Merrick Bank Merchant Services Reviews & Complaints

I put 1000 dollars in deposit with merrick, never received a card they sent another did not receive that one either. asked for my refund and closed the ACCOUNT 1/09/23, some how there stalling my refund saying there refunding money they charged me and confirms no one has spent any money on these cards. I OPENED THIS ACCOUNT IN MID NOVEMBER.I HAVE NEVER SEND A BANKING SYSTEM LIKE THIS ONE

I have been with this bank for more than 15 years. They were my first (and only) secured credit card account. I don’t know what’s happening with them right now but the customer service is THE. WORST. EVER! I have been on hold for more than 2 hours now. Someone answered at hour one, asked for my name and then said, let me transfer you. I rarely call their customer service because I do everything online. Unfortunately, I can NOT send them a message on their “secured message” link because there is nowhere for me to write a message so I have to call. And what a nightmare it is. I have been trying to deal with them the whole day now. I started around noon trying to get a hold of a decent human person. It’s a day in my life I will never ever get back. I am writing to the Better Business Bureau next. I have to do something with this ridiculous and awful “customer service” which is such a joke.

I once thought this credit card scam was legitimate. Lately I’ve been asking myself what am I paying for well I never pay just the minimum payment and I pay every single month more than the minimum +EXTRA so tell me why since I haven’t charged anything all year is my balance still 2200 dollars almost exactly what it was last year this company is using predatory lending and a legal fees Chargers to scam many Americans out of our hard-earned money. I’ve just now begin to wage war on companies who take advantage of my fellow citizens. I don’t always read the fine print and I don’t always pay on the due date but I deserve a little flexibility and leeway says the credit card Act. This company is continued two require Hefty monthly payments when all they’re doing is keeping 90% of it or more. I called and gave Merrick Bank two opportunities to stop stealing money for me. I asked them if I had made a payment every month in 2016 she said yes she also said but they were late a day or two most of them so why is my balance approximately the same They acted as if I had made a payment in months when in fact I was paid to date when I figure it out that I wasn’t paying for anything I was just making someone else rich I couldn’t care less about my credit rating right now. I want everyone to know no matter how much you pay Merrick you’ll still owe them more and more forever. Sadly far too many of us or sucked into this scam High interest rates and bogus fees keep poor and lifeless. It’s no wonder we can’t get ahead when companies like this take more and more all the time regardless of the law. This statement is for David Hurst field or whatever the CEO’s name is I’m coming after you I want to put you and The Pour House I want you to make minimum wage and pay late fees for something I can’t wait to see how you feel. I PLAN TO POST , CHAT AND TEXT ALL MY FRIENDS

RE: MERRICK BANK

For over 7 years my wife and I have 2 active Merrick bank credit cards (accounts). During this time we had not made any late payments on either account to my recolection. We have also ALWAYS made all of the monthly payment(s) for well over the minimum payment both accounts and never did we miss a payment. During these years of month after month payments and credit card use I felt that Merrick Bank had been a fair and good company, UNTIL NOW. several months ago I had noticed that one of our two accounts had been charged a late payment fee. Though I was puzzled with this I had unfortunately not addressed the issue with Merrick. I have both accounts set up as automatic bill payments through our personal Bank, the payments are both due to Merrick on the same due dates, and I have both payments scheduled to debit our checking account 2 weeks before the due date. As a few months passed I noticed that Merrick had been charging us a late fee each month and had been stating a missed payment on 2 occasions. Shocked, angry, and worried for my credit score (My credit is extremely important as we own a trucking company with 21 employees and a couple million in equipment and my credit must remain in very good status to maintain some very large credit accounts for fuelk, etc.) As i researched further into the claims reflected on my statements month after month I found the culprates. It was none other than…….MERRICK BANK! They were the guilty party! All of the payments on one account showed on time, every time! The other account was sustaining several late charges, over payment demands and nasty phone calls to our home, not to mention that my crtedit has been severely damaged! I was just today turned down on a small finance request for under $10,000 with a $3,000 down payment! To put this into perspective for you, I had closed a loan deal on signature three months ago for over $90,000 adding to well over a half mil of financing. My business remains solid and i have been low risk for many years What Merrick had done was to hold payment entries on one account to file late charges as both of our payments always were sent the same time and debited from our bank account the same time. One was never late, the other was! ???? The so called “payment that was never made” on the “late” account had in fact been made, debited from our checking account but Merrick had credited it to our other account using the same exact transaction number for both payments on the same account and penalizing the other account, again, and again. I spoke with at least 2 representatives in the billing/ collections department, a woman who called the house, who by the way treated me like I was some kind of lying little brat, and I was instructed as well to forward my proof to the managing supervisor in the collections department by fax; all of my documention, bank statement info, copies of certified checks(front and back) for every single payment on both of our accounts for all of the monthly statements that were involved in this fiasco. On top of this I was instructed to overnight/priority or registered mail the same documents. This cost anothe $18.00 and some change. After waiting another few weeks without recieving any contact from Merrick in any shape or form I remained extremely frusterated, Hoping that as soon as we recieved our next invoice/ bills from Merrick they would reflect a correction for the “mis-applied” payment (their fault by the way as our payments were shown to be clearly and properly marked) and at least 4 credits for $35.00 each the charged for late fees, not to mention that the proper thing to do would be to also credit us for the $18.00 + postage costs due to their mistakes. Well, NOT! Nothing! No credits! No appology! No redirected payment to the proper account! No ewxplanation as to why this happened nor why it has NOT yet been resolved! All I got was another G. Damn $35 late charge and a demand for a double the amount payment stating it is “NOW DUE” The evidence is indisputable, clearly marked and documented and there is absolutely no way anyone in their right mind could argue with us or disprove at what so ever! Tomorrow is my day! I have decided that I will transfer all of our Merrick debt either to a competing card bank or just plain pay it in full in person at their headquarters so I can supervise the transaction and entries myself! I have not yet decided if I will legally seek punitive damages relating to the credit I was turned down for due to “some questionable late and or missed payments reflected by Merrrick Bank! …………HEY MERRICK !!!! You just lost a great and loyal pair of customers! GET IT TOGETHER!