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Complaint Details
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Initial Complaint
01/09/2025
- Complaint Type:
- Billing Issues
- Status:
- Answered
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
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
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
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
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 1681c2Business 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
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 itBusiness 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. ********.Initial Complaint
01/04/2025
- Complaint Type:
- Billing Issues
- Status:
- Answered
I am writing to formally lodge a complaint against MERRICK BANK for its repeated actions of reopening an account that I had previously closed. This practice is both disruptive and potentially harmful to my credit score and financial stability.Business response
01/15/2025
BBB Complaint # ********
Our records indicate that the account was opened with an electronic application and
used for purchases. Due to non-payment, the account was charged off with an
outstanding balance. We have no record of a previous request for account closure or
of the account being reopened. 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 ****** ********.Initial Complaint
01/04/2025
- Complaint Type:
- Product Issues
- Status:
- Answered
On December 15th 2024 I made a payment of $35. I received the email about a week later stating that the money had been returned because my account was closed. My bank account was never closed and I never received a refund and now I'm being harassed with phone calls saying that if I make a payment then I would be able to use my Merrick Bank account again because at the moment is suspended.I made my payment on time and I feel like this is something that is legally wrong and I feel like they can do it whenever they want and I will be going through this issue again.Business response
01/16/2025
BBB Complaint ID # ********
Our records indicate that we received the customers payment; however, it was returned
unpaid by their financial institution. As no valid payment was received by their due date, the
account was accurately assessed a late fee, and their payment account was deactivated.
Late fees are assessed when payments equaling or exceeding the minimum amount due are
not received by the payment due date.
As a result of the returned payment, the account became past due and outbound calls were
placed in an effort to assist the customer with bringing the account current. Please be
assured that these calls were made in accordance with applicable laws. We recommend that
the customer contact their ******************** institution for additional information regarding the
returned payment, as Merrick Bank did not receive the funds.
The customer called and spoke to multiple representatives regarding their payment. The
representatives advised that the payment was returned by their financial institution and the
payment account was deactivated. In addition, they were advised that their Merrick Bank
account remained open and to contact their financial institution regarding the payment, as
Merrick Bank did not have possession of the payment, as it was never received.
Upon further review, we determined that during a call, the customer requested no further
telephone communication; however, the representative failed to update their account. We
apologize for the inconvenience this may have caused. Please note that we require an active
phone number on the account. As per section 22 of the Cardholder Agreement, You agree
that we may refuse to authorize Purchases or Cash Advances or close your Account if we
are unable or unauthorized to contact you by telephone.
As a courtesy, we waived the $29.00 late fee, which will be reflected in their next monthly
billing statement.
A letter with additional details was sent directly to ***** *****, along with account
documentsInitial Complaint
01/04/2025
- Complaint Type:
- Product Issues
- Status:
- Answered
Yes I got approved for a credit card. But did not get a email response after words. I called the bank and lady was rude she said takes 30 days too get card. They did a hard inquiry on my credit. This is nuts they have no record of my application. Yet they did hard credit check. Not happy.Business response
01/15/2025
BBB Complaint ID # *****************************
Our records indicate that we received the customer's electronic application and an inquiry
was made on their credit report to determine their creditworthiness. Our representatives
accurately advised the customer during their call on the same date that the application
remained under review. We found no instance of unprofessionalism nor misinformation. The
account was subsequently opened and a new card was issued to the customer's address on
file.
A letter with additional details was sent directly to ***** ****.Initial Complaint
01/02/2025
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
Merrick Bank closed my account in January 2019. Ive been trying to pay them off. Every month they continue to charge late fees and annual fees to the account totaling $46. I would have been done paying off the card if not for the fees. This has to be illegal.Business response
01/15/2025
BBB Complaint ID # *****************************
Our records indicate that the customer's account was closed due to a high risk of returned
payments and fees were assessed for returned and missing payments in accordance with
their cardholder agreement. Monthly installments of the customer's annual fee will continue
to assess while the account maintains a balance. The balance remains owed and the
account is currently past due.
A letter with additional details was sent directly to ******************
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Customer Complaints Summary
1,681 total complaints in the last 3 years.
484 complaints closed in the last 12 months.
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