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:05/15/2024

  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.

  I DID NOT AUTHORIZE THESE ACCOUNTS TO BE OPENED IN MY NAME. I DEMAND THEY ARE REMOVED, THERE IS NO CONTRACT OR AGREEMENT BINDED TO ME WITH A SIGNATURE. I DEMAND EXPERIAN, *******, AND TRANSUNION DELETED ALL ACCOUNTS.First Name:Last Name:Address: Phone: Email: *********************************************************************************************************** ************ Accounts Affected by the Crime Credit Card Opened by the ************* or Organization:Account Number:5/2024 JPMCB CARD ***************/2018 FTC Report Number: ********* Date fraud began: Date that I discovered it:Total fraudulent amount: $ 2354 ******************************************************* Page 1 of 3 ************************** 5/15/24, 9:04 PM Company or Organization:Account Number:5/2024 ********* CONSUMER *** ***************** X** 8/2023 Date fraud began: Date that I discovered it:Total fraudulent amount: $ ***** Other ********************** or MERIDIAN FINANCIAL Organization: SVC: TIMESHARE LIQUIDATORS LLC Account Number:5/************ Date fraud began: Date that I discovered it:Fraudulent Information on Credit Reports Total fraudulent amount: $ 9747 Other ********************** or MERIDIAN FINANCIAL Organization: SVC: TLC RESORTS VACATION CLUB Account Number:5/************ Date fraud began: Date that I discovered it:Total fraudulent amount: $ 661 Accounts or Charges Personal Information Yes, fraudulent accounts or charges appear on my credit report Addresses: *************************************************************************************

  Business Response

  Date: 05/16/2024

  Thank you for the opportunity to respond to the concerns expressed by Ms. ************** Meridian Financial Services originally received her accounts from our client, Timeshare Liquidators and TLC Resorts Vacations., on December 23, 2020 for a past due loan and past due Maintenance Fees.
  
  This will verify that Ms. *************** accounts have been returned and are no longer active in our office.  We have ceased all collection activity on the account. Any questions regarding this account should be directed back to the original creditor.  

• Initial Complaint

  Date:05/14/2024

  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 12 PROMOTORA TURISTICA PUNTA BE. 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: 05/16/2024

  Thank you for the opportunity to respond to the concerns expressed by ********************.  ******************** received ******************* account from our client, Promotora Turistica ********** ***** Velas) on December 26, 2023, for past due maintenance fees and a past due loan.
  
  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 Contract along with all other related documents that were executed **************************** and **************************** on December 23, 2021, related to his purchase of the timeshare membership through Promotora Turistica ********** Club Velas.   
  
  Should ******************** wish to discuss the account further he can reach out to his account manager by calling ************.
  
  
  Sincerely,
  
  
  
  ******************************
  Compliance Manager
  
  
  CC:        *****************************, ********** ********************
  
  
  NC ***** of **** ******* Number #*********

  Customer Answer

  Date: 05/16/2024

   
  I am rejecting this response because:
  as stated in the complaint, there is no contract with Meridian financial services -the contract they are referring to is only actionable only in ****** and the courts of ***************-no judgement has been sought In the court of jurisdiction as this contract was canceled in November 2022, and none the less, its not collectible in the *** and thus a violation of the fair credit reporting act and in violation of the fair debt collection practices act.

  Business Response

  Date: 05/28/2024

  This will verify that the referenced account with Promotora Turistica ********** ***** Velas) has been closed and is no longer active in our office.  Any future communication regarding this account should be directed to the original creditor.

• Initial Complaint

  Date:05/02/2024

  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.

  05/02/2024 - I received a voice mail stating the following: Hi good morning, this message is intended for *****************************. This is ************************* contacting from Meridian Financial. Please be advised that this office has been retained by our client and this is an urgent business matter that requires your attention. You may reach me directly at ************. Thank you.I have no idea who this business is and have not defaulted on any payments of any kind.

  Business Response

  Date: 05/03/2024

  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 an employee by the name of *******, 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: 05/03/2024

   
  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:04/23/2024

  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.

  ***************** using phishing type techniques to extract information without identifying themselves or their business. This is a scam business.Their corporate office at ************ wouldn't provide information but just referred back to their agents or leave a message. No actual human interaction.

  Business Response

  Date: 04/25/2024

  This will verify that Mr. ********* account with **** *************************** has been closed and is no longer active in our office.  We have ceased any further activity on the account.  Should ******************** wish to discuss the account further he can reach out to the original creditor for assistance.

  Customer Answer

  Date: 04/25/2024

   
  I am rejecting this response because:
  Their initial outreach was duplicitous.  They failed to state their business and their purpose and when I further questioned them, they became abusive.

  I called back to the number that appeared on my phone and the person who answered refused to identify their business purpose

  These practices are in violation of the Fair Credit Reporting Act and the Fair Credit Billing Act.  At a minimum, I would expect them to commit to operating in compliance with these Acts, not just say we won't call again.

  If BBB can put some kind of negative notice, it will inform and support other consumers of these non-compliant practices

• Initial Complaint

  Date:04/15/2024

  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.

  Please conduct a thorough investigation into these matters and take appropriate action against Meridian Financial Services **** for their violations of my consumer protection laws. I have not received ANY mail information from Meridian Financial Services **** and I check my mail EVERY DAY. Meridian Financial Services *** placed 2 negative collections on my consumer report without giving me any disclosure for me to dispute/ solve this prior to this going on my consumer reports. There are many lawsuits, and complaints where this collection company violates the law and eagerly place negative accounts without reaching out and sending proper notice. Again I never received one notice about this debt. I never received one letter and they have no certified mail proof receipt that they sent me anything!This company just makes up dates of letters they sent to cover up the fact that they Violated the law by not providing me disclosure, or a chance to fix this account prior to it going on my consumer reports and ruining my reputation. I would have solved the issue before this negative item damaged my reputation. I did not receive proper notification before these collections where placed on my consumer reports. If Meridian Financial Services in fact believes they gave me proper notification, please send me the certified mail receipt with my name on it. Please note that If I was not given the option to dispute this debt prior to this debt being placed on my consumer reports then that is a violation of my rights under FDCPA.

  Business Response

  Date: 04/15/2024

  Thank you for the opportunity to respond to the concerns expressed by **********************. Meridian Financial Services, Inc. received Mr. ********** 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 Mr. ********** claims, it was determined that the required validation notice was mailed via **** to the address provided by our client (****************************************************************) on September 23, 2022, for both accounts. To date, we have not received either of these notices back from the **** as undeliverable. Moreover, seven (7) additional letters have been mailed to the same address for each account attempting to advise ********************** of the outstanding balances. None of those correspondences have been returned as undeliverable either. Please note, under the ***** 1692 requirement that a collection agency provide a written validation notice to a consumer there is not a requirement that the notice be mailed certified mail, therefore we are unable to provide a certified mail receipt. Per request we are no longer actively pursuing collections on either account, however, should ********************** wish to discuss the account further he can reach out to an account manager by calling ************.

• Initial Complaint

  Date:03/26/2024

  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 do not have a contract with Meridian financial services, they did not provide me with the original contract as requested

  Business Response

  Date: 04/04/2024

  Thank you for the opportunity to respond to the concerns expressed by ************.  Meridian Financial Services, Inc. received **************** account from our client, ********************* on June 20, 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 **************** claims, our client provided the attached Special Warrant Deed was executed on April 8, 2015 conveying the timeshare interest at ********************* to ********************************** and ******************************, and recorded in the Coconino County recorders office on April 9, 2015.  Our client also provided the Maintenance History Report for the account.
  
  Should ************ wish to discuss the account further she can reach out to her account manager by calling ************.

• 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.

  I received a notice that I have a collection from MERIDIAN FINANCIAL SVC on my credit report. It says it was opened on 12/29/2023 for $5,283.00 with account number starting in ******* that I am not aware of nor am I responsible for. I never went into business with this company or signed any agreements with them so they should not be reporting anything on my credit. This is a violation of my rights as a consumer according to the **** and FDCPA.I would like for this collection to be removed asap or I will file a CFPB and FTC report.

  Business Response

  Date: 03/19/2024

  Thank you for the opportunity to respond to the concerns expressed by ****************.  Meridian Financial Services, Inc. received ******************* account from our client, *******************, LLC on December 29, 2023, for a past due loan.
  
  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 along with all other related documents that were executed by ******************** and ******************* October 11, 2022 related to her purchase of the timeshare membership through the *********.   Our client also provided the account history for the account.
  
  Should **************** wish to discuss the account further she can reach out to her account manager by calling ************.

• 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.