Business Profile

Collections Agencies

Meridian Financial Services, Inc.

Complaints

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

Customer Complaints Summary

68 total complaints in the last 3 years.
38 complaints closed in the last 12 months.

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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:03/12/2024
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.
Meridian Financial Services placed 2 collection accounts on my consumer report.I dispute these collections primarily on the basis that I DO NOT have any contractual agreement with Meridian Financial Services! In accordance with my rights under the Fair Debt Collection Practices Act (FDCPA) I am requesting the official signed purchase, -or- assignment of debt agreement between the original creditor and Meridian Financial Services granting them authority to collect the alleged debt.I am not asking for any other letter, or statement! I would like the contract giving them the rights to place this collection on me! If the requested proof documents are not provided, Meridian Financial Services has no rights to collect this debt, and must cease and stop all collection actions and, cease any reporting of these accounts.
Business Response
Date: 03/12/2024
Thank you for the opportunity to respond to the concerns expressed by ************. Meridian Financial Services, Inc. received Ms.Khans accounts from our client, ********************* on September 19, 2022, for past due maintenance fees.

All qualified debts serviced by Meridian are reported to two major credit reporting agencies *********** and Experian on a monthly basis. A qualified debt is defined as either an outstanding loan debt, maintenance fees from separate years, or special assessments billed by a client. All amounts that Meridian pursues are authorized by the documents that the debtor signed to create the debt and/or state law.

Upon researching Ms. ***** claims, our client provided the attached Warranty Deeds along with all other related documents that were executed by *************************** and ******************* on May 31, 2014, and July 7, 2021, related to her purchase of the timeshare interests through *************************. Our client also provided the account history and mortgage history for the accounts.

Should ************ wish to discuss the account further she can reach out to her account manager by calling ************.

** ***** of **** ******* Number #*********
Customer Answer
Date: 03/14/2024

I am rejecting this response because:

My rights are completely violated. It is my right to request for the specific documents i asked for. Instead they send documents i did not ask for while continuing to violate the laws that protect consumers. They sent me none of what I requested which is my right by law under the ***** rules for validation of debts.
The fact that this company ignored my requests, is so disrespectful, disappointing, disgusting, and ridiculous.
This complaint is more proof Meridian financial service *** is ignorant to the laws of fair debt collection protection act, and I will be seeking damages for their unfair unlawful practices.
Initial Complaint
Date:02/29/2024
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.
I am not liable for this debt with 12 *********************, I do not have a contract with Meridian Financial Services. They did not provide me with the original contract as I requested.
Business Response
Date: 03/04/2024
Thank you for the opportunity to respond to the concerns expressed by **************. Meridian Financial Services, Inc. received Mrs.Greens account from our client, ********************* on February 27, 2019, for past due maintenance fees.

All qualified debts serviced by Meridian are reported to two major credit reporting agencies *********** and Experian on a monthly basis. A qualified debt is defined as either an outstanding loan debt, maintenance fees from separate years, or special assessments billed by a client. All amounts that Meridian pursues are authorized by the documents that the debtor signed to create the debt and/or state law.

Upon researching Ms. ****** claims, our client provided the attached Warranty Deed recorded December 23, 2014, in the Official Records of Coconino County ******* and all other related documents that were executed by ************** on November 23,2014, related to their purchase of the timeshare interest at *********************. Our client also provided the Account History Report for **************.

Should ************** wish to discuss the account further she can reach out to her account manager by calling ************.

Sincerely,

******************************
Compliance Manager
Customer Answer
Date: 03/08/2024

I am rejecting this response because: Villas at Pico Diablo sold the property in May 2017 and current ownership is ********************* and *************************.

Business Response
Date: 03/11/2024
In researching ****************** response our client has advised that they do not have any history or notes indicating that this timeshare interest was transferred into anyone else's names. Our client has requested that ************** provide a copy of the recorded deed that conveys the timeshare out of her name.
Initial Complaint
Date:12/22/2023
Type:Product 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 company leaves voicemails with me several times weekly. At least 5 times. They somehow go straight to voicemail, phone is not ringing. They want me to call them back. Not interested, I've seen nothing but bad reviews about them online. I've never gotten mail or email from this company. I can not block their number since I'm not getting an incoming call.
Business Response
Date: 12/22/2023
Good afternoon:

Upon researching your request, I have been unable to locate an account within our system given the information provided. Please note, Meridian Financial Services, Inc. is a third party collection agency located in ************** that specializes in the timeshare industry. Our office does not utilize voicemail drop technology.

Please note, there are numerous collection agencies in ***************** that utilize the name Meridian Meridian Financial Management, Meridian Financial Solutions, etc.

If you feel that we are the correct agency, please provide additional information regarding the account in question, such as an account number and I will be more than happy to attempt to locate an account.
Customer Answer
Date: 12/22/2023

I am rejecting this response because:

The individual calling has said 'Meridian Financial' services, I have deleted all the messages, but will wait to see if I get any more messages. I don't have an account # because I'm contacted and asked to call back. The number that the call is from has varied, but I do believe it has been in the **** 828 area code most of the time.
Initial Complaint
Date:12/20/2023
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.
See this number on my caller ID the last few weeks no one ever leaves a message or I haven't received any written correspondence from them also don't see them on my credit report. So I'm not aware that I owe them anything
Business Response
Date: 12/20/2023
Good afternoon:

Upon researching your request, I have been unable to locate an account within our system given the information provided. Please note, Meridian Financial Services, Inc. is a third party collection agency located in ************** that specializes in the timeshare industry.

Please note, there are numerous collection agencies in ***************** that utilize the name Meridian Meridian Financial Management, Meridian Financial Solutions, etc.

If you feel that we are the correct agency, please provide additional information regarding the account in question, such as an account number and I will be more than happy to attempt to locate an account.
Customer Answer
Date: 12/20/2023

Better Business Bureau:

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:11/09/2023
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.
I received a collection letter from them. On 10/11/23 I sent them a certified letter, which was signed for on 10/17/23, asking for proof of debt to be sent to me within 10 days. I have received nothing as of 11/8/23. I was notified that they listed the account in collection without complying with my request.I want it removed from all 3 credit bureaus immediately and proof it was completed sent to me.
Business Response
Date: 11/09/2023
Please note, Meridian Financial Services, Inc. received a full cease and desist notification from ************************ on October 10, 2023. We did receive his request for validation of the debt as he stated on October 17, 2023 - however, this correspondence did not lift the previously placed cease and desist request, therefore Meridian was unable to send the requested information. If ************************ wishes to remove the previously requested cease and desist demand, we will gladly provide validation documentation to him. Note, under the ***** and FCRA Meridian does have 30 days to provide this documentation to a consumer.

Customer Answer
Date: 11/09/2023

I am rejecting this response because: I asked for proof from letter that was sent to them on 10/11 and signed for on 10/17/23. If they will not provide it, I want collection account removed.
In the letter it asks for proof and was within time frame they allotted. So either send me detailed proof from Royal Holiday or remove.

Business Response
Date: 11/09/2023
As previously stated one letter specifically requesting a full cease and desist of collection efforts was received on 10/10/23 - the certified letter he references was clearly marked as received on 10/17/2023 - however, given that it did not lift the prior cease and desist, documentation was not sent to him.
We will gladly provide the requested documentation as soon as Mr. ********** lifts the cease and desist from the account.
Initial Complaint
Date:10/09/2023
Type:Order 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 contacted on 10/6/23 at 4:48 PM EST from the number ************ Making false or misleading statements: I expressed that I did not want to be contacted and asked them to please take me off their list and the woman on the phone said they have the right to contact me as much as they want. Using abusive or threatening language. The woman was threatening to *** me and when I asked for their company's name she hung up the phone after only saying the name "Meridian" and using the name "attorney *********************".
Business Response
Date: 10/09/2023
Upon researching your request, I have been unable to locate an account within our system given the information provided. Please note, Meridian Financial Services, Inc. is a third party collection agency located in ************** that specializes in the timeshare industry. Our office does not have an employee by the name of ********************* nor do we utilize the telephone number ************.

Please note, there are numerous collection agencies in ***************** that utilize the name Meridian Meridian Financial Management, Meridian Financial Solutions, etc.

If you feel that we are the correct agency, please provide additional information regarding the account in question, such as an account number and I will be more than happy to attempt to locate an account.
Initial Complaint
Date:09/18/2023
Type:Order 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 is breaking the law and not allowing me to dispute my debt. Currently, I am in the process of disputing my debt and working toward the cancellation of my timeshare with Spinnaker Resorts. Despite this, Meridian Financial has shown an apparent disregard for my rights as a consumer, focusing solely on extracting profit rather than addressing my concerns or respecting my legal dispute process. It is important to note that I have no contractual agreement with Meridian Financial or Spinnaker Timeshare. Thus, they lack jurisdiction to collect a debt currently under dispute. This action is in direct contravention of my rights as a consumer. My attorney has been contacting them for months, and their actions are unacceptable.. Despite my attorneys' attempts to communicate with them over the past few months, Meridian Financial has remained unwilling to cooperate with demand to show a legal contract with my signature or have account removed from credit bureau reporting. Their behavior throughout this process has been profoundly disconcerting, showing little regard for proper business ethics or legal procedures. Should these issues persist, I will not hesitate to escalate this matter including but not limited to filing a lawsuit.
Business Response
Date: 09/18/2023
Meridian Financial Services, Inc. (Meridian) received ******************** account from our client ********************* ****************** on 6/8/23 for delinquent maintenance fees. Meridian received a request from ******************** attorney,**********************************, Esq. for validation on 7/17/23. Meridian provided the documents provided by our client to validate the debt to his attorney on 8/15/23. The documents were mailed to *********************************************************************** To date, we have not received these documents back from the **** as undeliverable. Our office received a duplicate request for validation on 8/14/23 - however, as we had sent the documentation the day prior, this request was filed. Meridian marked ******************** credit file as disputed on 7/17/23 per the letter from ************************* The file is still reporting as "disputed" to both TransUnion and Experian. Meridian has received 4 separate disputes through TransUnion and Experian - one on 8/14, claiming that the property did not belong to him. The remaining 3 disputes have all stated the consumer, ****************, claims the account is cancelled. As previously advised it is not cancelled,therefore we advised the credit reporting agencies that the information that Meridian had provided was accurate as it was reported. I have again provided the documentation provided by our client to validate the debt. A Warranty Deed, recorded 9/6/06 in Beaufort County, ** showing that ****************************** and ************************ are the legal owners of a timeshare interest at ******** Planation in ******************, **. The second document is a Quit Claim Deed where ************************ has relinquished her ownership in the timeshare interest following a divorce. Note, deeds of conveyance in ** are not required to be signed by the Grantee. Should **************** have information to the contrary - we would ask that he provide the documentation to our office for review.
Customer Answer
Date: 09/18/2023

I am rejecting this response because:
As reported to and requested of Meridian a legal binding contract with my signature for this debt is necessary and required by law. Both Spinnaker and Meridian have failed on all requests mentioned by them from credit bureaus and my attorney to provide legal contract binding me to any debt with Spinnaker. My next step is to file lawsuit due to no binding contract (real estate) and refusal of all requests to provide such contract, or have the reports to credit bureaus removed and stop collection activities. A deed is not a contract. Without a contract, the reporting to credit bureaus is in violation of my rights under the Fair Credit Reporting Act.
Initial Complaint
Date:09/13/2023
Type:Order 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.
Law violation and billing after not owning points.I abandoned timeshare last year because it was no use to us anymore, had no value, and our children didnt want it. Filled out paperwork to turn it back to the Resort and sent it back to them. They have continued to try and collect fees after the date of abandonment. Have no contract with Meridian. They illegally called my son on this matter while they had my phone number, and address. I called them on it and said they would get back to me. No such call has happened. They have previously repeatedly called previously and were repeatedly told the timeshare points had been abandoned in the prior year in writing to the resort. Amount is purchase price of points and prior fee paid.They are trying to continue to have us pay fees assessed after abandonment of worthless points.
Business Response
Date: 09/21/2023
Please note this account is no longer active with Meridian Financial Services, Inc. DBA Meragon Financial Services in **********.
Any additional questions regarding the account should be directed to the original creditor.
Thank you.
Initial Complaint
Date:08/11/2023
Type:Order 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.
Meridian Financial is breaking the law and not allowing me to dispute my debt. Currently, I am in the process of disputing my debt and working toward the cancellation of my timeshare contract. Despite this, Meridian Financial has shown an apparent disregard for my rights as a consumer, focusing solely on extracting profit rather than addressing my concerns or respecting my legal dispute process. It is important to note that I have no contractual agreement with Meridian Financial. Thus, they lack jurisdiction to collect a debt currently under dispute. This action is in direct contravention of my rights as a consumer. Ive been contacting them for months, and their actions are despicable. Despite my numerous attempts to communicate with them over the past few months, Meridian Financial has remained unresponsive. Their behavior throughout this process has been profoundly disconcerting, showing little regard for proper business ethics or legal procedures. Should these issues persist, I will not hesitate to escalate this matter to the ********** of ********
Business Response
Date: 08/11/2023
This letter will verify that your account with [Client Name] has been closed and is no longer active in our office. Our client has asked that we cease any further activity on the account.

We have notified the credit reporting agencies to withdraw this account. Please note, this process takes 3-5 business days. If you have any further questions, please feel free to contact our office for assistance
Customer Answer
Date: 08/12/2023

Better Business Bureau:

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:07/26/2023
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 recieved notice from Meridian Financial Svcs around March 2019 about a debt from a time share company. At the time I was challenging some unauthorized activity with my account and this should have never been reported. Once the unauthorized activity issue was resolved this account was resolved but Meridian is still reporting it as a derogutory account to the credit bureaus.
Business Response
Date: 08/03/2023
Meridian Financial Services, Inc. acknowledges receipt of this complaint. We are working to research the issue, and will respond shortly. Thank you, ******************************, Compliance Manager
Customer Answer
Date: 08/04/2023

I am rejecting this response because: The vendor has only acknowledged receipt of complaint. I am willing to wait a few days for the results of their investigation and the resolution action.

Thanks.
Business Response
Date: 08/04/2023
Attached please find the documentation provided by our client as validation of the account placed with ********************** for collections.
Should you have any additional questions, please feel free to reach out to your account manager at ************.

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