Rude and unprofessional. Have been through very hard times and they were completely unwilling to waive fees and threatened me. I was never unwilling to pay, always unable and they were very unprofessional about it. read more

BEWARE!!!! They are Horrible. Monterey Financial, WAGS and Oceanside Puppy are horrible! Do not get into a contract with them, stay far far away from them!!! You are RENTING the dog and actually paying 97% interest! We ended up giving the dog away and will let them come try to get him. Also found out later that the dog being a golden retriever is positive for the gene to develop hip dysplasia which is a $4000 surgery or the dog suffers. They are thieves and dishonest. I've never been so screwed over by a company. We wanted a golden retriever so bad and usually adopt but couldn't find any. So we opted to pay. But financing $2400 and it turning into $5800 is absolutely preposterous. I caught Oceanside puppy in lies when I would call. When I knew Ryan was in the shop. He was in a meeting, then he wasn't there, then when confronted about 30 seconds of silence when I asked why the girl was lying to me. Never received a call back. FFFFFFFFFFFFFFF!!!! read more

If I could give this company a negative amount of stars or a zero, I would! I have had my Monterey financial account for almost two years. In that time, I have been charged fees out of the wazoo! Fee after fee after fee. They have fees for fees! Also, each customer service agent you speak with gives you conflicting, and apparently wrong information. I just paid my account off in full 3 days ago ($4500!), which I paid via phone using a customer service rep. She stated my total amount due to pay off my entire loan and be able to close my account. However, I checked today to ensure that my account was paid in full, and they are stating that I currently owe them another $20, then $10 processing fee on top of that! I paid my account off IN FULL! There is always an issue with this company or my account. By far the worst loan experience I have ever encountered!! I used Monterey to pay for my schooling but it has been a hassle and a mistake since the day I got it! Interest rates are crazy, and I hate the $10 charge to make a payment. I will NEVER, I don't care what the circumstance is, have Monterey Financial again! I started as an excited, non bias college student, and now I am one pissed off consumer. They suuuuck! Do yourself a favor, and use another other means for a loan. Thank me later! read more

The absolute WORST people to deal with. Please I advise you to NEVER deal with these people. You don't want your staff to be "too friendly"??? They are not friendly in ANY way. I as a business owner of 4 years myself and have never talked to my clients the way these people have talked to me. EVER. So unprofessional and I do not understand how people are placed as supervisor when they are totally unfit for the job. Have some respect for your clients and maybe then you'll get a better outcome. DO NOT use this financial institution they are the WORST. read more

Worst Financial business. They will literally charge you for every transaction, even when you are trying to make a payment on the account.Their agents are very rude and unprofessional. DON'T DO ANY TYPE OF BUSINESS with THEM. They are loan sharks and will screw you over. read more

This was the worst experience of my life. Do NOT do business with this terrible place. I took out a loan to pay them off sooner, so I could deal with someone else. These people mess up payments and then issue ridiculous fees for their mistakes. I only worked with them to build my credit and they hurt it woth their own error. Everyone I spoke to was extremely rude and would even yell at me when I would call to fix errors on my account. I have never hated a company more. read more

Terrible experiences and I have only been dealing with this company for a month. They seem to never be open or answering calls. They charges me $15 on top of my payment, after I called THEM, because they failed to take the money out of my account for auto payment, when they never put any effort in to call me or notify me of any issue. Definitely would recommend avoiding this company if at all possible. Worst finance company I have ever had to deal with. read more

David E., San Diego, Are you friends with someone at Monterey Financial?? You say that Monterey is a collection agency and that's why they treat people the way they do-Tell me why WAGS Financial turns over their puppy mill "lease" accounts to Monterey the day after the pet is "leased"? These customers are NOT late. I called WAGS today and Blake told me my info is correct and that WAGS turns over their accounts immediatele because, "they simply don't have the time or staffing to do billing". I find that very odd because the owner of WAGS/Bristlecone financing was gloating online about how his business grew about 600% after being open for only 6 months-this was about 2 years ago. I think that blows that excuse out of the water! Could it have anything to do with $$$$$ Dusty? So disgusting. Go to consumeraffairs.com and check out the MANY COMPLAINTS regarding Bristlecone Holdings, WAGS Financial and Monterey Financial. You will see how Wunderlich and the lawyer who protects Bristlecone, Matthew Digesti, "run" this business. read more

this is a group who needs to be dismantled. I had paid off on an account and was overpaid. They informed me (Damian) that a check will be sent to me for the overage. I called on the 6th of October and was told the check was received and the amount will be sent back as a check. I had not seen anything. Called again on October 20th and then was told that they do not issue checks until the end of the month. ( story changing ) So okay....It is now November 5th and I placed a call to them and was forced to leave a message. No one returned my call. I had called at 1:30pm same day, got Rhanna to answer the call. This time she said we do not issue a check until the "following month" ??? story is changing again. I told her this is extremely bad business and I've heard 3 different stories and I had spoken to Damian about the payoff. Well that's in the policy that we send out the checks on the following month. whose? Because I never got the paperwork from Monterey, only from Kahuna and I read about the "selling off" of peoples bills....bad practice. So this employee was set on not sending a check out and I had explained to her all the places I am going to report this bad company. I also included a report to the bbb. She mentioned her supervisor and I told her...might wanna talk to the supervisor about getting me my refund before I hire someone to permenantly dismantle this business. She left me hanging on my phone for 10 minutes and returned to say that her supervisor will be placing a direct deposit into my account. And will be calling me in the morning to update me on this process. If this is another story.....its going get ugly on the phone tomorrow. read more

They get noooo rating from use!!!!! So my sons girl friend called Monterey financial to make sure she was right on the payoff amount on there loan/lease. The guy told her the amount was now $897 instead of $352 dollars cuz it supposedly pay off in 90 days it was supposed to be one large lump sum so I called Wags pet financing the people we got loan thru and a guy said he was gonna call and see if I can pay the $352 remaining balance today and close account cuz we were never told it had to be paid in one large lump sum on my contract I signed with Wags. So I'm waiting for a call back from them (THEY NEVER CALL BACK).the guy at Monterey financial was such a jerk to me. There office is in Oceanside Idk what to do. This whole thing is so stressful and confusing. we only took a loan out for 1080.00 and we've paid $890 already and now they're saying they want another $897 no one will return phone call and emails with both companies. I'm going to turn them in to the BBB. If any one can suggest anything please do. This place was the worse consumer service I have ever had in my life!!!!, All I asked for was there office hours and all (Janelle) could say was" what was my account number". I explained I did not have one and Janelle refused to tell me what their office hour were and days open, this lady was very loud and rude. Finally I was able to claim her down and explain my issue and she still wouldn't give me the office hours and days they were open. I then asked "are you open to the public and Janelle said yes for payments, I then asked again the hours and again she asked me for my account number, i kept telling her i do not have one and Janelle stated she could not tell me. I believe at this time they are doing something illegal and would never do business with them . I will get to the bottom of this and turn them in the better business bureau. You have not heard the last from me!!!!!!! read more

I purchased furniture and was financed through this finance company. You guys are the most horrible finance company and complete liars. Never again I will be going through your guys company, very shitty customer service as well. I paid EVERYTHING in full before the 30 days so that way I will never deal with you guys again. You say one thing and then the next day it's something different especially when I also requested for you to listen to the recording of the conversation I had with your reps. and failed to do so..... Then today I called again finding out I'm getting charged twice which I wasn't told! You guys talk to me as if I don't know what I'm talking about as of I'm stupid. Then at the the end rep hung up on me. I'm in customer service myself and yes there are circumstances on how we talk with our customers on the other hand you guys are very rude and you need to train your reps a little better. I'm giving you your company a thumbs down. read more

This was the worst lender I've ever dealt with and I have only had them as a loan servicing provider for 8 days including today. Loan hero changed my provider and along with that my terms and conditions. They charge me to make a fucking payment to my loan.. Huh? Whatever, besides that, their systems suck! It took several hours before the website would take a payment and I have been calling for 6 hours to reach a rep with no option to wait on the line.. If they're all busy guess what? You leave a message for a callback you will never receive. My payment finally went through when I decided to say fuck this company pay off the loan and never deal with them again. That's exactly what I did. Once this payment clears Monterey Financial can kiss my ass. read more

jan C. Absolutely terrible! We are in the United Kingdom. We were set up with this company having signed up to a holiday time share scheme in Mexico. (by the way never sign up to Exotic Travel yet another nightmare) We can never get in contact with Monteray, they do not pick up the phone, reply to e-mails. On the occasion when I did manage to contact someone I spoke to an extremely rude and ignorant lady who spoke to me as though I was thick! I didn't get an answer to my query, so as a true British person my husband and myself have just resigned ourselves to accepting that we have been drawn into an agreement and really been ripped off. We seem to be incurring charges we don't understand. Can't wait for the last payment and get rid of the lot of them!! Not a good situation. The worst and most expensive mistake we have made in our lives, certainly avoid this company not a good experience. read more

Employees at Monterey Financial Services are irresponsible. After they collect the money, they don't update on there records. We payed off our loan, never receive a letter about the pay off. The guy i spoke to and did the pay off with said he will mail the letter, never did. After 2mos they are calling us, collecting money on the already payed off account!!!! Seriously???? They said they will send the payoff letter, okay! It's been a month still no letter. Called again today, spoke to a different guy, he said he will send today, they waited for the account to be zero balance. It's been 3mos already! it should have been zero balance by the time it was payed off! I would never ever ever recommend this company! Negative star read more

This company is AWFUL! My original loan was signed with another company and what I signed electronically did not include the "intent to sell" clause. My loan went to Monterey Financial and I have had nothing but problems since. My loan for $2500 turned into owing $6,400!! They are constantly tacking on more fees for the stupidest reasons. It's a wonder if anyone ever pays them off! Their representatives are the rudest people in customer service imaginable. I filed reports with BBB and another consumer affairs company and demanded my account be sold to a far more ethical company and Monterey refused to do so every time. The people call you non stop and harass and threaten you and tell you you are going to do this! Disgusted with this company and how they treat people. DO NOT USE THEM! I researched my original loan company prior to signing loan and they had good reviews. Had I known this company would take over my loan I would have researched them and found these reviews and NEVER would have signed it. Trust me. DO NOT GET A LOAN FROM MONTEREY! read more

When you hear Monterey financial, run and don't look back. Staff are really unprofessional and rude. This is not based on any delinquencies or anything so one cannot state that is how staff are trained. I have never heard of Monterey financial as it is not a reputable financial institution. I was forced to do business with this company due to my online class and in the process of redirecting my student loan through a local institution. This company will debt your account without authorization even if you made a payment on your scheduled due date. Basically paying two months in advanced taking out 600 when patient is due for 189. Here's the unbelievable part: called in and representative insisted I made the call through the automative system and place three payments ahead of time. ( now why would I do such a thing) She was not only obnoxious but rather rude as if she hated her job. Did not fully listen to my concerns and cut me off multiple times, mind you, I did not come across rude, which tells me these staff has no education and no etiquette skills. If you have a choice in your financial needs do not seek Monterey financial. read more

If I could give negative stars I would. RUDE AS HELL. They lie about who they are. They yell at you on the phone. They threaten you. They do not hold up their end of contracts. And it is near impossible to actually nail down WHO to talk to to get anything accomplished. Dante - you are a slimy human working for a company with no morals. How do you sleep at night? I can't log in online EVER because not once have I been given my actual full account number - and since Blue Bay says the deal we bought doesn't exist, they don't have it either. Our unfortunate contract was with Blue Bay for a vacation package. So far it's been nearly 2 years of paying off this scam and not once have they honored the contract. Matter of fact I call and they flat out say they've never heard of the vouchers I hold in my hand, the package deal we bought, or the billing company?! Sometimes it's Mexico. Sometimes it's California. I don't want my credit in the gutter so I continue to try to chip away at this bogus debt. I'd get a lawyer, but since it crosses international, I'm not sure this is even feasible. I would've gladly written this review (and known to read others) but today was THE FIRST time I've received any correspondence with a full address in order to locate who to complain to via Yelp! I don't even know if Yelp will post this review because of how corrupt their practices are - but if in the off chance someone reads this DO NOT DO BUSINESS WITH MONTEREY FINANCIAL or BLUE BAY ESMERELDA! read more

A company I did business with used Monterey Financial to finance products. Never missed a payment. If fact was ahead a payment. Mistakenly made the amount of a payment on the written check line different. I immediately began receiving phone calls. Didn't realize who they were and thought they were a scam. Finally took the call. They wanted payment and were extremely aggressive, haughty, and condescending when I told them I had to verify through my bank that the check I sent was incorrect before I authorized any payment over the phone or sent another check. Will never do business again with any company who does business with them!! read more

These guys are thieves! I made my final payment a day before my 90 days. I called to verify the payment was made on time, then called the next day again and they said my payment failed and they would no longer honor the 90 day off. I have Funds in my account, and the transaction magically failed and they are now asking for $200 on top of the payment I had made! read more

Probably one of the WORST places I have ever financed through. I bought a puppy and loved loved loved her! Until the unfortunate day she got hit by a car. I knew having had filled out the paperwork I was still responsible for paying off my debt, but I had questions and wanted to talk more about if there was any sort of leniency or any way I could replace her (not like she was replaceable, but it doesn't hurt to ask) and keep paying my original debt. The response I got was so cold-hearted. Having just lost my puppy and already so torn up and so guilty the person I talked to told me it was MY FAULT she was hit by a car and it was equivalent to "a toy I bought and I broke and I am responsible for." I asked to talk to the manager because I was so shocked to the response I just got and come to find out the man I was talking to WAS the manager. If you have people like that running your business I could only imagine what the whole team must be like. I was not trying to scam anybody. like I said before I was ready to pay off the rest of my debt, but I had simple other questions, most I knew the answers to but I just wanted some comfort. DO NOT FINANCE THROUGH THIS COMPANY. They DO NOT care about you or what you financed. They only care about the money aspect of it... and that is the epitome of greed! greedy bastards. read more

The auto repair shop I took my car to advertised 90 days same as cash. It was clearly explained that if I went over the 90 days I would pay an enormous amount for interest. While signing the papers I found there was a "fee" which I agreed as I figured MF needed to make money some way. After my first payment I went on line and noticed the balance was not correct. I then learned that the first 30 days was zero %, but there was a small amount for interest if not paid by 90 days. I began to realize there was a problem with this company's transparency. At 75 days I called to get the balance, which had again increased due to "fees" but was assured that would be the payoff amount until my 90 days was up. Between day 75 and 85 I called three times, each time I was given different amounts. On day 85 I called with my bank info to pay off this loan and was assured I had paid it in full. The next day I went on line to verify it was paid off and saw a balance of over $100! I called and was told the balance was "only" $45 as there is a $15 fee per each payment made for processing. I gave her my bank info and paid it. I asked for an email confirmation that the account was paid in full but was told she could not do that. She will be mailing me a letter. The problem is, I will not receive that letter until after the 90 day mark. If I still have "any" balance there will be a finance charge added for over $2000!. This is a deceitful practice they have to get you to default on the loan agreement. read more

I give it a one because there is not a Zero. And to David E. I pay my bills, and when I call into a company I treat them with respect. But I don't get respect back for these people. They talk down to you from the minute you say hello. And the slam you with aggressive questions, like you are some low life scum. I bet that about half of these employees are late on most of their payments. Because most these positions are filled with people you can not get a real job. Enough on the employees. I have never hear of a company charging for an online payment. when I question the lady she replied its a western union fee. seriously, this is 2017 and your company still uses western union to collect??? what kind of a mickey mouse company is this. I know loan sharks. I have learned something while dealing with these jerks-offs. Next time I buy something on credit I'm going to ask who is the financial company and if they Say Monterey I will just say no.... read more

this company took our loan from travel services , feel I went from bad to worse, travel services was useless

worse financial services , just find out there is a 10 dollars fee for make payment online, there is no such a thing in the contract , trying to reach out costumer services now they saying if i send a check there is no fee , never heard of this before i hope people look for this financial services before they make the decision, read more