Citifinancial

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 find that this resolution would be satisfactory to me.  I will reach out to [redacted] tomorrow in hopes of termination. I also want to state that there was no printed copy given by [redacted] of the contract. It 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 cat. Of course he's going to tell you otherwise but anyways I'll reach out to [redacted] tomorrow and hopefully we can get this resolved. The 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 fact. I 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. As I stated before, this company has no signed or verbal contract with me. They have no right to have any derogatory remarks on my credit reports. This is in violation of my rights. 
Regards,
[redacted]

In response to the complaint
received:
Ms. [redacted] entered into
a contract for the purchase of a vacuum on August 18,...

2015 (copy of contract
attached). Ms. [redacted] defaulted on the repayment terms of the contract after
making only one of the scheduled 36 payments. On February 9, 2017, this
defaulted contract was placed with Monterey Collections as a result of Ms. [redacted]’s
default. The required notifications were sent to Ms. [redacted] at that time. Ms.
[redacted] sent a fax to Monterey on May 11, 2017 outlining her dispute and refusal
to pay. On this date, Monterey immediately noted her account as disputed and
ceased collection activity accordingly. As 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 accordingly. I urge Ms. [redacted] to
contact our office toll free at 877-775-3091 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 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 attached. Quite 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 review received: Mr. [redacted] entered into 2 Contracts with [redacted] Inc. [redacted] on February 01, 2014 (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, 2015 due to his default of the contracts. All of the required notifications were sent to Mr. [redacted] at this time, which outlined his right to dispute the validity of the debt. He did not do so. In fact all attempts made by representatives of Monterey to discuss the matter with Mr. [redacted] have been ignored to date. In December of 2015 Monterey received disputes on the accounts via the credit reporting agencies where the accounts were marked as disputed accordingly. Monterey 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 claims. As such, the defaulted contracts will continue to report accurately as disputed Collections items on his credit report. I urge him to contact our office today toll free at 877-775-3091 to resolve the defaulted balances of $4515, and $2535 including all accrued fees.   Sincerely, [redacted] Senior Manager of Finance & Quality Assurance Monterey Financial Services, LLC

In Response to the complaint received:
[redacted] financed a lease through Monterey Financial Services for the purchase of a dog on 7-2-15 as she indicates. This account was also paid in full on 2-15-16 as she outlines. The account was reported to the credit reporting agencies accordingly as of...

2-29-16. 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 $0 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 rejection received: As outlined in the original complaint, Ms. [redacted] entered into a contract for the purchase of a vacuum on August 18, 2015 (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 purchase. Due 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 Services. Once again, as outlined in the initial response, I urge Ms. [redacted] to contact our office toll free at 877-775-3091 to make the necessary arrangements to satisfy her obligation to this defaulted contract. Sincerely, [redacted]Senior Manager of Finance & Quality AssuranceMonterey 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.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 charges. I don't think the nearly 200 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 are. Simply review their complaints online and you will see exactly what I am saying is being said by many others. Why? Because that is what they do. Also, 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 sure. However, 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 so. Then they said I could check it online, and I did, but all that was there was the ORIGINAL CONTRACT. This is very easy to understand and clearly truthful considering the amount of people online with the same exact complaints as me. Monterey 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 amount. And 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 up. Before 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 out. I 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]

In response to the rejection received,
Monterey Financial Services has taken [redacted] concerns outlined in his rejection to [redacted], and has been advised that [redacted] has agreed to cancel [redacted] lease contract. Monterey Financial Services Inc. has subsequently closed the account as paid in full.
 
Sincerely,
[redacted]
Finance Manager
Monterey Financial Services

In Response to the complaint received: [redacted] placed an unpaid balance of $481.53 with Monterey Collections on 8-15-16. At this time Monterey sent out written notification of the debt placed to [redacted], where it was outlined that if she disputed the debt, that she do so in writing within 30 days in order for the debt to be validated.
No such dispute was received from [redacted] contacted Monterey Collections on 10-18-16, where she indicated she saw the item reported on her credit as she indicates in her complaint. Subsequent to her conversation with the Monterey Collections representative, Monterey Collections took the necessary steps to have the debt validated. I apologize if there was any miscommunication between [redacted] and the representative of Monterey.
To this date, Monterey Collections has not received validation of the debt from [redacted], and as such, has closed the account accordingly and has already taken the necessary measures to have the item removed from [redacted]s' credit. I've attached a copy of the deletion transmittal. This deletion can take some time for the credit bureaus to process, and it's imperative that [redacted] does not file another Consumer Dispute Verification while the deletion is processing, or the deletion will be over-ridden. [redacted] can reach a representative toll free at [redacted] with any further questions.
Sincerely,
[redacted]
Senior Manager of Finance and Quality Assurance

As previously stated, item 12 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

In response to the rejection received:
 I've attached a copy of the [redacted] transaction history, outlining all payments made. As pointed out in the original response, the [redacted] account became severely delinquent after the initial payment in October. As of January 14th, the [redacted] account was past due for 3 monthly payments, accrued fees, and interest. Since [redacted] indicated he was having financial difficulty at the time, the Monterey Financial representative he spoke with agreed to reduce the monthly payments (to temporarily make partial contractual payments), and add the amount that was past due at the time to the end of the loan to avoid further fees, and to resolve the delinquent status of the account.
I apologize if there was any miscommunication related to the financial assistance that was discussed and executed, but, as can be seen in the transaction history, the [redacted] have paid $545.34 in principle & interest to date, where they are in fact contractually due for $1263.06. If they wish, Monterey can certainly reverse the aging that was done on the account & increase the monthly payment amount back to the amount agreed upon in the contract, but this would make the account immediately due for $717.72 in past due payments, and would report accordingly on the Prater's credit report. Otherwise, the account is currently in good standing with the next scheduled payment scheduled to be paid on 7-1-16. I urge [redacted] to contact our office toll free at [redacted] with any further questions of concerns.
Sincerely,
[redacted]
Finance Manager
Monterey Financial Services

In response to the complaint received: Ms. [redacted] entered into a Closed End Consumer Product Lease (Lease#[redacted]) with Nextep Funding  on June 09, 2017. On that day, the retailer (Pet World of Virginia) drafted, and Ms. [redacted] voluntarily entered into this lease. All Nextep Funding agreements are sent electronically to the email address provided in the consumer’s application. This is done for security and protection of the consumers. Nextep Funding provides a courtesy cover page included on all lease agreements. On 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 term. According 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 $322.44 (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 standing. She 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

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 company is lying. I did call Monterey Finicial and left messages!!! I even called[redacted] to explain to them my issue..
I'm sure they have my calls there. Monterey Finicial is lying. I am not sure what steps to take now.. This is so bizarre!!!! I can't believe that company!!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.
The reason Monterey cannot provide payment history is because there was no payment history and there was no vacuum cleaner purchased. 
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.

On...

October 23, 2015 [redacted]) assigned 3 different accounts for the 2014 defaulted maintenance fees under the name of [redacted] to Monterey Collections. We mailed out the initial dunning notice on all accounts to [redacted] immediately. We attempted to reach [redacted] several times to no avail.
On January 29, 2016 we received a request from [redacted] to provide a copy of the contract as she was disputing the debt. We flagged the debt as disputed and requested proof of debt from our client ([redacted]). In reviewing the notes with the prior servicer, it shows the account was originally under the name of [redacted].
On August 4, 1997 [redacted] called the prior servicer to request to have the account transferred into her name as [redacted] was now deceased. On September 9, 2002 the prior servicer transferred the name on the account from [redacted] to [redacted] at the request of [redacted] paid for the maintenance fees on all three accounts up through the 2013 maintenance fees. She defaulted on the 2014 maintenance fees which we then placed with Monterey Collections. When we finally received a copy of the original contract, it showed the debt was under [redacted] name.
We then requested our client search for a transfer document showing the transfer from [redacted] to [redacted]. Our client was unable to locate any such document for any of the accounts and thus we have flagged the accounts as cancelled and requested all credit reporting be removed. Should you have any questions, please feel free to contact me directly.
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 be
 
We have our credit card statement as well as I have the payment information from their website.  The contract was signed in August of 2015 and the first payment was September 25, 2015, when I asked the customer service rep about that payment she stated she 
do not know what happened to that payment.  She also stated that we were behind on January, Febuary, and March payment.  Now they stated we never paid November, December, and January.  Our credit card information was stolen inn December (have a letter from bank to confirm this information) we suspect someone from their company but have no proof because no one can explain where are our payments.
 
 Once again if we were behind on payments [redacted] started in November why did they started calling us in January about missing payments (have cell phone records to prove this information).  According to our credit reports they stated we were in gooding standing during the months they stated we were behind in payments; so which one is it were late on our payments or were we in good standing on our payments (have proof of that information as well)?
 
 According to our contract we have a grace period of 10 days to make a payment before it is considered late $25 late fee, why are we charged a $60-85 late fee? Now as far as July payment it is not problem this company do not update their computer system because a payment was made on July 7, 2015, in the amount of $150.  We also have phone records to show they were calling us numerous times in a day even with paymets was taken from the credit card, I called the customer service rep stated the system automaticly calls when a payment was due over the weekend, but once again if the payment was automaticly draft why the harassment.  We are not agreeing to take this contract back to any date and paying any additional payments, they to explain where are our payments that was drafted from our credit card.
 
 I have tried communicating with this company and did not get any results so any futher communication will be done through the Revdex.com or an attorney.Regards,[redacted] [redacted]

Initial Business Response /* (1000, 5, 2015/07/13) */
Sparkling Pools And Spas Policy clearly states on both the receipt of purchase as well as in store that we will charge a 15% Restocking Charge within 14 days of the purchase.
The item the customer was returning was wet indicating to us it...

had been used which is why we decided to refund the amount of the purchase less the re stocking charge as per our policy.
Initial Consumer Rebuttal /* (3000, 7, 2015/07/14) */
(The consumer indicated he/she DID NOT accept the response from the business.)
If you sell someone the wrong product, DO NOT TELL them about the restoking fee and then charge it to them once they return because it doesn't fit after trying it [redacted]..
They said it was suppose to replace the [redacted] cartridge and it does not and never did..
[redacted]
Nothing except full refund will be satisfactory
Final Business Response /* (4000, 9, 2015/07/17) */
Hi [redacted],
My name is [redacted]
I gave you quick call to let know the following.
I have authorized for a cheque to be done up for the amount of $24.00 plus tax and I will get it mailed out to you first thing Monday morning.
I do apologize for any inconvenience this may have caused you.
Thanks.
[redacted]
Sparkling Pools And Spas
[redacted]