Merrick Bank Corporation

Complaint: ***
I am rejecting this response because:I still feel I was done wrong and not notified in a timely matter, and even when I was notified I paid the balance of fees in full IMMEDIATELY. Our entire payment history with this account has always been paid on time and in fullIts not like I am a customer that abuses our priveleges. This same situation has happed to other customers that have reported on Revdex.com as well, and they removed the delinquency from that parties creditSo why should I be treated differently? This is the only thing affecting our perfect credit and is now putting our family at risk of being homeless due to denials due to this delinquency
Sincerely,
*** ***

A review of Mr***’s account was conducted. Mr*** opened the account in February and has used the account for the purchase of goods and services. In August, Mr*** informed Merrick of the fraud on his account. An investigation into the fraud was
conducted. The merchant who was the subject of the alleged fraud was *** Car Rental. Mr*** explained to Merrick when the claim was opened that he had rented a car from ***, had returned it in a hurry and did not have a receipt showing that the car was returned. *** billed his Merrick account for additional time until they recovered the car and considered it returned. Mr*** could not supply any documentation to support that the card was returned on the date he claimed. Instead Mr*** filed a police report claiming identity theft against ***
*** agreed to issue a courtesy credit in the amount of $but Mr*** was not satisfied with that result. The credit from *** was never received for Mr***’s account so Merrick issued a charge back for that amount for the reason of “credit not processed.” The credit became final in September.
It is unclear where Mr***’s claim of a fraud balance or $results from. He has never made such a claim to MerrickTherefore we are unable to address that issue
I reviewed the calls recorded on Mr***’s account. None of the calls were harassing or argumentative. All of the calls were a result from Mr*** calling Merrick regarding his dispute with ***. All of the representatives attempted to explain that there was nothing else Merrick could to regarding this particular claim. Mr*** was not happy with that result. Mr*** claimed during the calls that the statements sent on the account, which are required by regulation were harassment as well as email notifications for his account where also harassment according to him
Mr*** has not made any payments on the account since July 2015. The last payment received was July 15, 2015. Merrick has not refused payment on the account.
Mr*** has used the account and the credit associated with it. He is obligated to pay the account balance that he legally owes. Merrick has followed the card brand rules and Bank policy in processing Mr***’s fraud claimHis only recourse now lies with *** if he still believes they owe him a credit on the account. Merrick has exhausted its ability to help further with this issue

Complaint: ***
I am rejecting this response because: I believe I am entitled for addition credit because of all the time I took on the phone trying to deal with an issue that your reps started by providing information
Sincerely,
*** ***

The phone number shown on the complaint by Ms*** was provided on an account by the account owner. The number has been removed as of 4-12-and will not be called again concerning the Merrick accountMerrick apologizes for any distress this may have caused

Merrick has requested that the trade line associated with the account where Mr*** was the authorized user be deleted. This process can take up to days to be completed by the Credit Reporting Agencies

Complaint: ***
I am rejecting this response because: the account is closedI will no longer make any monthly payments until this issue is resolvedIf the company's position is that I will continue to pay the annual fee and monthly interest without having the ability to use the card, I will let the account become delinquent and be submitted to a credit agency and pay via a payment plan instead of paying monthly interest on a card the business decided to close due to no breach of contract on my partWorst customer service ever!
Sincerely,
*** ***

Ms*** opened an account with Merrick in July 2015. She has used the account for the purchase of goods and servicesOn April 15, Ms*** contacted Merrick to dispute some charges on her account. After receiving information regarding the charges in question Merrick issued a
credit to the account in the amount of $which is shown on the statement date August 29, 2016. A copy of that statement is attached If Ms*** still contends there are additional fraud charges she will need to initiate an additional claim that Merrick will investigateIf she continues to have questions regarding this issue she can contact us at 800-253-for assistance

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me
Sincerely,
*** ***

A review of Mr***’s account was conducted. This review included the calls from September made on the account. Merrick apologizes that Mr*** did not have a positive customer service experience. On the second call it was clear that Mr*** was distressed by the
interaction with the customer service representative. The call appeared to have ended before the representative could complete an explanation about why account information could not be provided to his wife without a written request Merrick’s procedure is to request a power of attorney when the account owner is asking Merrick to allow someone other than themselves to assist with the account in some manner. This is to protect the account owners personal financial information from being obtained by someone who is not directly authorized by the account owner Ms*** explained that Mr*** had not received the EMV card that has been issued on the accountBased upon Mr***’s complaint Merrick has reissued the EMV card that had been previously sent to him. We have closed the old account and reissued the card under a new account number. Merrick has sent this new card to Mr*** at the address of record via Fed Ex and he should receive it in 2-days Mr*** can add his wife as an authorized user to the account or he can send us a letter signed and notarized by Mr***, stating that his wife is authorized to obtain information and make payments on the account. Merrick takes account holder complaints very seriously. We apologize again that Mr*** did not have a positive experience when he contacted us

A review of the account has been conducted. It is Merrick’s procedure to review accounts
and automatically give credit line increases to those accounts which
qualify. One of the criteria that
Merrick is required to consider is the “ability to pay”This means that we
look at the
account performance here at Merrick along with credit bureau data, and
the debt to income ratio for the accounts being reviewed
If the accounts being reviewed meet that criteria review and
the other factors considered Merrick will automatically give a credit line
increase in varying amounts to those accounts.
If an account does not meet the criteria review then those account will
be re-considered in a later reviewThe timing of those reviews is usually
every quarter or no later than yearly for every account
In Mr***’s case his account has not met the criteria
reviewed for a credit line increase.
This does not mean he won’t get one in the future, but it will depend on
the factors being considered
Merrick does not give “on demand” credit line increasesMr
*** will be notified by email or regular mail if or when the account has been
given an increase

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me
Sincerely,
*** ***

Mr*** opened an account with Merrick in May, 2012. Mr***’s account has had a zero balance and there has been no activity for a year or more. Merrick’s decision to close the account was based upon the inactivity of the account and no other reasonThe cardholder agreement between
Mr*** and Merrick allows either party to close the account at any time, and allows Merrick to do so for any reason without prior notice. Merrick will not reopen ***’s account

Complaint: ***
I am rejecting this response because: I need a written statement from Merrick bank that state they ve resolved the issue
Sincerely,
*** ***

Ms*** opened an account with Merrick in February and has used the account for the purchase of goods and services. On August 15, Ms*** called Merrick and spoke to a representative in the dispute department about a transaction that she had made on March 29, with a
company who she thought would assist her with her student loans. Merrick received a letter regarding that transaction on October 20, indicating that the merchant had mis-represented themselves. Ms*** explained that she had contacted the merchant on July 29, and cancelled the service, she also requested a refund from the merchant during that callThe merchant declined to provide a refund according to Ms*** The Fair Credit Billing Act (“FCBA”) requires an account holder to notify the Bank within days of the time a transaction appears on a periodic statement that they are disputing the transaction. Ms*** did not do so, she did not contact Merrick until months after the initial transaction appeared on her billing statement. Also, Ms*** indicated that she made the transaction, but was dissatisfied with the service. This does not constitute a billing error Ms***’s remedy lay with the merchant regarding this issue. There is no further action Merrick can do to assist Ms***

Merrick has no further response

Mr*** agreed to the fees when he opened and used the account. Merrick has waived the fee and there is no other action available for this account

When Mr*** called Merrick on September 25, and requested a fee waiver for the returned payment fee the representative explained that they would make the request but that they could not guarantee it would be waived. The request was declined and the fee remained on the accountOn
November 1, Mr*** called back the representative explained they would again request that the fee be waived. According to the account notes the $fee was waived on November 2, 2016. Mr*** should see this adjustment on his next statement

Tell us why hereMerrick’s records show that Ms*** opened an account with Merrick in March The due date on the account is 12th of each monthIn July 2017, the account became delinquent and was reported as suchStatements for the account show there were no payments received for the month
of June and the July payment was received after the due dateThe credit reporting for the account is correct and accurate according to the history of the account. Merrick will not delete or change the reporting for the account. To do so would be a violation of the Fair Credit Reporting Act and the Bank’s policyThere have been no issues with the Bank’s payment website in the last months

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me.Prior was *** ** *** *** *** *** ** *** *** ***
Sincerely,
*** ***

Complaint: ***I am rejecting this response because: The actual complaint was not addressedFirst of all thank you, Merrick Bank for your responseNow, my concern is not that Merrick closed the accountAs Merrick Bank stated in there response, they attempted to draw a $payment, when there was only a balance on the accountThat is when I contacted my bank and reported that the amount removed from my account was not owedHad I been notified that Merrick Bank was going to close the account, I would not have made any further charges on the accountMy complaint is that after closing the account, Merrick Bank refused payment several times, until my account was over days past dueBefore this, I had not a single late payment on my credit report, in years! I was forced to open another checking account, just to pay Merrick Bank! Under the F.C.R.Athis debt is no longer valid after payment refusal from the creditorI have since payed the debt regardless, and am determined to defend my good nameHad Merrick Bank not refused my payments, I would not have this blemish on my credit, that will ultimately cost me in interest chargesThe Revdex.com was my first attempt at clearing the record, now I am contemplating a defilation, and damages claimAll I really request, is that my good name is restored on my credit report by removing the negative marks.,Sincerely,*** ***