Citifinancial

In response to the rejection
received:
As outlined in the
original response, Mr. [redacted] entered into a contract with [redacted] on June 16, 2017
(contract previously attached). This contract was assigned to Monterey
Financial Services, LLC on June 23, 2017 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 2 scheduled payments (both on
July 10th)  per the terms of
his contract.
On July 13, 2017 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 agreement. Notification of this account transfer was sent to Mr.
[redacted] on July 14, 2017 (copy of the notification also previously attached). Monterey
has no control over Mr. [redacted]’s email, but the notification of transfer was
sent as outlined. Also, 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, 2017 (again contrary to
his claims), to which Mr. [redacted] did not respond. If Mr. [redacted] has questions
related to the services of [redacted], I suggest that he reach out to them and resolve
whatever questions he has.
I 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 paid. I urge
him to contact our office today, toll free at 877-399-6374 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 wait 10 days for the business to perform this action and, when 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.
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 $1999.99 plus interest for 14 months.  [redacted] the person selling me the Maltese told me that I was approved for $5,000.00. [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 2 hours, there were all kinds of confusion with getting the sale to go through my email address. They were having a hard time sending me information.  So, we did it over the phone and the papers were faxed to the store. By 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 $1,999.99.  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 14 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 9 months old and is over 10 pounds.  I don’t think it is a pure breed.  So, I went online to find a test kit that I can buy for $70.00 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 2 other people that had the same problem with [redacted] and [redacted].  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 $1500.00 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 14 months are done.  The only difference is I will pay with a check mailed to [redacted]/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 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 12-5 and 12-30 to resolve the Montoya's delinquent account status. These dates and amounts were authorized, and reiterated in the phone call occurring on 12-5-16 at 3:38pm. Again, 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 1-20-17. Sincerely[redacted]Senior Manager of Finance and Quality AssuranceMonterey Financial Services, LLC

In response to the rejection received:
The Promissory Note and Security Agreement was presented to [redacted] in it's entirety. The agreement clearly outlines and differentiates the amount financed v. the Total of Payments. This entire document (which contained the "Notice of Intent to Assign") was reviewed, and e-signed by [redacted] on 9-4-14. 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 her. Monterey 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 contract. Once again I urge [redacted] to contact a Monterey Representative to bring her account in good standing. She 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 [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 2 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 3 month and ** never sold it as promised for about 4 years. as  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 ** 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:
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 1-13-15 to service the...

terms of the lease agreement. Upon 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 agreement. Monterey 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 11-16-15.
Sincerely
[redacted]
Finance Manager
Monterey Financial Services Inc.

Good Afternoon,Mr [redacted] claimed he would be in town the week of the 26th of May, and that he was out of town until then.  On the morning of the 26th he emails [redacted], the owner,  telling him we were nothing but "lip service" of which I sent him a reply that we were happy to see he was back in town and that if he could please call or email times to meet. I also asked him in that email if he could please give us a decision (per the previous email we sent him and the Revdex.com) on whether he wanted the blower or the stand pipe for the air loop to encourage the venturi action of the spa therapies.  We received no further response that day.  We called him the next day to confirm whether he received the email and to again request a time for an appointment to meet with him and what his decision was.  He did not respond that day either.  HE finally called [redacted] our service and warranty department back on Friday, last week, the 29th.  An appointment has been set for Monday, June 8 to go out to his property.  Yet his request was for a different action to be done.  Now he would like his spa jets to be blown out, stating one of the therapies is clogged.  This is a completely new complaint and separate from the issue that he originally contacted us and Revdex.com about.  He has yet to resolve the question, would he like a blower or air loop line and so the long term solution remains.  The fact is that the equipment is 70 ft away.  IF he wants better therapy action, the blower or a stand pipe for the air line is the ONLY other viable solutions to the issue that he claims he doesn't have the same therapy action as he has had in his other spas over the years. [redacted] will be bringing a blower motor and plumbing to enable us to add this if he chooses on Monday, but if he only wants a therapy head blown out, then we will accommodate him but the long term solution will remain unresolved if he cannot or will not give us the choice to remedy the issue.As he has refused to respond to me, I am sending this directly to you in hopes he receives this well and we can come to a long term solution.

In response to the
complaint received:
Just Military Loans sent
an unpaid balance of Mr. [redacted] to Monterey...

Collection Services on February
2, 2017. This unpaid balance is derived from a loan that Mr. Melhuish opened on
July 5, 2011 (contract attached) which was e-signed. Monterey Collection
Services only has record of one account placed for collection, not two as he
claims in this complaint. Monterey Collections has received no correspondence,
or contact from Mr. Melhuish for the account that is currently in the Monterey
system. As Monterey has received no contact whether it be written or verbal,
there was no notification of any dispute. However, upon receipt of this
complaint, Monterey has noted the dispute accordingly. Mr. Melhuish claims to
have copies of correspondence and credit reports to substantiate his claims. I
urge Mr. Melhuish to contact our office toll free at 877-775-3091 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 rejection received: As outlined in the last response to the initial complaint received, "Her final payment was scheduled for 08/01/17 which has now been paid." However, on 9-19-17 Monterey Financial received a charge back from Visa for the 8-1-17 payment that was made, thus leaving this balance unpaid, and now currently past due for the August payment. I urge Ms. [redacted] to contact our office today to make the necessary arrangements to satisfy her obligation to this final payment. She may reach our office toll free at 877-775-3080 to make the necessary arrangements. Sincerely, [redacted]Senior Manager of Finance & Quality AssuranceMonterey Financial Services, LLC

In response to the rejection received:
Despite the fact that [redacted] is contractually obligated to pay over $400 as recently quoted, WAGS has agreed to honor the $318 as payment in full to clear up any confusion [redacted] has had related to the lease terms. This amount will need to be paid by 9-25-15. He may reach a Monterey representative toll free at [redacted] to execute this buyout.
Sincerely
[redacted]
Manager
Monterey Financial Services

Mr. [redacted],I do apologize that you feel your spa is not functioning correctly. The way spa jets function is this: You have plumbing that loops around the spa that is fed water by the filtration pump and that water exit's the therapy jet orifices. There is a secondary loop that is...

located immediately above this water loop and contains air. It is attached to the water loop below via Tee's (I've attached a photo illustrating this) the concept is when water passes underneath, it will draw in air and mix it to create the therapeutic action, we call this a venturi effect. Because your spa is raised 18", as well as the fact that your pool equipment is over 50' away from the spa, it requires an mechanical air blower to assist in creating this venturi effect. The spa is simply too far out of theground and too far from the equipment to function without this air blower. The design of your spa is very standard, and a air blower is a very normal practice in the swimming pool industry. Your claim that the spa jets functioned without the blower initially is due to a leak that was located in a valve box near the spa, which allowed air to enter the lines and assist the venturi. Unfortunately this also allowed water to leak out. This leak was fixed when we removed the 3 way valve that controlled your water feature per your request when we looped the plumbing to change how the water feature operates. The leak was fixed during the process, which is now allowing the spa to function as it should. We have offered and can still do a airline within 8' of the spa, which will be a stand pipe that finishes above water, and will assist in allowing more air into the lines due to it's closer proximity to the spa. We have also offered a smaller air blower to reduce the force of the jets. Additionally, we are willing to come out and test different pump speeds on your variable pump to determine if any of them are more desirable for you. Best Regards,[redacted]

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 office. On 2-4-17, Ms. [redacted] contacted Monterey Financial Services, LLC and indicated that she had already paid the account in full....

On 2-6-17 Monterey Financial Services LLC was notified by Emporium that the contract was placed with Monterey Financial Services in error. Monterey has closed the account in question accordingly, and has taken the necessary steps to have any credit reporting removed from her credit report. I 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 877-399-6374.
Sincerely,
[redacted]
Senior Manager of Finance & Quality Assurance
Monterey Financial Services, LLC

In response to the complaint received: There was a miscommunication with the initial Monterey representative Ms. [redacted] spoke with on 5-17-17. As a result of the miscommunication, a payment was drafted in error. Upon 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. [redacted]’s bank to have the fees incurred on her bank’s end waived as well. I sincerely apologize for any inconvenience this may have caused Ms. [redacted]. I urge her to contact our office toll free at 877-399-6374 should she need any further assistance.   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.
Regards,
[redacted]
From the very beginning in store I was not aware of the circumstances surrounding this lease. Once the salesman alerted me to the stipulations I was "told I could NOT" get out of the lease!! I called the [redacted] Lending as soon as I got the email to void this as well ... to my dismay they told me I had to proceed with this lease. I'm on disability and I'm unable to pay 3X the original price of the two pieces of furniture. $1800 is the balance due. They are reporting over $5000 on my credit report. This is unfair and unethical! These companies have been rude and no way negotiable! Please help!

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.
So I had a complaint about this same company before. The complaint number was [redacted]. I am trying to pay off a loan in a buyout plan which is a discounted price from the amount they had doubled. So they told me my buyout plan is $3,103 to be paid. So I used my credit card to pay that amount off on October 26,2017. So today on October 30,2017, a lady called me and said that my credit card was declined and trust me I have credit available its a new credit card. She also said there was a $30 fee or however much the fee is and charged me more towards my total just because my credit card was declined. She did not give me a reason why. I have been having issues with this company and they are always charging a fee. I just want to pay off my total that I was told before and finish with them. This is the second complaint with this company from me.
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 bank. She 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, 2017 (copy of
contract attached)where the account was assigned to Monterey Financial
Services, LLC to process the payments outlined in the contract. Her account was
set up on automatic draft at the inception of the lease. On February 25, 2017,
Ms. [redacted] made a payment in the amount of $300 in addition to the regular
payment amount made that month. Due to the prepaid status of the account the
automatic draft did not attempt to draft from her account. She has since
contacted our office where this was explained to her, and Monterey has refunded
Ms. [redacted] $143.19 on 5-9-17. Ms. [redacted] is still eligible for an early
buyout per the terms in the attached contract, and may reach a representative
toll-free at 877-399-6374 to make the necessary arrangements.
 
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.

In response to the complaint received: As previously stated Ms. [redacted] signed the attached lease agreement with [redacted] on 4/13/16 which clearly proves the statute of limitations has not expired.  I have provided a copy of the lease agreement again which shows in clause 19 that the lessor intends to assign the contract to a third party.  The assignment notice was mailed to Ms. [redacted] on 4/18/16 and a copy was provided with my last response.   I have attached another copy of the letter. I have attached a copy of the payment history on the account as well as evidence of our collections license for the state of North Carolina. I have provided all information that Ms. [redacted] has requested.   The defaulted balance is due and the account will continue to report as a disputed collection account.  I strongly encourage Ms. [redacted] to contact our office at 877-775-3091 to set up arrangements to resolve this matter.   We are willing to work with her on payment arrangements however she needs to contact our office directly.   Sincerely,   [redacted] Collections Manager Monterey Financial Services, LLC Tell us why here...