Meridian Financial Services, Inc. CFPB Complaints

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2000 Latest Complaints
Date Received Timely Response Product Issue State / Zip Submitted Via Tags
06/07/2023 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • UT
  • 84040
Web
I am writing to file a complaint against the collection agency, Meridian Financial Services, NMLS ID XXXX regarding their collection of fees incurred with a timeshare provider XXXX XXXX XXXX. As described in this complaint, XXXX XXXX XXXX engaged in unfair practices that made it impossible for a reasonable person to make a payment on their account, and Meridian Financial Services failed to ensure the debts they are collecting resulting from XXXX XXXX XXXX timeshares are fairly incurred. In addition, Meridian Financial Services failed to provide a sufficiently detailed itemization of fees that were assessed ( they provided a high-level summary that did not include dates and amount of each individual fee assessed ). They also failed to properly address a dispute I submitted related to the charges assessed. In addition, when I contacted Meridian Financial Services regarding questions, I was told to file a dispute even though Meridian Financial Services already had a dispute on file, and Meridian refused to consider Powder Ridge Villages unfair practices. Please note that I have paid the amount due, including the amount in dispute, but I did not pay it all because I agree the debt is due. I paid it because I am educated in the practices of credit reporting and collections after having spent a career in banking and financial services compliance for the last 20 years, I understand that I am banging my head against a brick wall trying to fight it. I have no power in this situation, and I have no recourse against XXXX XXXX XXXX for their unfair practices. Meridian Financial Services has not demonstrated any intention of verifying that XXXX XXXX XXXX wasnt engaged in unfair practices. I am just a consumer that has no voice with two businesses. However, it wouldnt feel good to not say anything to anyone because other consumers will be affected by similar circumstances. If this information could help prevent that in any way, I would want someone else to take the time to document it all as well. My dispute is based on the fact that XXXX XXXX XXXX referred my account to collections AFTER I made numerous attempts to pay the amount due via their new website and attempted to contact them by phone to make a payment. I repeatedly tried to make valid attempts to pay my account BEFORE it was referred to a third-party collector. A summary of the events has been provided below. I received an email from XXXX XXXX XXXX on XX/XX/XXXX, providing notice that the online XXXX XXXX was getting an upgrade and credentials were going to be sent once the XXXX XXXX was again live. I received an additional email from XXXX XXXX XXXX on XX/XX/XXXX providing my new XXXX XXXX credentials. Soon after, I logged into the XXXX XXXX and attempted to make a payment, using several valid payment methods, and each time I just received a Validation Error or other similar vague error. I also called XXXX XXXX XXXX at the phone number posted on their website. The phone repeatedly rang with no answer and there is not a voice mail on this phone line. I also looked for a posted billing contact, but no phone number has been published. I continued these attempts repeatedly over the next three months, and I am certain that XXXX XXXX XXXX could verify this through audit logs. I may have a bit of misplaced loyalty to XXXX XXXX XXXX given that I have been spending time there since I was a child, and I trusted that XXXX XXXX XXXX would resolve the error on their website or that I would eventually be able to connect with them by phone to make a payment. I was finally able to connect with a XXXX XXXX XXXX person in XXXX, and I requested to make a payment over the phone for the amount due reflected on XXXX XXXX XXXX XXXX XXXX, {$11000.00}. Soon after making the payment, I received a call back from the same representative and was told that my payment had been rejected because my account had been referred to Meridian Financial Services. During this conversation, I was told by the representative that Validation Error is a known issue that is being actively worked. The following day, I received a letter from Meridian Financial Services stating that I owed a balance that was substantially greater than what had been reflected on the XXXX XXXX XXXX website. I immediately contacted Meridian Financial Services, and asked about the increase in balance due and informed them that XXXX XXXX XXXX had prevented me from making a payment online since XX/XX/XXXX. I also made a payment in the amount of {$1000.00} ( it was supposed to be {$1100.00} ; however, Meridian Financial Services made an error in processing the payment ). I sent a dispute letter to Meridian Financial Services ( along with a check for the remaining undisputed amount {$100.00} ) and retained verification that the dispute letter was received by Meridian Financial Services on XX/XX/XXXX. I still have not received a written acknowledgement of receipt of that dispute or any explanation for what to expect from Meridian Financial Services as a result of that dispute. Following this call, Meridian Financial Services and I connected several times by phone. Each time, I felt like I was talking to a brick wall explaining to Meridian Financial Services that XXXX XXXX XXXX had referred my account to them after a technical error on the XXXX XXXX prevented me from being able to make a payment online. Since the XXXX XXXX XXXX XXXX XXXX provided conflicting information to the balance due by Meridian Financial, I requested an itemization of fees. I did receive the fee documentation from Meridian Financial Services by mail on XX/XX/XXXX ; however, it did not reconcile AT ALL to the fees and other information in the XXXX XXXX, nor did it provided an actual itemization of fees that documented the amount and date of each fee charged and who charged the fee ( Meridian Financial Services or XXXX XXXX XXXX ). It simply listed an aggregated amount of fees charged for late fees, an aggregated amount of fees for collections, and an itemization of the payments I made. Also, since being notified that Meridian Financial Services has my account, I have attempted to contact XXXX XXXX XXXX to get a copy of statements and other documents related to my account to determine if the fees that were assessed were valid. I have not been able to reach XXXX XXXX XXXX by phone or by email to request this information. I also want to point out that when I told Meridian Financial Services what I had experienced trying to make a payment with XXXX XXXX XXXX, I was asked how long I had my timeshare. I told him that it had been in the family for decades, and the response I received was, Right, so you should know how this works. The response was not only callous, but it implied that unfair practices are typical with timeshares and should be accepted. This is concerning for a collections agency that specializes in collecting time share-related debts. It appears that they wash their hands of any unfair practices that timeshares engage in, and they do not hold themselves as being responsible for helping to uphold consumer protections. Here 's the deal. It was my mistake that I did not make a payment for the maintenance fees by the due date, XX/XX/XXXX. I am human and life had gotten to me at that point, and I didnt recover from events that were going on until after the holidays. That is on me. It is also probably on me that I had some misplaced loyalty and trust in XXXX XXXX XXXX, and I expected that they would resolve the issue on the website or answer a phone call. I will accept responsibility for that. However, I would also like to see XXXX XXXX XXXX accept responsibility for referring an account to collections for which I was trying to make a payment and for their unfair practices making it very, VERY, VERY difficult for me to make a payment. I would also like to see Meridian Financial Services understand that they are working with timeshares, and they have a certain amount of responsibility to ensure that debts they are collecting are valid and that there werent any unfair practices affecting that debt. I am also notifying you that I expect that any reports made to the credit bureau and on my credit report be accurate, and not reflect any delinquency that extends into the time period during which I was prevented from making payments due to website issues, not answering the phone, and lack of communication regarding a referral to a collections agency.
07/26/2018 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • CA
  • 91910
Web
My Dispute is with Meridian Financial Services, XXXX XXXX XXXX, XXXX XXXX XXXX, NC XXXX Disputing the timing of receipt of the debt and payment amount. On the day that I was going to pay, the amount increased over {$200.00}. Charged XXXX XXXX fee. I originally emailed a letter of complaint which I have not received a reply to in writing although they acknowledge they received it. I have since paid the {$820.00} on XX/XX/XXXX because I called and actually spoke to the person who I originally stated I would pay on XX/XX/XXXX and she said she would try and process the payment and see if the system would allow it. She said normally it doesn't but she would try. I requested they waive the other fees since I was paying on the same date that they said the fees were added. I felt this was an attempt to collect XXXX XXXX anyway and even if I had called to pay it sooner, they would have probably stated the fee was due. Before sending the email, I spoke to someone that morning of XX/XX/XXXX to pay and they would not take my payment unless it was the full payment they were seeking, {$1000.00}. I stated I was prepared to pay {$820.00}. They said they could not accept that. I asked for a manager and I called the manager XXXX and left a message. He never called me back until today XXXX. With several communications back and forth, I asked for what documentation they had that states they can collect and that the fees are XXXX XXXX. I was told the fees are set by XXXX and they could not waive them. They've only offered to waive {$62.00} and today XXXX offered to waive only {$52.00}. It is the principle more than anything, with the fact that I called on the day that they supposedly assessed the XXXX XXXX that they could not accept my payment of {$820.00}, the original amount. Here is the email I sent them on XXXX Re : XXXX Owner Account XXXX I am writing because I have been speaking to someone in your office regarding the payment due for the XXXX Resort. I am a very busy person as most people are and I am sure you are as well. I spoke to someone on Wednesday and at that time I informed her I would be making the payment as soon as I could, and that I get paid on Friday, XX/XX/XXXX. On XX/XX/XXXX, your representative called me and I stated before he began his recital about this is an attempt to collect a debt ; that I was planning to call today to make the payment. He proceeded to tell me that the payment was now {$1000.00} and I stated that I am only prepared to pay the {$820.00}. Many timeshare owners are frustrated in the fact that the maintenance fees consistently increase every year and most find it difficult to pay that amount ... ... '' I called XXXX XXXX and they only showed me owing {$820.00} on that day XXXX, but said I needed to make my payment with XXXX. XXXX does not even have a website where consumers can pay. I asked for a manager that day and got voicemail. I left a message and only received a call back from him today because I called them yesterday XXXX. I think they are selling services to their customer as Early out and No cost to you dues collection. I have attached images from their website. I don't think this is fair practices. They have not produced a document from XXXX stating that I agreed to pay XXXX XXXX in collection and fees. I also asked for a copy of their contract with XXXX which they refused. I believe their practices are in violation of FDCPA as I only originally owed {$820.00} and it was paid on XXXX, my account was never sent to collection ( not filed with credit bureau XXXX. Also I would like to mention that I have a floating week and I agree I should pay maintenance fees. I normally in the past have paid directly with XXXX before I use or exchange my week.
09/19/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 11520
Web
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
01/04/2020 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • IN
  • 46037
Web Servicemember
On or about XX/XX/XXXX, I retained the services of an attorney for the purpose of disputing a debt reported to my credit report with XXXX by Meridian Financial Services. XXXX reported six separate debts ( {$3700.00}, {$3300.00}, {$4100.00}, {$4300.00}, {$1900.00}, {$5600.00} ) to the credit bureau on or about XX/XX/XXXX and XX/XX/XXXX appearing under account number XXXX and XXXX. While preparing documentation for the processing of a Federal Background Check, I discovered the six alleged debts from Meridian Financial Services and XXXX XXXX at XXXX XXXX. XXXX reported inaccurate information that was time-barred by the statute of limitation and in violation of the XXXX Consumer Collection Practices and the Federal Fair Debt Collection Practices Act. They provided a Maintenance and Taxes history in the amount of {$42000.00} dating back to XX/XX/XXXX to my attorney as validation of debt and a copy of a Claim of Lien filed on XX/XX/XXXX. I was never provided with a notice of a Claim of Lien and furthermore I was serving in the military on XXXX XXXX during that period. I had not previously received any correspondence of any kind, bills, or invoices from XXXX, XXXX XXXX XXXX XXXX XXXX at XXXX XXXX, or Meridian Financial Services on this alleged debt after the foreclosure of the timeshare on XX/XX/XXXX. Nor was I informed of the assignment of the debt to Meridian Financial Services by XXXX, XXXX XXXX XXXX XXXX XXXX at XXXX XXXX or Meridian Financial Services. On or about XX/XX/XXXX, I was advised by a XXXX representative that I did not longer owed a timeshare. When purchasing this timeshare interest, I was sold the same as a conversion to a new upgraded program. When receiving invoices for annual assessments prior to the foreclosure, these invoices only listed one contract number as reference for the upgraded timeshare interest. As a result, I have been completely deceived by XXXX and XXXX XXXX at XXXX XXXX on the interest responsibility from my part. Meridian Financial Services is responsible for their share in this transaction. The effects of their inaccurate reporting have caused me to continue to be the subject of unfavorable eligibility determination for a security clearance and is preventing me from employment. On or about XX/XX/XXXX I was denied credit as a result of the many open adverse accounts in my credit report by XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. On or about XX/XX/XXXX XXXX reported four separate debts ( {$4300.00}, {$4600.00}, {$4300.00}, {$4000.00} ) to the credit bureaus with the same attempt to collect one alleged debt. When confronted with allegations, XXXX stated that is attempting to collect delinquent maintenance fees for years XX/XX/XXXX-XX/XX/XXXX. After submitting a complaint through the XXXX XXXX XXXX, Meridian Financial Services now states that they have ceased all collection activity on my account, and such has been returned to the original creditor and is no longer active in their office. Ceasing collection activity is an action required by law for an account without validation.
03/04/2021 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • PA
  • 186XX
Web
XXXX XXXX XXXX XXXX took our maintenance fee in XXXX and XXXX and did not proved a service, weeks vacation to use or bank for a future date in return. We also had to pay a yearly fee to a third party to hold that week which that was lost. I called to make my XXXX fee payment XX/XX/XXXX with XXXX ext XXXX found out company did not bank my week in XXXX of XXXX so I disputed paying XXXX, she said new owners took over end of XXXX and some problems with customer accounts will get back to me. I called in XX/XX/XXXX to make a payment on my fees with XXXX and resolve last years lost week again they would research and get back with me, so no payment from us until last year is fixed or a solution. I sent a letter to the XXXX, they sent 2 letters to XXXX XXXX XXXX with no response back. The XXXX said contact Attorney Generals office they sent them a letter no response. In XX/XX/XXXX XXXX XXXX was going to send us to a collection agency if we do not pay our XXXX maintenance fees so we did without any resolution from last years problem. We then tried to bank our XXXX week with the help of XXXX XXXX from the XXXX XXXX without success. XXXX XXXX is the third party it seems they were not aware of changes like us since no letter about the company policies were sent from the new ownership. In the past we would call our home base XXXX XXXX and they would bank our week. Now I found you give XXXX a reservation number and they bank your week XXXX had to explain it to us and XXXX. So we gave XXXX several reservation dates with the help from XXXX that would not work. XXXX looked into the problem said they have notice from XXXX XXXX they were closing do not take any reservations was because of Covid we were not sure. I told XXXX since your home office said we should be fine to bank our account have them bank my week and get back with us. XXXX XXXX never contacted us even after I sent complaint through their website. I received a response from a XXXX at their website she would look into our concerns and get back to us, this was in XX/XX/XXXX. I called my credit card in XXXX and disputed the charge for XXXX fee they reversed the fee. XXXX XXXX still has not called or contacted us they sent us to Meridian creditors then they sent us a bill for XXXX. Maintenance fee each year is XXXX and XXXX fees is about XXXX a year. Nothing in the bill stating we can dispute the fees. We callled Meridan creditors they are letting us dispute the charges we sent a certified letter XX/XX/XXXX the post office dropped it off XX/XX/XXXX but they need to sign for the packet. I told XXXX XXXX case manager # XXXX to have someone go to the front desk at post office and sign for it today XX/XX/XXXX. I told XXXX XXXX I'm willing to forgive XXXX and XXXX ( since we lost the week and had the fees returned ) just bank our XXXX week since we paid the maintenace fees already in XXXX XXXX. Remove us from the collection agency since we paid for a service that they did not provide for us then had the fees returned because of lack of service. Sincerly XXXX XXXX
10/18/2017 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Attempted to collect wrong amount
  • PA
  • 152XX
Web
In XXXX of XXXX I stayed in XXXX where I was confronted by a nice young woman to be invited to attend a airing TV show and a seminar on Time sharing, at no obligation and no cost to me. The woman explained to myself and my friend that in order to be eligible for the promotion that we would have to be married. We explained to the woman that this was not the case and we did not wish to move forward with the process, being a little pushy and also very kind at the time we decided to stay and watch the show and listen to the seminar. After we were then approached by a gentleman asking us to fill out a form with only our last XXXX digits of our Social Security number, reluctant because of the hard pull we were reassured that this would not effect our credit in any way, so we agreed. We were also promised by joining this program that we would be eligible for a free 3 day trip to a resort of our choice once we payed a {$100.00} upfront fee I then gave them my personal account information to make the payment. Upon arriving back home from my trip I immediately called to inquire about this and get more information to book for my free trip. I was transferred to over XXXX different numbers ending up at the same place I started at XXXX. This is when I realized I had become a victim of their fraudulent acts. XXXX XXXX XXXX they started to withdraw {$100.00} a month from my checking account, This went on for 4 months until I told my financial institution to stop the payment and was reimbursed {$400.00} that they took from me. In XXXX they " verified " the account as being correct and the bank refunded them back the {$400.00}. In XXXX of XXXX a report ended up on my credit report and also my friend XXXX XXXX as delinquent for the amount of {$1200.00}. My first complaint is that I was told that this would not effect my credit and was 100 % risk free and I would be able to cancel at any time. Secondly, If the company already received {$400.00} from us, how are we still entitled to pay them the full balance of {$1200.00} which is the price quoted for the entire package. Lastly as of XXXX when this remark showed up on my report it had not even been a full year as stated in the contract that the time was up, this action alone should prove that they were even more fraudulent by this action. This company is not only defrauding us a consumer 's but you as well and there should be a full investigation opened up against them because I 'm positive that I am not the only person this has happened to. This is horrible that these people are legally aloud to get away with such fraudulent acts. I am requesting that it is removed from all of my credit reports and XXXX XXXX 's for it states that is a joint contract, also a full refund of the monies that was taken from my checking account
08/22/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • MO
  • 63366
Web Older American
My wife bought a time share at XXXX XXXX in XXXX, VA. The property became run down under the original management company and an XXXX XXXX was formed to take over management responsibilities. In XXXX the XXXX XXXX XXXX did an inventory of the property and determined that time share owners would have to provide over {$1000.00} in a XXXX to renovate the property to a minimum standard, On Auguest XXXX, XXXX my wife and I paid this XXXX with an elecronic check drawn on my wife 's account at her XXXX XXXX. The amount that we paid was discounted because we paid early and in full. On XXXX XXXX, XXXX, three mongths after making the XXXX payment in full and clearing the Deed of the time share of all encumbrances, my wife deeded the time share to me through a Deed of Gift. Several months ago in XXXX I began receiving telephone calls and letters from XXXX XXXX XXXX XXXX XXXX in XXXX, NC demanding {$1100.00} for an alleged debt to XXXX XXXX XXXX XXXX. After several attempts to discover the nature of this alleged debt, I understood that the XXXX XXXX claimed that I had n't paid the XXXX. I tried phoning the XXXX XXXX over a dozen times to find out if they had mis-applied my payment as they had done in the past or if there were some other clerical error. They never answered their phone. I left voice mail messages identifying myself and asking that they phone me back. They never returned any of my calls even though I am a member of the XXXX. XXXX refused to answer questions about the validity of the debt and just asked if I was going to pay by check or credit card. After sever harrassing phone calls, I managed to have XXXX agree to stop calling until I provided a copy of the cancelled check. After several atteempts to provide a copy of the front and back of the cancelled check and XXXX claiming that they never received it, I mailed a copy of the check to them and considered the matter closed. A few weeks later I received another letter from XXXX demanding payment in full of the {$1100.00}, I was perplexed to say the least. After several more harrassing phone calls, I discovered that the XXXX XXXX XXXX XXXX was attempting to collect TWICE for the same debt : once from my wife, which was paid in XXXX XXXX, and once from me, claiming that these were separate accounts for the same timeshare. This is tantamount to fraud : they are attempting to collect the same debt twice even though it had been paid in full. If this practice is legal, someone should make it illegal ; it is certainly immoral.
03/17/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 95210
Web Older American, Servicemember
As part of a time-share purchase, XXXX in XXXX XXXX accepted our XXXX XXXX timeshare in XXXX XXXX as a trade-in. XXXX XXXX handled the transfer of ownership and sent confirmation that the transfer of ownership took place on XXXX/XXXX/XXXX. On XXXX XXXX, XXXX, we received a collections letter from Meragon Financial Services, claiming that we owed {$8000.00} to XXXX for maintenance fees and fines. I disputed this on the phone, by mail, and by fax, sending Meragon the confirmation of transfer of ownership letter. They still persisted in calling and sending collections, threatening to report the unpaid debt to credit bureaus. I requested the exact information received from XXXX claiming I owed this debt. They sent one paper with the dues I paid under my contract number and a second paper with a different contract number listing unpaid and late payments. I confirmed with XXXX that this contract was not mine, but when I related this to Meridian, they continued in rudeness and threats. There is no debt. There is no paperwork validating that I owe a debt. I received no bills or notices of fines from XXXX. Meridian claims that these were sent regularly to me. XXXX XXXX called XXXX accounting, spoke with XXXX XXXX, who stated that the ownership was transferred, but since the new owners did not pay the maintenance, XXXX put the timeshare back into my name. He denied this when I talked to him and refused to talk anymore, referring me to the collections agency. We hired an attorney, explained all this to him and faxed him all the paperwork. After 6 months, he sent me a notice that we were no longer owners of XXXX, but he put the effective date as XXXX of this year! He says he is not responsible for any credit problems we may have. I intend to continue corresponding with him until I either get my money back ( {$950.00}. ) or sue him. Help! We relied on XXXX XXXX, who claims they are not responsible. We relied on XXXX XXXX, who claim they are not responsible. We relied on XXXX, who claims he is not responsible. How are we responsible for a transaction we are not licensed to perform on our own when we are informed that the transaction has been completed? We have been blind-sided by this. Now we find that XXXX has dinged us for XXXX unpaid debts from Meridian Finance, all opened XXXX XXXX, XXXX, totaling {$8000.00}, lowering my credit score more than XXXX points! It should be XXXX, but it 's XXXX!
12/22/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • NC
  • 285XX
Web Servicemember
After pulling my credit report in XXXX, I notice a few accounts with a huge outstanding balance owed to Meridian Financial. I contacted Meridian Financial on XXXX/XXXX/XXXX. I spoke to XXXX about options for a plan to pay off the obligation. At that time, she said l would have to pay a lump sum of {$3000.00} in order for the account holder to look at the possibility for payment. I called Meridian Financial on XXXX/XXXX/XXXX and spoke with XXXX. I asked XXXX about my Credit Report and that it stated that I owe {$7500.00} and XXXX accounts. He informed me that the total is {$9400.00} and XXXX accounts on his records. XXXX stated that Meridian Finical Services a lump sum of {$3000.00} by XXXX/XXXX/XXXX or they are going to put more stuff on my credit report. Also, they could n't work with a payment plan until I pay {$3000.00} to possibly get approve for a payment arrangement. I spoke to XXXX at XXXX XXXX on XXXX/XXXX/XXXX at XXXX am. He told me that there is no one at XXXX XXXX can help me or speak to me about the account due to the delinquent status. He informed me to call Meridian Financial Services at XXXX ( but the # 's I have on file is XXXX ). I informed him the reason I contacted him due to not getting help with a payment plan from Meridian Financial Services and that I will be filing a complaint with the Consumer Financial Protection Bureau. He then gave me an email to contact the General Manager : XXXXXXXXXXXX. He then thanked me and said " have a good day ''. At XXXX XXXX on XXXX/XXXX/XXXX, I spoke to XXXX at Meridian Financial Services about the situation and he forward me to XXXX XXXX, where I left a voice mail at XXXX XXXX requesting a statement summary. I was not confident that XXXX XXXX would call me back so I called again at XXXX XXXX and spoke with XXXX. He looked at my account and said about the same thing. I asked if he could give me a summary of my account so I can visually see what is going on with my account. He said he could not and is not allowed to give me a statement of account or a letter with the proposal for repayment. I researched the complaints on this site and there are XXXX complaints against Meridian Financial Services listed in the database.
07/12/2020 No
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 94598
Web Older American, Servicemember
18 years ago I was informed I had a time share at a place called XXXX XXXX. I disregarded the letter as I never bought into any timeshare in XXXX XXXX. I called the timeshare company then and told them I did not buy the timeshare. I did not hear back for about 5 years and assumed it was gone. Then I started getting calls that I owed {$5000.00} in back maintenance fees. I called them and told them I didnt know who they were I didnt know where they were. The next week I get a company called Meridian financial services send me a letter for collection. I called them and they were nasty and told me I would pay them eventually and they hung up. They harassed me weekly and sometimes daily calls. I hired a company call XXXX XXXX and they had it removed from my credit report as it was causing me to get turned down for credit. 6 Months later it was back on my report. I got it removed and 1 year later they got it back on. I get letters from the XXXX XXXX that I owe {$14000.00} in back fees. I hired another company called XXXX XXXX. Now what Meridian does is Put collection accounts on the report with different numbers each time so it looks like I have several collection accounts when it really is just the same company. I called them and they hung up. My credit is still being wrecked by this company it is the only bad on my credit report I have never been late on any of my many accounts but it costs me higher interest rates on my mortgages. But I refuse to pay the blackmail they are doing to me. I have asked repeatedly to show me one place anywhere that I signed for this timeshare and they tell me they dont have to. I did find that someone not related to me grant deeded this to me and I found that you can do this to anyone as long as there is no mortgage on it. I considered grant deeding it to a Judge and let them deal with it but decided against it. Several years ago I grant deeded it to a homeless guy who did not care and I informed the XXXX XXXX about it and they responded with they dont recognize that deed. I told them it is the same way I got stuck with it. They still keep sending me bills for over 15K. Please help!
01/17/2018 No
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 324XX
Web
I have been billed for condo association assessments for a property that I do not own and did not own during this billing period : 1. I transferred title to this property on XX/XX/XXXX 2. The property association send me bills for the XX/XX/XXXX assessments, due XX/XX/XXXX for this property on XX/XX/XXXX, on XX/XX/XXXX, and again on XX/XX/XXXX. Each time I returned the bills in writing with a note stating I no longer owned the property as of XX/XX/XXXX 3. On XX/XX/XXXX, Meridian Financial Services, a debt collector send me a letter stating my " debt '' had been placed with them for collections. Their contact info is : Meridian Financial Services , Inc . XXXX XXXX XXXX XXXX, NC XXXX N.C. Dept of Insurance Permit # XXXX Account manager : XXXX XXXX 4. On XX/XX/XXXX I wrote a letter to Meridian Financial stating that I was not the owner and that I had notified their client of this 3 times previously in writing. 5. On XX/XX/XXXX, XXXX XXXX/Meridian send me another nasty letter demanding payment. 6. On XX/XX/XXXX, my attorney, XXXX XXXX wrote to XXXX XXXX and stated very clearly that I had conveyed the property on XX/XX/XXXX, enclosed a copy of the deed, a copy of the Florida statute showing I was not liable for any assessments after the transfer, that Meridian Financial was in violation of not only Florida law but federal law concerning unfair debt practice act. My attorney demanded that Meridian correct any report that reflects negatively on my credit that had been reported by Meridian. 7. On XX/XX/XXXX I purchase a car. My credit report showed row Meridian had reported negative credit to XXXX and the other major credit bureaus. As a result, my car loan interest rate was considerably higher. 8. On XX/XX/XXXX, I received another demand letter from Meridian. 9. I have disputed the credit reported by Meridian with XXXX. I included all of the written correspondence above. XXXX contacted Meridian, Meridian has certified to XXXX that the original info is correct. So, even after all of this, they refuse to fix their mistake. Meridian Financial has continued to ignore me and my attorney. HELP
12/29/2020 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • CA
  • 94544
Web
This collection company, Meridian/XXXX Financial Services, held/owned four past debts, that were listed on my credit report as of XX/XX/XXXX. According to a Settlement letter that I received on XX/XX/XXXX, and the Meridian website as of XX/XX/XXXX, they showed I owed a total balance of {$3000.00}. A payment was made online on XX/XX/XXXX, for the full amount of {$3000.00} ( plus processing fees ), to clear up all four collection debts. Meridian provided me with a receipt for that payment. The balance on the four accounts should then have all been at zero and the accounts can/should have been removed. Instead, on XX/XX/XXXX Meridian/XXXX Financial Services removed two of the collection debts ( with reported dates of XX/XX/XXXX and XX/XX/XXXX ) but " updated '' the other two accounts ( with reported dates of XX/XX/XXXX and XX/XX/XXXX ) " confirming '' that I still owed the balance on these other two accounts. Meridian/XXXX Financial Services has not contacted me, either by telephone, email, or letter, since I made the payment to explain why they took this action nor to provide me with a " new '' billing statement for these " other two accounts '' that they supposedly verified as still outstanding. I contacted the original company that gave Meridian/XXXX Financial Services ( XXXX XXXX XXXX XXXX XXXX ) and they stated Meridian/XXXX Financial Services only paid them {$2400.00} and did not pay them for the debt that occured in the 2020 year.XXXX XXXX XXXX stated that as a result I still owed them over {$400.00} for the XXXX debt. The behavior of Meridian/XXXX Financial Services is unprofessional, unethical and borders on criminal. In this time of Covid if a customer struggles, but actually makes an attempt, to clear up a collection account a business should do their part to make the customer whole again instead of trying to take advantage of them. Copies of the Settlement letter, payment receipts, and a list of the four past outstanding collection accounts can be provided on request.
07/12/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • TX
  • XXXXX
Web
I paid off my timeshare loan ( {$2100.00} ) with XXXX XXXX XXXX, in XX/XX/XXXX. I got a letter confirming my payoff. As well as a share from their company stock, also confirming my payoff. They called it a " confirmation certificate '. In XX/XX/XXXX, I sold my XXXX XXXX membership to a different timeshare company. I filled out the proper documentation for the " owner transfer '' with my new company. The following year, XXXX I get a statement that my yearly maintenance fee had been applied to my account with XXXX XXXX. I immediately contacted both XXXX XXXX and my new timeshare company ; The new membership company stated that they had followed the proper process of transfer. XXXX XXXX stated they never received any documentation from them. XXXX XXXX then sent me documentation to fill out and explain what had happened and to close the account. I filled out and sent it back to them. A few months later I started to receive phone calls from XXXX XXXX stating I was late in paying my maintenance fees. I again explained the situation, sent the copies of the documents I had previously sent. I didn't hear anything back from them for years. Up until I recently, XX/XX/XXXX, checked my credit report and saw a report from XXXX XXXX XXXX XXXX and found that it was from XXXX XXXX XXXX. The amount that they report is nothing more than the fees they applied. Nothing to do with my loan obligation. I satisfied my loan obligations with XXXX XXXX XXXX. It's unfortunate that both companies didn't do their due diligence and follow through with closing/transfer of the account and now I am the one being affected negatively with this information on my credit reports. Also, just a quick observation, I wouldn't have been able to sell my timeshare to my new timeshare company if it wasn't paid in full by me.
09/25/2020 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • ID
  • 83301
Web
This timeshare was purchased in XX/XX/2018after my husband and I attended a presentation while on vacation. There was quite some pressure to make this purchase as the associates there were VERY persistent. On top of all the alcohol they kept encouraging us to drink. We were on vacation so obviously we obliged to a little fun. We have literally never used the timeshare and we are just incurring too much debt with the maintenance fees. The presentation was a bit of a mess due to the fact they were talking so fast and they kept bouncing around from topic to topic. Now I can see they just wanted a signature for their contract but back then I was being sold a " dream. ' We were fed many lies and a lot of empty promises were made. None of which we have seen in action. And after a few drinks, well, here we are. I felt we were taken advantage of due that we were a little older and celebrating our retirement. Immediately, after the purchase we were forced to submit to financial hardship due to the pressure from the associates who conned us. Numerous times we tried to contact them for a cancellation and numerous times we got the run around. That is when Meridian came into play. They contacted us saying we owed them money, which came to a surprise to both of us as neither one of us ever agreed or signed off on any documentation for assistance from Meridian. We have asked them to cease all communication but they are also a persistent group and attempt to collect the debt consistently and it is now showing up on our credit reports. For me personally, this comes off as predatory lending and simply an opportunity to take advantage of a more mature couple. We can no longer take the constant phone calls harassing us for payments.
01/18/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 106XX
Web
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
04/08/2020 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Attempted to collect wrong amount
  • OH
  • 43017
Web Older American
I want to start by stating that I am a elder veteran who is being taken advantage of and pressured into paying for an account. Furthermore, Meridian financial services is ruining my credit rating and affecting my ability to obtain credit. They took an account which they state is " one account '' in the correspondence they sent me and broke the account into 4 separate accounts on my credit reports. When I asked the credit bureaus and the collection agency to validate every account reported they are saying it is accurate. Actually, XXXX even has them listed as an ATTORNEY which I believe is actually against the law to my understanding. Initially, I received a letter from Meridian Financial Services dated XXXX XXXX which stated I owed them {$7900.00}. More recently I received one stating {$6100.00}? First off, I never signed a contract with this organization and have since requested where in the original contract with the creditor did it state I would need to work or communicate with this collection agency. Furthermore, I received notification from the original creditor that the mortgage was satisfied and paid in full yet, this collection agency is reporting over $ 6k in separate payments ( which I have attached all of this documentation ). On just my XXXX alone ( which has them listed as an attorney ) there are accounts in the amount of {$640.00}, {$2200.00}, $ {$2200.00}, {$890.00}. How can this even be the case when the mortgage was paid/satisfied and somehow they say I still owe them money for 1 account yet there are four accounts? I am confident I am being taking advantage of and they are trying to steal money from me even during this pandemic.
02/03/2022 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • TX
  • 76148
Web
My husband and I initially signed the timeshare agreement with XXXX XXXX on XX/XX/XXXX. The representatives had my husband and I sit down for 3 hours to sell us a travel club. Refusing every no that we told them, they kept coming at us with affordable options and bringing in their boss to ensure they made the deal. We were the last couple in there and we could feel them rushing us through the process because they wanted to go home. One of the tactics they used to convince us was that if we kept up with maintenance fees, we could let someone use the condo in our place to receive more points and that we could use our points with our friends and family. We initially only wanted the point system. We have never used or seen the condo at all since we purchased the timeshare. What hit home was when my husband passed away in XXXX. Our income is now less than it was before. When I contacted the resort to rid myself of this condo problem, I ended up being charged two monthly fees instead of one. I have sent many letters, emails, and phone calls explaining that since my husbands passing, my current financial circumstances are no longer enough for me to be able to keep this contract. Yet, they continue to be persistent in keeping me chained to them. I am disappointed in how cold-hearted this company is and how they have treated me. All I am asking for is for an amicable release from this contract to relieve me from this heartache once and for all. Them placing our account with Meridian Collections iterated that they do not value us. We have no interest in working with Meridian and need this matter resolved directly through the resort.
04/07/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CT
  • 06095
Web Servicemember
In XXXX I got XXXX timeshares with XXXX XXXX, I became unable to maintain this account and got notice that the properties was going to beforeclosed. And that I had a chance to surrender it, so in XXXX I surrendered the properties back to the resort. Since then I have fought to remove this off my credit report its 10 years later. The originator collector was XXXX and over time they have given this account to different collections agencies and saying that it originated in what ever year it is which is not true so right now it is with Meridian and I have disputed this over and over. Please help me remove this problem, I have all email correspondence from XXXX. Each listing is thousands, how is it if you surrendered it back to the resort years ago that you still are fighting years ago. XXXX XXXX XXXX Last reported XX/XX/XXXX {$2900.00} Open balance XXXX XXXX XXXX XXXX XXXX I Original creditor XXXX Opened XX/XX/XXXX ( 3 yrs, 7 mos ) MERIDIAN FINANCIAL SERVI Last reported XX/XX/XXXX {$2500.00} Open balance XXXX XXXX XXXX XXXX XXXX I Original creditor XXXX Opened XX/XX/XXXX ( 2 yrs, 6 mos ) MERIDIAN FINANCIAL SERVI Last reported XX/XX/XXXX {$2100.00} Open balance XXXX XXXX XXXX XXXX XXXX I Original creditor XXXX Opened XX/XX/XXXX ( 1 yrs, 5 mos ) MERIDIAN FINANCIAL SERVI Last reported XX/XX/XXXX {$1800.00} Open balance XXXX XXXX XXXX XXXX XXXX I Original creditor XXXX Opened XX/XX/XXXX ( 1 yrs, 0 mos ) MERIDIAN FINANCIAL SERVI Last reported XX/XX/XXXX {$1800.00} Open I only had two timeshares that were surrendered back in XXXX and this is what they keep doing these accounts were originated in XXXX obtained.
04/24/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NY
  • 11204
Web
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.
09/12/2016 Yes
  • Debt collection
  • I do not know
  • Improper contact or sharing of info
  • Contacted me after I asked not to
  • WA
  • 98607
Web
I started receiving numerous " Restricted '' phone calls from a XXXX XXXX. He asked for information on whether someone would be available at an address they had on file so that the person they had on file may personally receive and sign for a document. I asked for more information and he would not provide any details so I hung up the phone. XXXX called back, I answered and told him that if he did n't have any additional information, that I was n't going to provide any additional information and I hung up. XXXX called again, this time I told him that if he wanted to communicate with this person that they could communicate only by mail. He said they could n't send this by mail, it had to be hand delivered. I said if this was collection related, by law they had to abide by the Fair Debt Collection Practices Act and I requested all validation of any debt be mailed to the address they had on file and to never call this number again. He then said that he was going to call me however many times he felt like calling. I hung up the phone. He called again and I recorded the conversation. This time, he proceeded to include information about a phone number and a case number I could call to retrieve more information and he hung up. Not sure why I need to call a number to retrieve more information after he harassed me with XXXX phone calls. Less than a week later, another restricted number starts calling me non-stop for 15 minutes. I finally called the number he provided and asked for them to identify the company I was calling, he said it was the filing department for Meridian Financial.
03/06/2020 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • MI
  • 48390
Web Older American
I am submitting this complaint against Meridian Financial Collection Services for violation of the Fair Credit Reporting Act and the Fair Debt Collection Act by not responding to the request I made to provide information documenting this debt. Meridan Financial then reported this debt to the XXXX Credit Bureau without responding to my request for documentation which is in violation of the Fair Credit Reporting Act. This action has caused a great damage to my excellent credit standing that I have worked to achieve over many years. Never once providing requested documentation that I owe this debt. I do not owe this debt and will seek all legal remedies. They began their phone calls starting XX/XX/XXXX ( 15 calls ) and then sent letter for payment or a response. I responded to them by certified letter on XX/XX/XXXX within the 30 days time allowed and received a sign certified receipt dated XX/XX/XXXX. This letter was requesting requesting documentation with absolutely no response.I am a XXXX year old widow with only retirement and social security to support myself. This issue and the repeated phone calls by Meridan Financial has caused severe stress to both my physical and mental well being. I am asking for an investing of Meridan Financial who represents XXXX XXXX a XXXX XXXX violating the rights of an American citizen. I am not positive if it was Meridian Financial or XXXX XXXX but they called the city offices at XXXX XXXX MI where I am XXXX asking for information about me. Inappropriate and I believe not allowed under the collection laws.
02/06/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • NC
  • 27527
Web
I contacted XXXX about an account that was reporting the wrong open collection date. This account is with XXXX XXXX, XXXX XXXX. They initially reported my account to XXXX XXXX agency in XXXX after 4 years of reporting, it was then given to Meridian in XXXX. Meridian now reports the first open date of this collection account as XXXX. This is not the initial collection date of the account from XXXX XXXX, XXXX XXXX that was reported to XXXX originally XXXX. I called XXXX XX/XX/XXXX to verify the information and that it is correct and that Meridian received the account in XXXX. However, they did not carry forward the initial collection year date from XXXX XXXX, XXXX XXXX as XXXX, but reported it as XXXX which starts a new 7 year period of reporting. This account has already been reported for 4 years ( XXXX ) already with a credit reporting agency XXXX. I contacted Meridian and asked them to provide me with the first date this account was open and they continue to state that it was XXXX. I asked for specific information about the property and I could not get anything. I contacted XXXX and filed 3 disputes ( XX/XX/XXXX and XX/XX/XXXX ) to get this resolved. XXXX said that the information will remain the same each investigation took a matter of 24-48 hours. I do not know how the investigation was conducted. As part of my dispute, I provided XXXX with the credit report from XXXX that shows that this business initially reported this account to XXXX in XXXX, but the initial collection date of this account remains at XXXX.
04/27/2020 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Attempted to collect wrong amount
  • CA
  • 94501
Web
I would like to state that I have been contacting Meridian in an attempt to cease all communication and attempt to collect the debt they are claiming I owe. They have contacted me in an harassing manner ( I have attached the original request to cease communication ). Additionally they have claimed to be attorneys ( attached proof ) - which after doing my research I am able to confirm that is illegal, because of this I would like this organization to stop contacting me, reporting on my credit and demanding money from me especially since they can not follow the law. I had contacted all the credit reports to demand deletion especially since they are claiming they are attorneys and they validated this to be true? Additionally, I had requested proof of a signed written signature with both the original credit and the collection agency showing proof that I agreed to work with Meridian, XXXX or any of its affiliates. I have yet to receive any responses from them. They have threatened to affect my credit. I feel like I have been pressured and forced into paying for something that began by predatory lending and misrepresentation from the beginning. Now this company is refusing to respond to me and continues to validate the information as true even when I provide proof of their inaccurate information on my report. Furthermore, they are reporting a past due balance on an account that I never signed a contract with them for. I DEMAND PROOF OF AN ORIGINAL CONTRACT STATING I AGREED TO WORK WITH MERIDIAN OR XXXX XXXX SERVICES IMMEDIATELY
10/14/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NY
  • 11706
Web Older American, Servicemember
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
11/09/2018 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • MN
  • 566XX
Web Older American
Meridian Financial is trying to make me pay for a time share that I never purchased or want and Have never seen. They have put three different collection notices on my credit and continue to call and won't stop. I returned a false billing letter from them about 60 days previous after calling and speaking with a rep. from their firm explaining they must have the wrong party and I sent it back to them so stating via the US post office with a required signed return certified to them. They have since posted three different amounts for collection all on the same day XX/XX/2018. to our/my credit, the amounts are {$930.00}, {$880.00}, and {$810.00} are the amounts on my credit for collection currently. This is all false as I informed them and that would be willing to defend myself in court if they so chose to do. My wife and I have no income other than our Social Security and can not afford more than what our cost of living, medical and food is now much less buy some kind of vac. thing anywhere. They were informed of our financial situation but seem to just ignore facts. Please help. My daughter checked this company out on the internet and found that they have a record of this kind of thing and many complaints filed on them. We have good credit because we do not spend what we don't have and I think that is why they used us, some how they have our name and address but we never have signed any thing or would do so. Thank you, XXXX XXXX
10/21/2020 Yes
  • Debt collection
  • Mortgage debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 93635
Web Older American
XX/XX/XXXX Dear CFPB I received a notice in the mail concerning a timeshare debt that I am being held accountable for. The timeshare in question was owned by XXXX XXXX XXXX XXXX, my ex-husband and me before we were divorced more than 32 years ago. Needless to say I was surprised if not shocked that he is now claiming that this piece of real estate is in my name, if he is claiming that. To make a long story short and simple, in our divorce settlement judgement in XXXX he paid me a lump sum, he kept all five properties, making himself the sole owner of all the properties. I am incensed, extremely upset, hurt and even after all these years in disbelief that I am being asked to pay a debt on property that was addressed in the divorce judgement documentation and I never had the pleasure of using. For the more than 32 years I have not lived in, visited, or been aware of. I am sure that the records will show that this the property of my ex-husband who is probably worth more than XXXX XXXX dollars, not a XXXX person ( myself ) who is living in subsidize housing and XXXX XXXX XXXX. Please review the information attachments that was sent to me, investigate, and then proceed to act based on findings. I assure you that the best chance you have ( we ) at finding the person who is truly responsible, and can pay, is my ex-husband for all fraudulent acts and damages against me. Sincerely, Ms. XXXX XXXX XXXX XXXX XXXX
07/17/2023 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • AZ
  • 857XX
Web
I am writing to formally complain against Meridian Financial Services for ignoring my repeated attempts to dispute a debt. On XX/XX/2004, we entered a timeshare contract with XXXX. Due to unforeseen circumstances, we could not maintain the financial obligations tied to this contract. As such, we started the process of canceling my membership with XXXX. During this period, the debt associated with my timeshare was passed onto Meridian Financial Services. Since then, we have made numerous written attempts to communicate with Meridian Financial Services to dispute the debt. Regrettably, all these attempts have been ignored by the company. The debt needs to be returned to XXXX, the original creditor, so I can continue the cancellation process. The lack of response and cooperation from Meridian Financial Services has created unnecessary complications and stress. We have been mistreated, and my rights as a consumer have been violated. This unresponsiveness is unprofessional and impedes my ability to resolve the situation. We request the intervention of the Consumer Financial Protection Bureau in this matter. With your assistance, we can rectify this situation and ensure that the debt is returned to XXXX so we can continue with the cancellation process. Thank you in advance for your time and attention to this matter. I look forward to your prompt response. Sincerely, XXXX and XXXX XXXX
01/09/2024 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30319
Web
I do not have a contract with MEDERIAN FINANCIAL SERVICES nor do I owe them any debt. I mailed in a proof of debt validation/proof as to how I owe them the alleged debt, Including the original contract and more, which they could not prove nor provide instead they avoided my request and updated it with the credit reporting agencies as verified without proof. I will not accept any billing statements or account summaries because those are not the correct requirements for proof of debt validation. No Proper documents including the original contract and how this debt exists were provided. MERIDIAN FINANCIAL does not have any legal license to collect in the state of Georgia which they are illegally trying to do, as well as trying to extort me for an extension of credit, which they brought elsewhere. They are also using my non-public information without my consent and authorization fraudulently reporting false I nformation. This collection agency has violated my rights as a consumer and needs to be held accountable. I do not know how much they bought the debt for nor is it my responsibility. Meridian Financial Services made their own decision and I will not allow them to profit from me through their illegal activities. I want to account to be deleted from my consumer file because its causing a lot of financial trouble including denial of credit.
04/24/2023 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • MN
  • 559XX
Web
Debt from our timeshare company, XXXX XXXX XXXX XXXX, was sent to Meridian to collect. We sent a cease and desist to them and they confirmed receipt of it ( confirmed by XXXX on XX/XX/2023 ), but they kept attacking our credit. We reached out to them again on XX/XX/2023 to see if a settlement option was available to stop collections and close our account with XXXX XXXX XXXX XXXXXXXX. At that time, we spoke with XXXX again, they informed us the settlement amount would be {$12000.00} and a letter was sent by XXXX, our account manager, confirming that amount. We followed up on XX/XX/2023 and spoke with XXXX, who informed us the lowest settlement they would offer is $ XXXXWe requested this be emailed to us and she stated it would have to be sent via postal mail since we did not lift our cease and desist and only authorized. Well, at no point did we lift our cease and desist ( we wanted a reasonable settlement amount before opening communication with them ), but XXXX has incessantly called XXXX and myself since. This is a violation of the cease and desist we sent, and frankly, we do not want any dealings with Meridian as they can not assist us and we never agreed to work with them. We need to resolve this matter with XXXX XXXX XXXX XXXX directly, especially if the settlement amount can not be lowered to our request of {$2500.00}.
03/05/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 95076
Web
For several years a collection company named Meridian Financial Services has been posting a changing debt on my credit report an though trying to dispute it i have always failed. The amount changes regularly between XXXX and XXXX and i have never received any information. It is supposed to be a bulling by a timeshare company in California. More than 16 years ago my friend XXXX XXXX purchased a timeshare week with XXXX XXXX XXXX but returned it within the first 30 days, so he told me. He never received any title or ownership and he has never been billed for any maintenance in all these years. Some years ago Meridian FS starting posting collection debts on my credit report, first there were 3 or 4 and then just one for the last 2 years. These collection amounts go up or down over a year without any explanation as to why. I have never received any ownership from the XXXX XXXX XXXX nor any billing of any kind. I do not own anything with XXXX XXXX XXXX and they are not entitled to bill me for any maintenance for something neither XXXX not I has ever owned from that outfit. Meridian is totally unresponsive and i guess is part of some scheme to pressure me to give them money. This situation has been going on for many years that i can remember, maybe nine or 10 years already, not sure how many years. Please help, thank you
08/17/2021 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • KY
  • 40356
Web
Around XXXX I purchased a timeshare at XXXX XXXX XXXX XXXX XXXX XXXX owned/managed by XXXX XXXX. In or around XXXX I was in financial ruins and unable to pay maintenance fees for this timeshare. Sometime following that I do not have any idea exactly, approx XXXX, I received notice of default on my timeshare and it would be reacquired if I did not pay the past due maintenance fees. That was the last time I had any contact regarding this matter. In XXXX this year I received a letter demanding {$2800.00} for unpaid maintenance fees from XXXX XXXX. I immediately called on XX/XX/XXXX at XXXX XXXX and spoke to person there and explained my position on the claim fees due. He did confirm where he saw that there was some docs related to XXXX reacquiring my timeshare week. I was told the company had been taken over and records were incomplete, they would have someone call me. Never happened then I receive notice from a collection agency Meridian Financial demanding payment. I contacted the collection and again explained I was under the impression I was not the owner anymore and have not been for years. Then around the second of XXXX it was reported as not one balance but as 6 different entries with the same dates. I also informed collection agency I had retained an attorney to dispute and gave them his name and phone number
06/15/2018 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • NV
  • 89183
Web
The actions against me was taken by XXXX XXXX XXXX XXXX, who has now sold the debt to Meridian Financial Services for XXXX, and XXXX. This is a time share in XXXX, XXXX, that I have NEVER owned, NEVER used and has probably been sold to several people. The event was in summer of XX/XX/XXXX-XX/XX/XXXX ( approx. ) I cancelled this account approx. within a few months due to unforeseen circumstances of me loosing my job and loosing my home. They ( XXXX XXXX XXXX XXXX ), is famously known in the time share world as a scam and a fraud. They will promise you the world and deliver nothing. As much as you try to speak to somebody to cancel, they ignore you and threaten to send you to collections if payment isn't done in full. I called and even went to an office in XXXX, Nevada, and they said they would cancel it ( this was in about XX/XX/XXXX ) and they ( XXXX XXXX XXXX XXXX ) has now has placed 2 collection accounts on my credit report, ( XX/XX/XXXX ). These prohibit me from being able to rent a home or an apartment, requiring me to have a cosigner. Both of the accounts placed on my credit report are the same people, same company for different amounts. Why different amounts? I am unsure.This also had me in a tight spot on purchasing a vehicle. I need to know how I can correct this, and have it removed from my credit report.
01/17/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 106XX
Web
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.
03/20/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 30038
Web
This letter is to dispute collection items listed on my credit report by Meridian Financial. I have been unable to access the online system because I do not have a report number. Fraudulent activity has resulted in unjustified collection accounts being placed on my credit report. I have reached out to the creditor, Meridian Financial, to dispute the information. After reaching out, I have received the attached communications from creditor Meridian Financial. Someone has clearly forged my name to acquire a TimeShare. I have never signed up for a TimeShare or had any affiliation with the creditor XXXX XXXX XXXX XXXX XXXX. My signature or " proof of identification '' is not present in the communications. My name and a former address is printed on page 2 of a QuitClaim Deed. This was not printed by me. The creditor also sent an attachment of tax payments dating back to 1997 for the TimeShare Property. I have never paid any taxes towards any property as I have never owned any property. As a result, I have placed a fraud alert on my credit reports. It would seem that the creditor should have to supply actual proof of identification for something of this matter. There is no way the company has any legitimate identification from me. Please assist in this matter.
12/23/2020 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • OH
  • 44094
Web
In XXXX of 2015, I went to a presentation about a XXXX in XXXX XXXX. I was told that I had an allotted amount of days to cancel the contract. After discussions with my family, I wrote a letter and cancelled the contract within 3 days. Later in the year, I receive a bill from Meridian Financial Company for account XXXX. I contacted the company and stated I had sent a letter within the allotted period to cancel the contact. I was told there was a letter but it was not received within the allotted time. I refused to pay because I sent the letter certified mail and I knew the company had received the letter within the allotted time. In XXXX of the same year I received a bill from Meridan Financial Company for account XXXX. This {$980.00} bill was for the yearly maintenance fees for the above account. I had cancelled the original contract which included the maintenance fees. I contacted the company again. I was told again that the letter was not received within the allotted time. Account XXXX is showing as a charge off on my credit report for {$7100.00}. I would like both of the charges to be taken off my credit report because I followed the guideline and Meridian Financial did not. Even after acknowledging they had received my cancellation letter.
07/12/2023 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • NC
  • 275XX
Web Older American
FOR THE LAST XXXX YEARS I HAVE RECEIVED A BILL FROM MERIDIAN FINANCIAL SERVICE A COLLECTION COMPANY WITH A DEMAND FOR PAYMENT IN THE THOUSANDS. I HAD TO PAY THE BILL IN XXXX BEAUSE THEY SENT THE BILL TO THE CREDIT REPORTING AGENCY WHICH LOWER MY CREDIT SCORE. EACH MONTH XXXX DOLLARS WAS ADDED WHEN I DID NOT PAY. THIS YEAR THE BILL HAS CHARGES FOR LATE FEES {$930.00}, AND AS OF XX/XX/XXXX I OWE XXXX. HOWEVER, DURING THE YEAR, I HAVE NOT RECEIVED ONE BILL. THE COMPANY IS XXXX XXXX XXXX XXXX. SINCE A BILL WAS NOT SENT TO MY ADDRESS. I AM ASSUMING THAT THIS COMPANY IS HOLDING THE BILL SO THAT IT CAN ACCUMULATE LATE FEES AND OTHER CHARGES. I HAVE XXXX BILLS THAT I PAY MONTHLY AND THEY ARE PAID100 % ON TIME. AS IS NORMAL, I GET A STATEMENT EACH MONTH FROM THESE COMPANIES TELLING ME HOW MUCH I OWE AND WHEN IT IS DUE. WHEN I RECEIVED THIS COLLECTION LETTER THIS MONTH, I CONTACTED THE COLLECTION FOR INFORMATION ABOUT WHY I DID NOT RECEIVE A MONTHLY BILL AND I HAVE NOT RECEIVED AN ANSWER FROM THEM. SO IF A BILL IS OWED, LEGALLY, A MONTHLY STATEMENT MUST BE SENT OUT TO THE CUSTOMER. I HAVE NEVER IN THE XXXX YEARS RECEIVED A MONTHLY BILL FROM THIS BUSINESS. I WANT A DETAILED BILL FROM THE XXXX XXXX XXXX XXXX.
07/29/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Right to dispute notice not received
  • TX
  • 762XX
Web
Meridian financial placed me in for collection without notifying me. My credit score went from a XXXX to XXXX. I was n't given an opportunity to discuss and or pay a debt that was 5 yrs. old prior to them killing my credit. I contacted the time share and solved the problem in a 20 minute phone call. When I called them Meridian to tell them that this was a misunderstanding and the debt was paid, ( without there help ) and that I would appreciate them clearing my name I was told and lied to about how they spoke with my husband ( XX/XX/XXXX ) ..who died in XX/XX/XXXX. And how they sent numerous letters to an address I never lived at. And how this will be staying on my credit report for 7 years!!! I think it is unfair for a company to have so much power that they are able to wipe a persons credit out with the stroke of the keyboard. I am asking that this mistake does n't wipe out 40 years of exemplorary credit! My credit is who I am and it means the world to me. As a widow I would not have been able to provide for my children. Now as an XXXX adult I must maintain great credit to survive. Thanks!!
01/30/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • NJ
  • 07024
Web
While staying at the hotel XXXX XXXX XXXX in XXXX in XXXX of XXXX, I was approached by a sales rep. for a company called XXXX XXXX XXXX ( XXXX XXXX, XXXX XXXX. They invited us to a complimentary brunch to show us the benefits of becoming a member. In my desire to travel more with my wife for a discounted rate, we joined based on the claim that a stay at their hotels around the XXXX and XXXX would be at discounts up to 40 % of prices on other websites like XXXX. I quickly found out after returning to the XXXX that the XXXX website showed no discounts and were in fact more expensive than other travel websites. In XXXX XXXX, I submitted a signed letter requesting a cancellation as per their required documentation and only received an email back saying " Your request is being reviewed. '' All of my requests to confirm my cancellation were ignored. In XXXX XXXX, I received a letter from a collection agency stating that I owed the balance of my membership. XXXX, a company based in XXXX, is using XXXX collection agencies to unjustly force Americans to pay for a service they did not provide.
05/29/2020 No
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • IL
  • 606XX
Web
The same day our meeting with XXXX XXXX in XXXX XXXX we were informed, XXXX XXXX was a scam and to cancel immediately. I contacted an attorney and the XXXX XXXX XXXX in XXXX XXXX that same day of our meeting and was told I had 24 hours to cancel and how to cancel which I did. Enclosed you will find copies of the paperwork, which was notarized, stating we canceled this purchased within 24 hours of the transaction, and I personally gave to XXXX XXXX XXXX XXXX XXXX, the very next morning, less than 24 hours. They accepted the paperwork. However, they also did not refund our money back. We had paid them {$8000.00} cash. When I received a call from a collection agency, I explained ( like Im doing now ) what had happened. They told me I had done everything properly and they would not contact me anymore, which they did not. Now were trying to qualify for a mortgage, but this popped up and so did my XXXX XXXX. We had been scammed. It was placed on our credit XX/XX/2015. Its bad enough we lost {$8000.00}, but our credit too? I've included attachments showing proof of our cancellation.
02/22/2021 Yes
  • Debt collection
  • Mortgage debt
  • Took or threatened to take negative or legal action
  • Sued you in a state where you do not live or did not sign for the debt
  • AL
  • 350XX
Web
My deceased father owned a time-share in Florida ( XXXX XXXX XXXX XXXX ). Somehow upon his death, the XXXX XXXX XXXX @ XXXX XXXX Country Club/ ( XXXX ) have began billing me for some type of costs or other fees related. I am not at all involved, nor was I ever, in any type contractual agreement with the company. I have never visited the property nor stayed there, ever. I have applied for a mortgage recently. I only have 3 negative reporting items on my credit - All 3 are from this company who refuses to talk to me after hours and hours of trying to reach them. I always get shuffled around before I am hung up on. It's costing me ( eternal ) $ $ in my rate-lock and time off my job trying to earnestly resolve. Although after months I still have been unsuccessful in speaking to anyone that seems to care. Now the bogus debt is being reported by Meridian Financial, a collection agency who now seems to holding a bogus debt and is reporting 3 separate items - 2 quite large, for something I am totally un-obligated for.
07/01/2015 No
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • CA
  • 90804
Web Servicemember
It 's for a time share annual dues. The time share gave the debt because I forgot to pay back in XXXX when my credit card was stolen, which I reported. When IO finally got a reminder letter it had already been sent to collections around XXXX. Meridian Financial is the company collecting. The original debt was for about {$680.00}, Meridian wants me to pay {$1100.00}. The same person calls me, during working hours which I have asked him not to call during those times, and he states that he can not call me any other time to work out a payment plan or settlement. When I aske him not to call me during working hours he argues with me, that I should be able to take personal calls at work, and asked why I answered. I answered so that I could let him know that i need a call back after XXXX I believe my rights are being violated on XXXX fronts, I believe I 'm being overcharged for this {$680.00} debt, and calling during working hours, and harassing me at work. I have phone records for verification upon request.
07/18/2018 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • CO
  • 809XX
Web
I received a letter on XX/XX/XXXX from Meridian Financial Services, a collection agency demanding a debt to be paid in a total of {$16000.00}, which was owed in XXXX from the original company XXXX XXXX XXXX XXXX XXXX XXXX in Florida, which I don't remember that I ever purchased the time share membership. Meridian Financial Services has filed a lien with my credit bureau for such amount. I has filed the dispute with Meridian Financial Services that I do not owed this money and asked the company to remove the lien from my credit but they refused. I am also curious if the debt owed in XXXX that has reached the Statue of Limitation law ( assuming if this debt does belong to me ), does the collection agency violated the FDCPA and Statue of Limitations laws? At this point, I'm contacting a local attorney who is specializing in FDCPA law to take care of this, but I don't really like that I have to pay for the attorney fee for debt that I do not owed. Any comments or suggestions are greatly appreciated.
12/14/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 93030
Web
The following company Meridian Financial Sercives, is acting as the reresentitive for a XXXX company called XXXX/XXXX and has placed a debt collection notification on two of the 3 American credit reporting agencies. It is illigal to do so, the company they are representing never provided good nor services for what they are charging. Also, it is outside the United States and does not have my Social security number. There are two accounts showing on the XXXX and XXXX XXXX credit reports. These are the following accounts, indicating initial dates, account, amounts that were never borrowed. XXXX/XXXX is not an american company and has no jurisdiction in the united states. It is a XXXX Resort company that cons and deceives travelers promising goods and services that never pan out. First reported: XX/XX/2019 Amount:$XXXX Meridian Financial Services XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX First reported: XX/XX/2019 Amount:$XXXX Meridian Financial Services XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX
09/10/2018 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • TN
  • 38138
Web
I received a bill from Meridian Financial services for a timeshare owned by my ex-wife and I. In the divorce decree It states we are both responsible for half of the fees until it can be deeded back. The bill was for {$1000.00} and was received on XX/XX/18 and XX/XX/18, I paid my half, {$500.00} on XX/XX/18 after consulting with my attorney and included a copy of the divorce papers as proof along with a letter stating our business is concluded. I also stated that the other half of the debt is my ex-wifes responsibility and to contact her to get it, all by mail. On XX/XX/18 I get an email notification from my credit reporting agency that a debt with the high balance of {$720.00} was listed on my credit report and {$500.00} balance left over by Meridian Financial services. That's a difference of XXXX. Not only is Meridian wrong on the amount I owed they are also wrong in the amount I've paid them. It's interesting to me that the amount I supposedly owe equals the other half of the total debt.
09/08/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • CA
  • 92084
Web
Meridian Financial Services ( XXXX XXXX XXXX ) is a collection agency that is hired by XXXX XXXX XXXX. They are a subsidiary of XXXX XXXX. XXXX XXXX has joined XXXX XXXX yet XXXX XXXX is involved with assessing me penalties and fees. The balance is incorrect and the balance was been paid off on XX/XX/2019 through my XXXX Credit Card. Meridian never mailed me a statement until I was 3 months past done on my account. They refused to remove the remark. I have written a dispute to the three credit bureaus but it takes time and there are no guarantees. I want this company to be held accountable and I should not have to pay for the {$240.00} of penalties and late charges they are charging me. I would like further reimbursement for those charges. The correct mailing address is on my original contract or trust deed for my contract, yet both XXXX XXXX and Meridian Financial failed to mail my statement there until after I was three months delinquent and this has impacted my credit.
07/20/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • CA
  • 90059
Web
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
05/25/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CA
  • 91342
Web
Received notice via mail in XXXXXXXX XXXX. Due date for debt was XX/XX/XXXX. I made payment on XX/XX/XXXX in the total amount of the debt, system processed it twice due to me hitting refresh. I contacted them via phone on XX/XX/XXXX, spoke to my collections agent, XXXX XXXX. Notified her of the double payment, she notified me that the refund was already processed and should be in my bank account within a normal refund processing period. I waited until XX/XX/XXXX to receive the refund. It was not refunded and in my bank account so I contacted the agent again to ask on the status of my refund. She said she would need to speak to accounting and that she would return my call as soon as she had an update from accounting. I sent an email with a screenshot from my bank account statement showing the double payment. As of writing this on XX/XX/XXXX, I have yet to receive a refund or a call back from the collections agency with an update on the status of my refund.
12/01/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • VA
  • 22401
Web
XX/XX/XXXX I received a notice from Meridian Financial regarding a delinquency on XXXX XXXX XXXX maintenance fees without ever getting request for payment from XXXX XXXX. Please see below. Timeline : This property was conveyed ( through divorce inXX/XX/XXXX) to XXXX XXXX XXXX. Since that date, I ( XXXX XXXX ) had not received any requests for payment of said Maintenance Fees ; therefore, I assumed XXXX XXXX was making payment. XXXX XXXX filed bankruptcy inXX/XX/XXXX; whereby this property was includedXX/XX/XXXX i provided copy of divorce decree to Meridian. They in turn indicated that XXXX XXXX had not filed an updated Deed of Trust, removing me from the property.XX/XX/XXXXI obtained counsel and an updated Deed of Trust was filed in XXXX County. Copy was provided to Meridian onXX/XX/XXXX. XX/XX/XXXX Meridian letter received stating XXXX XXXX had accepted the transfer of ownership, but was still holding me accountable for prior Maintenance Fees.
09/23/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 77379
Web
In accordance with the fair credit reporting act : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B A creditor may treat my payment on a credit card account under an open consumer credit as late for any purpose.
06/29/2020 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • FL
  • 330XX
Web
I received a collection letter from Meridian Financial Services of XXXX, NC on XX/XX/2020 claiming I owe XXXX XXXX {$1300.00} for annual maintenance fees. The current balance due stated includes an additional {$450.00}. I responded with a certified mail letter on XX/XX/2020 stating my notice of dispute and request for debt validation where I listed items I required for further consideration. During this time, Meridian continued phoning me to collect the disputed debt. They replied by forwarding a copy of a deed and an unverified statement of my account. Neither document addressed the validity of the debt nor their authority to collect. I sent a second request for validation of the debt certified mail on XX/XX/2020. They responded by forwarding the same 2 documents. they fail to provide me with minimal proof that they are authorized to collect or add unitemized charges to the original balance. To date, their calls and letters continue.
07/22/2015 No
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • DC
  • XXXXX
Web Older American, Servicemember
For the past few months, I have gotten phone calls and at least XXXX letters ( dated XXXX XXXX 2015 and XXXX XXXX 2015 ) from an outfit called Meridian Financial Services , Inc., XXXX XXXX XXXX, XXXX XXXX, XXXX, NC XXXX, phone numbers : XXXX XXXX. It turns out that this is a Timeshare company and they claim I owe them {$600.00}. I do n't owe these people anything. I 've never owned a timeshare and never will. They 've called me at home after XXXX and they 've called me early in the morning. I 've told these knuckle-heads that I do not own a timeshare and to take me off their calling list. And each time they say that they have removed me, but a few days later, I get another letter or call. The last time I talked to someone named XXXX and I also talked to the someone who claims to be the Account Manager : XXXX XXXX. I was not very nice to them and I demanded that they stop writing and calling me. I 've had it with these clowns.
10/10/2017 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Frequent or repeated calls
  • VA
  • 24073
Web
Meridian Financial Services , Inc. continuously calls and leaves messages on my cell phone which appear to be in some foreign language, as I am not able to understand any of the messages. Additionally, they are sending letters addressed to my ex-husband, who does not live at this address, and has never lived at my address. I have written a letter explaining that my address is not his address to no avail. I have returned 4 letters stating the addressee does not reside at this address. However, this company continues to harass me with these calls and letters addressed to my ex-husband. Additionally, this company has placed 7 collection items on my credit report for timeshare fees to a timeshare that I do not have possession of, access to, or deed for the property. This timeshare unit is in the sole possession of my ex-husband, and he holds the deed to this unit. Additionally, the fees appear to be in excess of 12 years old.
05/05/2020 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • IN
  • 464XX
Web
My grandparents bought a timeshare from XXXX XXXX many decades ago. They let me use it a couple of times. When they died, it was bequested to me. I never accepted it, I never executed any documents, I never received any disclosures. I started receiving maintenance bills - which I paid for awhile as a young person because I didn't know any better. Ultimately, I could not afford to pay them and contested. XXXX XXXX claimed I was responsible because the timeshare was willed to me and I paid several bills. I disagreed but could not afford a lawyer to contest. Since that time, they continue to bill me then send the unpaid bill to Meridan Financial, which places me in collections every year and reports to credit bureaus. I have been turned down for loans and mortgages due to this negative reporting. I have contested with all three credit bureaus but they have not removed the reports, which accumulate on an annual basis.
04/03/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was paid
  • NE
  • 681XX
Web
This company XXXX XXXX XXXX phone number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nc XXXX and XXXX XXXX XXXX XXXX XXXX XXXX selling us a vacation package in which they withdraw XXXX from my credit card, selling XXXX nights of vacation and they give us a free week vacation if we pay the half of the vacation but when we call for use the free week or starts using some of the night they ask for more money and start to give us different roads and I'm cancel everything they say they take the XXXX to cover all the expenses and the will give us some free night again to compensate for the money they don't want to give back they ask for, more money so they can close the account and don't ask for any free night anymore I'm ok they can keep the XXXX plus extras I try to comply so they still came to ask for more money need help, please I got emails in Spanish prove all the conversation I got with them
07/24/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NJ
  • 08109
Web
We sold our timeshare from XXXX XXXX in Virginia to XXXX XXXX XXXX in 2011. As s pecified in the agreement of sale, XXXX assumed all previous, current, and future debts. Apparently, there is some claim by XXXX XXXX that we owe them money. Despite repeatedly sending documentation to XXXX XXXX that they should contact XXXX , we have been hounded ever since 2011. We were reported to the credit agencies, and we were able to prove to them that we do not owe this debt. Our credit was restored and the debt was removed from our credit reports. XXXX XXXX , at some point, sold this debt t o Meridian Financial ser vices. We have sent them documentation, on multiple occasions, that we do not owe this debt. We are called at all hours, all days of the week, multiple times per week. They will not leave us alone. I would appreciate any assistance that you can give us.
09/14/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • CA
  • XXXXX
Web Older American
Out of the blue Meridian Financial SVC, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, sent me a notice dated XXXX XXXX, 2015 about a claim of {$700.00} that was assigned to Meridian as collection agency ; no proof of a claim was provided ; we needed to respond in 30 days. In a registered letter of XXXX XXXX, 2015, I informed Meridian that we owned a timeshare at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX which we disposed off ten years ago ( XXXX XXXX, 2005 XXXX, and that we disputed that we owed XXXX XXXX any debts. Without sending me proof of this alleged claim, Meridian Financial sent me another letter that I did not dispute the claim (? ) ; I replied on XXXX XXXX that I did dispute the claim and that they needed to stop harassing me or provide proof of any debt owed. Today I was informed that Meridian put on my otherwise XXXX credit report a negative Collection Agency claim of {$700.00}.
12/14/2020 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • DE
  • 19977
Web
Meridian Financial Services mailed me a notice stating that I owed owed the amount of {$940.00} to XXXX XXXX XXXX XXXX. The notice was dated XX/XX/2020 and stated that I had 30 days to respond and dispute the validity of the debt, or a judgement would be entered against me and daily charges would occur. I mailed a response on XX/XX/XXXX stating that I disputed the validity of the debt. I then received another notice from Meridian Financial which was dated XX/XX/XXXX within the 30 day timeframe allowed for my response, stating that they intended to proceed with actions against me. The amount due had been increased to {$950.00} without ever waiting for a response. The debt was then subsequently reported to the credit bureaus and having an otherwise perfect payment history, dropped my credit score from XXXX to XXXX with no further response to my dispute.
01/09/2024 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30319
Web
I do not have a contract with MEDERIAN FINANCIAL SERVICES nor do I owe them any debt. ON XX/XX/XXXX I sent in a proof of debt validation/proof as to how I owe them the alleged debt, Including the original contract and more, which they could not prove instead they avoided my request and updated it with the credit reporting agencies as verified yet they have no proof, I will not accept any billing statements or account summaries because those are not correct requirements for proof of debt validation. MEDERIAN FINANCIAL SERVICES does not have any legal license to collect in the state of Georgia which they are illegally trying to do, as well as trying to extort me for an extension of credit that has nothing to do with me. They are also using my non-public information without my consent and authorization fraudulently reporting false Information.
01/10/2021 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • NJ
  • 078XX
Web
Meridian Financial Services. Notice received the week of XXXX XXXX, Responded back to the company by letter which was mailed priority mail, Company failed to respond back within the allotted time frame, Per the Fair Credit Reporting Act. At this time I am requesting the appropriate action take place. The letter was received by Meridian per my USPS tracking number on XX/XX/2020. This company has been reported as a Scam and many people have also lost money. Company has changed there name more than once. I would like this reported and amount removed from Collections from XXXX XXXX. If you need to reach me regarding additional documents. Feel free to contact my wife XXXX XXXX via email : XXXX or by phone at XXXX. The name of the Company in collections for is XX/XX/XXXX XXXXXX/XX/XXXXXXXX Also know as XX/XX/XXXX. Thanks in advance.
01/28/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NJ
  • 07106
Web
On XX/XX/2019 I sent a debt validation letter to Meridian Financial Services requesting any contractual agreement between me and their agency and to this date no proof of validation has been submitted to me as demanded. I have never done any business with this agency nor do I wish to do so. The alleged debt is in the amount of {$4800.00} which is a fraudulent charge. By law pursuant to 15 U.S.C. section 1681s-2 of the Fair Credit Reporting Act ( FCRA ), Meridian Financial Services has failed to validate this alleged debt. They have NO signed contract with my signature stating that I give them ANY permission to access my credit reports as pursuant to 15 U.S.C section 1681b. Meridian Financial Services is also in violation of 15 U.S.C section 1692c ( c ), after being notified to cease and desist all communication with us.
05/15/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 92532
Web Servicemember
Meridian Financial Services con tinues to put a collection account on my credit report. I have been successful in having the collection account removed, however this is th e 5th time they have erroneously reported this information on my credit report. I have spoke to the collection agency and explained to them that this debt was acquired by my dad who passed away in XXXX XXXX . The collection agency also knows this is not my debt because my dad purchased this timeshare in XXXX and I was only XXXX yea rs old. Also my name is XXXX XXXX XXXX and my fathers name is XXXX XXXX XXXX . My SSN starts with XXXX and my dad 's SSN starts with XXXX . I do not think this a case of mistaken identity, I think this is a case to harass me about a debt they can not collect from my father because he passed away.
12/06/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • FL
  • 33617
Web
We had an account for a Timeshare we had purchased. Which later went into default. But the company that was handling their debt collection, Meridian Financial Services filed a negative report on my credit for the debt 5 1/2 years ago, since that time, they have filed additional negative reports using different account numbers filed 3.5 years ago and again 1.5 years ago. I have tried to inform the credit bureaus, but every time they said they checked with Meridian Financial and they claimed it was accurate. But I only had 1 account, and now have 6 negatives from them for the same account, which they have used a different account number for each. And each month, they continue to report all 6 negative credit reports, And no one seems to be able to get this fraud by this company corrected.
02/16/2016 Yes
  • Debt collection
  • Mortgage
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • MA
  • 023XX
Web
This is the closest selection. This is a timeshare debt, specifically non payment of maintenance fees. Per Mass Gl 183B sec 29, the timeshare is subject to forfeiture for this non payment. However, it specifies a requirement of FORECLOSURE to recoup. use of debt collection agencies are not permitted per the law. Meridian Financial has been informed of this and continues to attempt to collect. additionally MASS GL183B states that additional charges ( such as subsequent maintenance fees or assessments ) can not be accrued once the 90 day limit of the first default has been reached. bot the timeshare company ( XXXX XXXX at XXXX ) and Meridian Financial have continued to add charges to the amount owed. Meridian had further indicted additional charges or interest XXXX be applied.
09/18/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • CA
  • XXXXX
Web
I was contacted by Meragon Fianancial regarding a debt to XXXX for annual maintenance fees. Since my time share is bi-annual, I do not believe that I owe this debt every year. I requested a copy of the contract to prove that the debt was valid on XXXX different occasions. Meragon Financial provided me with a copy of the deed and HOA but did not provide a copy of the contract to prove that the debt was owed every year versus every other year. I contacted XXXX XXXX of Meragon and he told me that XXXX does not have a copy of the contract and they do not have to prove I owe it. I explained that I am more than happy to pay this debt if I do owe however, I need a copy of the original contract to prove it is a valid debt. He refused saying that they did not need to prove anything.
11/11/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 92504
Web
I noticed a I did on my collections that was worth over {$7000.00} in I called and found out it was about a timeshare that I know nothing about I've never brought our own a timeshare never even attempted to I have no reason I don't know how or why they have my name and my social security number but I've never even attempted to buy a timeshare in my life I disputed it and you guys voted on their side when I don't understand how he have any proof are they have any proof when I never even attempted to ever buy a timeshare I've never even been to their resort motel or whatever it is I have no idea about a timeshare never have I have been a victim of identity theft I don't know if this has something to do with that but I've never bought a timeshare for sure
11/03/2021 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • MD
  • 20901
Web
We have been contacting XXXX XXXX for over a year about cancelling our contract with them. They used very deceptive tactics and the terms described to us in our contract with them havent been met. To add salt to the wound, they have sent our account to Meridian Collections. We never agreed to work with a collection agency and didnt know this was a possibility. This has severely impacted our credit and led to personal issues. We do not have the funds to pay XXXX or XXXX. My wife and I have had our hours reduced at work, so our income is a fraction of what it once was. This ordeal has led to us splitting, so were also managing our own household bills now. Meridian needs to cease their collection efforts and XXXX needs to cancel this horrid contract.
09/05/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NJ
  • 077XX
Web Older American
On XX/XX/XXXX I was charged for a service I did not receive. I immediately called the company and XXXX XXXX and XXXX. XXXX removed the charge but the company and XXXX XXXX did not. Recently I saw a collection on my report from Meridian Financial for this XXXX year old item. I called, faxed and emailed Meridian, XXXX and XXXX XXXX. Today I received a notice that my credit score decreased substantially due to a report on XX/XX/XXXX from Meridian that I am currently 5 months delinquent on a current debt which actually dates back to XXXX. For a company to purchase a debt and report it 7 years later is not in keeping with the Fair Credit Reporting Act. I request that all notices regarding this erroneous charge on my credit reports on be removed.
01/19/2023 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • OH
  • 45840
Web
Collection agency Meridian Financial Services XXXX NC reported a delinquent account XXXX on XX/XX/XXXX to XXXX This is a time barred debt. Last payment on this account was in XXXX. Meridian has furnished a re-aged account to the CA 's and is in violation of the FDCPA. The debt is not accurate and I have disputed the account with XXXX / XXXX but both CA 's and Meridian falsely certified on that their reporting is accurate. I have sent Meridian a letter disputing the account but they did not respond. I expect Meridian to provide validation documentation which must include an account or written contract or agreement and record of payments history. This is a violation of my FCRA rights. This debt reported to XXXX / XXXX should be removed.
06/23/2022 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • MD
  • 20706
Web Older American, Servicemember
Under the FDCPA, if a debt collector is attempting to collect on your debt, they need to do so according to the original signed contract. This contract refers to the one you signed with your original creditor. Meridian Financial Services , Inc. is attempting to collect a debt and has added fees in excess of 34 % ( {$320.00} ) of {$970.00} balance due on my maintenance fee for my time share at XXXX XXXX XXXX. The 34 % of additional fees that Meridian Financial Services , Inc., is attempting to collect is not allowed by the original signed contract # XXXX signed on XX/XX/2002. Number 4 in the contract stipulates that maintenance fees is payable during the schedule year of occupancy and does not stipulate a fee charge.
10/13/2019 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • WA
  • 98023
Web
We made numerous payments & then we let them know we can't afford this an we wasn't told we were getting into a financial matter as truly being responsible for a property we would never use or understood the structure I felt we spent over 1000s of dollars for us to have a amount {$3900.00} owed when they explained to us the property would be sold an wiped out for the price being sold after signed documents which we did. I was also only XXXX at the time in XXXX just walking down the street with my lady friend when we were pulled an told for a quick 15 minute video watch we could receive free stuff which is no problem but it seemed weird when we said we wasn't married an they told us to put we were.
05/23/2023 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • VA
  • XXXXX
Web Older American
It is also important that each financial institution, creditor or anyone providing information to the credit agencies only report information that is accurate, without prejudice or malice. I am the victim of a Collections Agency, Meridian Financial Service reporting false/incorrect information to the credit bureau as follows : Account Payment Status Collection/Charge off : Original Lender XXXX XXXX XXXX XXXX and the Highest Balance {$580.00}. This was totally false information. I disputed the matter and wrote a letter to XXXX XXXX general manager. Meridans actions were arbitrary and capricious and Meridian knew the information was false prior to submitting it. ( See attached letter )
04/08/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • AZ
  • XXXXX
Web Older American, Servicemember
I received a bill for {$4100.00} on a non-existent timeshare account on XX/XX/XXXX. I immediately sent it to my attorney. My attorney wrote to them asking for proof of debt. On XX/XX/XXXX, nearly a year later, they wrote back to my attorney, not with the requested information but showing a new balance of {$2800.00} and an offer to " settle '' for {$800.00} as a " gesture of good faith. '' I do not owe this debt and they are unable to prove I do owe anything. My attorney said that the fact they responded not with proof of debt but another " offer '' to settle is a violation of consumer protection law and subject to a {$1000.00} fine and inability to have them contact me again.
05/22/2023 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Frequent or repeated calls
  • FL
  • 32168
Web
I had purchased a resale timeshare at XXXX XXXX in XXXX Hawaii from their resale office. I was led to believe that when I was finished with the timeshare or just did not want it anymore that I could resell mine through the same office I purchased it from. In late XXXX I contacted XXXX XXXX in an effort to resell my timeshare. I was told the resell office no longer exists. I then told them they could have it back for free because I was no longer interested in the property. They said no thanks and that if I didn't pay, that they will be turning me over to collections. That they did. The collection company name is Meridian Financial and I guy named XXXX calls me every month.
11/01/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • AZ
  • 85283
Web
I spoke to Meridian financial services 3 times on the phone in XXXX and XXXX ( attached one screen shot from XX/XX/XXXX call ) and explained that they were contacting the wrong XXXX XXXX. I also sent them a letter on XX/XX/XXXX explaining they had the wrong person. They sent me a letter on XX/XX/XXXX, with the attached deed on some timeshare in Florida, which indicates a XXXX XXXX XXXX was on the deed, not XXXX XXXX XXXX. They obviously didn't read the deed since their letter was continuing to harass and try to collect debt from me. They never explained how they verify identity, or asked me to verify my identify ( i.e., last 4 of SSN, driver 's license, etc. ).
08/08/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Old information reappears or never goes away
  • GA
  • 302XX
Web
Meridian Financial listed 6 separate accounts as delinquent with different amounts. The accounts were very old when it showed up on my report with dates that are more current. This was for a timeshare from 15 years ago, XXXX XXXX XXXX. We were given misinformation and disputed this in XX/XX/XXXX with XXXX XXXX and then it shows up on my report in XX/XX/XXXX. I disputed but had no way to explain myself, so they removed 3 of the accounts but the other 3 remain and are increasing all the time. They received enough of my money for NOTHING in the 3 years that I did pay for this and they will get no more. I have never even stayed there for vacation since XX/XX/XXXX.
12/12/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Problem with personal statement of dispute
  • TX
  • 78040
Web
My credit report shows I have a loan account from Meridian Financial XXXX that was opened in XXXX of XXXX I have never engaged with this company nor authorized any loan with this entity. I submitted a dispute via XXXX twice asking to show me proof of my approval with this entity Both time I was just reported that the company assures that the account is real, and I have not been shown any proof. I asked to shown any documentation with my signature showing my authorization for this loan. Neither has been provided at any point after my dispute was filed. I would like written proof of when this account was created and my signature authorizing this account.
12/15/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Old information reappears or never goes away
  • CA
  • 91356
Web Older American
Collection agency Meridian Financial Services reported XXXX delinquent accounts for XXXX XXXX XXXX # XXXX, # XXXX and # XXXX ( XXXX separate accounts have the same account number ). These are time barred debts that are over XXXX years old that have been re-aged in violation of the FDCPA and reported as XX/XX/21 debts. The debts were not accurate originally and when XXXX dispute was made Meridian falsely certified on XXXX occasions that their reporting was accurate. In addition they have not responded with documentation requests in violation of my FCRA rights. These debts reported to XXXX should be removed as they are causing me financial harm.
07/04/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • MA
  • 018XX
Web
On XX/XX/2019 on my experian report, Meridian Financial Services reported two items placed for collections for {$3300.00} and {$1100.00} both of which are inaccurate. I have had no contact or communications with XXXX XXXX XXXX ( the original creditor ) dating back well over seven years from XX/XX/2019. To report delinquent information beyound the 7 year mark is beyond the statue of credit reporting. The information has negatively impacted my credit and is inaccurate and should not have been reported in XXXX. Additionally, statue of limitations is six years in MA. I would like to get this resolved and removed from my credit as being current.
03/11/2021 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • TX
  • 78382
Web Servicemember
Meridian Financial Services posted 4 collection notices on my credit for something I knew nothing about. I called them to get information and they could not give specifics. All I could find out was that it was about some timeshare from 20 years ago. Then they mailed me a letter after I gave them my address to say the claim is valid because it has not been disputed. I turned this over to my attorney and he sent them a registered letter disputing the claims. We havent heard anything since. Clearly I did not have the opportunity to dispute before they significantly affected my credit. I am filing a formal complaint in this matter.
03/07/2018 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • MD
  • 212XX
Web
Meridian Financial Services Inc refuses to issue out to me legal documents.So I can verify the debt and my signature.I am requesting a deed and legal documents pertaining to the acct # XXXX.I have spoke to a XXXX XXXX XXXX.The Account Mgr for this account.All they keep telling me is that they sent it out the infoI haven't received any info on the account.I am requesting that this account be removed from all 3 credit reports.I am requesting that this be sent back to the resort for fraud investigation.This isn't my time share.There is my debt.This is a grave violation of FDPA and the FCRA.Meridian is not trying to help me.
10/12/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MO
  • 64131
Web Servicemember
They used my information without my permission years ago an I didn't know it, this wasn't on my credit when I signed up with XXXX a year ago. When I looked at the collection it said it was assigned to an attorney, collection agency, or credit grantor 's internal collection department in XX/XX/XXXX for XXXX XXXX which I never signed up for an if I'm not mistaken Timeshares cost way more than {$700.00}. This is suppose to come off XXXX XXXX, it seems their trying to get money from anyone before this falls off! THIS DEBT IS NOT MINE, this should be removed from my credit report. Please & thank you an have a blessed day.
12/28/2018 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 90064
Web
I have made many attempts to let this company know that this debt is not my debt and that my identity was stolen as a result of the ID Theft, there were many accounts opened in my name and for some reason this company will not make any adjustments after repeatedly requesting them to remove this account from my credit report. I did not open an account with any timeshare companies and i do not have any active accounts or benefits with any timeshare. I would like to have my credit report updated asap in order for me to purchase a home. I have submitted a police report to the company and nothing has been done about it.
03/07/2018 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • MD
  • 212XX
Web
On XX/XX/2017.I requested a copy of the deed for a timeshare.So one supposedly had award or given to me.I don't know anything about a owning a timeshare.Its not my timeshare.Its not my property even through my name is on the deed.I have spoken to XXXX XXXX XXXX who is the Account manager for this account.I have already disputed the account with them XX/XX/2017.They are telling me I have dispute this again.This is a grave violation of the FCRA and the FDPA.They think this is a jokes.I am requesting that they remove this off my credit reports and send this back to XXXX XXXX XXXX for an investigation of Fraud and Forgery.
09/02/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 75052
Web
On XX/XX/XXXX I spoke with XXXX XXXX from XXXX XXXX XXXX in regards to closed and not actively collecting nor owed on contract XXXX. She mentioned this account is closed and not requiring payment. She confirmed this via phone and email. XXXX confirmed as well with the resorts company that he can enroll me into a new time share agreement given those old contracts were cancelled and no longer exist or active, many changes were made after covid. This debt is not owed and balance is incorrect by the debtor meridian financial and I request the validate this debt with original contract with signatures and identification.
09/10/2018 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • CA
  • XXXXX
Web
On XX/XX/18 I submitted a complaint on my collection case to XXXX XXXX XXXX via CFPB. Please refer to the complaint case # XXXX-XXXX for original complaint, now closed with my feedback with CFPB. I was advised by CFPB to open a new case to proceed and to reach with an explanation from XXXX XXXX XXXX as the above case is closed. Dates : XX/XX/18 Submitted original complaint. XX/XX/18 Company responded with their findings. XX/XX/18 Sent certified mail reply to company with my findings and explanations. XX/XX/18 Company sent my case to Collection Bureaus without a reply back to my mail submitted on XX/XX/18
09/03/2020 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Frequent or repeated calls
  • NH
  • 032XX
Web Servicemember
XXXX at Meridian Financial Services , inc has been told on more than one occasion, that I am available to talk on Fridays. Yet they still call everyday some times more than once. The started right of at XXXX something XXXX this morning. I have tried block the number no good. I have also explained the pandemic hit while I was taking care of 7 people one income. This is a very disgusting way to treat people. I do believe it will be a few months and all will hopefully be settled. The daily needs to stop and Fridays need to be respected. Harrassment is unexpected. Respect goes a long way.
08/06/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MO
  • 657XX
Web Servicemember
This account with XXXX is in dispute, the collection agency has been notified twice by registered mail that the account is in dispute. It was my understanding that the collection agency was barred from reporting the account to credit reporting agencies while an account is in dispute per Missouri State law. As you can see, I have excellent credit and none of this would have happened if XXXX XXXX had lived up to their agreement with me. I have retained the services of XXXX XXXX XXXX, XXXX XXXX, Mo. They have identified several incidents of fraudulent activity by XXXX against us.
11/11/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 93004
Web
I attended a timeshare presentation several years ago but did not make any purchase or commitment. Meridian Financial is now trying to collect from me for XXXX XXXX, but I never made a purchase, or signed a contract, or paid them any initial payment. I demanded that Meridian send me some sort of proof that I signed an agreement but they ignored my demand. Meridian has placed this fraudulent collection on my credit report at all 3 credit bureaus, which is damaging my credit score and causing me financial damages by inhibiting my ability to obtain credit.
01/09/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 78040
Web
XXXX XXXX XXXX is incorrectly assigning a collection that does not below to me. As per previous complaint # XXXX they themselves identify the actual owner of the account XXXX XXXX XXXX XXXX XXXX. I request Meridian Financial correct this error and restore my credit profile by removing this collection and updating all credit reporting bureaus of their error. I also request they provide me documentation that this correction has taken place so my filing purpose. Attached file shows my father and mother are the owners of the account not I as they claim.
09/24/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • OH
  • 455XX
Web
XXXX and Meridian Financial have ignored my request that the information such as amount owed, date of last payment, the balance, and type/responsibility of account are all incorrect. Although they have said it's been verified I have not received any documents to show the proof. Certified letters with tracking numbers have been sent to both parties and I have not received anything from either party with the documents I have requested. This is not 100 % accurate on my credit report and I would like it deleted off my credit report within 30 days.
07/12/2020 No
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MD
  • 20874
Web
I disputed this debt numberous times. This debt does not belong to me. This false reporting is a clear violation of Public Law 104-191 ( " HIPAA '' ) since there can be no permissible business purpose in divulging protected health information to anyone on an account once there is no longer any payment due.In addition the new Omnibus Final Rule states : when patients pay out of pocket in full, they can instruct their provider to refrain from sharing information. Please delete from my credit report. Thanks
12/20/2021 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • TX
  • 75160
Web
I XXXX XXXX have a debt amount of XXXX with Meridian Financial SVC Timeshare Liquidators LLC. I have never done a time share and have no idea who this company it. It is effecting my credit and effecting my home and means to be able to get things I need to survive in life. The company is not allowing me to dispute this charge. When I contact the company they state the have no account in my name but yet it is on my credit. I am pressing charges and will get a lawyer involved now. I want this off my credit
03/05/2018 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • CA
  • 952XX
Web
XXXX XXXX time share has put me into collection with Meridian Financial collection agency for over 1k. I purchased the time share in XX/XX/2004 and haven't used it in approximately 8 years or longer. I requested to end my contract and was never contacted or notified. Now Merdian collection agency has 4 open accounts on my credit score. No contract can be perpetual without an option to close it out if I'm not using the services. I appreciate your assistance in this matter. Sincerely, XXXX XXXX
04/01/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NC
  • 27587
Web
Meridian Financial has fraudulently reported a single collection account obtained from XXXX XXXX as three different accounts to both XXXX and XXXX. I have written to them several times to correct this error and received a statement confirming that this is indeed a single account but my demand for correction to the reporting has been ignored. Attached is my statement from XXXX XXXX confirming that this is, in fact, one single collection regarding a single XXXX XXXX account and not several.
02/11/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was discharged in bankruptcy
  • AZ
  • 85142
Web
meridian financial is trying to collect a debt for maintenance fees they are saying are from XXXX XXXX XXXX club which was discharged in chapter XXXX no asset bankruptcy XXXX/XXXX/13. Because thus was a no asset Chapter XXXX, I was released of all debts and obligations under the " XXXX XXXX '' ruling by the supreme court. they are saying they are for maintenance fees after the backruptcy however I was relieved of the obligation of the membership with the discharge of chapter XXXX.
11/09/2023 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NY
  • 11795
Web Older American
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.
08/24/2021 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • FL
  • 33755
Web
I do not even know who this company is. There is nothing on my credit report for Meridian Financial Services. Lastly, they are calling for my old married name ( which I have not had in over 10 years ). They are calling family members too trying to reach this name also. I would like them to stop calling as again there is nothing on my credit report, nor have I received a debt validation letter for any outstanding debts that would have been owed prior to the past 10 years.
01/13/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Frequent or repeated calls
  • NY
  • 11207
Web
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.
03/31/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • PA
  • 180XX
Web
I filed a dispute about item on my credit report with XXXX They came back after short time and said company certified debt. Problem is they don't show what was used to certify it. The company who has me in collections has no signed agreement from me or creditor say I owed nothing but piece paper with name and amount. Hasn't shown XXXX any proof of debt and XXXX fails to remove item after multiple disputes. The company in question is meridian financial.
05/16/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Frequent or repeated calls
  • VA
  • 20155
Web Servicemember
Meridian Financial Services called me twice and was extremely rude. I asked for Corporate address and contact information so I can provide documents showing that I have not owned the property that they are trying to collect on for years. I can not get to the information I need because the collector keeps harassing me about a payment and cutting me off. On XXXX/XXXX/16 they called at XXXX XXXX and hung up after I asked for more information.
11/06/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • MO
  • 63366
Web Older American
Alleged debt is fraudulent. Owner 's maintenance fees were charged to my wife and me as co-owners and paid in full. My wife and I decided to place the time share into my name alone. The Owner 's Association then apparently decided to charge the same maintenance fee that i had paid with my wife to me as the " new owner. '' This duplicate charge is unconscionable and i will be reporting it to all appropriate Federal and State Agencies.
02/08/2018 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • TX
  • 78213
Web
XXXX XXXX XXXX sent my account straight to Meridian Financial collection services but they never sent me an initial bill ( no email, phone call or voice mail ). The only notice I received was from Meridian via the US postal service. If they were able to find me, I don't know why XXXX wasn't able to. Once I investigated what may have happened, I paid Meridian immediately ( including their collection fees ) in full, within 5 days.
05/11/2019 Yes
  • Debt collection
  • Mortgage debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • UT
  • 84015
Web
Written Notification About Debt The law : Within five days of initially contacting you, the collector must send written notice of the debt that includes : The amount of the debt The name of the original creditor to whom the debt is owed A statement describing your right to dispute the debt. This law was not fallowed and they are asking for {$5900.00} when XXXX says the I owe {$5000.00}. Witch is what they reported to XXXX.
09/23/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • CA
  • 92301
Web
In accordance with the consumer fair reporting act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. Meridian Financial SVC ACCT : XXXX Meridian Financial Acct : XXXX 15 U.S.C 1681 602 a : I have a right to privacy 15 U.S.C 1681 A section 2 A credit reporting agency can not furnish an account without the consumers written instructions.
04/19/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • FL
  • 33569
Web
Meridian # XXXX & Meridian # XXXX are time share association dues. The Time share is my ex husband 's ( XXXX XXXX XXXX XXXX ) and I have signed over my shares/rights to him. This should not be on my credit bureau for association dues that I am not responsibility for. I have made several attempts to contact Meridian and XXXX in an effort to resolve but they are not willing to cooperate but only get the run around.
10/22/2020 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • PA
  • 156XX
Web
The dates of this so called debt that I owe are wrong. It was an account that belonged to my ex husband and is not on his credit report either. The debt owed is over 7yrs old. I have disputed numerous times asking Meridian Financial to produce a signed contract by me stating that we have a contract and they can not produce one. This was removed from my credit report before and now put back on with a newer date!
06/26/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 27607
Web
Meridian Financial is reporting multiple debts on my credit report, from a time-share in Florida, called XXXX XXXX XXXX XXXX. We did sign some papers with XXXX XXXX years ago, but there is a 10-day right of rescission in Florida, and we rescinded the contract within 10 days of signing. We have never visited that property since, and their attempt to collect this debt is either an error or gross negligence.
11/12/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • NV
  • 89119
Web
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report. This was a corporate account and mistakenly reported on my profile. Had your record-keeping been accurate, and where is the proof of payment history? The XXXX Credit Bureau is willfully in violation of FCRA and condoning illegal behavior, they MUST remove this collection account immediately.
09/10/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • UT
  • 84043
Web
Meridian Financial Services is reporting inaccurate information. I have been disputing it and it is still not fixed. The timeshare deed was transferred and sold, it is not ours anymore it was paid! The bureaus are not getting valid verification and XXXX XXXX is NOT valid verification! This is erroneous and affecting my financing. The next correspondence is going to be from my attorney.
11/12/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Right to dispute notice not received
  • WA
  • 98604
Web Older American
XXXX, a Timeshare company failed to inform me of a change of agencies collecting maintenance dues. This Time Share company did not call, or write to inform me of this change. They turned unpaid dues into a collection agency prior to giving me an opportunity to handle my maintenance dues and an appropriate way. Now this collection agency information is a negative on my credit report.
08/17/2015 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • DC
  • 20002
Web
I am a victim of Identity theft. This has been reported to local authorities and the credit Bureaus. Meridian financial have been contacted in writing and I have shown them My Drivers license does n't match the fraudulent copy they have on file. They continue to report fraudulent information on my credit reports hurting my ability to conduct business and causing me financial harm.
08/09/2023 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • CT
  • 061XX
Web
We've sent messages to Meridian Financial Services that we were disputing a debt because we're working with the original creditor to get the issue resolved. They have ignored us, and are breaking the law by doing so. They seem to be notorious based on complaints we've read about them and they should have their ability to collect as a third party revoked!
05/18/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33647
Web
I have contacted Meridian Financial Services and inform them that this debt is not my debt that this invoice which I received on XX/XX/2018for the very first time needs to be verified with the timeshare company which is XXXX XXXX but they have refused instead they request I call XXXX XXXX there client and inform them that this debt is not mines.
09/23/2015 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Attempted to collect wrong amount
  • NC
  • 28025
Web Older American
A debt collection agency is claiming that they will submit to both my account and my wife 's account on XXXX and XXXX a debt claimed by an HOA as a separate debt each year that the HOA submits the debt as delinquent. Thus, the disputed debt will continue on our credit report in perpetuum. We disputed this debt many times already. Is this legal?
08/18/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • NJ
  • 08648
Web Servicemember
MERIDIAN FINANCIAL SERVICES Last reported XX/XX/XXXX {$720.00} Open balance XXXX XXXX was including in my XXXX bankruptcy however they sold account to meridian and now the item is on my XXXX credit file affecting my credit and it is on twice showing twice in debt. XXXX will not remove as the collection agency will not update. Please assist.
10/01/2018 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • CO
  • 809XX
Web
Meridian Financial Services Inc. has violated the FCDPA trying to collect old debt which is considered " Time Barred '' debts. The company has placed a lien on my credit report in the amount total of {$16000.00}. The debts were dated in XX/XX/2006 which is twelve years old and can not be collected, as it's considered a Time-barred debts.
12/10/2021 Yes
  • Debt collection
  • Mortgage debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • VA
  • 23666
Web Servicemember
Meridian Financial Services , INC has sent several forms via mail stating I OWE A DEBT, ATTEMPTING TO COLLECT A DEBT, they also called my phone many of times harassing me about a debt. Meridian Financial Services , INC reported a debt to several bureaus resulting in negative marks on my credit violating my rights to privacy as a consumer.
06/12/2022 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Attempted to collect wrong amount
  • TX
  • 75115
Web
I submitted a detail request from this Collection agency to no avail. I sent a letter via certified US mail with Tracking # XXXX which shows delivered on XX/XX/2022 at XXXX XXXX. There has been no response. In this letter I requested information to help settle this matter all together. And I have yet to get a response for this company.
06/13/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • IL
  • 60453
Web
I sent a complaint to XXXX XXXX and Meridian Financial Services and they have not removed this items that is not mine. This should be illegal. I sent out letter on in XX/XX/2023 and received not response. I sent out a demand on XX/XX/XXXX and XXXX XXXX did respond but Meridian did not. Today XX/XX/XXXX I reported Meridan to the XXXX
08/12/2022 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • TX
  • 750XX
Web
Meridian financial is the reporting creditor on my credit report the account was closed they contacted me and said within 7 to 10 this account will be remove from my credit report but it was removed from my experian report not my XXXX reporting. I call XXXX they said meridian financial didnt contact them to remove this account.
07/21/2015 No
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • VA
  • 229XX
Web
Collection agency Meridian Financial Services is charging me a collection fee that is absorbent and unfair. Meridian Financial Services refuses to validate their collection fee practices. They are unwilling to show me documentation on their fee assessments and state I have no right to that information per representative
04/24/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • XXXXX
Web
I contacted the Consumer Financial Credit Protection Bureau on three accounts that are not due by me I submitted documents and Meridian Financial answered the complaint and removed from my credit now the same account are in my XXXX credit report and were never removed. Attached is the proof on a previous file.
08/04/2018 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33903
Web
I HAVE NO KNOWLEDGE OF ANY ACCOUNTS WITH MERIDIAN FINANCIAL SERVICE YET THERE ARE 4 ACCOUNTS SHOWING COLLECTIONS.BESIDES THE AMOUNT AND DATES VARY. THIS IS NOT MY ACCOUNTS. AS YOU CAN SEE BY MY CREDIT REPORT I PAY MY BILLS WITHOUT ANY PROBLEMS. PLEASE HAVE THIS CORRECTED AND REMOVED. THANK YOU
09/14/2018 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • CA
  • 953XX
Web
repeated robo calls telling me I have an outstanding debt and threatening to take legal action. several calls a day from Meridian stating for me to call an XXXX number or they will take legal action. To my knowledge I have not debts which have been turned over for collections.
06/16/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NY
  • 11230
Web
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.
06/30/2015 No
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Used obscene/profane/abusive language
  • VA
  • 23235
Web
The person from the agency has a XXXX. It is impossible to understand her. I asked to speak with someone else and she refused. She was hateful and abusive. Told me I had to pay money I did not owe and her outrageous collection fee. Very unprofessional and demeaning.
05/05/2023 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 27703
Web Servicemember
I have made attempts to satisfy the Debt COllectors request, however, I keep getting a letter saying debt not satisfied. Attached you will find a letter - showing i sent payment info as requested and then I still receive a letter asking for payment.
07/10/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 949XX
Web
I never had a record with this authority/leaser. I attempted to get in touch with you a few times and request verification of possession however you neglected to send me the important documentation to demonstrate that I actually own this record.
12/06/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • VA
  • 22101
Web Older American
Debt was paid in full. Collection agency violated section 15 U.S.C. 1692 of FDPAAsloduring discussion with agency they failed to provide accurate information despite my attempt to secure sameThey reported an inaccurate debt to credit bureau
12/11/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NY
  • 10457
Web
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.
02/15/2018 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • SD
  • XXXXX
Web
Lists six different accounts, so six different collection accounts listed on two major credit bureaus for one account they claim has a balance. They are unable to produce a written document to verify even one debt, let alone six.
12/23/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MD
  • 21206
Web
I never had an account with these collectors/creditors. I tried to contact them several times and ask for proof of ownership but they failed to send me the necessary documentation to prove that I really own this account.
03/05/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • NC
  • 27703
Web
I am frusting because company is placing charges on my account that i am not familar, Please investigate and remove. I have been over 60 Days and the company is still reporting inaccurate information
11/21/2023 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • MA
  • 015XX
Web
XXXX XXXX is trying to collect on a debt we're working with our timeshare to resolve. They need to return the debt to the original creditor. We've requested it twice and they are refusing.
09/18/2020 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • CA
  • 95380
Web Servicemember
Meridian Financial has contacted me in regards to a debt that is past Statute of limitations at 4 years. they called me 3 times in regards to an account that is past collections activity
10/17/2016 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Impersonated an attorney or official
  • AZ
  • 859XX
Web
They called family members my parents and ex-father-in-law claiming I threatened someone and they needed a statement against me.
04/13/2019 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • IL
  • 60619
Web Servicemember
I had paid in full a time share and the company continues to harass me and put a negative mark on my credit report.
01/07/2017 No
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Taking/threatening an illegal action
  • Threatened to sue on too old debt
  • CA
  • 92677
Web Older American
This is a lease that was terminated 7 years ago but they keep re inserting a new debt to keep it current
09/17/2016 No
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Right to dispute notice not received
  • MD
  • 21117
Web
I never received an XXXX notice, I checked my credit report and saw Meridian on there.
12/14/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Attempted to collect wrong amount
  • NC
  • 273XX
Web Servicemember
I am no longer responsible for this account. Fraudulent representation.
11/06/2015 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 90403
Web
I keep getting a call from Meridian Financial XXXX. I have XXXX debt.
09/11/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was discharged in bankruptcy
  • FL
  • 33056
Web
XXXX XXXX XXXX was discharged on my husband 's bankruptcy
07/12/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • TX
  • 760XX
Web
This debt was already paid by XXXX XXXX XXXX.
02/09/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • OH
  • 43068
Web
10/23/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 78244
Web
08/08/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • MA
  • 01545
Web Older American
08/02/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • VA
  • 23664
Web
07/20/2023 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • MN
  • 55440
Web
05/29/2023 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • VA
  • 23235
Web
05/08/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NC
  • 28269
Web
05/06/2023 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 91701
Web
02/26/2023 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • MI
  • 48501
Web
02/16/2023 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • PA
  • 19053
Web Older American, Servicemember
02/15/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 92336
Web
12/04/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • CA
  • 91406
Web
10/19/2022 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Frequent or repeated calls
  • KY
  • 40444
Web
09/15/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 77584
Web
08/16/2022 Yes
  • Debt collection
  • Mortgage debt
  • False statements or representation
  • Attempted to collect wrong amount
  • CA
  • 91411
Web Older American
07/13/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 90249
Web
07/11/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 90249
Web
06/24/2022 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • DE
  • 19701
Phone
06/20/2022 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • DE
  • 19701
Web
06/06/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NY
  • 11230
Web
04/25/2022 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • OH
  • 44142
Web
03/18/2022 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • CA
  • 95207
Web
03/17/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • CA
  • 90813
Web
01/21/2022 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • IL
  • 60471
Web
01/09/2022 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • MD
  • 21144
Web
10/26/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30349
Web
10/12/2021 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • CA
  • 90731
Web
08/24/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 28217
Web
08/19/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • CA
  • 93105
Web
08/06/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Old information reappears or never goes away
  • PA
  • 19001
Web
05/19/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 75201
Web
05/04/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • WA
  • 98391
Web
04/01/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • AZ
  • 85740
Phone
12/04/2020 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NY
  • 11233
Fax
09/24/2020 No
  • Debt collection
  • Other debt
  • False statements or representation
  • Impersonated attorney, law enforcement, or government official
  • MI
  • 48180
Web
09/23/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • VA
  • 23502
Web Servicemember
09/10/2020 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Frequent or repeated calls
  • CA
  • 92346
Referral
08/28/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • FL
  • 33313
Web
05/12/2020 No
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • CA
  • 94612
Web Servicemember
04/22/2020 Yes
  • Debt collection
  • Mortgage debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • GA
  • 30066
Web
04/15/2020 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Attempted to collect wrong amount
  • FL
  • 34207
Web
04/14/2020 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • NY
  • 14610
Phone
04/13/2020 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Impersonated attorney, law enforcement, or government official
  • NY
  • 11360
Web Older American
03/09/2020 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • TN
  • 38119
Web
09/03/2019 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 77042
Postal mail
08/13/2019 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • NJ
  • 07305
Postal mail
05/13/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • IA
  • 50109
Web
05/04/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • MN
  • 56001
Referral
05/02/2019 No
  • Debt collection
  • I do not know
  • False statements or representation
  • Attempted to collect wrong amount
  • GA
  • 30066
Web
04/29/2019 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MI
  • 49822
Postal mail
04/10/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 11946
Web
02/12/2019 Yes
  • Debt collection
  • Mortgage debt
  • False statements or representation
  • Attempted to collect wrong amount
  • CA
  • 90404
Web
01/29/2019 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • AZ
  • 85282
Web
12/28/2018 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • NY
  • 11565
Web
12/27/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • CA
  • 92395
Phone
12/01/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 10605
Web
11/17/2018 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • FL
  • 32566
Web Servicemember
11/08/2018 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 93561
Web Servicemember
07/18/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30122
Web
06/12/2018 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
Postal mail
05/24/2018 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 91311
Web
04/25/2018 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 28277
Web
04/07/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 32459
Web
01/31/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • PR
  • 00716
Postal mail
12/28/2017 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Attempted to collect wrong amount
  • PA
  • 15219
Phone
12/05/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 92211
Phone
11/05/2017 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Attempted to collect wrong amount
  • NY
  • 14424
Web Servicemember
10/14/2017 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • CA
  • 95682
Web
10/07/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33647
Web
09/29/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
Phone
09/08/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • OK
  • 73572
Web
08/01/2017 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 33647
Web
07/18/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CO
  • 80922
Web
06/22/2017 No
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NY
  • 11234
Postal mail
05/16/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • 33054
Fax
05/02/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • 32963
Fax
05/02/2017 Yes
  • Debt collection
  • Mortgage debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NY
  • 10589
Fax
04/24/2017 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • AZ
  • 85740
Phone
02/06/2017 Yes
  • Debt collection
  • Mortgage
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • AL
  • 35957
Referral
02/02/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Called after sent written cease of comm
  • NC
  • 28513
Referral
01/12/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Frequent or repeated calls
  • VA
  • 23608
Postal mail Older American, Servicemember
12/12/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was discharged in bankruptcy
  • GA
  • 30005
Web
09/22/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Attempted to collect wrong amount
  • MN
  • 55125
Web
09/13/2016 Yes
  • Debt collection
  • Credit card
  • Taking/threatening an illegal action
  • Threatened to sue on too old debt
  • CO
  • 80016
Web
08/31/2016 Yes
  • Debt collection
  • Mortgage
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • TN
  • 38557
Referral
08/16/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Frequent or repeated calls
  • TN
  • 37047
Web Older American
08/03/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Frequent or repeated calls
  • CA
  • 91001
Postal mail Older American
08/02/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • GA
  • 30005
Web
07/07/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Attempted to collect wrong amount
  • CO
  • 80909
Web
06/24/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • TX
  • 75230
Web Older American
06/23/2016 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt was discharged in bankruptcy
  • CA
  • 93536
Web Older American, Servicemember
05/09/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 91801
Web
04/19/2016 No
  • Debt collection
  • Mortgage
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • CA
  • 90065
Phone Older American
03/31/2016 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CT
  • 06437
Web
02/16/2016 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • PA
  • 19073
Web Older American
01/19/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was discharged in bankruptcy
  • CA
  • 93536
Postal mail Older American, Servicemember
01/06/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Attempted to collect wrong amount
  • NY
  • 11717
Phone
12/11/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CO
  • 80112
Phone
11/06/2015 No
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Right to dispute notice not received
  • GA
  • 30362
Web
11/06/2015 No
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Right to dispute notice not received
  • GA
  • 30093
Web
10/28/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • MN
  • 55124
Web Older American
10/18/2015 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 94122
Web Servicemember
08/10/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • MA
  • 02351
Phone
08/07/2015 No
  • Debt collection
  • Mortgage
  • False statements or representation
  • Attempted to collect wrong amount
  • AR
  • 72118
Web
07/08/2015 Yes
  • Debt collection
  • Mortgage
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • MA
  • 02132
Referral
07/08/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • WA
  • 48208
Postal mail
05/26/2015 No
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Attempted to collect wrong amount
  • WI
  • 54956
Web
05/11/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NV
  • 89123
Postal mail
03/05/2015 No
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Called after sent written cease of comm
Fax
02/08/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Improper contact or sharing of info
  • Contacted employer after asked not to
  • PA
  • 19026
Web
02/05/2015 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt was discharged in bankruptcy
  • WI
  • 54650
Web Older American
01/22/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Right to dispute notice not received
  • FL
  • 34135
Web Servicemember
01/22/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • VA
  • 22407
Web
01/17/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Right to dispute notice not received
  • CT
  • 06825
Web
01/05/2015 No
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • NE
  • 68048
Web Older American, Servicemember
12/08/2014 No
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was discharged in bankruptcy
  • NC
  • 28658
Web
12/01/2014 No
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Attempted to collect wrong amount
  • OH
  • 43615
Fax Older American
11/26/2014 No
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Not disclosed as an attempt to collect
  • CA
  • 94603
Web
11/21/2014 No
  • Debt collection
  • Mortgage
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • MD
  • 20657
Referral
11/11/2014 No
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • PA
  • 19006
Web
10/27/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • CA
  • 91007
Web Older American, Servicemember
10/24/2014 No
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Frequent or repeated calls
  • TX
  • 78665
Web
10/20/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Improper contact or sharing of info
  • Contacted me after I asked not to
  • IA
  • 52361
Web
09/23/2014 Yes
  • Consumer Loan
  • Installment loan
  • Problems when you are unable to pay
  • HI
  • 96708
Web
07/18/2014 No
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NJ
  • 08742
Phone Older American
07/15/2014 No
  • Debt collection
  • Mortgage
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • WI
  • 53223
Postal mail Older American
06/24/2014 No
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Attempted to collect wrong amount
  • NC
  • 27610
Web Older American
06/23/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • PA
  • 19312
Web
06/18/2014 Yes
  • Mortgage
  • Other mortgage
  • Application, originator, mortgage broker
  • NH
  • 03046
Referral
06/07/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Attempted to collect wrong amount
  • SC
  • 29715
Web
05/30/2014 Yes
  • Bank account or service
  • Other bank product/service
  • Account opening, closing, or management
  • CA
  • 92620
Web
05/28/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • OH
  • 45821
Postal mail
05/22/2014 Yes
  • Debt collection
  • Mortgage
  • Disclosure verification of debt
  • Not disclosed as an attempt to collect
  • CA
  • 95219
Postal mail
05/14/2014 Yes
  • Debt collection
  • I do not know
  • Improper contact or sharing of info
  • Contacted employer after asked not to
  • CA
  • 94128
Web Servicemember
04/10/2014 No
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Right to dispute notice not received
  • CA
  • 94553
Web
04/03/2014 No
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not disclosed as an attempt to collect
  • CA
  • 92399
Web Servicemember
03/06/2014 Yes
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • FL
  • 34470
Web Older American
01/15/2014 Yes
  • Debt collection
  • Mortgage
  • Improper contact or sharing of info
  • Talked to a third party about my debt
  • VA
  • 23434
Web Servicemember
11/07/2013 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • VA
  • 22033
Fax
10/16/2013 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Indicated committed crime not paying
  • NM
  • 87111
Web
09/24/2013 Yes
  • Debt collection
  • Mortgage
  • Cont'd attempts collect debt not owed
  • Debt is not mine
Postal mail Older American