This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

CFPB complaint data Grade D 465 complaints

Meridian Financial Services, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 46 states, reputation grade D.

Complaints by issue type

What consumers report about Meridian Financial Services, Inc.

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

Data updated September 2026

CFPB complaint disposition

CCDB record meridian-financial-services-inc Meridian Financial Services, Inc.

Grade D · 465 CFPB filings · 92% timely · lead issue: Attempts to collect debt not owed · vol #293 · compose #244

  • VOL 465
  • GRADE D
  • 12MO 141
  • STATES 46
  • TIMELY 92%
  • DISPUTE 15%
  • ISSUE Attempts to collect debt n…
  • RANK #293
  • COMPOSE #244

Volume peers

Nearest volume peer: Riverwalk Financial Corporation (465 complaints)

P&B Capital Group, LLCP&B Capital Group, LLC464Riverwalk Financial CorporationRiverwalk Financial Corporat…465Meridian Financial Services, Inc. (this)Meridian Financial Services,…465Fidelity Capital Holdings, IncFidelity Capital Holdings, I…466The Phoenix Recovery GroupThe Phoenix Recovery Group466
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Meridian Financial Services, Inc.'s 465 CFPB complaints sit next to Riverwalk Financial Corporation on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

How the 465 complaints break down

Every complaint issue type on record for Meridian Financial Services, Inc., not just the top ones shown above.

Reputation score breakdown

D
Composite reputation score
53.3/100
Meridian Financial Services, Inc.

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume F
465
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
92%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate A
15%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend D
Rising
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

Distributed filing map

Meridian Financial Services, Inc. spreads filings across 46 states - California leads at only 14.0%

Peak share is this collector's company_monthly maximum divided by its own stored monthly total. Corpus placement method.

Most-even geography
Lead state under 15%
California still leads at 14.0% across 46 states
Spike month
2024-11 19.2%
5 filings that month · spiky (≥15% of series)
Corpus ranks
#293 volume
#244 composite
Among 5,420 volume-ranked / 536 scored collectors with 200+ complaints

How does Meridian Financial Services, Inc. compare to its peers?

How does Meridian Financial Services, Inc. compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count
Meridian Financial Services, Inc. National average
Complaints (last 12 mo)lower is better
141
2
268
Timely-response ratehigher is better
92%
75%
91%
Consumer-dispute ratelower is better
15%
14%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy Meridian Financial Services, Inc. a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 11 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 20%40%60%80%100%120% 0%10%20%30%40%50% Timely response rate (%) Dispute rate (%) Meridian Financial Services, Inc. vs. 10 similar-volume peers, by response speed and dispute rate Meridian Financial Services, Inc.Riverwalk Financial CorporationThe Phoenix Recovery GroupP&B Capital Group, LLCFIDELITY CAPITAL HOLDINGS, INCCredit Card Receivables Fund IncorporatedAdvance America, Cash Advance Centers, Inc.Frontline Asset Strategies, LLCTower Loan of Mississippi, Inc.Williams, Rush & Associates, LLCARS National Services, Inc.
Source: CFPB Consumer Complaint Database

Meridian Financial Services, Inc.'s complaint volume in context

Meridian Financial Services, Inc. vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

465 Top 5% higher than 95% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). Below this entry. 40–60: 260 collectors (5%). Below this entry. 60–80: 163 collectors (3%). Below this entry. 80–100: 112 collectors (2%). Below this entry. 100–120: 63 collectors (1%). Below this entry. 120–140: 67 collectors (1%). Below this entry. 140–160: 53 collectors (1%). Below this entry. 160–180: 42 collectors (1%). Below this entry. 180–200: 55 collectors (1%). Below this entry. 200–220: 536 collectors (10%). This entry sits in this band. Meridian Financial Services, Inc. 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Rising ↑
2024-05 2026-01

Issue Detail Breakdown

Issue Complaints
Attempts to collect debt not owed
146
False statements or representation
80
Written notification about debt
79
Took or threatened to take negative or legal action
52
Communication tactics
41
Cont'd attempts collect debt not owed
34
Disclosure verification of debt
24
Improper contact or sharing of info
5
Threatened to contact someone or share information improperly
2
Taking/threatening an illegal action
2

Where do complaints against Meridian Financial Services, Inc. come from?

Meridian Financial Services, Inc.'s own per-state count, not a national baseline.

Top states by complaints against Meridian Financial Services, Inc.

Across 46 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Meridian Financial Services, Inc.: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 465.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 91.9431279620853%.

4 peers

Know your rights before responding to Meridian Financial Services, Inc.: FDCPA rights guide · debt validation letter · rights library.

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.