Citifinancial

In response to the rejection received: The Promissory Note and Security Agreement was presented to [redacted] in it's entiretyThe agreement clearly outlines and differentiates the amount financed vthe Total of PaymentsThis entire document (which contained the "Notice of Intent to Assign") was reviewed, and e-signed by [redacted] on 9-4-Once again, I apologize if [redacted] feels she was treated unfairly by any Monterey Representative, but it is the representatives duty to explain the consequences of non-payment to herMonterey Financial is certainly not harassing [redacted] ***, but our representatives have been attempting to resolve the delinquency of the contractual payments since her account fell past due The account will remain with Monterey Financial Services per the contractOnce again I urge [redacted] to contact a Monterey Representative to bring her account in good standingShe can also make payments via our website at [redacted] Sincerely [redacted] Finance Manger Monterey Financial Services In

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
I could not hear the message but I know for a fact that I never have and never will allow direct withdraw along with my wife The company has problems and probably will continue to have customer problems and I for one after payoff will never use this company again
Regards,
*** ***

In response to the complaint received:
*** *** entered into a lease contract for the purchase of a bed on 10-11-The terms of the lease are clearly outlined within the lease agreement (attached)The lease Agreement does contain an Early Purchase Option And Early Termination option in the
contract (item #8)This option allows *** *** the ability to buyout of the contract at an amount less than the Total of PaymentsAt this point, *** *** is past due for his July and August payments, which are due on the 15th of each monthIn conversations with Monterey representatives since the point *** *** payments fell behind, he has indicated that he has been having financial difficulties, and has fallen behind on several of his billsI urge *** *** to contact a Monterey representative today to discuss the options available per the lease agreement, and to discuss any financial assistance programs that we have available to himHe can reach a Monterey representative toll free at *** to discuss the details
Sincerely
*** ***
Finance Manager
Monterey Financial Services Inc

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID *** 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,
*** ***

As I stated, I do not have a contract with this companyA letter was sent to me for the first time a few days ago and no contract between this company and I can be provenI have never heard of this companyThey are in violation of my FCRA rightsAlso, if I read this correctly, this is from This is past statue of limitations to collect on this debt IF I had a contract anywaysPLEASE DELETE FROM MY CREDIT REPORTS

Revdex.com:I have reviewed the response made by the business in reference to complaint ID *** and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.Regards,*** *** Dear Revdex.com
We need the signed contract paperwork from *** *** to proceed as Monterey Finanacial also did not receiced itAgain as we said numerous time, send the email cancellation within days of sign of contract at that time and ** should know our intention but but they were sitting on it for past years which means they are doing fraudulent scam practice and SNS shows so numerous complaints on their scam and ready to do the class action all together
We also send the letter they sent to you and us to our lawyer and waiting for his response now
Thank you
sencerely yours
** *** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, 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 very simple to understandMonterey called me saying I owed X amount, then said no actually sorry, you owe X amountI asked how many payments I had made, and they gave me two different (and incorrect) answers, so I asked for some sort of paperwork before making a payment to them via phone, just like anyone wouldThey refused to provide any proof of this, and though they said I could go online to their site and view it, there were no specifics or details on each payment we were discussingOf course there was a contract from Achieve Today, but did this contract have any specific details on what payments were made to Monterey each month, or what payments received what charges? Of course it didn't.As stated in my initial complaint, I would have had no problem paying the necessary balanceHowever, Monterey Financial (much like they have done with many others) couldn't tell me when my last payment was made (without switching their answers multiple times) and also couldn't provide me with any actual details indicating that my payments were being recorded, or even that the charges they spoke of were validThough I did go on the website they suggested, there were no specific transaction details on the payments we were discussingUntil dealing with Monterey, I had great credit and always made payments on timeThis is because the other companies I have dealt with provided me with actual details, print outs, mailings, of the charges, and also discussed the details on how they accruedWithout paying them to mail me statements, Monterey left me with nothing to go off of other than their wordSince the initial person I spoke with didn't seem to have a clue of how many payments I had made or even when my contract started, I didn't feel comfortable sending a payment to them without paperwork, and judging by the hundreds of complaints against Monterey which can easily be viewed online, many others seem to feel the same way as I doThough they had tried to deny this via their response, it is very obvious this company is not only disliked by many people, but also very rude on the phoneI have never complained to the Revdex.com before, and like I said, before dealing with Monterey Financial, my credit was great, proving them to be the common denominator here.Whether we come to an agreement here, or I have to go about things differently, I refuse to pay them the full amountMonterey's antics could not be anymore obvious than they are, and though they may state things differently when writing online, I know what happened and I know that if they did things correctly, we wouldn't have this problemDo I think all of the other individuals who reviewed Monterey online made up the fact that they were harassed via phone? NoDo I think that all of the other individuals made up the fact that Monterey mis-charged them and then changed the amount that was owed after being questioned via phone? NoDo I think that all of the other individuals made up the fact that Monterey refused to provide them with proof or paperwork on these charges? No
Regards,
*** ***

In response to the complaint
received:
I apologize for any
inconvenience Ms***-*** has experienced as a
result of her
communication with any representatives of Monterey, and we appreciate her
feedbackUnfortunately there was an error made related to the banking
transmittal of Ms***-***s paymentsThis has since been corrected, and
the department Supervisor has reached out to Ms***-*** subsequent to
this complaint to resolve her concernsShould she have any additional question
or concerns, I ask that she call us toll free at 877-399-
Sincerely,
*** ***
Senior Manager of
Finance & Quality Assurance
Monterey Financial
Services, LLC

In response to the complaint received: This complaint was received by our office on 8-3-17, and responded to the same day (as can be seen in attached)Below is the original response... "Ms*** voluntarily entered into a Closed End Consumer Product Lease with *** Funding for the
purchase of a dog on 5-30-(lease Number ***, attached)This lease was assigned to Monterey Financial Services, LLC on 5-31-to service the remaining payments on the leaseThe first scheduled payment of $was scheduled to draft on 6-25-per the ACH Authorization AgreementOn 6-23-17, Ms*** visited the Monterey website and authorized a payment in the amount of $despite the fact she was already set up on an automatic payment draftThus, she had back to back payments coming out of her accountOne of these payments was rejected and incurred a $NSF fee as a result. There was more confusion subsequently related to her automatic draft status and another declined payment.In effort to resolve Ms***’s complaint, Monterey has waived the assessed fees to this pointHer account is currently in good standing and is next due on 8-25-for her next contractual payment in the amount of $It should be noted that at this point her account is not on automatic draft, and she will be responsible to ensure her monthly payments are received timelyShe may reach a Monterey representative toll-free at 877-399-should she have any questions or concerns." Sincerely, *** ***Senior Manager of Finance & Quality AssuranceMonterey Financial Services, LLC

In response to the complaint
received:
*** ***
entered into a *** End Consumer Product Lease with *** Funding on October
13, for the purchase of a puppyThis lease was assigned to Monterey
Financial Services, LLC on October 16, to service the payments of the
lease as a third-party loan servicing agentUnbeknownst to Monterey Financial
Services, the puppy passed away, and *** *** made an arrangement with
the retailer to get a new dog, and thus a new *** End Consumer Product Lease
on November 5, It was not communicated to Monterey at this time that the
original Lease was to be cancelledOn November 15, 2017, *** notified
Monterey Financial Services that the original lease was to be cancelled, and Monterey
will be refunding the initial payment made on the original lease business
days (Dec 1after the payment was made, and close the original account
accordinglyI apologize for any miscommunication related to this matter, and
should *** have any questions or concerns, a representative of Monterey
can be contacted toll free at 877-399-
Sincerely,
*** ***
Senior Manager of
Finance & Quality Assurance
Monterey Financial
Services, LLC

In response to the complaint received, and as already pointed out in response to the complaint filed via the CFPB (case#***):Ms*** *** and
MrJ*** *** entered into a contract with
Allegro Vacation Club on April 11,
(copy attached)This contract was assigned to Monterey Collection
Services on March 9, due to the default of the contract due to
non-paymentThe required notifications were sent to Ms*** on March 10,
outlining her right to dispute the validity of the debtShe failed to do
soOn the contrary, on April 14, at 1:pm PST a Monterey Representative
spoke to Ms*** over the phone where she indicated that she was
experiencing financial difficulty and couldn’t afford the payments on the
contract, and that she was trying to sell the membershipMonterey
Representatives attempted to work out a payment plan of $200/month- well below
the original contractual payment amount, but all arranged payments rejected and
Ms*** failed to make said arrangements, or make any successful payments
whatsoeverMs*** failed to return calls to Monterey representatives or
communicate with our office after June of
Monterey Collections did
receive Ms***’s letter on April 12, 2017, where the account was
immediately marked as disputedDue to the fact that she has already
acknowledged the debt and even made payment arrangements for it, she is well
outside of her day request for verification periodDespite this, a copy of
the attached contract was sent to her on June 27, At this point, I urge
Ms., *** to contact our office toll free at 877-775-to make the
necessary arrangements to satisfy her obligation to her defaulted contract with
an outstanding balance of $20,as of today including all accrued fees and
interest
Sincerely,
*** ***
Senior Manager of
Finance & Quality Assurance
Monterey Financial
Services, LLC

*** *** provided us with the explanation of benefits on May 19, and there was no mention of a check being sent to her. As previously indicated we would cancel the account based on receiving and reviewing the EOB. On May 19, we cancelled the account with no impact on her credit whatsoever. We mailed her written notification of cancellation of placement on May 19, based upon our investigation.
Sincerely,
*** ** ***
Collections Manager

Monterey Financial has not returned the funds to my accountThey continue to lie

In response to *** ***'s rejection:
As already indicated, Monterey is willing to honor the Day Same as cash Option, which *** *** has already made arrangements to pay/satisfy on 4-4-I apologize that a message was not received if left as *** *** indicatesbut again, Monterey has already agreed to honor the Same as Cash Option, which *** *** paid on 4-4-The account will be closed accordingly as satisfied
Sincerely
*** ***
Finance Manager
Monterey Financial Services

In response to the complaint
received:
Ms*** and Mr
*** *** entered into a contract with
MedicalFinancing.com on April 22,
to finance a medical procedure (contract attached)As Ms***
outlines, the interest rate on this contract is 29.9%, and the contract
outlines a term of payments for a total of $13,to be paid after she
has made all payments as scheduledThis contract was assigned to Monterey Financial
Services, LLC per the “Notice of Intent to Assign” contained in the contractTo
date, she has made of the contractual payments & paid $10,
(interest & principle) towards the contract (not $13,as she claims) as can be seen in the attached transaction history of her account
Monterey Financial Services, LLC did offer a discounted buyout offer in of
20% off of the contractual balance (not 25%), so long as the buyout was
executed by September 18, Ms*** did not take advantage of this
offer, which has long since expiredAs such, the contract will remain until
paid in full per the terms of the contractAs she indicates in her complaint,
she is currently set up on an automatic draft, with her next scheduled payment
coming due on September 20, If she wishes to pay off the account at this
point to save herself any future accrued interest, she may contact our office
toll-free at 877-399-to do so
Sincerely,
*** ***
Senior Manager of
Finance & Quality Assurance
Monterey Financial
Services, LLC

In response to the complaint received:
*** *** entered into a contract with *** *** for work done on her car on 5-27-(contract attached)The contract was assigned to Monterey Financial Services on 5-28-*** ***'s contract contains a Day Payoff Option which expired on 8-25-***
*** initially made arrangements when she called our office on 6-16-to have the Day Payoff paid by the 8-25-deadlineShe later contacted our office in July to make changes to the payments that were set to satisfy the Day Payoff Option, and indicated that she would call our office to make additional paymentsShe called our office again on 8-to make a payment, and was reminded of the 8-deadline to satisfy the Day Payoff optionShe informed the Monterey representative that she would call back in a few days to pay the remaining balance*** *** did not contact Monterey Financial again until 8-27-15, and was informed the Day Payoff Option had expired, and that she was due for the contractual accrued interest, which she paid and closed the account accordingly
To date, *** *** has paid $in principle to the contract (transaction history attached)Despite the fact that the Day Payoff Option expired prior to *** *** paying the agreed amount, Monterey is willing to honor the Day Payoff Option due to any misunderstanding related to the automatic draft , and will refund the difference of $to satisfy the difference
Sincerely,
*** ***
Finance Manager
Monterey Financial Services Inc

In response to the complaint received:
*** *** entered into a consumer close-ended lease with *** *** *** on 5-26-The account was placed with Monterey Financial Services, LLC to service the contractual payments outlined in the repayment terms of the leaseEvery payment that was
drafted on the account was authorized by *** *** ***, or his wife *** *** *** (after authorization to speak to with her was given by *** *** on 12-1-16)I apologize for any miscommunication between the *** and any Monterey Financial representatives, but as stated, all payments drafted were authorizedThe most recent payments on 12-5-16, and 12-30-were both authorized by *** *** *** on 12-5-at 3:38pm after the account fell delinquent and a payment plan was arranged to bring the account into good standingIn this call she also authorized an automatic draft to resume on the account beginning with their next scheduled payment on 1-20-Subsequently, *** *** contacted Monterey claiming the payments were not authorized, and asked for the automatic payments to be cancelledThe automatic draft was cancelled at this timeAt this point, the automatic draft has been cancelled, and the *** account is currently in good standing, with their next scheduled payment coming due on 1-20-I urge the *** to contact our office toll-free at *** with any additional questions or concerns
Sincerely
*** *** *** *** ** *** *** *** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, 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,
*** ***

Revdex.com:I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.I DID NOT AGREE to have them debit my accountI want to hear the recorded call where they say I agreed to have my account debited because I DID NOT AGREEIf I had in fact agreed, I would not be disputing the debit.*** ***

Revdex.com:I have reviewed the response made by the business in reference to complaint ID *** and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.Regards,*** ***