Consumer complaint received 2025-05-08 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Monterey Financial Services LLC
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally file a complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX regarding repeated incidents of unprofessional, harassing, and unethical behavior I have experienced while attempting to resolve a financial matter. 

In XX/XX/year>, I encountered extremely aggressive and inappropriate conduct from representatives of this company. I was yelled at, threatened, and contacted at phone numbers and locations I never provided, which I believe constitutes a serious violation of fair debt collection practices. 

After filing complaints with both the XXXX XXXX XXXX XXXX XXXX  ) and the Consumer Financial Protection Bureau ( CFPB ), the tone of communication temporarily improved. I was able to set up a payment plan, and I specifically requested to work with a single representative. This was granted for only one transaction, after which I was denied continued contact with that person and forced to interact with other staff members who continued to display rude, hostile, and demeaning behavior. 

Most recently, after unintentionally missing a payment, I received a threatening voicemail from XXXX XXXX XXXX XXXX XXXX XXXX stating : You need to call me back now. Her tone, and the tone of all voicemails from XXXX XXXX, has been aggressive, demanding, and clearly intended to intimidate. 

When I returned her call, I explained I would be making a double payment that month, which she acknowledged. Despite this, I was contacted by XXXX XXXX, who threatened to report me to the client if payment wasnt made. I reminded him that I had already made arrangements and that threats were unwarranted. He responded by accusing me of playing the victim, which is entirely unacceptable and unprofessional. 

Additionally, I filed a formal complaint with XXXX XXXX XXXX XXXX XXXX resolution team in an attempt to address this issue, but rather than resolve the situation, they forwarded my complaint back to XXXX XXXX. His response was even more hostile, as he proceeded to yell at me again, threatened me, and yelled at me via phone, which later turned to email. During one of these conversations, he placed me on speakerphone so the entire office could hear our argument. He called me crazy on the phone and even went as far as to claim that I was not mentally okay. As if that wasnt enough, he immediately canceled my contract with no prior warning and falsely stated that I was not making payments. 

Let me be absolutely clear : I will no longer work with XXXX XXXX XXXX XXXX XXXX. I have made every reasonable effort to cooperate and resolve this issue, but I will not tolerate being disrespected, harassed, or manipulated further. Additionally, I strongly urge XXXX XXXX XXXX XXXX XXXXXXXX original creditorto reassign my account to a different collections agency or to contact me directly, as this company 's behavior does not reflect the values or professionalism I associate with XXXX XXXX. 

This matter concerns a {$1000.00} debt, and while I have made good-faith efforts to resolve it, I will not continue subjecting myself to this kind of treatment, especially during a time of financial hardship. 

I have filed previous complaints with both the XXXX  and CFPB and received no resolution. Therefore, please be advised that this complaint serves as the first step toward formally filing with the Florida courts to document and pursue action regarding the harassment and mishandling of this case.

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