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:03/21/2025

  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.

  Company is attempting to collect a debt payment for a payment that was already accepted by the original *****.

  Business Response

  Date: 03/22/2025

  On March 3,  2025, we were notified of a payment of $1097.67 made to Equiant on February 28, 2025. However, as this payment was made after the account was transferred to Meridian Financial Services, Inc. for collection on February 6, 2025, additional fees remain outstanding. Please note that the original payment was due on November 1, 2024.

• Initial Complaint

  Date:03/05/2025

  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.

  Company had my incorrect address, so I had no idea that billing was due (there was no notification). Meridian Financial Services then used this as a way to charge me $733.01 collection fee on a $1041 maintenance fee. I would like this money to be refunded to me less a $25 handling fee to Meridian Financial Services.

  Business Response

  Date: 03/11/2025

  After reviewing the details, it's important to clarify that the total outstanding balance on the account was $1,741.33, which included the $1,041.00 maintenance fee, a $265.00 late fee due to non-payment, and $435.33 in collection charges. These charges were applied in accordance with the terms of the agreement and standard collection procedures.

  It is the Mr. ******* responsibility to ensure that his contact information, including his mailing address, is accurate and up-to-date with both the management and timeshare company. Any failure to receive billing notices due to an incorrect address is the customer's responsibility to correct.  Additionally, maintenance fees are due on an annual basis, and it is expected that the customer would be aware of this due date. Even if the customer did not receive a bill, they should have proactively contacted the management company to inquire about their balance before the account was escalated to collections.

  Given the circumstances, we are unable to refund the charges as requested. The fees applied were consistent with the companys standard practices for accounts that have gone into collections.

• Initial Complaint

  Date:02/18/2025

  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 am not liable for this debt with MERIDIAN FINANCIAL SERVICES Power and I do not recall or have contract with *************** PROPERTY OWNERS

  Business Response

  Date: 02/24/2025

  The account placed with us by **************************** has been paid in full, settled in full, or paid to a current status and returned to our client.  They will notify you of any future amounts that may become due.  Note, if you have additional questions please reach out to the original creditor.

• Initial Complaint

  Date:02/16/2025

  Type:Customer Service 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 Meridian Financial Services. I do not have a contract with Meridian Financial Services and they did not provide me with the original contract as requested.

  Business Response

  Date: 02/18/2025

  Thank you for allowing us the opportunity to address the concerns raised by Mr. ******** Meridian Financial Services, Inc. ("Meridian") received Mr. ********* account from our client, Travel Resorts of ******** on October 28, 2024, due to past-due maintenance fees.

   

  Please note that all amounts pursued by Meridian are in strict accordance with the terms outlined in the documents signed by the debtor, as well as applicable state law. Meridian is a third-party collection agency based in ************** specializing in the timeshare industry. It is important to clarify that Meridian is neither the owner nor the holder of the outstanding debt.

   

  After thoroughly reviewing Mr. ********* claims, we have confirmed, based on documentation provided by our client, that Mr. ******* is the legal owner of the timeshare membership with Travel Resorts of America. Specifically, the attached Resort Membership Agreement, executed on April 14, 2023, verifies his ownership. Additionally, our client has provided the Maintenance History Report for Mr. ******** further substantiating the debt.

   

  Should Mr. ******* wish to discuss this matter further, he may contact his account manager directly at *************

   

   

   

  **** Disher ******** CCCP

  Compliance Manager

   

  Please see attached documents

  Customer Answer

  Date: 02/18/2025

   
  I am rejecting this response because:
  I notified travel resorts of ******* in writing that I wasnt satisfied with the membership. I was told once I paid in full the membership would be canceled, and there wouldnt be anything else I needed to do on my end 

  Business Response

  Date: 02/24/2025

  As previously stated, per the terms of your agreement, submitting a cancellation request after the recission period outlined in your contract does not invalidate the contract.

   

   

  please see attached document. 

• Initial Complaint

  Date:02/16/2025

  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 am not liable for this debt with ocean riviera paradise, I do not have a contract with Meridian Financial Services, They did not provide me with the original contract as requested

  Business Response

  Date: 02/24/2025

   

  Thank you for the opportunity to respond to the concerns expressed by Mr. ************* Meridian Financial Services, Inc. received Mr. ******** accounts from our client, ********************** on November 2, 2023 for a past due loan and November 3, 2023, 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 Mr. ******** claims, our client provided the attached Timeshare Services Contract executed by ***** L. ****** and ******** I ******** on August 19, 2018 verifying that they are the legal and responsible party for the Ocean Riviera Paradise account.

  Should Mr. ****** wish to discuss the accounts further, he can reach out to his account manager by calling ************.

   

   

   

  **** Disher *******, CCCP

   

   

   

   

   

   

   

   

   

   

• Initial Complaint

  Date:02/14/2025

  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.

  ************************** sold my personal information to MERIDIAN FINANCIAL SERVICES for $17,568 and now this company is trying to EXTORT ME out of money, when this Account has already been Credited with an Security Interest from the Trust Account. This company ********************** doesn't have any Contract Agreement with Me. This company can't Prove or Provide ANY DOCUMENTS showing ANY Accounting records of CERTIFIED Authentication, That Meridian Financial Services transfer REAL MONETARY VALUE into ******** ******* Bank Account. But ************************** SOLD THEM MY PERSONAL INFORMATION Without my Consent and Now they're trying to COLLECT money they can't Prove I owe them. They Refused to stop Harassing me and Damaging my Consumer report. They Failed to Provide Any Contract between US, Me and Them.The Refusal to Cease and Desist Collections. They Fraudulently Created this Account for Monetary Value.

  Business Response

  Date: 02/24/2025

  Note, the accounts with ********************** have been returned to the original creditor - any additional questions regarding the accounts should be directed to their offices.  Note we requested the tradelines be removed from your record, this typically takes 7-10 business days.

   

  **** Disher *******, CCCP

• Initial Complaint

  Date:01/16/2025

  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 am NOT liable for this debt with MERIDIAN FINANCIAL SERVICES, I do NOT have a contract with MERIDIAN FINANCIAL SERVICES, they did NOT provide me with the original contract as requested.

  Business Response

  Date: 01/24/2025

  Thank you for the opportunity to address the concerns raised by Mr. ********* Meridian Financial Services, Inc. received the accounts of Mr. ******** from our client, ********************* HOA, on January 29, 2024, related to outstanding maintenance fees.  

  
  Please note that all amounts being pursued by Meridian are fully authorized by the documents signed by the debtor at the time the debt was incurred, as well as by applicable state law. Meridian is a third-party collection agency based in **************, specializing in timeshare-related collections. We are not the owner or holder of the underlying debt.

  
  Following a thorough review of Mr. ********* claims, our client has provided the attached Timeshare Warranty Deeds, which were recorded in **************, **. These documents confirm Mr. ********* ownership of the timeshare weeks in question. Additionally, our client has furnished the account history related to the outstanding balances.

  
  In accordance with Mr. ********* request, we have ceased active collection efforts on the account. Should Mr. ******** wish to further discuss this matter, he may contact an account manager directly at *************

• Initial Complaint

  Date:01/07/2025

  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 had a timeshare at the *********** location in ************ ** and this was put on my credit as collection. Then in December Meridian Financial added this as a rental property as if I had rented an actual property to my credit report. This was sold and now I am being advised that I need to dispute with the rental property. This is a collection not a rental property.

  Business Response

  Date: 01/13/2025

  Thank you for your inquiry. We appreciate the opportunity to clarify the situation regarding your account.
  To address your concern, the timeshare at *********** in ************, **, was foreclosed upon, and as a result, you are no longer the legal owner of the property. However, please be advised that maintenance fees for the timeshare were assessed prior to the foreclosure and the trustees deed being recorded. As such, you remain responsible for the outstanding balance, which was placed with Meridian Financial Services, Inc. for collections.
  We understand your concern regarding the reference to "rental property" on your credit report. However, we do not have any record or indication of your account being classified as a rental property. It is possible that there was a misunderstanding or an error in how the information was reported by the credit bureaus. We recommend that you contact the credit reporting agencies directly to dispute any incorrect information related to your credit report.
  If you have any further questions or need additional assistance, please feel free to contact us directly.

  Customer Answer

  Date: 01/13/2025

   
  I am rejecting this response because: Hi all thank you for your due diligence. I am aware of the nature of the property being foreclosed and sold, as well as the maintenance fee which is listed at $752 when in essence it should be $562. However, my complaint derives from it being incorrectly reported as of October 2024 under rental through Experian. I reached out to ask the credit bureaus and was advised to contact you. I then called your office and was in hold for over an hour and the call was never picked up. I also reached out to the previous account manager to no avail. I would like to get this rectified as soon s possible.
  
  

  Business Response

  Date: 01/13/2025

  Thank you for your response and for bringing this matter to our attention. I want to clarify that as an entity reporting to ******** and **********, we do not report any accounts as "rental" properties. We only report accounts as either open or paid collections, in accordance with the type of business we conduct. It is not within our practice or ability to report anything other than the appropriate account status.
  As we have not encountered any reports listing your account as a rental property, we kindly request that you provide us with documentation or further details from Experian that show this incorrect classification. This will allow us to investigate the matter more thoroughly and take appropriate action if necessary.
  Please feel free to share any relevant details, though it seems unlikely we will be able to take further action without evidence to support the claim.
  

• Initial Complaint

  Date:12/31/2024

  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 am not liable for this debt with *************************************, I do not have a contract with MERIDIAN FINANCIAL SERVICES; they did not provide me with the original contract I requested

  Business Response

  Date: 01/13/2025

  Thank you for the opportunity to address the concerns raised by Mr. ******* Meridian Financial Services, Inc. (Meridian) received Mr. ******** account from our client, **************************************, on April 12, 2023, for past-due maintenance fees.
  
  As a third-party collection agency based in ************************************** specializes in the timeshare industry and is not the owner or holder of the outstanding debt. We are only authorized to pursue amounts that are supported by the documents signed by the debtor or as permitted by applicable state law.
  
  In response to Mr. ******* request, our client has provided the attached Deed of Bargain and Sale, which was recorded in the *****************, VA Clerk of ************* on March 7, 2012. This document indicates that ***** and ******** ******, as husband and wife, are the legal owners of the timeshare at ******************** Additionally, we have included Mr. ******* payment history for reference. Please note that $655 of his current balance pertains to 2025 dues, which have not yet been assigned to Meridian.
  
  We would also like to clarify that, to date, Meridian has not received a written request from Mr. ****** for validation of the account or any documentation related to his ownership.
  
  If Mr. ****** would like to discuss this matter further, he may contact his account manager at *************
  
  We appreciate your attention to this matter and look forward to resolving it promptly.

• Initial Complaint

  Date:12/29/2024

  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 am not responsible for this debt with Meridian Financial Services. I do not have a contractual agreement with Meridian Financial Services, and they have not provided me with the original contract as requested.

  Business Response

  Date: 12/30/2024

  Thank you for your inquiry regarding the account placed with our agency. We value the opportunity to address your concerns regarding the debt and its reporting.

  Meridian Financial Services, Inc. is a third-party collection agency tasked with managing accounts on behalf of creditors. While we do not have a direct contractual agreement with you, the account in question was placed with our agency on October 14, 2024, by the creditor.

  In response to your dispute, we are providing the following documentation to substantiate the debt and clarify ownership of the associated property:
  * Loan History for the account, detailing the outstanding balance.
  * Recorded Deed from ***************, **, recorded on February 6, 2018, confirming ****** ********, *** and *** ***** as the legal owners of the property.
  * Mortgage Documentation, recorded on the same date, further affirming the debts validity.

  These records support the legitimacy of the debt and its placement with our agency. Additionally, we have verified that the account is being accurately reported to the credit bureaus based on the information provided by the original creditor.

  If you believe there are inaccuracies or wish to provide further information for review, please contact our ********************* at by mail at:
  Meridian Financial Services
  Attn: Compliance
  PO Box 5919
  *******************-5919

  We remain committed to resolving your concerns and ensuring compliance with all applicable regulations. Thank you for your attention to this matter.