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Data / Consumer complaints / Monterey Financial Services LLC

Monterey Financial Services LLC: 1,498 CFPB consumer complaints in the last 3 years

Monterey Financial Services LLC drew 1,498 consumer complaints in the CFPB database in the three years to November 6, 2026, and 2,597 since 2014. The largest group, 1,019, was about debt collection, and the most common issue was “Attempts to collect debt not owed” with 492. The company responded on time to 100.0% of the complaints, and 3.5% closed with monetary or other relief.

SpecStream is the live web data engine for teams and agents. It reads the CFPB complaint database every day, and this page is that reading. Ask for the companies you track by product, state or issue and each new complaint arrives in your sheet, CRM, Slack or agent as the CFPB publishes it.

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  • 1,498Complaints, last 3 years
  • 2,597Complaints, all years
  • 100.0%Responded on time
  • 3.5%Closed with relief
  • 10Products
  • Nov 4, 2026Latest received

Complaints by year

Every year the CFPB database holds for this company, by the date received.

YearComplaints
2026, to Nov 6680
2025523
2024281
2023148
2022127
2021157
2020138
2019103
2018111
2017122
201699
201562
201446

Products

Complaints in the last three years by the product the consumer chose. A product with enough complaints has a page of its own for this company.

ProductComplaintsShare
Debt collection1,01968%
Credit reporting or other personal consumer reports36124.1%
Payday loan, title loan, personal loan, or advance loan724.8%
Credit card140.9%
Debt or credit management110.7%
Student loan90.6%
Mortgage40.3%
Checking or savings account30.2%
Vehicle loan or lease30.2%
Money transfer, virtual currency, or money service20.1%

Issues

IssueComplaintsShare
Attempts to collect debt not owed49232.8%
Incorrect information on your report19613.1%
Took or threatened to take negative or legal action17211.5%
Written notification about debt17211.5%
False statements or representation1208%
Problem with a company's investigation into an existing problem906%
Improper use of your report704.7%
Communication tactics503.3%
Charged fees or interest you didn't expect221.5%
Problem when making payments120.8%
Getting the loan110.7%
Problem with the payoff process at the end of the loan100.7%
Credit monitoring or identity theft protection services70.5%
Struggling to pay your loan70.5%
Threatened to contact someone or share information improperly70.5%
Electronic communications60.4%
Confusing or misleading advertising or marketing40.3%
Didn't provide services promised40.3%
Fees or interest40.3%
Getting a loan40.3%
Problem with additional add-on products or services40.3%
Dealing with your lender or servicer30.2%
Problem with a lender or other company charging your account30.2%
Struggling to pay mortgage30.2%
Advertising and marketing, including promotional offers20.1%

How the company responded

Company responseComplaintsShare
Closed with explanation1,44696.5%
Closed with non-monetary relief513.4%
Closed with monetary relief10.1%

States

StateComplaintsShare
Texas22915.3%
Florida19112.8%
California17411.6%
Georgia1399.3%
New York1278.5%
North Carolina704.7%
Illinois453%
Maryland362.4%
Arizona342.3%
New Jersey332.2%
Pennsylvania332.2%
Ohio322.1%
South Carolina322.1%
Louisiana261.7%
Virginia251.7%
Nevada231.5%
Indiana221.5%
Washington201.3%
Alabama191.3%
Tennessee191.3%
Michigan171.1%
Missouri171.1%
Oregon110.7%
Colorado100.7%
Kentucky100.7%

Latest 50 complaints

Newest first. Each row links to the complaint's record in the CFPB database.

ReceivedProductIssueCompany responseSource
November 4, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
November 4, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
November 3, 2026Credit reporting or other personal consumer reportsProblem with a company's investigation into an existing problemClosed with explanationconsumerfinance.gov
November 3, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
November 2, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
November 2, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
November 2, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
November 2, 2026Debt collectionCommunication tacticsClosed with explanationconsumerfinance.gov
November 2, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
October 30, 2026Payday loan, title loan, personal loan, or advance loanProblem with the payoff process at the end of the loanClosed with explanationconsumerfinance.gov
October 30, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
October 29, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
October 28, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
October 28, 2026Debt collectionCommunication tacticsClosed with explanationconsumerfinance.gov
October 28, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
October 28, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
October 27, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
October 27, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
October 27, 2026Payday loan, title loan, personal loan, or advance loanProblem with the payoff process at the end of the loanClosed with explanationconsumerfinance.gov
October 27, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
October 24, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
October 23, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
October 23, 2026Payday loan, title loan, personal loan, or advance loanGetting the loanClosed with explanationconsumerfinance.gov
October 23, 2026Payday loan, title loan, personal loan, or advance loanProblem with the payoff process at the end of the loanClosed with explanationconsumerfinance.gov
October 23, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
October 22, 2026Debt collectionCommunication tacticsClosed with explanationconsumerfinance.gov
October 21, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
October 21, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
October 21, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
October 20, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
October 20, 2026Debt or credit managementConfusing or missing disclosuresClosed with explanationconsumerfinance.gov
October 18, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
October 18, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
October 18, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
October 18, 2026Debt collectionElectronic communicationsClosed with explanationconsumerfinance.gov
October 17, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
October 14, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
October 13, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
October 13, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
October 13, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
October 8, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
October 7, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
October 7, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
October 6, 2026Payday loan, title loan, personal loan, or advance loanCharged fees or interest you didn't expectClosed with explanationconsumerfinance.gov
October 6, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
October 6, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
October 5, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
October 4, 2026Credit reporting or other personal consumer reportsProblem with a company's investigation into an existing problemClosed with explanationconsumerfinance.gov
October 3, 2026Credit reporting or other personal consumer reportsProblem with a company's investigation into an existing problemClosed with explanationconsumerfinance.gov
October 3, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov

Also on SpecStream

Updated November 7, 2026. Read from CFPB Consumer Complaint Database. Public data from the Consumer Financial Protection Bureau (US government work), free for anyone to use. A complaint count is not a rate. A company with more customers can draw more complaints and a state with more people draws more, so this page compares counts only and ranks no one as better or worse. A complaint is a consumer's own account and does not by itself show that a company broke a law. The CFPB publishes a complaint after the company responds, or after 15 days, whichever comes first, and the database is not a statistical sample of consumers' experiences. Company responses are as the company reported them to the CFPB. The CFPB's product names changed over time, and the counts of the three years combine the old and new names of credit reporting. Consumer narratives and names are not shown on this page. This page uses CFPB data and is not endorsed by the CFPB. Free to reuse with credit to SpecStream under CC BY 4.0. Spot a wrong value? Write to [email protected] with the link to this page.