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:04/29/2025

  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.

  RE: ******X meridian financial LOCATED AT **************************************************. ATTEMPTS TO COLLECT A DEBT NOT OWED. have not supplied proof under the doctrine of estoppel by silence, ********** v ******* (Mo) 281 SW 715 719. I may presume that no proof of the alleged debt, nor therefore any such debt in fact exists.**1. Request for Original Instrument of Indebtedness:** Under Section 609(a)(1)(A) and Section 611(a)(1)(A) of the Fair Credit Reporting Act (FCRA), I am requesting that you provide the original instrument of indebtedness with my autograph on it. Please note that I am requesting the original document, not a photocopy. This is to ensure the authenticity of the document and its terms. **2. Complete Audit Trail and Tax Registration Certificate:** In accordance with Generally Accepted Accounting Principles (GAAP), International Financial Reporting Standards (IFRS), the Basel III Accord, and **************************************************** (UNCITRAL) conventions, I request a complete audit trail of the accounts related to this debt. Additionally, please provide a copy of the Tax Registration Certificate for the involved entities. **3. True Certified Copy of the Original Note:** Please provide a true certified copy (NOT a photocopy) of the original note or promissory note (credit agreement) that binds both parties. This request is made to ensure that the document is an official and verified copy of the agreement. Please send this document via certified mail to ensure there is an independent witness to the delivery. **4. Validation of Debt:** In accordance with the Fair Debt Collection Practices Act (*****), 15 U.S.C. 1692g Sec. 809(b), I am disputing the validity of the claim and formally requesting validation of the debt. Please provide detailed validation as required under the ***** to substantiate the claim that you are asserting.

  Business Response

  Date: 05/07/2025

  Enclosed 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:04/24/2025

  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 am disputing and $802 penalty Meridian is charging when I received no notice of the debt.I did not receive a bill for my Hyatt VOA fees this year. I pay every 2 years and have always received a bill in the past. The website has my correct address, email and phone number. I was receiving marketing mail so had no reason to suspect there was an issue.On 4/23/25 I saw on *****'s site that my payment was overdue. I tried to pay it immediately, but was told I needed to pay Meridian. Total amount per Hyatt is $2,441.94 including late fee and interest.I called Meridian and ******* told me I owed ~$3,200. They added an $802 penalty, At this time the payment was less than 4 months overdue, and I still had not received a notice from Hyatt or Meridian. She said they had been mailing notices and calling. I verified with her she had an invalid address and phone numbers, other than one. She emphasized they had been calling and mailing letters, and did not care that I had not received any of them. She would not remove the penalty and would be reporting it to the credit bureaus.I told her I had never received any notice of this bill and would not pay the $802 penalty, but would immediately pay the $2,441.94 which included interest and a late charge. It did not matter I had never been notified.I looked through my voicemails to find the calls she said they made to me:3/26, 4/2, 4/9 and 4/17/2025 I received a voicemail saying "This is ****** from Meridian financial services. Please call me at **************".4/16/2025 I received a voicemail with 2 minutes of music and no words 4/22/2025 I received a voicemail saying "This is ******* from Meridian financial services. Please call me at **************".Never once did they mention what they were calling about. I assumed it was spam and did not return those calls, as I had no business dealings with Meridian Financial Services.

  Business Response

  Date: 04/28/2025

  Thank you for the opportunity to respond to Ms. ********* concerns regarding her account with **********************.

  We understand that receiving a collection notice can be upsetting, particularly when there is confusion about the origin of the debt. However, after reviewing the account, we confirm that Meridian acted in accordance with all applicable regulations in our efforts to contact the consumer.

  Meridian made multiple phone attempts and left voicemails that complied with Regulation F of the ***** debt collection rule. These voicemails, known as limited-content messages, are restricted by law to include only the name of the business, a request to return the call, and a callback number. We are not permitted to mention the nature of the call or account details in voicemail messages.

  In addition to phone outreach, multiple written notices were mailed to the address on file: *********************************************************************************. None were returned as undeliverable, indicating successful delivery. It is the consumers responsibility to ensure their address is correct with the original creditorin this case, ****************************

  The $802 penalty was assessed by the creditor and included in the balance forwarded to Meridian due to several months of non-payment. While the consumer may have received other marketing materials, this does not confirm the receipt of billing notices or validate that contact details were accurate at the time.

  Because Meridian followed all legal and contractual guidelines, we respectfully decline to remove the penalty. However, the consumer is welcome to contact us to discuss payment arrangements.

  We remain committed to respectful, fair treatment of all consumers and appreciate the chance to respond.

  Customer Answer

  Date: 04/28/2025

   
  I am rejecting this response because:
  
  Hyatt has my correct information.  The address Meridian has been mailing my personal financial information to is not my address, and was never given to Hyatt. I have never lived at that address. My ex husband lived at that address for 1 year, in 2018. He never provided that address to Hyatt either. 
  

  I dont know anyone who would call back a financial company they have never heard of and have no account with with all the scams going on today, when they do not mention it is in regards to a legit account they do have.
  

  The balance due per Hyatt is $2441.  They cannot accept my payment because Meridian will not release the account.

  
  

  Business Response

  Date: 04/28/2025

  Please note that, as Mr. ******** remains a liable party on the account, his address was appropriately provided to our office. According to our records dated 4/23/25, your account manager attempted to update your address, but you declined to provide the updated information at that time.
  

  Regarding the content of our voicemail messages, Meridian complies with the requirements of Regulation F as issued by the Consumer Financial ***************** (CFPB). These regulations limit the information we are permitted to include in voicemail messages to protect consumer privacy.

  If you have concerns about the scope of these regulations, we encourage you to direct them to the **** or your elected representatives, as Meridian is required to follow federal guidelines as written.

  Customer Answer

  Date: 04/28/2025

   
  I am rejecting this response because:  As I said, the address you have has never been given to Hyatt.  No one related to the account has lived there in 6 years.  Mail was not forwarded to any current address.  I did not provide you an updated address on 4/23 as it was not necessary.  You have my telephone number, and my response that I will pay the amount due of $2,441.  Mailing me notices telling me you will only accept $3,200 will not change that.

  
  

  Business Response

  Date: 04/29/2025

  While we understand your concerns regarding the address, please note that annual dues are assessed each year and remain the responsibility of the owner, regardless of whether a billing statement is received. It is the owners obligation to ensure timely payment.
  
  As the account was not brought current by the due date, additional fees have been applied in accordance with the terms of the agreement. These fees are valid and will not be waived.
  
  We respectfully maintain that the full balance of $3,200 remains due, and no further adjustments will be made.
  

• Initial Complaint

  Date:04/24/2025

  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.

  In in February 2025, I was contacted by a man named ****** *******, who works for Meridian Financial Services about a timeshare maintenance fee for The Flagship resort in **************He informed me that Meridian is a collection agency, and I owed the Flagship a balance of $1266.35. When he called I was in the middle of scheduling two surgical procedures on my spine. I am disabled and suffer from severe arthritis.I explained to Mr. ******* that I was not well and asked if this had been reported to the Credit Bureaus, HE SAID, "NO." At this point I asked if I could set up a plan for four payments. He said I could. I told him that I needed to call him back to do so.I called him back twice in March, but he was out of the office. When I finally got him on the phone, he was nasty and obnoxious. But what really upset me was the fact that he initially LIED. The maintenance fee had been reported to the Credit ********** addition, he thought the fact that he was on vacation when I called to set up the plan was sufficient enough to put the blame on me for this bogus debt being sent to collections. But what he was really doing was trying to cover up his LIE!This is situation has caused my credit score to dip 51 points, and I have not been able to use my timeshare since 2017. I paid my maintenance fee for 2019, but no one ever returned my calls.The stress the Flagship and Meridian has caused me has my blood pressure in a dangerous range. I PAY MY BILLS, but the Flagship is taking advantage of a disabled senior citizen. These people behave like grifters! They are WRONG, and I just don't have the strength to deal with this hurtful nonsense. They have cost me thousands and subjected me to verbal abuse. Some body has to do right by me! My life resembles a character in a ******* ******* novel. This dangerous nonsense has to STOP!

  Business Response

  Date: 05/06/2025

  We received the consumers account from our client, **************************************** on February 6, 2025, for collection of a past-due balance for unpaid timeshare maintenance fees. A model validation notice was mailed on February 10, 2025. No dispute was received within the 30-day validation period. On March 12, 2025, we sent a notice stating the account could be reported to credit agencies after 45 days from placement. A follow-up letter was sent on April 11, 2025, confirming the balance was still owed and offering payment options. None of the letters were returned by ***** The consumer spoke with our account manager, ****** ******* on February 27, 2025. He advised that if a payment plan was set up, credit reporting could be delayed. Plans must include prescheduled ACH or credit card payments. ****** offered a three-payment option; the consumer requested four and said she would call back. She left two voicemails for ****** on March 17, 2025, during his absence. Other agents offered assistance, but she declined and requested to wait for ******. On March 28, 2025, she spoke with him and expressed concern over credit reporting. He reviewed the timeline and explained that no payment plan had been set up prior to the reporting window. On April 14, 2025, she called again and asked when the account was placed, stating she was told it was not in collections. The call ended abruptly. Regarding Mr. ******* he is direct and professional in his communication and conveyed all relevant information according to company policy. Our internal review did not identify any deviation from expected conduct. The balance is for unpaid annual maintenance fees. The last payment on file was for the 2019 billing cycle. Fees continue to accrue annually, regardless of usage. Ownership and billing records confirm the validity of the balance. Given her attempt to follow up during the representatives absence, we are willing to request credit deletion in good faith if a formal payment arrangement is completed.

   

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

  Compliance Officer

• Initial Complaint

  Date:04/13/2025

  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.

  Unsure of what this is put on my credit report from them. When I contacted them regarding what it was for-they failed to reply-that was over a month ago. %******* is on my credit ********** don't know why.

  Business Response

  Date: 04/14/2025

  Our office received a request for validation on March 26, 2025, we responded providing the attached documentation to Ms. ***** via **** mail on March 27, 2025.  To date we have not received the mail returned as undeliverable.  

  Should Ms. ***** have any additional questions she may contact our ********************** at **************.

• Initial Complaint

  Date:04/09/2025

  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.

  This company, Meridian Financial Services, showed up on my credit report 3 years ago after purchasing my home. I have sent certified letters to them referencing a balance due to them that started at over $7,000 and now is down to $2700. I haven't payed anything on this account because it's not mine. I have been disputing it for 3 years now. I spoke with a young lady on the phone about two years ago that told me it would be removed but yet it's still there. I have a letter from them, Meridian Financial Services, stating that I don't have an account with them. I asked for the original contract with my signature for verification because I don't have any time shares!! Nothing. Haven't received any mail or phone calls from them. I'm having problems getting this removed from my credit. There's no account number. I had to ****** the business name to get an address.

  Business Response

  Date: 04/10/2025

  Please provide additional information to locate this account - account number that appears on any credit reporting agency tradeline would be ideal.  Given what was provided I have been unable to locate an account in our system.

  Customer Answer

  Date: 04/12/2025

   
  I am rejecting this response because: I am sending a copy of the letter I received from Meridian Financial Services in 2022. *********** does not give  a full account number, only a partial beginning with *****. Is this a new account created by **********************? I have never had any account with this company. Meridian Financial Services at ********************************************************, is the only company showing on my credit report for that debt I do not owe. This has put the only negative remark on my report and has brought my score down.  It stated the account was opened in 2021. I know that to be untrue because I  purchased my 1st home in March of  2020 before Covid-19 closed everything. My family was hit hard during the pandemic. There's absolutely no way this debt is mine.
  
  

  Business Response

  Date: 04/21/2025

  Note, using the information provided we have determined that the account Ms. ***** is referring to has not been active in our office since 2021. Please provide evidence of a communication that is current in order for this to be researched further.

• Initial Complaint

  Date:03/29/2025

  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.

  To Whom It May Concern,I am filing a formal complaint against meridian financial for multiple violations of federal law and request the immediate removal of their collection account from my credit report. Meridian Financial has engaged in deceptive, misleading, and unlawful collection practices that violate my rights under the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA).Violations Committed by the Collection Agency:1.Failure to Provide Required Disclosures (12 CFR 1006.34(b)(5) & 12 CFR 1006.34(c)(4)(i)) ********** did not provide the legally required validation notice in their initial communication, denying me the right to dispute the debt.2.Use of False, Misleading, or Deceptive Means (12 CFR 1006.34(d)) ******************** included deceptive and misleading tactics, violating my consumer rights.3.Unauthorized Reporting to Credit Bureaus (15 *** 1681s-2(a)(7)(A)) They lack the legal authority to furnish my account to credit bureaus without first complying with disclosure and validation requirements.Due to these violations, I request that the BBB take action to investigate this account. Class action Lawsuit. Please confirm receipt of this complaint and advise on the next steps.

  Business Response

  Date: 04/08/2025

  Please note 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.

  Currently Ms. ******* account is reporting as paid, as it was paid in full as of March 27, 2025.  I have attached the deed recorded in ***************, ** that confirms the ownership of the timeshare account that was placed with Meridian for collections.  The maintenance fees for the account were due as of November 1, 2024 and placed with Meridian for collections on February 7, 2025.  Both the required validation letter and a courtesy notice confirming that the account would be recorded to the credit bureaus were sent to the ************************************** address - neither have been returned from the **** as undeliverable.  

• 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.