EPenzio, Inc Monterey Financial Services, Pacific Web Works Can't tell me what I am actually paying for! ripoff fake Salt Lake City Utah

I was ripped off by Epenzio as well. I was unable to ever use the product, i.e., selling merchant accounts.. They went out of business! But of course, the account was purchased by Monterery Financial.

I ended up having to pay it off so I could buy a house which made me so angry! I spoke with a credit attorney and she said the laws in California favor the collection company. It didn't matter that the collection was in on a scam. That guy from Monterey Financial made me feel like crawling in a hole and dying. He made threats and just never stopped harrassing me. I would love to get my money back. I have a huge file of everything that happened in 2002. I tried calling that guy the other post mentioned, but I was told they couldn't help me. I paid directly from my bank account so I didn't have the advantage of a credit card company to help. If anyone out there gets any results, I would love to hear about it.
thanks,
Isabella

They are listed with the BBB.org as:

Business ID: 1186-0009000136
Name: Monterey Financial Services Inc
Address: 4095 Avenida De La Plata
City: Oceanside
State/County: CA
Zip/Postal Code: 92056

Federal Trade Commision
600 Penselvania Ave, NW
Washington, DC. 20580
877-382-4357

Both Monterey Financial Services and Monterey Collection Services are the same company at the same address witht he same phone numbers. Don't let them to continue illegal fraudulant practices.

My complaint has been listed elsewheres on this ripoff site and yes, I have filed my complaint with Utah's Consumer Protection Agency and with a Mr. Ao Pauga in regards to ePenzio as well as Monterey Financial Services. My husband and I wimped out and paid off MFS just to get ePenzio off of our back. Ao P. says that I can't file with him about MFS as they are located in Calif. and ePenzio is in Utah (different states he says don't deal in the same complaint). I think that there has got to be a way to deal with this and to recoup some of the lost money from Monterey--can anyone out there advise? If so, it would be much appreciated...and thanks...keep up the good fight.

Hi,

My husband got scammed by Galaxy Mall Stores on Line. He was out of work, had no income other than unemployment.

He was approved for a loan of $4900. through
Monterey Financial Services of Carlsbad California.

They are now in Oceanside, California.
Your story sounds strangely familiar.
Monterrey called and asked us when we would start making payments, and I told them never, because the product they financed was a scam.
Then I started to get phone calls from a guy named Eric Hansen, of Monterey Financial.
He would sometimes call as early as 7:00 AM on Saturday and Sunday.

His usual statements would be, ( as he laughed)
That if we didn't pay, they would ruin our credit.

He'd add things like,"just wait till you want a new car or a house" so you'd better pay.
I laughed at him and hung up, which made him madder, he called more often.

So I got privacy guard and he stopped calling because I would NEVER accept any of his calls.
He tried to call using an unblocked number, but I told him off and hung up.

I think that MOnterey Financial is in bed with certain scam organizations.

I have filed a formal complaint. I refuse to pay.

And yes, they have reported me, but I have a very good LOE, and the support of so many others that share the same story.

Don't give in to these creeps.
They have no place to go but down!