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Complaint Details
Note that complaint text that is displayed might not represent all complaints filed with BBB. See details.
Initial Complaint
01/26/2025
- Complaint Type:
- Billing Issues
- Status:
- Answered
A FCRA violation refers to a violation of the Fair Credit Reporting Act (FCRA), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies (CRAs) follow reasonable procedures to ensure 100% accuracy of the information contained in their credit reports. If a consumer suffers damages because of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney's fees. These accounts listed on my letter are not 100% correct and I demand them to be investigated completely. I demand you to remove this account from all 3 of my credit reports asap or I will have no choice but to forward this to my litigation attorney for furnishing a false account on my credit report.
Business response
01/31/2025
BBB Complaint ID # ********
Our records indicate that the account was opened with an electronic application.
Subsequently, the account was used for purchases and payments were applied to the
balance. Due to non-payment, the account charged off with an outstanding balance.
Please note that charged off accounts do not denote a forgiveness of the debt. Additionally,
as the balance remains outstanding and has not been settled, the account does not qualify
for a 1099-C form.
We received the customer’s Automated Consumer Dispute Verification (ACDVs) forms filed
through the consumer reporting agencies claiming identity theft and disputing the reporting of
the account. In each instance, the account was reviewed. Based on the results of our
investigation, the identity theft claims were denied, as the account information matches their
personal details. As such, responses were provided directly to the consumer reporting
agencies confirming that the account is reporting accurately.
Upon receipt of the customer’s complaint, we conducted an additional investigation regarding
their claim of identity theft, which was again denied based on the results of our investigation.
The Fair Credit Reporting Act (“FCRA”) requires that, as a furnisher of information to
consumer reporting agencies, we report accurate information regarding a consumer’s
account history. We have reviewed the account and determined that the information reported
was complete and accurate as of the date(s) we furnished it. As such, in the absence of
additional facts, we will not change the reporting of the account to the consumer reporting
agencies.
A letter with additional details was sent directly to ****** ** ******, along with account
documents.Initial Complaint
01/26/2025
- Complaint Type:
- Order Issues
- Status:
- Answered
I am not liable for this debt with Merrick bank Corp. I do not have a contract with Merrick bank Corp. they did not provide me with the original contract as I requested.Business response
01/31/2025
BBB Complaint ID #********
Our records indicate that the customer’s account was opened with an electronic application,
used for purchases and charged off due to non-payment.
We received an Automated Consumer Dispute Verification (ACDV) form filed through the
consumer reporting agencies disputing the reporting of the account. The account was
reviewed, and a response was provided directly to the agencies confirming that the account
is reporting accurately.
Upon receipt of the complaint, we completed an investigation regarding the customer’s claim
of identity theft, which was denied based on the account information that links to the
customer.
The Fair Credit Reporting Act (“FCRA”) requires that, as a furnisher of information to
consumer reporting agencies, we report accurate information regarding a consumer’s
account history. We have reviewed your account and determined that the information
reported was complete and accurate as of the date(s) we furnished it. As such, in the
absence of additional facts, we will not change the reporting of the account to the consumer
reporting agencies.
We have no record of a prior request for debt validation. A sperate response was sent to the
customer with validation documents.Initial Complaint
01/22/2025
- Complaint Type:
- Billing Issues
- Status:
- Answered
Merrick Bank Corp issued a credit card using my name, address and social security but I never applied for the card. I received a 1099-C form stating the account was charged off, and the *** was notified the amount is to be counted as income. Obviously, this error will affect not only my credit but also my dealings with the **** My social security number is LOCKED so how Merrick got around this is fraudulent and immoral. The account number on the letter is **************** and tracking number ******TI.Business response
02/05/2025
BBB ID # ********
We received the customers inquiry regarding the ***** that they received from Merrick
Bank. This account was opened and used for purchases. Due to nonpayment, the account
charged off with an outstanding balance.
Merrick Bank recently made the decision to discontinue collection of this debt. As a result,
the 1099c was issued.
We also received a complaint regarding this issued filed through the Federal Deposit
Insurance Corporation (****). A response will be provided to the customer upon the
resolution of the **** complaint.Customer response
02/05/2025
Complaint: 22842999
I am rejecting this response because:
I have the right to have my BBB inquiry reviewed and responded to regardless if I filed a complaint to the ****. Im rejecting this response as I am requesting Merrick Bank to provide proof my credit was ran for this debt. Merrick bank does NOT show up on my credit report, and customer service confirm they have a different date of birth on file.
Sincerely,
**** ***Initial Complaint
01/21/2025
- Complaint Type:
- Service or Repair Issues
- Status:
- Resolved
I received a alert days after my bankruptcy case was completed indicating my credit had changed when I checked it showed I applied for a Merrick Bank Card I dispute the information on my credit report. Days later a card came in the mail I never opened the card I googled the name and contacted them letting them know I did not apply for the card, didn't want the card and I wanted it taken off my credit. Today I seen a email from the merchant it was a bill for $72 I contacted them again and was told all they can do is file another dispute. The payment is past due is what's indicated automated and on email which I provide. I want this account closed and taken off my credit report I just hady credit repaired.Business response
02/05/2025
BBB Complaint ID # ********
Our records indicate that the account was opened with an electronic application, and the
annual fee was assessed. The customer called to report that the account was opened
fraudulently. As such, a block was placed on the card, and the representative submitted a
request to initiate an investigation. The account was reviewed, and a letter was sent
requesting that the customer provide additional details so that we can initiate an identity theft
investigation. The claim was opened following a subsequent call but denied based on the
account details that link to the customer. Upon receipt of the complaint, we completed an
additional investigation which was again denied.
This account was never activated or used for purchases. As requested, the account was
closed, and we waived the balance, which was comprised of the annual fee only.
Additionally, as the card was never used, we have requested that the consumer reporting
agencies delete the trade line associated with this account from the customer’s personal
credit file.
A letter was sent to the customer with further information.Customer response
02/10/2025
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
Sincerely,
Lanita DavisInitial Complaint
01/20/2025
- Complaint Type:
- Billing Issues
- Status:
- Answered
I received in the mail a 1099-C form stating that Merrick Bank Corp PO BOX 5000 DRAPER UT 84020-5000 reported a credit card debt discharge of $2268.17 dated 11/08/2024. I have no credit account with this Bank and there is no reference on my credit reports for this bank of any associated debt discharge. I never had any credit card with Merrick Bank and the address on the 1099-C is a brand new address for a home I recently purchased and moved to a few months ago. No old creditor would have this address. The form references loan #5*********521678 Tracking #********Business response
01/31/2025
BBB ID # 22835089
We received the customer’s inquiry regarding the 1099c that they received from Merrick
Bank. This account was opened and used for purchases. Due to non-payment, the account
charged off with an outstanding balance.
Merrick Bank recently made the decision to discontinue collection of this debt. As a result,
the 1099c was issued.
A response was issued to the customer with further information.Customer response
02/03/2025
Complaint: 22835089
I am rejecting this response because: No information was provided on the alleged account opened in my name for identification. My credit report shows no record at all of your account nor have I authorized any open accounts or usage for your bank. This is incorrect or an attempt to scam
Sincerely,
Anthony IchishitaInitial Complaint
01/19/2025
- Complaint Type:
- Billing Issues
- Status:
- Answered
I received a 1099-C on an account that was never mine. I have never had an account with Merrick Bank. The account number they provided on the 1099-C appears on none of my credit reports. I have received 0 correspondence prior to receiving this notice. Is it possible that I have been a victim of identity theft? I am suspicious as the account number or creditor (Merrick Bank) appears nowhere in any of my 3 credit reports.Business response
01/31/2025
BBB ID # 22832082
We received the customer’s inquiry regarding the 1099c that they received from Merrick
Bank. This account was opened and used for purchases. Due to nonpayment, the account
charged off with an outstanding balance.
Merrick Bank recently made the decision to discontinue collection of this debt. As a result,
the 1099c was issued.
A response was issued to the customer with further information.Customer response
02/03/2025
Complaint: 22832082
I am rejecting this response because:
There is no record of this account on any of my credit files. I have never had an account with your bank nor do I want to have an account with your bank. I intend on pursuing legal action.
Sincerely,
John LerchInitial Complaint
01/17/2025
- Complaint Type:
- Billing Issues
- Status:
- Answered
I received a 1099-C from Merrick Bank for a credit card. I dont have a credit card from them nor would I default payment.Business response
01/31/2025
BBB ID # 22824249
We received the customer’s inquiry regarding the 1099c that they received from Merrick
Bank. This account was opened and used for purchases. Due to non-payment, the account
charged off with an outstanding balance.
Merrick Bank recently made the decision to discontinue collection of this debt. As a result,
the 1099c was issued.
A response was issued to the customer with further information.Customer response
02/03/2025
Complaint: 22824249
I am rejecting this response because:
Sincerely,
Steve QuintanillaInitial Complaint
01/17/2025
- Complaint Type:
- Billing Issues
- Status:
- Resolved
was approved for a credit card december 20th here it is a month late still no card. Im gonna have a payment due before the card ever shows up. everytime i call im put on hold forever or i cant hear the person speaking. I just want the card i was suppose to get 2 weeks agoBusiness response
01/29/2025
BBB Complaint ID # 22823552
In an effort to address the customer’s concerns, we attempted to call them but we were
unable to reach them. We apologize for any inconvenience that they may have experienced
in trying to reach our customer service department. However, we found no recent inbound
call attempts.
Our records indicate that the account was opened, with an electronic application. Due to
booking errors that occurred, their card was cancelled. We apologize for the inconvenience
this may have caused. We are working on reissuing the card and we appreciate their
patience.
Due to this issue, the customer’s first payment has been deferred until their following due
date.
A letter with additional details was sent directly to Jordan McFadden.Customer response
01/29/2025
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID 22823552, and find that this resolution is satisfactory to me.
If the card actually shows up that is. I never got a call from you guys. I did try calling several times before to get this taken care of. But as long as it actually shows up and the payment date is moved then i'm ok with it
Sincerely,
Jordan McfaddenInitial Complaint
01/16/2025
- Complaint Type:
- Sales and Advertising Issues
- Status:
- Answered
12/13/24,01/15/2025 on these dates I was charged return check charge that this company actually charged an account that was closed that I had called and spoke with a representee on 10/18/24 asking to remove that account and from doing auto pay and was still charging for the month of dec and January they tried once again to charge account that is no longer open and then charged me for December and January. Then when I asked to refund the two months that the problem was on their end, they only want to refund one month. All I want is to have those two chargers removed and the old account that they are doing auto payment removed from future charges. They have on my account where I called and spoke with someone on that day 10/18/24 and asking them to remove it. They should have the recorded phone call of that conversation.Business response
01/23/2025
BBB Complaint ID # ********
Our records indicate that the customers account was enrolled in a recurring payment
schedule. The customer cancelled this schedule on two occasions and then reenrolled using
the same payment account. Multiple recurring payments were returned unpaid resulting in
fees.
We reviewed the call referenced in the complaint and found that the representative
recommended that the customer contact their ******************** institution for further information
regarding the returned payments and the customer advised that they would update their
recurring payments online. We have no record of a request for the representative to alter the
payment schedule at that time.
During a later call, the recurring payments were cancelled per the customers request, and the
representative waived a returned payment fee as a courtesy. While we regret any
dissatisfaction, accounts can receive only one courtesy returned payment fee waiver in a 12-
month period.
As of the date of this response, the account is not enrolled in recurring payments. Should the
customer wish to reenroll, they may do so on our website, mobile application, or by phone.
A letter was sent to the customer with further information.Initial Complaint
01/16/2025
- Complaint Type:
- Order Issues
- Status:
- Answered
I am not liable for this debt and I do not have a contract with MERRICK plus they did not provide me with the original application like I asked. Account No: **************** Amount Disputed: $993Business response
01/22/2025
BBB Complaint ID # 22821122
Our records indicate that the account was opened with an electronic application.
Subsequently, the account was used for purchases and payments were applied to the
balance. Due to non-payment, the account charged off with an outstanding balance. Please
note that we have no record of prior correspondence requesting a copy of the application.
Upon receipt of the customer’s complaint, an investigation was conducted regarding their
claim of identity theft. Based on our investigation, the claim was denied as the account
information matches their personal records.
The Fair Credit Reporting Act (“FCRA”) requires that, as a furnisher of information to
consumer reporting agencies, we report accurate information regarding a consumer’s
account history. We have reviewed the account and determined that the information reported
was complete and accurate as of the date(s) we furnished it. As such, in the absence of
additional facts, we will not change the reporting of the account to the consumer reporting
agencies.
A letter with additional details was sent directly to Pamela J. Bennett, along with account
documents.
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Customer Complaints Summary
1,690 total complaints in the last 3 years.
490 complaints closed in the last 12 months.
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