Debt collection -- Communication tactics -- Complaint #4680851
Complaint Overview
Complaint ID: 4680851
Company: Monterey Financial Services LLC
Product: Debt collection
Sub-Product: Other debt
Issue: Communication tactics
Sub-Issue: Frequent or repeated calls
State: Virginia
ZIP Code: 22191
Date Received: 2021-08-31T12:00:00-05:00
Date Sent to Company: 2021-08-31T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Unauthorized use of credit report. Several violations of FCRA, FDCPA, and Truth in Lending Act have happened against me, a Federally Protected Consumer. Before cease and desist was sent I was being called regularly by Monterey Financial Services during working hours and being harassed. They have left multiple automated messages on my phone in which are saved, date such as the XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX etc. Also, other violations which were noted in a certified mail letter and delivered by USPS system on the XX/XX/XXXX which include 9 other violations. Monterey is civilly liable for knowingly violating me.
Frequently Asked Questions
What is Complaint #4680851 about?
Complaint #4680851 was filed against Monterey Financial Services LLC regarding Debt collection specifically about Communication tactics. It was received by the CFPB on 2021-08-31T12:00:00-05:00.
How did Monterey Financial Services LLC respond to this complaint?
The company responded with: "Closed with non-monetary relief". 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.