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: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 ************.

   

• Initial Complaint

  Date:07/18/2023

  Type:Billing 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.

  On 21 Apr 23, I received correspondence from Capital *************************** for ***************** in ******** regarding 2023 Maintenance Fee being late, with invoice amount $276.00, and late fees $25.00 total amount owe $301.00. I contacted ***************** and spoke with, **** representative of the Resort for assistance and help, He stated, in February 2023 a partial payment was received (the total amount owed was $552.00 was due in January 2023). I contact the Resort requesting a payment arrangement, paying $276.00 in Jan 23 remaining balance of $276.00 in Feb 23. Which I explained my payment is an automatic draft from my ******* ************* send to the address PO Box *********************************************. Resort representative informed me that the mailing address has changed since February, the new address was ***************** ***************************************************************************. The only explanation the electronic payment was returned to the credit union, my payment has been sent electronically to the for years without any problems until now. I made arrangement to pay $301.00. On 3 July 2023, received correspondence from Meridian Financial Services, *** ******************************************************************************, I spoke with **** a representative on 11 Jul 23, to assist me to resolved this matter, he stated they are a debt collector the amount I total owe $401.33, (owe ********** $301.00, Meridian charge fee $100.33) I explained that total amount was paid in full to **********, spoke with the Resort representative ****, my account is cleared and any other issues need to be settled with Meridian. Contacting Meridian on 13 Jul 23, speaking with **** attempting resolve and dispute this debt by requesting pay $25.00 instead of $100.33, he stated to call **********, I informed him that they said all matters should be settle with Meridian. I made all reasonable attempts to resolve this issue with Meridian, I contact asked ********** the creditor as well, Meridian dispute date 12 Aug 23 .

  Business Response

  Date: 07/20/2023

  This will verify that the account with Four Sails *********************** has been closed and is no longer active in our office.  Our client has asked that we cease any further activity on the account.
  
  
  

  Customer Answer

  Date: 07/20/2023

   
  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:06/14/2023

  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 hereby assert that I bear no liability for the debt in question associated with 12 CLUB REAL RESORT SA DE CV. I do not possess a contractual agreement with MERIDIAN FINANCIAL SERVICES, Inc. Furthermore, they have failed to fulfill my request for the provision of the original contract in question.

  Business Response

  Date: 06/15/2023

  Thank you for the opportunity to respond to the concerns expressed by *******************  ******************** received ***************** account from our client, Club Real Resort on December 2, 2020, 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 documentation that was executed by **************************** and Kashieka ***************************** on October 20, 2019, related to their purchase of the timeshare membership through Club Real.   Our client also provided the Loan History Report for the account.
  
  Should ****************** wish to discuss the account further she can reach out to his account manager by calling ************.
  
  
  Sincerely,
  
  
  ******************************
  Compliance Manager
  
  
  CC:        *****************************, ********** ******************** doing business as Meragon Financial Services in the *******************.
  
  
  ** ***** of **** ******* Number # *********

• Initial Complaint

  Date:06/14/2023

  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.

  Meridian Financial Services is reporting a collection that is NOT mine of my credit report. I know its a money game for them to reporting items but I have sent information to the Meridian as proof that I do not owe them or whoever they are working with. This is horrible experience and this company needs to be reported. The account number that I see on *********** is *******. Date of Birth is 08/09/1969 This is not on the other credit bureaus because its not my account. I need ********************** to do what is right and remove this error.

  Business Response

  Date: 06/22/2023

  Thank you for the opportunity to respond to the concerns expressed by *******************  ******************** received ******************** account from our client, ****************** ****************** (Silver Lake) on August 19, 2021, 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 Warrant Deed that were executed December 31, 2018, and recorded January 22, 2019 in the Osceola County Clerk of ************* indicating that *************************** is the owner of the timeshare interests with Silver Lake.   Our client also provided the Transaction History for ******************** which shows they had previously made payments on the account.
  
  Please note the dispute letter that ****************** provided was sent to the ************************** not Meridian - therefore a response was not generated by our office.
  
  Should ****************** wish to discuss the account further he can reach out to his account manager by calling ************.
  
  
  Sincerely,
  
  
  
  ******************************
  Compliance Manager
  
  
  CC: *****************************, ********** ******************** doing business as Meragon Financial Services in the state of ************************* ***** of **** ******* Number # *********