Merrick Bank Corporation

I am unable to find an account under this name or address Please provide the name and address of the borrower and if possible the VIN for the unit that is the subject of this issue Thank you

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

Complaint: [redacted] I am rejecting this response because: There is no possibility that I submitted a totally different account number that has no relevance nor any similarity to any of my accounts, plus I have afterwords seen a lot of complains online that Merrick Bank changes the account information after submitting payment onlineSincerely, [redacted]

Ms [redacted] opened a secured card account with Merrick in March and used the account for the purchase of goods and servicesAt the time the account was opened Ms [redacted] sent Merrick a security deposit of $which equaled the line of credit available on the accountIn June the account became delinquent, on August 26, the security deposit was applied to the unpaid balance, and the account was subsequently charged off in February for non-payment At the time the security deposit was applied, the balance was $The account subsequently incurred additional fees and interest prior to charge-off, and the current unpaid balance on the account is $ According to the account records the credit reporting is correct and accurate Merrick will not remove or delete the accurate reporting of the account from Ms***’s credit file If Ms [redacted] wishes to make arrangements to pay the balance she can contact us at 877-487-and find out what kind of arrangement might be available Merrick also has payment plans and settlement plans to assist Ms***

Complaint: [redacted] I am rejecting this response because: I did not use a credit card to make a paymentIt is my checking account, I provided the routing and account numberAlso, I recieve no apology for bad CSR ***This is no way to treat a customer!! Sincerely, Naomi S***

Complaint: [redacted] I am rejecting this response because: the reason why my account was past due is because your recurring payment plan failed to correctly enroll me and make the recurring payment I set upIn more than a decade I have made payments in time on all of my accounts, including Merrick Bank's, and think is rather unfair to hurt my credit report because of a system issue Sincerely, [redacted]

Complaint: [redacted] I am rejecting this response because: I paid directly on the Merrick website, so there is no check or money orderMerrick has records of paymentsI am trying to deal with Merrick, the business in which I had an account withI do not deal with unknown third partiesThere are too many scammers out there to deal with unknown entities Merrick offered a deal, and I made the first payment to that dealThis payment was made directly on their website, and they know thatThere are no checks or money orders to show, they know that as wellThey also know they made an arrangement then closed my online payment access making it impossible to pay themThey did not follow terms of their own deal, and are in violation of several federal and state laws in their practicesI ma trying to give them the opportunity to settle this rationally before advancing to the next step in resolutionThey are still refusing to settle this matter, as seen in their response Sincerely, [redacted]

Ms [redacted] opened an account with Merrick in June and has used the account for the purchase of goods and servicesThe due date on the account was the 18th of each monthAll of the payments made on the account were received and posted to the account on the date they were received The account had a returned payment in July For the months of August through February a payment was made for less than the minimum payment due or a payment was not received at all This is the reason for the late fees assessed to the account The address on the account was updated in December to the current address in Worcester MA during a phone call with Ms [redacted] Merrick is obligated by law to post payments when it receives them (not when they are sent), and it is Merrick’s policy and practice to post payments to accounts as of the date they are receivedMerrick has found that the US Postal Service is frequently slower than our cardholders expect when delivering payments to our processing centerMerrick performs recurring periodic audits of our payment processor and these audits have shown that delivery times by the USPS vary significantly and unpredictably In addition to making payments via regular mail, please know that Merrick Bank offers the following payment options free of charge which may be beneficial to Ms [redacted] She may schedule one-time or recurring payments at no cost hours a day, days per week: · Phone – Call 1-800-253-to make a payment through our automated system · Online – visit www.merrickbank.com/cardholdercenter to make a one-time payment or setup recurring payments Ms [redacted] can also have payments expedited by using the following optionsKeep in mind a fee may apply with these options: · Overnight Mail – send to Merrick, Merrick Bank Attn: Lockbox Operations # East Grauwyler Rd., BLDG 1, Irving, TX · Money Gram – visit www.moneygram.com and use Receiver code · Western Union Quick Collect – input Merrickbank, NY as the ‘Code City’ · Phone - Call 1-800-253-to make a payment with an associate If Ms [redacted] wishes to close her account she can contact customer service at 800-253-are make that request

Merrick has reviewed Mr [redacted] ’s account Mr [redacted] opened the account with Merrick in December The last payment received on the account was on September 9, for the amount of $ Merrick has received no other payments from Mr [redacted] Mr [redacted] may provide Merrick copies of the cashed money orders so we can research further Once we have received those copies, front and back of the cashed money orders we can determine whether those payments have been received, or have been applied to a different account Without those copies there is nothing Merrick can do to resolve Mr [redacted] ’s issue When Mr [redacted] has the copies of the money orders he can fax those to us Please call us at 800-253-for the correct fax number to send the copies for research If Mr [redacted] discovers that the payments were never cashed, he can request that they be reissued to himHe can then send those reissued payments to Merrick

A review of the account and the disputed charge was conducted Mr [redacted] contacted Merrick Bank on February 11, and disputed a charge in the amount of $which during the call he indicated was more than he agreed to for a charter flight from Miami to Columbia The representative he spoke to transferred him to the dispute resolution area and he spoke to a representative from that area who took the information he had in order to have a claim commenced Mr [redacted] called back on March 22, and provided some additional information to the dispute resolution area regarding his claim At that time he explained that he could not make a written dispute because of his disability but that he would send an email with the information he had received from the Airline The representative explained that the dispute was with the merchant, the travel agency, not the airline She contacted the travel agent with Mr [redacted] on the line and they discussed the reason for the charge and why it was different from the airline receipt that Mr [redacted] hadThe travel agent offered to send information regarding the cost of the flight to Merrick After discussion with the travel agent the call was concludedThe information provided by Mr [redacted] was a receipt for the taxes charged by the airline for the flightNot the cost of the flightThis was verified by the travel agent Mr [redacted] called Merrick again regarding his claim on April and April 11, I reviewed all of the calls concerning this claim and at no time during any of the calls reviewed regarding this issue, were the representatives unhelpful or rude in any way to Mr [redacted] The last representative who he spoke to on April 11, was a supervisor who explained to Mr [redacted] that the claim was closed and that there was nothing further that the bank, Merrick, could do for him on this disputeShe told him that his recourse lay with the merchant or the courts if he wanted to pursue legal action against the merchant for what he contended was an erroneous charge Once a merchant refuses a charge back attempt on a charge there in no further recourse that the Bank has against the merchant I paid special attention to the tone of each call and what the representatives were saying and how the spoke to Mr [redacted] regarding this issue I did not find any instance where they were disrespectful and no one laugh at him or made any remarks such as he alleges in the complaint Unfortunately there is nothing further Merrick can do to assist Mr [redacted] with this matter His only recourse now resides with the merchant

Ms [redacted] began making payments under the program in April 2015, at the beginning of the program the account was being reported as past due for the months of January, February and March This was the correct reporting status of the account Once Ms [redacted] made payments under the fixed payment program the account was eligible to be “re-aged” After the account was “re-aged” the credit reporting for the account began reporting as current The account has reported as current since that time The various statuses of the account are correct for that period of timeThe letter sent to Ms [redacted] indicates that once the account is re-aged it will be considered currentThat does not mean the past history of the account will be removed That history portion of the account will remain as it was for that given time Merrick is required to report the accurate status of the accounts it reports to the credit reporting agencies as required by the Fair Credit Reporting Act Ms [redacted] account is being reported correctly as explained above I have enclosed copies of the statements reviewed and a copy of the letter explaining the fixed payment program

Ms [redacted] opened an account with Merrick in August When the account was opened Ms [redacted] received a pricing appendix which outlined the fees and costs associated with the account The first year of the account the annual fee is charged as one sum and in the following years it is charged in equal monthly increments In accordance with the cardholder agreement Ms [redacted] agreed to pay the annual fee for each year the account is open, or if closed, has a balance owing on the account According to the account history Ms [redacted] received email notifications of the past due status of the account on March 3, and March 18, Ms [redacted] may want to check her email settings to assure email from Merrick is going to the proper address and assure Merrick email is not going to her junk email box Because of Ms [redacted] ’s contention that she did not receive any of those notifications Merrick has removed the delinquency reporting from her credit file This request to remove the delinquency can take up to days for the credit reporting agencies to completeTell us why here

Complaint: [redacted] I am rejecting this response because: I was told over the phone negative information would be deletedI am trying to get government housing amd this is pulling my score down and I am legally blindPlease help fix my situation and do a goodwill deletion as was doscussed with meDont be so heartless Sincerely, [redacted] ***

Ms [redacted] opened an account with Merrick in September and has used the account for the purchase of goods and servicesThe account was closed by Ms [redacted] on March 25, I reviewed the account history and recent statements related to the account and found the balance owing on the account of $ [redacted] was correctIn the statements attached, you will see in February 2016, the Previous Balance on the account was $ [redacted] and the Purchases totaled $***In February and March payments were received for the Previous Balance and the Purchases in the total amount of $ [redacted] There was trailing interest for the average daily balance for the statement cycle which closed March 22, This was the amount indicated above plus $minimum interest charged on the next statement cycle for a total of $***The cardholder agreement sets forth how the interest on the account is calculated To avoid this Ms [redacted] would have had to have fully paid the balance of the account prior the date she submitted the last payment in March As a courtesy, the balance of the account in the amount of $ [redacted] was waived and the account is now showing a zero balanceI have enclosed copies of the statements for Ms***’s reviewTell us why here

As stated in the response we have done a through search for this paymentWe had engaged the lock box vendor to search as well and they have stated that none of the batch coding on the check is consistent with their process We cannot find what we never received One Main will need to have Bank of America tell them who submitted this check for payment It was NOT Merrick

Merrick Bank is in receipt of your response regarding the complaint submitted February 26th, regarding the settlement of your charged off accountWe regret that you are dissatisfied with the service you receivedAs noted in our previous response, the only way a Settled in Full letter can be expedited is with proof the payment cleared your account However, as you indicated in your response, you advised our representative that you were unwilling to provide the verification needed to expedite the letter As of March 12, the Settled in Full letter was sent and we consider this matter closed

Ms [redacted] opened an account with Merrick in June Ms [redacted] has used the account and the associated credit for the purchase of goods and services At the time she received the card a pricing appendix was also sent to her outlining the fees and costs associated with the account The card carrier sent with the plastic had a disclosure that indicated how to opt out of the fees associated with the account Merrick fully complied with the requirement regarding the disclosure of the fees and costs of the account and Ms [redacted] had the opportunity to reject those fees prior to using the account Ms [redacted] ’s account was closed due to multiple returned payments Two payments made in August were retuned unpaid by Ms [redacted] ’s personal bank The cardholder agreement that governs the account indicates that Merrick can close the account without further notice for any reason or no reason Merrick will not waive the fees associated with the account nor will we change or modify the accurate reporting of the account status with the credit reporting agenciesMerrick will consider re-opening the account for Ms [redacted] if she brings the account current by October 20, She can do so by making a payment of $

The notification was send both via regular mail and via an electronic notice either text or email Merrick has no further response

Merrick has several accounts with a similar nameBut none with this address Please provide an account number, SSN and any other names the account might be under Merrick will then research and respond to this issueThank you

Complaint: [redacted] I am rejecting this response because: I need the Bank to send me the respond with registered mail within the time frame stated in my debt validation letter, otherwise I will file a law suit demanding all damages Sincerely, [redacted] ***