Monterey Financial Services Collection Complaints. Stop the calls

Many consumers bring up complaints about harassing collection calls

Monterey Financial Services is a debt collection agency, which receives a lot of consumer complaints to our law firm for debt harassment. Find out who they are, why they might be calling, and how you can stop them.

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The harassing company pays our fees.

What is Monterey Financial Services?

Monterey Financial Services was founded in 1989, and its collection arm is Monterey Collection Services. They are also known as Monterey Billing Services and Monterey Loan Servicing. Based in Oceanside, California, Monterey Financial Services has a staff of more than 100 people, and has expanded into everything from document storage to jewelry industry loans. They have their fingers in many consumer loan pies, including vacation timeshares, elective medical procedures, and vocational school tuition.

Is Monterey Financial Services a scam?

Monterey Financial Services is a legitimate debt collection agency that operates on a contingency basis, which means that they do not get paid unless they collect the debt. At that point, they earn a percentage of the collected amount. In order to collect, they mail out letters, make phone calls, and offer consumers an online payment portal.

If you’ve suffered from Monterey Financial debt harassment, you do have options. Under the law you can recover up to $1,000 for violations of the FDCPA, and $500 to $1,500 for each cell phone robocall.

How many Complaints are there against Monterey Financial Services?

As of April 2017, the Better Business Bureau reported 64 closed Monterey Financial Services complaints within the previous three years, including 26 closed Monterey Financial Services complaints within the previous 12 months. The BBB gives Monterey Financial Services an A+ rating. In addition, Justia lists 11 Monterey Financial Services complaints filed in federal court in the past year alleging violations of the Fair Debt Collection Practices Act, one alleging violations of the Fair Credit Reporting Act, and three alleging violations of the Telephone Consumer Protection Act. Furthermore, the Consumer Financial Protection Bureau (CFPB) lists 79 closed Monterey Financial Services complaints for 2016.

Monterey Financial Services Collection Agency Address

Monterey Financial Services, Inc.
4095 Avenida De La Plata
Oceanside, CA 92056
Phone Number: 800-456-2225

Can Monterey Financial Services Sue Me or Garnish My Wages?

It is illegal for a debt collector to threaten to sue you or garnish your wages. It is also unlikely Monterey Financial Services would sue you for a debt you may not owe or they cannot validate. However, debt collection agencies are known to have summoned debtors to court and garnish wages after a default judgement. Contacting an attorney BEFORE this could possibly happen would be a smart move. We’ve helped thousands of consumers fight back against unscrupulous debt collection harassers. Find out if we can help you too today!

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Can you help me file a No Fee Lawsuit against Monterey Financial Services?

Sample Case Filed in Federal Court against Monterey Financial Services

In 2009, a judge in U.S. District Court, Western District of Pennsylvania, denied in part and granted in part Monterey Financial Services motion to dismiss Wideman v. Monterey Financial Services for alleged violations of the Fair Debt Collection Practices Act. According to the judge’s decision, the consumer claimed that Monterey Financial Services sent her two emails that did not identify the communication as coming from a debt collector, that threatened to file a form with the IRS, and left a message with her coworker, all in violation of the FDCPA. The court ruled that the consumer had stated a claim regarding third-party communications and a claim regarding misleading or intimidating statements. The case was allowed to move forward.

Monterey Financial Services Calling You?

Understand your debt collection rights

The Fair Debt Collections Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) are enforced by the Federal Trade Commission (FTC) and the Consumer Financial Protection Bureau (CFPB). The FDCPA regulates the behavior of collection agencies by prohibiting actions such as the use of abusive or threatening language; harassment; or the use of false or misleading information to collect a debt.

The FCRA regulates how collection agencies and creditors report delinquent debts to credit reporting agencies. Additional consumer protection laws include the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA). The complaint above illustrates how these laws can be extremely effective tools to hold accountable collection agencies who fail to adhere to their provisions.

These laws also provide individuals with a means to seek monetary damages in court. For example, the FDCPA allows consumers who have been violated to recover damages of up to $1,000, plus attorney fees and court costs.

Seek legal assistance to find the relief you may be entitled to if you are having difficulty resolving disputes with a debt collection agency.

Phone Numbers Used by Monterey Financial Services

Folks have told us that they have received collection calls from these phone numbers:


Want to Stop Monterey Financial Services Debt Collection Harassment Now?

Your debt harassment checklist:

  • You are receiving multiple calls per week from third party collection agencies
  • You are receiving early morning or late night calls from debt collectors
  • You are recieving calls at work from a debt collection agency
  • Debt collectors are calling your friends, neighbors, or coworkers
  • Collectors are threatening you with violence, lawsuit, or arrest
  • A debt collector attempts to collect more than you owe
  • You are being threatened with negative credit reporting
  • A debt collector attempts to intimidate you
  • Criminal accusations are being made towards you
  • Use of obscene language during an attempt to collect
  • Automated robocalls are being made to your phone in an attempt to collect

If you’ve been harassed by debt collectors and even one of these has happened to you, we can help. We will fight for your rights.

We can make them STOP!✋

The Lemberg Law legal team is committed to holding debt collectors accountable, so complete our form for a FREE case evaluation, or call 844-685-9200 NOW.

What Our Clients are Saying

“THANK YOU SO VERY VERY MUCH for everything you guys did for us…. This was our first time dealing with a situation like this and you guys made it so easy. Thank you!””

“I received my check today from Lemberg Law and am very excited. The wife and I might not take a vacation, but the extra money will sure help get some bills caught up. Thank you again for a great job!!! It is very much appreciated.”

“Thank you for all the work you have done on my behalf. I truly appreciate the blessing you have bestowed upon me. I didn’t realize I would be receiving any money from this wretched affair. I am taken aback by what you have accomplished on my behalf. This has turned out better than I could have hoped. I am appreciative of your services and feel blessed. Thank you!”

Can You Help Me Delete Monterey Financial Services from My Credit Report?

The short answer is yes. We can help. Call us today.

Sound Off!

Have you had a bad experience with this agency’s debt collectors? Sound off and share your experience with other visitors in the comment box below.

  • Fuad Said

    They scammed me on my student loans

  • Matthew

    Scam on loan with extra fees and extra outside legal fees supposedly

  • Candace Carson

    They are doing double damage to my credit report which is illegal in itself. They have one charge-off and one collection with different amounts for the same account.

  • Marlo M Shaw

    Monterey is claiming I owe them money when I don’t owe them a single penny. They’re crooks and they don’t care who they try to get money from. They have said I owe them a bit over 330.00 for services they never remitted. They need to be shut down.

  • Paula

    I went to buy a puppy and was told the price was $1700 with pet funding. No sooner than a week later I am told it’s Monterey Financial and there is NO paper work to breakdown what my payments are covering and WHY my total is now $4200!! They refuse to give me a call back or give me a payoff but they sure charge my account every month and send out letters of payment being made almost a month before it is due. Why is this allowed to happen? I want a breakdown and I wasn’t to get out of it asap!

  • Mekayla Sandoval

    I financed a puppy through Monterey Financial and I believe that I may have been the victim of predatory lending. I was 19 years old with about a 680 credit score and they approved me for $3,500 dollars which just happened to be the exact amount of the dog. Not even a week later I go to check my account and make a $249 payment and my amount doubled! I now owe over $7,000 dollars! After this they began to charge my account multiple times a month even though I kept telling the people calling that I couldn’t afford that much and that I was probably going to have to file for bankruptcy. However the calls and the harassment still continued. They call my moms house and my cellphone constantly and even though we block them they just call back with a different number. I even had to close my bank account and open a new one because they wouldn’t stop trying to force payments out of my account. I’m still 19 years old and I am so stressed out over the fact that I have no credit, and now I feel like I’m drowning in debt before my life has even begun. Please contact me, I’m desperate for some help out of this.



  • Kevin Arguinzoni

    Can you please get in contact with me? I am going through the same exact thing and I really need help. My number is (904) 894-xxxx , please please contact me. Monterey Financial is evil.

  • Kyla Chapman

    Hi there,

    Monterey’s financial has just contacted me claiming I will be reported in 5 days time due to debt owed. This is inaccurate, and the first time I have heard from them. The claim they sent showcasing what I owe is in Spanish and a hoax. Is there anything I can do to stop them reporting me?

  • janice fall

    3 years ago I got into a bad car accident when I was going to my mother’s Memorial. It was a hundred miles from my home. I went to Goodyear Tire comedy said they get me alone for $500 to fix my car. When I went to get my car it was $2,500. I was making $800 on disability at the time. I started out making the payments that it got really difficult for me and I tried to ask them to work with me and they wouldn’t. They just kept charging interest charging interest. They harassed me with phone calls they’ve called my son they’ve called friends by imagine if they’ve called my son and they said that they can sue me by taking me to court on a civil case and they can take 17% out of every paycheck and they’ll charge me the $4,500 that my bill went up to because of all the interest charges. I’m disabled I was in a rehabilitation for one year and I’m in a sober living now I don’t have a car oh, and I’m trying to get work. I have to move from LA to Springfield Missouri without a car oh, sweet Jesus Lord I can’t live. My name is Janice fall. My number is 310-7007 5220. My email is they have been harassing me by phone. If I don’t pay them tomorrow they said they’re going to close my case and I’ll be hearing from the judge.

  • jessica

    By far the worst company I have dealt with, got a loan for a go kart that was $1600 now they say I owe $3800.00 smh according to them $228 payment I’ve been making only $86 goes to the principle and $142 to them

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