Consumer complaint received 2021-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Meridian Financial Services, Inc.
State: PA

Complaint narrative:
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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation