Debt collector · complaint record
Monterey Financial Services complaints
Filed under Monterey Financial Services LLC
Consumers have filed 2,611 complaints about Monterey Financial Services since 2014, 774 of them in the last 12 months (+58% on the year before). It answered 100% on time and closed 3% with relief for the customer - less often than a typical debt collector. The most common problem is attempts to collect debt not owed.
Average response record. How it works
- Complaints on record
- 2,611
- Last 12 months
- 774
- Answered on time
- 100%
- Closed with relief
- 3%
- Last 30 days
- 50
- Rank
- #60 of 1,963
Since February 2014
+58% vs the year before
Industry: 96.5%
Typical debt collector: 24%
Newest: Nov 10, 2026
Most complained-about debt collectors
Monterey Financial Services complaints by month
The busiest month was March 2026 (95 complaints). Complaints in the last 12 months are up 58% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How Monterey Financial Services answered last 12 months
- Closed with monetary relief10.1%
- Closed with non-monetary relief253.2%
- Closed with explanation74896.6%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
- Answers on time45/45100% on time
- Relief for customers3/403.4% closed with relief
- Complaint trend4/15+58% vs last year
What Monterey Financial Services complaints are about
Top Monterey Financial Services problems last 12 months
Inside "Attempts to collect debt not owed"
- Debt is not yours 500
- Debt was result of identity theft 159
- Debt was paid 72
- Debt was already discharged in bankruptcy and is no longer owed 28
Where Monterey Financial Services complaints come from
Most complaints: California (356), Texas (335), Florida (308), Georgia (196), New York (192).
Monterey Financial Services compared with other debt collectors
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | Credit Systems InternationalDebt collection | 52 | 877 | C |
| 2 | TekCollectDebt collection | 55 | 872 | C |
| 3 | SezzleDebt collection | 45 | 845 | D |
| 4 | AcimaDebt collection | 67 | 820 | B |
| 5 | Bull City Financial SolutionsDebt collection | 51 | 810 | C |
| 6 | Opportunity FinancialDebt collection | 54 | 778 | C |
| 7 | Monterey Financial ServicesDebt collection | 52 | 774 | C |
| 8 | Debt Recovery SolutionsDebt collection | 48 | 728 | D |
Compare side by side: Monterey Financial Services vs Credit Systems International · Monterey Financial Services vs TekCollect · Monterey Financial Services vs Sezzle · Monterey Financial Services vs Acima
What people say about Monterey Financial Services
All experiencesNo experiences with Monterey Financial Services yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Monterey Financial Services complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Nov 10, 2026 | Credit reporting | Problem with a company's investigation into an existing problemProblem with personal statement of dispute | Explained |
| Nov 10, 2026 | Debt collection | Written notification about debtDidn't receive notice of right to dispute | Explained |
| Nov 9, 2026 | Payday & personal loans | Getting the loan | Explained |
| Nov 9, 2026 | Payday & personal loans | Getting the loan | Explained |
| Nov 7, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Nov 7, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Nov 7, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Nov 6, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Nov 6, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Nov 5, 2026 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| Nov 5, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Nov 5, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
Questions about Monterey Financial Services
How many complaints does Monterey Financial Services have?
Monterey Financial Services has 2,611 complaints on record since February 2014, including 774 in the last 12 months and 50 in the last 30 days. That makes it number 152 of every company by complaints this year.
Does Monterey Financial Services respond to complaints?
Yes. Monterey Financial Services answered 100% of its complaints on time (within 15 days) and closed 3% with relief - money back or a fix; 0.1% ended with money back. The rest were mostly closed with an explanation only. Its Response Score is 52/100 (grade C).
What do people complain about most with Monterey Financial Services?
The most common problems are attempts to collect debt not owed (759), took or threatened to take negative or legal action (245), written notification about debt (285).
Is Monterey Financial Services legit?
Monterey Financial Services is a real company with a public complaint record: consumers have complained about it 2,611 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Monterey Financial Services legit? for the signals, red flags and how to protect yourself.
Are complaints about Monterey Financial Services going up or down?
Up. There were 774 complaints in the last 12 months against 491 in the 12 before (+58%). See every month.
How do I file a complaint against Monterey Financial Services?
Complain to Monterey Financial Services in writing first and keep a copy. If it isn't fixed, file an official complaint with the federal consumer financial regulator - the company must answer, usually within 15 days. Our step-by-step guide: how to file a complaint against a company. Then share your experience here so others know.
Where do most Monterey Financial Services complaints come from?
Most come from California (356), Texas (335), Florida (308). Big states file more complaints, so the map shows complaints per 100,000 people.
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
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