Do not use this co for any financing needs , they are crooks . Anyone who has written a bad review, please contact us. I thought my beautiful Leo was paid in full. As of today I find out that they were paid 500.00 on top of his initial price of $2,000.00. They told me I still owe another 2,500.00. So that's 100% interest! I thought I was financing, they told me today for the 1st time it was a lease! How the Fuck do you lease a live creature?? We are going to report them to the local news station and put them out of business forever! Please people stay away from these scammers! This is Mafia.... and I can say that because I'm Italian.... in the United States. Whoever owns this company should be thrown in jail. Actually ! I'm going to do just that! You don't take advantage of people like this. Go to hell, you thief's !!! read more

You have got the Caring Ways of a Snake and the Mannerisms of a Loan Shark! My checking account was sabotaged by allowing these people access to automatic withdrawal! My account was $5 short the day they tried to deduct funds, which was 3 days prior to the normal date they normally take it out! They tried 2 times which caused me $40+ dollars per transaction! I pleaded for them to reverse the charges and they told me and I quote, "That's not Our Problem, You agreed to all the terms of our contract"! I told Her that I was outsourced and my agreement was with Planetgo not them!!! read more

Monterey Financial should be investigated and made to reimburse ALL monies they have stolen from so many Consumers who thought they were getting a loan .These guys are CROOKS hiding behind a Fraudulent company. I AM utterly appalled at the tactics they use to excuse them for charging consumers DOUBLE the orginal price of their purchase claiming to be charging for "Leasing" a PUPPY...REALLY??? NO ONE in their right mind would EVER agree to that. I am DISGUSTED that they could even get away with such a ridiculous trick. ACTION MUST BE TAKEN and people brought to JUSTICE ASAP. Rosa C read more

Very unhappy with the whole situation. Every time I spoke with them they insinuated my payment better clear or there would be a problem. I never missed a payment and in fact paid the loan off way early! They were short when speaking with me, took extra money without permission and then refunded me too much and expected me to pay the convenience fee of $15 for me paying the refund back. Given a choice I will never do business with them and strongly recommend no one else does either! What a miserable experience!!!!! read more

You probably don't need to read my review alone to understand that this isn't a very good company. I was sent to this company by another business to pay for a loan. My loan was for only $2,300. Monterey financial has turned that into a $5,600 lease with a buy out price of $2,600. Before I knew it I was stuck with it. Not to mention the interest rates are outrageous too. Don't make the same mistake myself, and many others, have made. Do Not use this company for a loan!! read more

This company is a scam! After making payments for 3 years I still owe almost the same amount as I started with. DO NOT USE THIS COMPANY unless you just like being ripped off. read more

Please! Please! Consumers out there who's planing to use Monterey Financial Services beware of this company. I made a big big mistake to get a loan from them. Every time I try to get the pay off it higher then the last time I asked. They assure me I'm getting a discount but in fact it's really a ripoff. I got a loan for 500. dollars and was told that I would end up paying maybe 40dllrs more for the loan. But in truth it's a 1,000 is my balance. They tell me it's a discount cuz if I pay it in a year's time it would be more then that.. Consumers beware! YOU HAVE BEEN WARNED!! read more

I belong to a RV resort and they use this business as their collection service for yearly dues. I was sent a letter on Jan 7, 2014 saying I owe $350 dues for the next year. I was waiting for income refund deposit which was going to be around the middle of Feb. Monterey Financial Services did not state in the letter that there would be a late fee 10 days after the due date of Jan 1st. I got the letter on Jan 7th. I had no choice but to pay it. This has to be unfair practice. No wonder people are moving out of the country. read more

This is the absolute worst company i've ever crossed paths with. First the lending agreements were shady and I was lied to, then when I call to find out about what is actually going on the rep tells me I am lying about what was told to me upon signing. I stayed on hold for hours and each rep gave me a run around about the information I was seeking. I will pay off this loan as soon as possible and will never EVER do business with this company again. STAY AS FAR AWAY AS POSSIBLE read more

If I could give negative stars I would, this financing agency is the worst. They basically trick people into signing lease contracts and acting like they are credit. I signed a loan with them and thought I had paid it off considering I had paid off all of what I had actually owed for my dog but they came back telling me that actually it was a lease and that I owed another $900 so far... The pet store had also led me to believe that it was CREDIT. Scam artists. Don't use them!! read more

Such a scam. I've had my dog for almost a year and only paid off $500 on a $2500 loan. They refuse to give you details about your account saying "we don't have access to the breakdown of your account". Then they charge you a $400 fee to cancel your lease, because as they described to me "you're renting the animal so you can either keep it or give it back". I've never heard of something so ridiculous. DO NOT USE THIS COMPANY. read more

Only if I was smart enough to read reviews for everything I buy or financing with.... Actually no, I find out it's leasing NOT financing like how they advertise these people. Leasing an old 2002 Mitsubishi eclipse from 2700 to 6000, more than half I am actually thinking I WAS GOING TO FINANCE !! How is the repair guy introduce us that we are financing the transmission with 6 months no interest. And it turns out to be leasing ??? That's a scam and illegal. Not only that, interest...rental fee..whatever they want to name it is 8% more than the regular interest rate of Texas....this can't be possible. Whether they are trained to not be friendly and it's their job to collect late payments or debts....it's their job to get their fact straight with each and every consumer accounts ! How is it possible when every time I called for a buyout quote, there's a different amount and different explanation??? If you all are on the same page, it should not be that difficult to track the account down with the right amount. But no, when it's about late payment and collecting the money, they are motivated to bother you to death !! Meanwhile, I am actually opening a case with them and going to sue them for fraud information... If this bank is not a scam or perfectly in a good stand, they wouldn't have so many cases that had been sued... and successfully lost the case from the consumer. There is a million of banks that collect debts, but this bank calling consumer a loser and what not is the first. Second, when you have a vendor advertising you, make sure it's accurate and mention that we are "leasing" not "financing" .... be upfront about it. I can't be leasing an old car like I am paying for a new car?? That doesn't make any sense!! Please everyone, if you already in debt with them..think of a smart way to get rid of them ! If you have not and was going to, best advice is not to deal with them at all..no matter how desperate in need you are. I promise you, you're life will be way easier !! I know there's justice somewhere around here..I hope there's someone out there can shutdown this people all for once so no one else will get trick "financing" with them ever again! read more

Do not use !!! This is a huge scam i am about ready to sue i bought a stereo system last nov and it was 425$ i understand there's interest rates but i have been making 73$ payments every month and now paying almost double i was told . NO ONE MAKE THE SAME MISTAKE AS ME ! DO NOT USE THIS COMPANY!!!! read more

caution do not do business here. look at all reviews here and on google and all source and each are no more than 1 star. bunch of thieves who harass you every month before your payment is due yes you hesr right before your payment is due not even late. read more

We need negative stars! this place sucks and so does their customer service, they are rude, will not discuss any issues on your account and they all know what's going on! These owners are in it for the $$$$ and don't care who you are! Several calls were made to them and no return calls till a week later! All their people are rude and there are no exceptions to the rules! I bet this customer service team has quota's to make and part of it is harassment of its customers...believe me, the people I financed my vacation rental will definitely find out about this HORRIBLE COMPANY!!!! RUN!!!! DO NOT USE THEM FOR ANYTHING!!!!! read more

My son thought he was making a purchase on a Boston Terrier puppy for $1800. The store offered him a loan though WAGS financing (who sells it off to Monterey) for $140 a month since he didn't have $1800 on him. After a few months he called over to find his balance since he wanted to pay the loan off early only to be informed that he hadn't actually BOUGHT his dog...Family Puppy LEASED it to him. He's already paid $1400 and when we called today to find the balance they said it would be almost another $1600. Way to take advantage of a 19 year old kid. The lesson here is READ YOUR CONTRACTS...they've told him that enough. Do a Google search of Wags leasing (Monterey Financial) pets and you'll see all you need to see read more

I called on 8/31 after having been effected by Hurricane Harvey. They extended my payment date to 9/11. They money drafted from my bank account, but I'm now getting collection calls because they charged me a $5.00 fee for extending my account. Plus some "other" $15 charge. I've tried calling and all it keeps telling me is to make a payment. I can't get thru to anyone! If it's going to cost $15 to do an automatic draft, (even though it says $2.00 on their site) I'd rather pay every month and only get charged $10 for the monthly payment. I honestly can't even tell if it is still set up as a monthly draft. Their website is not user friendly. I'm not happy about not being able to talk to anyone to find out what these fees are. read more

So I have a student loan with this terrible company. I mailed in a check on Feb 28 and they say they still don't have it, it's March 10th. So let the fees begin. I got a new bank card becuase mine was compromised and the bank sent a new one. I called to update my info and becuase my payment was due on the 1st they said it would be $10 to process my payment. There's a fee for everything at this company. I want to change my due date for my payment, there's a fee. You want to make automatic payments and enroll online, there's a fee for that. It's also interesting to me that the payment center in in Kansas City, Mo, but the office you call is in Vista, CA. As a result I can't talk to the people who get the mail and see if there is some hold up with the weather. I had no choice but to deal with these people, becuase it's a student loan, but they still treat you like you've done something wrong and send you into a debt collector for a simple loan. Also they've taken down their "reviews" tab on Facebook, becuase there were so many negative posts. Most of us don't have a choice whether we want to deal with this company or not, but most of them are A**holes and of no help what so ever. I am planning to pay off my loan just not to deal with them any more, can't wait to see what the fee is for that. The girl on the phone last week asked me "well what do you want me to do?" Super helpful chick. Sorry if you have to deal with them. read more

Wow I cannot believe them so I got a pet bird from there Wags leasing program in January I then called two Weeks Later asking for a payoff they gave me a payoff of $785 which I paid $700 right away that left me with a balance of $85 what I figured I had time to pay because I had just paid $700 i then call now in 3/22/2017 to pay the rest of my balance and they gave me a ridiculous amount of $270 this is unbelievable it should be illegal how could you charge me that much after I paid $700 two weeks after. a miserable $85 that now I wish I should could have came up with some how and paid they did not tell me that this would add up to so much this is crazy people please stay away from them do not do business with this company read more

I found it easy to beat the prices they were getting for me and they still wanted me to pay a few thousand $ for their non-existent discounts. read more

I got one other thing to say... "Class Action Lawsuit!" Google it, its real. This company has been sued more than once and everyone should sue them. I had to get a lawyer on these people. They charged me 208% interest on a loan. They lie. It doesn't matter if your loan was supposed to be 4% interest or 12% interest, or whatever the loan agreement was. 208%? Who is their right mind would agree to this type of fuckery? Yall need to get a lawyer. There are laws that protect us from banks and other companies from doing this. read more

I tried to pay my monthly payment for my Career Step loan several times. I was very confused as to why the loan payment would not process. I had a similar problem last month. I finally called and spoke with an agent at Monterey Financial yesterday morning because my frustration with the unprocessed payments surpassed my reluctance to interact with an agent. I have had very negative experiences with agents at Monterey Financial. Yesterday morning the agent and I went over my payment method, the payment amount, and everything checked out fine. I checked my online banking and had no fraud alerts. I obtained the extension number of the agent, hung-up and called my bank. I discovered that the amount of money I authorized Monterey Financial to take from my account was not being honored and Monterey Financial was trying to take more. I called the agent back and told her that the amount that Monterey Financial was trying to take was ten dollars more than what I had authorized. The agent was surprised and relieved to discover what was happening. She explained that there was a ten-dollar processing fee on each payment made through the website. The problem is that this ten-dollar processing fee does not appear on my emailed receipt and I did not check a box acknowledging to pay a higher total than my agreed payment amount. When I did my banking, I only had in the bank account the near exact amount I authorized Monterey Financial to take from the account. This practice is the very definition of hidden fee. While the agent tried to read me the company's legal ability to take more money than I was aware of, I interrupted her because the simple truth is that the practice is unethical. I have now been robbed in the form of excess fees/fines that have accumulated over a ten-dollar processing fee. A fee that has never been spoken of by any agent that I have spoken to in the last two months. It is amazing after all the trouble banks have gotten into over the last several years for unethical and absurd behavior, financial institutions still participate in such bad practices. It needs to be clearer, the amount of money that will be taken from one's bank account. I truly believe it is intentionally unclear, as to provide the opportunity to steal money. read more

I wish I could give ZERO stars the worst finance company ever they charge you for every little thing and the agent are beyond rude! Will never use them again nor will I ever recommend them to someone read more

They are horrible disrespectful and harassing individuals. My original loan was sold to them The only reason they even know my name. I agree with the other reviews they should not be in business. read more

This company will jip you for every dollar. If you make a payment online, $10 fee, If you enroll in auto pay $2 fee each time, and you can only have the minimal amount scheduled for autopay (so they can maximize their profits with the interest) you do a charge over the phone, $10 fee. So you mean to tell me, no matter what I do, There is a fee for making a payment on top of my already insane interest rate, also, for some reason my pay off keeps going higher, when i pay MORE than the minimal amount!!!! it just doesnt make sense! read more

Worst company to ever associate yourself with. They will charge you for ANYTHING. They say it's one payment and make it an excuse of why 10 extra dollars are being charged for. It's completely unprofessional of how they treat their customers. read more

Worst company ever. Was offered 90 days same as cash. Opened account on a Sunday that Monday I went to go pay it off. They told me to call back Wed as they didn't have my contract yet. This went on until Friday. I called every day trying to pay the account in full. Well, on Friday they got the paperwork and said they had to charge me a loan processing fee which was $800 plus $15 to use my debit card. The loan was five days old and I paid $800 bucks...atop of all this, they charged me for 2 1/2 years interest. I don't get it... What on earth did I pay for?.. The people on the phones were so rude but when I arrived to pay the account in full the supervisor was actually a nice guy. They still show a balance owed to them for interest on a loan I paid off. That's upsetting. Stay clear of this company if you can. Seems like a loan shark company. read more

Well. What can I say. They charged me $2.00 extra every month when I signed up for auto pay. I guaranteed they would collect their money by signing up for auto pay, and in response they charge me more money. Illogical. Cannot recommend. Update: They re-contacted me a few days later (I assume because my displeasure was noticeable), and waived the fee. This upped their stars (original rating I gave was one star). Overall, I can say Monterey Financial is satisfactory. They responded which is good. But the policy of charging people who guarantee regular payment is a poor way to conduct business. read more

This company is horrendous! Besides the lies They told me they also fraudulently charged my bank account and lied( I have the statements), the representatives and terrible, and they have been sued for this same issue three times in the last two years. I got a Loan for a dog at 18 being an idiot but I planned on paying the first three months and then paying the early buyout. When I called to do the early buyout they gave me a different amount then on my contract?!? Not only was it different but the amount went from 950 to over 2000. When I asked why they said the amounts on the contract were "estimates". I knew they were lying and stopped paying to investigate and figured out that it wasn't a estimate and called them and they tried to say that both the representatives who I asked gave me the wrong amount on accident?! And if I didn't send them 500 immediately they would send my account to collections. The representative was so rude, whenever I asked her a question she would say" I don't know, I don't know" or "when can I schedule a charge from your bank?" Never idiot! Now I don't know if they are dumb or just stupid but once they send the account to collections it can easily be taken off your credit report. They signed over the debt and you never agreed to pay the new company so it's against the fdcpa and there are plenty of credit companies who will take it off for you. Don't give them a dime read more

I have had a loan with this company for a Kirby vacuum. I have a final payment due and cannot pay it at the moment due to the death of my husband on March 22, 2018. Due to his death his Social Security benefits were not paid for April, even though it converted to me upon his death (missing $2000 of our income). Have they been understanding, absolutely not. They have called threatening, do robocall and leave me on hold for what seems too long. Get a life Monterey you are acting like thugs. read more

Started with collection calls and threats when account was current and HAD NEVER BEEN DELINQUENT. The epitome of incompetence rates zero "stars" which, of course, is not an option here. Keep calling, Monterey. See where we go. read more

I financed furniture at Cook Brothers through Monterey Financial. Basically the loan has doubled and is $1800.00 dollars now for $900.00. This was clearly false advertising and they do prey on individuals who are in need the moment...I can only be got once and never again will I burrow on furniture that could have gone in layaway w/o 100% financing.... Pray on your situations and ask for clear guidance in order to not be tempted... #Foolmeonce read more

I purchased a trial membership with a time share Co. and was told that I didn't have to have auto withdraw that I could make online payments. When I receive all my paper work I find out that the company financing this loan is Monterey Financial. I went to make an online Payment and this company wants to charge me 10.00 dollars to make an online payment. Who does that? It is wrong to charge your customers to pay there bill. they must be in a financial hardship. After countless arguments and discussion with there very poorly trained staff they kept telling me it was in my contract, after asking them where know one could actually tell me where it said I would be charged a fee to make a payment, all they could say was I have other avenues to pay if I didn't want to pay a fee. Then I was told it says in the contract that they could change there terms when ever they wanted too. I was then sent a copy of the agreement and it was very vague and surely dose not say that I would be charger a fee for using there online service. reached out to the president of the company and he had one of his flunky's email me back with ridicules rederick the rest of the employees are parroting back to there customers. So I will continue to call them and argue this point and be sure to use up my $ 10.00 a month fee in employee cost every month. It May cost me, but it will cost them as well. William Leese read more

NEVER even heard of them before I received a call from them demanding a payment for a non-existent service.

David E must work for them. LOL . this company is trash . I purchased a dog but on my credit report it states I bought a car. Second you can not get ahold of anyone. its annoying . if I knew then what I know now I would of never made a purchase . read more

Deceptive practices, failure to properly disclose fees (told me they didn't have disclose charges such as payment processing fee because it complied with FTC and that it was my responsibility to ask if I was charged a fee). Never disclosed it takes 10 days to show my account is closed and 60-90 days to report to the credit bureaus. Very shady!! read more

If I could choose no stars I would have. My husband used this company last year to purchase a dog from a pet store. We paid by phone on 2/25/2017 the full buy out amount for the dog including the end of agreement fee. We paid it off months ahead of time. The money was taken from my account on March 1, 2017. The name from the company that took the money from my account shows Monterey Financial. I have proof of this. I was told we were done with the payments by the person on the phone. We were not contacted since, until yesterday when I checked our mail. They mailed us a notice on 7/5/2017, which we received yesterday, stating that we owed 604.00 and a late payment of 108.97!! I cannot get anyone on the phone. I checked the online account and it shows the payment having been made but that is it. When I went through our emails it shows that the last we received before I made that last payment was on 2/13/17 and the next email received was on 6/1/2017 saying we owed them the full amount. Now tell me why would they go 4 months with no contact on a bill that they say is owed? EXACTLY! No printable receipts or anything else that could be of use are given by the company. We never received a receipt from the payment made in February by phone. This company is trash and a scam! I paid them off months ahead of time and now they are saying that I still owe them money when I do not!! I have contacted a lawyer about this and will be suing. Save yourselves the time and do not take loans from these people!! read more

Rip off and horrible customer services. 90 days same as cash means $15 hidden charge that I didn't realize until I got off the phone. I called back and was treated very poorly. In addition, if you don't pay the amount in full in 90 days the interest rate is 185%...yes 185%. I am calling the BBB immediately. Don't ever finance with this company. read more

Company is a rip off. I financed furniture from this little hole in the wall place that set up financing with Monterey Financial Services. They offered SAME AS CASH for 90 days. I called to set up service and was adviced my finance amount was $892.28. I asked for 3 payments which clearly calculates to $297.43. They quoted me $301.43 for each payment. A few extra dollars, I agreed to it. I called to delay my Aug. payment for 10 days so I could pay off the account in full. I was charged $12 to delay a payment. I agreed to it. So when I called to payoff account. I spoke with this nasty woman by the name of Janelle at ext 4206. Who didn't listen to me, over talked me as I was explaining what I was told by a previous agent. She trying to charge me $12 per payment for every payment they process. I told her I was never told this but any of the agents I spoke with. She told me that per their contract fees are associated and they can charge me for anything without explaining to me what the fees were for. Excuse me was my response. So she insist on transferring me to that previous agent when all I wanted to do is pay off the account. After several calls I finally got back to the original agent who I delayed my August payment with and paid off the account his name was Dallas at ext. 4213. He was really nice. I will NEVER do business and NEVER recommend and tell the world about this company and please avoid them. RIP OFF They sound like a company in a basement of an abandon builidng with plumbing problems. P.S. I paid off less than 90 days, Lets see if they try to bill me for the 3rd and final payment after the account has been paid in full. read more

We signed up for help to get out of our timeshare in 2016. This company said it would take them about 6 months to get use out off our contract. Here it is almost two years later and we are still not out off our contract. They told use not to answer the phone if our time share called us. We didn't answer but they also didn't do as they promised and just took our money and we got no results but a forclosure and now bad credit for that. They are a BOGUS company that doesn't live up to what they promise and just takes your hard earned money. So be aware of this so called financial company. Can an honest person tell me how to get our money back and out of this mess. Beware be very aware. I don't want to even give them any rating cause I am very disappointed in their tactics. The IVy's read more