Debt collection -- Took or threatened to take negative or legal action -- Complaint #20790310
Complaint Overview
Complaint ID: 20790310
Company: Monterey Financial Services LLC
Product: Debt collection
Sub-Product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-Issue: Threatened or suggested your credit would be damaged
State: Virginia
ZIP Code: 229XX
Date Received: 2026-03-30T12:00:00-05:00
Date Sent to Company: 2026-03-30T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
On XXXX attempted to contact company about a dept on my credit from Monterey Financial was told this will have a negative impact on my scores if not addressed immediately
Frequently Asked Questions
What is Complaint #20790310 about?
Complaint #20790310 was filed against Monterey Financial Services LLC regarding Debt collection specifically about Took or threatened to take negative or legal action. It was received by the CFPB on 2026-03-30T12:00:00-05:00.
How did Monterey Financial Services LLC respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against Monterey Financial Services LLC?
Yes, visit the Monterey Financial Services LLC company profile at readthecomplaint.com/company/monterey-financial-services-llc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.