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Data / Consumer complaints / Monterey Financial Services LLC / Payday loan, title loan, personal loan, or advance loan

Monterey Financial Services LLC: 72 CFPB complaints about payday loan, title loan, personal loan, or advance loan, last 3 years

Updated November 7, 2026. Source: CFPB Consumer Complaint Database.

Monterey Financial Services LLC drew 72 consumer complaints about payday loan, title loan, personal loan, or advance loan in the CFPB database in the three years to November 6, 2026, 4.8% of its 1,498 complaints in that time. The most common issue was “Charged fees or interest you didn't expect”. The company responded on time to 100.0% of them, and 1.4% closed with monetary or other relief.

The request: Watch Monterey Financial Services LLC: each new CFPB complaint about payday loan, title loan, personal loan, or advance loan by issue, with the date and the company response. $10 of work on sign-up, no card.

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.

  • 72Complaints, last 3 years
  • 4.8%Share of the company's complaints
  • 100.0%Responded on time
  • 1.4%Closed with relief
  • Oct 30, 2026Latest received

By period

The three years are cut into 12 month periods ending on the date of the latest data.

PeriodComplaintsShare
12 months to Nov 6, 20263650%
12 months to Nov 6, 20252433.3%
12 months to Nov 6, 20241216.7%

Issues

IssueComplaintsShare
Charged fees or interest you didn't expect2230.6%
Problem when making payments1216.7%
Getting the loan1115.3%
Problem with the payoff process at the end of the loan1013.9%
Struggling to pay your loan79.7%
Problem with additional add-on products or services45.6%
Credit monitoring or identity theft protection services22.8%
Confusing or misleading advertising or marketing11.4%
Problem with a company's investigation into an existing problem11.4%
Problem with fraud alerts or security freezes11.4%
Received a loan you didn't apply for11.4%

How the company responded

Company responseComplaintsShare
Closed with explanation7198.6%
Closed with non-monetary relief11.4%

States

Where the consumers who complained live, as they gave it to the CFPB.

StateComplaintsShare
Florida1318.1%
California912.5%
North Carolina68.3%
Virginia45.6%
Illinois34.2%
Maryland34.2%
Nevada34.2%
South Carolina34.2%
Arizona22.8%
Colorado22.8%
Minnesota22.8%
Missouri22.8%
New York22.8%
Texas22.8%
Utah22.8%
Alabama11.4%
Iowa11.4%
Idaho11.4%
Indiana11.4%
Kansas11.4%
Louisiana11.4%
Michigan11.4%
New Hampshire11.4%
New Jersey11.4%
Oregon11.4%

Latest 25 complaints

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

ReceivedProductIssueCompany responseSource
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 27, 2026Payday loan, title loan, personal loan, or advance loanProblem with the payoff process at the end of the loanClosed 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 6, 2026Payday loan, title loan, personal loan, or advance loanCharged fees or interest you didn't expectClosed with explanationconsumerfinance.gov
August 28, 2026Payday loan, title loan, personal loan, or advance loanGetting the loanClosed with explanationconsumerfinance.gov
July 21, 2026Payday loan, title loan, personal loan, or advance loanCharged fees or interest you didn't expectClosed with explanationconsumerfinance.gov
July 14, 2026Payday loan, title loan, personal loan, or advance loanProblem when making paymentsClosed with explanationconsumerfinance.gov
June 30, 2026Payday loan, title loan, personal loan, or advance loanProblem with additional add-on products or servicesClosed with explanationconsumerfinance.gov
June 23, 2026Payday loan, title loan, personal loan, or advance loanGetting the loanClosed with explanationconsumerfinance.gov
June 21, 2026Payday loan, title loan, personal loan, or advance loanProblem when making paymentsClosed with explanationconsumerfinance.gov
May 20, 2026Payday loan, title loan, personal loan, or advance loanGetting the loanClosed with explanationconsumerfinance.gov
May 14, 2026Payday loan, title loan, personal loan, or advance loanGetting the loanClosed with explanationconsumerfinance.gov
May 12, 2026Payday loan, title loan, personal loan, or advance loanGetting the loanClosed with explanationconsumerfinance.gov
May 7, 2026Payday loan, title loan, personal loan, or advance loanProblem with the payoff process at the end of the loanClosed with explanationconsumerfinance.gov
April 17, 2026Payday loan, title loan, personal loan, or advance loanProblem with the payoff process at the end of the loanClosed with non-monetary reliefconsumerfinance.gov
April 13, 2026Payday loan, title loan, personal loan, or advance loanStruggling to pay your loanClosed with explanationconsumerfinance.gov
April 7, 2026Payday loan, title loan, personal loan, or advance loanReceived a loan you didn't apply forClosed with explanationconsumerfinance.gov
March 18, 2026Payday loan, title loan, personal loan, or advance loanCharged fees or interest you didn't expectClosed with explanationconsumerfinance.gov
March 16, 2026Payday loan, title loan, personal loan, or advance loanGetting the loanClosed with explanationconsumerfinance.gov
March 12, 2026Payday loan, title loan, personal loan, or advance loanStruggling to pay your loanClosed with explanationconsumerfinance.gov
March 11, 2026Payday loan, title loan, personal loan, or advance loanCharged fees or interest you didn't expectClosed with explanationconsumerfinance.gov
March 10, 2026Payday loan, title loan, personal loan, or advance loanCharged fees or interest you didn't expectClosed with explanationconsumerfinance.gov
March 10, 2026Payday loan, title loan, personal loan, or advance loanCharged fees or interest you didn't expectClosed with explanationconsumerfinance.gov
March 3, 2026Payday loan, title loan, personal loan, or advance loanCharged fees or interest you didn't expectClosed with explanationconsumerfinance.gov

Also on SpecStream

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.