Kaydon Ftw
map-marker Abington, Pennsylvania

Merrick Bank Customer Care Review from Abington, Pennsylvania

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Updated by user Jun 03, 2016

Racist customer service. Talked down to my parents because they aren't fluent in English.

Started mocking them.

If you're a Caucasian English speaking American you'll be perfect for them. Otherwise, they'll be racist to you and display different type of customer...

Original review Jun 01, 2016
This credit service is for people who want to rebuild their credit so of course the high rates are understandable. What's NOT understandable is the customer service representatives that pick up the phone calls.

My dad owned the credit card and doesn't speak fluent English and my mom speaks broken English and instead of helping my parents recover a lost card, the rep on the phone decides to mock and make fun of my mom for her broken English. Regardless of nationality or whatever accent a person speaks I believe as someone in customer service, they should *** their tongue and be kind to their customers. Instead they lost a customer and now will have a bad reputation because of one ignorant representative that speaks for the company. I don't actually believe the company is racist but I believe they hire racist employees who are the face of the company in the most disrerespectful way.

My parents worked hard since they stepped foot in the country and I'll be damned if I ever hear anyone making fun of them. The rep is lucky I wasn't there to hear it because he would have gotten an earful from me and immediately reported to the supervisor.

All I'm saying is, I don't ever want to be associated with anyone so narrow minded. If you're a white English speaking American, I'm sure you'll be a great customer for Merrik bank.
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Cons:
  • Customer service
Reason of review:
Poor customer service
3 comments
Guest

It sounds like YOU'RE the one that's RACIST.

Guest

White, English-speaking American...? A customer service agent cannot determine what color your skin is over the phone...

Secondly, I know people don't give a shi* about the immigration laws in the United States anymore- however, you do in fact need to be able to speak English in order to immigrate to the US... Not that anyone is enforcing this law.

Guest
reply icon Replying to comment of Guest-1170942

So, you're basically condoning the racist acts of the representative at this company. Just when you think there's hope for humanity and pray that people can look past the color of one's skin or the accent a person speaks in, we run into people like you and the representative my family had to deal with.

People may not care about immigration laws anymore or not enforcing it but does that mean the immigrants can be mistreated? I'm not asking to be put on a pedestal I'm asking for better customer service.

This bad experience just happened to be a racist interaction.

View more comments (2)
Anonymous
map-marker Houston, Texas

Merrick Bank Customer Care Review

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Customer service was very impolite and they do not take in consideration of the good payment history of a customer
View full review
Cons:
  • I am dissapointed and highly suspicious
  • Not willing to lower high interest rate
Reason of review:
Poor customer service
Kourtnee Rpc
map-marker Orlando, Florida

They want me to due the legwork on a fraudulent charge

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Merrick bank "schmoozed" me to open a credit acct. I decided to set my phone bill to autopay just to keep the acct active. This is pretty much all I ever use the card for, as I have other credit with bettr known banks. After a year, the expected autopay was on the bill, and another charge from the phone company of a similar amount. I called customer service (twice) and was appalled at the rudeness I happen to be a desktop/LAN technician for a fortune 25 online pharmacy. After finally getting through to someone who insisted I call the phone company first (which I did), a supposed investigation was opened. A week later I received a letter on cheap paper. ink smeared, no return envelope or physical address, asking for: copies of phone bill, documented conversations with phone company, copies of emails,dates of contact, etc. If this isn't presented promptly, they assume I have worked it all out and that I am responsible for the charge. Now, I will let you decide on this one.
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Loss:
$27
Cons:
  • I am dissapointed and highly suspicious
  • Very rude--unprofessional
Reason of review:
investigating a fraudulent charge. All you had to do was call Boost Mobile and they would have told you they didn't bill that charge as you imply

Preferred solution: Full refund

Damariz Pad
map-marker New York, New York

Complete rip off high interest on top regular balance.

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This company has the most *** terms I ever seen, beside the regular minimum payment ( or the amount the client desire to pay) which already include 23% they charge an additional amount 2 days later almost identical to the minimum payment the client just made! How this can be remotely legal? I own other credit cards ( capital one, citi first saving etc) none of them do such. This is incredible dishonest and greedy. Even if you make payments and don't use the card you always are going to end with a third of the amount you paid as a balance! Do yourself a favor, if you receive this piece of junk in the mail disposed in the garbage as soon as you received.
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Cons:
  • I am dissapointed and highly suspicious
  • Bad payment application
  • And cannot wait to get them paid off and cut my card up
Reason of review:
Pricing issue

Preferred solution: Let the company propose a solution

Anonymous
map-marker Fort Lauderdale, Florida

Merrick Bank Account Review

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I waste time and money try to get them to correct my address. What a bunch of dummies that work for this company. And i still hadnt receive my card after two months.
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Reason of review:
Poor customer service
Anonymous
map-marker Forest, Virginia

Merrick Bank Website Review from Forest, Virginia

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Terrible customer service! I was actually called "rude" by the representative just because I had a complaint!

Could not pay bill on due date because of system error on their website so paid it the next day, a late fee was added so I called to explain and the late fee was removed. BUT they still added the late fee to my min payment due for the next month, which I could not afford. So I paid the regular payment

amount. So they added ANOTHER late fee because I didn't pay the extra for the first late fee.

Kept me on hold for a very long time just to tell me sorry but I would still have to pay the extra $27 but could *** the $37 second fee. I CUT THAT CARD UP AND THREW IT IN THE TRASH!! They lost a customer over $27 !!

How DESPERATE is that!?!? Do not deal with them!!

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Reason of review:
Damaged or defective
1 comment
Guest

They were charging me $4.00 per month for a monthly fee and also an $12 interest on a cash advance that I never took. I know better than to cash advance on a card like this. I'll keep all my money with capitol one from now on

Anonymous
map-marker Brooklyn, New York

Identity thief.

When I went to pay my bill I noticed $384.74 was deducted from my bank account to pay Merrick without my permission. The limit on the card was $400.00 , why would I pay $384.74 and not pay the whole $400.00 I called Merrick Bank to inform them I made a stop payment because I did not make an over the phone payment. Its very rare I don't pay online. I ALWAYS 95% DO ONLINE PAYMENTS and no one has access to my accounts but me. It was totally something wrong .When I called Merrick customer services someone from Merrick stated it would take sometime to INVESTIGATE find out what happen and they would get back to me. As of today they haven't, so I called today and they stating I owe almost $650.00, which I'm not paying. I'm not paying for something that's not my fault . I will pay for what I charged but I would appreciate someone getting back to me I need someone to find out who and how this happen.
View full review
Loss:
$632
Cons:
  • I am dissapointed and highly suspicious
Reason of review:
Poor customer service, and I cut up your card. I just started rebuilding my credit score now this. unfair.

Preferred solution: Let the company propose a solution

Anonymous
map-marker Raleigh, North Carolina

Certificate of pre Approval

I received such certificate

did not want to fill it with my personal info.

searched the net for the new applicant , their web site is always redirecting you to another website looks like they are on the business of selling your information to others or hackers.

just like any body wants to rebuilt their credit but looks like this a hokes bank when ever its directing your search to another website even no phone numbers to call for the Pre- approved acceptance certificate.

so I will Trash this certificate and save my information, don't want to go again for identity theft.

and please stop such junk mail

hopefully very soon

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Reason of review:
Problem with delivery
Anonymous
map-marker Venetia, Pennsylvania

No fraud protection

I was overcharged by HERTZ rent a car and also overcharged for an item. HERTZ would do nothing to resolve my issue so I filed a dispute with MERICK.

Even though the Merchant bears the burden of proof, I was able to provide detailed receipts and documentation to back up my claim. Merrick kept asking for more and more from me when I had already given them everything. They refused to resolve the issue so I cancelled my account. I have never seen anything like this.

I have been on the other end of this as a restaurant manager and if WE AS THE MERCHANT could not provide a receipt or prove that we did not overcharge, then there was automatically a chargeback. I know Discover or other banks would have done the right thing. Maybe Merrick is too small time or maybe they just do not care. Maybe they did do a chargeback on HERTZ and kept my money too.

Who knows? Also, avoid HERTZ at all costs.

They are crooks too. Just read their reviews or google HERTZ FPO.

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Reason of review:
Poor customer service
Anonymous
map-marker Saint Charles, Illinois

I am Disciplined & Not Desperate

I received a Merrick Bank card that reads "Respond Today www.DoubleYourLine.com." I checked online for customer reviews. in my opinion the (#1 Complaint: does not value their customers) & (#2 Praise: gives 2nd chances to people with poor credit). My credit score is average & I have worked long and hard to get it on the "Average" level. Therefore, I trashed the credit card offer from Merrick Bank. Yes, I did consider opening a new credit-card account with them, but I quickly changed my mind after reading the "Pissed Consumer" remarks. Thank you all for possibly saving my life!
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Amish Iib
map-marker Omaha, Nebraska

Short Review on July&nbs-04:00;05,&nbs-04:00;2016

They need a moble app you can pay the bill if you dont have a computer i cant pay on my cell phone it sucks
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Reason of review:
Problems with payment
Anonymous
map-marker Methuen, Massachusetts

Merrick Bank Account Review

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Company from Jamaica tried to rip me off ..Merrick wanted no part of my explanation they just closed my account. And their still charging me interest Lawyer told me that it is illegal.
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Anonymous
map-marker Baltimore, Maryland

MONEY HUNGRY COMPANY

I finally was able to pay off the balance. Now they are telling me I have a 4.00 a month bill for an annual fee. Because I never remember to pay it I asked if I couold pay it in full. Of course not they want you to forget to add a late fee. I think this company does not understand the word convenience. I will be dropping this card as soon as I get my home loan. Its not worth ruining my credit over.
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Reason of review:
Companies policies
Anonymous
map-marker Jacksonville, Florida

MERRICK DROPPED MY AVAILABLE CASH LIMIT

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I've been a Merrick card holder for a little over a year (since Oct-2014).

Until recently, I have been more than satisfied with Merrick's servicing of my account. Keeping a really long story short, I ran into some problems with my credit after an injury drastically lowered my income a few years back and Merrick was one of the few companies to offer me an unsecured card with a respectable initial credit limit ($700) and a reasonable annual fee ($48 yrly) when compared with other offers (i.e., $300 limit and $75-$95 yrly) I was receiving at the time; additionally, I really enjoyed the fact that Merrick also gave me a cash withdrawal limit equal to my credit limit. (Having access to cash, when needed, really helped me out in certain situations.) I was careful to make timely payments and as I recall, since my account opened in October of 2014, with one or two exceptions I always paid off the entire balance each month.

Then came Christmas in 2015. My ex and I decided to go in together and we ended up buying two, top of the line saddles and an award winning, show quality horse. Needless to say, these purchases drastically reduced my positive cash flow for January 2016. I was only able to pay Merrick one-half of my balance, but after having paid off the entire balance for essentially a year previous, I had no concerns about any adverse actions on my account.

Little did I know that Merrick, in its wisdom, decided to severely reduce my available cash limit to well below my available credit limit after my payment was applied. Even though I had the credit available, Merrick would not give me access to the cash as they had done previously. I felt this was an unfair action to take and called Merrick. The person I spoke with advised it was a normal practice by Merrick to do what they had done. (NOTE: It had not been normal for the previous year I had the account open!)

I then asked about having my annual fee reduced and was advised that my fee was the lowest Merrick charged, which I later that this too was not true.

I applied for and received another company's credit card and have decided to let the Merrick card "cool off" for at least the next six months. I placed a roughly $24 credit balance on the Merrick card in order to take care of the next six monthly charges ($4), and when that is exhausted I will call Merrick one more time before deciding whether or not to close the account.

I'm disappointed there was zero loyalty from Merrick towards me after having been so timely with my payments in the past.

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Cons:
  • No loyalty
Reason of review:
Problems with payment
Anonymous
map-marker Levittown, New York

Short Review on July&nbs-04:00;12,&nbs-04:00;2016

I made payment and merriick bank. Dont posted in my accaunt i send two money order in one put in my accaunt. Were is tha other money order go......is missing. And is for 1000.
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Reason of review:
Problems with payment
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