Consumer complaint received 2026-06-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Monterey Financial Services LLC
State: AL

Complaint narrative:
To Whom It May Concern, I am writing to formally file a complaint regarding repeated unprofessional, disrespectful, and potentially improper handling of my account interactions with Monterey Financial representatives. Over multiple phone calls, I have experienced a consistent pattern of conduct that is unacceptable in a consumer financial services environment, including but not limited to : 1. Repeated Call Disconnections During Assistance or Transfer Attempts On several occasions, I have been advised that my call is being transferred to a supervisor, manager, or appropriate department. However, instead of being properly transferred, the call has been disconnected entirely. This has occurred more than once, forming a clear pattern rather than an isolated technical issue. 2. Failure to Provide Professional and Respectful Communication During interactions, I have been spoken to in a tone that I find dismissive, unprofessional, and disrespectful. As a consumer, I expect courteous and professional communication at all times, regardless of account status or dispute. 3. Failure to Properly Document Account Disputes and Payment-Related Discussions When attempting to address concerns regarding payment timing, account status, or potential missed or failed payments, I do not believe my concerns have been accurately documented or properly reflected in the account notes. This raises serious concerns regarding the integrity and accuracy of account recordkeeping. 4. Pattern of Avoidance and Lack of Resolution The repeated nature of these disconnected calls and lack of follow-through prevents meaningful resolution of my concerns and creates the appearance of avoidance when escalation or clarification is requested. Based on the above, I am formally requesting the following actions : * A full internal review of all recorded calls associated with my account. * Preservation of all call recordings, notes, and digital communication logs. * Identification of all representatives involved in the above-referenced interactions. * Written confirmation that my account notes accurately reflect all disputes, concerns, and payment discussions raised during my calls. * An explanation of why calls are being disconnected during transfer attempts. * Confirmation of corrective action taken to prevent further occurrences of this conduct. * Escalation of this complaint to a supervisory level or executive customer relations department. Please be advised that I am documenting each interaction moving forward, including dates, times, and call outcomes. If this pattern continues, I am prepared to escalate this matter to external regulatory agencies, including the Consumer Financial Protection Bureau ( CFPB ) and other applicable consumer protection authorities for review under the Fair Debt Collection Practices Act ( FDCPA ), as applicable. I expect a written response addressing each point outlined in this complaint.

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