Merrick Bank Corporation

A review of the application was made for the response to Ms.
[redacted]’s complaint.  Ms. [redacted] was
sent a pre-screened offer in April and she retuned that application via the
Merrick Bank website. 
On the offer there is information about the pre-screen
process and the...

criteria for the offer to of credit made.  I have highlighted those for her review.  The offer of an account is contingent upon
meeting the criteria that was in place at the time the pre-screen was
conducted.  Ms. [redacted] did not continue
to meet that criteria.
Enclosed please find a copy of an application submitted
under her name and received by Merrick on April 6, 2016.  This was the reason for the inquiry on her
credit report.  The application shows
that it was sent via the internet and was subsequently declined.  No account was issued and she was sent an
adverse action notice on or about April 7, 2016 informing her that the
application had been declined. I have enclosed copies of the application
submitted by Ms. [redacted] and an example of the exact offer sent to her.
            If she does
not wish to receive any pre-screened offers she can call the number on the back
of the example attached and opt out of those offers.
           
            Merrick
has/had a permissible purpose for accessing her credit report by virtue of the
application submitted.  Therefore the
inquiry will not be removed.