Consumer complaint received 2025-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC
State: NY

Complaint narrative:
The company emailed me multiple suspect emails, as below - I havne't been involved in any such applciation Fri, XX/XX/XXXX, XXXX Monterey Financial Services , LLC has received a request from XXXX XXXX XXXX XXXX XXXX XXXX credit application for ******. As such, we have facilitated an inquiry to XXXX on XXXX XXXX XXXX 's behalf. If you feel this was not agreed upon, or done so in error, please advise Monterey Financial Services, LLC right away, our toll free number is XXXX or via email XXXX. 

The below application disclosures were presented to you by XXXX XXXX XXXX when application information was gathered, we are providing a copy of those disclosures for your record. 

Application Disclosures : To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you : When you open an account, we will ask for your name, address, date of birth and other information that will allow us to identify you. We may also ask to see your driver 's license or other identifying documents.

You hereby acknowledge that you are over the age of XXXX ( XXXX ) years, and that all of the information set forth in the credit statement is true, accurate, full and complete disclosure thereof. You are providing verbal consent under the Fair Credit Reporting Act for us and our affiliates, agents, successors, assigns and service providers with whom you are matched to obtain a consumer credit report from a contracted credit bureau. You understand that you are submitting an application for credit, and are consenting to the use of your credit report information. You authorize the holder of this application to verify all data contained in said application, using validation services thru third party vendors. By providing your email address, you consent to receive electronic information. You also acknowledge that we and our partners may use all contact information provided to contact you regarding your application. You acknowledge that we and our affiliates, agents, successors, assigns and service providers may monitor or record all calls to and from their office. You agree that we and our affiliates, agents, successors, assigns and service providers may use any email address or telephone number you provide, now or in the future, including a number for a cellular phone or other wireless device, regardless of whether you incur charges as a result.

NOTICE TO CALIFORNIA CUSTOMERS : A married applicant may apply for a separate account.

NOTICE TO OHIO CUSTOMERS : The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio civil rights commission administers compliance with this law.

NOTICE TO NEW YORK CUSTOMERS : In connection with your application for credit, a consumer report may be obtained which contains information on your credit worthiness, credit standing, credit capacity and general reputation. If you request, you will be informed whether a consumer report was obtained and if so, you will be given the name and address of the consumer reporting agency which furnished the report. If your application is granted, subsequent consumer reports may be obtained in connection with any update, extension or renewal of credit.

NOTICE TO RHODE ISLAND CUSTOMERS : Consumer reports may be requested in connection with this application.

NOTICE TO VERMONT CUSTOMERS : If an account is created, I authorize the obtaining of credit reports for purposes of reviewing or taking collection action on the account or for other legitimate purposes associated with the account.

NOTICE TO WISCONSIN CUSTOMERS : The interest of the creditor will not be adversely affected by a provision of a marital property agreement, a unilateral statement under Wisconsin Statutes 766.59 or a court decree under Wisconsin Statutes 766.70, unless you furnish a copy of such agreement, statement or decree to the creditor, or the creditor has actual knowledge of such provision before credit is granted. 


Fri, XX/XX/XXXX, XXXX Congratulations on your decision to purchase with XXXX XXXX XXXX XXXX We are excited to offer you the ability to electronically sign your financing agreement. The process to execute your agreement is quite simple and will only take a couple minutes. The following confirmation code will be needed : XXXX. Please click on This XXXX and complete the required steps. 

If at any time you require assistance with this process, please feel free to let us know, we can be reached via email XXXX or by phone ( XXXX ) XXXX. 

Welcome to the XXXX XXXX XXXX family! 

Monterey Financial Services, LLC XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Toll Free from XXXX : XXXX Monterey Financial Services | Monterey Loan Servicing | Monterey Collections Thursday, XX/XX/XXXX, XXXX XX/XX/year> XXXX XXXX FM XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX has assigned your account to Monterey Financial Services , LLC . As authorized, we have set up your account for debits of {$200.00} from a credit card ending in XXXX each month on your due date. If you have any recent changes, or anticipate any changes with this banking relationships please give us as much advance notice as possible. If you would like to make additional payments, you can do so thru our website or you can mail in payments to the following address please ensure to include your account number. 



Monterey Financial Services, LLC. 

po box XXXX XXXX, CA XXXX The following is a statement of your account. If you have any questions, or feel the below information does not accurately reflect the status of your account, please give us a call. 



New Account Number : XXXX Balance : XXXX Late Charges : XXXX Monthly Payment : XXXX Next Payment Due : XX/XX/year> Amount Currently Due : XXXX Interest Free Repayment Amount : XXXX Interest Free Repayment Option Expiration Date : XX/XX/year> Per the terms of your agreement, your account XXXX qualify for an Interest Free Repayment Option if paid in full by the expiration date and all payments are paid on time and no payments are returned to our office for any reason. To take advantage of this offer, and avoid paying interest charges, simply remit the XXXX XXXX Repayment amount above, prior to the expiration date provided. 



Regards, XXXX XXXX Customer Service Department If at any time this account falls past due, you will be expected to make payment pursuant to your contractual liability in order to bring the account current. As required by law, you are hereby notified that a negative credit report reflecting on your credit record XXXX be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations.We highly recommend you visit our website https : //consumerportal.montereyfinancial.com to review the status of this account from time to time as delayed payments could impact your credit history. Our website also allows you to make a payment, sign up for automatic payments, receive payoff quotes or to review our optional Debt Protection Program. Our privacy policy is also available for your review at XXXX XXXX XXXXmontereyfinancialXXXX 



Please note that if we dont receive notice from you within thirty ( 30 ) days of receipt of this notification that you are contesting the validity of this debt, or any portion of it, we will assume that the debt is valid. If you provide notice to us that you do not believe the debt is valid, or any portion of it, within the same period described above, we will send you verification of the debt or judgment. Also, if you send us a written request within the same period, we will provide you with the name and address of the original creditor, if different than the current creditor. Any communications concerning disputed debts, including an instrument tendered in full satisfaction of a debt, must be sent to Monterey Financial Services, LLC, XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, California XXXX. All calls to and from this office XXXX be monitored or recorded.

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