Complaints

• Initial Complaint

  01/16/2025

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  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: $993

  

  Business 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.

• Initial Complaint

  01/11/2025

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I had gotten a new bank account in September of 2024, I forgot to reset up autopay causing me to miss Octobers payment, on October 10th I made a payment of $50 towards me $110 min payment due and set up the autopay to take the remaining $60 and continue making the min payment each month moving forward, when setting up autopay it does not disclose that it will still be pulling out the full $110 due for the next due date. Thus causing that payment to return and fall past due again, causing this issue to come back up in December, they attempted to pull $141 which returned as well, causing an additional late fee. I called today 1/10/2025 and explained what caused the account to fall behind and that it was due to lack of disclosures upon autopay enrollment and request the late fees for November and December to be waived since I have now made a payment of $224 towards bring the account current. When speaking with one agent she waived one of the fees, I spoke to a supervisor for the second who was zero help at all. Stated they would submit it for review and they do not have the ability to make any exceptions due to this lack of information. This is ridiculous. What is the point of supervisors if they cannot make any decisions when it comes to fee waivers based on the situation? I have otherwise been on time each month and would appreciate both fees to be waived.

  

  Business response

  01/21/2025

  BBB Complaint ID # *****************************
  Our records indicate that the customer set up a new recurring payment schedule to withdraw
  the minimum payment as shown on their last billing statement. The first recurring payment
  was returned due to insufficient funds, thus increasing their subsequent minimum payment
  amount.
  As advised during the enrollment process, we offer options for recurring payments of either
  the last statement balance or the minimum payment as shown on the last statement. Please
  note that these recurring payments continue to process as scheduled, even if a customer
  makes additional payments in that billing period, unless they cancel the pending payment. As
  such, while the customer made a one-time payment, their recurring payment processed for
  the minimum payment on their statement and was returned due to insufficient funds. Their
  following payment was also returned for this same reason. As a result, fees were assessed,
  the account became past due and was reported as such to the consumer reporting agencies.
  As this delinquency is accurate, it will not be removed.
  The customer recently contacted us to request fee waivers. The representative waived one
  late fee as a courtesy and transferred the call to a supervisor for further assistance. While we
  regret any dissatisfaction, as the second waiver requested was outside of policy, it required
  additional review. The supervisor submitted the customers request, which was approved
  later that same day, and both waivers will appear on their next statement.
  A letter was sent to the customer with further information.

• Initial Complaint

  01/10/2025

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  I'm not liable for this debt with Merrick Bank, I do not have a contract with Merrick Bank. They did not provide me with the original contract as I requested.

  

  Business response

  01/23/2025

  BBB Complaint ID # ********
  Our records indicate that this account was opened and used for purchases but no payments
  were received. The account charged off due to non-payment with an outstanding balance.
  We received prior correspondence from the complainant advising that this account was a
  result of identity theft. An investigation was conducted but denied based on the information
  on file that linked to the complainant. As these letters claimed identity theft, they were
  handled via our fraud investigation process, which does not include sending validation
  documents. We apologize for the inconvenience this caused.
  Upon receipt of the BBB complaint, we completed a new investigation for identity theft, and
  the claim was accepted. As such, the complainant is not responsible for repayment of the
  balance, and we requested that the consumer reporting agencies delete the tradeline
  associated with this account from their personal credit file.
  A letter was sent to the complainant with further information.

• Initial Complaint

  01/10/2025

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am not accountable for the debt claimed by MERRICK BANK CORP. There is no contractual agreement between me and MERRICK BANK CORP, and they have not provided the original agreement as requested.

  

  Business response

  01/22/2025

  BBB Complaint ID # BBB 22793310
  Our records indicate that the account was opened with an electronic application, used for
  purchases, and charged off due to non-payment with an outstanding balance. The reporting
  of the account was previously verified in response to indirect disputes claiming identity theft.
  We have no record of direct contact requesting validation documents. The customer's repeat
  claim has been denied. 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 Yosbel Gonzalez.

• Initial Complaint

  01/09/2025

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  January to December on the28Th Every month.67.00 a month Merrick Bank Credit Card.The Credit Card worth for ***** dollars They not solving but just want the interest 37.5% for any amount I sent in.

  

  Business response

  01/17/2025

  BBB Complaint ID # *****************************
  This account is enrolled in a recurring payment schedule, and we have received monthly
  payments keeping the account current.
  Finance charges on purchases are assessed each month that the balance is not paid in full
  by the due date even if the card has not been used for new charges within that billing period
  as per the cardholder agreement.
  We confirmed that the Annual Percentage Rate (APR) was correctly established in
  accordance with the terms and conditions of the account. The initial APR for purchases and
  cash advances were fully disclosed in our initial offer of credit and again when the credit card
  was received. Additionally, the interest rate is variable and will adjust accordingly with
  fluctuations in the Prime Rate.
  Please note that this complaint was submitted by a third party and for the security of the
  account, we can only disclose account details to the primary cardholder. A response was
  sent to the cardholder with further information.

• Initial Complaint

  01/09/2025

  Complaint Type:

  Sales and Advertising Issues

  Status:

  Answered

  More info

  I had a paid off Credit Card with Merrick Bank, with a $1,000 Limit in which I had paid and asked to be closed. I had to make many calls to this company with little to no luck of getting someone to get on the call without being disconnected. Fast forward a month later early in 2024 I get a statement with charges exceeding my line with fraud charges I never charged. I called and after again many attempts I explained the senerio they were not my charges and I would not be paying. There is no where on there site to do this so I had to call. It took me two days of calling just to get through to them. I was basically brushed off as no one would ever get back to me and now I am being harrassed by ********************** stating I am being sued for $2000 for them selling this bad debt to a collection company. How is this even right and why should I have to pay for fraud charges they did not handle correctly.

  

  Business response

  01/23/2025

  BBB Complaint ID # *****************************
  Our records indicate that this account was opened with Merrick Bank. We have no record of
  the balance being paid in full or of a prior closure request. The card was used for new
  purchases following the last payment and we attempted to contact the customer to verify if
  these charges were fraudulent. The customer contacted us in response to these notifications.
  Their calls were transferred to the department that could assist but were then disconnected.
  We thank the customer for their patience and apologize for the long hold times as we
  continue to assist all of our customers. We have no record of any more recent calls with
  Merrick Bank, as indicated in the complaint.
  Due to non-payment, the account was then closed and charged off. Please be advised that
  at charge off, CW ******************************** I became the owner of the account.
  ********************** is no longer servicing the account and is unable to adjust the balance or
  provide details regarding any collection attempts post charge off. If the customer believes
  that any charges are fraudulent or if they have concerns regarding the collection efforts on
  the account, they may contact CW ******************************** I directly at P.O. Box
  ****************************.
  A letter was sent to the customer with further information.

• Initial Complaint

  01/07/2025

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Merrick credit card would not take off a fraud charge years ago. They closed my account because I refused to pay for the fraud charge. I told them I would pay for what I charged, but Not the fraud. They denied it. They have not contacted me in years & all of a sudden, this awful bank put a charge off on 2 of the credit bureaus without notifying me first, which is the law. I had an attorney to write a letter about the 2 credit bureaus. (Certified mail). Once they got the letter, they then put the charge off on the 3rd credit bureau without any ***************** score went down 22 points. These people are evil. I will have to get the attorney send them another letter. I see a law suit coming up if they do not take the charge off from all 3 credit bureaus. I would never use Merrick Credit cards if I were you. I learned the hard way. They do not take fraud charges off. DON'T trust them.

  

  Business response

  01/16/2025

  BBB Complaint ID # *****************************
  Our records indicate that the customer's dispute of rental transactions for incorrectly billed
  amounts was twice denied due to lack of evidence in support of a billing error. The account
  subsequently charged off for non-payment. A statement reflecting the charge-off was issued
  to the customer and the charge-off was reported to the consumer reporting agencies on the
  same date. The reporting of the account was previously verified in response to indirect
  disputes submitted to the consumer reporting agencies. The customer's dispute remains
  denied; 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 ***** M. ******.

• Initial Complaint

  01/07/2025

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  I am not liable for this debt with Merrick Bank. There is reporting of inaccurate payments between equifax and transition. Also there is incomplete credit information. I demand this to be removed from credit report immediately under federal law.

  

  Business response

  01/15/2025

  BBB Complaint ID # *****************************
  Our records indicate that the account was opened with an electronic application, used for
  purchases, and charged off for non-payment. In the absence of additional facts, we will not
  change the reporting of the account to the consumer reporting agencies.
  A letter with additional information was sent to the customer.

• Initial Complaint

  01/06/2025

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  Merrick bank Is refusing to abide by the standards of the fair creditvreporting act by not removing an account from my credit report that I've stated and proven to be fraudulent I've given ample proof and they've responded thst the account was accurate which there is no attainable proof this is a violation of fcra 605b 15usc 1681c2

  

  Business response

  01/15/2025

  BBB Complaint ID # ********
  We have reviewed the complainants correspondence; however, we are unable to locate an
  account based on the information provided. In order to assist the complainant, we require
  additional identifying information. Once this information is received, we will be able to assist.
  A letter with additional details was sent directly to ******** ******

  Customer response

  01/15/2025

   
  Complaint: 22773697
  
  I am rejecting this response because: it's stating my information cannot be located my ssn is *********** dob ****** this account is fraudulent and was not opened by me 
  
  Sincerely,
  
  ******** ******

  

  Business response

  01/24/2025

  BBB Complaint ID # ******** Rejection
  Our records indicate that the customer's account was opened with an electronic application,
  used for purchases and charged off due to non-payment with an outstanding balance. The
  customer previously acknowledged ownership of the account and requested a goodwill
  adjustment to their credit report, which was denied. The reporting of the account was
  previously verified in response to indirect disputes and phone contact claiming ID theft. A
  reply was issued to the customer's previous complaint with the ******************** requesting additional
  information to identify the account. The customer's repeat claim has been denied. 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 ******** G. ******.

  Customer response

  01/24/2025

   
  Complaint: 22773697
  
  I am rejecting this response because: it is inaccurate I've never requested a good will adjustment this account is fraudulent and a matter of identity theft merrick bank can comply with the fcra and fdcpa or be sued there's no proof that I personally gave a wet ink signature for a credit card 
  
  Sincerely,
  
  ******** ******

• Initial Complaint

  01/06/2025

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I recently reviewed my credit report. I found the following errors in my Credit Report. Mention that I'm a victim of identity theft. Compose me a dispute letter to BBBFollowing Accounts are not mineCreditor NameOpened DateAccount Number MERRICK BK11/14/2018412061803823****DISCOVERBANK11/7/2021601100506705****I request:Immediate removal of this account from my credit report.Verification of the fraudulent nature of the account with ******************** BK.This situation has caused undue stress and inconvenience, and I expect your prompt attention to resolve it

  

  Business response

  01/17/2025

  BBB Complaint ID # *****************************
  Our records indicate that the account was opened with an electronic application, used for
  purchases, and charged off for non-payment. The account was previously verified in
  response to indirect disputes through the consumer reporting agencies. The customer's claim
  of identity theft has been denied based on our investigation verifying the personal information
  associated with the account. 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 ****** O. ********.

*Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business. ↩