Merrick Bank

I have a Merrick Bank credit card and I am currently residing in Belize, Central America. My mailing address and my Bank - US Bank is in Milwaukee, where my pension funds etc are direct deposited every month.

This morning, I attempted to make a purchase here in Punta Gorda with my Merrick Bank credit and was told my card is declined.

I called Merrick Bank to find out the reason for the block on my card.

I spent 45 minutes waiting on an International phone call, at my expense, and when the Merrick Bank agent finally answered the phone, she told me she has to transfer my call to the fraud department. I spent another 45 minutes waiting on the line for the Fraud Dept to pick up the phone. And when the Fraud Dept staff answered the phone, she told me she has to transfer me to the Security Dept.

She transferred me and I have been waiting for about 50 minutes and still waiting as I file this report and to date I am still holding.

While I appreciate Merrick Bank giving me a line of credit, I am completely disgusted at Merrick Bank for treating me this way.

I am still waiting for the Security Department to pick up.

I am paying for this 3 hrs International Call from Belize and still counting.

Its about time to bring back the Dodd-Frank Banking Law.

I will contact the US Sen. Elizabeth Warren's and register my complaint as well.

I've had my credit card with Merrick for over 2 years with a decent credit limit, though far below other cards I have. In the time I have had their card, I have always paid my balance in full every month.

I have never filed a dispute or had any fraud occur on the account. Yet the past 3 times I've tried to use my account, the card has been declined. Each time I would call their so-called customer service, only to be told there was a fraud alert on my card and they would remove it and I could go ahead with my purchase. Of course, by then, I had already used a different card to complete my purchase.

They, of course, would always apologize "for the inconvenience", which supposedly was to cover my embarrassment and the ridiculous amount of time I would have to spend getting their automated phone system to connect me to a live person. Now, I realize there is a lot od credit card fraud. I have other cards that on occasion decline a purchase, but I then receive an instantaneous text asking if I just attempted the purchase and texting back an immediate "YES" clears my card to re-submit it for the purchase within seconds of the decline. Merrick, on the other hand, just declines and leaves it here unless you spend forever trying to call them.

And, I'm not even talking big purchases. This has happened now with purchases ranging from $50-$120 on an account with plenty of credit and a zero balance. This last time was the final straw and I told them where they could shove their credit card and closed the account. That did get an immediate email response, very tersly closing the account and waring me that if I closed it, I could never re-open it again.

What good is a credit card if you can never make a charge on it?

Interestingly, I never have any problem with my Chase, Discover or Capital One cards, all of which have very high limits. 111merrick apparently does not want responsible customers who always pay on-time, in full and never have a single problem on their account.

My problem is That I feel like I have done good by This Bank and this is the only time that about went over and I caught it and I sent a payment of $50 in to take care of it so that when the interest went on it would not go over but the statement is not even showing $50 gone in 14 July like it should be and I got a big runaround from everybody Ive talked to at customer serviceEspecially the guy I talked to last saying that Merrick Bank couldnt do nothing to help me after sending my info to the credit bureau which knocked my credit score down eight points.He said it was sent electronically kept saying he had nothing to do with the credit bureau I was not even talking to him about that and he just kept saying I had to contact the credit bureau and on the last he laughed at me and told me that its a virtual bank Ive had this card since 21 and no one has ever told me that and I dont appreciate being laughed at. im sure that I even made more than my minimum sometimes when I could well he wants to talk about is the cash advances that was taken out well in my opinion if you dont want cash advances took out then you shouldnt have them on there. I was talking to people and tell them how good Card this was but it will never happen again unless something is straightened up and you straighten my credit back up and then Ill consider it.