Consumer complaint received 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Monterey Financial Services LLC
State: OH

Complaint narrative:
I am being charged for items I didnt receive under the agreement I signed for. The account is now in collections after multiple attempts by me to get an new lease agreement with Monterey Financial but Monterey Financial failed to provide me with an updated proper lease agreement for the items instead it shows different items and prices than what I agreed to. I made multiple attempts to return the items. Monterey Financial told me to contact XXXX  to return the items but then XXXX said that I needed to contact Monterey Financial & that XXXX couldnt do anything for me as the issue is with Monterey Financial. I am not legally responsible for the items as the items I agreed upon is not what I actually signed and agreed to as the contract has been voided due to error in factual information of the agreed upon open endlease because I did not receive the proper original lease agreement items. I have submitted the receipt to Monterey Financial but Monterey Financial is claiming that the documents I sent could not be opened. This very predatory and its a tactic that should not be allowed as this company expects me to pay for something I did not receive and agreed upon. Under FRCA The Fair Credit Reporting Act a fair investigation has to be done but Monterey Financial violated my rights under The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., to a fair investigation after I have brought to their attention that there is a billing error & I did not receive the proper items as I agreed upon as Monterey Financial are only trying to collect as much money as possible. I even tried to make payment to Monterey Financial of {$600.00} on XX/XX/year> because I assumed that Monterey Financial would send me an updated lease agreement with the items I agreed to but their site would not accept my payment which I immediately made Monterey Financial aware of the situation. I sent a video of the error to Monterey Financial about the issue of their website they did nothing and the 30 day buy guarantee price had expired so I went from owing {$600.00} for the original items I agreed upon but didnt receive to over {$1800.00}. That is a very predatory tactic to scam customers which is unacceptable. I tried to have Monterey Financial accept a {$610.00} payment before it even went to collections but Monterey Financial failed to accept the payment by saying that the 30 day guarantee is over with but it was not paid because two issues thats were on their end. The website would not accept my payment & their is contract errors ( billing ) with the items I was supposed to receive and pay for. I am not legally responsible for the items that Monterey Financial put in collections as I did not agree to the items nor are there any legal documentation with my signature agreeing to a lease with the items I actually received & tried to return.

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