Citifinancial

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.Monterey Finicial or *** *** are now playing gamesI have left messages with Monterey Finicial, before my date!!! I know thisI do plan to get my records, somehow and when I do I will sue because this is so ridiculousWhy are you people lying? Do the people really not do their jobs at Montetey or is this 100% scam?????? I am not the first person, who has complained about this company
Nor, will I be the last! NOBODY RETURNED MY MESSAGES!!!! THE MANAGER AT *** *** COULD NOT GET AHOLD OF MONTEREY FINICIAL EITHER AND THEY ARE BUSINESS PARTNERS!! WHAT THE HECK DOES THAT TELL YOU?!??!?!?!? I CALLED AND LEFT MESSAGES!!!!! I WOULD HAVE LOVED TO PAY MORE THAN MY A MONTH IF YOU GUYS DIDN'T HAVE IT ALREADY SETI CALLED AND CALLED FOR YOU GUYS TO TAKE OUT MORE!!
I KNOW SOMEONE HEARED MY MESSAGES! SERIOUSLY, EITHER LAZY PEOPLE WORK HERE OR YOU GUYS ARE JUST A SHADY SPOTIT'S REALLY ONE OR THE OTHER BECAUSE I CALLED! I WILL NOT PAY YOU GUYS $1,SOMETHING BECAUSE OF SOMEONE ERROR!!! I KNOW MY PAY OFF AMOUNT AND ITS RIDICULOUS!! I KNEW IT WHEN I GOT MY CONTRACT! I SAID IT WAS RIDICULOUSAS SOON AS THE "DAYS" PASSED, I CALLEDI LEFT A MESSAGE!
Regards,*** ***

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,
*** ***

*** *** has disputed the transaction with her bank and the funds have been returned back to her accountIt is no longer necessary to have *** *** review the callIt is imperative that she contacts our office to set up a payment for the past due balance owed for the month of April, May, June, and now July as wellWithout a payment this will continue to report on her credit and can be placed in collectionsI encourage *** *** to contact my office today at toll free *** *** *** to speak to her account manager

I was to have a package delivered on Friday December 16th, Package not left at door, taken to ***Went online to arrange for home delivery as *** is hours from homeHad all arranged with online site to be delivered on Tuesday December 21stNo delivery?? Called *** to see why, find out it's been taken to ***A half hour from homeAsked how this could be when I arranged both online and over the phone for home delivery and was told it's at the discretion of the driver and that he never even came to the houseOnline resource told me that they cannot accommodate me atallNote has been left on the door with all pertinent information for permission for drop offExpecting another package tomorrow as well as old packageVery concerned that both will not be delivered! What kind of a courier company leaves delivering goods to the drivers discretion? Is there not some kind of customer priority? Very disappointed in service

In response to the rejection received: As already outlined in the original complaint, Ms*** entered into a Closed End Consumer Product Lease (Lease# ***) with *** Lending on October 20, (copy of lease previously attached)On that day, the retailer (Buy & Save 2) drafted, and Ms*** voluntarily entered into this leaseAs originally outlined, all *** 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*** 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*** 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 AgreementFurther supporting the fact that this agreement is a lease, and clarity of that fact, is supported (and acknowledged by Ms***) in the “Notice to the Lessee” on page of the executed leaseOnce again, a Monterey Collections representative recently explained the facts above to Ms*** as recently as May 8, at 1:24pm PST, and even offered Ms*** 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 item It should be noted that a Monterey representative spoke with Ms*** on August 26, subsequent to the original responseShe indicated that she would need to review her finances so that she could discuss a settlement of the contract, and indicated she would be calling our office back no later than August 31, to make the necessary arrangementsI urge Ms*** to contact our office today at 877-775-to make the necessary arrangements to satisfy her obligation to her defaulted lease Sincerely, *** *** Senior Manager of Finance & Quality Assurance

After Monterey’s first response to *** ***’s complaint, we received a copy of the explanation of benefits as requested in our original response Upon carefully reviewing the documents provided, Monterey Financial has deemed *** ***’s account as placed in error and we will be sending supporting documentation that confirms this in the mail to *** ***As stated in our previous response we have already completed a request to remove the negative credit reporting from *** ***’s credit
Should *** *** have any additional questions please have her to contact me directly at *** ***
Sincerely,
*** ***
Collections Supervisor

Monterey Collections was hired by the bankruptcy trustee for *** *** *** to collect on some of their unpaid balances for services renderedMonterey Collections was informed by *** 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 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
*** *** does not have an account with Monterey CollectionsHe responded to a letter that was sent to *** *** on May 17, We informed him we could not discuss this account with him as we needed to have *** *** authorization to release information to himOn May 18, we spoke with *** *** and explained what we needed to investigate the claim and she advised that she would attempt to get the appropriate explanation of benefits
We have flagged the account as disputed and we are not currently reporting it to the credit bureausShould *** *** provide us with the explanation of benefits (EOB) for the service date referenced on the invoice, 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 whatsoeverWe are aware of *** 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 receivedIf the explanation of benefits confirms that *** *** received a check, she will be responsible for the amount of the check received that should have been previously forwarded to ***
Sincerely,
*** ** ***
Collections Manager

In response to the complaint
received:
Ms*** 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*** 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*** $on 5-9-Ms*** 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,
*** ***
Senior Manager of
Finance & Quality Assurance
Monterey Financial
Services, LLC

On 04/15/*** *** entered a lease agreement with *** Funding LLC for the purchase of her puppyAs outlined in her agreement, there are leasing fees associated with her monthly payment not
service fees as she statesI have reviewed the buyout amounts she was quoted and have confirmed with her the correct amount dueThe $payment she made has in fact been applied to towards the buyout and it is not going to prepay future months as she previously believedMs*** agrees with the amount I have quoted and has scheduled her final payment with our officeOnce this payment has been processed her account will be paid in fullWe consider this complaint to be resolved with Ms*** but if she has any further questions I encourage her to contact me directly at toll free 877-775-

if you get a brochure from sun stone Dental with a quote " come in for a FREE dental implant consultation with CT scan of your mouth ($ Value)" do not believe them, first they will give you an appointment one and a half month in the future, and when your appointment approaches they will tell you "the dentist is not available that day" and you have to make another appointment one month in the future, and again when the second appointment approaches, the will tell you " the CT scan machine is broken" or the brochure is too old ( btw, I called them for my first appointment the same day I got the brochure in the mail)Would you trust them with your teeth under their mercy ?

This an approval to have Revdex.com involved concerning my situation with Monterary and Vocational consultant I would appreciate this complaint being made against to move forward I want monies returned to me in the total submitted and all interest accumulated over the months, thanks

In response to the complaint received,
*** *** entered into a contract with *** *** *** on 3-16-Upon execution of the contract, the account was purchased and assigned to Monterey Financial ServicesUpon receipt of *** *** claim that the contract had been cancelled per the
rescission period outlined in the contract (on 3-29-16), Monterey has taken the necessary steps to have the information verified to close the account accordinglyI apologize for any perception of a delay in getting the cancellation verified, but the account has since been closed accordingly as a cancellation
Sincerely,
*** ***
Finance Manager
Monterey Financial Services Inc

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.Where is the contract stating that we agree to the fees of $dollarsI have contacted Monterey Financial on numerous occasion about there fees. *** *** | Collections Department Representative about this matter
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
The information written in response is again inaccurateAs for "Notification of this account transfer was sent to Mr*** on July 14, (copy of the notification also attached), contrary to his claims." I did not receive word of this change until September I have included the only notification that I received from them as an attachmentI have also included my responses to them as well to indicate that I received no true assistance in the matterMeaning all I received was notice a few days before I was to pay my bill, me asking why I was being charged when I could only see that my account was closedThe main confusion being that if I were to owe money and needed to make a payment then how I was I supposed to log into this new account? The web page only allows you to use a username and passwordThere was absolutely no help on this matter except an answer that practically outlines "we don't care pay us." Next up is the response that they included above from ***I never received this email and if I did it probably came through my spam in which I do not checkI delete them in bulk without reviewThere is also a couple of problems I have with this responseFirst of all, I entered into the service with a Nick Gitto and had only met with himThe last meeting was in July and the last time I used the service was August I felt as though the service contract had been termi***d when I went to make a payment in August and noticed that the account had been closedI went on about my life assuming that there was not a contract and never any contact from ***Until September when I inquired about the loan, I had first heard about owing money on September I have attached all communicationsWhen I responded with a complaint to the Revdex.com, I finally heard from *** in the form a phone call and an emailPrior to the complaint I had heard nothingI have two questions hereOne, why did the person assigned to me change to another person? Two, why didn't they call me and follow up? Lastly, it really only seems that I got any answers when the complaint was madeMonterey Financial cannot explain to me still why a loan would be transferred to another departmentAlso why would it need to be? I have never had that happen in any other loan that I have ever made a contract withA look at my credit history and you will see that I have never missed or been late on any paymentsAm I being punished because I made payments in a month to get a little ahead on the loan? At this point they can keep their money I have paid them and just close my account and not report it to the credit bureaus and I would be happyI do not wish to do business with either company because they lack the certain customer service and honesty one would expect from eitherEvery time that Monterey calls me it is blocked by a spam notice with many complaints listed about themThen they leave a message with a robotNone of these calls started until I also filed my complaint*** only seemed to care about my participation with their consulting firm after I made the complaint as well.
Regards,
*** ***

In response to the rejection received: As already pointed out in the initial response, Mr*** entered into the contract with Plantation Vacations of Myrtle Beach, LLC on February 3, (contract attached again)As explained in the original response, upon execution of the contract (that was signed by Mr***), Mrand Ms*** are bound to the terms of the contract and associated Master Deed as outlined in item of the contract named "Related Documentation." This section outlines "The purchaser acknowledges that the following documents have been made available prior to the execution of this agreement and the provisions of the said documents are incorporated herein by reference and made a part of the Agreement: (1) A copy of the Master Deed for the Horizontal Property Regime." Again, a copy of the applicable portion of the Master Deed is attachedIn the Master Deed it clearly outlines "If an Owner shall be in default in the payment of assessments, the Board of Directors may accelerate the remaining installments of the annual assessment upon notice thereof to the owner, and thereupon the unpaid balance of the assessment shall become due upon the date stated in the notice, but not less than ten (10) days after the delivery thereof to the Owner, or not less than twenty (20) days after the mailing of such notice to him by registered or certified mail, whichever shall first occurNo unit week may be reserved or utilized by any co-owner unless and until all assessments, late fees, legal fees, collection fees or other obligatory costs or expenses are paid in full..." In this case the collection fees associated with the collection of Mr***'s defaulted maintenance fees came to 35% of the balance placed, in the amount of $Once again, I urge Mr*** to contact a representative toll free at 877-775-with any questions or concerns Sincerely, *** ***Senior Manager of Finance and Quality AssuranceMonterey Financial Services, LLC

In response to the complaint
received:
Ms*** (now ***)
entered into a contract with *** *** *** on
May 5, at 3:pm
(contract attached)Ms*** failed to make the payments as scheduled in
the attached contract, and the unpaid balance was placed with Monterey
Collections Services on February 2, as a result of her defaultThe
required notifications were sent to her at that time outlining her right to
dispute the validity of the debt within daysShe did not do soI would
urge Ms*** to review the attached validation of the debt and contact our
office immediately at 877-775-to make the necessary arrangements to
satisfy her obligation to the defaulted contract (balance of $3,as of
today including all accrued interest and fees)
Sincerely,
*** ***
Senior Manager of
Finance & Quality Assurance
Monterey Financial
Services, LLC

In response to the rejection received: As outlined in the response to the original complaint, Ms*** voluntarily entered into a Closed End Consumer Product Lease with *** Funding for the purchase of a dog on 5-30-(lease Number ***, previously attached)This lease was assigned to Monterey Financial Services, LLC on 5-31-to service the remaining payments on the leaseNobody has doubled any amount or obligation of Ms***, all of the terms of the lease agreement she agreed to are clearly outlined in the executed leaseSince the inception of the lease with Monterey, Ms*** has assessed fees related to payment rejectionsIn effort to resolve Ms***’s complaint, Monterey has once again waived the assessed fees to this point, and she spoke to the Finance Supervisor this morning to make the necessary arrangements to execute her early buyoutShe may reach a Monterey representative toll-free at 877-399-should she have any questions or concerns Sincerely, *** *** Senior Manager of Finance & Quality Assurance Monterey Financial Services, LLC

*** *** entered an agreement with *** *** *** and agreed to pay $on the 15th of every month beginning in FebruaryShe requested to stop her automatic payments for the month of April and MaySince two month’s payments were not received the account became past dueOn 06/21/when
*** *** spoke to our representative she authorized a payment to be postdated for 06/30/
She did state that she had new account information and needed to update it, however, she did not have it at the momentOur representative explained the payment would be scheduled with the account on file in order to keep her account out of collection review, but she would need to call by the end of the day to change the account number*** *** agreed to call back by 8pm CST; however, she failed to call back
Since she did not call back to update her billing information, the payment ran as agreed on 06/30/*** *** in fact authorized the payment of $If *** *** still wants a refund issued to her checking account ending in ***, her account with *** *** will be three months past due and she will need to pay it through a different methodI encourage *** *** to contact me directly so that we can discuss her payment options more in detailMy toll free number is *** *** ***

In response to the review
received:
Mr*** entered into a
Contract with *** Financial, Incon January 9,
at 2:18pm for a personal
loan in the amount of $1,(contract attached)This money was deposited into
Mr***’s account ending in last digits of Mr*** was initially set
up on allottments to repay this loan as outlined in the contract, but payments
ceased in August of No further payments were made, and the remaining
defaulted balance was placed with Monterey Collections on February 2,
Mr*** spoke to the
Collections Supervisor today at 2:33pm PST, where the above facts were
explained to him where he indicated that he was in the Airforce at that time,
and that he would call our office back by the end of next week to resolve the
outstanding balanceShould he have any further questions or concerns, he may
reach our office toll-free at 877-775-
Sincerely,
*** ***
Senior Manager of
Finance & Quality Assurance
Monterey Financial
Services, LLC

In response to the complaint received: Monterey Financial Services, LLC has been advised by *** *** that Ms*** concerns have been resolved and the contract is cancelled thanks to the direct support of ***
***This customer signed a lease agreement with *** ***
Monterey
Financial provides third-party billing services to financing customers of ***
***In the agreement, the customer was provided with a flexible early
buyout option and a 30-day satisfaction guarantee option, neither of which was
satisfactory to the customerFor specific contract matters, Monterey Financial refers all customer concerns directly to *** ***, where as stated, they have satisfactorily addressed her concerns. Regards, *** *** Senior Manager of Finance and Quality AssuranceMonterey Financial Services, LLC