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.Like I previously stated (and like many others have clearly stated online about Monterey Financial), you absolutely did not explain the details to me, all you said was that I could check them online, and when I did, the only thing there was the contract which states the original agreement but doesn't say a single word about what payments were made or what payments accrued chargesI don't think the nearly people (all in different states) decided to make up the fact that Monterey Financial refuses to provide paperwork or proof of what the exact charges areSimply review their complaints online and you will see exactly what I am saying is being said by many othersWhy? Because that is what they doAlso, of course they sent me the CONTRACT in the mail, but all the contract says is the initial agreement, it says NOTHING about what payments were already recorded or why X amount of charges accrued.This is COMMON KNOWLEDGE, that ANY BODY would agree with - when being told to pay X amount by a company over the phone (who can't even recall when your last payment was made or when your contract even started), seeing paperwork is preferred, just to make sureHowever, when I did ask to see that, first they said that they don't use email, then they said that in order to mail me the PAYMENT DETAILS, I would have to pay them to do soThen they said I could check it online, and I did, but all that was there was the ORIGINAL CONTRACTThis is very easy to understand and clearly truthful considering the amount of people online with the same exact complaints as meMonterey can deny this all they want, but we both know the truth here, and whether we have to come to an agreement here or I have to go about things differently, I will not pay the full amountAnd like I said in the last message, after the charge that came back insufficient, I spoke with Monterey on the phone and call my bank to make sure direct deposit was still hooked upBefore that, my payments went through fine, I apologized to Monterey (listen to the call if you'd like), and it was not until after this that I blocked them from my bank for all future payments until I figured everything outI don't want a company charges me when they don't even seem to have a quality record of the payments I already made or when my contract even started, which is exactly what I told them, just like anyone in their right mind would do Regards, [redacted]

Revdex.com: I have reviewed the response made by the business in reference to complaint ID 11974562, and find that this resolution would be satisfactory to meas long as this mistake does come off my credit report! I will wait for the business to perform this action and, if it does, will consider this complaint resolved Regards, [redacted]

In Response to the complaint received: [redacted] entered into a contract with [redacted] on 9-4-(contract attached)The terms of [redacted] ***'s financing are clearly outlined in the contract she entered into, with an amount financed of $over months at an APR of 29.9%The Agreement also clearly outlines the fact that the account would be assigned to Monterey Financial Services under the Notice of Intent to Assign section of the contract [redacted] has been habitually late on her payments since the inception of her loan, and representatives have followed up with her in effort to bring her account in to good standingI apologize if [redacted] feels she has been treated in an unfair manner, but her loan is currently past due for the July & August payment, and efforts have been made by Monterey representatives to work out a payment plan to resolve her delinquencyHer account will be reporting as a delinquent account accordingly, until she has made the necessary arrangements to satisfy her obligation to the contractual terms of the attached contractShe may reach a Monterey Representative toll-free at 877-399-to discuss the matter and a resolution in further detail Sincerely [redacted] Finance Manager Monterey Financial Services Inc

In response to the complaint received: On 1-31-17, Emporium assigned a contract for Ms [redacted] to Monterey Financial Services, LLC for a purchase made through their officeOn 2-4-17, Ms [redacted] contacted Monterey Financial Services, LLC and indicated that she had already paid the account in full On 2-6-Monterey Financial Services LLC was notified by Emporium that the contract was placed with Monterey Financial Services in errorMonterey has closed the account in question accordingly, and has taken the necessary steps to have any credit reporting removed from her credit reportI apologize for any inconvenience this may have caused Ms [redacted] Should she have any further questions or concerns, she can reach a Monterey representative toll free at 877-399- 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 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 Regards, [redacted] ***

Monterey Collections was hired by the bankruptcy trustee for [redacted] to collect on some of their unpaid balances for services renderedMonterey Collections was informed by [redacted] bankruptcy trustee that the patient’s insurance company 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 [redacted] Since the check from the insurance for services rendered was mailed directly to the patient, the debt remains unpaid and the patient is responsible for the amount of the check receivedThe 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 We have not spoken with [redacted] to be able to explain that we need the explanation of benefits to determine if [redacted] is responsible for any amountWe have flagged the account as disputed and we are not currently reporting it to the credit bureauShould [redacted] provide us with the explanation of benefits 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 However 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] I encourage her to contact our office to provide us with an explanation of benefits so we can investigate and resolve this matter promptly 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 The reason Monterey cannot provide payment history is because there was no payment history and there was no vacuum cleaner purchased Regards, [redacted]

In response to the rejection received: As outlined in the original complaint, Ms [redacted] entered into a contract for the purchase of a vacuum on August 18, (copy of contract previously attached)The retailer that she purchased the vacuum from (RLM) utilized United Consumer Financial Services Company as their primary lender at the time Ms [redacted] made her purchaseDue to Ms [redacted] 's creditworthiness, she was denied financing, and Firstline Financial, Inc(FLF) purchased the contract and provided the financing that allowed Ms [redacted] to purchase the vacuum for which she has still not paid for This is reflected in the "Assignment of this Contract" section of the contract, as well as the "Notice to Holders of Contract"I’ve also attached a copy of the Collection Agreement between FLF and Monterey Collection ServicesOnce again, as outlined in the initial response, I urge Ms [redacted] to contact our office toll free at 877-775-to make the necessary arrangements to satisfy her obligation to this defaulted contractSincerely, [redacted] ***Senior Manager of Finance & Quality AssuranceMonterey Financial Services, LLC

Additional information which may prove usefulMaking sure that account: ***- [redacted] is [redacted] and that ***- [redacted] is ACTIVE.I was charged $for both accounts and was told two different time frames for this refundThe most recent following, I was told to expect the refund today 11/29/I need to make sure this is being handled

In response to the rejection received: As outlined in the original response, Mr [redacted] entered into a contract with [redacted] on June 16, (contract previously attached)This contract was assigned to Monterey Financial Services, LLC on June 23, to service the account as a third-party loan servicing agent, where the account was assigned an account number of [redacted] where he made his first scheduled payments (both on July 10th) per the terms of his contract On July 13, the account was transferred to another division of Monterey Financial Services, LLC where account number [redacted] was closed, and the account was assigned a new account number of [redacted] The reason for this transfer is outlined in the letter of notification as a change in our accounting system, similar to if the contract were assigned to a different loan servicing agent, as per the “Assignment” clause of his agreementNotification of this account transfer was sent to Mr [redacted] on July 14, (copy of the notification also previously attached)Monterey has no control over Mr [redacted] ’s email, but the notification of transfer was sent as outlinedAlso, if Mr [redacted] was having issue with his account login via the website subsequent to the transfer, there are options available through the website which would allow for him to receive assistance, including the ability to send an email, or call toll free to receive assistance as per attached Again, and as already noted, Monterey has confirmed that the services are available to Mr [redacted] , and that they attempted to reach him as recently as August 22, (again contrary to his claims), to which Mr [redacted] did not respondIf Mr [redacted] has questions related to the services of ***, I suggest that he reach out to them and resolve whatever questions he hasI apologize for any inconvenience the account transfer may have caused Mr [redacted] However, Mr [redacted] ’s account remains past due for his September payment which he initially paid, but placed a “stop payment” on the check that was initially paidI urge him to contact our office today, toll free at 877-399-to make the necessary arrangements to bring his account into good standing before any negative credit reporting tkes place due to his delinquent status 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 find that this resolution would be satisfactory to me I will reach out to [redacted] tomorrow in hopes of terminationI also want to state that there was no printed copy given by [redacted] of the contractIt was all done over an iPad/cellphone and that when I spoke with [redacted] myself he even told me he was unaware that it was a lease and that I would have to be paying basically to rent a catOf course he's going to tell you otherwise but anyways I'll reach out to [redacted] tomorrow and hopefully we can get this resolvedThe cat is in a safe home with an owner that has other Bengals and I have pictures of the cat from the new owner to prove that factI only turned to selling the cat because I could no longer afford to keep him Regards, [redacted] ***

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. Regards, [redacted] There was no resolution part of the complaint was the contract was magnified so much I was not able to read the contract which must have been done to deceive the buyer. I would have never agreed to this Buyout is at an insane interest rate I was also quoted 318.00 dollars to buy out then I was going to so this can be done with. Then it was changed to $440 dollars. I'd only be willing to pay the most is the 318 I was quoted.

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.Regards, [redacted] After days of signed the contract, We sent a email of cancellation (not verbal) because we realized it was scam since I used the word , In contingency of selling other [redacted] timeshare that which should be sold by [redacted] in at least month and [redacted] never sold it as promised for about yearsas of yet now If email was not appropriate at that time, they had to respond as it was but not responded us at all and was sitting on that was another reason of scam We called [redacted] several times for copy of contact but they never answered as a scam again and we got same numerous fraudulent lncidents of my friend Since we don't have any merchendise we don't have to pay In fact, we had same case with [redacted] timeshare ln Mexico we cancelled it later by the email with out trouble

In response to the complaint received: Ms [redacted] entered into a Closed End Consumer Product Lease (Lease# [redacted] ) with Nextep Funding on June 09, On that day, the retailer (Pet World of Virginia) drafted, and Ms [redacted] voluntarily entered into this leaseAll Nextep Funding agreements are sent electronically to the email address provided in the consumer’s applicationThis is done for security and protection of the consumersNextep Funding provides a courtesy cover page included on all lease agreementsOn this cover page, the consumer must initial next to all critical terms of the lease, such as the total amount the consumer is financing, amount due to the retailer at lease signing, the monthly payment amount, the lease period, the total amount to be paid by the end of the lease term, and the purchase option at the end of the lease term if the consumer wishes to purchase the product at the end of the lease termAccording to Nextep Funding and the attached agreement, Ms [redacted] acknowledged, understood, and initialed as understanding these terms Ms [redacted] is currently poast due for the December and January lease payments as outlined in her contract in the amount of $(as of today including assessed contractual fees), and I urge her to contact our office today, toll-free at [redacted] to make the necessary arrangements to bring her account into good standingShe also has an Early Purchase Option outlined in the contract that she can exercise should she choose Sincerely, [redacted] Senior Manager of Finance & Quality Assurance Monterey Financial Services, LLC

In response to the complaint received: Ms [redacted] entered into a Closed End Consumer Product Lease (Lease# ***) with [redacted] Lending on October 20, (copy of lease attached)On that day, the retailer (Buy & Save 2) drafted, and Ms [redacted] voluntarily entered into this lease All [redacted] Lending agreements are sent electronically to the email address provided in the consumer’s applicationThis is done for the security and protection of the consumers [redacted] provides a courtesy cover page included on all lease agreementsOn this cover page, the consumer must initial next to all critical terms of the lease, such as the total amount the consumer is financing, amount due to the retailer at lease signing, the monthly payment amount, the lease period, the total amount to be paid by the end of the lease term, and the purchase option at the end of the lease term if the consumer wants to purchase the product at the end of the lease termMs [redacted] initialed next to all areas, including the “total amount you will have paid by the end of this lease”, indicating that she understood these terms before entering into the Lease Agreement On October 24, this lease was assigned to Monterey Financial Services to act as a third party loan servicerMonterey sent Ms [redacted] notification at this time that her lease had been assigned to Monterey, and outlined her ability to dispute the validity of the debtShe did not do soOn the contrary, Monterey representatives spoke to Ms [redacted] on several occasions after her account became delinquent where she indicated she could not afford to make the paymentsAfter making no payments as outlined in her lease the lease was deemed uncollectible in March, and placed with Monterey Collection Services due to the default of the lease, where the applicable fees were added to the defaulted balance It should be noted that a Monterey Collections representative recently explained the facts above to Ms [redacted] as recently as May 8, at 1:24pm PST, and even offered Ms [redacted] a settlement offer well below the contractual defaulted balance & applicable feesShe failed to accept this offerDue to the facts outlined above, the balance will remain in collections and report accordingly, as an open, disputed collection itemI urge Ms [redacted] to contact our office today at 877-775-to make the necessary arrangements to satisfy her obligation to her defaulted lease 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 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 Regards, [redacted]

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 According to the representative my spouse authorized the withdraw from the bankShe never authorizes the withdraws so if the company likes to lie about things they should go out of business They lie and seems like they cheat others out of their money and the company not proven to me that my wife authorized the withdraw My wife never authorizes any withdraws from our account that is a future withdraw So the company totally lied about the withdraw Regards, [redacted]

In response to the complaint received: Ms [redacted] entered into a Closed End Consumer Lease with I Do Lending on January 10, (copy of contract attached)where the account was assigned to Monterey Financial Services, LLC to process the payments outlined in the contractHer account was set up on automatic draft at the inception of the leaseOn February 25, 2017, Ms [redacted] made a payment in the amount of $in addition to the regular payment amount made that monthDue to the prepaid status of the account the automatic draft did not attempt to draft from her accountShe has since contacted our office where this was explained to her, and Monterey has refunded Ms [redacted] $on 5-9-Ms [redacted] is still eligible for an early buyout per the terms in the attached contract, and may reach a representative toll-free at 877-399-to make the necessary arrangements Sincerely, [redacted] Senior Manager of Finance & Quality Assurance Monterey Financial Services, LLC

In response to the complaint received: Mr [redacted] entered into a Closed End Consumer Product Lease (Lease# [redacted] ) with My [redacted] on September 28, On that day, the retailer ( [redacted] Shop- [redacted] ) drafted, and Mr [redacted] voluntarily entered into this lease All My [redacted] agreements are sent electronically to the email address provided in the consumer’s applicationThis is done for the security and protection of the consumersMy [redacted] provides a courtesy cover page included on all lease agreementsOn this cover page, the consumer must initial next to all critical terms of the lease, such as the total amount the consumer is financing, amount due to the retailer at lease signing, the monthly payment amount, the lease period, the total amount to be paid by the end of the lease term, and the purchase option at the end of the lease term if the consumer wants to purchase the product at the end of the lease termMr [redacted] initialed next to all areas, including the statement “You understand that this Agreement is a lease, not a loan and that you are leasing the product(s)”, indicating that he understood these terms before entering into the Lease Agreement On September 29, this lease was assigned to Monterey Financial Services to act as a third party loan servicerMonterey sent Mr [redacted] notification at this time that his lease had been assigned to Monterey, and outlined his ability to dispute the validity of the debtHe did not do soI urge Mr [redacted] to review the terms of his lease as it contains an Early Purchase Option, allowing him to purchase the product prior to the full term of the leaseHe can reach a Monterey representative toll-free at 877-399-with any questions about his lease, assist him in making payment, and to execute an early purchase, should he choose to do so Sincerely, [redacted] Senior Manager of Finance & Quality Assurance Monterey Financial Services, LLC

I do no own these time shares I have requested signed documentation showing ownership and have never received such I am not sure what information you want me to provide Again I do not own these timeshare, I have never signed contracts agreeing to be responsible for them