Total CFPB complaints
422
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 422 complaints
Meridian Financial Services, Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 43 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Meridian Financial Services, Inc.
- Attempts to collect debt not owed
Attempts to collect debt not owed
127 complaints
- Written notification about debt
Written notification about debt
68 complaints
- False statements or representation
False statements or representation
66 complaints
- Took or threatened to take negative or legal action 38
Took or threatened to take negative or legal action
38 complaints
- Communication tactics 32
Communication tactics
32 complaints
- Cont'd attempts collect debt not owed 22
Cont'd attempts collect debt not owed
22 complaints
D
Grade D · 55.7/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about Meridian Financial Services, Inc.?
Meridian Financial Services, Inc. has accumulated 422 total CFPB complaints across 43 states, with 114 filed in the most recent 12 months against 308 historical complaints before that window. The trailing-12-month volume represents 27.0% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt is not yours", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 92% timely-response rate against a 15% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 43 states, led by California with 62 and Florida with 45, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 55.7/100 places Meridian Financial Services, Inc. in grade band D, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
114
27.0% of total history
Rising ↑
States active
43
Distinct state filings
Timely response rate
92%
Within CFPB SLA window
Consumer disputes
15%
After company response
Reputation grade
D
55.7/100 composite
Response-quality profile
How Meridian Financial Services, Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 91.9%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 29.9%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 76.8%
Share of US states + territories with at least one filed complaint against this collector.
How does Meridian Financial Services, Inc. compare to its peers?
Meridian Financial Ser… National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2024-03 2026-02
Top Consumer Issues
Attempts to collect debt not owed127 (%)
False statements or representation66 (%)
Written notification about debt68 (%)
Took or threatened to take negative or legal action38 (%)
Cont'd attempts collect debt not owed22 (%)
Communication tactics32 (%)
Most common issue: Attempts to collect debt not owed — Debt is not yours
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Attempts to collect debt not owed | Debt is not yours | 88 |
| False statements or representation | Attempted to collect wrong amount | 66 |
| Written notification about debt | Didn't receive enough information to verify debt | 41 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 38 |
| Written notification about debt | Didn't receive notice of right to dispute | 27 |
| Cont'd attempts collect debt not owed | Debt is not mine | 22 |
| Attempts to collect debt not owed | Debt was result of identity theft | 21 |
| Attempts to collect debt not owed | Debt was paid | 18 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 16 |
| Communication tactics | Frequent or repeated calls | 16 |
Where do complaints against Meridian Financial Services, Inc. come from?
The states where consumers have filed the most CFPB complaints against Meridian Financial Services, Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Meridian Financial Services, Inc.
Across 43 states with at least one filing
- California
California
62 complaints
- Florida
Florida
45 complaints
- Virginia
Virginia
30 complaints
- New York
New York
27 complaints
- Texas
Texas
25 complaints
- Georgia 24
Georgia
24 complaints
- New Jersey 24
New Jersey
24 complaints
- Maryland 17
Maryland
17 complaints
Frequently Asked Questions
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 422 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 114 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: 55.7/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
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 43 states, with the most complaints from California (62 complaints).
What can I do if Meridian Financial Services, Inc. is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If Meridian Financial Services, Inc. violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |