Debt collection -- Communication tactics -- Complaint #9565390
Complaint Overview
Complaint ID: 9565390
Company: Monterey Financial Services LLC
Product: Debt collection
Sub-Product: I do not know
Issue: Communication tactics
Sub-Issue: Called before 8am or after 9pm
State: Florida
ZIP Code: 33331
Date Received: 2024-07-19T12:00:00-05:00
Date Sent to Company: 2024-07-19T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX XX/XX/XXXX MONTEREY COLLECTION SV XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX Subject : Dispute of Incorrect Information on Credit Report Dear Sir/Madam , I am writing to formally dispute the accuracy of information contained in my credit report. Please investigate the following item : - Account Number : XXXX - Creditor Name : XXXXONTEREY COLLECTION SV ( Original Creditor : XXXX XXXX XXXX XXXX XXXX - Type of Account : Credit - Date of Account Opening : XX/XX/XXXX - Description of Inaccuracy : Incorrect balance, late payments reported and address is inaccurately As per the Fair Credit Reporting Act ( FCRA ), and specifically under XXXX5 USC 1692c of the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are prohibited from reporting inaccurate or misleading information. I am exercising my rights under these statutes to request that you investigate this matter promptly and correct or remove the inaccurate information from my credit report. According to 15 USC 1692c, debt collectors must also cease communication with consumers upon written request if the consumer is represented by an attorney with regard to the debt. Please ensure that all communications regarding this disputed item comply with these legal requirements. Please provide me with a written confirmation of the actions taken once your investigation is complete. You can reach me at the address listed above or by phone at [ Your Phone Number ] if you require any further information. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #9565390 about?
Complaint #9565390 was filed against Monterey Financial Services LLC regarding Debt collection specifically about Communication tactics. It was received by the CFPB on 2024-07-19T12:00:00-05:00.
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.