FINL SVCS # XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX ( XXXX ) XXXX Date Opened : XX/XX/XXXX I appreciate your help.
XXXX XXXX ( XXXX ) XXXX XXXX XXXX
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| 09/12/2017 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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In XX/XX/2013, I was unemployed XXXX seeking assistance to find XXXX XXXX XXXX. I found a company online called XXXX XXXX. I submitted information and spoke to a representative, who stated that they worked with assisting executives with finding positions and would guarantee that they could find me a position in 13 weeks. They asked for {$630.00} upfront, which I paid and a copy of my resume. They had me complete a detailed survey online and then a " coach '' called me. I was then sent the contract for 6 additional payments of XXXX to begin in XXXX but was told that if I did not have results in the 13 weeks that I could cancel. I would lose my deposit but no further obligation. I received my resume back " prettied up '' but with numerous spelling and grammatical errors that also changed the core of my experience in several instances ; with cover letters and envelopes addressed to CEOs of 12 companies. I was told to mail these and follow up asking for an appointment to see if they would see me and possibly have a 'spot '' for me. This was not what I was promised when I spoke with the sales rep on the first couple of calls. I told them this. I did however, do what they asked and never got to speak with anyone at any company. I asked XXXX to discontinue my service. They said I had to do it online. I sent email but once I started being contacted by collection was told there was a special form I should have filled out. I reported there activity to SC Attorney General as Internet Fraud. They have since been hurting my credit score and compounding interest to this account and calling my phone constantly
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| 01/23/2024 |
Yes |
- Debt collection
- Rental debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
Older American |
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I am writing to express my concern regarding the ongoing communication I have been receiving from the company in relation to an alleged debt. I have previously requested proof of a contractual agreement within the allowable time frame, as per my rights under the Fair Debt Collection Practices Act ( FDCPA ).
Unfortunately, I have not received any response to my request for validation of the debt, and this lack of communication is concerning. As a responsible consumer, I followed the appropriate steps by reaching out for proof of the contractual agreement, but the silence from there end has left me in a state of uncertainty.
In light of the lack of response and to safeguard my rights under the FDCPA, I subsequently sent a Cease and Desist letter requesting that all communications regarding this debt cease immediately. Despite this formal request, I continue to receive mail from the company, asserting that I owe money and attempting to collect the debt.
I want to bring this matter to your attention in the hope that we can resolve it amicably. I remain committed to addressing any valid debts I may owe, but I need proper documentation and clarification to move forward. The continued receipt of communication despite my Cease and Desist letter is not only a violation of the FDCPA but also an inconvenience.
I kindly request that you review my case and provide the necessary proof of the contractual agreement or cease any further attempts to collect the alleged debt. Your cooperation in resolving this matter promptly would be greatly appreciated.
Thank you for your attention to this matter.
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| 04/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
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Web |
Servicemember |
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This collection agency keeps disregarding the laws. I have sent letters asking them to provide the original signed documents ( by me ) proving the debt is mine and have not received a response or proof. Ive shown them multiple times how they are violating the Fair Credit Reporting Act. This is holding me back from purchasing a home for my family.
According to 15 USC 1681i ( 5 ), the credit bureaus must modify or delete accounts that are not reporting accurately.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish an account without my written instructions.
15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
I can go on and on and on!
In accordance with the Fair Credit Reporting Act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
On XXXX MONTEREY COLLECTION SV : # XXXX has violated my rights.
This collection agency has no respect for the laws. Someone needs to hold them accountable for this.
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| 02/07/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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I was contacted by Monterey Collections in XXXX of XXXX attempting to collect on a debt of {$2400.00}. The debt is originally from XXXX for {$1300.00}. Not only is this a drastic increase on the debt, but in XXXX of XXXX they sent me another form of my account balance with a different account balance ( without me paying anything ) of {$2100.00} claimed to be owed. I pulled my credit in XXXX of XXXX and saw that the debt increased yet again to a balance of {$2400.00}. And I pulled it again today to see that this balance is now at {$2700.00}. This is double what the original creditor amount was. I was living in California at the time and the Rosenthal Fair Debt Collection Practice Act and the Federal FDCPA that Collectors may not use False or Misleading statements. I have submitted proof of the changes in the account balance without any payment being paid as a direct violation of this Law. This has caused drastic harm on my credit and prevented me from getting apartments and was even turned down for a job because of it. I am not running from my debt, I believe that they are clearly violating the law by changing the account balance to cause harm to my credit score and increase it for their own financial gain. I have attempted numerous times to dispute this item with the Credit Bureaus to get the proper amount corrected but they are not sending my results back within the designated time frame or state that I need proof that it is me disputing ( despite the fact I have sent in the proof they requested ). I would like this issue to be resolved as they have clearly violated State and Federal laws.
|
| 09/05/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I recently look at my credit report for all three credit bureaus back in XX/XX/2019 and I noticed one particular debt that was closed and charged off but, in collections for the amount of {$3100.00} with a collection agency by the name of Monterey Collection Service. I had no clue who the original creditor is ( XXXX XXXX XXXX ) nor where this debt even came from. I have never received any letters from the original creditor about this debit nor the collection agency it was obviously sold to. I recently mailed Monterey Collection Service a debt validation letter certified on XX/XX/2019 and they didn't responded back to me until XX/XX/2019. The letter only stated that they had given me 30 days to validate the debt but never provided original documentations from the original creditor what the accurate amount of debt was or any of the documents that I had requested from them by law per the FCRA. I have been disputing this with all three credit bureaus and they keep saying that this company is saying that everything is accurate and the debit is mine. I have not received any proof of documents that this debt belongs to me since I disputed this debt on my credit reports. I have asked that this debt be removed since it could be proven to be my debt and it has not been done by any of the 3 credit bureaus. Also I have notice that since I have been disputing this debt the amount has been increasing and has went from charged off to unpaid but still closed and in collections. This sounds like a complete fraud and I want this invalidated debit removed from all 3 credit reports ( XXXX, XXXX and XXXX ).
|
| 02/08/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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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.
|
| 11/28/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
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Web |
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They were servicing a loan I had through XXXX XXXX. My payments came out on the XXXX of every month regardless of what day of the week it was. On XX/XX/2019, I noticed that the money had not been removed from my checking account and went to Monterey 's site to check my account. My account was shown as overdue in bold red lettering. The payment amount should've been {$190.00}, but the total balance on the account was {$300.00}. To just put an end to the situation, I paid the full amount of {$300.00} plus an extra {$10.00} fee for making a non-scheduled payment. On XX/XX/XXXX, both the scheduled and non-scheduled payments went through, and I have overpaid {$190.00} total. I contacted them by phone and they told me the account would remain open till I had been refunded the overpayment. A week later, on XX/XX/XXXX, I still hadn't been returned the money and they closed my account anyways. I contacted them before I left for work via email and was responded to with an apology and promised they would put it in. This was an obvious lie because on XX/XX/XXXX I still hadn't received the funds. I again contacted them via email and informed them that I was going to seek legal counsel through my Union 's legal service department. They responded with another blatant lie that my account was credited the full amount on XX/XX/XXXX and should show up within 24-48 hours ( if that were true I basic math would suggest I already had it ). The lawyer I spoke to suggested I break any further contact with them directly and to file a complaint with the CFPB and update him at a later date if still not resolved.
|
| 06/06/2016 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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I was recently contacted by Monterey Collections via US mail requesting payment on a debt that I do not believe that I owe. I have responded to them with a letter of dispute and request for cease and desist in their pursuit of collection.
Monterey Collections is seeking to collect on behalf of XXXX XXXX XXXX ( XXXX ), XXXX for XXXX that was performed on XXXX/XXXX/2014. As explained by my physician at the time, and clearly printed on the company brochure, " if it turns out your insurance company does not cover a specific test, XXXX, XXXX assumes all the risk ''. I have sent, via certified mail, copies of the EOB from XXXX XXXX XXXX denying payment for service rendered.
I have now received an alert from XXXX, the company who monitors my personal and financial information against fraud and identity theft, that Monterey Collections is " listed as a new account on [ my ] credit report ''.
I have made three attempts to contact Monterey Collections by phone but was sent to voice mail each time where I left detailed messages and requested they return my phone call to discuss this debt. After no response from them I have mailed a cease and desist letter along with copies of all the information from both the insurance company and a copy of the original agreement with XXXX , XXXX as noted above.
I have very good credit and have worked hard to achieve this. I am retired and proud to say that I do not have any current debt. I do not feel that it is fair that I may be forced to hire an attorney to resolve this matter when I feel it is a clear example of unwarranted consumer harassment.
|
| 08/23/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Threatened to take legal action
|
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Web |
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My vacation club account went into collection as I have had financial difficulty and have not been able to pay. I contacted my original creditor XXXX and they said they transferred/sold the account to Monterey Financial.
Monterey Financial told me that I need to pay the full balance, OR that I would be sued, and lawyers will file claim for more legal action and my credit will be severely tarnished.
I explained I do not have the ability to pay, and XXXX said I was stalling and lying. He stated several times that I am in breech of contract and that I need to pay the full balance, and there were no other options. I asked XXXX if he had the contract, and he said he did not. How can you collect on something stating I am in breech of contract when he does not even have the contract?
He said he will mark my file as " Refused to Pay '' and continue with the legal process unless I have payment to him by end of this month XXXX/XXXX/16. This is the first time I spoke to him on XXXX/XXXX/16!
I do not have the full balance, can not even get credit and I said I could n't afford that. XXXX said the only option is to pay the full balance. How is this not predatory? I am getting charged fees, high interest and more fees and then I have to pay the FULL balance? I have not received any letter from the collection agency, detailing any information either.
What is not even clear to me is if I pay the full balance, do I even get my vacation club status active? It seems they are closing my account fraudulently, as I owe a significant amount less than what the value is on my vacation property.
|
| 05/22/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
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On XXXX XXXX , XXXX , I contacted Monterey Collections at XXXX in response to a debt collection notice dated XXXX XXXX , XXXX , from Monterey Collections for their XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account No. XXXX , in the amount of {$1200.00}. The original amount of the debt to XXXX was {$1100.00} from XXXX XXXX , XXXX , and payments were made to XXXX through their website between XXXX XXXX and XXXX of XXXX until the amount was paid off. The collection agent I spoke with was extremely rude to me and refused to let me speak or even finish a sentence. When I told him that I was disputing the debt, and that the original amount of the debt was less than the collection notice, not to mention all the payments, he said that I would have to provide proof of payment to XXXX , rather than him requesting same from the company. I also told him that the collection notice had an incorrect name for me, and he said it did n't matter. Throughout the conversation, he bullied me, would n't let me speak, talked over me, was harassing and ruder than anyone I have ever dealt with over the phone and caused me to be extremely anxious and in emotional distress. He refused to let me talk about the facts or numbers in question and kept saying that he would have to get a copy of the original agreement. Collection agencies should have proof that a debt is actually owed before they start harassing citizens. Also, when a consumer disputes a debt, there should be a professional response from the collection agency, not bullying, condescension, etc.
|
| 06/18/2019 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
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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.
|
| 10/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
According to 15 USC 1681 ( a ) ( 3 ), Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.
I hereby put your organization on notice and would like to inform you that I never gave consent to this report being furnished by you on my behalf and I am also aware of the fact that your organization assumed a vital role. As a result, my livelihood has been adversely affected.
There is no such law that states anything that needs to be reported to a consumer reporting agency. Therefore, your organization is liable.
Further, pursuant to 15 USC 1681 ( a ) ( 4 ), a consumer reporting agencies must exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.
Your organization neither exercised its responsibilities with fairness and impartiality nor protected my right to privacy.
I Request You to give me a piece of evidence that the information which is being reported has been properly investigated. Also, provide us with the details of the system adopted by your organization to determine whether the transaction took place or not.
Further pursuant to 15 USC 1681 ( a ) ( b ) your organization did not adopt such procedures that meet the need of commerce for consumer credit. As a result, I hereby demand to do the following : DELETE EACH ACCOUNT LISTED IN THIS COMPLAINT OFF MY REPORT AS WELL AS ANY FRAUD INQUIRY THAT OCCURED THROUGH THE IDENTITY THEFT.
MAIL ME MY RESULTS BACK TO THE ADDRESS ATTACHED ON MY REPORT
|
| 04/30/2021 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
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I went to a seminar and thought I purchased a time share, I later realized what I had was a membership, not real estate. Even though the contract says membership, I was confused because of what the sales rep said, escrow is ownership. I went back to the office of XXXX ( XXXX XXXX XXXX XXXX ) in XXXX, CA. and saw one of the salesman who signed me up in the parking lot. I explained to him that I was confused with all the high pressure tag teaming, switching to managers and everybody shouting when new people signed up. He told me its basically impossible to get out of the loan and I should look into using the service. After, trying to book reservations on more than one occasion, I gave up. They said there would be no problem booking or getting reservations, that was not true. They promised FREE trip incentives that are impossible to book AND end up costing money if it is even available. They lied about the incentives to sweeten their deception. I have never used their services and I put my savings of {$1200.00} down. I was then and still am on social security XXXX so I dont have money to throw away to a company who was not truthful. XXXX XXXX XXXX XXXX has put {$7200.00} on my credit and now Monterey Financial Services is trying to collect. I called XXXX XXXX at Monterrey to get the agreement so I could later explain my complaint but he went straight in saying they are going to take legal action against me. The tactics they used were deceptive and misleading. Please help me resolve this issue as I a trying to get permanent housing.
|
| 03/30/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Older American |
|
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..
|
| 08/30/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
I purchased a timeshare on XX/XX/2013. I was told that my wife ( back then my fiancee ) needed to sign for emergency contact purposes and if something happened it would be transferable to her without any issues or complications. I was also told the timeshare ( my week ) would be readily available, and that the maintenance fee included the booking fee. When I tried to use the timeshare later on I was told that I had to pay a separate booking fee to go onto an exchange. In addition, the week was not readily available and was taken. In addition during COVID-19, I was required to pay the Maintenance Fee and also during that period we were advised not to travel and the nation was in a pandemic. Furthermore, we then began receiving messages of travel alerts to not go to XXXX because of the drug cartel and danger. Despite all of the above circumstances they closed my account and transferred it over to a debt collection agency. I explained these things to them but they insisted on payments, I contacted the resort and they told me that they would not deal with me any longer and that I have to deal with the debt collection agency. They also recently put the debt on my wife 's credit and it has had a negative impact. I believe I was swindled for a timeshare and misled into signing something that misrepresented the facts and what was told. I tried in good faith to resolve this matter but I see that I am not equipped to deal with this. As an XXXX XXXX XXXX, I was advise by a XXXX XXXX XXXX to bring this to your attention.
|
| 10/20/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
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.
|
| 10/01/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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On XX/XX/2018 I placed an order for a make up product with XXXX XXXX advertised on TV. I called the following day XX/XX/2018 and cancelled the order. I was advised the order was being processed. I never received the product. Nonetheless, the following month in XXXX XXXX XXXX attempted to charge my card and it was disputed with my credit card explaining the order service was cancelled. XXXX XXXX continue to bill my card for months after requesting service to be cancelled. Now they are trying to collect {$200.00} after I cancelled the service and never received their product. They have transferred the account to Monterey Collections. I had block the merchant because they continued to bill my card after I had requested the service to be cancelled. Even after disputing the charges and advising XXXX XXXX to cancel service they continued to try charging my credit card. According to their advertising I can cancel service at anytime.
I have explained the situation to Monterey collections and they have not investigated this matter. I have done everything in good faith to resolve this matter and seek assistance since I do not owe the amount in question. Finally XXXX XXXX is indicating a balance for {$140.00} and the collection agency is trying to collect {$200.00} in addition to the charges made to my credit card. I would imagine this is done too thousand of other people. I do not owe either amount. I have attached the charges made and disputed with my credit card, product order, and collection agency notice. Thank you
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| 01/19/2018 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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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.
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| 03/24/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
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Web |
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Monterey collection services has reported a debt they claim i owe as " new '' to the credit bureau. According to them, the debt I allegedly owe is from XXXX. However Monterey collections is reporting it as delinquent recently as of XXXX, most likely this is when they bought the illegitimate debt. By reporting it to the credit bureaus as " new '' they are violating reporting laws. The statute of limitations is nearly exhausted and it would be dropped from my credit report shortly thereafter. This should be corrected with the credit bureau. This company is already being investigated by agencies who have evidence that their practices are less than legitimate and lawful. I know this to be a fact as the agents have reached out to me directly to take my statement regarding Monterey collections and their unlawful practices. Monterey collections you can't just make up a date you like and report that to the credit bureaus. You must report accurate information by law. This collection agency knows this debt is illigimate therefore they report it as " new '' to buy them time to try to make a person believe they owe it. Not happening Monterey collections. At least report the date of delinquency accurately which according to you is XXXX not XXXX. I will continue to report Monterey collections and call them out until they report accurate information under the law to the credit bureaus. In the meantime I will continue the investigation to gather the evidence that this debt is illigimate to start with.
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| 08/10/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
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Web |
Servicemember |
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On XX/XX/2019, 2 XXXX XXXX salesmen came to my door to shampoo 3 rooms, and I let them. Long 3 hours went by, and I knew my credit would not be approved because I was not working, my husband is the only one. So, I said sure, run my credit. Well, a few min later, they said I was approved. I asked the salesman how, and he said they only used my info, but used my husbands earnings. Anyway, later that night, I explained to husband, he said nope, they jipped me. In the meantime, I was supposed to go on my email to sign the financial loan documents. I had 3 days to rescind and give vacuum back. I looked on my email, started doing paperwork, then I quit. I was asked on a form for my drivers license info, I actually never finished the paperwork. I also in the meantime tried to contact the salesman to please come back and get vacuum. I could not get him, his boss. I tried for over a week. Well, after that, one of the reps from XXXX said that Monterey Financial needed my drivers license info, that I needed to call them or the contract was void. I never gave them info, and never actually seen a contract containing my interest or anything. The XXXX salesman had put all my info in the site and set me up for auto pay. Long story short, a couple months passed, I got out the owners manual to learn how to use the attachments. I found a copy of my credit app folded in it. The salesman had wrote in that I got XXXX a month XXXX!! Really!! Its such a ripoff all the way around. Please, please help with this
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| 06/14/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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This letter is a formal compliant that you are reporting and incomplete credit information. According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file I demand that the following accounts be verified or removed immediately failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. Therefore, either provide the requested information or cease your collection efforts and reporting of this account on my credit reports immediately. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount
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| 09/25/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
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I was working with the resort ( XXXX XXXX XXXX XXXX XXXX to pay all my dues accordingly. I was under the impression that we were working towards a resolution. Out of nowhere, my remaining balance was sent to a collection agency. The way I found out was when Monterey Financial Services reached out about collecting a debt that was owed. The resort never informed me that they would be sending this over to collections. As mentioned before, we ( resort and self ) were working together to resolve this matter. I had reached out to the resort for help due to my hours being cut back at work and wanted to resolve things as best as possible. It is no secret by now that timeshares are a scam and this has taken a really big toll on my finances and my personal life in general. Before the resort sent my account to collections, they refunded me a {$1000.00} deposit, which I took as a sign that we were on the right track. Imagine my surprise upon receiving communications from a collection agency. As soon as I heard from Monterey, I asked them to cease all communications as it stated on the letter that it was from an Attorney ( rather than the agency itself ). There main point of reaching out was to inform me that my balance needs to be paid in full and that until then, a collection will be appearing on my credit report. This collection agency has left harassing telephone messages and has a very intimidating demeanor, which I do not appreciate. I feel as my rights have been violated.
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| 04/21/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
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Web |
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I want to start by stating I never agreed to sign or work with Monterey Coll Svc. However, they are appearing on both mine and my wife 's credit reports. I had requested proof of the original contract with the original creditor reflecting proof that I had acknowledge I was in agreement to work with their organization or allow for my personal information to be provided to another organization and yet they failed to respond with this information. However, they did respond with informing me they will not respond to any of my written requests again because I sent in a cease and desist letters to stop phone calls because I wanted all communication in writing. Are they attempting to get me on the phone to pressure me further to work with their organization?
Additionally, this organization is reporting as a collection agency/attorney on my XXXX and XXXX credit reports.. isn't this against the law? To continue, this contract was entered into due to predatory lending and misrepresentation. We never agreed nor wanting to sign anything and now this Monterey Coll is continue to affect us negatively. Finally, I requested proof of all information on my credit report and what is being sent for validation as accurate and was sent a letter with no proof of validation documentation included. They are reporting a past due amount on an account I never agreed to have with them and a balance that is significantly greater than what they are saying I owe to the original creditor.
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| 01/06/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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In XX/XX/XXXX, my family and I went on a vacation to XXXX. While there, we were invited to attend a " free '' presentation to receive some discounts on local attractions. It turns out, we signed up for some sort of timeshare for over {$4500.00}. When we discovered our mistake, we tried to cancel immediately, and this is where the issues have occurred.
I was told I have to send in a signed copy of the cancellation letter to " XXXX '' via email by XX/XX/XXXX which I did. I also submitted follow up emails XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and never received any response or acknowledgment from this company.
I made the horrible mistake of assuming it was cancelled. I received no contact from this company for months.
On XX/XX/XXXX, I received an alert on my credit report that my " debt '' was transferred to a collection agency named XXXX XXXX XXXX for {$4500.00}. I've tried disputing the debt with the credit bureaus and have been unsuccessful in getting them removed.
Long story short, my credit has been ruined due to this collection amount. It is something that I cancelled within the allotted time, and also something I've never used. I think these two companies are using predatory tactics to steal money from me. And it is unfair that all my hard work trying to repair my credit is all ruined because of these scam artists.
I've attached copies of the cancellation letter as well as the follow up emails showing that I did cancel this in the proper methods.
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| 12/27/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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Web |
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On XX/XX/XXXX, I was a vacation with my family. I Visited this vacation club. They told me they have a system a website where you could send families and friends when they travel they will get 50 %, and I will get 50 % I greed is an awesome deal. They indicate that after the purchase is completed, right after I can go to the site make reservations to any hotel, I can buildup points eventually, I buildup enough points to cover my next hotel reservation fee. XXXX I tried to make a reservation, I could not make the reservation, so I had to call customer service ; they end up making the vacation for me. I didn't trust the company anymore, so I drop a cancelation letter on XX/XX/XXXX to cancel the membership. On the phone with customer service through XX/XX/XXXX, when still XX/XX/XXXX cancels the membership, they never cancel it. After several phones called with a back-and-forth with management, they called me to give me a new deal since I already gave them a {$900.00} deposit. I ended up making a deal. They gave me a new contract but the original company, Monterey financial bank, is still after me to get the original balance from my getaway vacation. I send them an email confirmation letter to get a vacation that I paid this account in full, but they are still trying to get their version of balance for me. I would like to have them remove this balance from my credit report and close this account. Monterey Collection XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX, XXXX
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| 10/23/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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|
Web |
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Under 15 USC 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. 2 ) In accordance with the written instructions per the consumer to whom it relates : XXXX ( MONTEREY FINANCIAL SERVICES ), XXXX, XXXX XXXX XXXX never gave XXXX, XXXX, XXXX " written consent '' to report anything on my consumer report they are saying they have but not supplied accurate validation of said certified mailing proving I have supplied such.., No Consent is IDENTITY THEFT. Concerning the account listed below as a Consumer, I Am demanding a deletion of this 3 accounts effective Immediately. I, XXXX XXXX the Executor, have a legal right and security interest, under federal law ( 49 USC 14301, UCC 9-317,12 CFR 1026.23 ) to cancel this transaction, only collecting the proceeds not assets, without any penalty or obligation from the above date or any later date on which all material disclosures required under the truth in lending act have been given to you.When canceling this transaction any lien or other security interest on my property arising from this transaction is automatically void. I am also entitled to receive all proceeds of which this account is owed. This investigation has prolonged for more than a month. According to the FDCPA this is a violation the account must be removed according to Federal Law, silence is acquiescence.
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| 03/17/2017 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Don't agree with fees charged
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Web |
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A company calling themselves XXXX that works with a larger company called XXXX XXXX misrepresented the terms of a loan consolidation agreement they were offering. I was only told of an additional fee for their services they would charge but was never informed of an additional loan being taken out under my name nor a new account and password through the FSA.
They illegally created an FSA account and opened a loan through XXXX without any prior consent from myself. FSA immediately informed me that I should be concerned because it is illegal for someone to create an FSA account under another person 's name. When XXXX first contacted me I immediately expressed my concerns about moving forward and he told me to look his company up and that his company was called The Obama Student Loan Forgiveness Program and that they were associated with XXXX. According to the FSA that is a common name used to scam individuals.
After hearing this information I contacted the Department of Education as well as XXXX who both confirmed that it was in fact illegal to create an FSA account and loan without my knowledge and direct consent. When I reached out to XXXX they told me it was very common for scam companies to use their name and once again confirmed it was not legal for a company to create an FSA account/loan using my name without direct consent.
I contacted both the XXXX XXXX XXXX XXXX and XXXX with complaints and requested to have it terminated but was denied.
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| 01/11/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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My contract has ended with this loan company Monterey financial services XXXX XXXX but they state that I owe them money when I don't as I explisitly asked them for any missing payments and to get caught back up in XXXX of 2023 in which they gave me an amount of XXXX which I paid and then proceeded to make my normal monthly payments now they are stating I still owe them money. They have transferred my loan several times failed to keep accurate billing of my account and asking me to provide them statements showing that I paid my bill on time after my loan being transferred back to them for my loan servicing. They are in violation of multiple federal and state laws. Furthermore, I asked them to stop contacting me and they are still contacting me. I also asked them to close this account and mark it as paid in full in which they failed to do so as required by law since my contract ended with them. Furthermore, they are posting in accurate information on my credit reports stating I had late payments with out notifying me and asking my permission to post said information on my credit reports. Also all the information they are posting is false as I have the documentation to prove it. They are in violation of US consumer law and FCRA and TDCA and continue to harrass me about this alleged debt as of today via email when I explictly asked them to not contact me anymore about this debt and mark it paid in full and pay me damages which they failed to do so.
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| 02/10/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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In response to Monterey Financial Services statement on XX/XX/XXXX. According to the contract uploaded by Monterery Financial, the address used to open the account is not my current address. The contract lists XXXX XXXX XXXX XXXX, XXXX, FL XXXX as the address for the account with an IP address of XXXX. I have lived at my current address since XXXX. I have attached a copy of my Electric bill from XXXX showing my address. Therefore, this information is inaccurate and Monterey has failed to notify each consumer reporting agencies of this inaccurate information. Furthermore, the contract was electronically signed therefore it does not contain a valid signature which is a sign of possible identity theft. A letter was sent to Monterey Financial Services on XX/XX/XXXX which was received and signed on XX/XX/XXXX. The letter requested information that was used to obtained the loan. According to the Fairs Credit Report Act and Debt Protect Act, the furnisher is required to provide me with any and all information used to open the account if provided an Identity Theft Report. Monterery has yet to comply with the request as well as a cease and desist request. A letter has also been sent to XXXX, the company Monterey stated on their last CFPB response which was assigned to them. A final letter will be sent on XX/XX/XXXX ( 30 days after receipt of first letter ). If the furnisher does not comply I will take legal action against Monterey Financial Services.
|
| 02/03/2017 |
Yes |
|
- Unsolicited issuance of credit card
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|
Web |
Older American, Servicemember |
|
purchased a opal ring at XXXX jewelry store. XXXX days later returned it as it was white stone and had some sm stones around it ; was to big for my hand. XXXX the store clerk asked if I wanted to look and I picked out a XXXX ring w/necklace. Did n't want the necklace but it was a set and cost a few dollars more. She evened the purchase by putting the difference on my visa credit card ( approx. $ XXXX. ). Got hm the set was very cheap and the opal a fake so I brought it back. it took her almost an hr. to process the return and again I used my visa to get a " credit '' back or the overage. Clerk had attempted to get me a XXXX Credit card but was denied. a few wks later rec 'd ph call fm Monterey Financial about pmt to my acct. replied I had no acct. they insisted I did and owed them $ XXXX Which I did not ; explained what happened and faxed ALL paperwk/receipts to them. they could n't make anything out of the paperwk ; insisted I owed them $ XXXX This was a yr ago this past XX/XX/XXXX. Went to an attny, he wanted them to call Him. They took his name and ph # and supposedly never called attny. I sugg we go to court to sue but attny said it was n't worth it??? Now my credit score is in the toilet when it was XXXX and here I am not ever moving out of it??? I also found in my looking for paperwk/recepts what I had thought was a credit on my visa for the $ XXXX was in fact a charge of {$310.00} ... so I in fact paid for something I DO N'T HAVE
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| 03/14/2020 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
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I have been reviewing my credit reports constantly because I am trying to purchase my first home and noticed you have me in collections dating back form XX/XX/XXXX. I have sent several letters to Monterey Financial and received no response in any form! This account is listed twice on XXXX and XXXX Reports only and has been since that date! Thats violating the Fair Credit Reporting Act and I was also just told by the Federal Trade Commission that it is illegal to post multiple dings for the same thing on your credit report. Also, the balance that is being reported is incorrect! You are reporting that the balance has tripled in fees /interest and this is a violation of the Fair Debit Collection Practices Act! You are making false statements regarding the total amount of the debit!
I spoke with some rude lady on XX/XX/XXXX and she refused to discuss my account with me when I mentioned I had spoken to an attorney about this matter. When I mentioned it be reporting twice on each one of my credit reports and that it has been damaging my credit for a long time, she said she would make sure it was listed as a charge off and remove the tradelines from my credit report. I am giving you this opportunity to rectify this awful situation and remove this from my credit reports and provide me detailed copies of the information. If not, I will move forward with legal action. I know my rights and you have caused me mental stress over you maliciously
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| 07/13/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Older American, Servicemember |
|
On XXXX I purchased a firearm and some ammunition online from a site called XXXX. The total was {$500.00} and they offered financing through a company called Monterey Financial which offered 90 days same as cash. That's what I opted for. It was supposed to be 3 payments of {$160.00} starting XXXX and XX/XX/XXXX was to be my last payment. Come XX/XX/XXXX I called, on their recorded line, to make sure my final payment was processed and the lady who answered said they already took the final payment from my account. I was 2 days within my 90 days same as cash but she assured me I made it in time. That was XXXX. Come XXXX, I see them on my credit report so I call to find out and they say my payment from XXXX had been returned! Nobody contacted me about it and I've called my bank who has NO record of it and now they're trying to make me pay more than double because it's past 90 days. I did some research on Monterey Financial and read about 10 reviews where people stated the exact same thing happened to them. I've called the supervisor at Monterey, XXXX XXXX, numerous times begging him to listen to the recorded line which they refuse to do. I've spoken to supervisors at XXXX also many times. It's a scam. Nobody will listen to me or help me. I have screenshots of my bank statements for XXXX and XXXX but nothing in my statements for XXXX. I've attached a pdf with my entire XXXX bank statement where you see no activity from Monterey.
|
| 12/02/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
A negative item was reported in my credit profile from the collection company Monterey Financial Services, LLC. I have no knowledge of this account, date, or what it is for. I was able to contact Monterey Collections via phone from the number that was provided on my credit report. I spoke with a representative and requested to know what services I had received, what date, and any signed receipts. I was refused this information after providing personal information to verify my identity. I then sent a copy of a debt validation letter to Monterey Financial Services LLC the second week of XXXX, dated XXXX via regular mail, and informed them of my request for information. I had informed them that they had 30 days to respond to my request or remove the negative remark on my file. I have disputed the remark and it is pending investigation. On XXXX, stamped from the post office XXXX, I received a letter from attorney XXXX XXXX XXXX, a representative of XXXX, XXXX stating that I would not be getting the information that I requested and that I owed a past due on a collection as well as an interest fee. According to their claim, I owe an original amount of {$170.00} plus {$9.00} in interest fees for a total sum of {$180.00}. I was told to make a check or money order to XXXX and provided the address to the company in California. I have had no other contact with XXXX since the original phone call and no other written notifications.
|
| 01/21/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Older American |
|
I just applied for a Mortgage and became aware that a negative credit report with XXXX and XXXX has not been withdrawn by Monterrey Collection Agency despite being contacted several time by myself and my attorney XXXX XXXX XXXX in XXXX. I attended a meeting in XXXX XXXX XXXX in XXXX for promoting a week Timeshare with the XXXX XXXX and signed a commitment to purchase with the understanding that we will try the timeshare for few days before a final commitment. We used the three days offered by the Company XXXX XXXX and found the place NOT satisfactory, the beach was invaded by vendors and the Hotel facilities were far from expected. We let the Company know of our disappointment and advise them that we will not be part of the timeshare program. We the received in XXXX several calls from Monterrey Collection requesting payment of {$15000.00} with interest accrued the total requested was {$24000.00}. My attorney advised that the document was signed in XXXX and could not be enforced in the USA unless ordered by an Arizona Court, that as a case of legal matter this agreement would be controlled by the Arizona Revised Statute 12-544 since it was signed outside USA and outside Arizona and the limitation period is 4 years. See attachment. We never used the facility or the timeshare beyong the three days offered in XXXX and was not aware that a negative report was filed on Credit Bureau until we applied for a Mortgage in XXXX
|
| 11/10/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
RE Acc # XXXX I received the attach letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX when I intend to dispute an error on my credit. According to the letter they stated that a company call XXXX XXXX XXXX sold me a Vacuum machine that is why they are collecting the debt that I own. Below is the reason.
They came to my apartment and talk to me about the vacuum and ask me to give them my old one so that they can give me the discount of what they have. So, they took my information and they leave the equipment in my house and they said I should sign and they are checking my credit and come back to me and I said okay.
They never took my old vacuum anymore so I was thinking they will come back but they never return to my house.
And I dont have their number to call them. So I also leave the equipment in my garage and when I received your letter I beginning investigate the company and I found their number and I call them to explain the situation and they gave me address to where they are, I drove hour and half from my house to where they are and I gave them the equipment ( Vacuum ) So, I dont have the Vacuum in my side because I did not buy any Vacuum, I have return it.
No one can force me to buy something I dont need it so I have sent it to them by my self So please I dont own anyone or XXXX XXXX And I also dont own Monterey Collection because I did not buy or bought anything from no body Thank You
|
| 03/03/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I am writing to file a complaint against Monterey Financial Services LLC, located at XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, for posting a late payment to my credit report when the debt is no longer owed due to their multiple violations of federal laws, including the FCRA and the Debt Collection Act of Texas.
Monterey Financial Services LLC transferred my loan multiple times without my agreement and without providing me with a new contract to sign. They did not provide me with all the necessary documentation regarding the transfer of the loan, including who the new servicer was, if the payments were going to remain the same, and the new balance I would owe. As a result of their actions, they owe me {$30000.00}.
Furthermore, their actions have caused me significant harm, including reduced credit and financial damages. I demand that they close out this loan because their violations are now more than what the loan is worth.
Monterey Financial Services LLC has violated multiple state and federal laws, including : The Fair Credit Reporting Act ( FCRA ) The Debt Collection Act of Texas The Texas Deceptive Trade Practices Act The Truth in Lending Act The Fair Debt Collection Practices Act The Electronic Funds Transfer Act The Uniform Commercial Code Monterey Financial Services LLC 's multiple violations of these laws have caused me significant harm, and I demand that they be held accountable for their actions.
|
| 03/07/2020 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
On XX/XX/2020 Informed by XXXX XXXX my credit score adjusted down due to a delinquent debt. XXXX referred me to XXXX. on XX/XX/2020 Spoke with XXXX and refuted the debt. XXXX spoke with Monterey Collections asking for verification of appropriateness of the debt to me as well as providing proof to me of the debt. Monterey informed XXXX that the debt is indeed mine and valid. My SSN was not verified against this debt, since no information was provided as to the actual creditors SSN. The verification depended upon an address within my credit file that is not correct as a previous or current address. Upon my review of the documents provided by Monterey Collections ( received XX/XX/2020 ), I discovered that certain portions of the file were intentionally omitted. The missing documents pertained to a Preliminary Credit Rating Request Form, which would have indicated the SSN number of the actual debtor ( and I suspect it would also include the Driver 's License or Passport information of the actual debtor as well ). On XX/XX/2020, I have refiled a verification of the debt with XXXX attaching documentation demonstrating my inappropriateness of ownership of the debt. I have attached the letter I sent to XXXX for your documentation as to why this debt is not appropriate to me. I have edited the document to remove the names of family members I used to refute certain aspects of the contract provided by Monterey.
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| 05/18/2016 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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Over 2 years ago my wife had lab work completed in California and sent off to XXXX XXXX XXXX XXXX in XXXX XXXX. The doctor said that if the insurance company does not cover the fees the company ( XXXX XXXX ) would ( we now possess a copy of written documentation of this policy ). 2 years later ( now ) after not hearing from any issues on our insurance or the doctors office the company is bankrupt and a collection agency is trying to collect {$3000.00} from us for XXXX completed for the bankrupt company 's trustees. We sent them the written documentation agreement between the doctor, insurance company, etc, that explicitly states, " If it turns out your insurance company does not cover a specific test, XXXX XXXX assumes all the risk. '' We have sent the documentation to the collection agency ( Monterey Financial of XXXX XXXX ), yet they are continuing to try and collect the debt from us and many others even though they possess the documentation clearing everyone of all expenses associated with the XXXX. To do this is unethical, a scam and fraudulent business practices by Monterey financial. They are using scare tactics and threats to peoples credit to try and collect despite the documentation clearing the patients of any type of financial responsibility and preying on others who may not have the knowledge or possess the burden of proof we have received from our doctor who used XXXX XXXX XXXX XXXX.
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| 06/29/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Charged fees or interest you didn't expect
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Web |
Servicemember |
|
I purchased a puppy through XXXX XXXX in XXXX of 2023. The salesperson was very convoluted about the purchasing process and did not tell me that she had an issue with pulling my credit report, as I did not realize that my credit was locked at that time. She kept stating that everything was going well, and the process was almost complete. She just kept needing me to sign a document on her tablet or a document that was sent to my email for verification purposes. By the time it was all said and done, and I had time to review the documents, I had signed up for two different loans totaling over {$6000.00}. I immediately paid off one lone with XXXXXXXX XXXX in the amount of {$950.00}, but the loan from Monterey Financial is insurmountable and I was charged for things like a crate, food, and supplements that my puppy could not use ( items were advertised as being a gift ), not to mention the interest charges. I initially reached out to XXXX XXXX and was issued a check for {$200.00}, but this by no means covers it. I have tried to make payment arrangements with the company, but the process has been cumbersome and due to having to assist my recently widowed mother the monthly payments are entirely too much. Over the past week, I have received multiple calls throughout the day from this company to my cell and work phone and the messages that are being left are threatening and in by no means professional.
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| 06/12/2018 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Money was taken from your account on the wrong day or for the wrong amount
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Web |
Older American |
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I have an account with XXXX XXXX XXXX and the company that collects the payments is, Monterey Financial Services. My problem is that over the period of more than a year Iv'e been making my payments through a direct deposit account with XXXX XXXX . Last year alone, Monterey Financial has charged my account {$1400.00}, plus my maintenance fee. In return, I am not able to use my services because they accuse me of being late on my payments. Iv'e done everything possible to explain to them that this is a direct payment from the bank. Iv'e provided them with copies of my bank statements indicating that my payments have always been up to date. Iv'e been in constant communication with Monterey and even though they acknowledge that something is amiss they make no effort to right the wrong. I have come to the conclusion that this has to be a case of fraud. They hardly answer my e-mails and when they do they only ask for more copies of bank statements that have nothing to do with last year 's actions or lack of. I had a submitted a complaint with your office, but was told that either I would have to seek the services of an attorney or go to Legal Services. Thing is, I don't qualify for Legal Services and with my XXXX XXXX XXXX XXXX pension, I honestly can not afford an attorney. I would like for you to provide me with an orientation as to how I could file charges of fraud against this company.
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| 04/29/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Charged fees or interest you didn't expect
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Web |
Servicemember |
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On XXXX XX/XX/XXXX, I went to XXXX XXXX in XXXX XXXX XXXX and entered into a lease for a XXXX XXXX. After signing the contract, I realized that that the contract states that I received a physical copy of the agreement prior to signing and I was free to take it and review it. This do not occur. I was only shown a copy of the agreement on an iPad by the salesperson and it was only provided to me in printed form after I signed it. This is in violation of the Truth in Lending Act Regulation, 12 CFR 1026 Disclosures Provided on Credit Contracts Provision. Second, the contract states that I was to receive warranty papers regarding the XXXX XXXX - I never received this paperwork. Third, the early buyout option as well as the nominal fee at the end of the contract suggests that this transaction is a credit sale instead of a leasing contract. As such, this appears to be deceptive practices by the company. Further, unlike a true lease agreement, I am responsible for all caretaking for the pet with no responsibility to the company. Another indication that this is a credit sale disguised as a lease. Lastly, a disposition fee for the puppy is already calculated by the company and thus is seems unconscionable for the company to have a predetermined amount for disposing of the puppy. I met with a XXXX Attorney with XXXX XXXX XXXX, XXXX, Florida on XXXX XX/XX/XXXX regarding this matter.
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| 01/04/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
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|
Web |
|
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XXXX aka Monterey Financial, provided an online " Lease '', yet structured as a Loan.
The initial purchase was {$1200.00}. To buyout the lease/loan early, the amount exceeded {$3400.00}.
In XX/XX/2020, upon receipt of loan/lease documents, the window for a reduced early buyout of the loan had less than 12 hours to be executed.
The following business day, I reached out and inquired about a payoff amount, in which the adviser gave me with no reduced amount, simply the monthly payment x duration of loan. They explain, " Because this is a lease, they have the right to additional fees. '' To the tune of {$2200.00} on top of the original {$1200.00}?!
When I asked how this could be so high, it was relayed that " Details were provided in the information packet I digitally signed. You were made aware of our fees and were provided ample time for a buy out. '' Their provided time limit offered no time to gather the funds and pay the loan off early before the pay in full amount set in. I only used this service to help with building stronger credit lines. This mixed with Covid, has become a huge burden on our family. Had I known the dirty details, I would have used my credit card to purchase the products. 11 % is a darn sight better than their 200 % interest rate.
In order to keep in good standing, I've continued to pay on time. But, this is simply wrong of them.
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| 01/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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XX/XX/XXXX I submitted police report of identity thief and my government ID to XXXX 's fraud department and spoke with XXXX rep to remove a fraudulent transaction that was placed on my credit report. I notified them that I spoke to the company Monterey Collection in XXXX and let them know I've never done business with this company and that I am a victim of identity thief and to provide documentation of who open account in my name. I've never received anything from the company. Beginning of this month I went to the police percent to report identity thief. As of XX/XX/XXXX I've spoken with 2 Representatives and 1 Supervisor at XXXX who hang up in my face as I was tell them by law they are to remove the fraudulent collection MONTEREY COLLECTION XXXX amount {$5300.00} by FCRA 605B ( 15 U.S.C. 1681c-2 ) not later than 4 business days after the date of receipt by such agency to remove item. Before the supervisor hang up on me she was telling me the police report need to be sign by police office and that it was missing a page I stated to her this report is digital and they have all 4 pages and that the last page has the reporting officer and supervisor names and employee identification number. Shortly, after the disconnect I contact the police department and their record department assured me that attached police report is the whole report and it was sign digitally.
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| 07/30/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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|
Web |
Servicemember |
|
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.
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| 09/16/2020 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
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This complaint is toward Monterey Collections. I would like to state that I have never signed a contract with them nor have I ever requested to deal or communicate with them. Their communications to me have been extremely harassing, stating that they will obtain a judgment in 30 days and telling me to " govern myself accordingly ''. The calls I've received from them are from their " lawyer '' asking for money. The number they call from is XXXX. I have contacted the original creditor for years regarding the cancellation of my account being that they pushed this contract on me with extremely high pressure and being riddled with lies about the contract. This contract was a complete misrepresentation to me just to take my money, while also increasing the amount I have to pay each year. I have also expressed to them that I have been extremely sick, going into the emergency room several times at XXXX. I am continuously ignored, dismissed, harassed, and never once assisted in the resolution I am seeking. Now after years, they bring on the idea of putting a judgment on me? They misrepresented this entire contract, never provided assistance, and now want to place a judgment and destroy my credit. This is baffling! At this point, I am demanding that my report be cleared with anything from this company and that they remove me from their files and cancel all.
|
| 01/30/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
Servicemember |
|
In XXXX or XXXX my wife and I went to XXXX Fl and was required to sit in on a timeshare presentation. At the end we sat down with an individual from the presentation who talked to us about a vacation timeshare who also advised we had 90 days to cancel if we decided it was not for us. We did make a payment but we also canceled within the 90 days. Sometime later when we decided to purchase a home this appeared on my credit and has been growing ever sense. I do not owe any amount on this because I canceled within the time I was told. This has ruined my credit and I did take the steps to delete this from all three credit Burroughs but they did not delete it. I want this deleted forever from all three Burroughs. My wife has spoken to Monterey Financial and explained all of this more than once, she also recorded the conversation that included them verifying that we must pay in full and cant use the package until paid in full, as well as other ppl are paying this same package so my wife said that is double dipping and illegal! She recorded this information so that it can be handed over to a lawyer if this is not resolved before hand in an easier manner. The amount was first around 4900. But has more than doubled since the beginning. XXXX XXXX was the timeshare company and Monterey Financial is the one reporting to my credit, XXXX
|
| 05/10/2018 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
XXXX XXXX XXXX has continued to report inaccurate information on my credit reports each month. I have called inquiring about the account number associated with the account and they have sent me letters indicating that my account is closed and in satisfactory condition. As the months continued, I have checked my credit reports and this company is still reporting on my credit reports. So I called them and asked " why are they still reporting negative information on my account? '' She asked for the account number and I gave it to her. She said that this account has a zero balance and I told her that was correct and I have the letters that were sent to me showing that. I was put on hold and then she comes back and tells me that the account that I had has a new account number and has been sent to collections. First of all, how can I get a new account number and it's sent to collections when I have received information that my account was satisfied. On top of that, on my credit report, it shows that I have an original balance of {$3800.00} but I owe over {$7700.00}. This amount continues to go up every month. This company has deceived me and wants me to pay this amount of money in which I refuse to do because my account has been satisfied. They are unfairly reporting inaccurate information and this is detrimental to my credit.
|
| 11/01/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
Servicemember |
|
I believe that Monterey Financial ( XXXX ) engaged in deceptive and predatory lending practices which potentially violate the Servicemembers Civil Relief Act ( SCRA ), the Military Lending Act ( MLA ), the Consumer Leasing Act, and the Truth In Lending Act. The closed-end product lease I was given greatly exceeds the MLA 36 % limit on loans charged to military personnel. I was also not given a copy of the lease to review until requested directly on XXXX XX/XX/2022 ( attached as XXXX Contract ), several months after the lease had gone into effect, and initially I was given someone else 's lease documents ) attached as XXXX ). I was only given a verbal disclosure and a form to sign online but it did not include the lease information. Additionally, the provided lease document has my name and information but not my signature. Further, the XXXX tolling period for the Satisfaction Guarantee Buyout Guarantee did not account for time I was XXXXXXXX XXXX XXXX XXXX XXXX and I consequently missed this timeline by XXXX day. The lease also contains a binding arbitration clause which I believe directly violates the MLA and SCRA. I provided a letter to the company on XXXX XXXX ( attached as XXXX Dispute ), outlining all this but was told my claim does not have merit. I have attached documentation to provide additional details.
|
| 08/27/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
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On XX/XX/2019, I purchased a puppy from the XXXX XXXX XXXX in XXXX XXXX, FL. I qualified for a loan through their financial services, XXXX XXXX. They sent me a contract that needed to be signed immediately right there in the store. When I received the email I could not enlarge it on my phone. The entire contract was in fine print. I told the salesperson that I could not read the contract. I do not sign contracts I can not read. The salesperson told me she did not have a copy. On the XXXX website it states that they have easy financing with great rates. on their website site. The salesperson told me someone else wanted to purchase the dog I was under the incorrect assumption that I would be paying average credit card rates for the dog. I received an email from a collection agency I was confused. I opened the email to see that I was Paying more than 100 % financing for the dog and the dog did not belong to me he was a lease. I called the Monterey Financial Services to tell me I that I believe I have been defrauded by them and XXXX XXXX. That had I known the terms I would have put the dog on the credit card. I asked if I could pay the value of the dog and they replied that I have to pay at least 75 % of the lease term. XXXX XXXX and Monterey are working together to defraud the public.
XXXX XXXX ( XXXX ) XXXX
|
| 10/18/2022 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT While checking my consumer report, it came to my notice that your Company has furnished an account on my report.Without my written permission and also without giving me my right to opt out.
In pursuant to 15 USC 1692a ( 2 ), the term " Communication '' means the conveying of information regarding a debt directly or indirectly to any person through any medium.
As per the literal interpretation " Any medium '' includes any oral, written, electronic, or other mediums.
Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the Company will amount to Communication as per Fair Debt Collection Practices Act ( FDCPA ) Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding this account immediately.
This includes but not limited to telephone calls, emails, social media, or any Consumer Reporting Agency Any further contact by your Agent or Company, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ).
If you do not cease communication a lawsuit will be commenced against you.
Thank you for your cooperation Sincerely XXXX : XXXX
|
| 06/18/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/2019 a man came to my door to sell a vacuum cleaner. He stated i had 24 hours to return it if I decided that I didnt want it. I phoned the gentleman that sold me the vacuum ( his name excapes me ) and he stated that he couldnt pick it back up because he was headed to XXXX and wouldn't ba back until late ( at this time we are now 16 hours into having the vacuum ). I reminded him that i only had 24 hours. He told me not to worry that it would not count against me. He came back 48 hours later ( approximately ) with his wife in a mini van to pick it up. He kindly said that he regrets I couldn't keep it as he was in a contest for the employee that gets the most sales, at that he left. Now I am being charged along with interest for this vacuum I never used and do not have. When speaking to a XXXX rep ( financial service for the vaccum ) they said the vacuum was not in the possession and I am responsible for it. Im now on the hook for {$1200.00} ( the original amount ) plus interest for the total sum of {$2200.00} I am highly upset because not only do I not have the vaccum XXXX to be exact, It has had a very negative impact on my credit. The interest continues to collect and is very stressful. XXXX os the original creditor and it has now been put in collections with Monterey Collections Services
|
| 02/06/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
On XX/XX/2018 I leased a pet through XXXX which is managed by Monterey Financial. I leased a total of {$2600.00} and it stated that my payments would be {$180.00}. If I kept the lease the entire lease term it would be a total of $ XXXX.Which included a buyout of {$390.00} but that is not the case. Now it is the total of {$4900.00} plus the {$390.00}. I am trying to buy out the loan early by 14 months and they are stating that I would have to pay {$2000.00}. I have already paid {$2100.00} because I missed one payment and since I couldn't pay the two payments in one month I had to pay an extra {$120.00} to push the one payment to the end of term plus they charged me with 6 late fees for the 1 month I missed. No where in my paperwork did it state that my payment of {$180.00} was split to include a lease fee of {$99.00} so only {$90.00} was actually going to my principal. I am just trying to get it paid and move on but nothing is working. If I pay off a loan in half the time I should still be paying double of what I financed. I understand I made the decision but this is horrible and gets people into financial problems. I need help trying to settle this lease. Then also when a debit card transaction wouldn't go through they would charge another {$15.00} but it was never returned it was just declined.
|
| 04/14/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I signed up with XXXX and was put on a payment plan through Monterey Financial. On the XX/XX/XXXX I called XXXX and asked if I could pay in full. They took the payment and told me to disregard communication from Monterey Financial. On the XX/XX/XXXX Monterey Financial called me. I explained to them that I paid in full and I need them to remove the late payment that is now on my credit. They were abusive and rude and I asked if I could prove this. I emailed them my receipts and contacted XXXX. XXXX informed me they would take care of the mishap on the following Monday, XX/XX/XXXX. Monterey Financial called me on Monday, XX/XX/XXXX and said i need to email the receipts again. I informed them that I spoke with XXXX and they will be following up with them later that day, and any information they need they can get from XXXX. They were even more abusive and rude to me. I asked them not to call me ever again. They called again, later that day. XXXX informed me later that day that everything has been cleared up. I informed them I need the late payment taken off of my record and they said that should be fixed when Monterey Financial finishes processing. I received another call from Monterey Financial on Tuesday, XX/XX/XXXX. I am tired of being harassed for payments i don't owe. Please make them stop.
|
| 09/27/2021 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I agreed with XXXX XXXX XXXX representative XXXX XXXX in XXXX to pay a portion of the amount owed for my mother 's XXXX XXXX XXXX provided at XXXX XXXX XXXX XXXX California incurred during her stay in XXXX. The debt arose because XXXX XXXX XXXX XXXX had represented to us that they were an approved XXXX XXXX provider for the California pilot care program. The care was to be paid for by the State of California under their XXXX XXXX pilot program in XXXX county, but the facility 's new owners had let their license lapse so they were not eligible to participate. As a result, my Mother 's claim was denied and we had to move her to a facility that was approved. I agreed to repay a total of {$12000.00} and began to make monthly payments of {$250.00} to XXXX XXXX. As of this writing in XX/XX/XXXX that debt was less than {$2000.00}. I XX/XX/XXXX I received a letter from Monterey Credit, who had just acquired XXXX XXXX advising me that I owed {$14000.00} and that I had 30 days to dispute this charge or be held liable for it. It is signed by XXXX XXXX. I have called Monterey Collections several times now and after speaking with a receptionist have been told to hold while being transferred only to have the line go dead on each occasion. I believe they are acting in bad faith in not speaking with me.
|
| 01/22/2024 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureaus, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you regarding the following account : Original Creditor Name XXXX XXXX XXXX XXXX Please provide me with : 1. What the money you say I owe is for.
2. A detailed explanation of how you calculated what you say I owe.
3. Copies of any and all papers that prove I agreed to pay what you say I owe. 4. A verification or copy of any judgment, if applicable.
5. The identity, name, and address of the original creditor.
6. Proof that the Statute of Limitations has not expired on this account.
7. Proof that you are licensed to collect in my state.
8. Your license numbers and Registered Agent or Agent of Service.
|
| 11/20/2019 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
This is my third attempt to have them remove the inaccurate information listed with the credit bureaus. I am still disputing this based on the law they used a stall tactic the first time and failed to meet the 30 day requirement to send me physical verification. A violation. That was grounds for them to remove info. I asked for info on how/why they are charging 12 % and reminded them they didn't send verification the first time. They answered again. The contract they sent showed clearly that 10 % is the correct amount. They have failed to follow the law. They failed the original request to validate within 30 days, They have the wrong amount showing, which is a violation and grounds to remove it. How is this possible under FDCPA.
The FCRA requires you to verify the validity within 30 days. You didn't you are obligated by law to remove your inaccurate derogotory information. You also stated you are charging me 12 % wrong interest rate another reason you are obligated to remove it. You leave me no choice but to sue you for actual damages and declaratory relief under the FCRA. This regulation states I may sue you in a qualified state or federal court including small claims court in my area. I look for a swift and amicable resolution.
They are falsely stating they are following the law.
|
| 08/31/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
After careful review of my consumer reports, I noticed an account on my report from Monterey Collections account number : XXXX.
I have not received any goods or services from this company ; nor have I ever done any business with the company. I am unsure of how this company illegally obtained any of my information as far as my name, ssn, and dob. As I know that only a contract/ signed agreement between XXXX XXXX and myself would make me legally bonded to any debt that they maXXXX claim. I am very sure that I have never provided any wet signature or provided any of my personal information to this company on any agreement.
With that being said, had XXXX XXXX sent a Debt Validation Notice as they are lawfully required to per FCRA ; I would have been able to rightfully dispute this account before they unlawfully caused harm to my consumer reports. I am requesting that XXXX XXXX provides proof of delivery/receipt that they have sent a debt validation notice. I have never received any written or verbal communication as directed via FCRA Law allowing me the proper opportunity to dispute this invalidated debt.
Consider this a demand to cease and desist as well as a notice of unlawful conduct of failure to distribute proper notice. Please remove this account off my consumer reports.
|
| 12/01/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I never checked my credit score, but I was applying for a Mortgage Origination License with the NMLS, and I discovered a derogatory item on my credit history. It is showing that I have an existing account in collections from XXXX XXXX XXXX, stating that I have taken out an unsecured loan that was originally opened on XXXX XXXX, XXXX, totally an amount of {$3900.00}, which now a closed account due to insufficient payments. I have not taken out any type of loans in or around that time it states, and I want to resolve this problem before it affects me anymore. I am not sure if it 's mistaken or identity theft but I tried reaching out to the service. XXXX XXXX XXXX and they said that " my account is no longer accessible '' because they sold my account to another company. I then asked for the company information to who they sold it to or passed it on to and I was told from the person I spoke to that, " He will call me back with a phone number '' so I can reach out to them. I never heard back from this company and called back for a second time and was told the same thing the last time I spoke to XXXX XXXX XXXX. Again, I received no phone call or email. At this point, I am stuck and do n't know what to do and will want additional help to resolve this matter as soon as possible.
|
| 08/06/2019 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
I spoke with representatives from Monterey Collections on XX/XX/XXXX who are charging me outrageous interest and fees on a sold account from XXXX XXXX XXXX XXXX ( XXXX ). Rep XXXX and another employee threatened that the account would be referred back to XXXX in order for legal action to be taken against me. I then requested the contact information for that legal department in order to assure that legal action would be filed seeing as it has been a difficult process working with this company and XXXX. I was denied the information of said threat. On XX/XX/XXXX I contacted both original debtor ( XXXX ) and finance company ( XXXX XXXX ) who both stated the status of account was Servicing transferred ( sold ), the original amount {$4600.00} received a payment of {$110.00} as of XXXX XXXX ( last payment ) of which was a result of a loan modification on which XXXX defaulted on, and the maintenance was stopped/forefeited on XX/XX/XXXX. This company is consistently in violation of FDCPA rules/guidelines. They are reporting erroneously on my credit report falsified information and have threatened to take legal action of which speaking with rep XXXX from XXXX and XXXX XXXX XXXX there is no such legal dept that Monterey Collections is able to continue threatening me with.
|
| 10/18/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I attempted to do business with a company called XXXX in XXXX of 2021. This was supposed to be a vacation club offering high end vacation packages at a discount price. The total amount of this package was {$7800.00}. I was never provided with a contract or any proper disclosures, only some vacation brochures and a non working usb drive that was supposed to have a contract on it. I had to pay a down payment of {$780.00}. After not being able access my account for a month I was finally able to log on to attempt to book a vacation. After access to the online account is when I realized this company was a total scam. I immediately called them in XXXX to cancel and get a refund. I was told that I could not cancel and that my deposit was not refundable. After a few attempts to escalate the situation I finally gave up and said the can keep my deposit but I dont want anything to do with this company. At this point Ive paid {$780.00} and received nothing. I thought to myself that this was just the price I have to pay for getting scammed. I Over a year later I see my credit report has collection for over {$10000.00}. I reached out to Monterey collection agency ( the company reporting the collection ) to dispute the collection with no success. This has been a nightmare.
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| 04/30/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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I am writing this complaint in regards to Monterey Financial. First they call my cell phone multiple times and have never confirm I allow them to do so under the TCPA act this is illegal. Second they set me up on a payment plan which clearly states the date the payment is due and does not give a specific time. Today XX/XX/2021 they call me regarding my payment and they said it did not go through. I advise them it will be made by the end of the business day. The representative XXXX XXXX told me it had to be paid by XXXX XXXX or they were going to reverse my payment plan and threatened to collect the balance in full. The agreement has not time on it as to when the payment has to be made and I offered to make the payment by the end of the day and she became difficult telling it would cause my assistance to be reversed. I do not appreciate and have been having issues with there staff since day one. I have asked to speak with a supervisor and one is never available. I have spoken with team leads and they do not resolve the issue, but make excuses why there staff did what they did. I work in this field as well and know my rights and feel they have treated me with the most un customer service like respect I have seen from a company in a long time. This company
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| 04/24/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I have a timeshare membership through XXXX XXXX. They sent my maintenance fee bill to an address not used in 15 years, although having my correct address on file.
It was then sent to Monterey Financial Services to collect on the debt. I received no notification in writing that this money was due or in collections from XXXX or Monterey Financial Services.
I did receive an email and I quickly followed up with a phone call to XXXX XXXX - XXXX, ext XXXX. No answer. I left him a voicemail asking what this was about and asked for a call back. I never received one call back from them.
In XXXX of XXXX I called Monterey Financial back and spoke to a general call center rep who took my payment, along with late fees for the amount of {$730.00} for account XXXX. To date ( XX/XX/XXXX ) I still have not received proof of payment/receipt via mail or email. I have called and emailed Monterey Financial with no response.
My credit has been negatively impacted, showing a collections although the amount has been paid, and furthermore, my over 20 year old membership with XXXX is still " on hold '', and has not received my payment from Monterey Financial. I have paid but it is not reflected in my credit nor with XXXX.
Please help. Thank you.
XXXX XXXX XXXX XXXX XXXX
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| 11/18/2019 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
Servicemember |
|
The original contract with XXXX XXXX XXXX XXXX XXXX XXXX is listed on my credit report allready. The account Monterey Collection services shows in collection is a duplicate account of XXXX XXXX XXXX XXXX XXXX XXXX. This is my second request written request to have them remove the duplicate.The amount shown does not match the original amount, they have negatively reported on my credit report. I asked for physical verification plus they remove duplicate their duplicate account. They have never sentThis appears to be a stall tactic which has hurt my ability to obtain credit. Also I'd like them to send me physical verification where the 12 % interest they are charging me I agreed to. They threatened me and you can see it by the tone in their response to you. They have NOT provided me with a physical copy of any original documentation required under Section 609 ( a ) I demand under FCRA that the unverified duplicate account be removed. If Monterey collection is representing the original. Section 611 ( 5 ) ( A ) of FCRA -your are required to " ... promptly DELETE all information which can not be physically verified.The Law is very clear. Once they remove the information they can reach me at XXXX or mail XXXX XXXX XXXX XXXX XXXX CA XXXX or XXXX XXXX
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| 01/06/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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I have been through a really hard situation. It has affected all areas of my life ( emotional, familiar, financial life ruined, etc. ). MONTEREY COLLECTION has committed multiple violations of California Deceptive Practices Act, the CCRA, California Rosenthal Act, violation of California Consumer Call Protection Act, California Credit Reporting Agencies Act and Truth in Lending Act : THE COLLECTION IS A FRIVOLOUS DEBT, WHICH IS NOT ENFORCEABLE IN CALIFORNIA, SINCE THERE WAS NO STANDARDIZED TRUTH IN LENDING DISCLOSURES AND TERMS PROVIDED AS REQUIRED BY FEDERAL AND STATE LAW.
- USING AUTOMATED DIALER.
- MISREPORTING DATE OF LAST ACTIVITY.
- RE-AGING ACCOUNT.
- THE ORIGINAL CREDITOR IS NOT REGISTERED WITH CALIFORNIA SECRETARY OF STATE TO CONDUCT BUSINESS.
- THIS TIMESHARE WAS SOLD TO ANOTHER PARTY AND THERE WAS NO DEBT TO BE INCURRED.
- UNFAIR BUSINESS PRACTICES - NEGLIGENCE.
I already tried to get listened. I sent them a letter via mail but I was ignored. All I am looking for with this complaint is to get a fair solution : To get the debt cancelled and the item removed from all 3 credit bureaus. Here is the account information : Monterey Collection Services, account XXXX XXXX, date opened : XX/XX/2018, original balance : {$7900.00}.
|
| 12/08/2017 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Keep getting calls about your loan
|
|
Web |
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XXXX I signed a consent form with XXXX XXXX/ Monterey Financial Services , XXXX XXXX Loans, not informed of what all this was really truly about. {$57.00} began coming out of my account each month beginning XXXX.
-After figuring out that this was fraudulent, I tried to cancel the contract with XXXX XXXX Loans and was informed it was n't possible unless it was 10 days after I signed it.
-I have many of emails stating I wanted to hear the voice recordings of where I gave my routing and account number/bank information, I never received such.
-I also knew it was fraudulent because someone emailed me asking for my password. Which caused me to call my servicer, because I knew that was not correct.
-My servicer informed me that it was fraudulent because this company made up a password and federal student aid account for me to fill out information on my behalf.
-I am now doing the work myself, filling out all forms and submitting them myself without any help from anyone.
-There is a stop payment on my account so no money will be taken out anymore.
-My bank filed a complaint also.
-Now I am being harassed with phone calls stating this matter will be given to collections.
-but, I am confused of how if this is fraudulent activity.
|
| 02/22/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
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I signed up for what I thought was financing for my puppy from XXXX XXXX XXXX in XXXX CT in XX/XX/2018. The sign on the window specifically said financing, and the woman I was dealing with when applying for the financing said I would be making monthly payments for 2 years from the start date in XXXX. The sticker price of my dog was {$2400.00}. I applied for the financing through Monterey Financial Services and was approved. The woman at the pet store had me sign a few things quickly and that I was all set. Ive been making on time monthly payments of {$220.00} each month ever since then. Last month I went to check on how many more payments I had online and was shocked to find that I still have over {$4000.00} left to pay. I called Monterey Financial Services and was told I was not actually financing my dog, I was leasing it and to actually own her at the end of the leasing term I had to pay {$400.00} more. This was never told to me in the pet store or when I was on the phone applying for the financing. Now I am stuck in a pet lease and on top of it I have to pay more to own her at the end of it. I feel like I was misled in the whole process and Monterey is telling me that if I miss one payment they are able to take the dog back.
|
| 09/10/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
I never had an agreement or contract with this company Monterey Collections XXXX but started receiving calls from them stating I owe them money for a closed and old debt from a company that was taken out in XXXX that never contacted me since I can remember. I started receiving the calls in XXXX and my credit report was hit in XXXX. They 've since then been adding {$1.00} a month to knock my credit score down tremendously. It 's frustrating because I 've since worked in my credit and cleaned it up since I 've retired due to the financial struggles I experienced while on XXXX XXXX not by choice. How can a company I have no agreement, contract or any dealings with do this? Being threatened over the phone to sue me and attack my score until I pay them in full has really affected me mentally and physically. They 've kept there word with the " affecting my score threat! '' It 's also odd they have my old address but I was never contacted by the original company. I 've even gone through a debt consolidation company that included this past debt called XXXX XXXX XXXX XXXX. I 've had enough medical and life issues I 'm dealing with daily and these people are n't helping me or my situation by harassing me or others. Please help.
|
| 05/03/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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|
Web |
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My consumer transaction report has been tarnished due to Monterey Collection services. I have been called multiple times harassed by their call center or reps about an alleged debt. violation of XXXX XXXX XXXX ( a XXXX XXXX XXXX XXXX XXXX without prior consent. Violation of XXXX XXXX XXXX : Harass and oppressive use of XXXX about an alleged debt. I have not ever signed a contract with XXXX XXXX XXXX which is a violation of XXXX XXXX XXXX ( XXXX ) Attempting to collect a debt unauthorized by an agreement between parties. Then this alleged debt has caused me to lose out on employment opportunity as well as home ownership, a violation of XXXX XXXX XXXX. Lastly, as a law abiding fedeerally protected consumer I was not given the opportunity to validate this debt and even sent off papers certified mail asking for these phone calls to stop, as they were harassing myself as well for XXXX to send me information regarding this deby. I have not received a reply from XXXX which is a violation XXXX XXXX XXXX ( a ) ( XXXX ), certifiable validation and verification of alleged debt.As the original creditor of any debt, I do not validate this debt and demand it be removed from my consumer transaction report immediately.
|
| 01/31/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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|
Web |
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I have discovered a derogatory mark on my credit about a year ago that did not seem familiar. After doing research I found out that the entry was related to a bail bonds company. At this time they provided me with information about an old roommate of mine who I have zero contact with apparently submitted my name as a backup contact and provided materials he collected from my initial application process when i moved in a few years before this.
I have made several attempts to clear this from my report as I have not ever gave permission to this person to use my information and should not be liable for this persons debt. I have asked on a few occasions for them to provide me with proof of my information being submitted. They informed me that someone must have came into their offices and provided identification. This would be impossible and I would like to have some hard proof that this occurred. They said they would provide this information but still to this day will not remove the account from my credit or provide any further information.
I am not sure what else can be done to resolve this. I do not want to pay for a debt that is not mine and clearly the result of identity theft.
|
| 08/16/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
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|
Web |
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XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX, XXXX Complaint Department Monterey Collections XXXX XXXX, CA XXXX I am writing to dispute the following information that your company provided to XXXX, XXXX, and XXXX. I have circled the items I dispute on the attached copy of the credit report I received.
This item regarding the said debt owed for {$370.00} is inaccurate because this debt was filed in my Chapter XXXX Bankruptcy Case No. XXXX - XXXX - bk - XXXX and discharged XXXX/XXXX/XXXX. I am requesting that Monterey Collections have the item ( s ) removed to correct the information.
Enclosed are copies of XXXX XXXX XXXX, Chapter XXXX Bankruptcy Case No. XXXX - XXXX - bk - XXXX and discharged XXXX/XXXX/XXXX supporting my position. Please reinvestigate this matter and contact the national credit reporting companies to which you provided this information to have them delete and correct the disputed item [ s ] as soon as possible.
Sincerely, XXXX XXXX XXXX XXXXXXXXXXXX XXXX Enclosures : 1. XXXX XXXX XXXX - Chapter XXXX Bankruptcy Case No. XXXX - XXXX - bk - XXXX and discharged XXXX/XXXX/XXXX XXXX. Collection Letter from Monterey Collections dated XXXX XXXX, XXXX
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| 12/15/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
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In XXXX of XXXX I purchased a diamond ring from XXXX, I put down XXXX XXXX dollars on that ring and my payments were XXXX a month. I put this account on auto pay. Account number XXXX. I put this account on auto pay. I was never late for more than two years, they sent me a payment book, so on the last payment in my book I made the payment then closed out the account. A month later I recieved a cll from Monterey stating I owed them one more payment at a balloned cost to close out the account. They advised me because it was the last payment I had to pay more to close out the account. I advised them I still have the payment book in my possesion, and I did in fact make the last payment. I tried to settle this account at the payment I had before I closed the account. Monterey advised me they would not except that payment. I did not recieve anything in the mail advising me I had another payment, and I did not recieve anything in the mail about the last payment being larger than the origanal payment of XXXX. I finished paying on this account in XXXX of XXXX. I was never late and I never spoke to Monterey for overr two years until the last payment issue came up.
|
| 11/16/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
|
|
I am a desperate consumer. I hope this complaint helps me to get a fair solution to my issue. I want to express that Monterey Collection Services has committed the following damages and violations to the California Credit Reporting Act : the account has been re-aged. Date of last activity is being reported much after the opened date, they have failed to report last payment date. This is causing a huge impact on my score. They have been negligent and unfair.
I have suffered several damages : This item has stopped me from getting loans and is making me pay high interest rates due to credit score drop. My financial life is ruined because of this situation, i have experienced emotional stress.
Based on all the damages that this company has caused me, I am demanding the following account to get removed from my records : account # XXXX, Opened date XX/XX/2017,, highest balance {$1700.00}, current balance {$0.00}, original creditor : XXXX XXXX XXXX.
I have made my research and I have prepare some documentation. Please send the attached files to Monterey Collection Services, that is also known as Monterey Financial Services LLC.
Thank you.
|
| 12/05/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Taking out the loan or lease
|
|
Web |
|
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I ordered an exercise machine from XXXX off of a television infomercial. I agreed to pay XXXX payments of {$49.00} per month. One month after receiving the equipment I received a letter from Monterey Financial Services advising that I have a loan with them. A week later the account showed up on my credit bureau report. I never agreed to having an installment loan placed on my credit bureau reports. XXXX XXXX took it upon themselves to set up an account with Monterey Financial. During the course of paying for the equipment I got behind and Monterey Financial reported me as 61-90 days past due. When called Monterey and advised that I was going to sue them as I never gave authorization for them to open an account in my name and place it with the XXXX credit bureaus. XXXX the representative I spoke with received authorization from her supervisor XXXX XXXX that Monterey would change the status to paid as agreed if I paid the account off.I checked my credit files and found that they only reported the account as paid but with late payments. This was not the agreement. Further more the account should have never been placed on my credit files.
|
| 05/07/2019 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
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On XX/XX/XXXX my car needed repair so I took it to XXXX XXXX XXXX and they charged me {$2800.00} for repair when car was picked up XX/XX/XXXX. The technician told me I could make payments so in order to pick up car I needed to pay XXXX that would leave a balance of {$2500.00}. I have made payments of {$3200.00}. I got a call today that I still owe {$2800.00} that I was in a lease for my repair bill with XXXX XXXX XXXX and the company that is collecting is Monterey Financial. I was not aware that I was in a lease for a car repair. I thought I was making payments for the repairs and now am being told that I am in a lease and if I do not pay the additional {$2800.00} that legal action would be taken. I have received messages at my work and on my cell phone from this collection company. I would like to have this resolved. I have paid the amount of the repair and do not plan on making any additional payments. I feel like I have been taken advantage of this is a high interest lease that I was not aware of. I did not sign a lease and would like this resolved and closed out. I do not feel that I should need to pay any more than the repairs.
|
| 01/28/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I am writing to file a formal complaint against the XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) and MONTEREY COLLECTION SEVICE ( Original Creditor : XXXX XXXX ) for negatively reporting a debt on my credit report without my knowledge. Despite multiple attempts to contact the company, I have received no response.
Upon discovering the debt, I have found several inaccuracies in the reporting. The Date Last Active, Date Opened, Date Last Reported and Account Status are all incorrect, impacting my mental health, credit-building efforts, and credit applications.
I have diligently followed the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in addressing this matter with the company to no avail. The situation is now severely affecting my financial well-being, and I am compelled to seek resolution through legal avenues.
I kindly request your immediate intervention to rectify this matter and ensure the removal of the inaccurate debt from my credit report. Your assistance is crucial in restoring fairness and accuracy in accordance with the FCRA.
Thank you for your prompt attention to this matter.
|
| 11/30/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
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2 years ago I saw add on tv and called a number to buy a makeup spray machine that they advertised for {$29.00} plus mail cost of {$20.00} for a total price of {$49.00}. I paid with my debit card, after several days the product got to my home in an open box and the machine looked used. I tried to call customer service to let them know that their product was used product and had no manual on how to use it. but customer service of XXXX made me wait long time, never got a representative, I called several times, with the same result, and I got tired and stopped trying to call them. I left the machine in my house because I did not know what to do with it. I thought, I just did a bad buy and left it there. After 2 years I received a call from Monterrey saying that I owed {$620.00}. I never signed any paper saying that I will buy the machine for more money than the {$49.00} I already. Monterrey is damaging my credit seeking that way to press the consumer into paying with the threat of the credit report. There is thousands of bad reviews of this company because of this fraud that is doing to me and all those other people
|
| 02/15/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
This dispute is past the expiration date to report to credit agencies. Monterey Collection keeps extending the expiration date which should be against the law. They exercise illegal practices and ruining credit unlawfully is one of them.
On XX/XX/2014 Purchased an airbrush from XXXX for {$350.00} on a trial basis.
Sometime after that, I found an identical item online for {$30.00} and purchased it.
On XX/XX/2014 I emailed XXXX to cancel the trial purchase.
On XX/XX/2014 XXXX emailed me to agree to take the item back.
On XX/XX/2014 XXXX emailed me to inform me that the trial purchase time ended on XX/XX/2014.
On XX/XX/2014 I emailed XXXX to remind them I contacted them prior to XX/XX/2014 to cancel the purchase.
Monterey Collections, acting on behalf of XXXX, has ruined my credit by extending the years allowed to report a debt issue.
To date, seven years later, they are still ruining my credit over this dispute. I want them to remove the negative credit report since it has been seven years and I still maintain that I canceled the purchase and wanted to return the item which is in the original package.
|
| 10/05/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
About mid-September my husband, and I began receiving DAILY robocalls from Monterey Financial Services ( XXXX ). We have no account with Monterey, nor any outstanding debts. The robocall stated that by listening to it, we were admitting to having an account with Monterey ; and when we call, we should make sure no one could hear us before giving them private information. There was no other information given about this alleged debt, and we weren't addressed by name. I looked them up online, could not find any further information except for a phone number ( XXXX ). I called this number, but needed to have an account number in order to be connected to someone. We do not have an account. I then checked the XXXX XXXX XXXX and got their address. ( Monterey Financial Services, LLC, XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX ). I have made no further attempts to contact them.
As I stated above, we have no account with them. We have not heard of them or from them before and have received no other communication from them with any specifics.
All the calls have been made to our landline home phone and continue daily.
|
| 09/19/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
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.
|
| 05/13/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
In XX/XX/2022, my husband and I noticed that we had a collections added to our credit reports. The collection statement stated that we were 3 months past due for a debt we did not have any knowledge of. We sent letters to the debtor as well as the credit bureaus to validate this debt XX/XX/2022. On, XX/XX/2022 we received a validation response from the debtors that used past tense terms in their response. The validation response stated that we already had our chance to dispute the debt. I decided to call the account manager for verification of the notice they said they sent. When I spoke with the manager he stated that he notified me via phone call on XX/XX/2022 of the debt, that he explained the entire debt to me and that I responded by saying " I don't believe you '' and hung up on him. This accusation is completely false. We never received any notice or phone calls from this company at all. Not written nor on the phone. He told me to ask for verification of notice through writing, which I plan on doing. We are also still incurring interest on this debt while we are in the middle of a dispute.
|
| 09/28/2017 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
XX/XX/XXXX XXXX XXXX: Called for XXXX XXXX (?) for debt collection. Called back and told them I don't know the person.XX/XX/XXXX XXXX XXXX: Called for same person.XX/XX/XXXX XXXX XXXX: Called for same person. Ext XXXXXX/XX/XXXX XXXX XXXX: I called but closed.XX/XX/XXXX XXXX: Called for same person. Ext XXXXXX/XX/XXXX XXXX. Called for same person.XX/XX/XXXX XXXX XXXX: I called and again stated this was my phone. They asked if I know where XXXX was. I again stated no and don't call anymore.XX/XX/XXXX XXXX: Called for XXXX again. Call from Ext XXXXXX/XX/XXXX: XXXX I returned the call again and intitially spoke to XXXX. Asked if the were taping the conversation and they said yes and I asked if I had their permission to also tape. Told him I contacted them onXX/XX/XXXX and got hung up on twice before somebody would listen that they have the wrong number and called again onXX/XX/XXXX and said the same thing and that said they would not call anymore. Was put on hold for approx. 15 min before he came back on the line and transferred me to XXXX how looked up the extension and said it was a mistaken call.
|
| 10/10/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have never done business with Monterey Collections. I do not have a signed contract with Monterey Collections. I am not liable for this debt from XXXX XXXX. On XX/XX/2018 I contacted Monterey Collections asking for a proper debt validation. I also contacted Monterey Collections on XX/XX/2018 asking for proper debt validation. Monterey Collections failed to complete this request with a proper debt validation. An alleged e-bill does not meet FRCA requirements for validation. Monterey Collections has had ample time to produce a proper debt validation. If Monterey Collections can not immediately produce a signed contract from me acknowledging that I have in fact done business with them and am liable for this debt, which is proper validation, then they must remove their erroneous trade from my credit report at once. Inserting erroneous information onto a credit report is a FRCA violation that is liable for payouts starting at {$1000.00} if pursued. Monterey Collections does not have permission to contact me by email, phone, or US mail. All communication is to be done through this CFPB portal.
|
| 12/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
My ( XXXX XXXX XXXX ) and I were in XXXX in XX/XX/2019 XXXX We were stopped on the street and asked to come hear a presentation after winning a free gift. We were mislead into purchasing a package that was not what they claimed it to be. After realizing we were taken, ( within 3 days ) we tried to cancel the package, calling every number on the paperwork for days, but to no avail. We kept getting the runaround saying someone would call us back, but no one ever did. We left several messages with several people asking them to cancel our package.
Months later we received a collection notice in the mail from a place called Monterey Financial Services of CA. The original company was XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. We had a free consultation with a lawyer and we tried to dispute it online. To no avail.
Our issue is that the original company was in a foreign country so how is it that they have the right to tamper with our credit here in the US.? We are utterly appalled at the fact that something like this could happen. We feel totally unprotected. The amount is ( {$9000.00} )
|
| 09/20/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
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I am asserting my rights as the Consumer pursuant to Title 15 U.S.C 1692a Monterey Collection Service fraudulently reporting to XXXX credit agency on XX/XX/2018 an alleged debt without proper validation of the alleged debt. I have no contract with Monterey Coll SVC. They haven't spoken to my peers, which is the only way the can validate the debt.
The only way Monterey Collection Service or anyone or thing can put something on a credit report is by Federal judge order or I asking as the Consumer and Authorized Representative. I most certainly didn't request to have this added to my report nor did a Federal judge order to put anything on the credit report for the NAME I am the Authorized Representative of.
Monterey Collection Service is in violation pursuant to 15 U.S.C 1692a ( 2 ) Monterey Collection Service is in violation pursuant to 15 U.S.C 1692e ( 1 ) Monterey Collection Service is in violation pursuant to 15 U.S.C 1692d I will use my rights as a Consumer pursuant to 15 U.S.C 1635 to rescind any signature I will use my rights as a Consumer pursuant to 15 U.S.C 1692g ( c ),
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| 12/16/2023 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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We are writing to file a complaint against Monterey Financial Services who continues attempting to collect money from us based on alleged debt they themselves do not even own and continues making derogatory marks on our credit report based on nonpayment of alleged debt they do not even own. We have repeatedly disputed this debt with them directly and demanded they either verify and validate this supposed debt immediately or that they immediately cease their collection efforts and remove the derogatory marks theyve made from our credit report. However, they refuse to do so all based on debt they allege we owe, that we have repeatedly advised them that we dispute, and for which they themselves do not even own.
Please assist me in forcing Monterey Financial Services to either 1 ) immediately verify AND validate the alleged debt they continue trying to collect from us or 2 ) to immediately close this account, cease efforts to collect from us, and remove the negative marks they have made on our credit report. We greatly appreciate your assistance.
Sincerely, XXXX XXXX XXXX XXXX
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| 06/07/2016 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
Older American |
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I received a letter from Monterey Collections stating that I had an outstanding bill for Medical services in the amount of XXXX. I have called them three different times left messages and no calls returned. I have now received From Protect My ID account that this company has now added a Negative Rating on my Credit for a bill which I knew nothing about. Doing some research I found out that they bought receivables from a company named XXXX , XXXX which is being investigated for fraud by the Federal Government. I have contacted both XXXX and XXXX and disputed this charge. I have never been late on any bill and have always paid what I owed. I do not know what these services were nor to I think they are justified. I do not even know who ordered these presumed tests in my behalf. I have always had insurance coverage and have paid any deductibles or co pays when I have received a legitimate bill. This charge smacks of fraud and I would like this taken off my credit information as well as having Monterey Collections seize all further action for a fraudulent charge they are not due.
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| 03/20/2015 |
Yes |
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- Communication tactics
- Frequent or repeated calls
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Web |
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I went to the shop called XXXX on XXXX XXXX to get my car fixed, it was on XX/XX/2015.The owner put me on a plan called flexpay plus, after taking me {$200.00} cash only, no receipt was given, for me it was red light.then the rest was supposed to be pay within 90 days or by refinance with high interest,XXXX weeks after i scheduled to pay off the loan within 90 days, they called me and said that they made mistake on the amount that i own them that it should be higher, i said ok, then i have chosen to pay them one time payment in my convenience day but before 90days expired, they did not like it and they start those abuses listed at the bottom 1-They call me all the time.
2-when they call me and i pick up the phone, there is nobody to talk with me, i listen the music and the voice of lady talking until it tell me press 1 to leave a message and we will call you back 3-they harass me all the time 4-their practices are just illegal Starting i thought i was dealing with XXXX then i found myself dealing with montereyfinancial only few days after signing the contract with XXXX
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| 04/28/2023 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
Older American |
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I received a call from XXXX, a representative from Monterey Financial ( MF ), on XX/XX/23 who followed up on the email exchanges I had with the company. I told XXXX that I do not owe any debt to MF. He told me that MF is just a loan servicer, not a debt collector. Yet in the email exchanges, it clearly states that MF is a debt collector. Even on its website, it prominently states that it is a debt collector. XXXX threatened that if I do not pay, the company will report it to the credit reporting agencies which would damage my credit. I have never received a statement from MF or XXXX showing the amount owed, payment due date, and amount due.. NOTHING!
I believe Monterey Financial is not just a debt collector in this transaction. It is an active participant in foisting a scam. If it is just a debt collector, why does it aggressively advocate XXXX 's interests? It encourages me to ask for its help in taking advantage of my XXXX membership.
I have attached the email exchanges between MF and me, and the letter I sent to XXXX XXXX XXXX which triggered this email exchange.
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| 04/25/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
Servicemember |
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I was provided false information about the program XXXX XXXX XXXX AGENT XXXX PROVIDED IN ORDER TO SIGN UP ME UP WITH A VACATION PACKAGE. Everything promised sounded too good t be true especially when she said we can book with any resort/hotel even outside of XXXX. My wife confirmed 3 times that this information was all ture and she said yes, after you become a member you will only have to call your reservation speciallist to book for you. this was important because we already had trips planned with resorts outside of the XXXX network so we thought and was assured that we would be saving thousands by simply joining XXXX. after we waited 30 days for membership to start I tried to book XXXX XXXX in XXXX and was told that is not in our network. I then advised them that we were assured this exact resort is in network by our sales agent before signing up, had she said it was not we would not have signed up. its now going on 3 months and they are charging me monthly even after my dispute and request to cancel this agreement being that we were misled in order to sign up.
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| 07/21/2015 |
Yes |
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- Communication tactics
- Used obscene/profane/abusive language
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Web |
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I cosigned for a XXXX loan for a friend of mine. She was unable to make payments since she recently moved and did not have a job. We called and set up payment arrangements to stop the debt from going to collection. She satisfactorily made the XXXX payment. XXXX payment was due on XXXX/XXXX/2015. On XXXX XXXX XXXX, rep ID XXXX contacted me directly, instead of calling my friend first and demanded that I pay before XXXX or I would be sent to a collection agency with derragotory marks and the full {$9000.00} would be immediatly due. I did not like the tone of her voice ... she was being very rude and demeaning. She would not let me explain the situation and she only concentrated on the debt, and paying the debt NOW!. At one point XXXX asked me if I was, " enebriated. '' I am completely awstruck at the level of service this company is providing. They treated me as just another debt and personally verbally abused me. We called back later and spoke to XXXX ext XXXX, she is a supervisor, and she adv that there is a 10 day grace period and paying on friday would be ok.
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| 06/11/2016 |
Yes |
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- Disclosure verification of debt
- Right to dispute notice not received
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Web |
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XX/XX/2014, my doctor ordered XXXX from a XXXX company called XXXX XXXX XXXX XXXX aka XXXX ( this company has now filed bankruptcy, see this article : XXXX ). They were supposed to submit the bill to my insurance company, but my insurance company states they never received any billing/payment requests. Nor did they send me any kind of notice that the insurance company had not made payment, and I needed to make payment to XXXX. They then sent my account to this collection agency, Monterey Financial Services, LLC. Last month, Monterey Financial reported my account to the credit bureaus, and it severely damaged my credit. Never at any time did XXXX XXXX XXXX or Monterey Financial Services send me any form of notice of the debt, or make a call to me in an attempt to collect the debt. The damage to my credit has cost me financially.
When I call the attorney 's office that handles XXXX 's billing, the phone rings continually, with no one picking up, and does not go to voicemail. When I call Monterey Financial, they simply tell me I 'll have to talk to XXXX.
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| 01/29/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Charged fees or interest you didn't expect
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Web |
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In mid XX/XX/2017 I went to XXXX XXXX XXXX to look at puppies. The lady at the counter told me I could finance the puppy. I applied at XXXX XXXX XXXX and XXXX XXXX. When I applied for XXXX XXXX XXXX I was told I could take the dog same day. I paid a {$300.00} deposit over three weeks and was told the purchase price of the puppy was {$3000.00}. I have since lost my paperwork when my home flooded due to Hurricane Harvey. I applied online to finance the dog and was approved. I was told my payment would be due in XXXX. It was my understanding that I was getting a loan for the purchase price of the puppy. I would have never agreed to pay {$6500.00} for a dog. The amount of {$6500.00} never presented itself with anything I signed, viewed or agreed to when purchasing this animal. In addition, the dog has had to have XXXX, and has fell ill twice ; once within the first week of getting the puppy. Had I known someone expected me to pay {$6500.00} for this puppy, I would have never left the store with the puppy and/or I would have returned it immediately.
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| 03/19/2020 |
Yes |
- Debt collection
- Medical debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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Previous complaint. Monterey Financial Is violating the Fair Debit Reporting Act and Fair Debit Collection Practices Act. They were reporting the collection account twice on my credit reports and were trying to be sneaky thinking people don't check. They have fixed my XXXX report and I see with the last dispute they had sent it to be fixed on XXXX. But they haven't fixed XXXX. This hurt my credit for a good period of time and that's wrong and a violation. My original balance for my XXXX was {$5300.00} which I did make some payments on. Then the account was closed/charged off. Now you are trying to say you can continue charging me on a closed/charged off account that's nearly 5 years old? and charge me almost {$9000.00} in interest and fees. That's extortion! I will have my attorney reach out because your debit collection practices are against the law and you are trying triple my balance owed. Not to mentioned you have tried to collect that balance twice and damaged my credit. which I have proof of. See how that turns out for your company.
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| 04/03/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Charged fees or interest you didn't expect
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Web |
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I made my purchase around XXXX of last year ( 2021 ) and realized at some point they were reporting that I was missing payments everytime Id make a payment. Basically, they were claiming my payments werent going through, but I could clearly see that they were. In turn, Id have to make another payment on top of that payment or Id end up owing an extra {$100.00} more in just a few days prior to having made the payment. Just a little over a month or 2 ago Im almost positive I had the payoff amount down to somewhere around $ XXXX {$400.00} but It mysteriously shot up a little past {$900.00}. I made a double payment back to back and was down to about {$700.00}, again they claimed I missed a payment, and a few days later its posted that my payoff is nearly {$900.00} again I have proof in that I have emails from the company claiming I missed payments, but bank statements showing that the transactions cleared. Even have photos proving theyve been tacking undeserved fees and interest onto my account due to these so-called failed payments
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| 11/30/2023 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XXXXXXXX XXXX XXXXXXXX is a company that has scammed me and my family and so many others. They promised certain benefits if you sign up with their company ; top hotels at discounted prices, discounted flights, but it was all a lie after I signed up with them. They use Monterey Financial Services as their payment service company and now they have sent me to collections because I refuse to pay for services that were falsely advertised. They charged me {$110.00} for four months ( XXXX - XX/XX/2023 ) then disputed with my bank after trying to work things out with this company only to find that everything they represent is a scam. My bank was able to get me 3 months of charges back. I have disputed with XXXX but for some reason the delinquency is still on my credit. I have exceptional payment history and I pay on time to all of my creditors and it dropped my credit score XXXX points from XXXX to XXXX all for a company that is scamming people. Please help protect me as a consumer. Please look up XXXXXXXX XXXX XXXXXXXX on XXXX.
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| 06/03/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Charged fees or interest you didn't expect
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Web |
Servicemember |
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I went to finance a puppy for my family. I have fairly good credit and I bought this dog to surprise my children and wife. The pet store recommended a financing company they said was great to use. I applied and was approved, and they said my interest rate was low due to my good credit. I signed the paperwork digitally, and this filled my signature in all over a document and that was where the nightmare began. They sent me a copy of the contract and it said I LEASED this dog and I did n't own it unless I pay it off early in a lump sum of XXXX, or I make 24 payments of {$170.00} and then a final payment of {$260.00} to own the animal ( roughly. ) In the pet store I paid {$170.00} which did n't go towards my financing. I was told it was a LOAN and that I would own this animal. After looking up the financing companies this pet store recommended to me, I saw that they are all part of one big company called Monterey Financial. All in all after all the payments are said and done I 'll have paid somewhere around {$4300.00}.
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| 08/28/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Loan sold or transferred to another company
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Web |
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So I bought a scooter from a dealership for XXXX and paid XXXX at time of sale.
that was a down payment and my first payment. this was on the XXXX of XXXX. I received an email that a third party called Monterey Financial has purchased the loan from XXXX XXXX 3 days later. Ok today I called them to get a pay off notice as I wanted to pay the balance within the next two months and I was told that my pay off was XXXX. I almost fell to the ground. I asked if she was joking because that was like over 100 % of what the scooter is even worth. She told me to return the scooter to XXXX XXXX XXXX XXXX in XXXX and my Balance would be XXXX. So basically I would be just giving them XXXX for something I don't have. I tried talking to a supervisor and got no where. I called the dealer from where I bought the scooter and told him that Monterey told me to return the scooter and he told me there are no returns. So now I'm waiting for a call back from the dealership and so far no call. I got severly scammed by everyone listed here.
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| 10/25/2017 |
Yes |
- Debt collection
- I do not know
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- False statements or representation
- Attempted to collect wrong amount
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|
Web |
Servicemember |
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They are stating that I owe XXXX thats not true. Also I was in contact with the original creditor and on payment arrangements when this debt was place on my credit report. I have never done business with Monterey Financial Services. I do not have a signed contract with Monterey Financial Services. I have a right to demand that Monterey Financial Services furnish the signed contract between them and myself. Also this company is not licensed in the state of Tennessee. I would like this unfounded and unvalidated debt removed form my credit report. Per Tennessee Code TFDCPA 62-20-101 ( short title ) and 105 thru 127, Tenn Law emphatically states that " a collection service can not commence or conduct the business of collecting debts in Tenn without being so licensed and bonded as well as maintaining a " location manager '' who in turn is required to be licensed and bonded. in the State of Tennessee. UNLICENSED ACTIVITY IN THE STATE OF TENNESSEE POTENTIALLY SUBJECTS THE DEBT COLLECTOR TO CIVIL AND CRIMINAL PROSECUTION.
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| 08/02/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Problem when making payments
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Web |
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In XXXX XXXX offerred to let me finance my new insulin pump purchase handled by Monterrey Financial. When looking at the Monterrey Financials ' website today, I did a quick check to make sure that the organization was charging me the correct amount. In order to obtain this information, I logged into the company 's website. The website shows my name and account number, and then has an option to look at the payment history.
In the screenshot attached, Monterrey shows that as of XX/XX/19 I owed the company {$980.00}. It also details all of the account transactions since that date. Since then, I have made XXXX dollars in principal payments which is XXXX above the account balance. Today I called to inquire about this issue. When I spoke to their customer service, they told me that I still in fact owed an additional {$110.00}.
As a consumer with a background in monitoring financial transactions, I fail to understand how Monterrey can be allowed to charge me more than the amount explicitly shown on their website.
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| 12/06/2023 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I have absolutely no idea who is this company showed up on my consumer credit report. They started reporting few months ago without my consent. I have no contract with this company Monterey Collections Ser and I believe that they obtain my personal information ilegally. I declare under penalty of perjury that the foregoing is true and correct to the best of my knowledge. Further I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 US C 1001. Additionally, these misstatements are punishable as perjury under 18 U S.C 1621. This collection found within my credit report are not related to any transaction that I made I am alleging that a person or company - without my authorization- used my personal identifying information to apply for goods services or money and was successful in creating some accounts All ls being Investigated by the FTC XXXX
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| 05/07/2019 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
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Web |
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In XX/XX/XXXX I filed chapter XXXX bankruptcy I included Monterey collection services they were sent notice this has been a long court case they are stating that I owe XXXX on XXXX dollars and half has been paid, they have ignored all bankruptcy proceeding and I am currently due back in court with them on XX/XX/XXXX for them to answer for this account making threating phone calls and threating to destroy my credit. They were served this month with legal actions in regards to this and they are able to look up all bankruptcy information.
they have this as an open account that they will not be collecting on due to my bankruptcy. by law, they are not to contact me or attempt to collect a debt that is in bankruptcy. disputed this with the credit bureau also. because they continue to report it as a debt. I would like for them to acknowledge that they received all documents pertaining to this bankruptcy and they did not shoe for the creditors meeting to speak against so it's in the process of being discharged,
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| 04/10/2017 |
Yes |
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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This letter is formal notification that the debt you are reporting is disputed and is not a refusal to pay. Please send me a validation of this debt as soon as possible.
Under the FDCPA you must send valid proof that these monies are owed by me. DO NOT send a simple printout showing my name and a dollar amount. You are expected to forward the following : 1 ) Proof that your company has the right to collect the debt, such as a signed contract between collection agency and the original creditor, stating that this account has been purchased by your company, or a copy of the original invoice from the original creditor that states that this specific debt is the one your company has purchased from the original creditor 2 ) Original creditors full name and address 3 ) Date of last activity/payment, if any 4 ) Copy of the signed contract between the original creditor and me 5 ) The Full billing history of this account not a statement 6 ) Date your company purchased said debt 7 ) Amount you paid for said debt
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| 01/03/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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This was a XXXX vacation package from XXXX that I have never reaped or received benefits from. Our Attorney has confirmed this is a bogus/scam and the documents are in XXXX. The XXXX XXXX, XXXX, turned this over to a XXXX XXXX in California, Monterey Collection Services, and as of XX/XX/2020, this company reported to XXXX and was reflected on my XXXX Credit Report as a derogatory Account owing {$20000.00} and the amount increased to {$22000.00} the following month.
I reported XXXX to the XXXX XXXX XXXX on XX/XX/2020 and the XXXX was unable to locate the company or the company is no longer in business and therefore the XXXX has closed the complaint.
XXXX needs to send a " Cease and Desist '' Letter to the the Collection Agency in California, Monterey Collection Services, and Monterey Collection Services and needs to take this off my XXXX Credit Report.
Per my XXXX Report, as of XX/XX/2020 the Derogatory amount was reported as {$20000.00}.
As of XX/XX/2020 the Derogatory amount was {$22000.00}.
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| 08/29/2019 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
Servicemember |
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I have reported this before on this site and it continues to be closed without them answering my questions. Monterey financial has violated the fdcpa! They have given me the wrong amount twice over the phone and the calls are recorded. I have ask for an agreement to be made on settling this account and they refuse to accommodate at all even though they have lied. They are reporting missed payments and threatened me multiple times that if I dont give them money immediately that they will send me to collections. These threat were given to me after I told them that I read the contract myself and I know that I dont owe them XXXX dollars and I actually owed XXXX. They have responded saying they never told me XXXX even though the last time I spoke to them they said that the people gave me the wrong amount by accident. I dont want them to send me the dates I signed a contract or lies that they never told me that, what I want is for someone to contact me about finally ending all of this once and for all
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| 08/03/2019 |
Yes |
- Debt collection
- I do not know
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- False statements or representation
- Attempted to collect wrong amount
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|
Web |
Servicemember |
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In XX/XX/XXXX I signed a contract for a loan for XXXX. I knew the interest was high but I planned on buying it out after three months. When I called to buy out the loan I was told it was over 2000. That was because the representative gave me the amount I owed if I paid month to month. Ex if I paid XXXX per month for 20 months I would have paid XXXX. I read my contract and called again because it was only supposed to be XXXX. When I called and asked again they said that it was still 2000 and my early buyout in my contract was an estimate. I have refused payment since XX/XX/XXXX and I contacted them after I realized that they broke the fdcpa. They now want me to pay XXXX for late fees and past payments when my account would have already been closed if they followed contract. They have been sued before for violating the fdcpa and get complaints on the daily. This could have been a good experience if they didnt lie to try and con me and tried to come up with a resolution since they cant agree to mine
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| 09/28/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
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XXXX XXXX sent our balance to Monterey Financial Agency LLC for collecting the balance. the balance amount every month keeps going up, when I asked the rep at the agency they told me it's my interest rate that incurs interest daily according to my contract. i asked them to send me the balance they received first from XXXX XXXX and they did, after carefully explaining to them what they were doing wrong, which was extremely hard because they would not even let me talk and cut me off and get very defensive on the call and loud. I talked to their manager and explained they were charging me double interest, the balance already had an interest in it and the manager on the phone said " made sense '' and she said she will do some digging and get back to me regarding the issue but she never did. this collection agency is deceptive and robbing people every day. they are cheating their clients and charging whatever they feel feasible. they shouldn't even be allowed to do business at all in California.
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| 03/01/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
MONTEREY COLLECTION SV Is attempting to collect a debt. for a Timeshare owned by a company or someone of similar name. They have put it on my credit report and are refusing to remove the collection and are also refusing to provide proof that the account is valid.
We have attempted to dispute the collections through the Credit Bureaus but it has not been removed, the credit bureaus have explained to me that they are not required to ask for proof that the accounts are valid, that the creditor themselves has to clear the verification to themselves.
I have also sent a request for validation to Monterey via certified mail and have received nothing in return at all.
MONTEREY COLLECTION SV is utilizing my credit to attempt to intimidate me into paying for an account that is not mine at all and refuses to show the deed for the account because it shows a different owner.
I will attach the only deed in XXXX XXXX FL that I can find that has a name similar to mine for the Timeshare they say I own.
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| 01/17/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
XXXX of XXXX, docs done for You, XXXX XXXX and Monterey financial worked together by completing forms for me to lower my XXXX XXXX payment. the forms would be for two years but we can only mail in one year at a time. at a cost of {$1500.00} paying {$58.00} monthly. I have already completed one year and should have completed the second forms since the summer of XXXX. I continued to make payments until XX/XX/XXXX when I stopped on the suggestion of XXXX XXXX because they are no where to be found. I tried several times reaching out to them by telephone and writing. the only company I was able to reach was Monterey financial because they would normally take the money from my account. I explained to them what is happening and they told me that they can not help me. Yet, they are collecting money I don't have. I am left with a large monthly student loan payment and incomplete job done by this group. I am now being bombarded with telephone calls everyday to pay for this service that was not done.
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| 03/10/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
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Monterey collection is in violation of the " reaging '' laws under FCRA act. They claim my husband and I owe a debt first reported as delinquent on our credit bureau report by them in XX/XX/XXXX. After some research into what the debt was I realized this loan was taken out in XXXX and was sold to another company in the same year. At that time I did not pay XXXX. This delinquent account never appeared on my credit report from the original lender nor did either of us named on the account get any notices that we were deliquent. This collection agency, I suspect, purchased this alleged debt and reported this as " new debt '' as of XX/XX/XXXX. I would like to know when the original lender reports this alleged debt as first going delinquent since that information was not reported on my credit report by ANY other entity until XX/XX/XXXX and only by this company. I want this removed our credit reports immediately under the FCRA law of " reaging '' that Monterey collections has clearly violated.
|
| 01/19/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
Utilized small loan service XXXX to assist purchasing a puppy with an understanding I would have until XX/XX/2020 to satisfy the amount due. XXXX assigned the loan to Monterey Financial Services. Monterey Financial Services applied an appalling amount of interest to the loan. In my constant calls they were unwilling the allow me to satisfy the account so that they could continue to charge insane and illegal amount of interest daily. Once I finally had satisfied the account, they continue to report me as having a monthly payment and balance due. I have called and again they are unwilling to assist by updating their reporting to the bureaus. I am requesting all interest refunded, and credit reporting updated to reflect as paid in full/satisfied. This reporting continues to negatively impact on my ability to receive credit. This company is engaged in continual predatory lending practices, and are acting maliciously against me. They need to be closed down! Where are consumer protections?
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| 06/24/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
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In XXXX of 2016 I purchased a 50 week timeshare for {$13000.00}. I had 25 years to use it. I paid approximately {$3500.00} down and had a loan of about {$250.00} a month. I paid that {$250.00} for about 2 to 2.5 years. I went thru a divorce and couldnt afford it.
I understand I had a loan. What I dont understand is Ive paid {$9000.00} and recieved essentially nothing except a right to use something I havent used.
In addition to that the original creditor had it transferred to collections and the collection company is adding to the total each month. The balance is now {$9000.00} on my credit report.
I believe Ive already paid {$9000.00}. In my view they got {$9000.00} free, giving nothing.
Hypothetically would I even receive the 50 weeks if I do pay it off. I dont believe that the case. I feel this is unfair. Im ok walking away from the {$9000.00} paid. And getting nothing in return. Id like the item removed and blocked from my credit report and these tactics investigated
|
| 12/16/2019 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Back In XXXX I had a XXXX XXXX financed through third party Monterey Financial. The amount was around {$3000.00} and I had my {$1000.00} down rolled into the payment. I had lost my job and couldn't pay and the account was supposedly charged off in XXXX. I had not really checked my credit till this year and the balance has got up to {$13000.00}!! I also noticed the put the account from charge off to collection and the account was placed twice on each one of my three credit bureaus. It was listed as collection under Monterey Financial Services then another collection was placed for the same amount but {$1.00} more than the balance under Monterey Collection Services. I have tried to dispute this amount because there is no way I would owe that and the account was charged off and placed twice to damage my credit. Seemed very vindictive. I have wrote to Monterey and have never received any correspondence back! You cant try to collect on the same debit twice and the balance is wrong.
|
| 11/07/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have recently conducted a thorough examination of my credit report and was deeply alarmed to discover that I have fallen victim to identity theft. It has come to my attention that there are multiple accounts listed on my credit report that I did not initiate or authorize. On XX/XX/XXXX, I promptly dispatched a formal letter to the credit bureaus in which I requested a comprehensive investigation into the accuracy of the information associated with the accounts I have enumerated below. Accounts : Account as it appears on my XXXX file : Monterey Collections SV XX/XX/XXXX for {$3800.00} Incorrect Address : I have also seen on my profile that your reporting incorrect addresses that doesnt belong to me please update my address as it appears on my drivers license. This is my only accurate address. All other addresses should be removed.
Correct Address XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX
|
| 07/08/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I noticed charges for {$58.00} was deducted from my checking account I called Monterey Financials and told them thre was a misake and ask how they got my information. They told me I received the services of document preparation and they were the collegtion agency but could not tell me for what company. I put a stop payment and then XX/XX/2019 they started taking payments out of my account from XXXX, which is not filed with any XXXX. the contract should give you all the information you needs.
XXXX XXXX XXXX XXXX XXXX, has never been registered under the Wyoming XXXX XXXX XXXX XXXX XXXX XXXX, WY XXXX. I was support to get documents prepared through that company. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX. This is a bank specifically for XXXX XXXX XXXX and has nothing to do with Montery Credit, XXXX of XXXX XXXX XXXX XXXX XXXX. I am adding the promissory note and disclosures Payment I agree to make payment t " us ''. the entire document is a joke.
|
| 04/21/2020 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I have disputed this account with MONTEREY FINANCIAL SERVICES. They have been reporting the same account twice for almost 3 years! thats a violation of the FDCPA & FCRA. In previous statements they sent letter saying they would be removed from my credit reports. I even sent in the letters. Well this past week they were deleted and re-added back and dropped my core even further making it look like it was a brand new collection. also they are reporting me delinquent monthly and continued to charge me interest on an account that was a charge off/closed 3 years ago. They are trying to be sneaky and purposely holding my credit XXXX and wont let my credit improve. We are going through a pandemic and financial crisis with this COVID-19. I hope they know they are doing alot of illegal stuff! This is their last chance to remove this from my credit reports before I seek legal action. The reviews on the CFPB and XXXX websites speaks to how awful and how they mistreated consumers.
|
| 05/30/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
Someone used my id in XX/XX/XXXX and XX/XX/XXXX. I pulled my credit report found a {$15000.00} (!! ) ) bill from montery collections in XXXX. I sent a debt validation letter they sent back a letter stating " the defaulted account will continue to be reported accordingly '' it 's in dispute and on my credit!!! Copy letter attached.
The computer printed generic contract does n't have my signature, just a printout. They did not validate the debt, nor answer all my questions asking for copy contract my signature, copy their bond and license number, copy papers showing I agree to pay, nothing. They are not licensed to collect debt in State of XXXX.
They did not send a copy of the agreement showing they are authorized to collect debt on someone 's behalf, nor the name and address of the original creditor as requested.
I am sending a XXXX letter, which is attached hereto., by registered mail. I am writing the attorney general of XXXX and of michigan as well as the FTC.
|
| 06/03/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I purchased an item for {$450.00} approximately from an online store offering 3 months same as cash payments. However when I was unable to pay off the loan in 3 months, a monthly payment of {$49.00} started occuring out of my bank account. Assuming there will most likely be a higher than normal interest rate ( 20-30 % ) I did not make a big deal of it and let the payments continue. The payments have continued from XXXX to present. Since i've made almost {$400.00} in payments, i logged in to their website to check what remains of my balance. I was surprised to see that i still owed {$480.00} and each month 's payment, only $ XXXX {$11.00} was applied to the principal. According to my calculations, this interest they are charging is close to if not 100 %. I never agreed to such a ridiculous rate and consider this predatory. There have been no attempts to contact me other than emails telling me when the payments would be debited. This is predatory lending.
|
| 04/02/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
I disputed this debt a couple of times on the grounds that I did not owe the debt to no eval. I began working with XXXX to resolve some discrepancy on my credit report. With the assistance of my case worker we requested validation of debt from Monterey Collections and disputed the debt. On XX/XX/XXXX received the attached letter stating in pursuance to the debt validation requirements set forth in the FDCPA was enclosed required proof of debt. The only thing enclosed was a original contract with XXXX XXXX XXXX minus the paper work regarding the loss of income insurance my chef had required me sign up for before he would ok the loan at origination. I called Monterey and requested any other information the company had showing that i still owed this debt and if so what i still owed on it. I also requested a full copy of the original contract. On XX/XX/XXXX I received the attached marked XX/XX/XXXX and an exact copy of the contract with the original loaner.
|
| 10/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
XXXX and other credit agencies did not delete a debt reported by Monterey Collections of appx {$2000.00} in XXXX CA from an original creditor identified as " XXXX. '' XXXX is a defunct business headquartered in XXXX XXXX and XXXX which sold interests in a vacation club that did not exist. My husband and I personally paid almost {$50000.00} to XXXX but in 2018 legally transferred our interest which had been sold to XXXX, but which ceased to have any value whatsoever. Every effort of XXXX to bill was disputed as was every attempt at collection by Monterey. Neither entity submitted proof that the debt was valid. I also contested with XXXX, and they only verified that the debt was valid. They did so only by reviewing information from Monterey as XXXX no longer exists. The owner of XXXX is apparently in Jail for FRAUD and it is my belief that Monterey is knowingly attempting to collect on a fraudulent debt from a fraudulent company that no longer exists.
|
| 02/25/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
We joined & RV Park in XX/XX/XXXX& cancelled the membership back in XX/XX/XXXX. The contract reads if you do not pay dues your membership is cancelled. This was a very unsafe park for seniors. We spent a few days there back in XX/XX/XXXX & the manger got into fist fights in front of our RV as well as all kinds of cars into this park all hours of the day & nite. Not a safe place for seniors. There has been no dues paid to this park since XX/XX/XXXX. No contact what so ever with them. A few weeks a go they found this shady collection agency & they took the account & are now have put this our credit reports for {$330.00}. The statue of limitations ran out on this 4 years ago. This alleged debt is was opened in XX/XX/XXXX. The statue of limitation in Texas is 4 years. This collection agency is totally illegal. Its been at least 8 years since there was any contact made with this RV park. The collection agency is XXXX XXXX XXXX. XXXX XXXX XXXX, Ca. XXXX
|
| 11/07/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Account as it appears on my XXXX file : Monterey Collections SV XX/XX/23 for {$3700.00} Incorrect Address : I have also seen on my profile that your reporting incorrect addresses that doesnt belong to me please update my address as it appears on my drivers license. This is my only accurate address. All other addresses should be removed.
Correct Address XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
|
| 05/20/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
|
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.
|
| 08/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I sent letters to the credit agencies asking them to verify the debt on my report in XX/XX/XXXX. They sent it back stating that everything is verified correctly. However my credit report is still showing and reporting inaccuracies. 15 USC 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 USC 1681 ( B ) ( 2 ) - Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 15 USC 6801 - It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.
|
| 06/26/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
Older American, Servicemember |
|
On XX/XX/XXXX I purchased a XXXX XXXX from XXXX XXXX and financed it through their creditor XXXXMonterey Financial Services . The terms were No interest if paid off within 90 days. Autopay was the only payment option given. On XX/XX/XXXX I made a payment of {$410.00} dollars to be applied to the principal. Because it was an Automatic Payment, I made account for it In following months, but never realized that they were using that {$410.00} towards the monthly payments instead of toward the principal. In XXXX of XXXX, I was expecting to pay off the loan, thinking that it would be around {$1300.00}. When I checked, it was nearly {$1600.00}, with none of that {$410.00} applied to principal. Because I couldnt end autopay, I had to close that checking account. I lost my job in XXXX and had to take a job at more than XXXX XXXX less than I made before and have been struggling to meet all my financial obligations, now. The payment was XXXX XXXX.
|
| 10/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Older American |
|
XXXX and other credit agencies did not delete a debt reported by Monterey Collections of appx {$2000.00} in XXXX XXXX from an original creditor identified as " XXXX. '' XXXX is a defunct business headquartered in XXXX XXXX and XXXX which sold interests in a vacation club that did not exist. I personally paid almost {$50000.00} to XXXX but in XXXX legally transferred my interest which had been sold to XXXX, but which ceased to have any value whatsoever.
Every effort of XXXX to XXXX was disputed as was every attempt at collection by Monterey. Neither entity submitted proof that the debt was valid. I also contested with XXXX, and they only verified that the debt was valid. They did so only by reviewing information from Monterey as XXXX no longer exists. The owner of XXXX is apparently in XXXX for XXXX and it is my belief that Monterey is knowingly attempting to collect on a fraudulent debt from a fraudulent company that no longer exists.
|
| 12/11/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
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.
|
| 10/06/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Older American |
|
I sent the first debt validation letter requesting for Validation not Verification to this collection agency on XX/XX/2019, they responded on XX/XX/2019 by stating that they don't have to have a license to collect debt in North Carolina and also Monterey collections said that I had 30 days from the date I was notified by them but I never received any letters from this company. Then I sent them a second debt validation letter on XX/XX/2019. In this letter I stated : I have previously sent you a request to validate my debt under the Fair Debt Collection Practices Act and all I received was an itemized list of the alleged charges you claim I owe you. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation. They responded on XX/XX/2019, by stating the same thing they stated in the first letter, but this time they said they want respond to any more letters that I send to them in the future.
|
| 03/10/2018 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
We were sold a timeshare by XXXX XXXX XXXX in XXXX in XX/XX/XXXX. We paid a 10 % deposit and made 6 months ' worth of payments. We tried to make reservations but there was never any availability. We tried to contact the sales department via email and phone, but they never responded. Because of their lack of response and no availability we discontinued our payments. Our account was canceled and closed by XXXX XXXX on XX/XX/XXXX. Two months later XXXX XXXX XXXX began calling us and trying to collect {$14000.00} on behalf of XXXX XXXX. The caller was very aggressive and threatening in her language. We had never stayed at the property since our initial visit in XX/XX/XXXX. We were not able to reserve any dates at the property. This timeshare company is a scam. We should not have to pay for something we never used and could not use. XXXX XXXX XXXX should not be calling us to collect for a canceled and closed account that was never used.
|
| 07/29/2018 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
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.
|
| 01/20/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Monterey was taking money out of my bank account frauduently, I disputed with my bank and they paid me every dime taken from this company. I contacted them to let them know way before I disputed with the bank. They have been taking money out ever since august so I reached them to let them know, they said I had to call a company called XXXX, which I did, to let them know I don't have any products from them.
Monterey rep called me on my business line and my personal phone asking me for payment, then they started emailing me about a debt twice and that I have 48 hours to respond ..... I sent them a cease and desist to stop. They then reported a late payment to my personal credit dropping my scores.
This is a violation to report a fraudulent account on my consumer report 15usc1681b no permission to place on my consumer report. I submitted a FTC report as well to the 3 agencies.
Where is the wet ink signature to validate this debt?
|
| 02/12/2017 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I was contacted by XXXX several dozen times and I repeatedly told them that that they had the wrong person and I did not provide any thing from them. They said a laptop was purchased by mme and that is not true. I have never bought a laptop nor was a laptop delivered to me. I believe that someone may have stolen my personal information to make this purchase. I explained this to the representatives on the phone and they threatened me and called from XXXX-XXXX somedays. I begged them to stop calling me and they continued to call and said they were going to file a lien on my home and my vehicle. I had to change my phone to to stop the harassment calls. They would not work with me and called me a liar when I said I did not make a purchase from their company. I eve. Made payments for something I did not buy so they would stop calling and not place liens on my possessions. They are cruel people and I believe they were scamming me.
|
| 08/08/2019 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Dates of Calls : XX/XX/19 XX/XX/19 XX/XX/19 XX/XX/19 XX/XX/19 XX/XX/19 XX/XX/19 XX/XX/19 two calls XX/XX/19 XX/XX/19 XX/XX/19 XX/XX/19 XX/XX/19 XX/XX/19 XX/XX/19 XX/XX/19 two calls XX/XX/19 XX/XX/19 Transcripts : This is a phone call from Monterey Please return our call today XXXX, repeats.
This message is for " My name '' is XXXX from Monterey this matter has been turned over for your lack of response to our calls and notices It is imperative that you call us to resolve this matter phone number is XXXX xt is XXXX.
Description of medical product : This is for a necessary medical device that inserts a XXXX of sorts into my body that disperses XXXX. Both XXXX the supplier of this product and Monterey have called me about this matter, and sometimes Monterey calls in the morning and XXXX in the evening or vice versa.
XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX Monterey Financial Services XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX
|
| 03/06/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Monterey financial is claiming I owe a debt to XXXX XXXX. I never received original communication from this company and was not notified I had thirty days to dispute as they are claiming I did. I received a response back from them after I requested debt validation and was told I had thirty days to dispute but again I never received the original notice. I sent a certified letter on XX/XX/2020 and at this time I received some documents. I requested verification a few months ago also. My main complaint is not receiving the original documentation within thirty days to dispute the debt. The company and this collection agency have the same address and work hand and hand so this is bogus and I want it removed from my credit! The original amount of debt they claim was owed is XXXX but the amount now owed is XXXX. The document that was sent does not have my signature.
Monterey collections XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
|
| 05/02/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
Servicemember |
|
I called the company on XX/XX/2018 to work out payment arrangements. After finding out the original creditor went out of business and merged with Monterrey Collection SVC I call to work out a payment plan. After going through the verification process they told me my agent was a woman named XXXX. After speaking with XXXX I informed her that I could make a payment of {$50.00} and start to make monthly payments to satisfy the debt. She informed me that they could not make payment arrangements or partial payments and the debt needed to be satisfied in full or she would turn me over to her legal team and that it could have negative impact to my credit. She then stated that they would need to do an asset verification on me to see where they could transfer the debt to another one of my accounts that has nothing to do with this debt. At this time I got off the phone with the lady, due to the statements she was making.
|
| 06/05/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Problem canceling credit monitoring or identify theft protection service
|
|
Web |
|
|
my credit report says XX/XX/XXXX XXXX was opened I don't know when it was another date says the status updated was XXXX XX/XX/2019 I believe it was my ex-partner who opened this account without my knowledge I've tried contacting this place but is XXXX names on the collections I've asked them to remove it since i since it was join with XXXX XXXX i know it was him that did it without me present i don't know when i have a collections agency on the report with name of MONTEREY COLLECTION SV and is for original creditor XXXX XXXX XXXX XXXX so i don't even know where to call I've been trying to dispute it for almost a XXXX and i can't i need this off my credit i have paid everything so i can improve my credit my debts this is not mine and is affecting me a lot i have no information on him and i don't know what to do i need help on escalating this to fraud i cant solve this issue this was not made on my part
|
| 12/19/2017 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I made a purchase with XXXX for a XXXX XXXX XXXX. I was paying XXXX directly but they then later sent my account to a finance company to take over payments. I have set up several payment arrangements about this matter and they continue to call me saying that i am past due. I have asked for a copy of my payment history and they are refusing to send me that information. I advised them that I am not authorizing any further payments until I can review the documents. they say that I have 24 hrs I said that it was not enough time and they said 24 hrs or they are going to charge me 35 % more and send me to collections. I did get upset with them on the phone as I am not neglecting anything I am just trying to make sure I am not over paying them. one rep tells me " you do not have the money that 's why you are not paying '' these people are unprofessional and plan to file a number of complaints with DOJ.
|
| 02/18/2017 |
Yes |
|
- Incorrect information on credit report
- Account status
|
|
Web |
|
|
Monterey financial services was the loan company that the loan for my wife 's ring was financed through when i purchased my wife 's ring on XXXX/XXXX/2011, they are refusing to take responsibility and i am in touch with an attorney to take proper legal steps to sue Monterey Financial services if they do n't want to fix the problem they have created. my wife 's ring cost {$5000.00} with interest and loan charges i paid Monterey Financial Services about {$7200.00} in total and i have bank statements to take to court if that is the route they want to take. i am again asking Monterey Financial Services through this complaint to fix and report this financing on my credit as i will not stop until it is fixed. i will also call all media outlets in the city XXXX the offices of business oversight, offices of licensing and incorporating and the XXXX XXXX district attorney 's office, this financial fraud.
|
| 11/26/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I was sent to collections by my XXXX XXXX I negotiated the amount to settle the debt with the collections company and I paid the total amount owing in full ( got extra points added back to my account, negotiated no maintenance fees for the year and no other amounts as it would be considered paid in full ).
Account was debited for the agreed amount XX/XX/2021.
Now the account was reactivated with a new account number and I am getting daily and sometimes twice daily calls to collect an over due amount I didn't agree too for reactivating the account totaling a new collection amount of {$3900.00}.
This was never disclosed, never agreed upon by any party between the company, nor their third party agent the collection company while negotiating the terms of the collection account. I did tell them to stop calling and they continue to call daily.
The XXXX XXXX doing business as XXXX - XXXX XXXX
|
| 10/27/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
On XX/XX/2021 and XX/XX/2021, I requested payoff amount totals for the debt owed on the account. On my credit report, they have not updated my reported balance since XX/XX/2021 and it states that my account is 90 days past due with a remaining balance of {$1300.00}. However, in their payoff amount emails on the above dates, I was only 30 days past due with a remaining balance of {$1000.00}. They have threatened in the emails that my credit will be impacted and it has because they have not updated my reported balance in almost 2 months. Based on their email as of XX/XX/2021, my remaining balance was {$510.00} because I have tried to resolve this on my own with continuing to pay in hopes of the company updating the correct amount to my credit report, however they have chosen not to do so. They are intentionally not reporting my updated balances and my credit health is severely impacted.
|
| 08/24/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Older American, Servicemember |
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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
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| 02/02/2021 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
Servicemember |
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on XX/XX/XXXX, i signed a lease from XXXXMONTEREY Financial Group. i was financed for the purchase of {$1800.00}. My first payment, at the store on date of purchase was {$440.00} with 27 payments of {$150.00}. the first payment was set for XX/XX/XXXX. the account they tried to pull from was insufficient. unknown to us that it was auto draft, we tried to pay the {$150.00} with a different account on XX/XX/XXXX. they did not take the money until later in the month ( 3 weeks later ) and then claimed a {$20.00} late fee for the next billing cycle. i agreed. on XX/XX/XXXX, they pulled {$270.00} from my account and of that, {$52.00} came from my savings account. i called and they claim i agreed to that and would go over the last call to verify. my contract says to pay {$4300.00} at the end of lease, but the numbers do not match my account on their website by several hundreds of dollars.
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| 05/21/2018 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Some one stole my identity and solicit a loan to Monterey financial Services, LLC. This person is utilizing a florida address ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX phone : XXXX ). The loan was approved and I am being charge for it. The loan amount is {$3700.00} with a monthly payment of {$140.00}. In XX/XX/XXXX I contacted Monterey Financial and informed that the loan was made by a identity thief person and sent the police report number so they would removed the charge. I explained that as soon as the report is provided to me by the police department I would be sending it to them. At this moment they are still charging me the monthly amount ( {$140.00} ), no pause has been made and my credit has been affected. The identity theft was reported to XXXX, XXXX and XXXX and a fraud alarm/warning has been added to avoid inquiries or any other action. This was made XX/XX/XXXX.
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| 04/18/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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The debt that was written off was mine, I had to choose on of the above to continue. I had an account with Monterey Financial that was charged off/written off as of XXXX . After it was written off I now have Monterey collections trying to collect after the account has been written off. Monterey Collections contacted me last week to collect payment I was trying to ask questions but the rep became belligerent I asked if it was possible to collect on an account that had been written off. She went off to tell me that I did n't know what I was talking about, and threatren to pursue further legal actions if I did n't make this payment. I asked about a settlement she told me that she did not have to offer me a settlement the decision was totally up to her. The amount they are trying to collect is {$1300.00} she told me the best She could do as far as a settlement was {$1100.00}.
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| 10/17/2018 |
Yes |
- Student loan
- Private student loan
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- Getting a loan
- Confusing or misleading advertising
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Web |
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XXXX XXXX is out Utah. The representative never told me this would be a loan and monetary financial services never provide updates on balance. The school hardly ever return calls or keep up with you all alon. I just found out I have 8 percent student loan that was never explained to me I was told I cant the cancel the contact of the the loan even tho I want to with draw from the program. This is predatory lending against students who want to better their careers see XXXX reviews and Montray has horrible review. I just want to get away from this school, stop paying on the I never agreed to Verbally ; not get my credit ding by Montray Fiancial. Please help and save students time energy and money. XXXX XXXX lacks integrity and will ask to a positive post online about the school it is called bait and switch only if you need a extension in the course.
Please help please help.
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| 10/27/2023 |
Yes |
- Debt collection
- I do not know
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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XX/XX/2023 I was made aware out the blue with no previous effort to contact me that I had a bill in collections for the amount of XXXX $ due to XXXX XXXX XXXX. This was a debt sold by XXXX XXXX XXXX located in XXXXXXXX XXXX which I had a payment plan set up with and made a couple payments this year. No one contacted me and made me aware of what was going on or gave me the opportunity to resolve it. I received a call from someone telling me they were in collections and I needed to give them my card information and pay immediately XXXX XXXX dollars or it will be put on my credit.. I never used my credit to get this land. It was a gift that came with XXXX fees that I inherited by default. This company XXXX XXXX has been sold, bankrupt, and In court for years. So to sale a debt I had a payment plan on without making me aware seems very unethical and I dont understand it at all
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| 03/13/2020 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
Older American |
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I mistakenly purchased a XXXX timeshare with the contractual assurance signed by the sales person that I would get the full amount of my down payment. I found out in addition to the fact that the trade for other properties did not work as described, that the monies promised would not be forth coming.
I was informed of this fact by both the internet postings and by the lawyer in XXXX that I emailed concerning this matter.
Now I am being threatened to have my credit ruined by Monterey Financial in XXXX CA because the balance of {$9000.00} that is still owed on the timeshare has been reffered to them.
I can share all of the details including documents with you if you like. I have sent these to the rep ( XXXX XXXX ) who is in contact with me.
Any help you can offer to me or any communication you can make to them that this was a scam would be appreciated.
Thanks, XXXX XXXX
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| 05/23/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Charged fees or interest you didn't expect
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Web |
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Good Afternoon, My name is XXXX XXXX and I am writing this complaint for Monterey Financial, DBA XXXX. My initial purchase balance starting XX/XX/XXXX was XXXX. I have made a total of 28 payments for a total of XXXX dollars. After reviewing my account history and totals, the only funds out of that XXXX dollars that went to principal was XXXX. After speaking with one of Monterey 's representatives XX/XX/XXXX she stating initial interest was 113 %. This is also joined with XXXX (? ) A day for the amount of time the account is late. I am writing out of concern for their predatory practices. There is no reason for anything to be over 100 % interest, nor is there any reason why EVERY payment I made over the last 2 years has gone to nothing but interest ( minus XXXX went towards the initial principal. ) Please investigate this company and their predatory lending practices.
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| 06/16/2015 |
Yes |
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- Charged fees or interest I didn't expect
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Web |
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I took out a loan for {$490.00} for furniture. The advertising at the store said " 90 days same as cash financing. '' Wrong!! They said it would be {$550.00} over 90 days and they would charge me an extra {$15.00} to make that XXXX even payments. When I asked how much it would be to pay in full that day ( 5 days later ) I was told it would be {$540.00}. Then I was told it would be {$530.00}. Then after spending 45 minutes on the phone when them and exchanging many e-mails asking where these fees were coming from they had a " supervisor look into it '' and I 'm now paying the original amount plus a {$25.00} service fee. They have been deceptive from the start and just try to get as much money as possible out of people. Now that I 'm trying to pay it online ( for an extra {$10.00} charge ) there are more issue and if I call to pay it there 's another {$15.00} fee.
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| 07/28/2020 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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Monterey Financial Services are attempting to collect a debt, but they have committed a couple of violations. The first issue is they sent me a letter after I made my initial dispute stating they notified the credit bureaus to remove the collection from my report. It was removed XX/XX/2019 from XXXX and XXXX. When I sent proof to XXXX they informed me that Monterey requested the item to stay on my report. I contacted Monterey and an account manager told me the letter they sent me was a generic letter and they no longer send those letters out. After doing some research I also realized my account number isnt the account number I have with them and what is being reported on my XXXX report are different. I have also found that the company is not legally registered to collect debt in the state I reside ( Indiana ) this information was found in an online database.
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| 08/11/2017 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
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Web |
Servicemember |
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Monterey Collection Service is reporting a collection account to all credit bureaus as a collection account that 's in the status as open, it 's also reporting a high balance and a balance owing and the balance goes up each month ... How is this possible when the account is supposedly a closed collection account. Instead of updating the account with " included in bankrupty, closed, { {$0.00} } balance '', they sent the account to collections. The collections comp any Monterey Collection Services has put a collections account on my credit report further ruining it when they should not have received the account in the first place. I contacted Monterey asking them to re move the account and they said they will not. The account was included in bankruptcy but I am continuing to receive letters demanding payment. I want this account removed from my credit report.
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| 12/11/2016 |
Yes |
- Debt collection
- I do not know
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- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
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Web |
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This company, Monterey Collections, they are a dirty company. I submitted a complaint against them around XX/XX/2016. They removed the collection which was reporting a balance of {$1000.00} and reported it as a new collection for {$1000.00} ... oh and they still have not responded to my first document I sent them. I hope the FTC nails their CEO and fines these pety low lifes back where they belong. Sad imagine who else they 're doing this to. I have never bough anything from this company ( for like literally the 11th time ).
Monterey Collections has severely violated the FDCPA, FCRA, and the FACTA on more than 1 occasion.
I have all the docs I just have n't uploaded them in. I do feel good though sharing with the world how this company truly is.I 'm filing other complaints directly against their CEO and staff this afternoon.
Thank you for assisting me
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| 06/14/2017 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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A collection notice was received fr om Monterey Collections, dated XXXX for the amount of {$500.00}. Notice indicated payment was to be received by XXXX , the day the notice was received in the mail. Called spoke to a lady named XXXX I tri ed to explain that I had never made that purchase. She indicated she hears this thousands of times and that because it was my name and address it was my debt. That she had proof in front of her that indicated it was my debt. ( invoice ) Once again I tried to explain and XXXX did not accept any explanations. Instead she threaten to report me to a legal institution and that my credit will be affected/ ruined for 10 years so that when I go ask for credit I will be denied. I understand that the same excuses are heard everyday but I do believe each individual deserves to be treated individually. At least listen.
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| 06/11/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
Servicemember |
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In XXXX of XXXX I filed for a chapter XXXX bankruptcy which included XXXX XXXX XXXX as a creditor. XXXX XXXX XXXX continued to email me asking for payment and harassing me even with an automatic stay in place and after my attorney sent them the paperwork. Instead of updating the account with " included in bankrupty, closed, {$0.00} balance '', they sent the account to collections. The collections comp any Monterey Collection Services has put a collections account on my credit report further ruining it when they should not have received the account in the first place. I contacted Monterey asking them to re move the account and they said they will not. My attorneys have contacted them showing the account was included in bankruptcy but I am continuing to receive letters demanding payment. I want this account removed from my credit report.
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| 05/09/2023 |
Yes |
- Debt collection
- I do not know
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
Older American |
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Im a senior citizen and was sent a text from XXXX XXXX at XXXX XXXX XXXX XXXX in XXXX XXXX XXXXXXXX. I was told for {$49.00} I can do a photo shoot and I could model. On XX/XX/2022 I went in for photo shoot. Then they take me in the office and said they like my photos and want to use them I have to pay {$5000.00}. I told them I couldnt afford so they went down to {$2000.00}. I gave a {$450.00} down payment and felt pressure in signing not realizing what I was signing. They wouldnt let me cancel the next day and they said I owe {$1500.00} additional. I didnt get the photos nor do I want them. They now sent bill to a collection agency and it has gone on my credit report. Its Monterey Collection service XXXX, Calif. I feel this company is taking advantage of senior citizens and I dont know what to do. I am XXXX XXXX XXXX. Can you please advise. Thank you.
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| 08/12/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Improper contact or sharing of info
- Talked to a third party about my debt
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Web |
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Outcome : I have a debt in my business name. All of the collection letters have been sent to my business. The collection company reported the debt to the XXXX reporting bureaus while I was refinancing my mortgage. My credit score dropped from XXXX to XXXX, costing me an additional {$10000.00} to close the loan.
Details : I disputed the information with the XXXX credit bureaus. After a reported investigation, the credit bureaus notified me that information reported was validated by the collection agency. I closed on my loan and received a written letter from the collection agency that " they made a mistake '' and the debt did not personally belong to me. However, as indicated under the outcome, the erroneous reporting of the business debt to my personal credit report resulted in {$10000.00} plus in additional out of pocket expenses to close my loan.
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| 08/11/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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I opened an account with " XXXX XXXX XXXX '' and paid them directly for their services. The company uses Monterey Financial to service their accounts. Monterey Financial has been contacting me repeatedly about the debt and I informed the representative and provided proof that I had paid " XXXX XXXX XXXX ''. Because Monterey Financial has been unable to get in contact with " XXXX XXXX XXXX '' ( per their representatives ) they reported the account as late to all three credit reporting agencies, even though I paid the debt already. I also paid an additional {$88.00} dollars while to company attempted to sort out the discrepancy to avoid the account being reported as late but they reported the account anyway. Both Monterey Financial and XXXX XXXX XXXX have been extremely unprofessional, unorganized and have unfairly and unnecessarily damaged my credit.
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| 06/14/2016 |
Yes |
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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Multiple issues with Monterrey Collections : 1. An alleged debt was not billed to me by original creditor ( a medical lab ). 2 ) Original creditor ( XXXX, XXXX lab 's CEO ) represented only if an insurance payment was sent directly to a patient would collection attempts be made. 3 ) Alleged debt awareness was first made by collection agency -- no communication by original creditor -- XXXX years later than alleged debt. 4 ) Collection agency refused to disclose verification or documentation of alleged debt. 5 ) Alleged debt was reported to credit agencies ( XXXX ) before I was able to respond within 30 day notification deadline of receipt of collection letter. 6 ) Proof of insurance payment to XXXX XXXX regarding the alleged debt was sent to Monterrey Collections. 7 ) Monterrey Collections refuses to remove the debt or the negative credit reports.
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| 12/11/2018 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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Company name : Monterey collection sv XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX Acct XXXX I have ask for the following and if not recieved I requested deletion and I have yet to get the following items 1 agreement with the creditor that authorizes you to collect on this alleged dept 2the agreement bear my signature stating that I have agreed to assume the dept 3 valid copies of the dept agreement stating the amount of the dept and interest charges 4 proof that the statute of limitations has not expired 5 complete payment history on this account along with an accounting of all additional charges being assessed 6 show me that you are licensed to collect in my state ; Texas 7 your lincense numbers and registered agent I have yet to receive any of this information, and its really becoming a problem, please assist me with this issue
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| 06/25/2018 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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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.
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| 11/14/2022 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I started receiving calls about a payment owed to Monterey financialXXXX and spoke to a rep XX/XX/2022. I was told this would go under investigation as fraud! Promised a call back from management but they never called me back directly. Ive never ordered anything from this company! I asked them for shipping/tracking info on what was supposedly ordered and it couldnt be given to me as they didnt have anything. How am I paying for something Ive never ordered?? I dont have any XXXX to my name! My bank was notified XX/XX/XXXX as well and confirmed no attempted payments have been taken. Monterey says my banks info was on file which their workers removed my bank info and took me off the list for the automated calls due to this fraudulent situation. Their supervisors never called me back and now this huge bills pops up on my credit!
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| 12/11/2023 |
Yes |
- Debt collection
- Credit card debt
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- Communication tactics
- Frequent or repeated calls
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Web |
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Along with the repeated phone calls, I was strong held and intimidated into providing my personal information. The person I was on the phone with also tried to get my card number, although I repeatedly told her I will not do so and that I would need to look online for the debt. I felt extremely uncomfortable by her language as it was very aggressive and threatening. This phone call happened XX/XX/XXXX at XXXXXXXX
Ive tried to contact this company to clarify this previously through email because I prefer to have paper trail of this of this nature. However, they just refused to email me for a year. After I forwarded them the email a year and some months later, they wanted me to call them. I then responded through email, for that is what I prefer. However they did not respond, and instead kept harassing me with phone calls.
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| 04/13/2018 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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I was coerced into signing a contract for a " timeshare '' under false pretenses. It is not a real timeshare and I am paying money every month for something that does not give me anything free. When I want to use the timeshare I am still charged hundreds of dollars. I have stated that this is too expensive and it has put me in a financial strain and it's not even beneficial to me in the least bit. However they stated there's nothing they can do. They even reported me to the credit bureau and I'm trying to clean up my credit. When I tried to talk to them ( on multiple occasions ) about relieving me of the debt they were very rude and stated it's not their problem and I have to pay! This has been a headache for me from day one and I want out!!! I should not be forced to pay for something I can barely afford and can not use.
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| 05/04/2016 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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I have received a collection notice from Monterey Collections. Their client is XXXX, XXXX. This company went into bankruptcy because they were paying doctors for XXXX and performing unnecessary tests, and were sued. 2 years ago my dr sent me to XXXX for my basic labs ( usual cost around {$200.00} ). XXXX performed numerous other tests and charged my insurance co, XXXX XXXX {$3400.00}. The dr said I would not be charged for these tests which I never consented to. I was not billed by XXXX. XXXX told me it would only bill insurance company, that I was not responsible for amount insurance did not pay. Now that the company has gone into bankrupcy, the liquidation company is apparently putting people in collection for med tests that XXXX never billed us for, told us we were not liable for. I only needed a XXXX, XXXX, XXXX etc.
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| 01/20/2022 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I recently discovered that an account from Monterey Financial Services LLC has been opened in my name without my knowledge or permission. The total amount of debt according to my consumer credit report is {$2200.00}. My information was breached in the XXXX breach as well as others. I have been a victim of Identity Theft since 2017. Any information sent to the credit bureaus, Monterery Financial or any other third party company related to this debt was made without my knowledge or permission. I have filed a FTC report regarding this Identity Theft and have contacted the creditor directly. Information was and security was breached on my personal and business bank accounts, address, phone numbers and other personal information. This is my official statement for Monterey Financial to Cease and Desist any action against me.
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| 01/20/2022 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I recently discovered that an account from Monterey Financial Services LLC has been opened in my name without my knowledge or permission. The total amount of debt according to my consumer credit report is {$2200.00}. My information was breached in the XXXX breach as well as others. I have been a victim of Identity Theft since 2017. Any information sent to the credit bureaus, Monterery Financial or any other third party company related to this debt was made without my knowledge or permission. I have filed a FTC report regarding this Identity Theft and have contacted the creditor directly. Information was and security was breached on my personal and business bank accounts, address, phone numbers and other personal information. This is my official statement for Monterey Financial to Cease and Desist any action against me.
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| 11/07/2019 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I discovered an account on my credit from Monterey Collections. I thought is was odd because I have lived at my current residence for 7 years and have had the same phone number for the same amount of time- I was never notified about the debt.
That said, I reached to them a few times in writing and finally received a response back from XXXX XXXX ( a representative of the company ). She advised me that I needed to dispute the validity of the debt within 30 days ... .. and since I had not done that- they did not need to validate the debt- they would move forward with their collection efforts. However, they would report the account as disputed on my credit report.
I don't understand how I was offered the opportunity pursuant to the FCRA to dispute the debt if it were mine if I never received a collection notice?
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| 01/15/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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I recently reviewed my credit report on XXXX/XXXX/XXXX and saw a new entry for a collection account that was placed on my file in XXXX XXXX. It refers to XXXX and is in the amount of approximately {$3600.00}. We went to a seminar in XXXX held by XXXX in XXXX Tn. and were offered a package THAT COULD BE CANCELLED within 30 days. I contacted them within the 30 day window and cancelled my obligation. I spoke to them verbally and also sent a written request to cancel. The agent for them said she noted our file and acknowledged it was cancelled. Again, the service offered by them was never used in any manner and was cancelled properly. This was 8 years ago. Now, for some reason it has been re-surfaced and turned over to a collection service. I want this removed immediately from my credit report. The debt IS NOT VALID.
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| 06/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I have sent in disputes and also a debt validation letter. Included will be the mail tracking number and documents that were received from them in correspondence to the debt validation. The information they sent does not suffice a validation of a consumer or credit debt that I owe. The company Monterey Financial Services LLC, account # : XXXX is reporting on multiple credit bureaus inaccurate information.
Certified mail receipt tracking # XXXX Date : XX/XX/2022 No documents that were included were the required documentation to validate a debt.
Included will be all documentation received from Monterey Financial Services LLC. I would like to also be compensated for the multiple violations committed by company Monterey Financial Services LLC and or XXXX.
{$1000.00} per violation under 15 USC 1681 ( a ) ( 1 ).
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| 02/26/2021 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I Recently had a collection account show up on my credit report from Monterey collection agency. The debt shows as opened on XXXX XX/XX/2020 orginating from a company called XXXX that looks to be some type of resort. I can assure you I was nowhere near a resort at all in about three years and certainly not in 2020 at all. With COVID taking over everyone 's lives it would be difficult to even go to a resort. I have never had a collection agency contact me and I am not even sure what they are claiming I owe for. I have taken the steps to dispute the claim through the credit bureau it was reported to. My credit is impeccable with not even one missed payment on my report. I feel this collection agency is in violation of the FCR ACT and I want this innacurate and damaging information removed from my credit report.
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| 09/14/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Improper contact or sharing of info
- Contacted me after I asked not to
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Web |
Older American |
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I received a demand for payment from a collection agency named Monterey Collections and sent them a notice that I did not want to work with them by sending them a certified letter notifing them that under provisions of Public Laws 95-109 and 99-361, also known as the Fair Debt Collection Practices Act, that their services were no longer desired.
I informed them in my certified letter to them that failure to comply with this law will result in my immediately filing a complaint with the Federal Trade Commission and the California Attorney General 's office. I also told them that I will pursue all criminal and civil claims against them and their company for refusal to adhere to this request.
I am filing this complaint to follow through with my stated action I would take against them for violating this law.
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| 07/16/2017 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I paid this account off almost 3 years ago and it has not been removed off my credit report. I tried calling the customer service department this week XXXX - XXXX ( I can not recall which day ) to see if they could help me out by removing this off my credit report since it has already been paid off but they rudely said they could n't help me and that they would not remove it off my report. The customer service was very rude to me when I tried to talk to them and ask them if they could help me out by taking it off for me. I asked to speak to the manager but they also treated me very rudely and also said he could not help me out. I would like for this charge off to be removed because it would help increase my credit score and it would allow me to qualify for a home that I am trying to obtain for my family.
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| 10/03/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Charged fees or interest you didn't expect
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Web |
Servicemember |
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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!
|
| 06/11/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
I just recently paid a loan off that I originally opened with XXXX XXXX XXXX back in XX/XX/XXXX. The account was sold to Monterey Financial shortly after I opened the account. Monterey recently reported my account as late 30days, stating I hadn't made a payment inXX/XX/XXXX. I have talked with monterey several times this year and they have never said that my account was missing a payment until today XX/XX/XXXX, when I asked why did I receive a late pay on my credit report at the end of my loan payment which I made on XX/XX/XXXX, for {$190.00}. I was told by the rep that I missed a payment in XX/XX/XXXX, and that the missed payment is the payment I made on XX/XX/XXXX, and that is why we reported you late 30days from XX/XX/XXXX. I received this correspondence via email on XX/XX/XXXX, after 2years.
|
| 08/17/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
Purchased a firearm through XXXX XXXX XXXX. Used XXXX XXXX. Paid 1st payment via ACH on XX/XX/21 & called to pay account in full ( 90 days option ) on XX/XX/21. This company is in violation of our contract and it is now void. I've instructed XXXX to recover my funds. I will keep the property as settlement.
XXXX will : Provide a " paid as agreed '' letter to XXXX XXXX ASAP.
Will acknowledge their mistake in writing Will stop further collection actions Remove my name from their systems Will never report anything to any credit bureau.
Will acknowledge that I have been awarded the leased property as compensation for this epic attempt at theft.
Anything less and I guess we have to deal in court and I have my records.
Consumers must have a method to punish businesses that steal lie and cheat.
|
| 02/20/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
I purchased a dog through XXXX pet store XX/XX/2015. They financed it through Monterey Finance, I was never given the disclosures for the finance charge. The purchase price of the dog was XXXX I have paid a total of XXXX on the dog. The purchase should be paid in full however I have never received a monthly statement showing my balance and finance charges. I finally was able to speak with someone after numerous attempts they stated I still owe a balance of XXXX. It 's more than frustrating that I have paid my payments monthly on time and without and communication from this phantom company. When you try to call them they put you on hold long amounts of time followed by being disconnected. I reached out to pet store where I purchased the dog they stated they could not give me any information.
|
| 05/18/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Billed by Monterey Collections {$420.00} OPENED ON CREDIT REPORT XX/XX/XXXX. ( 3 yrs 8 mos ).
Total billed by XXXX XXXX XXXX on XX/XX/XXXX to me Full balance {$330.00}.
I payed {$99.00} the day of order, leaving a balance due of {$230.00}.
I owed {$230.00} NOT {$420.00}.
Monterey Collections refused this information. They will not budge. I contacted XXXX XXXX XXXX they said it would be taken care of.
Monterey Collections is argumentative and carry a extreme righteous behavior. I have disputed this with XXXX. I have tried to pay my part of {$230.00} based off my XXXX XXXX XXXX INVOICE. One person is handling this account and will not BUDGE.
1 DERAGATORY Mark opened on XX/XX/XXXX by MONTEREY COLLECTIONS remains to this date ON my XXXX Credit Report XXXX XXXX {$420.00}.
|
| 07/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I had a payment get returned to the company on XX/XX/XXXX and on XX/XX/XXXX I remade the payment online ( I paid the amount stated online {$100.00} ). The company has been calling me nonstop while at work, I call them back and had to leave a message. They emailed me saying I still owe them {$19.00} because there is a {$10.00} return fee for the first payment and they never explained what the other {$9.00} was for. They also said that since it is now XXXX I am now 30 days past due which is ridiculous my very first payment was due XX/XX/XXXX. I kept asking them how this could be and they ignored my question and said I must pay the {$19.00} which I already had as soon as I found out I owed it. This company is predatory and obviously will make false reports to the credit bureau.
|
| 01/05/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
Made a purchase through the company Monterey Financial Services for the estimated amount of {$1900.00}.
Was given 30 days to pay the balance in full. However on the XXXX day, when I tried to pay the debt in full I was told I was not eligible for repayment and owed more than 50 % of my original balance ( more than {$4000.00} ). I was told that in order to be eligible for repayment in full I had to call 5 days before the XXXX day and inform Monterey Financial Services of my decision to pay the balance in full. The company then placed this balance on my credit report in collections. I disputed the claim and had it successfully removed, only to find a month later that the debt returned and I was charged an additional {$1000.00} in interest taking my balance over {$5000.00}.
|
| 01/09/2018 |
Yes |
- Debt collection
- Private student loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
The balance I owed them as of XXXX XXXX was XXXX, by this date they have charged me a total of XXXX $ in fees which they claim I owe them. Their collection fee is XXXX $ and I have been charged almost XXXX $ in interest fees and they continue to charge me those interest fees daily. I am being charged almost a thousand dollars in as little as 6 months and the balance keeps rising daily. I have tried to come up with a settlement with them and they will not take off any fees and continue raising the balance. The balance now is almost what the original loan amount of XXXX was, as if the XXXX $ I already paid doesnt amount to anything. When I originally signed the loan I was not informed of these fees that I would be paying if I defaulted in payments. This can not be legal
|
| 01/23/2024 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
|
|
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.
|
| 10/20/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
Older American, Servicemember |
|
On XX/XX/XXXX I made a purchase at XXXX 's XXXXXXXX XXXX in XXXX, KY. I used XXXX XXXX 90 day same as cash to make this purchase of {$300.00}. On XX/XX/XXXX I received notice that my loan was sold to Monterey Financial Services, XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX. I paid them the total amount of the same as cash loan, {$300.00} via XXXX XXXX on XX/XX/XXXX. At that time I went back to the on line account with Monterey and found that my account of paid and thus closed. Yesterday I received a call that I was past due on my payment of {$62.00} and my account was back open. This was a 90 day same as cash loan. It was paid off in just 2 weeks and this company is now trying to get more money out of me. This is wrong and has to stop. It is beginning look like a scam.
|
| 07/09/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/2021 I was contacted by postcard which is a violation of 15 usc 1692b ( 4 ), about a monthly payment. As I read the postcardThere was obscene and profane language which is a violation of 15 usc 1692d ( 2 ), also never stated that I want to do it which is a violation of 15 usc 1692e ( 11 ). I felt threatened by the post card which is a violation of 15 usc 1692d ( 1 ). There are multiple addresses on the postcard which is a violation of 15 usc 1692f ( 8 ). They do not use the name of the original debt collector which is a violation of 15 usc 1692e ( 14 ). And there is no law that states you have to pay a debt which is a violation of 15 usc 1692f ( 1 ). I have also sent over to them affidavit of truth notarized with exhibit all the violations and an invoice
|
| 02/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
I bought an item from Monterey Financial and it was 90 days same as cash and I paid it off in one month and they reported it as a charge off because they charged me an extra {$36.00} and I called and complained and they had to correct it and then the correction they consider the {$36.00} that they made a mistake with a charge off and XXXX will not change my credit score to paid in full even after I have sent them all the documentation proving it was paid in full and never a charge off. I have talked to XXXX. They will not change it and have given me the runaround. XXXX XXXX and XXXX, or reporting my credit correctly, but XXXX will not change it no matter how many investigations they have done, and no matter how much information I have sent them to prove my case.
|
| 06/20/2022 |
Yes |
- Debt collection
- Mortgage debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Older American |
|
Hello, We are contacting you regarding an issue we are experiencing with XXXX XXXX and Monterey Financial Services. XXXX XXXX forfeited our timeshare ownership, and we called and confirmed that our account was foreclosed in XXXX of XXXX. It is now XXXX, and Monterey Financial Services has notified us that they now have the account in collections. How can they legally collect when the timeshare told us our account was foreclosed? Also, why did they not try to collect when our account was active, until waiting months to put us on notice that they now are trying to collect on the total amount. Something is amiss here, and we need someone to look into this for us. Please assist us in this endeavor so we can resolve this once and for all.
Regards, XXXX and XXXX XXXX
|
| 03/07/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Someone used one of the prepaid cards that you buy from a store and purchased a XXXX XXXX product under my name falsely I called the company to try to figure out why it showed up at my house to return it and they refuse to take it back and the card that was used again was a prepaid card that was fraudulently used with my name. The account was opened XX/XX/XXXX I'm unsure of the exact date. But I did have a dispute done with them and it still shows up on my credit report showing I owe {$510.00} with XXXX payments and I explained to them that it was not my debit card through my bank I don't know who open the card or anything else. XXXX XXXX is the original creditor but MONTEREY COLLECTION SVCS is the one that shows up as the collections Agency on my report.
|
| 06/29/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
I recently opened a line of credit with a company called XXXX. They transferred my loan to Monterey financial. My first payment of {$130.00} was due on XX/XX/23. I set up recurring payments on XX/XX/23 to have the bill paid monthly on the due date and have the email for reference. On XX/XX/23 I checked my checking account and they took out the {$130.00} as well as an additional {$120.00} without my approval. When I visited my Monterey financial account, they did not have any payment history available for me and it now is reporting my account is past due {$250.00}. I attempted to contact them with no success. Their lending practices are predatory in nature and based on multiple reviews I can see I am not the only person with issues with Monterey financial.
|
| 04/06/2016 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Trouble with how payments are handled
|
|
Web |
|
|
Monterey Financial has extracted a late fee from me even though I have paid them on time. They have stopped my access to my educational program due to stating that my payment was late however they have received my first payment plus late charges and still I do not have access to my class. I have paid them off in full {$2700.00} yesterday but I still do not have access to my class at careerstep.com. I was treated like a criminal even though they did not mail me my loan documents or give me any copies of my financial agreement. I tried to set up a payment system with them thru my bank, XXXX but they do not process payments in a timely manner in order to extract late fees. They should be charged for bank fraud.
XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX
|
| 11/12/2018 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
The amount due on this account is inaccurate. They are trying to charge fraudulent charges to get more money. The total amount of the product was for {$2500.00}. The amount already paid to them was 9 payments of {$240.00} + {$2200.00} plus initial deposit of {$640.00} bringing that to a total of {$2800.00}.
Therefore, this account was paid in full. I have previous documents and statements proving this. I would like this removed from my credit score account.
I have contacted them numerous times and all I have been told is that I owe them {$5600.00} more. They constantly threaten that if I don't pay it that they will making this appear on my credit score. They are continuously ruse on the phone to me. Wont try to help me or listen to my concerns.
|
| 08/04/2016 |
Yes |
|
- Communication tactics
- Called outside of 8am-9pm
|
|
Web |
|
|
XXXX XXXX in XXXX, CA has been repeatedly calling my cell phone, even though I am paying/have paid my bills in a recurring and timely manner. They called my cell phone at XXXX XXXX/XXXX/16. When answered, the caller hung up. The numbers attached to this company calling my cell phone outside of legal hours is XXXX. I have asked them to resort to email communication if they can not follow the rules for contact via telephone set forth by the FTC. They will not comply, nor will they address the issue. I contacted them shortly after XXXX PST on XXXX/XXXX/16 to discuss this issue, and was met with aggressive/unethical collection tactics in regards to a bill I have been paying regularly and timely, which resulted in being hung up on by a representative.
|
| 09/20/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
|
|
Monterey Collections sent me a bill from 2009 from a company called XXXX XXXX that went out of business and or went bankrupt. Several years ago I turned them in for harassment and illegal collection practices. I sent them a letter many years ago with a do not contact. They have now contacted me per mail to tell me to pay up to a company that does not exist and out of there statue of limitations per CA Penal Code 1748.10. The only way I knew of this matter was when I was cleaning up my credit report. They will list it as new to start the process all over again which is against the Federal Law. Several other companies do this as well. Including the County of XXXX XXXX who refuse to comply with any and all laws on paid off bills and judgements.
|
| 01/25/2019 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
XXXX XXXX XXXX XXXX is reporting on my credit file. I have tried numerous times to get information from them but no answer. I have also disputed this account with the bureaus and the account is being validated but no proof has been sent to me.
They are a collection company and reporting not only a balance but also a " past due '' balance as well as a late payment on XX/XX/2018. Collections agencies should not report a 30 day late as it is already in collection.
The account needs to be reviewed for deleted or prof needs to be submitted to me as to the validation of this debt and payment history would need to be updated right away.
I have attached a copy of my credit report which shows how the account is reporting on my credit. Page 1.
|
| 07/13/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
On XXXX/XXXX/17 I called Monterey Collections along with a financial counselor who is helping me with this case. We called because I discovered some fraudulent accounts on my credit report. When we called we spoke with XXXX XXXX ID # XXXX who basically accused me of giving my grandson authorization to speak on my behalf and said that I signed for a dog when I never did. When I would try to explain myself she would talk over me and would n't let me explain myself. I was trying to tell her that I never authorized anyone to purchase a dog and that I found out about this debt after I was contacted by the collection agency. She continued to say that I did authorized this dog purchase as I was calling to try to find a solution about this fraud.
|
| 01/30/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
On XX/XX/XXXX, I made some purchases on XXXXXXXX XXXX website using the buy now pay later option. I received a copy of the purchase lease agreement which showed the total balance for the items I purchased and the total balance including interest and disposition fee, which was {$89.00}. The total value of the items was up to {$1100.00}, but after adding excessive interest and a disposition fee, the balance I owed was {$2800.00}.
However, the original creditor sold my lease agreement balance of {$2800.00} to the Monterey Collection Services. Unfortunately, they added more fees and excessive interest, and now the balance they're reporting on my XXXX credit report is inaccurate. They're claiming that I owe {$4000.00}, which is not correct.
|
| 03/05/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
Back in the early month of XXXX XXXX I contacted this company for validation of the debt they have inaccurately reported to my credit profile. I have found *several* inaccuracies on my report that further prove my suspicion of this account being fraudulent and NOT MINE. Attached is proof of the credit report with misinformation differing across the three credit bureaus. I kindly request this item to be removed completely, never to be added back again.
I understand that the Fair Credit Reporting Act regulates credit bureaus and collection agencies to ensure proper and accurate reporting for all consumers. In this case, I have not been treated fairly as the reported accounts are continuing to show -- with mismatch information especially.
|
| 06/02/2017 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I have been dealing with horrible collection practices from Monterey Financial services and their harassing practices. they have been threatening to send it to review for collections which would add an additional 35 % to my bill i tried to explain today XXXX / XXXX / 2017 at XXXX XXXX i received the call from the company he was very harassing and was bullying me to the extent of making me feel uncomfortable he kept interrupting me and demanding information as to what the personal matter was as to why I 'm filing for ch. XXXX bankruptcy the personal matter was none of his business but kept trying to bully me into giving him the information. this was so unprofessional and i refuse to be bullied by this company any further.
|
| 08/28/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Original creditor XXXX XXXX XXXX XXXX also known as Monterey Collection SV has opened a collection on my credit report for XX/XX/2020 with the amount of {$5.00}. I did my research on the company and it's on online program to further your education. I have not signed up to attend school ( during a pandemic ) to further my education. The education I have are through a university and are included in my student loans. I have sent out letters to this company on several occasions with no response and no information on where it shows I signed up for this service. This has been a hassle to get off and I have filed Identity theft with ftc as well. I really need this off of my credit as I am trying to buy a new home for myself and my kids.
|
| 02/02/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
In approximately XXXX my now ex-wife enrolled in an alleged XXXX program to become a XXXX XXXX XXXX. The company was conducting a scam. The supposed XXXX did not provide the promised instruction or service.
The company is named XXXX XXXX XXXX XXXX. It is no longer in business, or is under a different name.
I have attached screenshots of the company and companies that were connected. The screenshots are from XXXX Utah 's website. It is set up to show information about unethical or illegally acting companies. The screenshots show that it is out of business a of XX/XX/XXXX.
The charge for the company was supposedly financed through Monterrey FInancial which is a collection company that also has a reputation for many complaints.
|
| 07/20/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
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.
|
| 05/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
I reviewed a current copy of my credit report and I show listed inaccurate or unverified accounts that are continuing to cause issues. I sent a dispute to the the creditor and also to the credit bureaus and have not received and results to investigation and it is beyond FCRA timeframe to complete dispute. The company listed is MONTEREY COL ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) and account number is XXXX. I also understand that per this account that it is a direct violation for FDCPA and account is showing an open balance of {$4700.00} which per law balance must reflect as {$0.00}. This is a continued issues and I am currently attempt to purchase a home and not able to do so because of this alleged account.
|
| 06/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
Servicemember |
|
YESTERDAY, Monterey Financial Services LLC XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX, CA XXXX ( XXXX ) XXXX, A COLLECTION COMPANY, ILLEGALLY SUBMITTED TO MY BANK TO WITHDRAW FUNDS THROUGH A MONTHLY DEBIT CARD PAYMENT WITHOUT MY KNOWLEDGE AND AUTHORIZATION FOR AN ACCOUNT I DO NOT HAVE AND HAVE NOT AUTHORIZED.
I DON'T KNOW HOW THEY GOT MY BANK DEBIT CARD ACCOUNT INFORMATION, BUT THIS IS UNACCEPTABLE, UNPROFESSIONAL FRAUD AND THE COMPANY SHOULD BE CHARGED ACCORDINGLY AND ALL THREE OF MY CREDIT REPORTS BE UPDATED TO REMOVE THIS ACCOUNT ACTIVITY IMMEDIATELY PLEASE. I HAVE BEGUN THE DISPUTE PROCESS WITH MY BANK. I ALSO SUBMITTED A COMPLAINT TO THE XXXX XXXX XXXXXXXX IN THE STATE OF THE COLLECTION COMPANY. PLEASE HELP. THANKS.
|
| 10/03/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
To whom it may concern : On XX/XX/2018 I discovered an account for the amount of {$9900.00} that was reported on my XXXX credit report in error.
I then contacted and disputed the problem. I fully explained the situation and have been frustrated by their failure to correct the problem and remove the inaccurate information from my credit report.
The company has provided me with documentation that does not pertain to me, is for a XXXX XXXX and a XXXX XXXX that live in XXXX XXXX, I never lived there nor am I associated with these individuals.
The problem has prevented me from obtaining a debt consolidation loan, and has created financial hardship up on me.
Please register my complaint and contact me.
Thank you,
|
| 10/31/2018 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I never signed a contract with Monterey Financial. They threaten to file suit against me. The debt is in collections they are adding interest every month to a account thats in collections and reporting it as late on my credit report. I tried contacting to solve debt by paying they wouldnt accept my offer. The manager doesnt know how to properly communicate. Theyre continuously harassing me calling either to early in the XXXX or to late in the afternoon. I would be satisfied if this debt is removed my account especially since theyre reporting false inaccuracies. If a account is added to collections as a debt that is supposed to be closed but still reporting as late and causing the amount to grow for no accurate reason.
|
| 07/15/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
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.
|
| 12/05/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
We are reaching out to you today to file a complaint against Monterey Financial Services for direct violation of the Fair Debt Collection Act. We agreed with XXXX XXXX to settle with them for {$1000.00} and sign a release agreement. We completed that process but XXXX XXXX never cashed the check but reported the debt as paid in full due to Grantors request, which led us to believe this had been resolved. However, come to find out, XXXX sent our account to collections. We notified Monterey Financial Services of this issue, yet they continued to reach out to us anyway. We want it on record, that Monterey Financial Services did not follow the Fair Debt Collection guidelines and all communication from them needs to cease.
|
| 05/05/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I was sent a collection notice from Monterey Financial Services representing XXXX XXXX XXXX for a debt of over {$10000.00}. I informed XXXX XXXX this was not my debt but that of my spouse XXXX XXXX and I had no financial responsibility for this debt. I asked them to please remove the derogatory mark on my credit reports and to cease all collections. They first responded this debt would stay in collection and go after me but it would be sent to a supervisor for review and I would be contacted in 7 days. This was in XXXX, it is now XXXX. I contacted them again telling them to remove this from my credit report as it is causing big problems with me trying to obtain a mortgage, but there is no response or anything done.
|
| 04/10/2017 |
Yes |
|
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|
Web |
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This account is reported in to XXXX, XXXX and XXXX. The account is being reported to have a derogatory rating which is very troubling to me! I am concerned about my credit because I was recently denied a loan and my existing credit accounts have increased my interest rates. This negative rating has caused me serious financial distress and will continue to cause me financial and emotional distress until this issue is resolved.
In researching my legal rights, I have found several items that I understand I am entitled to. In order to rectify this situation and ensure my rights have not been violated in any way under the various consumer protection laws, I must hereby formally demand and information request!
|
| 11/06/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
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On XX/XX/XXXX I had my brother to compose a letter of dispute on my behalf to Monterey Financial Services.
In regards to a collection on my credit profile that I " have NO knowledge of '' The letter is detailed asking for validation of debt ( showing my signature, any stipulations of guarantor statement, last date of charge/activity and or payments ) I do n't even know the name of the original creditor.
I received a written response dated XX/XX/XXXX stating I should have requested validation 30 days after I was notified of which I was never notified by XXXX XXXX. They have violated FDCPA and also FCRA to list this disputed and unvalidated alleged debt on my credit profile that I have no knowledge of.
|
| 07/15/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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|
Web |
|
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XXXX had corporate policy that the patient would never have out of pocket expense they would only bill the insurance company. XXXX submitted a charge to my insurance company the insurance company then requested some records from XXXX to verify coverage but never received them and never paid the claim. ( XXXX is no longer in business ) I was contacted by Monterey Collections XXXX XXXX CA. XXXX XXXX XXXX XXXX claiming I owed them for the service. I replied within 30 days of receiving their notification requesting validation of the debt and other questions. After receiving the request they have not provided the validation and continue to send notices.
Copies of correspondence available on request
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| 06/03/2020 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
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I've disputed with this company and sent a dispute letter on XX/XX/XXXX. What I got back is incomplete. Where is the HIPPA form, license to collect in my state, copy of the furnish of debt???
So again I will ask again : I'm disputing this account. I'm asking for them to prove 100 % verified or validation. So I'm submitting through this site for help. This collection agency has not proved this account is mine. They have not sent me any of the proof I'm asking for.
*Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally They are saying it is verified but where's my proof? What methods are you using to verify?
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| 01/13/2017 |
Yes |
- Consumer Loan
- Installment loan
|
- Taking out the loan or lease
|
|
Web |
|
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I had a medical procedure two years ago and used XXXX to pay for my procedure. Monterey Financial created our loan. We have been paying our loan to them on a monthly basis. Monterey started showing on our credit report that we were past 30 days and we have only been past 30 days one time. I contacted Monterey several times asking for an audit and was not given XXXX. We disputed with credit bureaus and then received a contract to validatensure our debt. When we got it we noticed the amount financed on contract was not accurate. We contacted Monterey and was told the amount did not matter because we signed the contract and it was a binding contract and we were responsible to pay. Please help!!
|
| 08/23/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
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On XX/XX/XXXX 2015 I went to a store " XXXX XXXX XXXX ''. I talked to salesman by the name XXXX. He sold me a mattress, and a box spring for {$280.00}. The address of the store was XXXX XXXX XXXX XXXX, XXXX, PA, XXXX. He took my information and told me about a free program through the government that helped low income people get a new and better bed. I did n't even need to fill out any paper work. Turns out this was a fake program. He used my information to take out a loan in my name. Furthermore, he shipped me a cheaper bed than the one I picked out out and paid for. Also, please note, He set up automatic payments for this bed. But it is linked to an account at a bank I have never used.
|
| 11/20/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
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I have been monitoring my credit score through XXXX XXXX and found out that there is a " loan '' reported on XX/XX/2021 by Monterey Financial. I dont have any loan other than my car and my mortgage. I dont know what is this account for. I contacted them over the phone and they were telling me that they can open a dispute to clear this record but I had to give them all my information plus my SSN which i dont feel confident because i dont know who these people are and what they do. I need to know if you can help me to get clarification on why this loan is showing in my report. Unfortutanely, i dont have any documentation that I can provide as backup since this loan doesnt belong to me.
|
| 06/29/2020 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
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On XX/XX/2017 I took out a loan from XXXX XXXX XXXX. It was a 'Time Share ', agreement. After several years of timely payments, I couldn't afford the payments because of economical hardship. I tried numerous time to settle and get out of this dilemma, but they refused to reason with me. All of a sudden, the loan escalated from {$1200.00}, original amount owed from {$5100.00}, to {$6800.00}. They forwarded the loan to Monterey Collection Services and the amount skyrocketed to {$10000.00}! I plead and plead to allow me to 'settle ' this situation, but they continue to threaten me with law suits and to damage my credit. I'm scraping just to pay the minimum trying to salvage my credit.
|
| 11/10/2017 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
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|
Web |
|
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A company named Monterrey Finance calls and leaves recorded messages saying " this is an attempt to collect a debt if you are not the person we are calling then do not listen to this message. '' Then the recording starts over and adds " call us back today '' I have answered the phone and the recorded message continues.
I have answered the phone and pressed the # 1 to find out what it is about and the recording continues. They call every day but I have been erasing the messages after my attempts to contact them have n't worked.
I have erased the days other then the two stated since I did n't plan on filing a complaint until today.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 07/11/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
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On XX/XX/XXXX an account with the name of XXXX XXXX showed up my XXXX XXXX on XXXX Credit Report with a tradeline of {$12000.00}. It said, this account has been active for 6 months. I had an account with XXXX XXXX and I had it cancelled right after I signed up for it back in XXXX. Now all of a sudden, I got an account showed up, that I never signed up for with Monterey Fin or XXXX. I got an email from XXXX that my account has been reported to bureaus. The account I had cancelled with XXXX and never agreed to signed up with Monterey Fin Or XXXX. I want this account off my credit report, I never agree to any of their terms or ask for it to show up on my credit. It is fraudulent.
|
| 12/22/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have consistently reported fraud on my credit regarding several accounts. After countless times, XXXX deleted the numerous accounts due fraudulent/inaccurate information. I called both XXXX and XXXX and explained XXXX removed the accounts and I needed to get the steps to remove it on the reports as well. They explained they investigated the same information and it was reported accurately. At this time I need the accounts removed because it has tarnished my credit for years. I have proof of XXXX removing the accounts and asked XXXX and XXXX if I could send it in. However the request was turned down. Can you please investigate this so I can get my credit in order? Thank you
|
| 04/06/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
According to the Federal Debt Collection Practices, the information that this company is false, I have never dealt business with this company never heard of this company that is reporting that a account they are reporting on my credit report saying Open Balance in XX/XX/2022, how is it even possible to be reporting something open a collection, Second I need a Validation Of Debt, Also I need something with my signature also, and last and important this company thats trying to collect anything Ive never heard of this company I have never dealt any business with this company so how did this company get any information on me and that is a violation of the Consumer Protection Act
|
| 08/07/2020 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
Servicemember |
|
In XXXX of 2018 we were victims of the path of Hurricane Michael, I had no access to internet or phone for a significant amount of time, was out of my job, and barely had a place to sleep. I have contacted Monterey Financial on MULTIPLE occasions to see if there was any way they could take me out of the Career Step financing I had scheduled because of the disaster we were affected by and they refused to try and make any arrangements at all. I have called countless times over the last two years and every time I speak to someone they are nasty and rude and unhelpful. Its not an amount I can pay back especially because I couldnt ever take the class that the payments were for.
|
| 02/19/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
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On XX/XX/XXXX at XXXX XXXX, a representative from XXXX XXXX XXXX signed for a certified letter containing a dispute for a collection account they are reporting on my credit reports ( XXXX, XXXX, and XXXX ). On XX/XX/XXXX, they sent back a letter attempting to verify, but did not send any verification documents. I also sent another letter requesting verification, in which an individual signed for on XX/XX/XXXX at XXXX XXXX. They did not respond to the letter and they also did NOT mark the account as disputed within 30 days as required by law. They have not followed the guidance required by law per the FCRA and the collection need to be deleted from ALL of my credit reports.
|
| 06/21/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Older American |
|
XXXX set up a payment to pay off loan. On the due date because any other payment they charge XXXX more to process. For XXXX. Regular due date. Amount XXXX on account number confirmation number XXXX. They said they didn't get it and now they have charged me XXXX more interest. On XXXX used a different card and now it's up to XXXX payed the full amount confirmation number XXXX. Sent them a email saying the date time and amount payed in full. Today the response was that they are going to report me to credit Bureau and they still haven't processed the second attempt to pay account off. But they make it difficult to pay off loan but still charging me more fees and interest.
|
| 09/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
Monterey Financial never billed us, or send emails ... nothing. Apparently, we paid them with an auto withdrawal for months. Then when our account was hacked we closed and reopened a new one. When were notified on our credit we were 30 days late we called. We paid them immediately and the employee checked with his supervisor to ask for the late remarks to be removed. They agreed they would take them off after the payment process. We called back a week later, This is in XXXX of XXXX Monterey then said they would not remove the late remark. At that point, we paid off the account in full because they were dishonest, and never send bills in the mail or in any other form.
|
| 05/09/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
My contract was with XXXX. Not the financial service company trying to charge me more after Ive already paid off. Which shortly after obtaining the loan they switched payment methods to XXXX XXXX Monterey financial services . Theyve called me at work when Ive asked not to do so. After XXXX and after all of that I paid the full payoff amount XX/XX/XXXX with my taxes. This month they have tried to charge my account and say I still owe {$140.00} which I do not. When I submitted the payment my payoff had a XXXX dollar balance. Now they are trying to intimidate me by saying a few negative reviews is nothing compared to their XXXX years of service. I have the screenshots.
|
| 10/03/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
ABOUT 10 YEARS AGO, I contacted a camp ground membership and asked how to end my membership ; I followed their instructions and was told that my membership was terminated. I did n't expect any problems and accepted their word for it.
About 5 years later, this collection company started calling me numerous times a day, every day. I told them I do not owe this debt. They have persisted for a number of years.
Recently, NEARLY 10 YEARS LATER ( AFTER STATUE OF LIMITATIONS HAVE EXPIRED ) they had it put on my credit report ( in 2015 ).
It is not a legitimate debt!
The statute of limitations expired years ago!
And it was illegal for them to attach it to my credit!
|
| 08/11/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
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
|
| 08/12/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not disclosed as an attempt to collect
|
|
Web |
|
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I was extremely surprised and upset when I checked my credit report in XXXX 2016. There is a mark by Monterey Financial Services XXXX XXXX XXXX, XXXX, California XXXX. It is in regards to a disputed contract with XXXX XXXX over a misrepresented vacation package. I disputed the mark with XXXX and the collection mark remains and does note that it has been disputed. The problem is Monterey NEVER notified me in writing that I was going into collections. I NEVER had a chance to dispute the collection attempt until AFTER it was already on my report. I did notify Monterey in XXXX and they ignored my grievance, I still have not received a collection notice from Monterey.
|
| 07/04/2018 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
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.
|
| 01/07/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
There is a collection on my credit report from Monterey Collections from a debt owed to XXXX. I disputed the debt with the credit bureaus and it came back as verified. I contacted Montery to get this fixed, they said I owed XXXX. I told them I did not know of this company or debt. They said from a lease XXXX XXXX, I have never leased a TV and do not know of a XXXX XXXX. I asked for a copy of the original documents and purchase but they have not produced it or removed the debt. According to the Fair Debt Collections Act they must provide information to substantiate their claim and have been unable to do so. I'd like this entry removed from all credit reports.
|
| 06/26/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
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.
|
| 08/01/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Older American |
|
date XX/XX/2020. I was making my payments on timely matter until I was unable to make them. I reached out to the company to try to make an agreement but I could not afford what they wanted. I stop paying because I could not afford what they were asking. I was willing to pay the smaller amount, but they werent willing to accept those payments. They sent it to collection total amount they're asking a total of {$5500.00}. They were asking for monthly payments of {$100.00}. XXXX. The collection agency balances {$2500.00} with late fees of {$30.00}, collection fee of {$87.00}, occurred interest {$2100.00} total amount due to the collection agency is {$5500.00}
|
| 03/02/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
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
|
| 06/12/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I have made attempts to have this issue resolved with XXXX XXXX regarding a collection account listed on my credit file. I sent a letter to the company dated XX/XX/18 regarding this fraudulent account and my ID theft report showing that I am a victim of identity theft. The account is not my account and I have never had any business with XXXX XXXX ; which is indicated as the original creditor on my credit file. I have asked that I be provided with validation and verification of the debt including an authorized signature. This has not been provided. My consumer protection rights are being violated and I would like a resolution regarding this situation.
|
| 08/31/2021 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Unauthorized use of credit report. Several violations of FCRA, FDCPA, and Truth in Lending Act have happened against me, a Federally Protected Consumer. Before cease and desist was sent I was being called regularly by Monterey Financial Services during working hours and being harassed. They have left multiple automated messages on my phone in which are saved, date such as the XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX etc. Also, other violations which were noted in a certified mail letter and delivered by USPS system on the XX/XX/XXXX which include 9 other violations. Monterey is civilly liable for knowingly violating me.
|
| 02/05/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.
MONTEREY COL ( Original Creditor : XXXX CAREER STEP ) account the position that is recently filed on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
|
| 05/04/2017 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
Acquired a merchandise loan with XXXX XXXX XXXX in XXXX of 2016 for { $2000.00}. The merchandise was returned two weeks after purchase, and been trying to get my final balance since the merchandise was return ed. Monterey Financial handles the accounts and are the one reporting on my credit. I 've been back and forward with this company regarding this account, but company is very rude and insist the I pay them a balance of {$5900.00} for merchandise that was returned. I 've even contacted all XXXX credit companies but nothing seems to happen . Monterey Financial refuses to give final balance, and remove account from credit report.
|
| 11/24/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I have a charge-off on my credit from " MONTEREY FINANCIAL SVC '' & " MONTEREY COLLECTION SVC '' which I never even applied for. I was sent a letter from Monterey Financial Services Inc dated XXXX XXXX, 2014 saying that my credit application was denied. But again, I never applied for anything to this company or the application for " XXXX '' that they are referring to on their letter. I did attend a sales pitch meeting from XXXX but I did not purchase any of their vacation packages. Now my credit report is showing XXXX charge-offs from this company for {$4600.00} and {$3400.00} ; which like I mentioned above, I have never applied for to begin with.
|
| 09/18/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
|
|
Web |
|
|
On XX/XX/23 I was in a webinar for a travel club, XXXX XXXX XXXX XXXX. I was told a series of puffery sales pitches. I paid XXXX on my XXXX and then financed XXXX. The total was XXXX. After I got off of the XXXX and received the login information for the travel club, I signed in and discovered that the discounts that they touted was an exaggeration. I then contacted Monterey Financial and they said that the sales contract with XXXX XXXX was final. I said that I thought that all financial contracts had a XXXX day period to cancel or rescind. I was never told that the contract was final and that I couldnt cancel after looking over the contract.
|
| 01/31/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I attempted to resolve the matter with Monterey and pay to close my account with collections and with XXXX XXXX XXXX XXXX XXXX ( the company that sent the debt to Monterey ), but they stated that can not be done. I sent a cease and desist to Monterey, so they can no longer contact me, but they are still reporting to my credit. I do not intend on paying them if they are not providing options to close my account with XXXX XXXXXXXX XXXX XXXX XXXXXXXX and with them. Pursuit of this matter by Monterey is frivolous.
I will resolve the matter of my debt with XXXX XXXX directly. I will escalate this matter to the Federal Trade Commission if necessary.
|
| 10/05/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I would like for MONTEREY COLLECTION XXXX to show proof of verification that I owe them {$300.00} with ACCOUNT XXXX. As of date, you have not provided me with a XXXX for my review and my records. I am asking that you do this now. In addition, if you reported this alleged debt as a loss to the IRS, I request that you pull this account back from any collection agency you may have placed it with or from any debt buyer you may have sold this to. Please provide this within 30 days. Until this has been provided, I am requesting that any negative reporting to my credit by your company or any company trying to collect this debt is immediately stopped.
|
| 07/22/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Around XX/XX/22 I received a telephone call from a debt collector to collect a debt that I was not aware of I asked if they can send me proof well they sent me on XXXX a loan agreement promissory note followed by truth in lending that I never received ever until XX/XX/22. So I wrote them a letter for more details on this debt claimed I owe and I havent heard from them yet. This has been harming my credit badly. I also seen comments on my credit report but after I sent the letter I seen that the comments has been removed but this company remains on my consumer report. I would like this debt discharge and deleted off of my credit asap. Thank you
|
| 07/18/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Monterey Financial Services.- ( collection agency ) XX/XX/2021 before we went to Hawaii. This company XXXX XXXX XXXX is a scam. They will hook you about the {$500.00} gift certificates that they will give if you attent the phone seminar then after that they ask you to be a member and ask you to pay {$1200.00}. They got the {$1200.00} on my checking account but the same day I told them to cancelled. Now Monterey financial is harassing me to pay {$4400.00} and said they will put that to my credit history.XXXX XXXX XXXX and Monterey Financial are business partners base in Hawaii. Check the XXXX reviews .. a lot of people got scammed.Thank you!
|
| 11/25/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
Monterey Financial continues to Re-Age a delinquent account, as well as increase the amount owed. The account was originally reported on my credit on or around XX/XX/XXXX. The account now reflects the open date to be XX/XX/XXXX. It also has increased by approximately {$2000.00} dollars from what was originally reported. I have provided information to the company that proves that the account should no longer be open, but they refuse to investigate with the original creditor as well as the business where the product was returned to and contract cancelled. The account number also continues to change within several emails and dispute inquiries.
|
| 08/22/2018 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
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.
|
| 05/09/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
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.
|
| 02/26/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I have contacted this company numerous times requesting back up documentation of a debt they are reporting on my credit which I have no knowledge of, all I am being told is the amount owed and that it has been verified as me, HOW? Where is my signature or back up documents? ... .this is a result of identity theft, I have also disputed with the credit bureaus and they have not gotten anywhere as well. I am asking for this company to provide valid VERIFIABLE proof with my signature to confirm this debt, if they continue to not do so I am requesting to have them remove this debt from my credit that they have been falsely reporting.
|
| 06/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 MONTEREY COLLECTION SV # XXXX ( XXXX XXXX ), has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 U.S.C 1692 b ( 2 ) not state that such consumer owes any debt.
15 U.S.C 1692 C ( A ) Without the prior consent of the consumer giving directly to the debt collection agency may not communicate with a consumer in collection of any debt.
|
| 08/12/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Claimant originally agreed to purchase from XXXX XXXX XXXX XXXX. This Company is their debt collector. Claimant changed her mind because the company was never accessible within the time i purchased and the next day to schedule another vacation. i could not reach their office number so i texted instead and they returned the message claiming my notice to cancel was received. this company is a scam! also they charged a down payment of XXXX whic is in direct violation of 12 CFR 1026.4 not cash comparables in a consumer credit transaction. they also NEVER gave the disclosures on my right to rescind this retail installment contract
|
| 07/27/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
I received a 0 % interested loan through XXXX. However, my loan is serviced by a company called Monterey Financial.
When paying the loan off early, XXXX customer portal double-charged my payment. Ive been trying to get the overpayment back for a week, but since Monterey is the servicing the account, I have to go through them and theyre dragging their feet saying it could take almost two weeks to get a refund, which makes no sense when they were instantly able to take my money. Theyve been very misleading. This has caused overages with my bank because money needed for other automatically withdrawn bills could not go through.
|
| 03/06/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
Monterey Collection said the I bought an XXXX from them electronically, this is fraud and I have told company several times, they tried to get Money from my bank which was a fraud and my bank removed it because they knew it was a fraud, Now since I have been complaining money is add each time to the account from ( $ XXXX ), now I am making a complaint here. I want this off my report and they will lie and say someone else approved it who! NOT MINE. DID NOT APPROVE ELECTRONICALLY LIERS, AND I'M REPORTING TO POLICE DEPT. AS FRAUD. TRYING TO RUIN ME ON PURPOSE. MONTEREY COLLECTIONS I HAVE OFFICIALLY MADE A COMPLAINT AGAINST YOU.
|
| 09/12/2021 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Assignment clause Notarized letter of debt purchase Signed contract from original creditor Signed HIPAA form I disputed this account awhile ago but still have not received anything I asked for them to prove 100 % verified or validation. This collection agency has not proved this account is mine. They have not sent me any of the proof : *Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally * Signed HIPAA form This is a form of HIPAA violation.
If they are saying it is verified then where's my proof? What methods are you using to verify?
|
| 12/20/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
I changed banks and forgot to set up an automatic payment out of the new bank. I paid my payment when I realized the error, but the institution charged me a late fee.
The next month I sent XXXX payments to make sure I was current but they started calling about the {$20.00} late fee obsessively.
I paid the late fee and gave them a confirmation number and a date they will be getting the payment. The calls will not cease.
They have been calling 3 times a day, 3 to 4 days a week since XX/XX/2016. I have called them 4 times and each time they assure me I am off of the call list. I also get massive text messages and e-mails.
|
| 08/29/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have been trying to ask for a verification the a debt they claimed I owe for {$9700.00}. This company never even bother to respond to me even when I sent them a letter that they received on XX/XX/21 with tracking number XXXX! I have been sending them a mail and according to my research online they need to respond and validate the debt. In addition to this, the amount of the debt shows in my credit report are not consistent. Why are they doing this? Where are those amount coming from? The balance reported when they first put in in my report is different from what is currently reporting. Please help me with this matter
|
| 12/27/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
So one day I went to get a oil change and them they told me that my car have some damage so they say I need to fix it so it wont get worse I first I was like idk so they told me about a loan and I say yes everything was going good until one day I found out that the repairs they say I needed they didnt do it so I call to make a complaint and they say that I was laying about it so I call the company of the loan and I told them that they used me to get money from me but they didnt listen to me so and the next day I went to the place to get a refund and they declared themselves in bankruptcy so now I still owe the money
|
| 10/05/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I had initially applied for a student loan to help with furthering my education. Life got in the way and I was unable to keep up with my obligations.
In XXXX of this year I was finally in a position to resolve the debt so I contacted Monterey Finanical Services and spoke with XXXX XXXX. After a lengthy discussion with the account representative I was told that if the debt was paid they would then have the negative information removed from my credit file. I requested removal agreement in writing and I did receive an email from XXXX XXXX which I have included. The debt was paid yet the information is still reporting.
|
| 05/03/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
I was contacted by Monterey Financial and spoke to a representative. She asked to speak with XXXX. My name is similar but not XXXX. I told her that I saw their company name on my credit report so they definitely have an open collections account but my name is not XXXX, last name was correct however. I explained that I am a victim of identity theft and she hung up on me. I called back and was repeatedly hung up on after explaining the situation. They said since they couldnt verify the account was mine, they couldnt speak to me. They did not ask for any other information to verify the account, only my name.
|
| 02/11/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I talked to Monterey Financial today about a debt I have with a timeshare maintenance fees for a XXXX XXXX XXXX XXXX. I have not seen written communication about this or had the ability to dispute this.
I called them back today XXXX.
They said the amount was {$5700.00} and this showed up on my credit report today via XXXX XXXX In the call they told me, my credit will continue to be impacted. They advised I open a credit card to pay this off. XXXX said I can't settle or pay them directly but Monterey said XXXX owns the debt and they can't settle. It seems they are in cahoots and taking advantage of me.
|
| 02/12/2019 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
On or about XX/XX/2012 my Ex-Husband purchased a vacuum cleaner in my name. The approximate price was about {$1500.00}. When he stopped paying on the vacuum cleaner my name was sent to the collection agency. Every year since then they have been adding more interest to the original {$1500.00} debt and changing the report date each time to reflect a earlier than later date of collection. I tried calling to dispute it but was told I needed to pay the entire amount or I would be brought to court. Soon after I would receive phone calls from Monterey Collection services every week to try and collect debt.
|
| 07/15/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
The original transaction was with XXXX as evidenced in the enclosed documents. XXXX funded the transaction and the debt was owed to XXXX XXXX. However, upon completion of the transaction and subsequent attempts to contact XXXX, I discovered XXXX had ceased operations and had been indicted for fraud by the Federal Trade Commission.
The debt has now passed the statute of limitations for reporting and for legal pursuit of collection in my home state of Texas. I demand removal of the record of this debt from my consumer credit report and cessation of collection activities by Monterey Collection XXXX.
|
| 12/14/2021 |
Yes |
- Student loan
- Private student loan
|
- Getting a loan
- Denied loan
|
|
Web |
|
|
I went to XXXX XXXX XXXX and I was about to start the XXXX XXXX program and due to unforeseen circumstances I did not attend. Made contact with XXXX before school begin to state that I was not going to attend and to suspend the loan. I was told that everything was good and clear and then I was hit with this charge on my credit report. I never received any letters or correspondence regarding this debt. I don't feel that this is lawful because I never got the opportunity to fix this if it were my fault. I have lived at the same address so I have not missed any letters or mail regarding this debt.
|
| 01/06/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I attended a XXXX XXXX XXXX XXXX XXXX XXXX and received a loan through Monterey Financial. Upon enrolling and paying for the school I was promised job placement as well as proper certifications and training from the school. I did not receive any of what was promised and was instructed by the owner who no longer owns the school to stop paying the loan they would take care of it. They did not. Now the school is closed down and there is no information to be found on how to contact them anymore. The school shut down due to not following through on agreed services that were included with the class.
|
| 09/12/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
I used a buy now pay later feature on XXXX website, a gun retailer, to purchase a firearm that is approximately XXXX dollars in value, TO DATE, I have paid in excess of XXXX dollars towards this purchase, which as show in the pictures I submitted was market to me as 0 % APR, theres even an item on the contract, the XXXX XXXX XXXXXXXX, that I neither received or bought in the first place. Not to mention the sneaky practice of passing my debt to a completely random 3rd party ( Monterey ) when my initial purchase was through XXXX. This is a very shady business thats already been sued for this.
|
| 07/12/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
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.
|
| 11/17/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Monterey Collection service is refusing to remove a collection item from my XXXX Credit Report in the amount of {$43000.00} for a debt which was cancelled by XXXX XXXX XXXX in XX/XX/XXXX. The cancellation letter clearly states that XXXX XXXX is relieving me from the debt. Multiple disputes have been filed in the months of XXXX and XXXX of XXXX with XXXX and Monterey Collection service still claims the reported item is accurate. I need this item to be removed from my credit report as the debt was forgiven by XXXX XXXX XXXX who is the original vendor. all objective evidence is attached.
|
| 03/08/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Used obscene/profane/abusive language
|
|
Web |
|
|
In 2014, I applied for a XXXX credit card to purchase engagement rings. I was under the impression that I was receiving credit through XXXX. I was declined for XXXX and they sent it to Monterey Financial. I was making payments to Monterey Fin until I fell on hard times, lost my job, and my child died last year. The agent was rude and disrespectful. She called me after I made online disputes for my credit report. She told me on last Saturday, " Pawn the rings and get the money. '' The prices went from {$1300.00} to {$1600.00} to pay off the account but my report says I owe {$1100.00}.
|
| 08/11/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received an email from this company that I could not open. I sent email to medical coordinator at a doctor office. On my first time at the doctors office I signed documents but none of them was this company, XXXX XXXX. Their contract was signed by the coordinator and not me. I never consent, agreed, or even seen any part of their contract until about one year later when Monterey Collections provided me a copy. Their contract was signed st the doctors office on a day I was not there. This means it was signed by the office and not me. I never signed or agree with this company loan.
|
| 10/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
The company Monterey Collection services is reporting incorrect information to the three credit bureaus ( XXXX, XXXX and XXXX ) showing the original amount of debt as {$220.00} as of XX/XX/2020 with a now balance of {$280.00}. I have reported this account as fraud to Monterey as I didnt establish this account and they have agreed to remove this account immediately from all three agencies but to date is still falsely reporting erroneous information. I am very concerned that this is unlawfully impacting my credit rating and opportunities In establishing new credit contingencies.
|
| 07/29/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
When speaking to Monterey Financial Services, they would not send documentation of what this debt is for. I sent a letter to Monterey Financial Services on XXXX XX/XX/XXXX and it was returned with no forwarding address. When I spoke to Monterey again, they would not give me an address to correspond with them. They stated I have to pay this money in order to get any information. They did not care that the company I originally contracted with, XXXX XXXX XXXX, went out of business XX/XX/XXXX ; therefore, there was no service provided for the debt they were trying to collect.
|
| 08/05/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
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.
|
| 03/17/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Older American |
|
A collection was filed on behalf of XXXX XXXX XXXXXXXX XXXX around XX/XX/XXXX. This was for maintenance fees for a times share, not a loan, We had attempted to return it to XXXX as we could no longer afford it and they refused. They reassigned this to another company in XX/XX/XXXX, Monterey Financial. They filed a collection in XX/XX/XXXX severely dropping my credit score. Company info is : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Toll Free : ( XXXX ) XXXX Fax : ( XXXX ) XXXX My understanding is that the same collection should not be filled twice by different companies.
|
| 04/11/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
I tried calling company that added information on my credit report after I had already submitted other credit protection on my credit report then all of a sudden this company that had already tried submitting other negative accounts prior submitted now this one from unknown company. I have been a victim of identity theft I have done everything in my power to stop the negative accounts and some how I keep getting targeted, especially by agency like these.
I need this Monterrey collection to stop trying to collect or report debt that is fraud and it is not my debt
|
| 08/05/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
Servicemember |
|
I took out a loan with XXXX to have a procedure done. They quoted me for XXXX dollars but only provided the doctor XXXX and I still had a balance with the doctor of XXXX. Moreover, I would pay back XXXX dollars for three years XXXX a month. I hit hard times so I missed XXXX payments and also decided not to have the procedure done. I was told todat by the doctors office that XXXX rescended their loan and that the doctors office sent them their money back. So I should not have to pay anything because not only did they pull their money back I never got the procedure.
|
| 09/25/2019 |
Yes |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
|
On XX/XX/XXXX I received a call from XXXX XXXX about a debt for someone that I don't know. Around XX/XX/XXXX I went to their website and requested to be removed since I am not the debtor. After I made this request, I got calls on XX/XX/XXXX, XX/XX/XXXX ( twice ) and XX/XX/XXXX. After the call on the XX/XX/XXXX I called and spoke with someone about being removed, at which point he admitted I was not in their system and that I should receive any more calls from them. Since then I have gotten calls on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
|
| 04/05/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX and do not have a contract with Monterey Financial Services or Monterey Collection Services. They did not provide me with the original contract as I requested and also this account is in violation of my consumer rights.
In accordance with the FCRA ( Fair Credit Reporting Act ) 15 USC 1681 Section 602a, states I have a right to accuracy and privacy.
15 USC 1681 Section 604a ( 2 ) - Also states that a consumer reporting agency can not furnish an account to be reported without my written permission.
|
| 09/07/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I authorized my mom to make a 1 time payment with my card for a product. My mom gave them her name and address for the purchasing of the product. The product is supposed to be in her name and her own account not mine. Collection agency send me a collection letter in my name and when asked for a recording of the purchase they stated they do not have it. This bill should have never been in my name. I did not order it and the amount is disputable. I was not aware that this product had more payments which were my mom 's reponsibility to pay not mine. Thank you.
|
| 07/05/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I was offered an online course by XXXX XXXX. I accepted the terms and signed a contract. Then i unenrolled from their program. I had given them all of my personal information such as SSN, DOB, and license number. I then received a payment book by an unrecognizable company ( Monterey Financial Services ). I was not informed or had given XXXX XXXX my authority to give another party or another company my personal information. Monterey Financial Services has reported negative and inaccurate information to my credit bureaus and it has affected my credit score
|
| 04/20/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
Older American |
|
This situation started over 15 months ago, I signed with XXXX XXXX XXXX and started a payment plan, since than I have not had any service from them, they have another company they work with called Monterey financial services llc. So far they have taken {$700.00} with no service, I told them I do not want there services any longer they want to report me to the credit agency. I have not had any services from XXXX XXXX they just signed me up and requested my docs and sent me paperwork to sign for service and now they want me to keep paying for no service.
|
| 06/14/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
|
|
The company Monterey Financial has continued with attempts to collect a debt that was included in bankruptcy as XXXX XXXX2016. They have gone as far as reporting this debt in different amounts twice on my XXXX credit report on XXXX XXXX, 2016 after the filing date of XXXX XXXX which violates the FCRA along with repeated phone calls violating the automatic stay from the bankruptcy filing. They have also verified that this account still has a balance and is not included in bankruptcy on all XXXX credit reporting agencies which is another violation.
|
| 06/10/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract. Since you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
|
| 06/10/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract. Since you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
|
| 09/28/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Monterey Collection is handling an account that I had with XXXX. I do have a balance with XXXX but not the balance they are reporting. Also, they are reporting the wrong account open date. I have disputed this information with the three major credit bureaus and with Monterey Collection and they have not fixed it to this day. I would like for them to show correct documents of when I open this account or remove it from my report. When I open the account it was in XXXX. They are saying I open it in XXXX. They are reporting incorrect information.
|
| 11/08/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
Recently, I disputed an account on my credit reports that is being reported by Montery Financial. The results of the dispute came back as 'verified and accurate '. Thus, I am requesting that Montery Financial provide me with the documents used to validate this debt, given that, I have no knowledge of this debt nor have I made any agreements with Montery Financial. Thus, Montery needs to send me a copy of the original contract ( bearing my signature ) and full accounting for the amount owed, using generally accepted accounting principles.
|
| 08/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Consumer reports have been falsely reported. Consumer report has been shared without permission, Debt verification has been falsely produced ( i.e no original promissary note with live signature, no original instrument of indebtedness ). FCRA law has been violated as consumers can not owe a debt, Pursuant to hjr XXXX one can not demand any certain form of currency that would like to receive if it is dollar for dollar.
Company : Monterey Coll XXXX XXXX allegedly owed : XXXX Reports that have been falsely reported on : XXXX, XXXX, XXXX
|
| 06/06/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
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.
|
| 06/12/2017 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
|
|
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.
|
| 01/26/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Problem canceling credit monitoring or identify theft protection service
|
|
Web |
|
|
this is a NOTICE OF DISPUTEXXXXMONTEREY COLLECTION SV violated my right to privacy, `I never had any contract or any agreement with them, they reported negative item in my consumer report in violation of 15 USC 1681 ( a ) ( 4 ), I never received any notice of negative information from them as mandated by 15 USC 1681s-2 ( 7 ) ( B ), They never had my written consent I AM DEMANDING THAT THEY DELETE THE ACCOUNT WITH ALL NEGATIVE ITEMS FROM MY CONSUMER REPORT IMMEDIATELY.
THEY ARE HARMING MY REPUTATION IN VIOLATION OF 15 USC 1692d ( 1 )
|
| 02/09/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Monterey Collection Services is reporting inaccurate information on my XXXX credit report for a company called XXXX XXXX. The company is reporting one balance to the credit bureau, but sent documentation to me with a completely different balance. The balance being reported to XXXX is higher than the true balance. This is a violation. I have disputed the information twice with XXXX. Monterey Collection Services verified the balance as accurate twice, which it is not. I have attached documents proving the difference, the violation.
|
| 08/20/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
The call my phone 100 times a day. My boyfriend and I went through a financial hardship at the beginning of the year and we are trying to take the proper steps to resolve this debt. They continuously call and say we need a payment today card or routing number. I tell everyone that we 'll pay on line there is no need to call. They talk over me and continue to ask for payment. I tell them when we have the money it will be paid. The say they 're sending it to collections I tell them okay send it. I rather talk to them not you guys.
|
| 09/19/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
Bought a timeshare through XXXX XXXX while under the influence. I emailed them to cancel it within the 120 day period and it was being disputed. Did not have any contact with debt collectors, assuming that this was taken care of. I tried to get a mortgage, and found out through a credit report that they had filed to collect once again. I only found out through the credit report about the collection. I still have not received a phone call, email or even a letter telling me I still owe them money. It has been in dispute all along.
|
| 08/03/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
|
I have a loan with XXXX ( Monterey Financial Services Inc. ) to the tune of {$3500.00}. They are charging me a 39 % interest rate. Im XXXX XXXX XXXX and unemployed, I have tried to negotiate payment plans and a different amount. I can not afford to pay them so I told them to please send me to collections ( multiple times. ) They will not stop calling me and now they are calling my mother ( whom is not even associated with the account ). They are harassing me and telling me that I need to give them my attorneys name and number.
|
| 11/24/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Notwithstanding a number of disputes to the XXXX XXXX and XXXX consumer reporting agencies concerning an improperly reported Monterey Collections Services collection account, said account continues to be reported without proof of ownership. As detailed in a prior complaint, not only was this account disputed as " not mine, '' but it continued to be reported notwithstanding a direct written dispute to Monterey. No investigation was conducted - I was simply ignored in violation of the Fair Debt Collection Practices Act.
|
| 05/06/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not disclosed as an attempt to collect
|
|
Web |
|
|
I received a letter saying that Monterey Collections has been referred for collection on the unpaid insurance portion of treatment from XXXX, XXXX. Unless I notify their office within 30 days of receiving the notice to dispute the validity of the debt then they will assume the debt is valid. All payments is supposed to be sent to Monterey Collections, XXXX. XXXX XXXX, XXXX, CA, XXXX. Clearly a fraudelant scam as I have never done business with either entity. Monterey Collections is associated with Monterey Financials.
|
| 10/08/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I have no idea why I have this debt, think it came from a service I never got anything from and they took out a loan in my credit card, now they keep harassing me with phone calls and I want it to stop. Im not paying for something for a service I didnt receive.
They call me with the same message These are dates theyve called me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this is an attempt to collect a debt please do not erase this message until you call us at XXXX again that number is XXXX thank you
|
| 05/04/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Sued you in a state where you do not live or did not sign for the debt
|
|
Web |
Servicemember |
|
Monterey Financial Collections in California working on behalf of XXXX XXXX XXXX a Timeshare company in XXXX. We were coerced into buying a timeshare in which we were held all day and the only way to leave was to sign a contract. When trying to get out of the contract we were told that this had to be done within 3 days ; however, we didn't get the documents until 7 days later.
So, we stopped paying! Now, they turned over to collection company in the US. Each month they continue to add ridiculous amount of interest.
|
| 11/16/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
I was a victim of identity theft and noticed a collection from MONTEREY COLLECTION / MONTEREY FINANCIAL SERVICES I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against MONTEREY COLLECTION / MONTEREY FINANCIAL SERVICES in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
|
| 06/08/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/2022 I sent a letter to Monterey Collections expressing to them that they needed to provide me documentation of my signature that this collection from the original company. They never provided me with proof that this was my debt. I asked them to submit my signature and they never responded with the actual contract with signature. They just sent me a letter stating that this was my debt. I told them that this was not my debt, submitted a letter stating such and asked them to please take this off my credit.
|
| 11/01/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
Monterey Financial SVC has listed my personal information on all 3 credit bureaus without my consent. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information. Also 15 USC 1681 A you have to remove this negative item off of my report during your investigation. Please do not respond and tell me that the law not pertain to you. I am the actual consumer so my rights are very important to me.
|
| 10/21/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
I had an account with XXXX that went into collections. Monterey Financial Services was the collection company for this account. I eventually filed bankruptcy in XXXX of XXXX and Monterey Financial Services was included in the repayment plan. While under the XXXX XXXX, Monterey continued to place inquiries on my credit report monthly as well as the amount continued to increase due to interest. My Ch. XXXX was XXXX in XXXX XXXX and Monterey is reporting to my credit report as a collections account on XXXX XXXX XXXX.
|
| 12/12/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
Servicemember |
|
I contacted this debt collector to disp [ ute the account and they have yet to validate the debt according to the mandatory processes provided by the FDCPA consumer protection law. They have failed to respond to my dispute within 30 days and have failed to note on my report that I have issued a dispute which is required the FDCPA Section 807 ( 8 ). They Are breaking the federal law and need to comply by removing the negative and erroneous information that is not in compliance to the reporting process of the FDCPA.
|
| 03/11/2022 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
On XX/XX/2020 I made a payment of {$300.00} to careerstep for a course I did not attend a single class and they forwarded my name to for debt collector. I forwarded an email to them to cancel any contract I may have enter but to my surprise several calls and harassment from monetary financial services was mounted on me to pay up for debt I did not incurred. No materials course, No documents and No instruments was sent to me in relation to the courses but they want me to pay for services that was never rendered.
|
| 10/31/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This account has been on my credit report and It is not mine. I have never done business with this company and I would like this account deleted from my credit report. I tried to contact the credit bureau to review my account and have the account deleted and they returned the account as verified and didn't provide me with any details as to how this account is owed by me. I am requested original documentation for this account to prove that it is mine or have the account permanently deleted from my credit report.
|
| 04/18/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
Servicemember |
|
I added an account I had with XXXX XXXX XXXX in my chapter XXXX bankruptcy but they still sent account to a collections agency named Monterey Financial based in California. Monterey Financial contacted me several times to collect the debt even after they received paperwork stating that account was included in bankruptcy. My attorney sent them paperwork and they still sent the account to collections which is affecting my credit report since they were not supposed to have the account in the first place.
|
| 09/19/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I am not responsible for any charges made to this account.
Please close this account immediately. I would like to request copies of any documentation, such as applications and transaction records, showing the activity on this fraudulent account that provide proof I opened this account beyond a doubt like drivers license, passport, social security card. Thank you for your assistance
|
| 08/11/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
I purchased a timeshare and cancelled it according to the 5 day grace period. I sent a cancellation through email, fax and mail. However they said I did n't send it through register mail. I tried to work with company, but they would n't accept my cancellation. I did pay for almost 2 years but could n't pay anymore due to loss of wages. This debt was sent to a collection agency. They are not willing to close the case, even when I have sent them paperwork showing that the proper cancellation paperwork was filed.
|
| 05/15/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
my payment is due on the XXXX the late payment is XXXX, if I mail my payment in via check the company never receives it by the due date or the XXXX, then they charge me a late fee and I end up paying online so they charge the transaction fee. Any month I send the payment by mail they call on the XXXX saying they have n't received it forcing me to pay the late fee and transaction fee.
Also now that I review the payments I do n't think the interest they charge me is legal it just seems like im paying triple.
|
| 08/17/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I had made a complaint in XXXX about this company, they responded that the late fee would be waived and that a late payment was not reported on my credit report. I went to pay off my account last week and made the payment in full that it asked for and now the company is saying I was late in XXXX thus forgoing my 90 day to pay without interest. They have charged me over {$90.00} in interest and still have a balance due of {$21.00} even though I clicked pay in full. This company is a scam to say the least.
|
| 03/04/2021 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
My complaint is about i went to XXXX many years ago and they involve to sing a time share,XX/XX/XXXX now i have a problem with my credit i collection evetime said is more and more money.
Now I have the collection for years i don't want to paid for something the i can used and i never used in my life, they calling me always.
I spoke with them explain the situation i can not paid that already past 7 years and still my collection is on my credit.
Im involve and another friend. Were in the same situation.
|
| 07/26/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I have been having major issues with XXXX XXXX fixing incorrect errors on my account. I also have in writing where a representative told me I needed to call the credit agency and have them send me the credit report on what data they had. I called the agency and they said that was false and they report why they have been sent.
Dealing with XXXX XXXX is horrid. I ended up having a loan of sorts after signing up for a travel package with world wide travel experts. Nothing is worth dealing with XXXX XXXX.
|
| 03/04/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
I returned all the medical supplies sent to me in the amount of time specifide because the sensor was faulty and not accurate. I called and complained nurmous times to never have my calls returned, so I returned their products in full. They took money off my husbands credit card for over {$300.00} that needs to be returned to me. They have been harassing me non stop and I 've explained to them that I will not pay for something they already have back. I sent certified I have signed receipt! Thank you
|
| 03/19/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
This collection account is a timeshare account for maintenance fees. I do not have a timeshare. This same company did this to me several years ago. I had a police report for my billfold being stolen. XXXX report number. That old account was deleted, and now years later it comes back. I dont know any way to dispute this. Ive called the collection company and they dont believe me. I dont want to pay a lawyer, but my credit is excellent and Im not going to pay {$3000.00} for a bogus debt. Thank you.
|
| 02/24/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
A debt collection was reported to all ( 3 ) credit bureaus for an account that is not mine. I tried disputing the account with the bureaus, but the item was not removed from my credit report. I have tried calling the number provided, but they never answer the phone. I sent a letter to Montgomery Collection Services requesting documentation for why they believe this debt is mine, as I have never done business with the named entity, nor have I ever received a statement for any existing obligation.
|
| 04/20/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have had this company reporting to my credit report since XX/XX/XXXX. I recently began cleaning up my credit and have asked this company twice via certified mail to validate this debt to them. I sent the first certified letter on XX/XX/XXXX, they signed for this letter on XX/XX/XXXX. I sent the second certified letter on XX/XX/XXXX, they signed for this letter on XX/XX/XXXX. To date they have not responded and they have not complied with fcra laws regarding marking the credit report disputed.
|
| 10/30/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
XXXX of 2017 I put a down payment down on a dog. I was told the cost of dog was {$1200.00}, and had agreed to pay that through a financing program. The name of the institution is Monterey Financial. After the {$1400.00} was paid ( 1 year later as I was told ) the institution continued to take money from my account. Therefore I stopped payment by calling the bank & paying the bank a small fee.
They are continuing to call my phone and Im concerned this may affect my credit in a detrimental way.
|
| 12/16/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Taking out the loan or lease
|
|
Web |
|
|
I was told by the auto repair company that I was getting a line of credit with the actually repair company not a lending service, and then when they repaired my vehicle, they cracked my windshield, put no transmission fluid in my vehicle nor oil, weeks later my entire truck broke down. I informed that that I would not be paying for those services until my vehicle was repaired. My vehicle was never repaired causing me to have to junk it and now me and my XXXX kids are without transportation.
|
| 09/17/2019 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Monterey Collection Service representing XXXX XXXX XXXX has repetitively sent correspondence demanding payment for an unknown debts. When I requested by law that they send me identifying documents to show that I owe this debt such as ID, Social Security Number, and/or contract bearing my signature, they have not done so. Their claim is Hearsay according to law. In the midst of this, they are ruining my quality of life because they have put this item on my credit : XX/XX/2018 amt {$3400.00}
|
| 09/30/2020 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I have been called repeatedly since XXXX of 2020 about some classes they claim I ordered but I never ordered them, never received them, and Im not even sure what they are for. My credit is ruined from this and I didnt even do anything wrong! I did not share my personal information. I dont know how someone couldve done this. In the files attached all of the calls labeled unknown are repeated harassment from this company. I blocked one of the numbers and then another started calling me.
|
| 12/19/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
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.
|
| 08/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I contacted this company about a account thats on my report that i have no knowledge I never leased anything from MONTEREY FINANCIAL SERVI or XXXX XXXX XXXX this is a illegal account nd loan type Account XXXX Account typeLease Responsibility Individual Date openedXXXX StatusOpen. {$560.00} past due as of XX/XX/2022. Status updatedXXXX 2022 Balance {$4500.00} Balance updatedXXXX Recent payment XXXX XXXX Monthly payment {$260.00} Original balance {$4500.00} Highest balance {$0.00}
|
| 07/20/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I had a loan amount taken for XXXX which was paid. I owed less than XXXX dollars in the account and the company never called or contacted me to make me aware of my balance. Now they are charging me over 120 % in interest and I owe more than the original loan amount. I called to settle the account and was told I would be called back and never was contacted. I reached out on several occasions and they refuse to settle the debt with me, which is negatively affecting my credit score.
|
| 09/26/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
this was a online loan with XXXX 's XXXX and they finance through montery finance ... i made an agreement for a total purchase of {$770.00}. The n let see the finance agreement and they said i would pay back {$1700.00} dollars ..Im like that's a scam ...
So I canceled the contract ... now they are still trying to draft money out of my account which I called my bank and they stopped payment to montery finance ... I was this problem solved as soon as possible!! Thanks XXXX XXXX
|
| 04/02/2016 |
Yes |
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I spoke with a representative named XXXX. He said I owed {$120.00} but I disputed the amount. I owed {$96.00}. He spoke fast, he changed the amount on the debt 3 times during the call, and he lied and said they were a paperless company when I asked for a print out of my bill. XXXX did not direct me to the web site where I could put in my account information and see the correct amount. XXXX said they were a paperless company but they had sent me a paper invoice a week before.
|
| 05/07/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
I disputed, with all credit reporting agencies, the information being reported by Monterey Financial Services. The information could not be validated and, as a result, the company issued a letter and removed all information from all credit bureaus. Now, for some reason, XXXX has added a deleted account back to my credit report. I need this account removed and I need it to stay removed. I need XXXX to provide an explanation as to why they put this back on my credit profile.
|
| 08/08/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
The agency is saying that this is a timeshare account that was opened up back in 2021 in XXXX. I never travel to XXXX in 2021. I never opened up any type of timeshare account. I reached out to the collections agency I provided them with my email address. The collection agency was supposed to send me a copy of a signed contract. I never received the contract. I called them several times for updates. Can not get in contact with anyone. I leave messages nobody calls me back.
|
| 12/12/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Creditor Information MONTEREY COLL SVC XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX ( XXXX ) XXXX Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX The above company has a collection on my credit reports and I have disputed it. It has been over 30 days and the credit bureaus have not given me a response. This is not my account and the account was opened fraudulently.
|
| 06/09/2017 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
monterey collection agency is damaging my credit report with a debt that i do n't owe the company is constantly calling me threatng me and harassing me over the phone when i already have told then that the account that they are trying to collect is no mine. but they insist this company is not respecting the law and they are acting like a mafia by using threats abusive language and adverse tactics to intimidate the people to collect money that the consumer does not owe.
|
| 07/23/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I have been consistently reaching out to all three credit bureaus to correct an account thats currently reporting twice on my bureau. He has been over six months and still it has not been corrected. I have entered into a payment agreement of {$50.00} with the correct and original company to pay towards the balance due. This should not be reporting on my bureau twice. The original creditor has stated that they are only reporting it once. This needs to be corrected ASAP.
|
| 02/14/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem when making payments
|
|
Web |
|
|
I called the first time and was told that there was a mtg and I would be called back to pay off my loan, that call never came.
I than called 2 other times and was hung up on both times.
This all occurred on XX/XX/2020 I have also attempted to go online and pay it off but your website will not let me make a password, even though I have 1 uppercase, 1 symbol, 2 numbers, 10 characters, which surpasses your min stated password requirements, which I have a screenshot of.
|
| 05/11/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
XXXX XXXX XXXX XXXX Account XXXX My brother contacted XXXX XXXX to get different dates for the condo. I thought he paid the condo fee at the time of due. I moved due to a divorce and did not get anything from XXXX XXXX XXXX XXXX collection notice. I would like to dispute the debt collection and immediately pay XXXX XXXX but I did not know it was not paid. I was never contacted by XXXX XXXX via phone or email, just a mailing which I no longer lived at the address.
|
| 12/15/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
Monterey collections agency attempted to collect {$2400.00} from me, stating I owed XXXX this debt, dating back to 2011. I emailed them requesting proof and the contract came with the information of the person, with only our names being similar ; first name was n't spelled the same, DOB was 7 yrs apart. I called Monterey collections and the agent stated the problem will be corrected, but it might take 6 weeks. I had a similar incident with them about 3 years ago.
|
| 12/28/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
An account was open fraudulently with XXXX as the original creditor who than sold the account to Monterey financial services a collection agency. I have contacted them many times and informed them of the fraud. The major credit reporting agencies have agreed to remove the account. The account still remains as a negative trade line on my XXXX credit file. This needs to be corrected as Ive received correspondence that they will remove the account and still havent!
|
| 06/08/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
Monterrey Collections st ates in a letter that i opened an account with XXXX XXXX XXXX in XXXX of XXXX . I have not been a part of the MIlitary since XXXX XXXX i do not have any knowledge of a loan with Monterrey COllections or XXXX XXXX . I have dispute this account numerous times and have asked for account verification. I do not have a contract with Monterrey COllections and i do not have any knowledge of an account with XXXX XXXX .
|
| 07/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I am not Liable for this debt with XXXX XXXX, I DO NOT have a contract with MONTEREY COLLECTION SV. They did not provide me with the original contract as requested. According to 15 USC 1681 a 2 they must have written authorized permission to furnish those accounts on my credit report. They are in violation as I have not provided this permission.
I have also filed complaints with the Federal Trade Commission as well as the XXXX XXXX XXXX regarding this matter
|
| 08/29/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
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.
|
| 10/21/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Monterey Collection Services is saying I owe them {$420.00} on one credit bureau and on the other credit bureau {$370.00} for the same collection which is a red flag and error.I have never done business with them I have no contract with them or obligation.
At the same time theyre violating HIPPAA .
Again I have no contract with Monterey Collection Services and they have no validation of me doing business with Monterey Collection Services company.
|
| 01/15/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
- UNITED STATES MINOR OUTLYING ISLANDS
- 11105
|
Web |
|
|
They are charging me {$170.00} for an account that was opened. XXXX Knows when. This look fraudulent. it seems someone else bough something from the company they represent.
I have no knowledge of how this happened and when this happened. My credit bureau was already informed about this mistake. The company says that it is mine and that I need to pay. I told them repetitively times it is not and that is fraudulent, They do not want to fix it.
|
| 07/07/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
company claims to represent a credit account that doesn't belong to me. The account is a result of identity theft. They are harming my credit report by saying I have an account in collections. They didn't even know my address or send me anything in the mail until after I disputed the transaction with a credit report company. I've disputed the account on my credit report but they are trying to scam me to get it removed from my credit report.
|
| 09/07/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
collection company keeps harrassing me all hours of the day they have contacted me over 4 to 5 times a day I don't know complaint keeps calling me and harrassing me I have never ordered their product XXXX XXXX this is a fraudulent activity that was on my account under my name I want this removed immediately this company calls me non stop from multiple numbers even when I asked them to stop they continued this is illegal and their tactics.
|
| 04/22/2021 |
Yes |
- Student loan
- Private student loan
|
- Getting a loan
- Fraudulent loan
|
|
Web |
|
|
Monterey financial loan issue on XX/XX/2021 XXXX XXXX XXXX XXXX contacted me. I was told that I was approved for a loan without knowing how much the loan was for.
I tried to contact agent and loan company to stop any miscommunication pertaining to a loan that I didn't sign for.
I do not want a school loan ... especially from any school that engages in deceptive, high pressured, manipulative tactics to recruit students in this way.
|
| 08/25/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have repeatedly received calls from Monterey Financial that are regarding a person, an entity, and an amount owed that I am not familiar with. I am not the person they are trying to contact. I have told them on the phone multiple times, both by picking up when they call, returning their call, and also filling out the form on their website notifying them of the incorrect number. It has not ceased since it began in, at least, XXXX.
|
| 02/20/2016 |
Yes |
|
- False statements or representation
- Indicated committed crime not paying
|
|
Web |
|
|
My personal information was fraudulently used as a co-signee by XXXX XXXX XXXX for a medical credit. It was approved for her with out proper verification. Only my name and social security number matched what XXXX XXXX XXXX, the company that issued the credit to XXXX XXXX has on record in the application. Every other information, date of birth, address, job, telephone, wage, and email did not match, yet the application was approved.
|
| 09/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
|
| 05/18/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under + open end consumer credit plan as late for any purpose.
|
| 04/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
In accordance with the fair credit reporting act XXXX XXXX XXXX Account XXXXhas violated my rights 15 USC 1681 Section 602 states that I have the right to privacy 15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for any purpose
|
| 12/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
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.
|
| 05/01/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Notified that this debt after it was placed on my credit report ; reached out to collection agency to dispute the debt. I asked them to send verification of the debt and they haven't. I also mentioned that my identity was stolen and that I have notified the police and I have a police report number which is below.
This account does not belong to me. It should be removed.
Police Report Number - XXXX ( XXXX XXXX XXXXXXXX NC )
|
| 06/27/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
|
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.
|
| 08/19/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Around XX/XX/2021 I received a letter from a company I did not recognize that went by the name Monterey Financial Services, LLC. They wrote me saying I have a credit line of {$12000.00} and that payment was due. I do not recognize this account nor do I have a card with this intuition that has a limit of anything. I have sent them a letter asking them to verify this debt and they have yet to respond to me regarding this debt.
|
| 02/20/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
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
|
| 12/16/2017 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I spoke to a representative of the company and I explained to her that I would like to start making payments on the debt owed. She repeatedly told me that it was their companies rules to charge me XXXX $ each time I paid a specific amount owed towards the balance. I asked her if she had any information on that policy she told me no they do n't share that information with clients. Something 's not right with this company.
|
| 09/20/2019 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
More than 2 years ago went ahead and bought a {$900.00} dog from a local shop. They had me sign up for a {$4000.00} XXXX loan for the dog. Due to financial hardship and having XXXX children I missed two payments. My account was sent to collections. I had a lack on understanding of credit and collections. The collectors called at odd hours and dozens of times per day. Leaving voicemails saying it will affect my credit.
|
| 12/15/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
When signing up for a loan through XXXX I was told that I had one year to pay off a loan before the amount double. However, my account was transferred to Monterary Financial collection Services. I called Moneterey to settle the collection for the amount I was quoted {$1300.00}, however they said I owe double the initial price after only 3months. I would like to settle by dept before the 12month anniversary day comes.
|
| 12/20/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Monterey Collection is in my credit report with XXXX XXXX XXXX XXXX debt. I have tried sending validation request for the account. But they never responded to me. Also account keeps coming back verified but the balance is not reporting consistently. This is a violation. They don't have the proper documents to validate the debt. This is tracking # XXXX when I first sent my letter. See attached for proof of inaccuracy
|
| 08/11/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Older American, Servicemember |
|
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
|
| 09/23/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
XXXX XXXX XXXX is a scam that we unfortunately fell for.
We contacted U.S. Consumer Attorneys, P.A. to help in this matter. They managed to get the matter settled however the Club had already sent to Monterey Collection Sv. The club apparently does not intend to inform Monterey Collection Sv that the matter has been settled.
The Club has been dragging their feet on this but this is not a legitimate company.
|
| 06/13/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I have disputed this account multiple times. The company and the credit company XXXX refused to remove the account. They opened the account while I was in a chapter XXXX bankruptcy. They also provided documentation that appears to be screen shots of an application with them. However the bank account they provided I have never owned. Therefore, this account was not mine. They wont change the information.
|
| 05/18/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
Today I reviewed my credit report and discovered that this company has reported that I owe for a debt that was discharged. My Attorney XXXX XXXX XXXX XXXX XXXX, had this debt discharged releasing me from any financial obligation of this debt. The original creditor was aware of this prior to sending this to collections. This was clearly a retaliatory act to defame my good name and injure me financially.
|
| 07/10/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
When my ex and I broke in 2012 up She was working for XXXX XXXX in sales And she had purchased a vacuum with out my knowledge or consent She had stolen all my information and Had forged my signature I have filed a police report I have tried contacting the creditor And I have tried to disputing through XXXX XXXX The creditor had sent back a copy of the contract the signature on the contract is not mine
|
| 06/11/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
I tried to pay off complete debt woth a credit card was denied twice due to wrong address on file per XXXX XXXX then Monterey financial decided to withdraw without my authorization the amount due of XXXX out of my checking account I have filed a dispute under fraud as suggested by my bank XXXX XXXX has not returned momey or returned phone calls after speaking to employees and then referred to manager
|
| 12/14/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
My Wife and I were victims of identity theft with a company called XXXX XXXX and they were notified and a police report sent to the company and its collection team of XXXX. The account was removed from the credit bureau but now has reappeared with another collection company called MontereyCollections. This has affected by lively hood and life and is damaging my reputation.
Respectfully XXXX XXXX
|
| 12/19/2021 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
MONTEREY COLLECTION IS REPORTING AN ACCOUNT TO MY CREDIT REPORT THAT HAS INCONSISTENT AMOUNT OF BALANCE. IT CONCERNS ME HOW THIS ACCOUNT KEEP COMING BACK VERIFIED EVEN IF I HAVE TRIED MANY TIMES TO ASK FOR VALIDATION. PLEASE SEE ATTACHED SNAPSHOT FOR THE INCONSISTENCY. THIS IS THE TRACKING # XXXX FOR THE VALIDATION LETTER I FIRST SENT AND YET THEY NEVER RESPONDED TO EVEN AFTER COUPLE MORE LETTERS
|
| 03/04/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have been sending dispute letters since XX/XX/2020 when it showed on my credit report on XXXX because this collection is not mine and doesn't belong to me.
No one has gotten back to me and this is affecting my credit this is my last resort to get the help that is needed to straighten this out.
I am having to pay higher interest on everything especially because it doesn't even belong to me.
|
| 01/17/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the Fair Credit Reporting Act, the account " Monterey Financial Service account XXXX XXXX has violated my rights as they are reporting on my XXXX XXXX XXXX and XXXX XXXX XXXX
15 U.S.C. 1681 ( 602 ) ( a ) states i have the right to privacy.
15 U.S.C. 1681 ( a ) sec 604 ( a ) sec 2 states a consumer reporting agency can not furnish a account without my written instructions.
|
| 04/10/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
I have contacted your company to cancel a contract for item I never received. Your agent told me that I would still need to pay you XXXX off money that your seller never returned. I contacted the seller and they started you contact you to cancel. Contacted your company and you tell me to contact the seller. I am getting the run again with both companies. This need to be cancelled immediately!
|
| 05/21/2019 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
Monterey Financial Services, LLC.
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Tel : ( XXXX ) XXXX Purchased a puppy in XXXX Massachusetts at the XXXX XXXX Store inside the XXXX XXXX XXXX on XX/XX/2018.
The purchase price was {$3100.00} I have paid {$2900.00} to date.
Company states i owe 30 payments of {$230.00} and at the end of those payments i will still owe another {$3000.00} in interest?
|
| 03/07/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
This company is reporting constant late payments on my account, however the account is not mine whatsoever, I called and spoke to them and told them they were reporting incorrectly, they then told me they were going to continue to report anyways. I asked for the original documentation and contract that was supposedly mine and they emailed me a blank pdf file with some non-sense written on it.
|
| 01/24/2017 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
I took out a same-as-cash 12 month payment plan From a XXXX. This was later transferred to Monterey Financial Services, LLC. My loan was paid in full in XXXX 2017 ; however? Monterey continues to collect payment through the automatic debit I gave set-up. They do not respond to phone calls and website is completely bogus. I am Unable to log in to my account and unable to re-set password etc.
|
| 01/27/2020 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
MONTEREY COLLECTION HAS BEEN TRYING TO COLLECT FOR DEBT WITHOUT PROOF OF OF THIS DEBT, HOW IT WAS CALCULATED OR ANY CONTRACT FOR THE SUPPOSED SERVICE, LIST OF SERVICE, ETC.
THEY'RE DISREGARD FOR MY RIGHTS HAS CAUSED THE ERROR IN REPORTING WHICH HAS LOWERED MY QUALITY OF LIFE.
THE AMOUNT THAT THEY ARE TRYING TO COLLECT IS {$4400.00} THAT THEY HAVE NOT EXPLAINED AND SHOULD BE DELETED.
|
| 04/13/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
The service provider stopped providing services and i put a complait against XXXX in Utah. They lured me into getting a loan from them but the service was not provided. i stopped making payment due to the lack of delivery of services.They keep on calling me and harrasing me. They also have put a derogatory mark on my credit reports and due to their mark my credit score has dropped
|
| 02/17/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
My XXXX XXXX shows and amount of {$740.00} is currently in collections with The Monterey Financial Services LLC. I have attempted to call this company to settle the debt and have not received any feedback. I am in fact unable to even reach to a representative as their phone lines say they are closed. I need this debt cleared and removed from my credit report as soon as possible.
|
| 05/03/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Impersonated an attorney or official
|
|
Web |
|
|
They called my phone several times. I dont have an income I dont work, I am on medicine. I lost unemployment, I am about to loose my apt , because lack of income. I am not receiving food stamps. They called me saying that they are investigator and they coming tov My house. They said they reporting me to authorities. I told them to stop calling harassing me. I dont have anything.
|
| 06/29/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
In XX/XX/2011 the U.S. Bankruptcy Court filed a Chapter XXXX bankruptcy judgement against me and my husband. We went through all the stipulations warranted by the courts. Our allotted time has expired and we would like this conviction erased from our credit reports, so we can move forward and re-establish our respect and dignity.
Reference # XXXX : Discharged. Joint filing.
|
| 08/22/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
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.
|
| 09/06/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I do not knowledge these hard inquiries on my 3 bureaus ' credit reports and kindly want them removed : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 07/02/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Sent debt validation letter to company on XX/XX/XXXX and per certified mail tracking number XXXX letter was received by company on XX/XX/XXXX ; i have not received any information to validate this debt ; the original creditor was removed from my credit for false information and then sold to another company and increased the amount of the debt owed without contacting me
|
| 09/09/2022 |
Yes |
- Debt collection
- Other debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
Pursuant to 18USC871 act of extortion for any alleged debt owed is a violation of consumer law. According to 18USC8 anything purchased with my SSN ( personal identifier ) is an obligation of the United States and anyone attempting to collect a debt is guilty as pursuant to ( FCA ), 31 USC ( XXXX ). This debt is to be discharged at once in remedy of the natural person
|
| 08/06/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
The company agreed to remove this debt in XXXX. It was reported as an auto loan which it is not. The company XXXX that provided the product failed to uphold agreement and has since then went out of business. The product was damaged upon arrival and repair cost was paid by me. None of the important documentation after repeated attempts to obtain have not bee provided.
|
| 02/07/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
This account should be included and discharged in my chapter XXXX bankruptcy of XX/XX/2015. I've disputed this account with the CRAs but this issue continues to cause me great pain and suffering as it continuously appears on my credit reports making it impossible for me to move forward towards my new years to come. I haven't even received validation of this debt.
|
| 02/07/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
MONTEREY COLLECTIONS - This Company has been informed via the major credit reporting agencies that this is a debt not owed as it is absorbed in a chaper XXXX bankruptcy of 2015. The debt was obtained prior to the XX/XX/2015 bankruptcy which automatically includes it in the bankruptcy.
It has also not been verified through the dispute processes of the cra 's.
|
| 02/19/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I recently went to apply for a home loan and discovered in the process that Monterey Collection is saying I owe {$430.00} and its the only obstacle stopping me from getting approve.
I dont know this company or never done business with this company.Monterey Collection doesnt have any written contract with my signature or any proof that the debt belongs to me.
|
| 11/02/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
Debt is not owed, identity theft reports have been filed and submitted to all appropriate parties and credit agencies. Absolutely zero communication from the debt collector and balance of amount due has doubled. Proven multiple times its not my debt. This needs to be immediately removed from my credit reports and company needs to cease and desist immediately.
|
| 12/22/2022 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
They have called and emailed me about my balance but I emailed them back telling them I dont have that kind of money. The company didnt make it clear to me. Im in the process of looking for a house so thats putting a dent in my credit. I dont get help from anyone and I have kids. I stopped paying because I read the reviews on the XXXX and they are scams!
|
| 09/25/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
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.
|
| 03/03/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
Servicemember |
|
my original loan was for XXXX on XX/XX/2021 and I have been making payments. I have made a total of XXXX in payments to this company which is obviously over the payment amount. Now they have charged off my account even though i was making payments and have written off XXXX like I have never made any payments. this is illegal and should be investigated!
|
| 01/17/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I do not recognize how this account is reporting on my credit report, I dont recognize this account number, I do not recognize this account status, I do not recognize the account high balance, nor do I recognize the late payments associated with it. Everything reported here does not meet the FCRA. This account was opened XXXX and last reported XXXX
|
| 10/27/2016 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I am receiving phone calls from Monterey Financial, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I have contacted them to stop the calls. The looked me up and I do not have an account with them, which they verified! They have no procedure in place to stop the calls and want me to give them my social security number, which I refuse to do, and is my right!
|
| 06/12/2020 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I spoke with a representive from XXXX XXXX XXXX who tinted my windows for about {$400.00} dollars and made me apply for a loan for {$2000.00}.
I was let on payments and they sent my account to Monterey financial who is charging $ XXXX plus for debt collection.
XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Monetary financials
|
| 07/15/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Monterey Collection Service is reporting a collection account to all credit bureaus as a collection account that 's in the status as open, it 's also reporting a high balance as {$10000.00} and a balance owing of {$16000.00} and the balance goes up each month ... How is this possible when the account is supposedly a closed collection account
|
| 04/06/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I have fraudulently account that was place on my credit report onXX/XX/XXXX. I file a police report with XXXX and sent the report to company and all three credit bureaus. Company refuses to remove this negative account. Monterey collections services placed collection amount of {$11000.00} as ofXX/XX/XXXXand every year it goes up.
|
| 05/28/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Recently signed up for monitoring company in which I first noticed fraudulent account reporting from company Monterey Collection SVC XXXX XXXX XXXX XXXX CA. I have no relations to think account this is a result of identity theft as I have reported to the FTC as Identity theft and seeking that it be removed as soon as possible.
|
| 03/27/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I opened a XXXX account in XX/XX/XXXX, I paid the full amount in XX/XX/XXXX. The account was close and Monterey reopened the account on XX/XX/XXXX. There was no actual contract and the amount was paid in full for {$1000.00} now it stated that I owed {$3000.00}. False information and amount. Im no longer reliable for this debt.
|
| 05/26/2022 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
I spoke with a representative around XXXX and asked that they only contact me via mail with the address they have on file for me. I have blocked the number they were previously calling me from and they continue to call me from Unknown numbers. The most recent voicemail I have from them is dated XX/XX/2022 from XXXX XXXX XXXX
|
| 11/19/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
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.
|
| 07/15/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Monterey Collections recently reported an unpaid debt for {$17000.00} on my credit report. Prior to the appearance of this account on my credit profile, I did not receive a notice of my right to dispute. Due to this negligence, Monterey Collection Svcs is violating my rights under the Fair Debt Collection Practices Act.
|
| 12/10/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Monterey Collections for XXXX XXXX, continues to add fraudulent information to my credit report. My husband and I paid the debt we owed jointly. They took it off of his credit report and added it to my credit report. I have proof that the debt has been paid and the information was to be removed from my credit report.
|
| 06/03/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have asked for validation of this alleged debt many times. This was attached to my credit report in 2017. I have disputed this matter many times and have not gotten a response. I now see the status of this alleged debt is : " Dispute resolved by grantor. '' I never got any response in the mail regarding this issue.
|
| 12/13/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
Company name : Monterey collection sv XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX Acct XXXX show me that you are licensed to collect in my state ; Texas. Your lincense numbers and registered agent I have yet to receive any of this information, and its really becoming a problem, please assist me with this issue
|
| 09/27/2021 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
I have disputed a collection on my credit report with Monterey Collection Service, and not once have they shown me any correct documentation of this debt. Not is the collection still in place, but it continues to increase every few days. I have not been notified via phone call nor email from the collection agency.
|
| 05/15/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Sent in a certified Validation of Debt letter to company, asking specifically for a contract stating that I owe the company money for a debt without any contract showing. I have not received any correspondence from company at all. This was sent out via certified mail on the in XXXX and stated received via USPS.
|
| 05/15/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
I sent a letter to Monterey Financial with a restrictive endorsement. this endorsement that was included with a letter that stated the same was if they cased the check the account is considered paid in full and shall be removed from all credit bureaus, company has failed to remove and continuing to bill me.
|
| 08/10/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I signed a contract with XXXX XXXX XXXX XXXX on XX/XX/2021. Claimant used the right to recind contract on XXXXXXXX see proof through email. This collector has continued to list this collection on my consumer report and attempt to collect a debt which DOES NOT exist although I've advised them multiple times.
|
| 03/14/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
it was a company, XXXX that said i owed them for a product that was returned over 7 to 8 years ago. now they put my account im collections for XXXX for what they said i bought again. was not notified & XXXX wont remove from my account. never gave them my social or any info. dont owe this company not mine
|
| 12/14/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
Servicemember |
|
Bill for services provided by XXXX ; toal of XXXX, apid XXXX. Third party lender ( Monterey Financial Services ) financed a remaining balance of XXXX on bill. After 4 payments of XXXX ( total of XXXX ) paid so far, called for payoff amount and was told it was XXXX! Nearly 200 % profit on a 14 month loan.
|
| 08/22/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
XXXX at Monterey is harassing me with the same debt that was resolved back in XX/XX/2022. She is trying to collect for a debt deemed as fraud by the hospital where occurred. CFPB already closed this case back in XXXX as resolved, however according to this inept agent I need to pay for it again. See XXXX
|
| 02/19/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX is saying I owe {$430.00} but the paper they sent me as their proof clearly say the individual was a female on the paper and the address said somewhere I never lived and I will attach the proof and my ID showing and saying Im a male with my proper address I been living for the last 11 years.
|
| 06/20/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
I took a look at my credit report last week on the XXXX of XXXX. I notice that there was a collection from Monterey collections in the amount of {$1900.00}. I tried reaching out to them from a number that I found on XXXX but no one picked up. I have not received any letters or calls about this debt.
|
| 02/02/2017 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
When I spoke to agent on phone and told them I did n't have a job they said well that 's my problem and now they are going toctake legal actions against me. They wo n't stop calling my cell phone and refuse to stop harassing me. They have been calling even my mothers cell phone and work phone.
|
| 12/28/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
The debt appears on my report. I attempted to pay off the account in efforts to get it off my report. When I called the company they have no knowledge of the account. The forwarded me to 3 other agencies who also could not locate the debt. I have attempted to resolve and want this removed.
|
| 01/20/2017 |
Yes |
- Consumer Loan
- Installment loan
|
- Taking out the loan or lease
|
|
Web |
|
|
The companies were using a finance company to sell a fraudulent product and I believe since the companies went out of business shortly after, the finance company knew of there scam and the fraud method used. Also numerous complaints on the internet and I 'm sure with the finance company.
|
| 09/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I have not visited their store nor signed anything but they keep putting stuff on my credit which is making my debt increase and my credit score drop. I would love to see documents with my signature because I know for a fact that I didn't sign any contracts agreeing to credit checks.
|
| 10/31/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
Servicemember |
|
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.
|
| 12/07/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/2018 at XXXX XXXX XXXX we received a call from Monterey Financial XXXX. Person leaving the message was clear until what the matter was regarding and then made what they were saying very hard to decipher until she gave the phone number and extension to call her back at.
|
| 02/11/2019 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I have a debt collection reporting on my credit for an account that I did not authorize. I have never utilize credit services and or lines with this particular company. The information appears to be frivolous and I wish to address this matter. This debt does not belong to me.
|
| 12/26/2019 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I terminated the contract by returning the puppy to a no kill shelter. The contract was to be reduced to half of the loan amount due to termination yet, the lender is attempting to collect the full amount and accrual of monthly rental fees for the puppy I no longer possess.
|
| 12/13/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
Servicemember |
|
I made a XXXX payment on XXXX with a representative and they told me it would take XXXX hours to process. I checked today XX/XX/13 and they still havent processed my payment. This company is purposely trying to keep me from paying off this loan to charge me extra fees.
|
| 05/06/2016 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Indicated committed crime not paying
|
|
Web |
|
|
This company has ignored attempts to provide proof of the debt, they have ignored my request to delete this from my credit or provide what the FDCPA 15 USC 1681 623a7 requires. They have threaten ignored and seems to have a calloused disregard for my rights and the law
|
| 05/11/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
These people will not stop calling my work number. I do not owe a debt to these people and they are harassing me daily. I have filed a complaint with the XXXX. Again, this is my work number and I do not want calls from fake companies that don't identify themselves.
|
| 09/28/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I was agreement pay completed amounts and they will deleted from my credit bureaus, this company Harassment by a debt collector says debt collectors can't be deleted and threats of violence speak or reporting information to a credit reporting company harm my credit
|
| 01/31/2020 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
XXXX XXXX and Monterey financial are reporting to my credit that there is amount owed. There is nothing owed by me to thirst companies and I have written emails from said companies stating it was to be removed months ago and has not. This is needs to be fixed ASAP
|
| 10/09/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I recently checked my credit report and I saw Monterey Collection Services for the amount of {$420.00}.
I dont know this company I never done business with this company this company doesnt have any written signature of mine or any kind of contract with me.
|
| 09/10/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This is a joint account that I am not aware of. I called the company to get a contract for this account. The company refused to give me any information. The company told me if I gave them {$11000.00}, they would reinstate me and delete this from my credit.
|
| 01/02/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I contacted them about the problem they keep adding fees and different charges that keeps making my loan go up whenever I pay it when I pay it it goes right back up to the same amount making it impossible to pay over because it never drops down.
|
| 10/17/2023 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
We have requested debt validation from Monterey Financial in writing and they have refused to provide it. We ask that the debt be returned to the original creditor so we can continue to work things out with them.
Thank you, XXXX and XXXX XXXX
|
| 09/11/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Monterey Collection Service is attempting to collect a debt. Im not aware of such debt. I have attempted to contact them and sent letters of dispute to validate debt. To no such return of communication and or information never received.
|
| 04/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
On XX/XX/2022 Monterey Collection Services XXXX XXXX at XXXX XXXX maliciously placed a {$4800.00} amount on my personal credit report with XXXX, XXXX and XXXX. They have NO supporting documents or any evidence or me owing the debt.
|
| 06/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I need assistance with rectifying this incorrect balance removed and ultimately I've never done business with this company. Please mediate the situation in attempt to rectify it and get the incorrect data removed from my report
|
| 06/29/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
The account has been paid in full but is still showing as a collection on my report. The last time the credit report was updated was in XXXX it is now XXXX almost XXXX and has not been updated to reflect the paid in full status
|
| 01/25/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
This company refuses to provide proof of credit validation.
They harass me numerous times during the day.
I have sent validation letters in : XX/XX/XXXX XX/XX/XXXX They still insist I pay for this account.
This is fraud.
|
| 06/12/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
|
|
XXXX/Monterey financial misleads people into believing they are buying items at same as 0 % interest and locks you into a contract at 30 % interest for 12 months, not enough contractual information given at time of agreement
|
| 02/09/2021 |
Yes |
- Debt collection
- Mortgage debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
This complaint is connected to the one i filed ID XXXX, where they presented some documents that are partial or lacking some pages to it. I have some of the documents that they didn't submitted in response to my complaint.
|
| 07/30/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Monetary financial services LLC DATE REPORTED MISSED PAYMENT TO XXXX XXXX credit Bureau ( XX/XX/2021 Balance {$190.00} Current balance is paid and current there is no history of late payments this is false please remove
|
| 08/11/2023 |
Yes |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
|
a collection company is harassing me and reporting an account that is not mine on my credit and calling my job repeatedly and filling up my work email with collections messages after i asked them to stop calling me
|
| 04/06/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
I purchased a stereo from XXXX XXXX back in XXXX 2014. I paid for the stereo in full. A month ago a collection company contacts me stating I owe {$3000.00}? I do not owe this company any more money. This is fraud.
|
| 06/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
Investigation has taken more thank 30 Days, I haven't been provided with proof that the debt is valid. Nor have I've been provided with a sign copy of debt proving that I am in fact in-debt to said companies.
|
| 12/16/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
In order to have the debt/collection removed from my credit report, the debt was paid XXXX/XXXX/16. I was informed verbally and in writing that the debt would be removed and as of today it is still present.
|
| 04/21/2017 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
Servicemember |
|
Been getting harrassing calls fr om Monterey Financial Collections ab out a debt I have no idea about. They put it in collections without ever sending me anything in the mail to prove to me I owe anything.
|
| 08/01/2023 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
Monterey Collection Service is continually contacting me regarding a debt that I am actively disputing with XXXX XXXX XXXX. I have notified them that I am disputing the debt but they still contact me.
|
| 12/09/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
Monterey Collection Services has placed a negative mark on my credit report for {$2600.00}. I never received proof of this debt or written notice of right to dispute. I have no knowledge of this debt.
|
| 04/02/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
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.
|
| 01/21/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I KNOW THE CREDIT BUREAUS HAVE NOT DONE AN CORRECT INVESTIGATION INTO THIS COLLECTION ACCOUNT THATS SHOWING ON MY REPORT. THEY SAY IT WAS VERIFIED, WHICH I DOUBT IS TRUE BECAUSE IT'S NOT MY ACCOUNT.
|
| 12/08/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
Servicemember |
|
The agency continue to report I owe XXXX for cosigning on a loan. I never cosigned for anyone and the agency continues to file false information. I have not signed anything to cosign for anyone.
|
| 07/29/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
I talked to someone on the phone named XXXX and was promised that they would remove the debt if the amount of {$340.00} was paid. I paid that amount and it 's still on my credit report.
|
| 08/05/2019 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
XXXX XXXX XXXX call me every day try collect account under my name form XXXX XXXX ( time Share ) Rude person. XXXX dispute w credit bureau because im never sign papers w my SS in XXXX
|
| 02/04/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
There was a XXXX posted for someone else and someone used my information as a co-signer on the XXXX. I was XXXX during the time of this XXXX. It was not me who signed any documents
|
| 05/01/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
An account for monterey financial services appeared on my credit report I have no idea what it is or from I disputed it and they reports it as accurate and it does not belong to me
|
| 09/07/2015 |
Yes |
- Consumer Loan
- Personal line of credit
|
- Account terms and changes
|
|
Web |
|
|
I have an inquiry on my credit that is not mine. I never applied for credit with this company and no proof through my investigations has been provided. Company fails to respond.
|
| 06/12/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
I paid off the balance. They sent me a letter saying I still owed money and was 60 days late. I then paid the amount they say I owed and will still not remove the 60 days late.
|
| 04/10/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I have no knowledge of this account.Monterey debt collector is attempting to collect monies from an account unbeknownst to me which is a violation of my rights as a consumer.
|
| 04/05/2017 |
Yes |
- Debt collection
- Payday loan
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
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.
|
| 10/04/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
we are getting calls and documents in the mail from a collection agency trying to collect for a timeshare that we cancelled ... .we are no longer responsible for this debt.
|
| 07/13/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I see two collections debts that arent mine, i already disputed them at XXXX but i dont know how disputed them at XXXX because i dont have any information of these accounts
|
| 12/22/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Collection company insists that I have a debt from 2007 for an XXXX. Debt is supposedly {$2000.00} and they first started calling me a month ago. I have never had a XXXX.
|
| 09/10/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
XXXX loan was charged interest up front in addition to online payment fees, miscellaneous fees, and fees accrued even though no payment was due and account was prepaid.
|
| 01/09/2023 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
Older American |
|
I keep contacting Montery Financial that I have reopened a chapter XXXX XXXX.
I keep getting bills when I have sent them the court order and they fail to resolve this
|
| 12/06/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Monterey ColXXXX Account # : XXXX High Balance : {$920.00} Date Opened : XXXX/XXXX/XXXX Date Reported : XXXX/XXXX/XXXX Balance : {$960.00} Responsibility : Individual
|
| 06/26/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
XXXX XXXX represents a " time-share '' company which will not honor its agreement. Have tried numerous time to use their services which we are paying for to no avail.
|
| 08/24/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Monterey collection svcs on XX/XX/2022 this is not my account I did not apply for this account the amount shown is XXXX I dont owe this before I never opened account
|
| 12/28/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
company started calling me out of nowhere trying to collect a debt I know nothing about and have now even started to harass me with phone calls several times a day,
|
| 12/08/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
The agency continues to attempt to collect a debt that is not mines. I have not cosigned for any loan and had a fraud alert on my credit for the past two years.
|
| 09/17/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Please see attached identity theft report which states further detail in regard to the fraudulent account published on my credit profile without authorization.
|
| 03/10/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Never receieved a validation notice/statement of paid on the account. False representation, ask the company to stop calling on XX/XX/2018 they kept calling.
|
| 01/04/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Taking out the loan or lease
|
|
Web |
|
|
monterey financial ageed to update the credit bureaus after my last dispute through CFPB. However XXXX is reporting the item as being 60 to 90 days late.
|
| 08/11/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
A collection was added to my credit report that i do not owe, i have had no dealings with the company that the collection company says i owe money too
|
| 07/16/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have contact them told them this was not my debt and I have no knowledge of this debt. My personal information was stolen and I told them that
|
| 11/15/2023 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
They are charging a {$20.00} fee for monthly payments on a debt. I didnt know that they were doing this until I looked up my payment history.
|
| 11/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
I don't know how the company got hold of my account and started decreasing my credit score I learnt a lot of people for victims to them.
|
| 10/28/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I don't recall opening a loan for either XXXX XXXX XXXX or Monterey Lending. I believe it was fraudulently opened when I lost my wallet.
|
| 04/14/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
MONTEREY FINANCIAL XXXX WRONGFUL COLLECTIONS PRACTICES FOR THE PAID IN FULL ACCOUNT WITH FAILURE TO VALIDATE THE ACCOUNT WITH DETAILS
|
| 04/13/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I called the company XXXX. ago & was told that they can't find this debt in my name. Told XXXX this & they still say its mine.
|
| 06/11/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
Servicemember |
|
Thought I was financing {$2.00} XXXX, but later found out that it was a lease and payoff is {$6300.00} for a {$2600.00} puppy
|
| 10/24/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
XX/XX/2018 I sent a dispute letter to the party saying I owe them a debt to provide me proof they have not provided any proof
|
| 11/09/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I am a victim of identity theft and I have sent FTC reports to XXXX, XXXX, AND XXXX, MONTEREY FINANCIAL, and XXXX XXXX XXXX
|
| 10/14/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
They are reporting this on my credit report damaging it, Knowing that I do not owe this!!!!! It was discharged in bankruptcy
|
| 05/04/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I received a collection agency notice today in the amount of {$2200.00}. I have never received any bill and do not owe this.
|
| 12/22/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
The credit bureau is only updating the information and instead of properly investigating, The account is in litigation
|
| 02/03/2017 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I never bought anything from this company it was a frauglant charge.. I never paid it. Because I was never aware of it
|
| 04/20/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
Monterey Collection acct XXXX updated XX/XX/2022 as collection account balance " unpaid '' Account was paid in full
|
| 02/09/2019 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
This company is raising the amount a XXXX and then reporting I paid a XXXX, they have also doubled the amount owed.
|
| 06/12/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
The goods ' terms and delivery were very different, and the availability of the point of possession was way off.
|
| 10/27/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Mailed a letter and ask for Validation of this debt. The company have not responded to me as of today XX/XX/2018
|
| 05/03/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Debt and personal information was reported to credit bureaus and is faulty and misleading and un-authorized
|
| 06/16/2023 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
The company is committing massive fraud for thousands of consumers daily and will not stop
|
| 07/10/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have no knowledge of this account, and have requested documents but never received them.
|
| 06/25/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
A Debt collector has put me responsible for a debt that wasnt made by me or consent by me.
|
| 07/06/2019 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I do not know who this company is and I don't have any unpaid services or products at all
|
| 02/25/2022 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Older American, Servicemember |
|
repeated calls reguarding attemp to collect a debt tried blocking, continue calling,
|
| 12/15/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Not my account never been to Hawaii or asked any company in Hawaii to open a loan
|
| 10/29/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Items being charged for have been returned no additional fees or money owed
|
| 05/29/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I stated to them : Have not received any validation of the debt.
|
| 07/29/2021 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Monterey financial calls me 2-5 times a month
|
| 10/18/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Company denies complaints for Identity theft
|
| 02/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I am an identity theft victim.
|
| 07/06/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
monterey collections not mine
|
| 02/06/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
|
| 02/06/2024 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 02/03/2024 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 02/01/2024 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 02/01/2024 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/26/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
Servicemember |
|
|
| 01/22/2024 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
|
| 01/21/2024 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/20/2024 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 01/18/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 12/20/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
|
| 11/28/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 11/18/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 11/14/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 11/10/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 11/02/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/24/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 10/23/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/23/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
|
|
| 10/21/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 10/18/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/17/2023 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 09/30/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 09/21/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/09/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 09/07/2023 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 09/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 09/01/2023 |
Yes |
- Debt collection
- Rental debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
|
| 08/10/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 08/10/2023 |
Yes |
- Debt collection
- Private student loan debt
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
|
| 08/10/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 08/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/03/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
|
| 07/31/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 07/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 07/22/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 07/20/2023 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 07/19/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 07/05/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 07/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 06/28/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 06/21/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 06/13/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/06/2023 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 05/15/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 05/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 05/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
|
| 05/01/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 04/29/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 04/21/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
|
| 04/17/2023 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
|
| 04/11/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/10/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/08/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/05/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 03/30/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/22/2023 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Told you not to respond to a lawsuit they filed against you
|
|
Web |
|
|
|
| 03/17/2023 |
Yes |
- Debt collection
- Mortgage debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/16/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/09/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 03/09/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem when making payments
|
|
Phone |
|
|
|
| 03/08/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Phone |
|
|
|
| 03/07/2023 |
Yes |
- Debt collection
- Private student loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 03/04/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
|
| 03/04/2023 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 03/03/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 02/28/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/24/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/18/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/15/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 02/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 02/07/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 02/01/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 02/01/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 01/31/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 01/28/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
|
| 01/22/2023 |
Yes |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
|
| 01/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
|
| 01/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 12/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 12/09/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
|
| 12/05/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/01/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Sued you in a state where you do not live or did not sign for the debt
|
|
Web |
Servicemember |
|
|
| 11/30/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 11/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 11/21/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/31/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Phone |
Older American |
|
|
| 10/27/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 10/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 09/23/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 09/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
|
| 09/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 09/06/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 08/26/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
|
| 08/22/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
|
| 08/18/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
|
| 08/10/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 07/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 07/11/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Phone |
|
|
|
| 07/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 06/30/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 06/23/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Phone |
|
|
|
| 06/08/2022 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
|
| 06/08/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 05/23/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/13/2022 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
Older American |
|
|
| 05/06/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
|
|
| 04/30/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 04/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 04/06/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 03/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 03/24/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/14/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/09/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 03/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 02/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 02/20/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 02/19/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
|
|
Web |
|
|
|
| 02/16/2022 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
|
| 02/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 02/08/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem with the payoff process at the end of the loan
|
|
Phone |
Servicemember |
|
|
| 01/28/2022 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 01/27/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 01/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Postal mail |
|
|
|
| 12/13/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Referral |
|
|
|
| 12/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 12/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Phone |
|
|
|
| 12/06/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 12/06/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/02/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
|
| 11/30/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/30/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 11/24/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 11/23/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/17/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/17/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 11/15/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 11/09/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Referral |
|
|
|
| 11/04/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 10/21/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/19/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/19/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 10/17/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/09/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Referral |
|
|
|
| 10/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 09/25/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/18/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/18/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/17/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/15/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/14/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem when making payments
|
|
Phone |
|
|
|
| 09/03/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 08/30/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit repair services
|
- Problem with customer service
|
|
Web |
|
|
|
| 08/30/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/30/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/27/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/17/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 08/16/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
|
| 08/16/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 08/11/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
|
|
|
| 08/11/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 08/10/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 08/08/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
|
| 08/06/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
Older American |
|
|
| 08/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 08/03/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Phone |
Servicemember |
|
|
| 08/01/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 07/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 06/24/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 06/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
|
| 06/20/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/17/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/15/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 06/09/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 05/28/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/27/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 05/25/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/21/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/17/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 05/11/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
|
|
| 05/07/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 05/03/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 04/28/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 04/23/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
|
| 03/18/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 03/16/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/13/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 03/08/2021 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Phone |
|
|
|
| 03/05/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 02/18/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Older American |
|
|
| 02/08/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
|
| 02/05/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
|
| 02/01/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 01/26/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 01/26/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 12/23/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Referral |
|
|
|
| 12/16/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
|
| 12/04/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 12/04/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 12/03/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/18/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/17/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 11/12/2020 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Phone |
|
|
|
| 11/08/2020 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
|
| 11/06/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/06/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 10/27/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 10/25/2020 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 10/21/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 10/19/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 10/13/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 10/05/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Incorrect information on your report
- Account information incorrect
|
|
Phone |
|
|
|
| 10/03/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 10/02/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/24/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 09/21/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Phone |
Servicemember |
|
|
| 09/21/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/08/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/30/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 08/28/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 08/26/2020 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 08/15/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/11/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 07/30/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/29/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/28/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
|
| 07/26/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 07/22/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 07/12/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 07/03/2020 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 06/23/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Fax |
|
|
|
| 06/22/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/03/2020 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 06/02/2020 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 05/26/2020 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
|
| 05/22/2020 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 05/22/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 05/11/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Struggling to pay your loan
|
|
Phone |
|
|
|
| 05/01/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 04/30/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 04/25/2020 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 04/17/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Referral |
|
|
|
| 04/17/2020 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Phone |
|
|
|
| 04/13/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
|
| 04/10/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 04/02/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 03/31/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 03/31/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 03/09/2020 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Phone |
|
|
|
| 03/01/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 02/27/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 02/24/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem with the payoff process at the end of the loan
|
|
Referral |
|
|
|
| 02/10/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 01/30/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/28/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/17/2020 |
Yes |
- Debt collection
- Mortgage debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
|
| 01/17/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 01/03/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 12/27/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Postal mail |
|
|
|
| 12/16/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/11/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
Servicemember |
|
|
| 12/07/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/18/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Phone |
Older American, Servicemember |
|
|
| 11/15/2019 |
Yes |
- Debt collection
- Federal student loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 11/15/2019 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 11/11/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
|
| 10/29/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 10/05/2019 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
Servicemember |
|
|
| 10/04/2019 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Phone |
|
|
|
| 09/27/2019 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem when attempting to purchase vehicle at the end of the lease
|
|
Web |
Older American |
|
|
| 09/19/2019 |
Yes |
- Student loan
- Private student loan
|
- Getting a loan
- Fraudulent loan
|
|
Web |
|
|
|
| 09/10/2019 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
|
| 09/09/2019 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Phone |
Servicemember |
|
|
| 09/02/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/27/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 08/20/2019 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- Called before 8am or after 9pm
|
|
Web |
Servicemember |
|
|
| 08/09/2019 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
|
| 07/25/2019 |
Yes |
- Debt collection
- Private student loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
|
| 07/08/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
Servicemember |
|
|
| 06/28/2019 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Postal mail |
|
|
|
| 06/07/2019 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 06/05/2019 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 05/29/2019 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Postal mail |
|
|
|
| 05/20/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
|
| 05/19/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 05/05/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/02/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 04/14/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/25/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/20/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Postal mail |
|
|
|
| 03/05/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/05/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
Older American |
|
|
| 03/01/2019 |
Yes |
- Debt collection
- Private student loan debt
|
- Communication tactics
- Called before 8am or after 9pm
|
|
Web |
|
|
|
| 02/28/2019 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 02/23/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 02/11/2019 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 02/09/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
|
| 02/06/2019 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 01/30/2019 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 12/14/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 12/13/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/24/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/08/2018 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 11/08/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 11/06/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Phone |
|
|
|
| 10/25/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Phone |
|
|
|
| 10/13/2018 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
|
|
|
| 10/04/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Postal mail |
|
|
|
| 10/02/2018 |
Yes |
- Debt collection
- Mortgage debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Phone |
|
|
|
| 09/20/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 09/17/2018 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 08/24/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Phone |
|
|
|
| 08/14/2018 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Referral |
|
|
|
| 08/03/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
Older American |
|
|
| 08/03/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/02/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Fax |
|
|
|
| 07/11/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 07/09/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/03/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 06/18/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Phone |
|
|
|
| 06/15/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 06/07/2018 |
Yes |
- Debt collection
- Private student loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 06/06/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/05/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 06/01/2018 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
|
|
|
| 05/30/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 05/25/2018 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Can't get other flexible options for repaying your loan
|
|
Referral |
|
|
|
| 05/21/2018 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 05/17/2018 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Phone |
|
|
|
| 05/16/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 05/01/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/11/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 04/11/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Fax |
|
|
|
| 03/28/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
|
| 03/20/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/20/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 03/19/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Fax |
|
|
|
| 03/16/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
|
| 03/07/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 02/26/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 02/13/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 02/13/2018 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 02/10/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/01/2018 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 01/12/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
|
| 12/09/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/27/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/07/2017 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
Servicemember |
|
|
| 11/06/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Referral |
|
|
|
| 10/24/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 10/06/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 09/26/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/22/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/22/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Fax |
|
|
|
| 09/12/2017 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 09/12/2017 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 08/23/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Referral |
|
|
|
| 08/16/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
Servicemember |
|
|
| 08/16/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/08/2017 |
Yes |
- Debt collection
- Federal student loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 08/04/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/04/2017 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Older American, Servicemember |
|
|
| 08/03/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/02/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 07/28/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 07/28/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/26/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Loan payment wasn't credited to your account
|
|
Phone |
|
|
|
| 07/26/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/20/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/13/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/11/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/04/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 06/20/2017 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 06/14/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
|
| 06/12/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
|
| 06/07/2017 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 06/05/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
Servicemember |
|
|
| 05/22/2017 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 05/01/2017 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
|
| 04/21/2017 |
Yes |
- Consumer Loan
- Installment loan
|
- Taking out the loan or lease
|
|
Web |
Servicemember |
|
|
| 04/19/2017 |
Yes |
|
- Incorrect information on credit report
- Information is not mine
|
|
Web |
|
|
|
| 04/19/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 04/18/2017 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
|
| 04/13/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
Servicemember |
|
|
| 04/12/2017 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 04/05/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 03/21/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 03/20/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Phone |
|
|
|
| 03/15/2017 |
Yes |
|
- Application, originator, mortgage broker
|
|
Postal mail |
|
|
|
| 03/10/2017 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 03/08/2017 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 02/24/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 02/17/2017 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 02/09/2017 |
Yes |
|
- Received a loan I didn't apply for
|
|
Web |
|
|
|
| 02/07/2017 |
Yes |
|
- Incorrect information on credit report
- Account status
|
|
Web |
|
|
|
| 02/06/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Phone |
|
|
|
| 02/02/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Postal mail |
|
|
|
| 01/14/2017 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 01/14/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
|
| 12/13/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 12/13/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Postal mail |
|
|
|
| 11/26/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 11/03/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Postal mail |
Older American |
|
|
| 10/12/2016 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
|
|
|
| 10/11/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Postal mail |
|
|
|
| 10/11/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Postal mail |
|
|
|
| 10/07/2016 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 09/27/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
Older American, Servicemember |
|
|
| 09/15/2016 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 09/14/2016 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 09/14/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 09/13/2016 |
Yes |
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 09/13/2016 |
Yes |
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 09/10/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 09/06/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Postal mail |
|
|
|
| 09/06/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Called after sent written cease of comm
|
|
Web |
|
|
|
| 08/30/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 08/25/2016 |
Yes |
- Debt collection
- Federal student loan
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Phone |
Older American |
|
|
| 08/18/2016 |
Yes |
- Other financial service
- Debt settlement
|
|
|
Phone |
Servicemember |
|
|
| 08/18/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 07/20/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 07/12/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
|
|
|
| 06/27/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 06/22/2016 |
Yes |
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Phone |
|
|
|
| 06/07/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 06/06/2016 |
Yes |
- Consumer Loan
- Personal line of credit
|
- Problems when you are unable to pay
|
|
Phone |
|
|
|
| 05/23/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 05/19/2016 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 05/16/2016 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Postal mail |
|
|
|
| 05/11/2016 |
Yes |
|
- Taking/threatening an illegal action
- Sued w/o proper notification of suit
|
|
Postal mail |
|
|
|
| 05/06/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
|
|
| 05/05/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 05/05/2016 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 04/30/2016 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 04/26/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 04/25/2016 |
Yes |
- Consumer Loan
- Personal line of credit
|
- Managing the line of credit
|
|
Phone |
|
|
|
| 04/19/2016 |
Yes |
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 04/15/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 04/12/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Taking out the loan or lease
|
|
Web |
|
|
|
| 04/06/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 04/05/2016 |
Yes |
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
|
|
|
| 03/22/2016 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
|
|
|
| 03/02/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Fax |
|
|
|
| 02/14/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
Servicemember |
|
|
| 01/28/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
Older American, Servicemember |
|
|
| 01/05/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 12/16/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 12/08/2015 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 11/30/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Postal mail |
Older American |
|
|
| 10/16/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Postal mail |
|
|
|
| 10/16/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Postal mail |
|
|
|
| 09/18/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
|
| 09/14/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Phone |
Older American |
|
|
| 09/12/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 09/11/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 09/11/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 08/27/2015 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 08/22/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 08/12/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 08/06/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Taking out the loan or lease
|
|
Referral |
|
|
|
| 08/03/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 08/03/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Taking out the loan or lease
|
|
Web |
|
|
|
| 07/16/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Phone |
|
|
|
| 07/10/2015 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 07/10/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 07/07/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
Older American |
|
|
| 06/30/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 06/10/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
|
|
|
| 04/28/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Fax |
|
|
|
| 04/24/2015 |
Yes |
- Consumer Loan
- Personal line of credit
|
- Managing the line of credit
|
|
Phone |
|
|
|
| 04/09/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 03/11/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Used obscene/profane/abusive language
|
|
Phone |
|
|
|
| 03/02/2015 |
Yes |
- Bank account or service
- Other bank product/service
|
- Making/receiving payments, sending money
|
|
Phone |
|
|
|
| 02/26/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
|
| 02/23/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Called after sent written cease of comm
|
|
Web |
Older American |
|
|
| 02/23/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
|
| 02/12/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
|
|
|
| 01/21/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 01/20/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 01/19/2015 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 01/09/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 12/25/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
Older American |
|
|
| 12/23/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 12/16/2014 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
Older American |
|
|
| 12/12/2014 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Referral |
|
|
|
| 12/02/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Indicated committed crime not paying
|
|
Web |
|
|
|
| 12/02/2014 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Postal mail |
|
|
|
| 11/28/2014 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
|
|
| 11/25/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 11/18/2014 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Phone |
|
|
|
| 11/17/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 11/13/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
Older American, Servicemember |
|
|
| 10/30/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
|
| 10/29/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
Servicemember |
|
|
| 10/24/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Phone |
|
|
|
| 10/23/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 10/10/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Called outside of 8am-9pm
|
|
Web |
|
|
|
| 10/09/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 10/08/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
|
| 10/04/2014 |
Yes |
- Consumer Loan
- Installment loan
|
- Taking out the loan or lease
|
|
Web |
Servicemember |
|
|
| 10/01/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Referral |
Older American |
|
|
| 09/30/2014 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 09/27/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 08/26/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
|
| 08/26/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American, Servicemember |
|
|
| 08/13/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Called after sent written cease of comm
|
|
Web |
|
|
|
| 08/12/2014 |
Yes |
- Consumer Loan
- Installment loan
|
- Taking out the loan or lease
|
|
Referral |
|
|
|
| 08/11/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 08/06/2014 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Settlement process and costs
|
|
Phone |
|
|
|
| 08/05/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 07/22/2014 |
Yes |
- Debt collection
- Non-federal student loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
|
| 07/11/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 07/01/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
|
| 06/20/2014 |
Yes |
- Consumer Loan
- Installment loan
|
- Shopping for a loan or lease
|
|
Web |
|
|
|
| 06/15/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 06/14/2014 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 05/27/2014 |
Yes |
|
- Application, originator, mortgage broker
|
|
Web |
|
|
|
| 04/28/2014 |
Yes |
|
- Incorrect information on credit report
- Information is not mine
|
|
Postal mail |
|
|
|
| 04/23/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Referral |
|
|
|
| 04/21/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Postal mail |
|
|
|
| 04/08/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 03/27/2014 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not disclosed as an attempt to collect
|
|
Web |
|
|
|
| 03/19/2014 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Fax |
|
|
|
| 03/10/2014 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 03/10/2014 |
Yes |
- Debt collection
- I do not know
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Fax |
|
|
|
| 02/28/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
|
| 02/24/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not disclosed as an attempt to collect
|
|
Web |
|
|
|