Merrick Bank Corporation

Ms [redacted] opened an account with Merrick in July and has used the account for the purchase of goods and servicesThe due date on the account is the 17th of each month Ms [redacted] did have automatic recurring payments set up on the accountHowever, she cancelled the recurring payment schedule on January 11, Payments made for the months of January – April were made as one-time payments through Merrick’s mobile appThose payments were received after the due date, and therefore a late fee was assessed each monthMs [redacted] scheduled to have her recurring automatic payment’s resume on May As a courtesy Merrick has agreed to waive one of the late feesA credit in the amount of $has been applied and will show on the next billing statement

A review of Ms***'s account was made Ms [redacted] opened an account with Merrick in January and used the account for the purchase of goods and services Ms [redacted] stopped making payments on the account in September Prior to that time she had made sporadic payments on the account The last payment received on the account was for $received and posted to the account on September 11, The account was charged off for non payment in March If Ms [redacted] would like to discuss payment or settlement options for this account she can contact us at ###-###-#### The representative there can discuss what options are available for Ms [redacted] to settle this debtI have attached copies of statements reviewed for this reply

Ms [redacted] opened an account with Merrick in April and has used the account for the purchase of goods and servicesThe due date on the account was the 16th of each month it was changed to the 28th in August In the months of April, May and October the payments on the account was received after the due date The table below shows the history of payments and the posting to the account Payment Due Date Payment Received Date Minimum Payment Due ($) Payment Amount Received ($) Late Fee Assessed ($) April 16, April 19, 27.00-waived May 16, May 18, 38.00- waived June 16, June 15, July 16,July August 28, August September 28, September October 28, October November 28, n/a I reviewed calls made by Ms [redacted] in June and November 2017, regarding the payment posting and fees charged to the account On several of the calls the representatives who spoke to her attempted to explain that there were delays at the post office in Texas and that was the reason for the delay in posting Ms [redacted] was unwilling to accept that information and protested the late feesThe April and May late fees were waived per her requestIt is Merrick’s policy to waive one late fee in a twelve-month period, but Merrick waived an additional late fee at Ms [redacted] ’s request as an exception to that policyI have requested that the late fee from October be waived as a courtesy but the account will not be eligible for any additional fee waivers for twelve months 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 Rather than making payments by mail, Ms [redacted] may want to consider the following payment options that Merrick offers free of charge She may schedule one-time or recurring payments 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 She can also have payments expedited by using the following optionsKeep in mind a fee may apply with these options: · 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 · Overnight Mail – send to Merrick, Merrick Bank Attn: Lockbox Operations # East Grauwyler Rd., BLDG 1, Irving, TX

Merrick Bank has no further information in response to this matter

A review of Mr [redacted] ’s account was made According to the log from the cardholder website Mr [redacted] did not have any issues logging in and making a payment from the account for the past months that we reviewed The pass word for the account was reset with the help of a representative on January 5, but he did not log in on that dateAccording to the history his last log in was on December No fees have been assessed to Mr [redacted] ’s account the only late fee assessed was waived in October and the last two payments made by phone had the phone fee associated with those payments waived There have been no other late fees assessed to the account in the last months With the exception of hours on December 4, the website has been up and available for general access and use The cardholder website is provided subject to the terms of use document which set forth the availability of the web site and the use of it subject to that document A copy of the liability portion of the document is attached for Mr [redacted] ’s review Merrick declines to pay any damages to Mr [redacted] If he continues to have issues with the website he can request information about his account via another method

Ms [redacted] opened an account with Merrick in September and has used the account for the purchase of goods and services On December 20, Ms [redacted] made a payment in the amount of $via the cardholder website That payment was returned unpaid by her bank on that same date Ms [redacted] contacted Merrick on December 21, regarding the returned payment and indicated during the call that she saw the payment being taken from her personal bank account On December 21, 2016, Ms [redacted] faxed Merrick a letter from her bank, Central Bank that it had not rejected the payment of $ However, Merrick as of that date had not received those fundsUpon receipt of Ms [redacted] ’s complaint, Merrick investigated this issue and contacted Central Bank directly On December 23, Central Bank sent Merrick a fax indicating that it had in fact returned the payment in error and requested that Merrick resubmit the payment Merrick did so The original payment made on December 20, was credited to Ms [redacted] ’s account as of that date and an adjustment in the interest charged to the account in the amount of $was made, as well as the late fee waived She can see these adjustments on her account by accessing her account on-line through Merrick’s website I have attached a copy of the letter from Central Bank regarding its error on the returned payment for her information

Ms [redacted] contacted Merrick by phone regarding a pending authorization for a charge from Enterprise Car Rental on August 12, The representative explained that Enterprise could cancel the authorization and Ms [redacted] indicated she believed they had done so The representative explained that it appeared that the merchant numbers did not match the authorization, and explained that if the merchant faxed Merrick some information regarding that authorization we could release that authorization Ms [redacted] said she would ask the merchant to fax that information Ms [redacted] called back on August 12, and the representative told her Merrick had received the fax but that the merchant information still did not match the authorization information so the authorization could not be released In reviewing the account information for this reply it appears that Merrick received correct merchant ID information from Enterprise on August 14, and the amount held as authorized was released Ms [redacted] has used the account and the available credit since that date Merrick apologizes to Ms [redacted] if she felt she did not receive the type of customer service and assistance she needed in this matter

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

Mr [redacted] opened an account with Merrick in September and has used the account for the purchase of goods and services Four payments made on the account have all been returned by JP Morgan Chase Bank for non-sufficient funds Mr [redacted] has not replaced those payments on the accountThe account has charged off for nonpayment and has been reported as such to the credit reporting agencies, and is the correct reporting under the circumstances A letter was sent to Mr [redacted] on February 22, explaining that the account was closed due to the returned paymentsA copy of that letter is attached

The original reply explains why there was no reallocation of the payment Merrick has no further reply

Mr [redacted] opened the account with Merrick in June He used the card for the purchase of goods and services During October 2016, Mr [redacted] made an online payment on the account that was returnedAs a result, Merrick closed his credit card account and sent Mr [redacted] a notice Mr [redacted] contacted Merrick on October 14, regarding this issue and explained what had occurred with his personal bank accountMr [redacted] did replace the returned payment promptly and provided information to Merrick regarding the reason why his payment had been returned Merrick has re-opened the account and changed the credit reporting status to open from closedMr [redacted] can use his same card and if he has any problems doing so he can contact us at 800-253-so that we can assist him with any issues

Mr. [redacted] opened an account with Merrick in March 2016, and has used the account for the purchase of goods and services. In December 2016, Mr. [redacted] called Merrick to report some fraudulent charges on his account. Mr. [redacted] was issued a new account number while the fraud charges were investigated.... Following the investigation, the reported fraudulent charges were credited to his account and that fraud case was closed. Mr. [redacted] called in on May 13, 2017 to report new fraudulent charges. The account notes indicate that Mr. [redacted] reported 10 unauthorized charges that total $529.76. Mr. [redacted] has expressed that he is very unhappy that this is the second time that his account has been compromised and that he is disappointed in Merrick’s ability to keep his account secure. Merrick takes the security of its accounts very seriously. Merrick has many safe guards in place including contacting account holders when suspicious charges are made. Merrick followed that process in Mr. ***’s most recent issue. An investigation of the fraud claim is being conducted and Merrick has granted provisional credits to the account while the investigation is pending. Merrick will notify Mr. [redacted] in writing of the final results of the investigation.

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me I would also like for Merrick Bank to send my a letter stating the above following for my records Sincerely, Anieka C [redacted]

Merrick apologizes that Mr [redacted] did not receive the kind of interaction with the supervisor he expected The explanation regarding how the payments are applied is correct and according to the terms and conditions disclosed when the account was opened As stated if Mr [redacted] needs payment assistance he will need to contact customer service to facilitate that process

You opened an account with Merrick in July You have used the account for the purchase of goods and servicesThe payments received on your account on May 23, and May 26, in the amounts of $and $respectively were retuned unpaid by Key Bank The payments received on your account on June 23, and July 25, in the amounts of $and $respectively were also returned unpaid by Key Bank These returned payments constitute a risk to Merrick and that is the reason your account was charged off on July 28, The credit reporting on the account is correct and accurate according to the account history and Merrick will not change or delete that information To do so would be a violation of the Fair Credit Reporting Act and Bank policy If you wish to discuss the balance remaining on the account, please contact us at 877-487-to discuss options to pay the balance owing on the account

A review of Mr [redacted] ’s concerns was conductedAttached is an example of the exact solicitation that Mr [redacted] received for a Merrick Bank card This is a firm offer of credit contingent upon the applicant continuing to meet the criteria as obtained in the pre-screen prior to the offer being sentMr [redacted] ’s application was denied because his full credit report showed him as having serious delinquencies, and other factors that were not present at the time Merrick made its pre-screened offer of credit The pre-screen process takes place two months prior to the offer of creditOn the application, the applicant authorizes Merrick to obtain a full credit report once the application is receivedThe offer of credit is contingent upon the applicant meeting the criteria that was in place at the time the pre-screen was conductedBecause of the issues noted above Mr [redacted] ’s application was declined I have also attached a copy of the decline notice that Mr [redacted] received after he submitted the application

All of the cardholder agreement have this closure language in them It is in section of the agreement

Upon receipt of the complaint by Mr [redacted] , Merrick has deleted the trade line for the account where he was the authorized user This request can take the credit bureaus up to days to completeHe should check his credit file again after that time has passedTell us why here

Complaint: [redacted] I am rejecting this response because: when a customer is trying to pay there bill and when the customer service agent tells you there is nothing wrong with there phone sytem and does not offer any resolution that is a company that should not be runningWhy when I called 3am in the morning the phone system worked and yes I did pay my bill and I will be closing my account worse company ever and they must train there agents to be ruid and not helpfulThere is no reason for me to go online if the phone system was working properly Sincerely, [redacted]

Complaint: [redacted] I am rejecting this response because: Merrick Bank says that they post payments as soon as they receive the payment However, My March payment was mailed out on the 2nd at 7am The complaint that I filed with the Revdex.com was done on the 17th Then on the 19th the check showed up being cashed by my bank My statement on the 17th was not showing the payment Then Merrick Bank said that the check was posted on the 10th Had the check been posted on the 10th as it was supposed to be Then I would have not filed a complaint Also the according to my credit score the two months that the payments are listed past due are December and January These payments were not past due as they were payments under the payment plan The payment for December cleared my bank on 12-11- The January payment cleared my bank on 1-11- Since my payment is due on the 16th These two payments were not late Merrick Bank also in their response also claims that the USPS is also slow However instances of missed or late payments in a month period defies even the most liberal statistical applications know to man I still will appreciate my credit report to be fixed This is practice is unfair to their consumers I feel that a more in depth investigation may be warranted Sincerely, [redacted]