11387690
|
2025-01-05
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
Issue |
Took or threatened to take negative or legal action
|
Timely |
Yes
|
Company |
Meridian Financial Services, Inc.
|
Product |
Debt collection
|
Sub Issue |
Threatened or suggested your credit would be damaged
|
Sub Product |
Credit card debt
|
Date Received |
2025-01-05
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2025-01-05
|
Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
Complaint What Happened |
when i spoke to them ( Meridian Financial Service , INC ) in XXXX i told them the credit report can't be right. i was told that this was a legal matter and that is way over due and if i didn't make a payment i would be sued. They asked me for half of the {$19000.00} down so i could then be put on a payment plan. I asked for proof of contract i got nothing. I know my rights and i need help.
|
Consumer Consent Provided |
Consent provided
|
|
5638596
|
2022-06-06
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
Issue |
Incorrect information on your report
|
Timely |
Yes
|
Company |
Meridian Financial Services, Inc.
|
Product |
Credit reporting, credit repair services, or other personal consumer reports
|
Sub Issue |
Information belongs to someone else
|
Sub Product |
Credit reporting
|
Date Received |
2022-06-06
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2022-06-06
|
Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
Consumer Consent Provided |
Consent not provided
|
|
4808457
|
2021-10-14
|
Attempts to collect debt not owed
|
Debt collection
|
|
Tags |
Older American, Servicemember
|
Issue |
Attempts to collect debt not owed
|
Timely |
Yes
|
Company |
Meridian Financial Services, Inc.
|
Product |
Debt collection
|
Sub Issue |
Debt was paid
|
Sub Product |
Other debt
|
Date Received |
2021-10-14
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2021-10-14
|
Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
Complaint What Happened |
I have two weeks Deeded Timeshare that are PAID IN FULL with XXXX XXXX XXXX in XXXX Florida. I was making monthly payments for my HOA past due at one point on my credit card As well as renting out the unit and allowing XXXX XXXX to keep the proceeds in order to cover the maintenance fees. After my wife became XXXX due to XXXX and subsequent XXXX and had to reduce my working hours to part time we informed a representative named XXXX with XXXX XXXX in their collections department of the situation and he suggested that we could deed the time shares back to XXXX XXXX, and with the understanding we would not be able to use the time shares and would lose whatever equity we have in the timeshares ( approximately {$30000.00} for both weeks ). We agreed and were expecting paperwork which never came ; in the interim, Covid was a reality and we like most people were in a battle for basic survival. XXXX XXXX was not communicating with us and we just thought it was due to Covid. N w we find ourselves two years later trying to defend collections through XXXX XXXX agency for an amount of {$4800.00} which is quite a bit of money expecially since my wife 's We are not sure which agency can help and are contacting your agency for help and to understand how to navigate this matter. Any help you can provide us with would be very much appreciated and welcomed.
Please let me know if you need any additional information.
Respectfully submitted, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
Consumer Consent Provided |
Consent provided
|
|
3088160
|
2018-12-01
|
Attempts to collect debt not owed
|
Debt collection
|
|
Issue |
Attempts to collect debt not owed
|
Timely |
Yes
|
Company |
Meridian Financial Services, Inc.
|
Product |
Debt collection
|
Sub Issue |
Debt is not yours
|
Sub Product |
Other debt
|
Date Received |
2018-12-01
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2018-12-01
|
Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
Consumer Consent Provided |
Consent not provided
|
|
3111899
|
2018-12-28
|
False statements or representation
|
Debt collection
|
|
Issue |
False statements or representation
|
Timely |
Yes
|
Company |
Meridian Financial Services, Inc.
|
Product |
Debt collection
|
Sub Issue |
Attempted to collect wrong amount
|
Sub Product |
Other debt
|
Date Received |
2018-12-28
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2018-12-28
|
Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
Consumer Consent Provided |
Consent not provided
|
|
2289365
|
2017-01-13
|
Communication tactics
|
Debt collection
|
|
Issue |
Communication tactics
|
Timely |
Yes
|
Company |
Meridian Financial Services, Inc.
|
Product |
Debt collection
|
Sub Issue |
Frequent or repeated calls
|
Sub Product |
Other (i.e. phone, health club, etc.)
|
Date Received |
2017-01-13
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
No
|
Date Sent To Company |
2017-01-13
|
Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
Complaint What Happened |
I had a timeshare over 10 years ago was paid off and I told them to keep the timeshare I do n't want it no more. I stop paying the maintenance fee each year. Timeshare said I was stuck with them for 30year which I was never advise about this or even sign any documents making me aware about a 30year. Anyway timeshare was paid off and I do n't want it at all. I have never use the timeshare which was a bad investment making me loose over {$10000.00}. Timeshare is with XXXX.
|
Consumer Consent Provided |
Consent provided
|
|
10533100
|
2024-10-23
|
Attempts to collect debt not owed
|
Debt collection
|
|
Issue |
Attempts to collect debt not owed
|
Timely |
Yes
|
Company |
Meridian Financial Services, Inc.
|
Product |
Debt collection
|
Sub Issue |
Debt was already discharged in bankruptcy and is no longer owed
|
Sub Product |
Other debt
|
Date Received |
2024-10-23
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2024-10-23
|
Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
Consumer Consent Provided |
Consent not provided
|
|
3621055
|
2020-04-24
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
Issue |
Incorrect information on your report
|
Timely |
Yes
|
Company |
Meridian Financial Services, Inc.
|
Product |
Credit reporting, credit repair services, or other personal consumer reports
|
Sub Issue |
Account status incorrect
|
Sub Product |
Credit reporting
|
Date Received |
2020-04-24
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2020-04-24
|
Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
Complaint What Happened |
I signed with XXXX XXXX in 2011. At the initial presentation, they make it so that you feel extremely pressured to stay there and eventually sign a contract with them. They dont let you leave to think about the purchase. They tell you once you leave, the offer is not valid. They make you feel like you have to make a decision right then and there without any kind of time to think. I truthfully thought I understood all of the terms because I was going based off of what the representative was stating. Originally, they told me they were taking my old timeshare as part of the new contract, however, that did not happen. The maintenance fees have also continuously increase and that was never presented to me, which would have been necessary in order for me to make a wise financial decision. I feel completely lied to and I know this was absolutely misrepresented to me. I have reached out for over a year in regard to all of these circumstances and have been blatantly ignored. Now instead of assisting me with my already previous concerns, they gave my account an additional two companies- XXXX and Meridian Financial Services . Both of which have ruined my credit rating. Meridian Financial Services is NOT an attorneys office, it is an office who is trying to receive money from me. I have never signed a contract with Meridian Financial, nor XXXX for that matter. I have requested the original contract to be sent showing that I never gave authorization to Meridian nor XXXX to obtain my information. I had sent a cease and desist letter to both companies and still was contacted afterwards.
|
Consumer Consent Provided |
Consent provided
|
|
7831021
|
2023-11-09
|
Written notification about debt
|
Debt collection
|
|
Tags |
Older American
|
Issue |
Written notification about debt
|
Timely |
Yes
|
Company |
Meridian Financial Services, Inc.
|
Product |
Debt collection
|
Sub Issue |
Didn't receive enough information to verify debt
|
Sub Product |
Other debt
|
Date Received |
2023-11-09
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2023-11-09
|
Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
Complaint What Happened |
I received a letter on XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX I responded on XX/XX/XXXX requesting proof of all documentation and sent a certified letter on XX/XX/XXXX requesting they respond in 10 days. It was signed on XX/XX/XXXX. I received no proof or correspondence at all.
On XX/XX/XXXX I discovered they put a collection account on my credit report for XXXX I want it removed and will hold them liable for any problems it causes with my credit.
|
Consumer Consent Provided |
Consent provided
|
|
2492500
|
2017-05-02
|
Attempts to collect debt not owed
|
Debt collection
|
|
Issue |
Attempts to collect debt not owed
|
Timely |
Yes
|
Company |
Meridian Financial Services, Inc.
|
Product |
Debt collection
|
Sub Issue |
Debt was result of identity theft
|
Sub Product |
Mortgage debt
|
Date Received |
2017-05-02
|
Submitted Via |
Fax
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2017-05-23
|
Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
Consumer Consent Provided |
N/A
|
|
3606126
|
2020-04-14
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
Issue |
Took or threatened to take negative or legal action
|
Timely |
Yes
|
Company |
Meridian Financial Services, Inc.
|
Product |
Debt collection
|
Sub Issue |
Threatened or suggested your credit would be damaged
|
Sub Product |
Other debt
|
Date Received |
2020-04-14
|
Submitted Via |
Phone
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2020-04-16
|
Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
Consumer Consent Provided |
N/A
|
|
4467542
|
2021-06-16
|
Attempts to collect debt not owed
|
Debt collection
|
|
Issue |
Attempts to collect debt not owed
|
Timely |
Yes
|
Company |
Meridian Financial Services, Inc.
|
Product |
Debt collection
|
Sub Issue |
Debt was result of identity theft
|
Sub Product |
I do not know
|
Date Received |
2021-06-16
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2021-07-27
|
Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
Complaint What Happened |
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
|
Consumer Consent Provided |
Consent provided
|
|
3207787
|
2019-04-10
|
Attempts to collect debt not owed
|
Debt collection
|
|
Issue |
Attempts to collect debt not owed
|
Timely |
Yes
|
Company |
Meridian Financial Services, Inc.
|
Product |
Debt collection
|
Sub Issue |
Debt is not yours
|
Sub Product |
Other debt
|
Date Received |
2019-04-10
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2019-04-15
|
Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
Consumer Consent Provided |
Consent not provided
|
|
3128029
|
2019-01-18
|
Attempts to collect debt not owed
|
Debt collection
|
|
Issue |
Attempts to collect debt not owed
|
Timely |
Yes
|
Company |
Meridian Financial Services, Inc.
|
Product |
Debt collection
|
Sub Issue |
Debt is not yours
|
Sub Product |
Other debt
|
Date Received |
2019-01-18
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2019-01-18
|
Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
Complaint What Happened |
As per complaints : XXXX where you stated ALL COLLECTIONS WILL BE REMOVED FROM CREDIT REPORT, Complaint : XXXX where u state you will no longer persue collections, I NEED COMPANY TO PROVIDE CLARITY - WHEN WILL THEY BE DELETED???????
1 ) this is one account is from over 10+, almost 13 years ago and and can not be placed in credit report. It has been closed since then. so your documents provided are irrelevant and recent dates are frivolous 2 ) it is ILLEGAL to reset dates on account to reflect recent activity, add multiple accounts, and manufacture new dates as to cheat statute in order to collect.
Companies recent claim is that they will no longer persue collections said language is UNCLEAR, however. They were never supposed to put accounts on credit report as multiple accounts and fake dates in the first place.
I need WRITTEN CLARITY THAT THESE ( All ) will be deleted from credit report as per Company response in first complaint. Why are they multiple accounts on report in first place with varying dates. Also, company submits account from XX/XX/2006 OVER 13+ years ago. Second document of fees is fraudulent, as account has been closed over 10 years.
So, as per you first response, I AM STILL WAITING FOR ALL ITEMS TO BE REMOVED FROM CREDIT. YOU HAVE ONLY REMOVED ONE.
PLEASE CLARIFY YOUR LANGUAGE IN RECENT RESPONSE AND BE EXACT AS TO YOUR RESPONSE. I AM SIMPLY ASKING YOU TO DO WHAT YOU SAID YOU WOULD DO IN FIRST COMPLAINT SUBMITTED IN XX/XX/XXXX.
I WILL CONTINUE TO PERSUE ALL AND ANY AVENUE UNTIL THIS HAS BEEN RIGHTFULLY RESOLVED. I HAVE BEEN WAITING PATIENTLY AND STILL GOING BACK AND FORTH UNBELIEVABLE.
Its illegal for company to try and cheat statutes in order to force collection.YOU KNOW THIS
|
Consumer Consent Provided |
Consent provided
|
|
3127536
|
2019-01-17
|
Attempts to collect debt not owed
|
Debt collection
|
|
Issue |
Attempts to collect debt not owed
|
Timely |
Yes
|
Company |
Meridian Financial Services, Inc.
|
Product |
Debt collection
|
Sub Issue |
Debt is not yours
|
Sub Product |
Other debt
|
Date Received |
2019-01-17
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2019-01-17
|
Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
Complaint What Happened |
On XX/XX/18 I submitted a complaint to your agency : complaint # XXXX regarding Meridian Financial fraudulently and illegally buying and placing numerous accounts on my credit report with fake dates/ amounts so as to show recent and restart clock.
The results/theyre response was that they were to contact credit bureau within 5-7 business days to have all accounts they placed removed.
As of last week, only one of the illegally placed 7 accounts were recently removed. However, they have increased amounts and the following remain on my credit report continuously causing damage to my credit/ Meridian Collections : {$2200.00} XX/XX/2018 {$920.00} XX/XX/2018 {$2100.00} XX/XX/ {$640.00} XX/XX/2018 {$250.00} XX/XX/2018 {$570.00} XX/XX/2018.
As per results of last complaint : THESE ARE TO BE REMOVED IMMEDIATELY.
This company illegal activity is ruining my credit and they have not complied with findings of last complaint.
I have waited long enough and I am being denied my legal right to have fraudulent accounts illegally placed on my report removed by this company.
I have sent letters in this regarding referring to said complaint and STILL NO RESPONSE.
This company needs to be sanctioned for its illegal practices effecting peoples lives and showing no regard for the conclusion of the Federal Governments findings.
|
Consumer Consent Provided |
Consent provided
|
|
3097514
|
2018-12-11
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
Issue |
Incorrect information on your report
|
Timely |
Yes
|
Company |
Meridian Financial Services, Inc.
|
Product |
Credit reporting, credit repair services, or other personal consumer reports
|
Sub Issue |
Account information incorrect
|
Sub Product |
Credit reporting
|
Date Received |
2018-12-11
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2018-12-11
|
Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
Complaint What Happened |
I contacted company, agreed to pay with deletion, company agreed to accept payment with deletion, however, account is still reflected on all three credit reporting agencies. The amount agreed was paid in full, but no deletion occurred.
|
Consumer Consent Provided |
Consent provided
|
|
1730719
|
2016-01-06
|
False statements or representation
|
Debt collection
|
|
Issue |
False statements or representation
|
Timely |
Yes
|
Company |
Meridian Financial Services, Inc.
|
Product |
Debt collection
|
Sub Issue |
Attempted to collect wrong amount
|
Sub Product |
Other (i.e. phone, health club, etc.)
|
Date Received |
2016-01-06
|
Submitted Via |
Phone
|
Company Response |
Closed with explanation
|
Consumer Disputed |
No
|
Date Sent To Company |
2016-01-06
|
Company Public Response |
Company chooses not to provide a public response
|
Consumer Consent Provided |
N/A
|
|
2678615
|
2017-09-19
|
Attempts to collect debt not owed
|
Debt collection
|
|
Issue |
Attempts to collect debt not owed
|
Timely |
Yes
|
Company |
Meridian Financial Services, Inc.
|
Product |
Debt collection
|
Sub Issue |
Debt is not yours
|
Sub Product |
Other debt
|
Date Received |
2017-09-19
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2017-09-19
|
Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
Complaint What Happened |
Letter to FTC : XXXX/XXXX/XXXX I am contacting you to see if you could assist me with a situation with Meridian Financial, a collection agency. For background information Meridian Financial has placed a collection account on my profile with XXXX and XXXX for a debt that I certainly do not owe. Back in XXXX of XXXX my boyfriend and I went on vacation to XXXX XXXX in the XXXX XXXX. The minute we checked into the hotel we were hounded and harassed by the sales team about their travel club. They wanted us to attend XXXX of their presentations. Based on their persistence, we caved in and decided to at least attend the presentation. Unfortunately for us, we joined their " timeshare/travel club called '' " XXXX XXXX XXXX '' or XXXX. They repeatedly told us that this was not a timeshare but rather a travel club. During the presentation and also at various other times while on the resort we tried to see if we could go online to see some sort of review on this travel club, however, it became apparent that they somehow had managed to limit access to the internet while we attended the presentation and stayed on their resort. They kept telling us that the internet was down and they were having issues. As soon as we returned to the states, I did my research and found a lot of complaints about this travel club being a scam/fraudulent club. We decided immediately that we did not want to continue with the membership. We placed a countless amount of calls to cancel membership. We were told that we had to send a letter via fax. We sent a fax to the representative that we spoke to by the name of XXXX, she refused to provide her last name. We explained to XXXX that we wanted to cancel our membership. She repeatedly told us that someone would get back to us about canceling our membership. This took weeks! In the meantime, we also sent various faxes cancelling the membership. They still did not acknowledge that we cancelled the membership. I contacted XXXX XXXX about the $ XXXX charge on my credit card for the membership fee and was told that they had several complaints themselves against this company and issued me a credit back on to my card and that the case was closed. Now 2 years later, it seems that they have sold the debt to Meridian Financial. Meridian Financial is constantly calling my cell phone in regard to this debt that I do not owe. I am not a member of the XXXX XXXX XXXX. Why would Meridian expect payment for a travel club that I am not a member of?
Initially, they stared sending me letters indication that this debt was owed by me. The letters were address to " XXXX XXXX XXXX '', my full name is XXXX XXXX XXXX, that alone should be enough to disqualify this debt from my profile. Now I am being harassed by Meridian Financial on a daily basis. They are consistently calling my cell phone several times throughout the day disrupting my work day. I too have blocked their number, however, they call from various numbers and when I block a number, a new series of numbers call my cell. Some of the phone numbers are very close to my own cell phone number. I hired XXXX Law back in XXXX XXXX to see if they could assist me with this however, they suggested that I file a complaint with the FTC.
Best regards, XXXX XXXX
|
Consumer Consent Provided |
Consent provided
|
|
3604831
|
2020-04-13
|
False statements or representation
|
Debt collection
|
|
Tags |
Older American
|
Issue |
False statements or representation
|
Timely |
Yes
|
Company |
Meridian Financial Services, Inc.
|
Product |
Debt collection
|
Sub Issue |
Impersonated attorney, law enforcement, or government official
|
Sub Product |
I do not know
|
Date Received |
2020-04-13
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2020-04-13
|
Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
Consumer Consent Provided |
Consent not provided
|
|
3990023
|
2020-12-04
|
Written notification about debt
|
Debt collection
|
|
Issue |
Written notification about debt
|
Timely |
Yes
|
Company |
Meridian Financial Services, Inc.
|
Product |
Debt collection
|
Sub Issue |
Didn't receive enough information to verify debt
|
Sub Product |
I do not know
|
Date Received |
2020-12-04
|
Submitted Via |
Fax
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2020-12-04
|
Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
Consumer Consent Provided |
N/A
|
|
2556338
|
2017-06-22
|
Written notification about debt
|
Debt collection
|
|
Issue |
Written notification about debt
|
Timely |
No
|
Company |
Meridian Financial Services, Inc.
|
Product |
Debt collection
|
Sub Issue |
Didn't receive enough information to verify debt
|
Sub Product |
Other debt
|
Date Received |
2017-06-22
|
Submitted Via |
Postal mail
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2017-06-29
|
Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
Consumer Consent Provided |
N/A
|
|
2721225
|
2017-11-05
|
False statements or representation
|
Debt collection
|
|
Tags |
Servicemember
|
Issue |
False statements or representation
|
Timely |
Yes
|
Company |
Meridian Financial Services, Inc.
|
Product |
Debt collection
|
Sub Issue |
Attempted to collect wrong amount
|
Sub Product |
I do not know
|
Date Received |
2017-11-05
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2017-11-06
|
Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
Consumer Consent Provided |
Consent not provided
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