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Mercury Financial, LLCThis business is NOT BBB Accredited.
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Complaints
Customer Complaints Summary
- 120 total complaints in the last 3 years.
- 44 complaints closed in the last 12 months.
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Submit a ComplaintThe complaint text that is displayed might not represent all complaints filed with BBB. 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.
Initial Complaint
Date:11/07/2024
Type:Customer Service IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
Mercury Financial LLC has held my credit card application in suspended animation for more than 2 months. BY LAW: Once a creditor has obtained all the information it normally considers in making a credit decision, the application is complete and the creditor has 30 days in which to notify the applicant of the credit decision.They refuse to send an official letter of denial, which is what I need to submit to Credit Karma for the $50 Karma Guarantee. I have called numerous times to request the status only to be told that the application is under review. I received a hard inquiry on my credit report when I applied. That hard inquiry affects my credit rating. I took the hit because I applied under the "Credit Karma Guarantee" and with that "guarantee" of approval or paid $50, if denied, it was a win-win for me.Mercury is scamming by holding applications in suspended animation indefinitely to prevent the required official notice of denial from being sent.I simply need the official letter of denial.Business Response
Date: 11/13/2024
See attached response.Customer Answer
Date: 11/13/2024
Complaint: 22520163
I am rejecting this response because:I informed Mercury that the utility bills are in my husband's name and they told me that was OK and to submit it. It is a blatant lie for them to state they sent multiple emails and received no reply. I submitted the bill twice withmy address just as requested and I have the emails to prove it. I spoke to **** several times reiterating what I was told. Each time I called I was informed the application was still under review. They are NOW just providing an "Unable to Verify" letter only as a result of the complaint.
It is just a tactic to avoid sending the required document. I will be reporting them to other agencies as well.
Regards,
**** *****Initial Complaint
Date:10/31/2024
Type:Billing IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I am writing to dispute the account listed below, as it is not mine. I am a victim of identity theft and have filed a complaint with ***************** regarding this matter.Creditor Name: FB&T/MERCURY Opened Date: 04/22/2021 Account Number: **********Amount: $2,694 Please investigate this matter and remove the account from my ********************** report.Thank you for your attention to this issue.Business Response
Date: 11/08/2024
See attached response.Initial Complaint
Date:09/25/2024
Type:Billing IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
This company is charging interest at the time of purchase anything with this card. They do not wait until the end of your state period. I'm not even sure this practice is legal in the *************. They are costing me hundreds of dollars a month. Even if you pay the balace of a purchase the same day you used the card you still get charged interest. I'm extremely upset about this. No other card I have operates this way. I need to know if this policy is even legal.Business Response
Date: 10/03/2024
See attached response.Customer Answer
Date: 10/03/2024
Complaint: 22335065
I am rejecting this response because:
I was never advised by mailed paperwork of said changes. You market your card to low income individuals. Then you make it impossible for anyone to be able to pay charges off. I have a 100% on time, more then the minimum balance, payment history on everything. You also held returned funds for over 10 days in pending so you could accrue maximum interest on those charges.I watched for an entire month. Same day return on all but one purchase.Your response is totally unacceptable.
Regards,
Melinda BeasleyBusiness Response
Date: 10/10/2024
See attached response.Initial Complaint
Date:09/17/2024
Type:Billing IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I got an incorrect balance with Mercury Credit ************* This balance was incorrect and **** try reaching out to this company with me to express that we have resolved matter. I got the whole conversation recorded that took place Sep 6th 2024 for 16 minutes and 7 seconds. **** employee talk with Mercury employee and let them know that I no longer owe them money because matter was resolved. Mercury still continues to ignore this. I will get **** to send them letter once I return this rental. Glad I didnt use Mercury card for this reservation. I shouldve listened to reviews before letting my mother who was trying to boost score to 800 credit score before buying house. So we was only using this card to get score increase. I will file complaint in court if this last attempt to resolve this matter doesnt work. I should have a zero balance with mercury and I know I actually paid them more than I was supposed to try to show them Im a man of my word. You look into both me and my finances and see we dont have money issues. Shes in her early 70s and was looking forward to purchasing her dream house with just a simple Sun/moon room. This has made everything stressful. Mast last attempt will be to get **** on phone with Mercury again and maybe get **** to send letter saying I dont owe them money. If I owe **** money I wouldnt be able to rent vehicle. Im in wheelchair so this issue is beyond stressful. Because Im already dealing with other life and health issues. To only be dealing with Mercury fraudulent system. Mercury system doesnt knows how to release holds or temporary deposits. Look at reviews from many others and you will see we all have the same or similar complaints.Customer Answer
Date: 09/17/2024
I just want my balance corrected by Mercury and it should be at zero dollarsBusiness Response
Date: 10/04/2024
See attached response.Customer Answer
Date: 10/04/2024
Complaint: 22295805
I am rejecting this response because:
Regards,
Dexter RutledgeAvis told them to allow dispute because the local office had already send it to corporate. Mercury keep saying they can’t dispute it and Avis is on recording saying this to Mercury employees
Business Response
Date: 10/16/2024
See attached response.Customer Answer
Date: 10/16/2024
Complaint: 22295805
I am rejecting this response because:
Regards,
Dexter RutledgeMercury is saying anything in response. I had them on phone with Avis. Avis ask that charges be disputed because accounts in question has already been sent to corporate. If they call Avis, Avis will tell them the same thing.
Initial Complaint
Date:09/11/2024
Type:Billing IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
Subject: Urgent Complaint Against FB&T/Mercury Dear Better Business Bureau,I am writing to seek your urgent intervention regarding a critical issue with FB&T/Mercury. Below are the details of the account in question:FB&T/Mercury:Date Opened: 06/29/2021 Account Number: ********** Balance: $1,300.00 Despite numerous attempts to resolve this matter directly with FB&T/Mercury, they have consistently failed to correct significant inaccuracies in the account balance and have not acknowledged the payments I have made. This ongoing issue has severely impacted my credit score and financial stability.The lack of an effective response from FB&T/Mercury and their failure to address these discrepancies warrant immediate action. I have included all relevant documentation, including prior correspondence and proof of payments, to substantiate my complaint.I urge the BBB to take prompt and decisive action to resolve this matter and ensure that FB&T/Mercury addresses and corrects these errors.Thank you for your immediate attention to this critical issue.Business Response
Date: 09/26/2024
See attached response.Initial Complaint
Date:09/11/2024
Type:Billing IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
The ************ laws apply to debt incurred prior to active duty service; however, there are 3 Key Provisional states that extend the 6% interest cap to debt incurred while in active duty and those are **, OH and **. These benefits extend to the service member and dependents. This business refuses to acknowledge the ** laws surrounding **** application and does not allow me to speak to anyone to further investigate the situation. I am seeking a credit of the difference in interest rates pursuant to the **** and ** laws in *********. Military orders and legislation reference has been provided to Mercury Financial, LLC on multiple occasions.Customer Answer
Date: 09/11/2024
The original date of billing began in 10/2023 and continues monthly with interest accruing as recently has 9/4. My last interaction with representatives of this company was 9/10/24 with no appropriate or viable resolution.Business Response
Date: 09/26/2024
See attached response.Customer Answer
Date: 09/26/2024
Complaint: 22267397
I am rejecting this response because: this is not pursuant to LA law and the laws are not properly applied. Ive provided the statue that applies to LA and this is the only creditor refusing to follow the laws. This will need to be further review or I will be forced to pursue legal action.
Regards,
***** WhaleBusiness Response
Date: 10/03/2024
See attached response.Initial Complaint
Date:09/03/2024
Type:Billing IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I have been making my card payments on the first before midnight this one was made at 5pm and I have been charged a late fee again. This is occurring almost monthly and needs to be stopped. I recieve va disability on the 1st or before based on when days fall and I pay my bill on time.Business Response
Date: 09/12/2024
See attached response.Initial Complaint
Date:08/15/2024
Type:Billing IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
My husband and I both have a credit card with Mercury, individual accounts. I have permission to speak with Mercury on his behalf. Now, they are saying I don't but when I go through a supervisor they say I have permission. They have caused me to get behind $747.95 in payment. They call all the time and ask for me but will not speak to me about his account. I spoke with **** today and requested a supervisor and he told me there was not one available. I asked if he was denying my right to speak with a supervisor. He said one is not available. I told him they have more than one. He put me on hold for several minutes then came back and told me see I told you no supervisor is available. I explained I can't sit here on the phone all day because I am at work. Nothing changed. I need help. Part of struggling also is I have battled covid and not working.Business Response
Date: 08/30/2024
See attached response.Initial Complaint
Date:08/12/2024
Type:Billing IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
Hello,I continue to be charged interest when I pay my statement balance in full by the due date. I recently had a balance transfer to pay off this card because they have become so horrible. ***** shows the balance transfer was completed on the 4th, however this credit card company, Mercury didn't post the payment until the 8th. This isn't the first time they post payments late (intentionally) as I scheduled a payment through their website, received a confirmation email back, and they posted on the 8th again, when my payments are due on the 7th. I just want the interest removed as the late posting of payments is clearly an issue for this company. I have attached the image from my email confirming my payment arrangement. They did remove the interest fee for this payment issue, but they say since they removed this fee (it was their fault) they will NOT remove the next fee, when they posted the payment late from the balance transfer. Please help.Business Response
Date: 08/21/2024
See attached response.Customer Answer
Date: 08/21/2024
Complaint: 22130378
I am rejecting this response because: ************ has repeatedly posted payments AFTER the due date when proof was provided of payments made before the due date. I made scheduled a payment on their website for the payment to be made on the due date and they intentionally posting it after the date of the scheduled payment. Email proof was sent. They are assessing fees fraudulently! I made a balance transfer with another company to pay this card off. That card said it posted on the 4th, Mercury didn't post payment until the 8th, conveniently one day after the due date AGAIN. Scammers!!! So convenient to always post payments late after they sit on the funds gaining interest.
Regards,
***************************Business Response
Date: 08/27/2024
See attached response.Initial Complaint
Date:07/18/2024
Type:Billing IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
On June 18, 2024, Mercury Financial conducted a hard pull on my Transunion credit. I have never done business with this company. I have no knowledge and did not authorize this credit pull. I am reporting it as erroneous and fraudulent.Business Response
Date: 07/24/2024
See attached response.
Mercury Financial, LLC is NOT a BBB Accredited Business.
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