Monterey Financial Services Reviews

I keep very detailed paperwork and copies of my loan. They never had the amounts paid or remaining balances right. I am now having some last payment due issues. They have a very complicated scheme instead of a straightforward plan. I have to question every transaction because hidden charges keep popping up. BUT I have all my paperwork in order and I paid with credit cards. I will get back with Y'all so soon as I get this clear.

I made an account through Career Step and I wish I really would have read the reviews but this company is the worst. I'm supposed to pay 304.87 a month, I pay on time and even before but they still tell me I have to owe more and more on the following month. I'm 18 and working and stressing and these people really have the nerve to tell me I'm underpaying. Seek here to anyone who's is financing which is actually a freaking loan please don't!

So, I'm behind on my loan. I've been paying what I can to get caught back up. Bailey from Monterey called today to work out some sort of payment plan. First I was offered $140 a week until payments are caught up. I told her, "No, that'll leave me with $20 some dollars a week." She then offered to make my monthly payments $150 for 4 months until I'm caught up. I agreed. She put me on hold for about 15 minutes only to come back and tell me she can't offer me that agreement anymore because I've paid more this month than my original loan. She stated that I'm obviously able to pay my loan if I've paid more. What she fails to realize is $150 of the money I've put toward my loan was a Christmas gift, and I've been letting other things go just to get caught up. She then tells me I need to pay $240 a month, instead of my original loan which is $219. I said, "Ummm no, I'm struggling now as it is. Hence why I'm behind."

We financed a small loan with this company. I had a new credit card issued and forgot to change the info. Called the day after it was declined to resolve the issue. They charged me a NSF fee, late fee, and processing fee even after I explained the situation. The following month I had card restrictions set to accept autopay but not e-commerce and it declined. I called right after bank alerted me and told them what happened and asked them to process it again.

I got a puppy loan from this company for $1800. I paid $200 down for a Yorkie puppy in Houston Texas. The puppy was purchased on a Saturday by the next Saturday the puppy was in the hospital and passed away. The puppy had undergone some type of gastrointestinal surgery prior to being sold to me and had complications. These people told me I should have had an autospy done on the puppy so they could prove what he died from. The Doctor said in the notes what he died from and they still did not want to release me from this contract. This was November 2017. Today is December 2019 and they have turned this over to a collection agency for $5000!! I'm filing a lawsuit because this is harassment and very unethical.

I had to finance payments for my insulin pump, I can’t afford to be on the pump to be honest but I have no choice because it keeps me alive, has to finance the payments. These people that work here have no soul. It’s really sad that they can even sleep at night knowing what they do to people like me, charging excess fees for everything and anything, tried to change my payments to withdrawal on. The first of the month instead of the 15 and they wanted to charge fees! I can only hope that one day they have a friend or family member that goes through what I have to just to stay alive all these excess fees are really a slap in the face. Not sure how these people work for a company like this. I will be filing a complaint with BBB.

I got a loan for a puppy for $1,600 but $4,000. If not paid off in 30 days. I was ok with this. My puppy passed away. They gave me 24 hrs to pay $1,072. I couldn’t come up with the money. So they gave me 3 weeks to come up with $1,135. (They added interest) I paid $205 so my balance was $930. I had 2 days to pay it off, I called today to pay the full amount which was $930.45 plus $15 to pay over the phone. Now they said it’s $1,141.45. $211 more because they forgot to tell me about the interests. Mind you I’m not late on the 3 weeks they gave me. This is total BS!!!

My wife wanted a new dog from a local kennel here in NC. The dog cost $1300.00+ and with the cage, carrier and playpen along with toys with our final price was $1800.00. We were supposed to have a loan through Credova Financial. Two days after I get the dog I get an email from Monterey Financial stating Credova was their client and they changed my account number and added $200.00 to the original loan amount which put it at $4400.00. I understood $4K was what I would pay if I made 27 payments because of finance charges. The "loan" turned out to be a lease agreement. I also found out if I did not pay off the initial amount more than two days prior to the first payment I would owe $3400.00 even if I tried to pay it all off at once, that are be stuck with just going through with the payment arrangements for $4400.00.

I applied for this loan through a mall in Colorado to get a puppy. The loan was for $3,400. (Yes, very expensive for a dog but we really wanted a Golden Retriever) Anyway, we paid $50 for a first month payment upfront and then $263 a month. I called 2 months later to pay off the puppy and they wanted $3,600 to finish my lease. I guess a part of the contract we didn’t see if you pay $550 for an early buyout on top of what you already owe. I told them then I should only owe around $3,300. I was told I owed $3,600 because only $104 of the $263 monthly payment went to the principal and then $159 to interest! This is absolutely insane and nowhere in the contract was that stated. This company is impossibly hard to work with and all they are looking out for is themselves and money.

I took out a loan for a puppy - around $2,800. This company charged me over $6000! It is impossible to pay off this loan with the amount of interest! This must be illegal. When I called to work something out with them - they told me no options were available. At this point I have more than paid off my principal balance and more. Can someone please help me?

So I went to this rejuvenating Lazer Treatment place on Sunset Blvd, Hollywood, CA, for a quote on having the lines around my eyes and forehead disappear. The people were Super friendly and I was offered a “supposedly” good deal package and easy financing. I signed up and got the treatment twice! After 3 months, my lines were visible as before and when I contacted this Company, I was told that they couldn’t do anything about it and that I had to finish paying them because there was a contract. I regret having gone to that place for treatment because it has been 2 years and I’m still paying $2800 for something that only lasted 3 months. A complete scam! We need to report this!

I set up monthly payments on the 15th of each month where they auto withdraw from my account. They draw before the bank opens so it is impossible to get $ in the account on that day, then they charge nsf fees, then you go to call them to make the payment and you wait for the next available representative... Well, there is none. After waiting, they tell you to leave a message or hang up... Then they auto hang up on you. But they say your call is important to them; that is infuriating! The website says it takes 2 days to post a payment, so there will now be late fees, and they tack on a fee for making a payment on their website. No customer service, they will milk you for all they can. In my experiences with other financial institutions, auto withdrawals are done the night of the scheduled payment, not the early morning of. I cannot be finished with them soon enough!

Back in December I went to The Dog House in South Windsor and ended up applying for what I thought was "My Pet Funding" which ultimately ended up being Monterey. Long story short, ended up with a sick puppy Guardia. After being treated by my vet, the puppy was still sick. Took her back to the pet store and she ended up being there for over a month. Now Monterey is trying to collect over $3K, for a puppy that was brought back in January. That amount is double what she would have cost and now call me several times a day, call my place of employment and have reported to credit bureaus. WARNING STAY AWAY FROM MONTEREY FINANCIAL. Still fighting it 4 months later! Do they really think I'm going to pay almost $4K for a puppy I haven't had since January? Wish I had done my homework.

I need help: I'm sorry to say we fell into this pet leasing scam Sunday 4/7/2019 from Pet City off 45 north and FM 1960. We were looking to buy a French bulldog and we found a beautiful girl we fell in love with. Of course we didn't have the $4250 for the puppy, so the sales associate suggested financing and we agreed but at the end we never seen the contract until the deal was completed and emailed to me. We open the email today 4/8/19 and after reading it we were disgusted to find out were leasing our French bulldog with a option to buy at the end of the 30 payments. To top off things we notice today after returning from work that our puppy had an incision on the side of her belly with fresh stitches and we were never disclosed that she had any surgeries, and medical conditions that needed her to be cut.

My wife and I signed up for the Go Pro Coaching Service and the first few months were great. We found the service difficult to use after our first coaching sessions expired as we had to call in to schedule the company to call us back when they were available to set up a coaching call. We were unable to be available and thus stopped using the service. When I reached out to the coaches after making over a year's worth of payments to inquire if they had courses based on Facebook marketing to help us build our business, the answer was no. I then called Monterey Financial to cancel the agreement only to be "reminded" that there is NO cancellation. Which means I'd have to pay another 8 months for a service we don't even use. I'd estimate we found this useful for 3 months and pay thousands over 24 months. What a complete waste of money!

I purchased a puppy at Furbabies at 963 Eagle Ridge Drive, Lake Wales Florida, in Eagle Ridge Mall. I made the purchase on 1-30-2019. I signed all the hard copies, above the word “purchaser”. I specifically ask the owner if it was a finance because I had read an article about pet leasing. She told me that she doesn’t do leasing, that it was a purchase. She then gave me an iPad type device, to sign and initial in several places. She scrolled down through the microscopic words to where I needed to sign and initial. She did NOT go over any details of my contract, she offered no information at all, and again, assured me that it was NOT a lease.

I would leave negative 1 star if I could. Paperwork stated 25% interest rate... I would never agree to 90% interest rate (who would). Also when I used a company that went through them for $1,500 dollar loan and they shot it up to 3.500 that is so messed up. How is this even legal when the paperwork has different amounts than what you're charging. They have taken my payment late four of the six months I have paid. They tried saying my bank rejected the payments. I called my bank to see if they have even tried to process the payments on the days they said they did. The bank told me, "No transactions have been made on those dates." Their fees never stay the same and they are tacking them on to everything. NEVER USE THIS COMPANY OR ANY COMPANY THAT ASSOCIATES WITH THEM. THEY ONLY WANT TO SCREW YOU OUT OF MORE MONEY!!!

I'm an international customer of Monterey Financial Services. I'm paying off a loan with Worldwide Travel Experts. I've set up monthly direct debit for MFS to take money from my account, but they don't take the money and then send emails telling me my payment are overdue and then they charge a late payment fee. The money sits in my account for them to take but they don't take it. It's definitely not a problem with my card or my bank here in Australia as Monterey Financial Services have already taken money prior to setting up direct debit. Given the Sydney/California time difference, it's hard to make phone calls to them and no matter how many times I tell them the money is there, they don't take it. I can't have money sitting in my account exclusively for them, that's my everyday expenses/living account that I used all the time. I no want the Worldwide Travel Experts membership as dealing with MFS has caused a lot of stress and panic.

We got a loan for 1200 for a dog which we agreed to but then all of a sudden it upped to 2400 dollars, nothing we were ever told about. They won't work with you. We weren't the ones that signed the contract they showed us. We signed something different. And when I asked for a copy it was all electronic, it's not even a real signature. We were approved and signed something saying we got a loan for 1200 and payments of 190 until it was done and then after 1400 I realized the payments were not stopping and that's when I was told our loan went up. Why would I be okay paying double on a loan than what I was approved.

The customer service reps can be extremely rude. I had one ask me how I planned to catch up on payments and what I was doing to improve my income - like it was any of her business! This kind of aggressiveness is aggravating to have to deal with!!! I'm financing a school loan, I don't make a lot of money yet but they have very little compassion for you. I'm sorry I have to deal with them. They're vultures.

This company is horrible. This company of scammers should be shut down. To begin with the customer services really sucks. I have never encounter in my life a place with such horrible customer services that this company have. Second, I bought my dog around a year ago. I felt in the scam to LEASE a dog since it’s not my dog because I owe to this company. Third, I was never told that this company charges the 50% of interest over your dog. For example, the total amount for my dog were $3000 which I pay $500 in the pet store.

If I could give no ratings I would. A year ago I was told I was financing my puppy and that I can pay him off early if anything, so I signed the contract for the amount of the price of the dog. After a few payments I wanted to pay him off with my taxes, but when I called they told me I'd have to pay an early cancellation fee of over $200 plus whatever is owed or continue making the monthly payments for the next 23 months. Then was told that they charge a fee for leasing the dog. I was never told any of this information at the time of purchase. So instead of paying $1600 for the puppy if I were to pay the full 23 months I'd be paying over $3,000 for the dog. The puppy place I purchased him from not only gave me not the full information but Monterey Financial is a complete scam and is just trying to get your money. Please don't ever sign anything with them.

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!!!

If could rate this company with zero stars I would. Was rushed through the financing part of this purchase. Was told terms that were not on the contract. When I Read again I was mortified of the terms and called the owner of the shop to return my dog, next day. Was lied to again, and told that I was misunderstanding the terms. Paid for the dog almost to its entire purchase price and when I called for a payoff amount it was for another bogus amount almost 5K. The 2k I already paid was as if I had never paid anything at all.

We would never have chosen this company with this kind of interest rate and shady additional charges and ridiculous fees; however, we changed to a "point system" with our timeshare. They were in with Monterey and got kickbacks. All $3500 was for program changes in order to process points... Ha ha. They have been drafting my card for over a year with no problem... Until I was a victim of international fraud and my bank changed my card number for security. Monterey charged me $45 and would have added more to take my new card through their rep for the payment. Claimed I had voided the contract. Would not adjust off any fees although I was a victim.

I purchased some training to work from home. I was told it would cost 300 dollars. The next thing I knew I was asked to sign a contract through Monterey Financial. I was told 60-day money back guarantee. After ninety days they would draw a monthly payment of 83.00. The first month they took the amount out, it was unexpected but fortunately it didn't overdraft. I contacted the man and told him what happened. He told me it was a mistake and he would tell them to wait 2 months before they take any more money.

I was told that my payment did not go through so I had to make another payment. So I called on the 2nd of the month and was told that the first payment went through and that the 2nd payment would be cancelled. Now both payments went through and they continue to lie about what they did. When a person asks for a supervisor they always say that there are not any available. This is a company that no one should go with. After I pay them off they will not be used. I recommend that anyone looking for credit go elsewhere. This company is a total rip-off and over charges for their loans.

Everyone on here was lied to into signing an agreement that was sold as financing. Only later to find out they were making a lease payment on their balance. There has to be a lawyer out there that can tear these people apart. I signed a blank square and they added my signature to this "lease" agreement that I never even saw until after the fact. That HAS TO BE ILLEGAL!!!

Today I had a question to understand the difference between a buyout plan and early termination. A extremely rude low class representative said "let me explain because you obviously don't understand". I interrupted her and asked her not to speak that way. I'm the customer and her job is to provide customer satisfaction. She said "you can complain about me my name is Kia extension **". I can understand why Monterey financial rating are so low because they hire the worst people who are on the low end like Kia. I have never been spoke to by any customer service rep. When dealing with wages lending they are outstanding. They have it right, but Monterey financial need to revisit who they hire. All I want to do is pay off this debt and be rid of this institution and make sure people NEVER go through this company.

Call BBB on this heaping pile of garbage company. I was tricked into signing a contract that turned my 1300 dollar dog (outrageous to begin with) into a 4000 dollar lease agreement in which I could either pay MORE money at the end or return him FOR A FEE. Even better, I found this out 6 months after the fact when I called in to find my account balance was exactly the same as when I had started 6 months prior. Calling better business will force these people to amend your contract in whatever way to satisfy you. But, it gets better.

I made a huge mistake in going to a pet store to find a cat. However since I was young and stupid I thought I could only get the breed of cat I was looking for at that shop. (I should've done more research and looked at pounds) But the past is the past. So the pet store sets me up on a credit loan. They get me approved with a company called WAGS. They tell me the price the Loan will cover which is $2500. So I'm all excited I got this beautiful orange Maine Coon and now I have something to start building credit with! Well a few weeks later I get a contract purchase agreement between WAGS and Monterey Financial. My $2500 cat turns into a $5200 cat! Those bastards threw so much interest at me that I paid for the cat twice! Then I had to set them up on automatic draft from my account they never pulled the payment on the day they said they would.

I should have known when I signed up with Career Step, that they were a scam. I was going to take a medical transcription class, and then financial hardship struck, so I was unable to continue on. Well, unfortunately, Career Step doesn't care what your problem is. Everything is turned over to Monterey Financial from the beginning. Career Step suggested that I stop what I'm doing and get right back to class, without hesitation, and without caring about what has happened. I was harassed by Monterey Financial until I gave in, and set up a repayment plan for something I'm not even doing... So I'm literally paying over $3,000 for something I have no time to complete, let alone afford. Monterey Financial doesn't care what your situation is. They want that money for their clients, and will do everything in their power to get it...

I had brake work done by Brake Masters, which seemed like a reputable outfit. As always happens, they found other "stuff" that needed repair, to the point where I couldn't afford to do it all! "No problem," they said. That's when they offered FlexPay, a loan outfit that gives you a loan (but doesn't check your credit, which should have been a tip off!). The loan terms came in the mail -- $1100 in brake work is gonna cost a whopping $2400 with their exorbitant interest charges! Oh, and it gets better: I finally put together some funds to pay the sucker off. I got a payoff amount from them over the phone, over $600, and paid it online. No dummy, I called the next day to confirm that it was paid off. A representative (I use the word loosely) said "no problem", all paid off.

It was to be a self help class to get rid of depression and panic attacks and to learn to enjoy your life! I had maybe 6 or 7 sessions and the fee was 6199.22! I totally feel taken advantage of. I am still depressed and I see a therapist on a weekly basis! I really do not feel I got my money's worth!

I had purchased some website coaching from Achieve (name change after the fact). I was paying monthly with a credit card until Monterey failed to charge the card October 2014. The card was subsequently canceled so I was making monthly payments by check. Certainly something they did not like. After a couple of months of nastiness because I was paying by check I decided to pay the statement balance in full January 2015. Heard nothing from the company until 6 months later then I supposedly had a balance of $69 which would have been the interest that was due if I had not paid the balance early. Calls were intermittent for a few months but recently they step up the game. Not only are they RUDE they do indeed talk over you, state that I would have never received monthly statements (I did) will not acknowledge that I paid off the loan.

Purchased a couch, agreed to payment plan with a loan company called Loan Hero. This company transferred or sold my account to Monterey Financial. It's been a nightmare dealing with their uneducated & rude staff. Monterey Financial staff is rude, talks over the customer, hangs up on the customer, will not allow the customer to speak with a supervisor/manager when requested. Made arrangements with them to make automatic payments. Gave them my correct account number and routing number 6 times and they couldn't get it right. Apparently it was my fault when all 5 or 6 customer service representatives entered my info incorrectly. Most of their customer service representatives seem to be deaf and stupid because they can't get anything right.

I got a dog through them, didn't know I would be getting charged double the dog price... and it is not a loan but a lease. I am really disappointed with this... I was under the impression that I would just be paying my loan off for the dog, no. I am paying 4000 now. I see there are a lot of complaints, does anyone know how to get out of this?? I don't want to hurt my credit or go to jail??

My wife decided to surprise me with a dog and was one of the worst decisions ever made. First buying a dog for $1500 is beyond ridiculous, but I understand there are those out there that want a purebred. The dog came home and was sick with both kennel cough and an infection from an open wound on her head. That very night I looked over the contract and was absolutely floored with the terms. First, the price of the dog was in the neighborhood of $1500, but after WAGS Lending stepped in the cost is over $3000 with a $161 installment which has been auto-debited every month thus far without my permission and without my name appearing on any of the contracts. Also come to find out after looking at the contract closer, we don't even own the dog, it's a two year lease (who does that?!).

I am being charged double for what the dog cost. They refuse to send me paperwork with statements. They harass you 24/7 like hello my payment will not be there a week before it's due so stop calling me. They tried to make me pay 2 months at a time because I was 2 days late... NOTHING BUT A SCAM.

Purchased a couch, agreed to finance, paying off as early as possible. This company is charging ridiculously high interest rates, rude, talks over the customer, hangs up on the customer, will not allow the customer to speak with a supervisor when requested. Paid my bill in full last month, date: March 22, 2016 - payment was processed on March 24, 2016 for 1,013.44, the amount of the payoff, my original purchase in the month of July 2015.

Responding to all the public complaints I read about Monterey Financial. I see exactly what your complaints are about... Yeah, well they are hard core when it comes to customer service. I know it's a business but to outright rip us (the public) off with "over the hill", "high interest rates" just isn't right. I wouldn't be surprised if the government is part of this conspiracy. Maybe that's why Monterey hasn't been shut down...

I read the majority of these reviews before applying and still did so as it was the only option to try and purchase a puppy that I had fallen in love with and did not have enough cash to outright purchase her. I applied via my cell phone and was approved within minutes for $1,400.00. I carefully read all of the information prior to signing and was not pleased with the outrageous finance terms, but the monthly payment was average ($165.00) including interest; this was in December 2015. The following month I contacted company and was speaking to a live agent. Within minutes, she provided me with the payoff information I was looking for and all was well.

On Jan.15 2016 me and my wife went to breeder assoc. in Brick town NJ. And we look at a puppy but we said the owner it was too much. They wanted 2,100 for the puppy so we said no way then they said 1,300. We said no okay. They ask us how do we want to pay. We said maybe 1,100. She said okay then she did paperwork before we notice she charged us 1,500 for the puppy and she said we have a company name wag this will credit the puppy for us.

I receive monthly texts from this company that my account is overdue, however I had never heard of them until I started getting texts. I call and they can't explain how it is that I'm receiving texts. They don't even have information connected to my number. I Googled them and discovered the multitude of complaints here, so I thought I would share my experience as someone who has never actually done business with them but continues to receive 'overdue messages'.

Keep away from this bank or company WAGS - are scammers and getting away with it. Someone needs to do something... Bought a puppy through pet-zone which by the way my puppy had kennel cough and a bacteria in his bowel movements and the WAGS company charged me double the price for the dog for financing with them. The dog was $1,400 and they charged me almost $4,000.

I had purchased a loan through flexpay to buy tires for my car that I desperately needed. I had suddenly been informed that Monterey financial would be handling this from here on out. Didn't find this very business like. So I had paid off the loan with a check that was sent on the 1st of October. I had called a week later to verify receipt of the check and it was confirmed that it was received and account was closed and a refund for over payment would be sent. Well they failed to tell me that they do not send out refund checks until the end of the month. I called again on the 22nd and this is when I was told about the checks distribution is at the end of the month. Well it's now November 5th. I called the office about 9am, phone keeps going and then goes to a recording to leave information and will call back. Still haven't heard back. These people need to be shut down for bad business, not being straightforward.

This is the worst company I have ever dealt with by far. All of the employees I have spoken with are extremely rude. They constantly call me and rip me off. They constantly say that my payments are late and tack on a $30 or more charge every month, which is a bogus accusation. They have no consideration to the fact that I am 8 and a half months pregnant, unemployed and still doing my best to pay my bills, they still constantly try and rip me off and take extra money from me. I didn't choose to work with this company, but the lending company I was working with gave me to them I suppose. NEVER work with Monterey if you have any other options.

Run don't walk from this company. They are a rip-off and charge ridiculous rates and DO NOT know how to keep their records straight. I received a call, at work, stating that I was late. Ten days prior, I had called and set up a schedule to pay this off. The CSR did not even bother to look that it was all set and ready to go. I was not late. I will NEVER deal with them again and strongly suggest that no one else does either.

I financed my co-pay for an insulin pump for 18 months. I called for the amount of my last payment and was advised by the friendly rep there would be a fee to pay over the phone. So I paid the amount she quoted me by check through my bank's bill pay as I had every month. Four months later Monterey started calling twice a day out of the blue. I patiently waited to speak with a rep but after several minutes was asked by recording to leave a message for a return call. This happened twice. I threw out my payment book with the account number but found it through my bank bill pay. With some difficulty I managed to log on to my account and see the balance is $24. It is unexplainable why there is a balance. There are no late fees - just says balance $24.

I finance furniture at S&S Furniture Gallery for $1,133.33 in irvington nj. The sales associate told me I have 6 months to pay it off then I'm good so yesterday, I decided to call them. They told me I owe $2,109.33. I told them the sales associate never gave my actual total 'cause if he did I would have went elsewhere. I faxed MF the paperwork the furniture place gave me. They still didn't care and gave me my next Month due date.

They repeatedly lose payments in order to charge fees. We had to cancel a check that we called them about after it was not cashed, told them we were stopping payment and re-sending. Then they tried to cash both checks in order to charge us. Call multiple times a day and harass you even after being told not to call this number. DO NOT ALLOW YOURSELF TO DO ANY BUSINESS WITH THEM!!!

Run from this company. Actually sprint away from it. Financed a pump through the company because I couldn't pay the full amount right off the bat. Worst decision. Realized they were awful so sent a payment via check well within the time frame for them to receive it in time. They called and harassed me to pay immediately that day with a additional charge of paying 15$ over the phone. That was a Friday. I refused and said they would be receiving a payment. They called me again Monday morning, again being rude and harassing me about paying over the phone right away. I again refused. Finally had to call my pump company to complain.

I chose to finance some plastic surgery procedures through medical financing. At this point I'm thinking that name was some kind of alias or contracted company to pass this on the Monterey. After the papers were signed and the money was processed suddenly I get a one page paper in the mail stating that the medical financing place had sold my account to Monterey. Now the amount I financed was quite significant, $11,200 with payments about 403 a month (I always pay at least $500).. when you start to make early payments the due dates start to get later and later, so you assume that you are buying yourself some wiggle room in the case that you're short on money some time.

First and foremost, I have never been the type to write a complaint letter. But I am so disgusted by the representative's behavior. I stupidly decided to buy a puppy and break up the payments for the year. Little did I know I would be hit with all these fees. I am so upset by the representative behavior. I really wish there was a way to get them fired. No matter what the customer's situation is, you never laugh or show any sign of being rude to them. I honestly don't know who I should contact for this matter. They some how double the amount you owe with all these fees. The biggest mistake of my life was to even trust this company!!! Scam, scam, scam and I pray they go out of business. If anyone knows anything I can do, please let me know. The worst company around!!!

BEWARE!!!! DO NOT FINANCE WITH THEM!!! They misled me into thinking I will be paying off my puppy that cost me 1,555 IS NOW COSTING ME 4,000!!! With a finance company called Monterey Financial Services. I was hysterical when I figured it out. HOW DARE YOU GUYS take advantage of people in an exciting time of buying a puppy!!! I lost my dog of 12 years on Christmas day which of course they knew and saw I was vulnerable and needed another companion when I went in at the end of December. DISGUSTING. Of course there was fine print that I skimmed over, completely misled me. That advertisement for a finance option on their door and website SHOULD NOT BE ON THERE. IT'S NOT A FINANCE, IT'S A LEASE! Practically sold my soul to this people!!! Legally can't even say its my dog.

Calls come before 7 A.M. Standard recording with no access to speak to a voice. No history on file with specifics on alleged account sold to them. Interest rates above/beyond any laws/regulations for consumer.

This company is terrible. I used this company through a jewelry company. They said I could pay it off with 12 payments, which was fine. However the fees they charge are ridiculous. $15 processing fee (for a draft payment), and if you put the fund in the account after midnight the night before the draft they charge you $20 late fee which is not late because they process it the day before it's due. They also do not phone or email you to let you know about a payment that didn't go through. Every representative is rude and unprofessional. The supervisor is even worse. Beware and stay away from this company!

I went to Express Tire in Imperial Beach CA and financed tires which they sold my contract to Monterey Financial my interest rate is 182%!!! My initial balance was $517 and they say after my payments it will be $1045!!! Luckily I have a sympathetic family and I was able to get the payoff amount before my first payment and they are within driving distance to me so I am taking a cashier's check (no bounced checks here) and putting it right in their hand!!! I hate these people and I hope they all find out what being broke is!! #ihopetheyrehomelesssoon

I contacted this company many years ago. They sold empty promises of give us some money and become a real estate magnate overnight. However I told them I don't think it's true. They talked me into giving them a deposit. I asked them multiple times if I can cancel this at anytime. They said of course "money back guaranteed." I fell for it and did. After a few payments I called them and said "I want out. It's a waste of time just like any other scam out there!" They said I can get out if I pay off the entire amount of 2 years worth of payments. I said "this is crazy. I want my money back that I gave you and now you're telling me I need to continue making these payments?!!" They said that it's my obligation. I said "well then you guys are just liars!" And then the harassment calls started coming day and night at work and on weekends!

I used them for a loan. I have made my payments with them but they have stated that I haven't. They have changed my payment due dates on me, also my monthly payments. I have been making payments since July and my balance has not gone down. I still owe, what I owe in July. NO CHANGES! They also have the wrong my contract with my daughter as the patient when she was the emergency contact. Worst company ever!!!!

Run from this company. They charge insane fees that can only be interpreted as taking advantage of people. They are not a legitimate business. You'd be better off dealing with your local loan shark in a back alley. What company charges you money to pay them each month? Any other company gives you a break for setting up automatic payments from your checking account. Not these **. They charge you for each one.

I contacted the company to arrange a payment. After being on hold 10-15 min I received a rude representative ** harassing me and very rude and put me on hold after I inform her I didn't want to speak to her due to her poor training - she put me on hold and then hung up! The next day I called, left a message for supervisor yet that didn't help bc the professionalism this company has is poor as well as phone etiquette. They are rude and yell at customers. I still haven't made a payment bc they are very rude and deserve to be jobless due to how they treat individuals! I decided to make my payment online versus to speak to this company's poorly trained individuals!!!!

DO NOT DO BUSINESS WITH THIS COMPANY. This company claims to finance pets but once you get all of their paper work you are really renting the pet with the option to buy at the end of the term. In effect a clever way of charging the equivalent of over 70% interest. We purchased a dog for $2500 & if we were pay of time the total paid would be well over $6200 over 3 years, plus have a buy-out payment.... or we could have them pick the dog if we no longer wanted to "rent" or own. Absolute insanity!!!!

I financed a stereo, speakers, and alarm system for my car, so 3 month pay off was $380, okay cool. Wasn't able to pay it off so now I pay $127 a month. I still owe $1,900. I've made 4 payments. These people are rude when I called and said I'm losing my income. They said not our problem, we need our money. Called again, won't work with me to lower my payments. Rude people calling and harassing my father’s house telling them they will send me to a collection agency if I miss a payment. Don't with these lying pos.

I had issues with someone hacking my account. My payment was returned that morning. I paid the balance off by noon. They called me the next day and said since it bounced back to them I could not pay off what I owed but would incur 500 additional dollars of financing 1200 dollars for 1 1/2 months of financing. RIP OFF company. Stay away. They continually prey on people. Stay AWAY from the in house financing companies. They are WRONG!!!!!

Impossible to get a hold of, then given the opportunity to leave a message for someone to call you back... Out of the 3 messages, I only got called back once & by then it was too late to fix my problem, how convenient... Claimed to have sent me ONE letter in the mail which I never received & that was the ONLY correspondence I ever "received." They refuse to send me anything else in the mail. The rep I spoke with to pay off my account had told me that the interest rate is 285%... How is that even legal?! So fed up with this company & I will never buy anything from any company that uses their services.

I used Monterey Financial Services for an auto repair loan. I did not have the money to buy a new car so I decided to have my 2004 Chevy Cavalier fixed. The auto repair shop said that I could get a loan with Monterey Financial Services. I had the option of paying the loan off earlier. It was my fault that I did not do so but not theirs. I had no problems with service. I knew when the payment would be coming out of my bank account so I have check on that. The only time I called was when I knew I was getting close to the deadline of paying off the loan.

When I went to use the services I had said I would pay for, the services didn't exist and they still expect me to pay. I found it easy to beat the prices they were getting for me. What is it I would pay them for then??? They want me to hold up my end of the contract, but they don't feel obligated to hold up their end.

Ok so I go to a pet store and find an Australian Shepherd that I wanted. The price tag was 2,000. I had the money but figured I'd finance it to build by credit. I got approved through MF. I looked over my paperwork but there was so much I just glanced over some of it. Come to find out the financing charges are astronomical! A dog that I was to pay 2,000 for I am now stuck paying close to 6,000!!!! That is ridiculous!!! This company is a rip off! My payments are $150 a month so I guess I'll be paying on this dog for 40 yrs!!!

I used this company to purchase a dog (at the time my credit was "young" and this was the only way to finance"). The dog was $2600. I made monthly payments, ALWAYS ON TIME and included extra on my payments. I called in a couple days ago because I was ready to pay off my balance. Today I decided to check the account to make sure it reads zero. Not only is it still showing the balance for the full 6 years, they took out a $200 payment yesterday. I am beyond angry. I will be calling them tomorrow. This company is so irresponsible and needs to be shut down or meet higher standards.

I am writing you to express my shock and dismay at the way your customer representatives have treated me over the last 9 months. I financed a loan in April 2014, and I make my payments every month, but every month there is some sort of error in processing and I am forced through the hell that is speaking to one of your reps.

This company takes over lease to buy options and financing for stores. You're not told who you are dealing with when you sign up. You think it’s the authorizing bank but it's these scumbags. The reps are incredibly rude. The pay off amount is different EVERY DAY! Late fees are charged if they don't process in time (it takes 3 days after authorizing). I hope their building burns to the ground and they lose their licensing. This place is an absolute menace and I WILL NEVER do business with them again! They are disgusting predators whose practices are borderline illegal.

I went to a furniture store and said I was qualified for $1000.00 credit through this agency. I agreed to make installment payments for 3 months only of $348.00 which included their fees. Payments were made 07/2014, 08/2014, and 09/2014 and automatically deducted from my checking account. I keep getting calls to still continue to pay. My credit is now ruin because their system was not adjusted said I owed over $1900.00??? I called about this in October to verify I don't owe any more money. The rep said I don't owe. Now this, this company is a scam. Beware. Find another company to get approved for a quick loan.

I bought a computer from Emporium and then found out I was leasing from Monterey and thought I had 6 mos. to pay it off only to find out that was a lie too. Even now the payoff is more than it was worth in the beginning. I have been ran back and forth between Emporium and Monterey. Biggest screwing I ever gotten. The Government needs to shut them down.

I called MF last week and asked for the payoff. MF told me that my payoff was $103.88 thru 01 Dec 14. I sent them the money, they received it, but I still had a balance. I called them again and asked why my balance was not zero. They said it takes time for the computer to catch up. Bull. I checked again after 4 days and still had a balance. I called again and was asked to wait 4 more days and check again. What? Exactly what I expected from a collection agency in disguise.

I was charged $10.00 fee for making a payment online, it was my first payment. When I called Monterey Financial, and asked to speak to a manager about this matter, customer service was very rude. After two days, I finally talked to a Supervisor, that was just as bad. What kind of company is this? To whoever read this, don't do business with this company; it's a nightmare. This company is taking a $10.00 fee from anyone making a payment online, or calling to make a payment. Right now, I'm mad as Hell. I will be contacting B.B.B.and the District Attorney Office to look into Company business practice. My payment is $32.49 on the first of each month. The company charge me $42.49 just because I made my payment online. This was my first payment. This company gives you no options; you have to mail your payment, so they can say they didn't receive it and charge you $10.00 plus late fees.

I was told that the only service charge would be $6 per month and that if I paid off early, there would be not penalty. My payments are $98 per month. The first month I paid $130. They took out $12 and only $118 was applied to the principal. I called Monterey and was told, That any extra that was paid on an account, that Monterey would go ahead and take out $6 for the next month's service fee, but this is not a penalty. Then when I went to make my next payment I called to make the payment over the phone and I said I wanted to make a payment of $130 with my HSA card, but they only posted what the minimum monthly payment was. And as others have said, I was not given the chance to choose what company I wanted to finance though. Wish companies would consider this when they choose financial services for their customers. But consumers no longer matter, just the bottom line and how much they can pad their pockets.

This is my first time making a payment to this company and it automatically charged me $10.00 for paying online, what the heck is that? this is ridiculous! the amount i have to pay is $137.12 on the 15th and after the 15th i have to pay $142.12. Well today is only the 13th and i have to pay $142.12 because I'm paying online! that is ridiculous! Please don't make the same mistake i did, don't get a loan from this horrible company! I've read all the bad reviews and i understand everyone's frustration! Stealing $10 a month! I don't work hard to give away money to abusive companies! I didn't get to chose this company - the national city puppy store chose it for me. For all the people that walk into that store i will let them know what a horrible company Monterey Financial Services is! I hope everyone can see this!

I ordered Joe Vitale's Miracles coaching program from Achieve (formerly Prosper INC). According to Achieve the program was financed by Monterey Financial Services. The program was supposed to be a year long program for around $2500. The program description was:

I don't understand this whole situation with this company. I will have to say they like to argue with you on anything you say. I actually got a loan for my furniture. This wasn't the company I signed my contract with. My contract does not have this company's name on it and they were taking from my acct. My loan was for about $500, I paid for $80 at the furniture company, which brought my balance down to $424. I wasn't aware of the $15 charge over the phone nor did I know about the $10 online fee to pay your bill. I paid $100 for the first payment. When I made my payment, it was with a different company. And when I called to make another payment, they told me I had to call this company. So I called this company and because I was late, the 90-day pay off was no longer an option. I would need to pay them the $1200.

If these sleaze-bags are not directly responsible for fabricating fraudulent accounts, they are knowingly collecting for other crooks who do. I recently got a call from a collection agency claiming to be collecting for them on a bogus student account I never took out. I never heard of Monterey Financial prior to this. The school in question (Business Computer Training Institute) went under 15 years ago and was a total scam to begin with -- its owners being convicted of all manner of criminal misconduct.

185% interest in their credits. HOW Consumer Affairs DON'T DO anything??? Or the BBB??? Yes!!! You see GOOD... 185%. I accept a credit 3 months interest free and now for 600.00 in the fourth month I owe them $1580.00. So, it’s like I pay 500.00 + 1000.00 for financing.

We signed up for Vacations Now for Less and were charmed by Brandon ** with deals of grandeur for vacations. Little did we know that it was only good deals for vacations that were on their list. When I call for a cruise that I want to go on, it is no less or not a savings. When I call for hotel rooms they are more than if I call the hotel. If I want to go somewhere special, too bad, I can only go where they go. I cannot use their services, was told I could cancel at anytime if unhappy and now I have to pay this exorbitant amount to a finance company for something I cannot use at all and believe me I have logged hours on the phone trying. When you call customer service there is just a recording and no one ever calls back.

This is by far a corrupt financial service in that they finance bogus companies that intend to go bankrupt, however you must pay back your balance or Monterey will threaten to ruin your credit. My husband and I signed a contract with United Vacation Reservations, LLC for 10 vacation packages that we could take at any time. The total sale price was $3,916.77. The deal was to contact UVR reserve a week vacation for less than $300.00. We also had access to a hot sheet where we could book a week vacation (not using one of our packages) for as little as $500. These vacation locations were all over the world at prime resorts. Red flags went up when I contacted UVR and the one contact person tried to charge over $800 for my vacation package.

This is an awful company. With so many complaints, it is surprising how it is still in business. The representatives are totally rude and ignorant. It would be better for the company just to have the automated service because the representatives are ignorant as the machines. Whatever you tell them, they don't understand you, therefore there is no way that you can solve your problem. They just repeat and repeat their script that is in a rude way and then, hang up on you. Just awful. It was not our choice to choose this company. It bought the other company that we were repaying. I wish there would be justice. The company will be at least closed and bankrupt the way they do business. I just wish that people would be aware, since most likely the lost money will not be returned.

Every time I call Monterey Financial Services, the agent continually threatens to send my account to the collection agency, if I don't pay them immediately. I think they are extremely unreasonable with their clients. What I don't like about Monterey Financial is they expect me to pay for a service I never received. Monterey Financial Services is currently financing the program I enrolled in at Summit Mentoring. Summit Mentoring operated a fully functional eBay Coaching Facility in January, when I decided to enroll in their program. The facility closed permanently approximately one month ago. Summit Mentoring Coaching Department assigned me a new coach four times since I started the program in January. Changing the coach four times in short period of time was extremely hard on me. Obviously Monterey Financial Services don't care about the difficulties I experienced at Summit Mentoring. They expect me to fulfill my financial obligation; even though I don't approve of the service I received from Summit Mentoring.

I would rate them ZERO STARS. I have NEVER come across a company as bad as this one! I purchased a vacation membership while on vacation and paid the monthly payments as agreed. I then paid the balance owing and a year later they started calling me and told me I still owe them $105... which is now $185. Will be submitting complaint to the Better Business Bureau. The reps are completely rude, I just can't even understand how anyone can be that rude.

I mistakenly took an offer from a jewelry store to buy a ring on credit, instead of paying in full like I should have. The company never contacted me about payment schedules, though from what I'm reading I should have gotten a coupon book maybe? So I call them to make a payment and the guy was relatively friendly. But guess what? It's $15.00 to make a payment by phone. Hmm okay so I told him I would just pay online. I go to the website, which is absolutely terrible, and go through 2 offers before I get to my account. They want to charge me $10 to pay online!! Are you serious? The cheapest way to pay online is setting up recurring payments. But every time I tried that it told me I wasn't selecting the right amount as a recurring payment, even though it was way more than my minimum payment.

I was phoned at 3 am Australian time by a fellow called Kurt who was ringing regarding training on an internet business. He did not tell me where he was calling from or who he was representing. He would not take no for an answer or believe that it was 3am in the morning. After 1 hour or more, I agreed & I had only $300 in my account at that moment. He said he could arrange finance. I agreed and was only left with Monterey's phone number. I rang a couple of days later to cancel & no one answered so I left a message & no return call. I had no receipt of any monies paid.

I fell behind on my payments to Monetary Financial Services located in Oceanside, CA. I did finally get current with them only to then have them still calling me and sending nasty, snotty emails. The emails were rude and I thought that once I was current, the harassment would stop. Well, it didn't even though I am current with my account. What kind of business does that to people? Is there a way to sue them? I sure feel that someone should sue them.

Going through bankruptcy. They still want money.

I took a membership out from a travel company. To have it I was to pay Monterey Finance the initial fee. Did not know the name at the time. I was to pay $42.30 a month for 2 years. I have asked for information on my account. None given. The travel agency went bankrupt. Apparently from what I understand they are the same company but using different names. So today I stop payment on my cheques. Why should I continue to pay for nothing. What can I do about them.

I have had a loan which was given to Monterey Financial Services. I have sent out payments every month and they receive them on the 1st of each month in a form of a check. The payment is not due until the 20th of the month but when they receive the payment they hold onto it and wait until the 15th or 16th of each month to finally cash it. By then, I get more and more "Late Fees" for bounced checks and late payments. I have contacted them and even went on the website to pay but their website is a joke and you can't do anything unless you give them your bank account number and routing number, which I am really not comfortable in giving it to them.

They are trying to rip me off. I did not get a service from them. They took my money and told me I signed up for a so-called loan contract. They gave other people my home no. who called me demanding money from my Credit Card by imposing a business setup of which I did not ask for in the first place and continue to send threats and demand more money from me to pay off a loan of $3,601.37, or else they would mess up my credit ratings. I need help please!!!

Do not buy anything that will get given to Monterey Financial to oversee. I purchased a bed from Mattress Depot in the state of Washington. I made my payments right on time for about seven months. I had changed banks and did not move the account. I did not recognize their name on anything of my old account.

This company fails to tell you about any fees that you can accrue with their payment methods. When you receive your coupon book, it has the amount without taxes and can accrue fees for late payment, even if you mail on time but they receive it later than your due date. Not fair... And in my circumstance, I ended up paying a lot of bank fees. At this point, I just want to finish paying and be done with them.

I will never purchase anything from any company that uses Monterey Financial Services again. I have had so many issues with them that it is crazy. When my husband bought a ring, the jewelry company used Monterey. The jewelry company completed all of the information to Monterey; however, the next month we never received anything stating the payment was due or how to pay. So we contacted the number on the form for Monterey, which they stated they had no idea who my husband was or any account for him. At that point I could have walked away with a $3,000 ring for free. Being a good person, I went around and around with them telling them I had the ring and needed to pay. After a few days, they finally got everything worked out.

I received a call today from a very angry customer service representative because my account was apparently past due. I had no clue that it was past due because my husband handles all of our finances. The lady was so rude. She informed me that I "obviously never pay my bills" and at one point called me a "liar". I demanded to speak to a supervisor and was transferred to the team lead. That got me nowhere because she was just as rude, if not worse. I wanted to make my account "good" but decided not to make a payment until I spoke to a supervisor. I left a voicemail for the supervisor, but I highly doubt I will hear back. I believe the customer service reps are taught to treat people terrible. That is a great way to get the money owed to you people!

Monterey Financial handles payment arrangements on my account of medical supplies from Medtronic Corp. Representatives change almost weekly; my account is always new to the case manager when I call. The representatives refuse to work with their client when there are problems such as misapplied payments. A simple phone call on your behalf and/or a three-way call would have resolved an issue in 15 minutes. Instead they stand hard, demand additional payments and threaten default.

A while back, I don't remember the exact date, I was contacted by a young man about making income from home. Since I live solely on my SS, I was interested. This interview consisted solely on how much credit I had on my credit cards. When I replied vaguely, the individual wanted to know exactly. When I informed him about my available credit he transferred me to the "real" interview. My original signup was for $2,800. This was followed by financial advisors, accountants, website producers as well as a firm to establish an LLC. The cost of the LLC was to be $1,850, $350 upfront and the balance financed by, guess who, Premier Mentoring, using Monterey Financial Services. I used my 3-day cancellation rejection period to cancel everything; however my "real" interviewer convinced me to continue.

I was recruited by Prospering.com when I purchased some DVD from a company called Six Figure Program. I was scammed on a work from home business by Prospering.com. I paid upfront $600 in May 2012 and received paperwork from Monterey Financial stating I would be making payments to them now. When I looked into Prospering.com, I found out I was not the only consumer scammed on their so-called home business. I reported them to the Better Business Bureau and stopped automatic payments going to Monterey Financial. Then the rude harassing daily phone calls started with MFS. I spoke to a customer service agent to explain that I have reported Prospering to BBB and no more money would be sent. In addition to the call, I sent a detailed email.

I had a payment of $128.18 due on June 1, 2012. I didn’t think I would have money in the bank to cover payment. I called Monterey at 760-639-3500. They told me to set up a late payment of $165.18 for June 8, 2012. And if payment cleared on June 1, 2012, the payment for June 8, 2012 would fall off. Now, my balance is $128.18 and should be $91.18.

In 2009, we took out this loan simply trying to make more money in this terrible economy. My husband was not working and has not consistently worked for the past 3 years. However, we made the debt and I am not disputing that. During this period from 10/15/09 till now, I made the payments the best I could on a single income and got behind twice, one time they helps us out. The Kansas City address could have been given to us at that time, so we paid it anyway; however, they gave us no options but to mail these payments, as their internet service charged more for making the payments on line, more money out of our pocket. So over the past two years, I made them.

This company is trying to collect money by using another fraudulent company, CAA (College Admission Assistance). CAA collected personal information, didn't provide any services of what they promised to (all of their job was done actually by school counselor for free and they didn't even try to help for the money they were getting), they were taking $275 per month for 8 months from my debit card (they counted it with "percents" for a sum of $2000) until I wrote them a letter that I, dissatisfied with their services (or absence of services actually), are not allowed to take money from my account anymore and I changed my debit card number.

Monterey Financial Services (MFS) claims to be an assignee of Global Escapes. MFS has made repeated, harassing phone calls regarding this alleged debt, despite being asked to cease and desist. In fact, in one conversation I was advised to get a job at McDonald's to pay this debt.