Consumer complaint received 2022-03-23
Company: Monterey Financial Services LLC
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
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.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation