CFPB Consumer Complaint Profile
Monterey Financial Services LLC
Consumers have filed 2,102 complaints with the CFPB against this company, a record that maps out how disputes over credit, billing and collections tend to unfold.
Data updated 2026-08-14
- 2,102
- Total complaints
- Among the highest
- 607
- Last 12 months
- 100%
- Timely response
- Top decile
- 52
- States affected
The verdict
2,102 CFPB complaints put Monterey Financial Services LLC at #201 out of 3,843 financial companies ranked by complaint volume. It posts a 100% on-time response rate, the 86th percentile among companies with 100+ complaints.
- #201
- of 3,843 companies by volume
- 100%
- on time (86th pctile)
- Debt collection
- most-complained product
- 52
- states with complaints
Based on this company's own CFPB response record -- timely response, dispute rate, and relief rate, each benchmarked against every tracked company with 10+ complaints. Not a measure of product quality, pricing, or company size.
Monterey Financial Services LLC vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
100% Top 14% higher than 86% of 1,335 companies
companies with 100+ CFPB complaints, bucketed by value
Each bar is a band; taller bars hold more companies. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source Consumer Financial Protection Bureau, Consumer Complaint Database · 2026-08-14
What changed
CFPB Consumer Complaint Database 2024 to 2025 complete years
- Annual CFPB complaint volume moved from 281 in 2024 to 523 in 2025 (2024 → 2025).
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2014 | 46 |
| 2015 | 62 |
| 2016 | 99 |
| 2017 | 122 |
| 2018 | 111 |
| 2019 | 103 |
| 2020 | 138 |
| 2021 | 157 |
| 2022 | 127 |
| 2023 | 148 |
| 2024 | 281 |
| 2025 | 523 |
| 2026year in progress | 185 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Monterey Financial Services LLC
The CFPB Consumer Complaint Database has logged 2,102 complaints against Monterey Financial Services LLC overall, with 607 of those filed in the trailing 12 months. Reports have come from consumers in 52 states and territories, making this a nationwide complaint footprint. The single largest complaint category is "Debt collection," which consistently leads the product-level breakdown and signals where consumer friction is most acute. The specific issue named most within that category is "Attempts to collect debt not owed," a reasonable starting point for understanding recurring friction.
CFPB-forwarded complaints against Monterey Financial Services LLC draw a 100% reply rate inside the Bureau's 15-day window. That is at or above benchmark levels, a sign the company handles intake and escalation well. Resolved cases drew a formal consumer-dispute rate of 25.7% - a rough measure of how often the first resolution missed the mark. Among resolved complaints, the consumer-relief closure rate is 10.7%.
How to read complaint counts
Complaint counts alone do not tell the full story: larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration, and the ratio of monetary-relief closures to closed-without-relief outcomes. Together, these fields provide context for reading the published CFPB record; they do not establish wrongdoing or resolve an individual dispute.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.
Frequently Asked Questions
How many CFPB complaints does Monterey Financial Services LLC have?
2,102 complaints have been filed against Monterey Financial Services LLC with the CFPB overall - 607 of them in the past year.
Does Monterey Financial Services LLC respond to complaints on time?
Monterey Financial Services LLC's CFPB timely-response rate is 100%. That puts it among the more responsive companies in the CFPB dataset.
What product generates the most complaints for Monterey Financial Services LLC?
"Debt collection" draws more CFPB complaints against Monterey Financial Services LLC than any other product - see the full breakdown above.
What is the most common complaint issue with Monterey Financial Services LLC?
The most common issue reported by consumers about Monterey Financial Services LLC is "Attempts to collect debt not owed." All complaint issues are listed above with their counts.
How do I file a complaint against Monterey Financial Services LLC?
You can file a complaint against Monterey Financial Services LLC directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about Monterey Financial Services LLC?
Consumers in 52 states and territories have filed complaints about Monterey Financial Services LLC with the CFPB. This count includes the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions such as Guam, the U.S. Virgin Islands, and military postal codes (APO/FPO), which is why it can exceed the 52 states and territories that have a dedicated state page on this site.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Monterey Financial Services LLC: nearest financial companies by total complaint volume and by the share of complaints consumers mark as disputed. These are cross-firm neighborhoods, not the product-category list below.
Similar complaint volume
Nearest companies by total CFPB complaint count (2,102 here).
Similar dispute rates
Nearest companies by share of complaints marked disputed (25.7% here).
Also handles Debt collection
Other companies with the same primary CFPB product category on file.
Source: CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.