CFPB · Faster timely-response band
Monterey Financial Services LLC
2.3K CFPB complaints · 100% timely (fast band) · top issue Attempts to collect debt not owed.
Monterey Financial Services LLC answers 100% on time (upper third) across 2.3K filings. Relief 10.1% · top product Debt collection. Allegations, not findings.
- Faster timely-response band
- +832.6% filings 2014 to 2026
CFPB relief outcome brief
CCDB company monterey-financial-services-llc
10.1% relief · 100% timely · 2.3K filings · Debt collection
Same-product relief peers
Nearest relief peer: Caine & Weiner Company, Inc. (10.1% relief)
Monterey Financial Services LLC closes 10.1% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Response Quality Score
Monterey Financial Services LLC scores strongest on timely response (100/100 percentile-benchmarked) and weakest on relief provided (47/100), blended into one 0–100 composite against the CFPB-wide distribution among companies with 10+ complaints. See methodology for the benchmark and weights.
Relief provided
47 / 100 percentile-benchmarked
10.1% of complaints closed with relief to the consumer
Timely response
100 / 100 percentile-benchmarked
100% of complaints answered inside the CFPB 15-day window
Closed with explanation
80 / 100 percentile-benchmarked
89.3% of complaints closed with an explanation to the consumer
Most of Monterey Financial Services LLC's 2.3K filings include narrative text
45.2% carry a written consumer narrative, this ledger is unusually text-rich for a CFPB company page. Counts still add to the company's total filings; narrative presence is not a severity finding.
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
Monterey Financial Services LLC complaint mix by product
- Debt collection 2K 70.9% – 10% relief
- Credit reporting 317 13.9% – 4% relief
- Credit reporting, 148 6.5% – 30% relief
- Payday loan, 67 2.9% – 12% relief
- Payday loan, 64 2.8% – 2% relief
- Consumer Loan 44 1.9% – 0% relief
- Student loan 25 1.1% – 0% relief
Higher-relief mix: how Monterey Financial Services LLC's 2.3K complaints split across CFPB product categories.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 1.6K |
| Credit reporting or other personal consumer reports | 317 |
| Credit reporting, credit repair services, or other personal consumer reports | 148 |
| Payday loan, title loan, or personal loan | 67 |
| Payday loan, title loan, personal loan, or advance loan | 64 |
| Consumer Loan | 44 |
| Student loan | 25 |
| Credit card | 16 |
| Mortgage | 10 |
| Checking or savings account | 7 |
| Debt or credit management | 7 |
| Vehicle loan or lease | 7 |
| Credit reporting | 4 |
| Credit card or prepaid card | 4 |
| Payday loan | 3 |
| Money transfer, virtual currency, or money service | 2 |
| Bank account or service | 1 |
| Other financial service | 1 |
Nationwide filing states for Monterey Financial Services LLC
Top states by attributed CFPB complaint volume for this company
- Leading state
- CA
- 14.1% of this company's filings
Monterey Financial Services LLC rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 429
- +832.6% vs 2014
Volume vs. relief
Where Monterey Financial Services LLC sits on volume vs. relief
Among the 342 companies large enough to be indexed on PlainComplaint, Monterey Financial Services LLC files more complaint volume than 41% of them, and closes complaints with relief more often than 67% of them, placing it in the quadrant for lower volume, above-average relief. Complaint volume and relief rate are independent figures: a high-volume company can still resolve most complaints, and a low-volume one can resolve few.
Total complaints: 2,346 · Closed with relief: 10.1%
Top States
| State | Complaints |
|---|---|
| CA | 330 |
| TX | 290 |
| FL | 283 |
| GA | 172 |
| NY | 169 |
| NC | 116 |
| IL | 79 |
| VA | 68 |
| NJ | 56 |
| PA | 51 |
| MD | 48 |
| OH | 47 |
| AZ | 46 |
| SC | 45 |
| NV | 41 |
| WA | 40 |
| TN | 38 |
| MI | 37 |
| IN | 31 |
| LA | 28 |
Top Issues
| Issue | Complaints |
|---|---|
| Attempts to collect debt not owed | 677 |
| Incorrect information on your report | 265 |
| Written notification about debt | 244 |
| Took or threatened to take negative or legal action | 220 |
| False statements or representation | 203 |
| Communication tactics | 116 |
| Improper use of your report | 85 |
| Problem with a company's investigation into an existing problem | 83 |
| Cont'd attempts collect debt not owed | 79 |
| Disclosure verification of debt | 52 |
| Charged fees or interest you didn't expect | 50 |
| Problem with a credit reporting company's investigation into an existing problem | 31 |
| Managing the loan or lease | 26 |
| Problem when making payments | 24 |
| Problem with the payoff process at the end of the loan | 16 |
| Getting the loan | 15 |
| Threatened to contact someone or share information improperly | 14 |
| Dealing with your lender or servicer | 12 |
| Taking out the loan or lease | 12 |
| Struggling to pay your loan | 11 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2014 | 46 | 100% |
| 2015 | 62 | 100% |
| 2016 | 99 | 100% |
| 2017 | 122 | 100% |
| 2018 | 111 | 100% |
| 2019 | 103 | 100% |
| 2020 | 138 | 100% |
| 2021 | 157 | 100% |
| 2022 | 127 | 100% |
| 2023 | 148 | 100% |
| 2024 | 281 | 100% |
| 2025 | 523 | 100% |
| 2026 | 429 | 100% |
Source: CFPB Consumer Complaint Database
Monterey Financial Services LLC in the faster-timely third
Monterey Financial Services LLC's 2,346 logged complaints reach a nationwide footprint - 53 states have at least one filing. 45.2% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2014 through 2026-06-25. Timely response 100% sits in the upper third of the corpus.
Monterey Financial Services LLC answers 100% of complaints inside the CFPB's tracked window (timely band: fast) and closes 10.1% with relief; 89.3% close with a written explanation. Consumers disputed 0% of responses after the company replied. Top product "Debt collection" · top issue "Attempts to collect debt not owed."
A complaint is a consumer-reported allegation, not proven wrongdoing. See the disclaimer below for how volume relates to company size, and cross-check against the CFPB Consumer Complaint Database directly before drawing conclusions about Monterey Financial Services LLC.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Monterey Financial Services LLC: nearest filing volume and nearest CFPB timely-response rate among companies with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.
Similar filing volume
Nearest companies by total CFPB complaints. This record: 2.3K.
- Consumer Adjustment Company Incorporated Δ 7 complaints · 1.8% relief 2.4Kcomplaints
- RentDebt Automated Collections, LLC Δ 22 complaints · 0% relief 2.3Kcomplaints
- Army and Air Force Exchange Service Δ 45 complaints · 0.5% relief 2.4Kcomplaints
- BTH Management Δ 49 complaints · 0.6% relief 2.3Kcomplaints
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 100%.
Disclaimer: This data is from CFPB public records. PlainComplaint does not provide financial advice. A complaint does not indicate that a company has violated any law or regulation. Complaint volumes are influenced by company size, customer base, and market presence. Use this data as one of many inputs when evaluating a company.
Data sourced from official public datasets for Monterey Financial Services LLC (#203 of 342; 100% timely; 10.1% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Faster timely-response band