Consumer complaint received 2026-06-11 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: GA

Complaint narrative:
I am filing a complaint regarding an alleged debt being collected by Monterey Financial Services, LLC CA : LICENSE # XXXX on behalf of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was recently contacted by Monterey Financial Services LLC , back on XXXX XXXX, via email, regarding a debt of estimate of {$2000.00} that is allegedly related to a purchase made in XXXX. I do not recall making this purchase and have no recollection of entering into an Contracted Agreement that would result in the balance being claimed, 7 years ago. Today, XX/XX/XXXX ; I noticed that Monterey Financial Services, LLC was listed on my Credit Bureau report with XXXX & may be on XXXX for an unpaid debt. As of today, Monterey Financial Service LLC, is not listed on my XXXX Credit Bureau report. Today, XX/XX/XXXX, I called ph # XXXX Monterey Financial Services LLC, I spoke with XXXX XXXX, she did advised me that I owe an estimate of XXXX ( not sure of the actual amount ) due to signing a contract agreement with XXXX XXXX. I'm not sure what exactly I agreed to purchase. XXXX XXXX, just blurted serveral times, I owe the money and signed that contract. I was really confused, due to not knowing what I bought and I tried explaining to XXXX, that I was a victim of high Sales Pressure Tactics and don't remember agreeing to this contract. XXXX XXXX, with Monterey Financial Services LLC, begin accusing me in a hostile tone that I signed the contract agreement. I asked, XXXX XXXX, was she present at the time of signing, XXXX answered no, but continued those accustory statements then talking over me after I tried explaining I had been harrased by a Sales Assoc with XXXX-XXXX but XXXX remember the details. I remembered get countless phone calls from XXXX beginning of XXXX. While reviewing this information, I became concerned that I may have been misled regarding the nature of the transaction. I recall receiving what appeared to be a preprinted vacation or promotional document, but I do not recall knowingly agreeing to incur a debt of approximately {$2000.00} or entering into a financing agreement. I haven't as of today, received contract agreement signed by myself from Monterey Financial Services LLC, as of now. Because this transaction supposedly occurred in XXXX, my recollection is limited, and I am requesting a complete investigation into the circumstances surrounding the alleged agreement. After researching XXXX XXXX, looks as though this is a XXXX XXXX plan. However, XXXX XXXX was misleading along with High Pressure Sales Tactics. This is what I experienced back in XXXX along with phone harassing coversations pushing for me to purchase. We're in XXXX, and this XXXX XXXX c/o Monterery Financial Services LLC sitting on my Credit Bureau profile . CFPB, this is very concerning and I wish to have XXXX XXXX XXXX Monterey Financial Services LLC removed from my XXXX XXXX XXXX Credit Bureau Profile indefinetly with a XXXX Balance never to resurface and unable to sale the debt. XXXX XXXX, has caused me mental anguish by using her hostile tone accusing me of signing that contract, making unprofessional threats regarding me oweing for something I have not true recollection. I feel like I been a victim of high pressure sales tactics without knowing how to prove it. XXXX XXXX has a internet documented history of customers complaint with XXXX, XXXX for similar allegations such as my own I did request while speaking to XXXX XXXX, on a recorded line, copies of all documents, recordings, disclosures, receipts, financing agreements, and records related to the transaction. I also request a detailed accounting of how the current balance was calculated. As of now, I haven't received any of the documents from Monterey Financial Services LLC. I am not admitting liability for this debt and am seeking verification that any agreement was entered into knowingly and with full disclosure of the terms and obligations, yet I would like CFPB take into consideration that I was misled with the information given. I am concerned that I am being held responsible for a debt that I do not recognize and for charges that have significantly increased the alleged balance. I am requesting that the CFPB investigate this matter and assist in obtaining complete documentation supporting the debt, including how the current balance was calculated and the collectors authority to collect it. I am not admitting liability for this debt. I am requesting validation of the debt and a thorough review of the collection practices being used in this matter. I respectfully request that Monterey Financial Services LLC, Collections provide complete documentation substantiating the debt and cease any inaccurate reporting due to statues of limitation and or inaccurate information. Thank you for your assistance.

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