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Business Profile

Collections Agencies

Meridian Financial Services, Inc.
BBB accredited business seal
BBB Accredited BusinessB+Rated by BBB

Complaints

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

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    Customer Complaints Summary

    • 67 total complaints in the last 3 years.
    • 36 complaints closed in the last 12 months.

    If you've experienced an issue

    Submit a Complaint

    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.

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    Complaint status

    Complaint type

    • Initial Complaint

      Date:08/30/2024

      Type:Order Issues
      Status:
      Answered
      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 SERVI i do not have a contract with them they did not provide me with the original contract as i requested

      Business Response

      Date: 08/30/2024

      Please note ************************ account with ********************** is no longer active.  Any additional questions regarding the account should be directed to the original creditor.

    • Initial Complaint

      Date:08/09/2024

      Type:Customer Service Issues
      Status:
      Answered
      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 to this debt with Bluetree Resorts. I do not have a contract with Meridian Financial Services. They did not provide me with the original contract as requested.

      Business Response

      Date: 08/16/2024

      Thank you for the opportunity to respond to the concerns expressed by **********************.  Meridian Financial Services, Inc. received ************************* account from our client, **************** on June 5, 2024 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.  Meridian is also not the owner, or holder of the debt that was placed by Bluetree for collections.

      I have attached a copy of the Warranty Deed recorded in the Orange County Clerk of ************* on December 30, 2005 indicating that ********************************** and **************************************, are the legal owners of the timeshare interest at ****************. Our client provided a copy of ************************** account history.

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

    • Initial Complaint

      Date:08/08/2024

      Type:Order Issues
      Status:
      Answered
      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 SVC, I do not have a contract with TLC RESORTS VACATION CLUB L, they did not provide me with the original contract as i requested.

      Business Response

      Date: 08/16/2024

      Thank you for the opportunity to respond to the concerns expressed by ********************.  Meridian Financial Services, Inc. received ************************ account from our client,TLC ********************** LLC (TLC) on October 20, 2020, for past due mainteance 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 ************************ claims, our client provided the attached Membership Enrollment Agreement and all other related documents that were executed by ***************************** and ******* ***************************** on September 19, 2016, related to their purchase of the membership through TLC.   Our client also provided the History Report for ********************.

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

    • Initial Complaint

      Date:08/01/2024

      Type:Billing Issues
      Status:
      Answered
      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.
      Colonial Acres a time share in ************* send my and my now ex-wife account to ******** for collections. My ex wife paid in full the balance that was owed. Now 4 months later they are still calling and sending me letters that I owe them money still. It has also not been removed from my credit report or marked as resolved.

      Business Response

      Date: 08/09/2024

      Attached you will find the supporting documentation that has been provided by our client to validate the account placed by them for collection.   Note, the provided invoice does not show a payment since prior to 2021.  If you have evidence to the contrary please provide it to our office.

      Should you have any additional questions you may contact our ********************** at **************.

    • Initial Complaint

      Date:07/31/2024

      Type:Order Issues
      Status:
      Answered
      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 COCONUT *************************** RES. I do not have a contract with MERIDIAN FINANCIAL SVC, they did not provide me with the original contract as I requested.

      Business Response

      Date: 08/01/2024

      Thank you for the opportunity to respond to the concerns expressed by **************.  Meridian Financial Services, Inc. received ************* account from our client, ************************************************* & Resort on April 18, 2024 for past 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 ************** claims, our client provided the attached Warranty Deed that was recorded June 19, 2003 in ************* that verifies that ************************* and ************************************** are the legal owners of the timeshare at ************************************************* & Resort.  Our client also provided the History Report for the *****.

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

    • Initial Complaint

      Date:07/24/2024

      Type:Order Issues
      Status:
      Answered
      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 do not have a signed contract with either EAGLE TRACE OWNERS ********** or Meridian Financial Service. I requested the original contract stipulating that I am liable for this payment. We urgently request that any contract and relationship with Massanutten Resort's Timeshare Ownership of Eagle Trace 1458 be terminated and the entire maintenance fee paid up to date with a fair market value interest rate be refunded to us for violating their own Section 9 Maintenance Program.

      Business Response

      Date: 08/09/2024

      Attached please 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 ********************** at **************.

    • Initial Complaint

      Date:06/13/2024

      Type:Customer Service Issues
      Status:
      Answered
      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 SERVI. I do not have a contract with this collection agency MERIDIAN FINANCIAL SERVI, they did not provide me with the original contract as I requested

      Business Response

      Date: 06/21/2024

      Attached 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 ********************** at **************.

    • Initial Complaint

      Date:06/07/2024

      Type:Billing Issues
      Status:
      Answered
      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.
      Timeshare is Ex Husband's upon the divorce and should not be the responsibility of Ex Wife, request this be removed from my credit report.

      Business Response

      Date: 06/26/2024

      Please see attached document. 

    • Initial Complaint

      Date:06/05/2024

      Type:Customer Service Issues
      Status:
      Resolved
      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.
      A phone number ************ calls stating they are Meridian Financial trying to "help me out" to settle a claim from their "client" before I have to go to court. They will not disclose the claim or client. I have asked them numerous times to remove my information that they have, phone numbers, and cease and desist contact. There is no such claim against me and the calls to myself and other numbers they have "googled" that I use for business are disruptive of my time. They claim to be a ***** and a *********************. They talk back and forth amongst themselves wile on the phone with you trying to convince you of your "debt of a contract owed". My lawyer advised I do not entertain them but I felt I had to report here to help ease others of their scare tactics.

      Business Response

      Date: 06/06/2024

      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 employees by the name of ***** or *********************, nor do we utilize the telephone number ************.

      Please note, there are numerous collection agencies in the ************* 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: 06/06/2024

       
      I am rejecting this response because: I am replying with the file number as you asked. ******** and an additional callback nymber of ********************** that "*****" left on my voicemail from Meridian Financial.

      Business Response

      Date: 06/06/2024

      The number provided is not registered to Meridian Financial Services, Inc. 

      However, it is associated with Meridian Financial Solutions out of ********

      Again, we also do not have any employees by the name of *****, nor have we ever in the 30+ years we have been in business.

      Customer Answer

      Date: 06/06/2024

       
      Better Business Bureau:

      I have reviewed the response made by the business in reference to my complaint, I do believe scammers are using their business information to ******* contacts.

      Thank you. 

    • Initial Complaint

      Date:06/05/2024

      Type:Customer Service Issues
      Status:
      Answered
      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 this collection agency. They did not provide me with the original contract.

      Business Response

      Date: 06/05/2024

      Thank you for the opportunity to respond to the concerns expressed by ****************.  Meridian Financial Services, Inc. received ***************** accounts from our client, ********************** (Travel Resorts of America) on September 29, 2022, for a past due loan and 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 ****************** claims,our client provided the attached Membership Purchase Agreement and Promissory Note executed November 16, 2018, showing that *************************** and **************** are the responsible parties for the membership through Travel Resorts of America.  Our client has also provided Loan History and Maintenance Fee History for both accounts.

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


      Sincerely,



      ******************************
      Compliance Manager

      Customer Answer

      Date: 06/10/2024

       
      I am rejecting this response because:

      I did not Give Travel Resorts of America permission to sell this Debt to Meridian or any other Collection Agency.  Travel Resorts of America did not deliver as Promised and turned out be a scam.

       

    Meridian Financial Services, Inc. is BBB Accredited.

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