Monterey Financial Services

Please beware of this company... I went to Breeders Club of America in Middletown NJ to buy a dog but the prices were very high so the lady offered me to finance the dog through my pet funding... I filled out the app online then after having the dog and making a couple payments I find out that I'm leasing a dog. I was told I was financing but I'm not dealing with My Pet Funding. It's actually Monterey Financial Services. And to top it off they don't let you see the contract until after you've signed it thinking you're financing the dog.

This is the worst company we have ever gotten a loan from. Over the years, my husband and I have had car loans, a business loan and house loan, and this company is by far the worst. They claimed that they would work with us when my husband lost his job. They told us that they would lower the payment amount, and then tack the remaining amount on at the end of the school loan. Plus interest and late fees (which is completely understandable). Then they decided not to do this, I don't why. And their computer kept calling everyday, putting us on hold for sometimes so long they didn't even answer.

I signed for financing but received a lease for more than the original amount of $2,660. Payments are $230 plus per month for 30 months. I filed with state Attorney General. This is a scam and they are very unreasonable. I don’t eat. I’m disabled and retired. I need a good attorney. Help.

The loan I got from LoanHero was for zero interest for up to a year. It has not even been a year and Monterey Financial has been charging me interest from day one. Then there was a payment made for a little over $3,000 yet my balance due did not budge. I thought when one made a payment the balance due would go down.

They bought my loan from Brilliance Credit. Brilliance originally told them I owed $2876.87. Brilliance then drafted another payment that has now been credited to my account. I made 2 payments to Monterey Financial, in the amounts of $490.00 and $1953.46. So here is the math: -$2876.89, $490.00, $490.00, $1953.46 - $49.14 overpayment due me. They are denying the true fact that they owe me money!!

Received funds from a funding source that used this company for billing. Many times the website wouldn't allow one to make online payments or the only way to make payments was with a phone rep, and you are charged fees for this service. Do not set up autopay. They will mess with your payments! Most of the time you don't know what the additional fees are for, and monthly payments keep increasing. When asking for information, they only give you info that they want you to have. Will pressure you into making a payment by threatening collections, credit report reporting, and robocalls. Even the funding source is looking to change using this company because of similar complaints. Worst experience ever!

Our first loan was great with them. Our second however has been horrible. We had set up for recurring payments that did not happen. Then we received tons of called even at our work after we had gotten in contact and promised a payment. Our loan is 1000... And yet online it shows 1900. Nearly double the loan. Wow. Charges for everything. Being late, not going through, online payments, calling in payments, automatically payments cost extra. I haven't found a context in which they do not charge. Since the hassle now we cannot pay off in 90 days and no one has emailed or called me in my responses. I would like to pay my debt and be done. 1900 is ridiculous.

I financed a car repair with another company. I guess these people collect for and have had my payments on auto pay from the beginning, in October I called and asked how many payments were left since there was no communication during the whole year, I was told 1. When December came around there was a payment taken and I reported it to my bank, and I received a call from them stating I owed an additional payment and made an arrangement to have it paid by automatic draft. Well needless to say they didn't take the payment and then called to tell me that instead of the $95.00 I now owe $160.00 and the rude representative said if I don't pay it she's going to report it to the credit agencies as non payment. I told her they were scam artists and I had never missed a payment or been late and she started yelling at me so I hung up on her. I'm not paying them $160.00.

I am in month number three with this company. My initial auto pay never started then when I finally talked to CS I was informed that auto pay was not a choice even though I was told it was from day one. I signed up online to get the info on my account and make a payment and ended up with an additional 10 dollar fee added onto my payment. Well all of a sudden, after I told the representative that I would put the payment in the mail the next month and that I was not going to call them to say I had put it in the mail, automatic draft miraculously began and I had two payment leave my account at the same time. I really want to give the product back and say good riddance to bad rubbish! Honestly I really think it is the beginning of my problems with this company if I don't hurry to pay them off. I would not recommend this company to anyone. I don't have a order number or receipt but I do have a current account.

My issue is the overinflation or allowed buildup of my bill for account **. I was rudely contacted by a sales rep this evening and spoken to very harshly. And I have never missed a payment. In fact I overpay by hundreds. But what I do see is very questionable lending practices. I have not received a bill or email from your company for payment due dates or reminders. Months were allowed to pass by with NO communication from the lender until a late payment missed. This is unacceptable. I was not given a chance to pay or fulfill the loan agreement at a lesser cost. Yet I was called and spoken to like a serial missed payer. I will alert the public as best as I can through all media outlets not to use your services. Pay more than you need to.

Initially set up to auto pay, then 5-6 months before the end of payment, auto pay is not working anymore, even though you updated everything still autopay is not working, end up paying for late fee of $30, $10 fee for paying online! They’re ripping me off!! I made an online payment coz I don't want any charges again, SURPRISE!! Last transaction double payment!

I normally hate these places, but I have to say I was impressed by the customer service agent I got on the phone. I received a test from Monterey Financial Services about an account going to collections. So, I called them, and they took my information and realized that someone else had used my phone number to open an account they had not been paying on. Instead of a hassling me about it as so many have done, including about US Department of Education student loans I never had, they simply removed my number from the account and apologized several times. The other reviews on here are overall negative, but at least my experience was far easier than any other time this has happened.

I purchased a puppy for $2500 and I had to pay a fee of $275 a month until I could pay off the $2500. The first month you have to pay 2500 to get out of the lease open till the third month you have to pay 2150 to get out of the lease. On the third month I called a day before my loan or if he matured and bought out my lease. They charge me $2400 to buy out the lease. When I complained and said I only owed 2100 They said I was wrong and withdrew the money from my account plus the fee for the next month of $275. When I asked for a copy of the contract they said, "Don’t you have it? Re-emailed it to you." And would not provide any information about my contract. I would like to make a class action suit knowing now that this is happened to you over 100 people already.

I adopted a puppy from a breeder, a beautiful Golden Retriever who was priced at $1200. When I received my funding paperwork I was shocked that it would cost me double by the time I paid off the agreement. So I asked for a payoff balance and that $1284 was actually going to be $1441, this is the amount I had to pay only 2 weeks after adopting the puppy, my first payment with Monterey was not even due! I paid $149 to pick up the puppy, $390 extra just to get out of this lease agreement, thankfully I paid it off or else it would have cost thousands more over time, what a waste!

I'm paying for an online program that uses Monterey Financial to finance their program. I called on Tuesday to ask what my total balance was including all fees and they told me $343.72. I confirmed the balance due several times and emphasized including all fees. They charged $354. My bank declined it. I called their customer service and I was told that they charge an additional fee for payments made online. I clearly asked the rep when I called the first time to confirm the total balance including all fees and I explained I was making the payment online and I was told $343.72. Now they are charging an additional $20 for insufficient payment.

I have received two past due notices for $17.02 in the last three days threatening to turn me over to collections. I have my account set up on a credit card. I call in to see what's going on and am told I didn't pay the August bill on time so every other month is showing to be 30 days late. If I mail in payment it is $23.08. If I pay on the phone right now it is $38.08 because there is a $15 surcharge to pay over the phone on a credit card that is already set up for monthly payments. I'm also charged $6.00 per month just to pay this company. What a joke. This must be how they make their money with ridiculous fees. Be sure no medical you have is ever financed through these people. They are ridiculous.

This company is not set up to smoothly handle accounts. They not only do not pick up but when they call you back out of the blue, they have information that is not updated. Very poorly managed company, and I would recommend avoiding this institution if you can. If a company does not pick up their phone when a consumer calls, they are not in business. When your credit gets hurt, it's too late.

They purchased old timeshare. Note that the company went under and it was $6300. So we kept telling them there is no timeshare bill but all their fees keep totaling up to over $12000.00. We want to purchase a house and this ugly blot won't come off of our credit report. What are we to do?

Hello, my name is Paul, and even though I never suffered from a scam like this a sibling of mine has. My sister and her husband always wanted a pair of huskies. They live in Hamburg, New York and financed 2 dogs in a pet shop in the Erie County area. They paid a huge down payment for the dogs, since both cost over five grand. The dogs were financed under Monterey Financial Services as well. I am amazed at reading all these complaints. I had no idea all of this was happening to so many people. My sister wants to spread the word, which I'm helping her out with.

I had to take out a medical loan and Monterey purchased my loan and I am now making payments on this loan. However, when making payments on this loan through auto draft I saw they were taking a $20.00 fee and never told me that part of my payment would be going toward this fee. I cancelled the auto pay and then called and tried to pay over the phone/internet only to find out that would $10.00 fee just to pay on this principal balance. I made that one payment then was told by someone to just set up bill pay with my bank and then you won't be paying any fees to this company.

I ordered an insulin pump from Minimed and they offered an "interest free" 12 month payoff amount. Little did I know that they hand off their accounts to Monterey Financial Services. Which I would have been fine with if not for Monterey's ridiculous fee structure. When I first got the robocall from them, I thought it was a scammer, but I google searched them and after calling them and Minimed I found out what had happened and made a payment. For my first payment, they charged a $6 "service fee" and then a $15 "other" fee. Apparently, there is a $15 fee for payments over the phone. There's no explanation of what that $6 service fee was.

I took my time and thought I had done my homework, I purchased a puppy from The puppy boutique in Florida. I signed the contract with WAGS hesitantly because of the terms. The worker at The puppy boutique by the name of Glenn assured me that I could do the early buyout, without having to pay the added fees. My baby was $3000, however, the contact stated $9286. I told WAGS and Monterey Financial that they were ** crazy if they thought I was going to pay $9K for my dog. I have left messages and they called me back, no one has been rude because I don't play that. I have agreed to the early buyout paying 2 payments, including the interest of $330. Payment 1 was made in June 2017, before the 15th of the month and the last and final payment will be made this month, July 2017.

This company is the worst. If you are reading this and making payments on your Monterey Financial accounts... You, me and everyone is getting screwed over. I have set up an automatic draft. Twice now they make me pay the 15$ to pay over the phone every time... You're ** now. It's better to let it go into default than pay these guys 110% finance charge and take our money. Look my bill is only 65.07. I really pay 85.07 and only 33.20 goes to my principal. Ok people now pay attention. They lie to us telling us that it's only 18% off but only half is going towards the bill and the other is in their pockets. They will lie and rap everyone who falls into the hanging tree we call Monterey Financial. You and I just got hung.

Opened a loan with the through a pet breeder located in Jacksonville, Florida. This was at the start of 2015. In October 2016 I paid the PAY OFF QUOTE which was nearly $300 after paying $2100+ even though our due was $1500 (true story). I haven't received ANY bills or notifications in the matter. Upon paying them off, they alerted me that there will be NO FINAL BILL OR RECEIPT OF TRANSACTION. What kind of hellish system is that? So there is no proof that I ended my loan with you guys, really?

I bought a puppy and financed it through Monterey Financial. I decided I did not want to be bothered with this company after realizing there is a charge for every damn thing. If you opt out of automatic debit payments, it's $10.00 per payment. If you opt in with automatic payments, it's a $3.00 charge. Either way they are charging you. Also, I financed the puppy for $1600.00. When I looked at the amount I would be paying for the puppy, it would have equated to 350% more than the original price. So I decided to pay it off early. My payoff amount, a little more than $1600.00.

This company does not even deserve one star. I got a good deal at a shop to rebuild my transmission on my truck so I decided to finance through them as this was my only option needing transportation to get to and from work. Everything that I was quoted ended up being higher: payment amounts, interest rate, etc... About 6 months ago I saved up the money to pay the whole loan off in full, I was told everything was good to go, I also have not had a payment come out in over 4 months from my bank account and now this morning they took money from me. Customer Service is God awful, sit on hold for 30 minutes at times only to be talked down to by a customer service rep multiple times. STAY AWAY!

I purchased a water filtration system costing almost $3000.00. The water filter company was using a loan company called Loan Hero. I signed the contracts and faxed them in and was almost immediately approved for the full loan. When my water system arrived, I was in a hurry to install it and accidentally cut a hole too big in my stainless steel sink, but as time went on I started to wonder about my loan. I never received a payment book or even an invoice. They did have my phone number and could have reached me at any time. Two months go by and I call the Loan Hero telephone number that was on my contract. I got a rep (at least I think it was) that said that Loan Hero was not in the financial system except for education and all items were sent out for IMMEDIATE COLLECTION regardless of the contract and hung up. Further attempts only met with non English speaking people.

We wanted to get a small dog for our son and after checking out some local shelters became very frustrated after not finding a pet to love. We googled some area retailers and came across Luxury Puppies. They were great and had a variety of puppies to choose from but. When I was hesitant about the $1100 they suggested I could finance the puppy, which sounded good to us. We drove 20 mins out and looked at the selections of puppies. We fell hard for an adorable toy Yorkie. After spending over an hour there they drew up our Wags Lending approval and suggested some take home items they had available.

This is the 1st negative review I have ever written and they deserve it! I took out a medical loan for surgery almost 2 years ago through United Medical. Monterey Financial bought my loan from them a month or so after I had taken it out. I was making my payments on time and realized that only about $10 was going to my principal each month. Even when making several payments a month, nothing was being applied to the principal. They give you a run around every time you call with questions, the people they have answering the phones are rude and not professional at all, each one tells a different story!

They are scammers. I purchase a dog for 3400. Dummy me didn't read the contract BECAUSE THE GIRL AT Breeders of America told me 3400 and didn't bother pointing out 6400. Definitely the girl didn't explain to me that the company charge you double the price. They give you one price and you wind up paying double 6400. They are scammers... this company is cahoots with many other companies and they should be stop!!!