Consumer complaint received 2025-07-07 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Monterey Financial Services LLC
State: AZ

Complaint narrative:
Monterey Financial representative XXXX XXXX reached out to me to get a debt collected for from the client they represent called XXXX XXXX on XX/XX/year>. It is some kind of timeshare/ travel /entertainment services. This company believes I am the debtor for this bill which is in the amount of {$5900.00}. They have the wrong person. They think because whomever this person is lives in the same state as me has the the same name as me or has used my identifications that it is me and are trying to hustle me into paying this debt without showing proper proof. When I have asked for cc proof, email proof, zoom proof, pictures or videos I am denied. This the company states all of that info is for internal use to them and they are not obligated to show me any of it. They also expect me to just pay the bill even though they have marked it disputed. I have repeatedly asked for proof and been denied. They have caused damage to my credit score because they have listed me as the debtor in non payment of a debt. What has happened as a result of this measure they took is that my credit score dropped. My credit was comprised. The rating went down and I was negatively impacted as a result of their poor reporting. On XXXX of my credit cards that I use for food and gas has significantly lowered my limits. These bills are paid on time and I have not been delinquent but now they think I am a bad risk. This also affecting my credit score in showing a loss. As a result of this XXXX number and the credit bureau lowering their scores on me, My Auto insurance raised forcing me to switch companies, when I complained about that I was informed statistically people who do not pay their bills have a worse driving record. My rent increased, the day I went into to sign my new lease they had gotten a red flag and called me in the office and the original quote I was told went up {$100.00} dollars because of the negative mark on my credit score listed as someone who did not pay this debt. This impacted me as a result I had no choice but to pay the increase I was already set to stay here for the year. My utilities increased as they said because I was a debt risk I have to put an additional amount down for a deposit. I went from just paying normal bills monthly to know I am a risk and I had to drop a deposite down in an account for good measure. My insurance for the apartment was more expensive because I was listed as a debtor that did not pay. This was told me me because most people who do not pay bills file false insurance claims and statistically are a risk to the companies that provide insurance to renters. Mind you this is the only offense on my credit report that has a negative view. I have a great track record with all my debtors. I clearly pay all my bills on time everytime monthly and regularly. you can see that on my credit report. Now before anyone says companies do not do this, they did and indeed have fined me, raised my rates, my deposits and listed me as a risk! I feel like all of these things mentioned that I have experienced along with how I was just expected to pay the bill to Monterey Financial with no questions asked in it's ambiguity has damaged my credit, ruined my credibility compromised sustained credits that I have worked hard for in those relationships with those companies and created money issues where I have had none! I have reached out to the company they represent XXXX XXXX and they have no record of any conversations with me other than my refusal to want to buy something from them. Now I get calls from them wanting to know if I want a membership to some resort lifestyle. I was harrassed by XXXX people on XXXX that I had to block and I feel like they were given my info and took it upon themselves to get some money. This is completely unprofessional and I have been nice and polite throughout the whole experience. I am finished being kind. My rights have clearly been violated.

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