Citifinancial

Revdex.com:I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below I have provided Monterey Collections with the documentation and to date have not heard anything nor has my credit been restoredI provided the EOB from [redacted] from August 7, Patient responsibility is $ Further information was requested by the insurance company and was never providedI did not receive a check for this serviceRegards, [redacted]

In response to the complaint received: Monterey is the billing agency of record for [redacted] Records show multiple attempts were made by [redacted] to contact [redacted] regarding his signed lease agreement [redacted] currently holds his lease agreementMonterey Financial representatives have encouraged Mr [redacted] to contact [redacted] directly at [redacted] to resolve his concernsMonterey Financial is a third-party billing agency which works on behalf of financial companies and customers to manage billing and paymentsContractual disputes are directed to the company and the customer holder directly Sincerely [redacted] of Finance and Quality Assurance

In response to the complaint received: [redacted] did purchase a dog in November of as he points out in the complaintHe exercised his buyout option of the lease he had entered into, and the account has been closed as paid since March of The account has also been reported accordingly as a paid account as of that dateIf [redacted] ***'s credit report is still reflecting an open balance, Monterey Financial would need to know which bureau is still reporting, and can communicate/correct that information as necessary once we have some further detailsAs stated, the account has been reported by Monterey as paid since March I urge [redacted] to contact a Monterey representative toll-free at [redacted] to discuss the necessary detailsSincerely, [redacted] Senior Manager of Finance & Quality AssuranceMonterey Financial Services, LLC

In response to the complaint received: Just Military Loans sent an unpaid balance of Mr [redacted] to Monterey Collection Services on February 2, This unpaid balance is derived from a loan that MrMelhuish opened on July 5, (contract attached) which was e-signedMonterey Collection Services only has record of one account placed for collection, not two as he claims in this complaintMonterey Collections has received no correspondence, or contact from MrMelhuish for the account that is currently in the Monterey systemAs Monterey has received no contact whether it be written or verbal, there was no notification of any disputeHowever, upon receipt of this complaint, Monterey has noted the dispute accordinglyMrMelhuish claims to have copies of correspondence and credit reports to substantiate his claimsI urge MrMelhuish to contact our office toll free at 877-775-to discuss this matter with any representative of Monterey so that we may research the matter with the necessary documents accordingly Sincerely, [redacted] Senior Manager of Finance & Quality Assurance Monterey Financial Services, LLC

In response to the complaint received: Ms [redacted] entered into a contract for the purchase of a vacuum on August 18, (copy of contract attached)Ms [redacted] defaulted on the repayment terms of the contract after making only one of the scheduled paymentsOn February 9, 2017, this defaulted contract was placed with Monterey Collections as a result of Ms [redacted] ’s defaultThe required notifications were sent to Ms [redacted] at that timeMs [redacted] sent a fax to Monterey on May 11, outlining her dispute and refusal to payOn this date, Monterey immediately noted her account as disputed and ceased collection activity accordinglyAs evidenced by the attached contract, this is a valid, defaulted contract that is due immediately and will continue to report as an open disputed collection item accordinglyI urge Ms [redacted] to contact our office toll free at 877-775-to make the necessary arrangements to satisfy her obligation to this defaulted contract Sincerely, [redacted] Senior Manager of Finance & Quality Assurance Monterey Financial Services, LLC

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear belowAs I stated before, this company has no signed or verbal contract with meThey have no right to have any derogatory remarks on my credit reportsThis is in violation of my rights Regards, [redacted] [redacted]

In response to the complaint received:Ms [redacted] financed furniture through FlexPay as she outlines in her complaintThis contract was assigned to Monterey Financial Services, LLC to act as a third-party servicing agentIn February, Monterey attempted to draft an authorized amount from Ms***’s account, and was notified by her bank that there were insufficient funds to cover the authorized amountI apologize for anu miscommunication between Ms [redacted] and any representative of MontereyMs [redacted] was contacted by the Loan Servicing Supervisor this morning at 11:57am PST, and has resolved Ms***’s concerns while setting up payment arrangements to satisfy her loanShould she have any additional questions or concerns, she may reach our Loan Servicing Department toll-free at 877-775-Sincerely, [redacted] ***Senior Manager of Finance & Quality AssuranceMonterey Financial Services, LLC

In response to the rejection received: I've attached a copy of the call recording, which outlines the authorization given by [redacted] on 12-5, for payments to be drafted on 12-and 12-to resolve the Montoya's delinquent account statusThese dates and amounts were authorized, and reiterated in the phone call occurring on 12-5-at 3:38pmAgain, all payments drafted by Monterey Financial Services, LLC have been authorized by either [redacted] As stated in the initial response, the automatic draft has been cancelled, and the account is up to date with the next scheduled payment coming due on 1-20-Sincerely [redacted] ***Senior Manager of Finance and Quality AssuranceMonterey Financial Services, LLC

As previously stated, item in the attached Membership Purchase and Security Agreement ad**esses cancellation and specifically states that the member may cancel the agreement within five days following the execution of the agreement by returning all received related documentation to the Member Service Representative at the Residence Club and sending written notification by certified mail, return receipt requested to [redacted] *** [redacted] have not provided proof that they followed the terms of the cancellation policy as they do not have any proof that [redacted] received and acknowledged the cancellation request An email sent to the client is not sufficient proof of cancellation per the terms of the Membership Purchase and Security Agreement Since [redacted] do not have valid proof that the account was cancelled per the contract terms, the account will continue to report as a disputed open collection account We may be able to offer to settle the balance at a discounted rate, however [redacted] will need to contact us since they sent us a cease and desist notice I strongly encourage [redacted] to contact our office to resolve the defaulted balance Sincerely, [redacted] Collections Manager

Revdex.com:I have reviewed the response made by the business in reference to complaint ID [redacted] and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below I am rejecting their response I purchased a Maltese from [redacted] and was under the impression when I signed the contract that it was for the purchase price of $plus interest for months [redacted] the person selling me the Maltese told me that I was approved for $5, [redacted] then said, “I could buy a few more dogs.” I told her to just finance me for the Maltese After being there for over hours, there were all kinds of confusion with getting the sale to go through my email addressThey were having a hard time sending me information So, we did it over the phone and the papers were faxed to the storeBy this time my patience was exhausted so that when they started putting papers in front of me; I initialed them and never did anyone ever told me I was financing for 5K or that I was leasing this Maltese Again, I have a bill of sale that says, “SOLD PRICE $1, The entire transaction was very misleading and lacked transparency I don’t know why I wasn’t given a copy of the contract when I left the store If I had the contract I would have had time to look it over more clearly when I got home I would have gone back with either with the Maltese or would have insisted upon them honoring what they had told me about the month payment plan Next Point – I have more paperwork that shows me that this dog’s pedigree is supposed to be a pure breed Maltese Maltese are small dogs My dog is only months old and is over pounds I don’t think it is a pure breed So, I went online to find a test kit that I can buy for $from Amazon I plan to purchase this kit and test my dog The results will take about two to three weeks [redacted] or [redacted] is fraudulent and a reasonable cash outcome can’t be agreed upon, I will hire a lawyer and will go from there Again, I am willing to honor the deal I was told on the day of the Sale I don’t know what terrible person or persons came up with greedy and dishonest business practice, it is wrong Also, I have spoken to other people that had the same problem with [redacted] and *** One person purchased a TeaCup Yorkie These dogs are small dogs but within the first few weeks the dog was getting bigger She went back to [redacted] and they told her she can return the dog She said I will not, you can refund me my money She had to hire a lawyer to get $back from the company This needs to stop This company needs to held accountable and not be allowed to keep scamming customers What it all comes down to is, I want a fair deal I pay all my bills but it has to be fair A month ago when this came to light I continued to pay and I will until the months are done The only difference is I will pay with a check mailed to ***/Monterey Financial Services, CA and I am requesting a statement in return I am cancelling the automatic withdrawal with my bank I don’t trust [redacted] or Monterey with access to my money.Regards, [redacted]

In response to the complaint received: Ms [redacted] voluntarily entered into a contract (attached) with World Discovered Pacific LLC on June 14, 2017for the purchase of a vacation club software license as outlined in the contractThis contract was assigned to Monterey Financial Services, LLC on July 03, to service the payments outlined in the Retail Installment Contract/Credit Sale Contract, where the account was assigned an account number of [redacted] and the required notifications of assignment were sent to Ms [redacted] , outlining her right to dispute the validity of the assignmentShe did not do soOn the contrary, her first payment scheduled on July 15, per the terms of the agreement and as authorized in the automatic payment authorization (also included in attached)The August payment was declined, and Monterey representatives spoke with Ms [redacted] on September 7, where she indicated she wished to cancel the contractThe Monterey representative she spoke with pointed out the day rescission period (that Ms [redacted] acknowledged and initialed as understanding) that expired on 06-19-per the attached agreementAfter setting up payments that she outlines in her complaint, Ms [redacted] then contacted our office on September 20, indicating that she was dealing with a death in the familyThe Monterey representatives discussed financial assistance programs available to assist her through this time, but she did not want to accept any assistance that was offered to her Due to the facts outlined above, it is clear that no fraudulent activity as Ms [redacted] alleges, and I urge Ms [redacted] to contact our office today at 877-399-to discuss her obligation to the loanAs outlined, if she needs financial assistance, Monterey is willing to discuss and qualify her for such in the event she is eligible Sincerely, [redacted] Senior Manager of Finance & Quality Assurance Monterey Financial Services, LLC

In response to the complaint received: In January of 2015, [redacted] entered into a lease agreement with [redacted] Financing for the purchase of a Golden Retriever (copy of lease agreement attached)This contract was purchased, and assigned to Monterey Financial Services on 1-13-to service the terms of the lease agreementUpon receipt of the complaint, and after researching the matter with [redacted] , [redacted] Financing has advised Monterey Financial that they have since reached out to [redacted] and come to a resolution due to a misunderstanding at the inception of the agreementMonterey Financial has been advised that it was agreed that [redacted] would be responsible to pay the amount financed on the contract (an amount of $524.86) which will be paid to Monterey Financial on 11-16- Sincerely [redacted] Finance Manager Monterey Financial Services Inc

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution would be satisfactory to me I will wait for the business to perform this action and, if it does, will consider this complaint resolved A copy of the letter received from the agency is attachedQuite honestly, had Monterey Collections provided details of the claim with their initial communications (rather than threatening to sue us and take legal action) this entire episode could have been avoided Regards, [redacted]

In response to the complaint received: [redacted] financed the purchase of a mattress & box spring bed, and sofa-bed from [redacted] on 9-27-(contract attached)The financing she received contained a "Day Payoff Option" where [redacted] was able to pay the amount financed ($504.43) if paid by 12-26-This was also pointed out in the initial paperwork sent to [redacted] on 9-30-after the contract had been purchased and assigned to Monterey Financial ServicesThis was not done Monterey phone records indicate that no messages were received from [redacted] , and that the only phone call received was on 1-6-16, well after the Day Payoff deadline had expiredIn this conversation, the Monterey representative that spoke to her, pointed out that the Day Payoff expiration date had long since expired, and was no longer available per the terms outlined in the contract At this point, [redacted] is now delinquent for both her February and now March paymentsShe is still eligible for an Early payoff per the terms outlinedShe also contacted our office on the 3rd of this month indicating that she had lost her job months agoIt should be noted that Monterey Financial has financial assistance programs available to [redacted] if she is experiencing a financial hardship at this point, but the Day Payoff Option is no longer availableAs already pointed out, she is still eligible for a discounted payoff per the Prepayment clause in the contract & I urge [redacted] to contact our office toll free at [redacted] to make the necessary arrangements to satisfy her delinquent payments Sincerely [redacted] Finance Manager Monterey Financial Services

Monterey Collections was hired by the bankruptcy trustee for [redacted] to collect on some of their unpaid balances for services rendered Monterey Collections was informed by [redacted] bankruptcy trustee that the patient’s insurance company may have mailed a check to the patient to cover the expense for numerous lab tests that were authorized by the patient’s doctor, instead of mailing the payment to *** Since the check from the insurance for services rendered may have been mailed directly to the patient, the debt remains unpaid and the patient is responsible for the amount of the check received The account was placed with Monterey for the above mentioned unpaid balance and thus we mailed out an initial dunning notice on April 29, to the patient informing the patient of the unpaid laboratory costs [redacted] contacted our office on 05/05/advising that she received our notice and refused to provide any documents to support here claims that she did not receive a check We have flagged the account as disputed and submitted to remove the account from her credit report Should [redacted] provide us with the explanation of benefits (EOB) for the service date of August 7, and if there is no mention of a check being sent to her, then we will cancel the account with no impact on her credit whatsoever We are aware of [redacted] policy to assume all risk for any denied tests and are not pursuing her for any balance other than the insurance check amount that she may have received If the explanation of benefits confirms that [redacted] received a check, she will be responsible for the amount of the check received that should have been previously forwarded to [redacted] Sincerely, [redacted] Collections Division Supervisor

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below This is my second complaint involving over charging and abusive billing practicesOn August 1, 2017, I had filed complaint # [redacted] During the process of this account, Monterey Financial confirmed that my account was paid in fullThe Revdex.com complaint was closed on 9/21/On this date, 9/22/2017, I received an email from Monterey Financial stating that my account was behind and that I needed to contact themI attempted to contact them on the number they providedI was redirected to voice mail and nobody has returned my callAt this point, their practices are abusive and possibly fraudulentI am having to change my checking account information just to ensure that they will not access my account again.I want Monterey Financial to correct my account with all credit reporting agencies in the event that have made attempts to report my account as being behindI want them to remove my checking account information from their system, to satisfy my account as being paid in full, and to stop contacting meThis account was paid in fullMonterey Financial has already confirmed this and yet they continue to harass meI would also like this information made public for all potential customers to see so anyone who decides to finance an insulin pump will avoid this company.I have the original complaint and response from Monterey Financial that states the account is paid in fullI have the payment history that states there is a zero outstanding balanceI have the email letter from Monterey Financial, stating that the account is behind "again" and needs to be caught upThis is the second time they have attempted to take money from my checking, without permission Regards, [redacted] ***

In Response to the complaint received: [redacted] financed a lease through Monterey Financial Services for the purchase of a dog on 7-2-as she indicatesThis account was also paid in full on 2-15-as she outlinesThe account was reported to the credit reporting agencies accordingly as of 2-29-Monterey Financial is investigating as to why [redacted] account still reflected an outstanding balance, but has submitted an update (on 5-24-16) to all the credit reporting agencies to reflect the account as paid in full with a $balance (copy of transmittal attached)If [redacted] has any additional questions or concerns, she may reach me directly at [redacted] Sincereley, [redacted] Finance Manager Monterey Financial Services

In response to the review received: Mr [redacted] entered into Contracts with [redacted] Inc [redacted] on February 01, (copy of contracts attached), one as a defendant, and the other as a Co-Signor for Ms [redacted] Both defaulted contracts were assigned to Monterey Collections on September 30, due to his default of the contractsAll of the required notifications were sent to Mr [redacted] at this time, which outlined his right to dispute the validity of the debtHe did not do soIn fact all attempts made by representatives of Monterey to discuss the matter with Mr [redacted] have been ignored to dateIn December of Monterey received disputes on the accounts via the credit reporting agencies where the accounts were marked as disputed accordinglyMonterey has also sent the attached validation of the debt to Mr [redacted] Both defaulted contracts began to report accurately as open Collection items in November of 2015, they did not “just appear” as he claimsAs such, the defaulted contracts will continue to report accurately as disputed Collections items on his credit reportI urge him to contact our office today toll free at 877-775-to resolve the defaulted balances of $4515, and $including all accrued fees Sincerely, [redacted] Senior Manager of Finance & Quality Assurance Monterey Financial Services, LLC

Revdex.com:I have reviewed the response made by the business in reference to complaint ID [redacted] and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below.This business is still preying on those who may not be aware of the letter that [redacted] "assumes all risk" for any lab work not covered by by their insurance and is trying to collectBefore sending out threatening letters they need to do their own research and not just send out threats because a check may have been issued.Regards, [redacted] ***

In response to the complaint received: There was a miscommunication with the initial Monterey representative Ms [redacted] spoke with on 5-17-As a result of the miscommunication, a payment was drafted in errorUpon notification of such, Monterey Financial Services has refunded the payment that was drafted in error, waived all associated fees as a result, and also contacted Ms***’s bank to have the fees incurred on her bank’s end waived as wellI sincerely apologize for any inconvenience this may have caused Ms***I urge her to contact our office toll free at 877-399-should she need any further assistance Sincerely, [redacted] Senior Manager of Finance & Quality Assurance Monterey Financial Services, LLC