Anonymous
map-marker Hollywood, Florida

Rude customer service

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recenty lost my job, my industry is typically slow during holidays making finding a new job a little harder, when asking for a extension or help until i get another job, i get told "you should of found a job by now" very rude people... considering not paying and just filing bankruptcy so i can get away from this terrible company
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User's recommendation: stay away

Heather S Jdm

Crooks

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I took out a loan for $370 for 6 months. Paid extra every single month and because I didnt make the last payment by the payment date (5 days after) they charged me another $75! Do not do business with them, and if there is a website that uses themdo not do a loan because they will charge more!!!
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Loss:
$75

Preferred solution: Price reduction

User's recommendation: Do not use them crooks!!!!

Loraine M Rmd

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Verified Reviewer

I didn't sign or even have an account with these people. I was only trying to further my career so I joined career step which is a complete scam.

In August I wanted to further my schooling and a program called career step called me and of course it sounded so good the lady sounded genuine and awesome. Only to find out months later it was a complete and total scam. My books never came in the mail, I had mystery charges from California on my card. And now I'm getting all these emails and calls from this Monterey financial but even when I answer their phone calls it's all an automated message. I'm filing a police report how can I move on? I haven't paid these people a cent don't even have a Monterey account any help?
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Preferred solution: Advice

User's recommendation: Don't do any business with people who are partnered with this service

Tor S Ksg

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Verified Reviewer
| map-marker Lakefield, Minnesota

Medtronic

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I've several phone calls from you about payment failure or not working card. Like I've been asking for over and over again, is for you to make sure you get my payment out of my account and Visa card ending in 9029 the 20th every month. This month by the way, ive got my Norwegian pension inn on my account today the 19th. Please make sure you get what I owe for this month today!! Regards TorM. Solvang
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Anonymous
map-marker Temple Hills, Maryland

To payoff my student loan

Thank you my student pay off debt was accepted and process there are no further issues I appreciate the assistance
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Anonymous
map-marker Bellevue, Washington

Pay off payment

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Very helpful very friendly answered my questions very quickly, and was very respectful they know exactly what I was talking about. They got straight to the answer, and was able to give me answers to what I needed. Very very, very helpful people.
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User's recommendation: Yes, absolutely

Joe F Qqd
map-marker Montgomery, Texas

Fraud

Do not use this company. This is an unethical organization that purposely misleads consumers and gouges consumers financially.
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Loss:
$600

Preferred solution: Price reduction

User's recommendation: Do Not use - Avoid like the plauge!

Anonymous
map-marker Ewa Beach, Hawaii

My account

Hello, My account went to collections and I don't know how to contact anyone to pay it in full. Can I get a number or contact of whom I should talk to please? Thank you, Joyce Nieto
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Anonymous
map-marker Fayetteville, North Carolina

Payment

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Me and my wife purchased a Kirby vacuum in 2018, we were told we would be paying $60 a month for this $1500 vacuum. Turns out we were getting charged a 17.0% interest rate and have been paying for the stupid vacuum still to this day, we totally got scammed, I never signed a document agreeing to that heinous rate. Theyre a bunch of scamming *** and they need to be put out of business. When I asked for proof of the document they claimed its in my email, it wasnt... they said theyd send it to me.... they didnt. They ONLY WANT YOUR MONEY and dont give a *** about you, I missed one payment with them and they added $200 to my amount owed and dropped my credit score 20 points for one missed payment.
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User's recommendation: If you’re looking to finance something, ask who the company is and if it’s Monteray get outta there as fast as you can. DO NOT SIGN ANYTHING.

1 comment
Guest

" DO NOT SIGN ANYTHING" What is it, you signed something or you didn't? What do you mean it "turns out" your rate is 17%?

Here's the thing, you didn't bother to READ or UNDERSTAND the terms and now want to whine.

If you didn't sign anything, you wouldn't have been making payments. Typical serial deadbeat noise.

Tarshae J

Billing

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I took my account off auto-pay because when I switch banks for the last 2 months it was an issue. This current payment due 12\20\2020 I paid online my bill on the December, 20th 2020 at 8 a.m. this morning there should not have been an additional charge it should have been $245.75 due not $291 and some odd cents this morning. I don't feel that's right to me the consumer. I made it my business to facilitate the payments hone in order to process on time and I made sure to be on time. Furthermore, I should receive a credit to my account. This has been a real inconvenience to me. I should not be held liable for additional fees. I'm not satisfied with the service I'm receiving from this loan company.
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Preferred solution: I feel a righteous resolution would be to credit and waive any late fees

Robert J Lps

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Verified Reviewer

Collector for a predator lender

I purchased two handguns from Buds over the internet. Buds offered me financing and foolishly I accepted. The financing was through a second party, Credova Financial LLC. The contract was written with "Buds Gun Shop" on the contract. (I was told by an associate of Buds they never see the contract.) Credova then turns the contract over to Monterey Financial LLC for collection. I have no one to blame for overlooking the interest rate of 141 %! These people who Buds aligned themselves with are predators. This purchase was over the internet and it took awhile to get the firearms. They also did not charge me the required tax. I think Buds would be better served to sever their relationship with Credova Financial LLC. It is Buds name on the contract NOT CREDOVA. If you made the same foolish mistake, I recommend you request a copy of your contract and send it to your states Attorney General for review. I would also contact your states Banking Commission. Since the contract was over the internet, there may be some provisions with your state laws. GOOD LUCK
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Preferred solution: release me from contract without a nondisclosure agreement

1 comment
Guest

So, you're saying it's best to READ and UNDERSTAND any contract before entering it? Great idea. What's your next revelation, a cure for cancer.

Anonymous
map-marker Turtle Creek, Pennsylvania

Check your contract and check with your state

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Monterey Financial works with predatory lenders to collect a debt.
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User's recommendation: Monterey Financial works with predatory lenders to collect money due. Many of the contracts have an arbratration clause. This is how they get you. BUT many of the lenders are not licensed to do business in your state and each state has their own banking laws and limits. Some state laws have a clause that makes the "contract" invalid if the lenders is not licensed in their state. Pay perticular attention to online financing laws for your state.

Richard R Bbj

Poor customer service, not communication

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I had contacted Monterey Financial Services saying I would be late on my April 1st, 2020 payment on March 30th through email because of Covid 19 lost income. On April 4th I received a dunning notice they were threatening turning a report over to the Credit Reporting Agencies.
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Preferred solution: Pay the company direct without going through doxo or other websites which charge absorbent fees.

User's recommendation: stay away

Jo H Fsc

Don’t use them for anything

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I bought a puppy from charm city for $2000.00. I found out that I have to pay for her with Monterey. My total now is over $6000.00. They told me when Im finished paying that, I have to pay more money if I want to keep the puppy. They also charge me $10.00 more every month because I wont let them take it out of my account. They told me there is no payoff amount. Theyre a ripoff and thieves. I also dont recommend getting a puppy from charm city. I was told they are a puppy mill. I would give this company 0 stars if I could.
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Reason of review:
Pricing issue

Preferred solution: Price reduction

Alvin S Yir

Avoid at all costs

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hard to get information, percentage on loans out of sight high. They make it very difficult to pay off early. they love to pray on the uninformed
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Pros:
  • Bunch of thieves
Cons:
  • Exist

Preferred solution: will discuss

Diana S Ajb

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer

DON'T GET INVOLVED WITH THIS COMPANY

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I bought a desert eagle from Budsgun shop using credova credit company. They offered 90 days interest free and I accepted because I knew I would have paid it off within time given me.

Next thing I know, I got an email from Monterey financial two months ago stating that they now have my account. No big deal, I thought! I was going to pay $1878.15 with no interest. They deducted $194 each month for two months.

I went through my emails this morning to find their information to the pay off $1491, and to my amazement, I saw that I owed 2001.95 instead. I am calling first thing in the morning to speak with customer services from both companies (Credova and Monterey) to pay the 1491 and not a penny more.

They have met with the RIGHT person. They have to take the money I rightfully owe them and have it as paid in full, or not get paid at all.

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Loss:
$512
Reason of review:
I am still within my 90 days of interest free payment

Preferred solution: I don't owe any interest

About

Summary

Monterey Financial Services Inc. is a financial services company. The company was founded in 1989. Monterey Financial Services is headquartered in Oceanside, California. The company was founded as a collection company, and then a loan servicing division and finance company were added. Monterey Financial Services is considered to be one of the most reputable companies in California. The company offers a wide range of financial services to its customers that include collections, loan servicing and processing, home mortgage, and so much more. Monterey Financial Services claims to put the customers first. Besides, Monterey Financial Services is one of the most employee friendly companies in the industry.

Monterey Financial Services reviews and complaints

Monterey Financial Services is ranked 593 out of 3936 in Financial Services category

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