ReeRee K.

I ordered a refurbished Dell Laptop in September 2016 which the battery does not work within a year as well as i had to replace the laptop charger 3 times since purchase. Total purchase price was $474 plus $17 process fee and $18 week was deducted each month and my final payment would be due Dec. 6,2016 I thought there return process was more of an inconvenience, hassle and it would be less stressful to keep it and replace the parts. I did 90 day same as cash and in December when I attempted to make my last payment, I was unable to log in and got an error and to call customer service. I called and spoke with David and processed the $216 due to pay the balance. I found it odd that after he processed (or pretended to) I asked if there was any confirmation number that I could refer to and was told: "No but if there is any problem with the payment that I would receive an email, other than that you should be fine. Months later I checked my account and Monterey Financial was taking $75.00 from my account which i discovered was the the cause of the domino effect of overdraft charges. During that time, I fell ill and was dealing with a family crisis and was unable to deal with the stress. When I did speak to someone from there they were extremely aggressive and rude when trying to explain to them that the balance was paid within the 90 days on December 16,2016 and I do not owe. I now have derogatory mark on my account owing $315 outside of the $75.00 for 9 months they have been unjustly and illegally robbing me of. The only proof I have is the day I called and paid it off and the duration of the call from my phone bill. As life was already stressful enough, I feel the are predatory and do this to consumers in order to pay that ridiculous high interest and do not process when trying to call within the 90 days to avoid that. I will be seeking legal counsel and demand they remove that false balance due as well as reimburse me for any fees outside of the $216 that was paid off within my 90 days. I am a single parent on a fixed income and I they purposely seek out individuals as myself that may need a payment plan. This is predatory lending and no different than stealing money that does no belong to them. It took awhile but while my family is in order as my health I am fighting back and getting all moneys back that I don't owe and seek legal action for damages due to this!