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.

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2.3K CFPB complaints

Monterey Financial Services LLC answers 100% on time (upper third) across 2.3K filings. Relief 10.1% · top product Debt collection. Allegations, not findings.

  • Volume rank #203 of 342
  • 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 …10.1%Consumer Adjustment Company …1.8%RentDebt Automated Collectio…0%Army and Air Force Exchange …0.5%BTH Management0.6%
Closed-with-relief % among Monterey Financial Services LLC and nearest filing-volume peers

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 →

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.

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Timely response rate 100.0%
Federal benchmark

CFPB benchmark: response within 15 calendar days of filing.

Relief rate 10.1%
Industry median (≥10 complaints)

Share closed with monetary or non-monetary relief.

Monterey Financial Services LLC complaint mix by product

Total complaints: 2.3K

Monterey Financial Services LLC complaint mix by product Horizontal strip chart. Width of each segment is proportional to that category's share of the 2.3K total complaints. Trend arrow shows rolling 12-month direction. Inline badge shows resolution rate (% closed with relief). Debt collection: 1,619 complaints (70.9%), resolution 10.4% Debt collection 70.9% Credit reporting: 317 complaints (13.9%), resolution 4.1% Credit reporting 13.9% Credit reporting,: 148 complaints (6.5%), resolution 29.7% Credit reporting, 6.5% Payday loan,: 67 complaints (2.9%), resolution 11.9% Payday loan,: 64 complaints (2.8%), resolution 1.6% Consumer Loan: 44 complaints (1.9%), resolution 0.0% Student loan: 25 complaints (1.1%), resolution 0.0%
  • 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

Nationwide footprint
Leading state
CA
14.1% of this company's filings
CA330TX290FL283GA172NY169NC116IL79VA68

Monterey Financial Services LLC rising annual filings

Annual filing volume from the CFPB public database

Rising vs first year
2026
429
+832.6% vs 2014
0200400600 2014201620182020202220242026 429

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.

4 peers

Similar timely response rate

Nearest companies by CFPB 15-day timely-response %. This record: 100%.

4 peers

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