Consumer complaint received 2025-01-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Monterey Financial Services LLC
State: TX

Complaint narrative:
Monterey Financial Services LLC is a debt collection company. They were wrongfully sent information from a previous company I dealt with, XXXX XXXX XXXX ( based in XXXX XXXXXXXX XXXX XXXX This information was wrongfully and illegally sent because I filed for bankruptcy back in XXXX and my debts ( including XXXX XXXX listed ) have since been XXXX ). XXXX XXXX XXXX reached out to me last year ( XXXX ) and was provided this information and also informed that it was illegal to reach out to me to attempt to collect a debt that his been filed under bankruptcy and discharged. They were provided this legal information in writing, including the discharge letter. They indicated that this was all they needed and they would successfully close my account. Well they lied and sent financial information over to Monterey Financial ( the company I am complaining against now ) and Monterey Financial now says that they are a debt collection agency and was sent over a balance from XXXX XXXX ( which again was discharged in a bankruptcy back in XXXX ). Now I am having to unnecessarily explain myself all over again to Monterey Financial and send them in documentation that I already did for previous company. Not to mention, the customer service rep that I spoke with the first time, XXXX, was rude, disrespectful, and hung up in my face. Once I begin to tell her that I filed bankruptcy for my debts, she became ill and short-tempered, would not listen to me and very rude. I asked for her manager/supervisor, in which she responded she did not have one. She hung up after talking over me and not letting me explain my situation even when she knew the line was being recorded. She did not express any care at all and very incompetent and ill representation of the company. I had to call back and speak with another rep who exercised more patience with me, but mentioned that XXXX was managing my case, in which I expressed my disgust ( as I did early on in the call with her ) and preferred to not be contacted by this rep if I did not have to be as she had a chance with me and blew her first impression immediately. The least she could have done was listen. I am the client/customer after all and her job was to be the professional. However, I had no professionalism on that call other than knowing that it was being recorded and she acted like she did not care about me or her job. But back to this matter at hand, Monterey Financial should NEVER been told to reach out to me as I provided necessary documentation to previous company, however my bankruptcy discharge is public record so it should have NEVER been an issue that I have a debt owed ( so many years after discharge in XXXX ). Now Monterey Financial is attempting to intimidate, harass, and threaten me with debt collection and I provided them with the bankruptcy email and discharge information that I sent previous company XXXX XXXX XXXX whom sent my information over to collections for reasons unbeknownst to me since I spoke with the financial manger there and he said everything was all good after I personally provided him with my bankruptcy discharge information that he could have easily obtained via public record database ). I need Monterey Financial and XXXX XXXX to communicate these FACTS with each other and stop harassing me and leave me alone! I have since contacted the bankruptcy attorney 's office about these violating attempts of them to collect a debt that was legally filed and discharged in a bankruptcy back in XXXX!

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