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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
06/24/2024
- Complaint Type:
- Service or Repair Issues
- Status:
- Resolved
I did an online payment for $200 using a debit card on June 16, the payment was never posted on my credit card account. I called 4 different times and everyone one kept giving me excuses, I upload the proof of the payment and no one has been able to help me. A supervisor name ****** told me to do a dispute with my bank because they don't have a way of fixing the payment (even with the receipt of the payment). Very bad experience.
Business response
07/08/2024
BBB Complaint ID # ********
Our records indicate that no payment was received by the customers due date. As a result, a
late fee was assessed. Late fees are assessed when payments equaling or exceeding the
minimum amount due are not received by the payment due date.
Subsequently, the customer spoke with multiple representatives regarding a payment that
they submitted via our third-party processor. One representative advised that due to a
system issue, payments were not processed as expected. We apologize for the
inconvenience this may have caused the customer.
Following this, the payment posted to the customers account and was backdated to the date
of receipt. Please note, their account was not reported past due as a result of this issue.
As a courtesy, a request was submitted to waive the aforementioned late fee.
A letter with additional details was sent directly to ***************** **********, along with account
statements.Customer response
07/08/2024
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,
*****************************Initial Complaint
06/23/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
I am writing in regards to my mother, *****************************, account, ending in 8623. My mother is an elderly woman with health issues, thus I have been helping her pay her bills over the past year-year an a half. There has been problems with Merrick and my family, they charged my brother a lot of money, and we were looking into sueing as we went through here, the BBB and they stopped responding after admitting wrong doing and still not correcting it. My mother is on S.S. and the first thing they done years ago was change her due date from the begining of the month to the end, knowing how S.S. works so she's had to wait and pay the bill later than the rest of them. She had problems doing this in the past, but I got her back on track. I know for a fact she has been paying this on time for months. She hasn't used the card in over a year, cause I told her not too because of the scams they do, and to find out she's over, and Merrick has claimed she didn't pay, or have held the checks for a month, which was the last payment they got, and caused her to think everything was taken out and she got an overdraft fee. My mother has douplicate checks, so I have proof of what she sent, and when she sent it, and you have been holding them and saying you didn't get them and charging her late fees every month. You're taking advantage of an elderly lady, I tried to see if I could get her a loan through Credit Karma, but you've falsely reported these claims and ruined her credit. She will not pay another dime to you, you will close the account with a zero balance, or I'll take all the proof of how you screwed my brother ****, Myself, and my mother over, and I'll file a lawsuit, in ******* you don't need a lawyer to file, and you'll be paying me, this is wrong, you're s******* people over when most can't afford hike in bills and groceries. You should be ashamed, I have more than enough proof of your wrong doings. And I am well prepared for a fight.Business response
07/03/2024
BBB Complaint ID # ********
Please note that this complaint was submitted by a third party. For the security of the
account, we are only able to provide information to the primary cardholder.
A letter was sent to the primary cardholder with additional information.Customer response
07/03/2024
Complaint: 21889808
I am rejecting this response because: I'm not playing games with you. I took over my mother's finances. You have been taking advantage of her. Expect a lawsuit.
Sincerely,
***************************Initial Complaint
06/19/2024
- Complaint Type:
- Order Issues
- Status:
- Answered
I am not glyable 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
07/01/2024
BBB Complaint ID # ********
Our records indicate that the account was opened with an electronic application and was
used for purchases. 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, as referenced in the complaint.
Upon receipt of the customers complaint, we conducted an investigation regarding their
claim of identity theft. The claim was denied as the account information matches their
personal details.
The Fair Credit Reporting Act (FCRA) requires that, as a furnisher of information to
consumer reporting agencies, we report accurate information regarding a consumers
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
06/18/2024
- Complaint Type:
- Order Issues
- Status:
- Answered
I am not liable for this debt with Merrick Bank Corporation. I do not have a contract with this credit agency, they did not provide me with the original contract as requested.Business response
07/02/2024
BBB Complaint ID # ********
Our records indicate that this account was opened with an electronic application and used for
purchases. Due to continued non-payment, the account charged off with an outstanding
balance. Please note, we have no record of prior correspondence requesting a copy of the
application, as referenced in the complaint.
Subsequent to charge-off, we received payments which decreased the outstanding balance.
We received the customers Automated Consumer Dispute Verification form (ACDV) filed
through the credit bureau disputing the reporting of the account. The account was reviewed,
and a response was provided directly to the consumer reporting agency confirming that the
account is reporting accurately.
Upon receipt of the customers complaint, we conducted an investigation regarding their
claim of identity theft. Based on the results of our investigation their 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 consumers
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
06/17/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
Fraudulent charges started 4/27/24 9.97 and ***** charges called CS .. replaced card and investigation started and got charges reversed/ refunded Now on 6/6/ paid off my entire balance on card and a new charge of 9.97 shows up and call CS again and said it is fraudulent charges bc I have a balance now which previously was $0 balance and they wont decline/ reverse/ refund amount of the 9.97 and told me to call merchant and fix it I do call them 6/17/24 and they said yes there were charges and refunded all amounts and account is closed on their end. I am sending a written letter to Merrick bank to dispute the charges but I feel they are not doing their promise of 0 liability fraudulent charges on me is not true to their advertisement! Im mad as h*** and want this resolved ASAP!!Business response
07/01/2024
Merrick Bank is in receipt of your complaint. We appreciate your patience while we conduct our investigation. Upon conclusion,we will respond to you directly, verbally or in writing, to address your concerns.Initial Complaint
06/17/2024
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
I was scammed online. I did a chat and was told I was being charged $5. My card was charged the $5 plus another $46. I disputed it and the customer service guy told me it was fixed and I was credited! A week later they charged me anyway. I was lied to online and then from Merrick bank. Im closing my account over the $46 ! I was scammed!Business response
07/01/2024
Merrick Bank is in receipt of your complaint. We appreciate your patience while we conduct our investigation. Upon conclusion,we will respond to you directly, verbally or in writing, to address your concerns.Initial Complaint
06/13/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
Dear Better Business Bureau,I am writing to file a formal complaint against Merrick Bank Corp regarding an unauthorized account that has been reported on my credit report. Despite my efforts to resolve this issue directly with Merrick Bank Corp, the account remains on my report.Details of the unauthorized account are as follows:Creditor Name: Merrick Bank Corp Opened Date: 6/29/2022 Account Number: **************** I have never applied for or opened an account with ********************** Corp. This account's presence on my credit report is negatively impacting my credit score and financial standing. I have contacted Merrick Bank Corp to dispute this account and provided the necessary documentation to support my claim that this account is fraudulent. Despite my efforts, the account has not been removed from my credit report.I request that the Better Business Bureau investigate this matter and assist in getting this unauthorized account removed from my credit report. Merrick Bank Corp should take immediate action to correct this error and ensure that no further unauthorized accounts are reported in my name.Thank you for your assistance in resolving this urgent matter.Business response
06/27/2024
BBB Complaint ID #********
The account was opened with an electronic application and was used for purchases. Due to
non-payment, the account charged off with an outstanding balance.
In response to the BBB complaint, as well as two letters that were sent by the customer to
our office, we conducted an investigation regarding their claim of identity theft. The claim was
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 consumers
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
validation documents and a copy of the fraud claim denial letter.Initial Complaint
06/12/2024
- Complaint Type:
- Order Issues
- Status:
- Answered
I am not for this debt and i do not have the contract with MERRICK BANK plus they do not provide me with the original application liked i askedBusiness response
06/26/2024
BBB Complaint ID # ********
Our records indicate that the account was opened with an electronic application and used for
purchases. 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, as referenced in the complaint.
We received the customers Automated Consumer Dispute Verification (ACDVs) forms filed
through the *************************** (CRAs) disputing the reporting of the account. In
each instance, the account was reviewed, and responses were provided directly to the CRAs
confirming that the account is reporting accurately.
Upon receipt of the customers complaint, we conducted an investigation regarding their
claim of identity theft. Based on the results of our investigation their claim was denied, as the
account information matches their personal records. A letter was sent to advise them of the
denial.
The Fair Credit Reporting Act (FCRA) requires that, as a furnisher of information to
consumer reporting agencies, we report accurate information regarding a consumers
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
06/12/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
This pradator lending has ruined my credit over past 12months has droped my score by over 100 points. I called 6/12 cause i noticed my credit droped another 14 points from them, they say i have a $35 late fee but i dont have to pay anything till july 1st, so when i made a payment in 5/1 i was never told abut th is late fee, so it keeps runing to more late fees and keep adding to my *** credit balance.Business response
06/27/2024
BBB Complaint ID # ********
Our records indicate that a recent payment was returned unpaid by the customer's ********************
institution due to invalid account information. As a result, a late fee was accordingly assessed
to the account. During our subsequent call, our representative successfully processed the
customer's payment to bring the account current and waived the aforementioned fee. The
customer's subsequent billing statement was issued reflecting the aforementioned credit and
a new minimum payment due. Due to non-payment, an additional late fee was assessed to
the account.
The customer contacted our *************************** regarding an unusually large
charge on the account. Our representatives accurately advised that no such charge was
assessed to the account, that a waiver for the earlier fee had been processed, and that a
new fee had been assessed for non-payment in the previous billing period. Please be
advised that we have no record of delinquencies reported to the consumer reporting
agencies or of fees or transactions exceeding the customer's credit limit, as indicated in the
complaint.
The Fair Credit Reporting Act (FCRA) requires that, as a furnisher of information to
consumer reporting agencies (CRAs), we report accurate information regarding a consumers
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.
While we report accurate information, the way in which this information is displayed is at the
discretion of the CRAs.
A letter was sent directly to ************************* with further information.Customer response
06/28/2024
Complaint: 21841414
I am rejecting this response because:, there predatory practices ,i was never told about the new late fee when called and made my complete uptodate payment , to find out later a new late fee was imposed and still owed on the accon my account again imposing another late fee. "Consumer Financial ***************** Releases Final Rule on Credit Card Late Fees, with Overdraft Fees on Deck. On March 5, 2024, the Consumer Financial ***************** ******** announced the final rule governing late fees for consumer credit card payments, likely cutting the average fee from $32 to just $8".I will be reporting to cfpb this as well. My biggest regret is that if i have read all bbb review and ****** reviews about merrick bank i would have never signed up.
Sincerely,
*************************Initial Complaint
06/11/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
I opened this account last year and never received the card they charged me an annual fee and stuff but I never received the card and it's on my credit in a limbo status.Business response
06/26/2024
BBB Complaint ID #********
We have reviewed the complaint, but we are unable to locate a Merrick Bank account based
on the information provided. In order for us to assist, we request that the complainant please
provide additional identifying information such as the full account number, the full name as it
appears on the account including any middle initial, the last four digits of the social security
number, the phone number associated with the account, etc.
A letter was sent to the complainant, which includes our mailing address and phone number
to provide the requested information.
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Customer Complaints Summary
1,670 total complaints in the last 3 years.
535 complaints closed in the last 12 months.