Consumer complaint received 2020-07-03
Company: Monterey Financial Services LLC
State: ME
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
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.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief