Kenneth E Qmr
map-marker Dearing, Kansas

Cancelled credit card

Because of inactivity, but don't like their min pay of $35 and rate. So I only use in emergencies. Now I will watch my credit score because when an account is closed,the credit companies lower your score, I was told? So if this happens and I have always paid them on time and in full, I well take to court asking for $5 mill per point!!! I will watch my score the next 2 months. Don't need this anyway, just got a Chase card and the rate is lower and min due is $25. GREAT!!!
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Reason of review:
cancelled card
jacqueline k Edm
map-marker Chipley, Florida

Account closed for non-use

i have had my credit card with merrick bank for a year, I have it for emergency, because I have not used it in a year they closed my account , can they do that?
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Loss:
$2100
Reason of review:
no card now for emergency

Preferred solution: my card back

Kenneth V Lmm
map-marker Nashville, Tennessee

Trailer

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Dont read file.i make arrangement with one person and another one calls..really....
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Anonymous
map-marker Fairfield, California

Terminated card for lack of use

just received letter that due to low usage they are terminating credit card,they might think about lowering rate to increase usage, but no that might require intelligent evaluation, its easier to keep rates high and cancel low users.
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Reason of review:
Pricing issue
maria r Vib
map-marker Tijuana, Baja California

Trouble opening website

I tried to open website to pay bill. it will not open. trouble started 2 weeks ago. I never had trouble like this before. it is like website doesn't exist. is there a problem and when will it be resolved. it is not my computer or internet because this is the only site with this issue. Im sure I am not the only person having this problem. I made my payment the old fashion way.. over the phone. who can you call for technical support. Please take note to this issue. xx xx xx x xx xx xx xx xx xx xx xx xx xx xx xx xx xx xx xx xx xx xx xx xx xx xx xx xx
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Reason of review:
no merrick website
Anonymous
map-marker Gastonia, North Carolina

Penalties interest and late charges

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If you are considering a credit card from Merrick Bank I might be able to change your mind Merrick Bank is nothing but a money racket unless you get a large amount of credit then you're going to stay in the negative every month because some kind of penalties and interest and late charges and the customer service is rude I have never had any other problems with my other two credit cards only the Merrick Bank
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Reason of review:
Pricing issue
Verdon Mjn
map-marker Castello De La Plana, Valenciana, Comunidad

Motivo donacion de Julie leach

soy Ivan Rodriguez y me pongo en contacto con Merit Bank gracias para poder recibir esta Donacion que se me otorgado de parte de Julie leach y mi correo de contacto es ivan.servidor@***.es o ivan.bendecido@***.com y mi numero de contacto 68834**** gracias si me contactan para recibir direcion del banco Julie L para cualquier informacion enviarme un mensaje a cualquier de los dos correos para recibir vuestra direcion gracias por vuestra ayuda de ante mano ,yo he hablado con Julie Leach quien me otorga este fondo de donacion ya que sera destinado para ayudas humanitarias en el Pais que resido un abrazo de ante mano para quienes asen parte de esta sucursal Bancaria ATM Ivan R

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Reason of review:
Good quality
Jeff S Aba
map-marker Wilmington, Delaware

Frustrated experience with Merrick Bank processing

I was sent a pre-approve visa application by Merrick Bank. I applied for the visa card. I was asked to send a copy of my DMV id, SS card and a utility bill to verify my address. I faxed my ID card along with copy of my SS card and a copy of my checking account statement showing my address since I dont have a ultility bill due to I pay all in one with my rent. I was told they couldnt read the ID card, so I faxed it again. I called and was told it was received and readable. I later received a phone call tell me they couldnt read it. Then went on to say that she read my SS card..then there was an issue with bank statement..lastly she said that there was apt number on my bank state but there wasnt one on application they sent me. At this time, I said to her forget about. It was to frustrating and kind of not very professional. I work in a bank and have other credit cards but not this type of silly scrutiny. And they do not have a scanning email system as an alternative. I don't if my experience was isolated after seeing so many good reviews about the bank.
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shelly h Cnj
map-marker Lancaster, New York

No credit line increases

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I've been a customer for YEARS!!! I have a perfect payment history. I've never had not even one late payment and I always pay early!! All of my other cards increase my credit lines without even asking and this card has never even given me credit line increase EVER!!! Yet they claim they double your credit line after 6 months as long as your payment history with them is perfect! That is a complete lie and scam! Worst credit card I've ever had!! I WILL be paying off in full and closing!! Definitely not worth having!! Plus they started charging me monthly fees which wasn't in the original disclosure and high interest. Do yourself a favor and choose a different card!!
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Reason of review:
Not as described/ advertised
Rafik G

Worst credit card company

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I had not used my card in a while to consolidate my bills and watch my spending...I do have to also state that when I charged on my Merrick Bank card I paid in full each month the amount I had charged. Not only did Merrick Bank close my account but also it dinged my credit score. When I called to ask about it and see how to remedy it the supervisor spoke to told me I should have read the fine print when I opened the account and that it stated the bank can close my account for any reason. I asked for it to be escalated and he told me that the "buck stopped here". The call was disconnected by the supervisor. VERY BAD BANK WITH RUDE REPRESENTATIVES AND SUPERVISORS. I called again the next morning and the representative put me on hold for a few minutes and said she filled out an escalation form and that someone would call me back.
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Cons:
  • Customer service and the supervisors
Reason of review:
Poor customer service
Anonymous

Very disappointed

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I had pay my bill on time for 5 yrs. Became with finical difficulty. Ask for help and was denied. Was told that a hardship program was not available. And late charges will accumulate if I don't pay my bill. Only thing that they could offer, is that I pay my 2 months and late fees. This is awful for a bank not willing to try and help a customer who made it known of the difficult time which is accruing. Which was noted 3 months before I fell behind. Had no choice but not to pay. Now my account is in collection.
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Leon W Olk
map-marker South Jordan, Utah

Refusing to credit my account!!

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I got a loan from OneMain financial to consolidate credit cards. OneMAin gave me the checks and I sent out the check to pay Merrick Bank Credit Card on May 31st.

They cashed it June 14th, I have the email from OneMain saying it was cashed. Here it is July 6th and they still have my account maxed, adding over the limit fees as well as late payment fees. Now theyre doing a "investigation" to see what happened. Both myself and OneMain have faxed over copies of the check numerous times, all of which they say they haven't received.

They cashed the check, now CREDIT MY ACCOUNT!!! as soon as this is resolved I am closing my account, worst card to go through!!!

View full review
Loss:
$1200
Pros:
  • Credit increase after 7 payments
Cons:
  • Customer service attitudes
  • Staffs inability to locate a fax sent
  • I am dissapointed and highly suspicious
Reason of review:
Problems with payment

Preferred solution: Let the company propose a solution

1 comment
Guest

All I can say is NEVER make a payment via check with Merrick Bank. Mobile and website payments are credited and posted same day or next day, and you have an electronic record.

STEWART L Pyr

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer
| map-marker South Jordan, Utah

FRAUDULANT EXERCISES

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Merrick Bank - FRAUDULANT EXERCISES
Updated by user May 07, 2018

ive heard nothing from merrick bank wrote them again nothing as yet . i talked to an attorney he said there is nothing i can do suing them would take a lot of money which i dont have so im *** there. they have *** up my credit as my score dropped 100 points they are...

Original review Apr 07, 2018
I HAVE HAD PAYMENTS GO MISSING MOST RECENTLY DECEMBER 2017 AND NOW MARCH 2018 I BELIEVE MERRICK IS PURPOSELY DOING THIS TO MAKE MORE MONEY ON LATE CHARGES. IVE NEVER BEEN LATE ON A PAYMENT I HAVE ALL MY RECIEPTS TO PROVE THIS .THEY HAVE ALWAYS BEEN MAILED WELL AHEAD OF THE DUE DATE AS TO INSURE THEY WILL BE POSTED IN PLENTY OF TIME.

I HAVE THREATEND WITH A LAW SUIT . I NOTIFIED FEDERAL RESERVE CONSUMER COMPLAINT . NOW YOU FOLKS IF NOTHING IS RESOLVED AND I DONT BELIEVE MERRICK IS INTERESTED IN RESOLVING THIS ISSUE I WILL SEEK LEGAL ACTION AGAINST MERRICK .

IM NOT THE ONLY ONE THERE ARE NUMEROUS COMPLAINTS AGAINST MERRICK ABOUT THERE DALLAS TEXAS PROCESSING CENTER. THANK YOU.
View full review
Cons:
  • Customer service attitudes
Reason of review:
Problems with payment
3 comments
Guest

Like I've said many times before, if you rant here online you can manage your account via Merrick Bank's website where payments are posted same or next day! You allowing your account to become delinquent is the most stupid thing I've ever heard.

YOU are the one *** yourself, NOT Merrick Bank.

Now with all these late payments, you've screwed for at least FIVE years. Change your ways or you will FORVER be challenged!

Guest

Did you ever, even just once, utilize Certified Mail return receipt requested ? ... this would have provided a legally admissible timeline to your complaint ; as it is, I don't believe you would have a recurring problem without your own negligence or lack of understanding...Next time - get a signature and a date - and please, stop screaming with the all capital letter format ; it is annoying and difficult to read.

STEWART L Pyr
reply icon Replying to comment of Guest-1459000

GOOD MORNING WILLIAM I DEEPLY APOLOGISE FOR THE CAPITAL LETTERS ACCORDING TO INTERNET ETIQUETTE CAPITAL LETTERS EMPHASIZE IM YELLING BELIEVE ME IM NOT I DONT YELL IM A 74 YEARS OF AGE GENTLEMAN THANK GOD FOR THAT AND IT IS EASIER FOR ME TO SEE WHAT IM TYPING BY USING CAPITALS. SORRY TO HAVE OFFENDED YOU .

NOW LETS TACKLE MY PROBLEM WHY SHOULD I PAY FOR CERTIFIED MAIL WHEN I SEND ALL MY PAYMENTS THE SAME WAY AND SEEM TO HAVE HAD NO PROBLEMS EXCEPT WITH MERRICK.

YOU MUST WORK FOR MERRICK TO DEFEND THEM. HAVE A GREAT DAY STEWART

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Anonymous

Absolutely HORRIBLE

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My dad was actually an account holder with this company and even before he passed away making his monthly payments was a horrible experience in and of itself. He would try to make his payment online only to get locked out and have to call.

EVERY time.

After he passed, Merrick took payment from his account which i was in the process of closing. When I called to discuss this I was told that if I sent a copy of his death certificate they could resolve the issue. After calling several times over the last few weeks I was told that they did in fact have the copy of the death certificate and that it had been submitted to "the appropriate department" and that someone would call me back. After attempting to call the 800-204-**** number AGAIN I was kept on hold for over 26 minutes before I hung up and called right back.

After being on hold for over 10 minutes again I finally got to talk to a human who told me I had to talk to a different department whose office hours were only 1-5pm EST.

So I waited 20 minutes and called "the other department" (877-487-****) who told me I needed to talk to yet a different department and was given yet another number (866-321-****) for the Deceased Accounts department. After sitting on hold again, I finally spoke with someone who basically told me "since you are not the card holder you are not responsible for making any payments on the account, blah, blah, blah" and in no way shape or form would they even answer the question I'd been asking since the beginning of all of this.

Being in Customer Service myself I not only wouldn't recommend this company to ANYONE but would highly recommend that if you do have this card, DITCH IT QUICK!!

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Reason of review:
Problems with payment
2 comments
Guest

This company went into my account and STOLE $786.00 I DIDN'T authorize this payment so it was STOLEN! I have spoken to 3 different people but neither claims to be actually Merrick Bank basically given me the run around!

Beware of your account if you've made online payments cause they WILL generate checks on your account BEST advise don't use Merrick Bank you won't know you have a problem until you have a problem! Horrible customer service!

Guest

A legitimate complaint! My condolences for the passing of your father.

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Rhonda J Sza
map-marker South Jordan, Utah

STEAL

I set up payment for auto pay once a month on the 27th of each month, to begin in July, since I had already made the payment for June. Today, they went in, took Junes payment, Julys payment, and another payment for the balance due, and cleared out my bank, checking and savings. Left me with No money to pay bills. They refused to return my money, they blamed me, which is NOT what I set up. They are damn theives. stay away from this bank. The customer service was horrid, basically they said if I wanted my money back, they were going to charge me a late fee, even though I paid my minimum balance for the month. They want to charge me a late fee and return check fee. I was like?? how they *** do you figure that?Wtf
View full review
Loss:
$400
Reason of review:
Problems with payment
1 comment
Guest

They can't do that without cause! You are obviously leaving out an important factor in Merrick Bank's decision to clean out your bank account.

Read your terms and conditions, when you authorized them to auto deduct, you also authorized them to deduct the full amount owed on your account should it become delinquent. Merrick Bank CAN demand payment in full!

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