Complaints

This profile includes complaints for Meridian Financial Services, Inc.'s headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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  Meridian Financial Services, Inc.

  1636 Hendersonville Rd STE 135 Asheville, NC 28803-3057

  
• 

  Meridian Financial Services, Inc.

  PO Box 5919 Asheville, NC 28813-5919

  

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:09/04/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am filing this complaint regarding an inaccurate and misleading account reported by REMOVEDSVC (Original Creditor: Mountainside Villas Owners A) on my Experian credit report.The account reflects a payment status of Paid, was a collection account, insurance claim or government claim or was terminated for default, which clearly indicates that the debt has been paid in full and should no longer be treated as an active derogatory account.However, despite being fully paid, the account is still:- Reported under the COLLECTION account type.1. Inconsistent and Misleading Reporting - If the account has been paid, it should no longer be reported under the Collection account type. Reporting a paid account as a collection misrepresents its current status and damages my creditworthiness.2. Incomplete Reporting Across Bureaus - This account only appears on my Experian credit report and is absent from REMOVEDand Equifax, raising concerns about inconsistent and potentially incomplete reporting, which can lead to unfair treatment by lenders.3. No Proper Verification Provided - I have not been provided with documentation verifying the accuracy or legality of this accounts continued reporting as a collection.*I am requesting that this account be REMOVED entirely from my Experian credit report.

  Business Response

  Date: 09/05/2025

  Meridian Financial Services reports this account accurately. The balance was paid in full and is reflected as such. Our company reports to Experian and REMOVEDonly. We submit updated information to both agencies weekly; however, how the information appears on each report is determined by the credit bureau.
  Removing a paid account that was previously in collections would be a violation of both our reporting agreements with the credit bureaus and the Fair Credit Reporting Act. The account is therefore being reported properly as paid in full.

• Initial Complaint

  Date:07/24/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Im filing a complaint against Meridian Financial Services REMOVEDfor placing a debt on my credit report that I do not recognize.I never received a bill or notice before this appeared on my credit file. Ive asked for proof and validation, but havent received anything.This account should be removed immediately if they cannot verify it. I want this resolved quickly and in writing.

  Business Response

  Date: 08/08/2025

  I am attaching the documentation that our client provided to validate the account placed with REMOVEDfor collections.  Should you have any further questions, please call our collections department at REMOVED.

• Initial Complaint

  Date:07/19/2025

  Type:Sales and Advertising Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This was for timeshare maintenance. Timeshare was paid in full about the year 2010. In 2017 (8 years ago), I informed the timeshare REMOVEDwho was trying to upsell me, the last time that I visited the property, that I no longer desired this timeshare and to just resell it, which he said they would and we had no further contact either via phone, or mail. Meridian obviously bought an old Maintenance fee agreement for collections, which is no longer valid since the timeshare company sold the timeshare again 8 years ago. And now they are saying that it is a brand new debt. Also, over the 7 year credit REMOVEDorting time frame, using an address that I haven't owned or lived in for over 6 years. They keep saying it's a valid and legitimate current debt. They need to just forget they bought a BAD and OLD maintenance agreement, remove this from my credit REMOVEDort and move on

  Business Response

  Date: 08/01/2025

  Thank you for your recent correspondence. Our office has reviewed the records provided by our client, which confirm that the ownership of the timeshare in question remains active and titled in your name. There is no record of a formal transfer, resale, or surrender of the ownership, nor has any documentation been provided to evidence such a change.
  Informing a sales representative of your intent to relinquish ownership does not constitute a valid or enforceable cancellation or transfer under the terms of your original agreement. Additionally, your obligation to pay annual maintenance fees continues until a legitimate and documented transfer of ownership occurs.
  The maintenance fees being pursued are valid and remain due and owing. As to your concerns regarding credit reporting: the account has been reported in full compliance with the Fair Credit Reporting Act, including the applicable reporting time frame and address data as provided by the creditor at the time the debt was incurred.
  Should you have written documentation from the REMOVEDcompany confirming a transfer, sale, or cancellation of your ownership, please forward it for further review. In the absence of such evidence, the account will remain active and considered valid.

• Initial Complaint

  Date:07/15/2025

  Type:Delivery Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  they don't have a number to the business

  Business Response

  Date: 07/16/2025

  Thank you for your inquiry. As a third-party collection agency, we are governed by the Fair Debt Collection Practices Act (FDCPA), including Regulation F, which outlines the information we are required to provide to consumers regarding a debt.
  Under Regulation F, we are obligated to disclose the name and mailing address of the original creditor upon request. However, there is no federal requirementunder Regulation F or the FDCPAthat mandates we provide the phone number of the original creditor.
  We remain committed to complying fully with all applicable laws and regulations and ensuring consumers have access to the information they are entitled to under federal law.
  Please let us know if you have any additional questions.

• Initial Complaint

  Date:07/11/2025

  Type:Product Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I received a phone call November2024 requesting payment of REMOVEDfor REMOVEDusage. I advised we had not used this service and had advised them prior we did not want their services. Then we received letter June 2, 2025 for $349. dated May REMOVEDwhich I responded to June 5, 2025 by certified mail. Tracking number 9589 0710 5270 2873 9972 79 - it was delivered 6/9/2025 at 11:05am with individual at the business signing for it. No further documentation has been received as requested in my letter and they proceeded to collection. Their letter said they must stop collection if I responded by 7/2/2025 which I did. This does not seem to be a fair process and I dispute their charges!My credit was reduced from 827 to 670.Please advise if further information is needed!

  Business Response

  Date: 07/30/2025

  Per the attached Ms. REMOVEDis a valid owner of the account membership through Vacation Ownership Advisor.  Should she wish to discuss the account, or discuss the possibility of a settlement she can call our office at REMOVED.

  Customer Answer

  Date: 08/06/2025

   
  I am rejecting this response because:
  

  July 31, 2025

  Meridian Financial Services, Inc.

  PO Box 59198Asheville, REMOVED28813-5919

  Regarding: Account REMOVED

  REMOVED-000001250

  Ms. REMOVED:

  Our initial notice was received prior to 2/05/2024 for a REMOVEDinvoice.  2/07/2024, I called Spartan Odyssey and was informed that the REMOVEDis a separate service as a concierge if we used them but Spartan Odyssey had its own concierge so we wouldnt need the REMOVED.  At that point, I thought it was just a means to obtain funds for services we were using.  So initially, I advised REMOVEDof REMOVEDto cancel the service and not attempt to reprocess payment requests from my account.

   A cancer diagnosis, radiation and chemotherapy stopped most of our travel and then my husband was diagnosed with Parkinsons in which has progressed substantially year by year.  Then I find the collection notice.  I requested proof that we used these services in order to understand why we needed to pay for a service we werent using.  We were really unaware that the REMOVEDdues was continuing to be charged and never intended it to be so.  It appears you have received far more compensation than we have received in services.

  After reviewing some of the documents signed from that original date it appears that REMOVEDis attached but in all honestly we never understood there would be a separate fee for services never used and missed automatic payments from my account due to illnesses.

  So, you have hit my credit rating and that empowers you.  I do believe this is a huge misfortune on our part to be involved in any of this.  I would like to resolve the matter by negotiating a payment of 50% to resolve the matter and cancel any further involvement of a REMOVEDmembership.

  Please advise if you are willing to accept this offer.

  Sincerely,

  REMOVED-REMOVED

  CC: BBB #REMOVED

  
  

  Business Response

  Date: 08/06/2025

  Our client has agreed to accept $200.00 as settlement of this matter.  Upon receipt of this amount your credit file will be updated to reflect that this account is satisfied with Meridian Financial Services, Inc.
  
  Upon payment of the agreed upon amount as stated above your account will be satisfied, and you will no longer have an obligation to our client.
  
  Payments can be made over the phone via check or debit/credit card, online (REMOVED), or through the mail.Should you have any additional questions you may contact our REMOVEDat REMOVED.

  Customer Answer

  Date: 08/11/2025

   
  Better Business Bureau:
  

  As I offered to Meridian and Meridian Financial has accepted as full and final payment of $200 including restoration of my credit as final resolution to this matter of VOA billing.  Despite the fact I feel this is somewhat unfair overall in the way business was conducted.  A check is being mailed today.

  I have reviewed the response made by the business in reference to my complaint, and find that this resolution is satisfactory to me.
  
  Thank you. 

  
  

• Initial Complaint

  Date:06/05/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Meridian Financial Services is wrongfully reporting two negative past due credit accounts of $8826 and $5565 on my Transunion Credit Report.I do not have any signed credit agreement with Meridian Financial. I did not authorize any credit business with Meridian Financial Services. Meridian Financial Services has never been authorized to do any credit business for me. Meridian Financial Services is violation of the Fair Credit Reporting Act.

  Business Response

  Date: 06/20/2025

  
  Enclosed, you will find the supporting documentation provided by our client to validate the account placed for collection.   
  
  If you have any additional questions, please contact our REMOVEDat REMOVED.

• Initial Complaint

  Date:05/30/2025

  Type:Sales and Advertising Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I was informed by REMOVEDthat I had been turned into a collection agency Meridian Financial by I found out Hyatt for a time share fee I had not paid. As it turned out the notices and bills were being sent to a wrong address both by REMOVEDand then Meridian. I have owned this timeshare for 10 plus years and been faithful with my payments. Meridian said they tried to contact me but I have no record of that. I was then going to pay what I owed but found out they were adding over $800 in collections fees for notices I never got. Disgusting

  Business Response

  Date: 06/04/2025

  The information you provided has been forwarded to our client. We are currently awaiting their response and will notify you as soon as we receive an update.

  Customer Answer

  Date: 06/07/2025

   
  I am rejecting this response because:
  I do not see a response from them other than their original letter sent to me on 5/30/25. If they had me turned over to them for collection why is their first notification dated 5/30/25?  As I previously stated I never received any communication in writing,emails or phone from either REMOVEDor Meridian and only received this 5/30/25 because I called them regarding my notification from Experian. I immediately paid the fee owed but not the collection fee. For obvious reasons .Meridian admitted they had the wrong address and changed their address in records while I was on the phone. Meridian said they had used the address given to them by Platinum which explains why I never got an original bill or any follow up. From looking at other complaints against Meridian my situation is not uncommon 

• Initial Complaint

  Date:04/29/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  RE: REMOVEDX meridian financial LOCATED AT REMOVED. ATTEMPTS TO COLLECT A DEBT NOT OWED. have not supplied proof under the doctrine of estoppel by silence, REMOVEDv REMOVED(Mo) 281 SW 715 719. I may presume that no proof of the alleged debt, nor therefore any such debt in fact exists.REMOVED1. Request for Original Instrument of Indebtedness:REMOVEDUnder Section 609(a)(1)(A) and Section 611(a)(1)(A) of the Fair Credit Reporting Act (FCRA), I am requesting that you provide the original instrument of indebtedness with my autograph on it. Please note that I am requesting the original document, not a photocopy. This is to ensure the authenticity of the document and its terms. REMOVED2. Complete Audit Trail and Tax Registration Certificate:REMOVEDIn accordance with Generally Accepted Accounting Principles (GAAP), International Financial Reporting Standards (IFRS), the Basel III Accord, and REMOVED(UNCITRAL) conventions, I request a complete audit trail of the accounts related to this debt. Additionally, please provide a copy of the Tax Registration Certificate for the involved entities. REMOVED3. True Certified Copy of the Original Note:REMOVEDPlease provide a true certified copy (NOT a photocopy) of the original note or promissory note (credit agreement) that binds both parties. This request is made to ensure that the document is an official and verified copy of the agreement. Please send this document via certified mail to ensure there is an independent witness to the delivery. REMOVED4. Validation of Debt:REMOVEDIn accordance with the Fair Debt Collection Practices Act (REMOVED), 15 U.S.C. 1692g Sec. 809(b), I am disputing the validity of the claim and formally requesting validation of the debt. Please provide detailed validation as required under the REMOVEDto substantiate the claim that you are asserting.

  Business Response

  Date: 05/07/2025

  Enclosed you will find the supporting documentation that has been provided by our client to validate the account placed by them for collection.   

  Should you have any additional questions you may contact our REMOVEDat REMOVED.

   

• Initial Complaint

  Date:04/24/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am disputing and $802 penalty Meridian is charging when I received no notice of the debt.I did not receive a bill for my Hyatt VOA fees this year. I pay every 2 years and have always received a bill in the past. The website has my correct address, email and phone number. I was receiving marketing mail so had no reason to suspect there was an issue.On 4/23/25 I saw on REMOVED's site that my payment was overdue. I tried to pay it immediately, but was told I needed to pay Meridian. Total amount per Hyatt is $2,441.94 including late fee and interest.I called Meridian and REMOVEDtold me I owed ~$3,200. They added an $802 penalty, At this time the payment was less than 4 months overdue, and I still had not received a notice from Hyatt or Meridian. She said they had been mailing notices and calling. I verified with her she had an invalid address and phone numbers, other than one. She emphasized they had been calling and mailing letters, and did not care that I had not received any of them. She would not remove the penalty and would be reporting it to the credit bureaus.I told her I had never received any notice of this bill and would not pay the $802 penalty, but would immediately pay the $2,441.94 which included interest and a late charge. It did not matter I had never been notified.I looked through my voicemails to find the calls she said they made to me:3/26, 4/2, 4/9 and 4/17/2025 I received a voicemail saying "This is REMOVEDfrom Meridian financial services. Please call me at REMOVED".4/16/2025 I received a voicemail with 2 minutes of music and no words 4/22/2025 I received a voicemail saying "This is REMOVEDfrom Meridian financial services. Please call me at REMOVED".Never once did they mention what they were calling about. I assumed it was spam and did not return those calls, as I had no business dealings with Meridian Financial Services.

  Business Response

  Date: 04/28/2025

  Thank you for the opportunity to respond to Ms. REMOVEDconcerns regarding her account with REMOVED.

  We understand that receiving a collection notice can be upsetting, particularly when there is confusion about the origin of the debt. However, after reviewing the account, we confirm that Meridian acted in accordance with all applicable regulations in our efforts to contact the consumer.

  Meridian made multiple phone attempts and left voicemails that complied with Regulation F of the REMOVEDdebt collection rule. These voicemails, known as limited-content messages, are restricted by law to include only the name of the business, a request to return the call, and a callback number. We are not permitted to mention the nature of the call or account details in voicemail messages.

  In addition to phone outreach, multiple written notices were mailed to the address on file: REMOVED. None were returned as undeliverable, indicating successful delivery. It is the consumers responsibility to ensure their address is correct with the original creditorin this case, REMOVED

  The $802 penalty was assessed by the creditor and included in the balance forwarded to Meridian due to several months of non-payment. While the consumer may have received other marketing materials, this does not confirm the receipt of billing notices or validate that contact details were accurate at the time.

  Because Meridian followed all legal and contractual guidelines, we respectfully decline to remove the penalty. However, the consumer is welcome to contact us to discuss payment arrangements.

  We remain committed to respectful, fair treatment of all consumers and appreciate the chance to respond.

  Customer Answer

  Date: 04/28/2025

   
  I am rejecting this response because:
  
  Hyatt has my correct information.  The address Meridian has been mailing my personal financial information to is not my address, and was never given to Hyatt. I have never lived at that address. My ex husband lived at that address for 1 year, in 2018. He never provided that address to Hyatt either. 
  

  I dont know anyone who would call back a financial company they have never heard of and have no account with with all the scams going on today, when they do not mention it is in regards to a legit account they do have.
  

  The balance due per Hyatt is $2441.  They cannot accept my payment because Meridian will not release the account.

  
  

  Business Response

  Date: 04/28/2025

  Please note that, as Mr. REMOVEDremains a liable party on the account, his address was appropriately provided to our office. According to our records dated 4/23/25, your account manager attempted to update your address, but you declined to provide the updated information at that time.
  

  Regarding the content of our voicemail messages, Meridian complies with the requirements of Regulation F as issued by the Consumer Financial REMOVED(CFPB). These regulations limit the information we are permitted to include in voicemail messages to protect consumer privacy.

  If you have concerns about the scope of these regulations, we encourage you to direct them to the REMOVEDor your elected representatives, as Meridian is required to follow federal guidelines as written.

  Customer Answer

  Date: 04/28/2025

   
  I am rejecting this response because:  As I said, the address you have has never been given to Hyatt.  No one related to the account has lived there in 6 years.  Mail was not forwarded to any current address.  I did not provide you an updated address on 4/23 as it was not necessary.  You have my telephone number, and my response that I will pay the amount due of $2,441.  Mailing me notices telling me you will only accept $3,200 will not change that.

  
  

  Business Response

  Date: 04/29/2025

  While we understand your concerns regarding the address, please note that annual dues are assessed each year and remain the responsibility of the owner, regardless of whether a billing statement is received. It is the owners obligation to ensure timely payment.
  
  As the account was not brought current by the due date, additional fees have been applied in accordance with the terms of the agreement. These fees are valid and will not be waived.
  
  We respectfully maintain that the full balance of $3,200 remains due, and no further adjustments will be made.
  

• Initial Complaint

  Date:04/24/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  In in February 2025, I was contacted by a man named REMOVED, who works for Meridian Financial Services about a timeshare maintenance fee for The Flagship resort in REMOVEDHe informed me that Meridian is a collection agency, and I owed the Flagship a balance of $1266.35. When he called I was in the middle of scheduling two surgical procedures on my spine. I am disabled and suffer from severe arthritis.I explained to Mr. REMOVEDthat I was not well and asked if this had been reported to the Credit Bureaus, HE SAID, "NO." At this point I asked if I could set up a plan for four payments. He said I could. I told him that I needed to call him back to do so.I called him back twice in March, but he was out of the office. When I finally got him on the phone, he was nasty and obnoxious. But what really upset me was the fact that he initially LIED. The maintenance fee had been reported to the Credit REMOVEDaddition, he thought the fact that he was on vacation when I called to set up the plan was sufficient enough to put the blame on me for this bogus debt being sent to collections. But what he was really doing was trying to cover up his LIE!This is situation has caused my credit score to dip 51 points, and I have not been able to use my timeshare since 2017. I paid my maintenance fee for 2019, but no one ever returned my calls.The stress the Flagship and Meridian has caused me has my blood pressure in a dangerous range. I PAY MY BILLS, but the Flagship is taking advantage of a disabled senior citizen. These people behave like grifters! They are WRONG, and I just don't have the strength to deal with this hurtful nonsense. They have cost me thousands and subjected me to verbal abuse. Some body has to do right by me! My life resembles a character in a REMOVEDnovel. This dangerous nonsense has to STOP!

  Business Response

  Date: 05/06/2025

  We received the consumers account from our client, REMOVEDon February 6, 2025, for collection of a past-due balance for unpaid timeshare maintenance fees. A model validation notice was mailed on February 10, 2025. No dispute was received within the 30-day validation period. On March 12, 2025, we sent a notice stating the account could be reported to credit agencies after 45 days from placement. A follow-up letter was sent on April 11, 2025, confirming the balance was still owed and offering payment options. None of the letters were returned by REMOVED The consumer spoke with our account manager, REMOVEDon February 27, 2025. He advised that if a payment plan was set up, credit reporting could be delayed. Plans must include prescheduled ACH or credit card payments. REMOVEDoffered a three-payment option; the consumer requested four and said she would call back. She left two voicemails for REMOVEDon March 17, 2025, during his absence. Other agents offered assistance, but she declined and requested to wait for REMOVED. On March 28, 2025, she spoke with him and expressed concern over credit reporting. He reviewed the timeline and explained that no payment plan had been set up prior to the reporting window. On April 14, 2025, she called again and asked when the account was placed, stating she was told it was not in collections. The call ended abruptly. Regarding Mr. REMOVEDhe is direct and professional in his communication and conveyed all relevant information according to company policy. Our internal review did not identify any deviation from expected conduct. The balance is for unpaid annual maintenance fees. The last payment on file was for the 2019 billing cycle. Fees continue to accrue annually, regardless of usage. Ownership and billing records confirm the validity of the balance. Given her attempt to follow up during the representatives absence, we are willing to request credit deletion in good faith if a formal payment arrangement is completed.

   

  REMOVEDDisher REMOVEDCCCP

  Compliance Officer