What is the most common complaint against Meridian Financial Services, Inc.?

The most common issue consumers report about Meridian Financial Services, Inc. is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 465 complaints filed with the CFPB.

Are complaints against Meridian Financial Services, Inc. increasing or decreasing?

Complaints against Meridian Financial Services, Inc. are rising. The company received 141 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is Meridian Financial Services, Inc.'s reputation grade?

Meridian Financial Services, Inc. has a reputation grade of D (score: 53.3/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Meridian Financial Services, Inc. respond to consumer complaints?

Meridian Financial Services, Inc. has a 92% timely response rate to CFPB complaints. Consumers disputed the company's response in 15% of cases.

In how many states does Meridian Financial Services, Inc. operate?

Meridian Financial Services, Inc. has received CFPB complaints from consumers in 46 states, with the most complaints from California (65 complaints).

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

Meridian Financial Services, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 46 states, reputation grade D.

Compiled by PlainCollector

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

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 #3681

VOL 465
GRADE D
12MO 141
STATES 46
TIMELY 92%
DISPUTE 15%
ISSUE Attempts to collect debt n…
RANK #293
COMPOSE #3,681

Volume peers

Nearest volume peer: Riverwalk Financial Corporation (465 complaints)

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 →

Distributed filing map

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

Despite a broad state map, Meridian Financial Services, Inc. still sits volume #293 against composite #3,681 - the two RankMaps diverge by 3,388 places. 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)
Divergent corpus ranks: #293 volume; #3,681 composite; Cleanest-composite ladder is 3,388 places worse than volume

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 Ser… National average

Complaints (last 12 mo)lower is better

141

268

Timely-response ratehigher is better

92%

75%

91%

Consumer-dispute ratelower is better

15%

14%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

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.

California

65
Florida

51
Texas

32
Virginia

31
Georgia

30
New York

28
New Jersey

26
Maryland

17

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.