ComplaintsforMeridian Financial Services, Inc.
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Complaint Details
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Initial Complaint
07/31/2024
- Complaint Type:
- Order Issues
- Status:
- Answered
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
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
06/13/2024
- Complaint Type:
- Customer Service Issues
- Status:
- Answered
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 requestedBusiness response
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
06/07/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
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
06/26/2024
Please see attached document.Initial Complaint
06/05/2024
- Complaint Type:
- Customer Service Issues
- Status:
- Resolved
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
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 response
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
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 response
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
06/05/2024
- Complaint Type:
- Customer Service Issues
- Status:
- Answered
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
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 ManagerCustomer response
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.
Initial Complaint
05/15/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
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
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
05/14/2024
- Complaint Type:
- Order Issues
- Status:
- Answered
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
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 response
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
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
05/02/2024
- Complaint Type:
- Product Issues
- Status:
- Resolved
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
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 response
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
04/23/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
***************** 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
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 response
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
04/15/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
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
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 ************.
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Customer Complaints Summary
45 total complaints in the last 3 years.
21 complaints closed in the last 12 months.