CFPB Complaint

Monterey Financial Services LLC – CFPB Complaint ID 2808509

Consumer Complaint Submission

Date Received: 2018-02-08T00:00:00

Product: Payday loan debt

Issue: Communication tactics

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: This debt is placed in collections on my credit report under Monterey Collections, they say I owe them {$560.00}. As I never signed a legally binding contract with that collection agency. I disputed this debt with all 3 credit bureaus and wrote the address listed on my credit report asking them to validate the debt with them by sending a contract. They have since then, sent me emails, sent a contract and are now calling and leaving voicemails on my phone. I have since then responded and asked that they only communicate thru US mail, as debt collectors are very aggressive and rude people. I then got another repeated email from this company as soon as I hang up the phone. ( shown in the proof ). They sent a contract thru the mail, which has an e-signature on it, they say I signed for, and address that I do not live at and a social security number with X ‘s followed by 4 number in which they claim is my social and the original contract that I signed. The contract also says that I agreed to pay XXXX XXXX XXXX and or their successors ( which I am assuming are them ). When I try to look over the original contract in my email, I see that they have disabled the original link with the ORIGINAL contract on it. This contract also says that I agreed to pay the state of DELAWARE, this collection agency is out of XXXX, CA. I reside in North Carolina. I owe no one in California. I am asking for the original contract, an authentication or proof that the alleged e-signature is in fact mine. As I am not obligated to pay back money under a FORGED/edited contract. I feel as though I am being manipulated into paying a credit company that I have not signed a contract with. They are threating to take legal action against me, but have disabled the link showing the original contract so that I no longer have access and have instead sent me a typed up contract.
They keep saying that I had 30 days to respond to the original debt notice sent but they don’t even have my correct address on the alleged loan contract. They only have my current address because I wrote them FIRST.

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Company: Monterey Financial Services LLC


Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 2808509

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