Merrick Bank

This bank increased my apr to 35%. When I called to ask why, I did not receive any information. They claimed that they had sent out a letter. I explained there is no way I would allow this to happen. I would have closed the card. The supervisor told me, "Well, you can close the card, but it will closed with the 35% increase," not my original rate. I left the card alone thinking maybe there would be offers in the mail to get a new credit card to transfer these high rates, but no companies are offering good rates anymore. I called Merrick today and got the same old runaround about how they do not take requests from the customer to lower rates. Now, they have a monthly $4.00 fee attached to my account. These guys are crooks, and I'd like to know how they are allowed to get away with their crimes.

I pay my credit card with $500 on the due date instead of $15 minimum payment and they charged me a late fee (when I pay a week in advance of my due date)? Their customer service rep is rude, uneducated people who were hired to sit around and call customers by name, and I had a fraudulent transaction and they will not remove it. I had to contact my credit bureau to do the dispute.

They promise me they'll remove one of the late fee I got hit with, when my payment was a week before due date and I never see it happen and when I called, they told me I need to know how to take charge of my finance? I've heard and read over a hundred complaints about them with familiar situations that I go through. This is ridiculous and I am not going to put up with them, I don't see why I should. As a consumer, I'd like to chose the best for me and they manage to make my account so ridiculous, that I've spend enough time trying to solve my problem with them.

I started out paying $30 a month, I believe I was late once and paid around $60. I went to look at my account to see why the charge kept going up. I notice out of all my payments made only 3 say posted and all the rest say processed, I talked to a representative on the phone, she said the statement read that my payments are posted, then she ask me did the payments process through my bank? I told her yes and I had my bank statement to show that, I did not get a clear answer to why the majority of my payments say processed and not posted.

Merrick has reported that I did not make payments on April 2010, May 2010, and June 2010. The payments were due on the 23rd of the month. I sent faxes showing that the payments were deducted from my checking account on April 29, and May 24, and June 25. They are refusing to correct my credit, showing that I made these payments. My credit report is showing 90 days late in payments. I sent the proof to them on October 25 and October 27, showing them payments were made. I do not know the next steps I should take. I have sent the information to TransUnion credit company, disputing this 90 days late they have on my credit report.

It has been a nightmare trying to get an issue with them taken care of. I have sent 4 different letters to more than one address and also called customer service. They charged me 10 dollars for a 20 dollar cash transaction. My regular bank's ATM was down. So, I needed some cash and used another ATM to get money from my card. I had no idea they charged 10 dollars for any cash transaction. I can't get an answer as to why and if this is in the contract, and I asked them repeatedly to take the charge off.

They will not answer me and when I contacted customer service, they just smarted off about it and hung up. This company is rude and acts like they are untouchable by the law or any kind of bad business practices. All I want is my 10 dollars returned to my account and I will never make the mistake of using that for cash again. Also, I am paying them off and going elsewhere, because this is poor customer service and they really do not care if we leave their company at all, and as much told me so on the phone. I would not recommend them to anyone.

If you get a c.c from Merick, you may want to bring some KY with you and hold on. I went to pay a payment they said I can't pay now. They said go online, I said cannot do that I had a stroke. I get messed up easy. They charge me a late fee. I have told them I have a problem, I'm a handicap.

I make them a standard payment every month. Then they raised their minimum due, and I still made my normal payment. There have been no charges on the account, and they could not tell me why my monthly amount changed. They charged the late fee, and then refused to remove it. I will never get this account paid off, so I guess I will stop trying. They are ripping people off, and no one seems to care. I have been paying on this balance for two years; the amount due has not changed, but continued to claim. Why is it that the government will not step in, and stop thieves like them? They are robbing people, and no one is stopping them.

I bought two new cars within 8 months and my credit score went down a little. Merrick Bank sent me a letter of cancellation. When I called to ask why, no one I spoke with seemed to know! One woman recommended that I write a letter to be reinstated. I was turned down even though I had never made a late payment, paid on time and always sent more than asked. I was finally told that it was because my credit score went down and to wait to receive another offer from them. Is this a bank? It sounds more like a scam. I never had this with my other credit cards.

On Nov 17, 2010, I received my statement from Merrick Bank. It listed payment due as November 12, 2010. On the next business day, November 18, 2010, I called their customer service and spoke with a Christine. I told her I just got my statement and I would send out a payment that day, November 18th 2010. I said as I just received the statement if they could waive any late charge, if any, that could occur. She said yes. I also asked if I could use my account normally. She said yes.

On November 23 2010, I tried using my card again. Again, it came up declined. So once again I call customer service. This time, the rep states to me that she will have to transfer me to the department handling my account.

On the line comes Tom **. So I explain everything to this guy. He gives the standard 'I'm sorry' blah blah. He went on to say, "But that's correct. You didn't pay so we freeze your account." At this point, I was puzzled and explained to him everything that transpired from the 17th of November. He then says that I was given the wrong information by the customer service reps. That I didn't make a payment so that's that. We go round and round and he goes, "Well, what do you want me to do." I said to him to unfreeze my account as I was told twice that I could use it and waive any late fees as it wasn't my fault. I got the statement late.

He replied no, pure and simple. He said that I should take responsibility and that I know a payment is due on the 12th of every month that I should have made a payment. I said with what? A blank check and no statement? He told me there's nothing he can do. I said but I called twice and asked specifically about my account. It's not my fault their reps gave me the wrong information. If I was told right off the bat, 'Your account will be frozen until we receive a payment,' I wouldn't have tried using it in the first place.

Keep in mind I have never missed a payment with them and my balance is only $200.00. So it isn't like I owe them a lot of money or have a history of missing payments with these people. The minimum that is past due was $34.00. For $34.00, they freeze you? Sad. I said I called in good faith as soon as I received the bill to inform the bank that I was sending the payment. Tom goes, Well, that's just a comment listed on your account. It doesn't mean anything." At this point, I'm insulted by 'doesn't mean anything.' I had the decency to call them and explain what had happened and that a payment was coming and it doesn't mean anything? My phone calls following where I asked about my account and was told it was fine, means nothing?

On the late fee, he goes that he can't waive it because they had waived two prior already. Yes this is true. The 1st time was my fault as the payment did not get mailed out in time. The 2nd time, I had mailed it a week prior and they said they received it 24 hours late. I stated to Tom that if it was my fault, then yes, I have to pay a late fee. It's not my fault. I didn't get their statement until after the due date. Tom stated, "It isn't ours either. We have no control over the postal service." Which is true, but come on, look at the facts and not tell me that I'm wrong for not mailing them a payment out of the blue without a statement when their reps gave me wrong information twice. If they didn't make mistakes, then yes, throw stones and tell me I'm in the wrong.

Their entire attitude is "we don't care" and they all, every single person that represents this bank tells you, "You can close your account if your not happy." I have never heard this from other card companies. Others seem to want your business and strive to correct any issues. Not Merrick, they make you feel like you owe them a favor for doing business with them and that they could care less if you stayed on or not.

Wow, it sounds like Merrick Bank needs a friendly visit from Bin Laden! Their scam and fraudulent business needs to be extinguished like right now.

On July 2, 2010, I submitted via online a $2,500.00 payment toward my $4,800.00 limit. After the payment was credited, only half of it was there. I kept checking everyday to see if they had made a mistake but when I called to see where the other half of my payment was, I was told that they only deposited half to my account and the other half is held for 10 days. Why would they hold a payment that comes directly from my checking account for 10 days? Is it so they can collect more interest? I'm curious as to how they are allowed to do that. I just want to get them paid off within the next month and cancel their card. I won't do business with a company that operates like this.

I called about the $8 a month fee on my credit card and the 35.7% rate. I asked if anything could be done and he said no. Even if I close the account, the rate and the fee will still happen every month. I never got anything from them. I can't believe they can do this.

Monthly payments went from $55.00 to $70.00 for no apparent reason.

The bank started charging me an annual fee of $8.00/month. I had never seen this charge before. The account has been closed for over 2 years. I called to complain, and they stated that they sent a notice of the change in my account, and that I was past the date to deny these changes, and that they were not going to do anything about the charge. I don't remember seeing anything, communicating those changes, because if I had seen a monthly fee for a card, I don't even use, I think I would have declined that. They also raised the percentage finance charge on the account.

It ** me off that when you call in, there is nothing they can, or will do about it. Customer service sucks, and I think they are a bunch of crooks. Now, I'm paying $96.00 a year for a card I don't even use. How does that make sense? Any way to milk the consumer out of money. I am a student, and on a fixed budget. Now, I have to come up with this extra money. I can't wait to pay off my credit cards, and tell all of these companies to go to hell.

The lovely Merrick Bank. Merrick recently closed my long standing account stating that the credit card was over its limit 2 times. They did not send me notification that they were going to do this. They just closed it, then sent the letter. I also had the payment protection plan service that I paid into for several years.

I called Merrick to review my statements with them, at which time they told me they could not look back further than 3 months. I have been unemployed and disabled with Multiple Sclerosis for some time. I was told by the "payment protection plan" that I had to be collecting unemployment in order to qualify for the program. Seeing that I had not worked due to disability in quite some time, this was not an option. I had paid the card with other resources over the years.

In reviewing my statements, it is apparent that the bulk of the problem is the annual fee, and overlimit fees associated with that. I will take responsibility for the late charges but it is their charges that kicked me over the credit line to begin with, not purchases. This is insane. I have paid hundreds and hundreds of dollars to them for one day late over the years.

I have not charged on this account in a year. I asked them to reconsider, as I have had my credit score plunge due to them. They offered the "hardship program". Amazing! Where was the "hardship program" when I was calling months ago? Merrick has made millions and millions of dollars on the hardship of other people. I wish I could charge Merrick $39.00 for every phone call they made to my house to aggravate me. I would be on beach front property in the Islands.

I received a letter where Merrick Bank inform about changes on my credit card account (effective date 12/14/09) and inform that, at my request, Merrick Bank could send a "statement of the specific reasons". I understand that Merrick Bank can make changes on my account due the contract so I do not think about ask for a "statement of specific reasons" because I do not care about "why". [They] decided and did it and even you explain it nothing will be change so save a tree.

My APR is 14.70% and Merrick Bank will increase it to 21.70% and it means more 7% so, if at this time I pay $42.50 per month as APR after this change I will pay $54.25. In one year I will pay an extra of $141.00. As I know the prime is around 0%...Merrick Bank could do it and could call this change by the name that Merrick Bank like to do. I call it ROBBERY!

Finally I would like to order Merrick Bank to CLOSE my account immediately. extra $141.00 per year due this change on the APR

This organiztion fradulently optained a copy of my credit report without my authorization. I became aware of this after I requested a copy of my credit report. I contacted the organization and they will not remove their inquiry. Additionlly, I received a letter from them that states I applied for credit in August of 2004 ~ which is correct. However, that does not give them the right to pull my credit report for credit in January 2009.

Please help.

I wore, e-mailed, and faxed this bank to let them know that due to financial hardship I cannot resume payments on my credit card until January 0f 2010, but that I have every intentions of paying this debt. They have been calling and harrassing me 8-9 times a day. How do I get them to stop?

I made a large payment on my account in august. never recieied a bill in september. got a delinqiuent notice on September 24. called to find out what was going on and told my bill was 55.00 but I had to pay 115.00 right away. I've never missed a Merrick Bank payment. They didn't have a problem sending me a form telling me they were raising my bill to 32%. Since when do you get harrassed by a credit card company if your bill is nine days past due?

I have been charged with amount that I have no knowledge about. I contacted the bank numerous time to dispute this but no luck.

My credit is affected by this.

After 5 years with this credit card, with no anual fee, they are now charging a $96.00 anual fee. I wrote a letter to them stating that they can not do that baised on their reasons given in the disclosure and pricing appendix. They stated that they will be billing the anual fee at $8.00 per month any way. They have billed me for $9.00 for the monthlly fee. This took effect Feb 18th, 2009. I have all documents that came with this card except the paper that the card was attached to which includes the pricing appendix.

Lots of mental stress and trying to come up with $750.00 asap to pay off and close this account That is almost a 2 weeks paycheck. Monthlly payments have increased $10.00 per month.

After doing business with this credit card issuer for several years I recieved a letter informing me that if I did not completely pay off the balance on the card and close it within 1 weeks time I would now be charged a $96 annual fee. I called the company to tell them I was opting out of the change in terms and expected to be able to pay off the closed account at my existing terms, as any other credit card company I have ever had allows. I was told that I had to pay the account off in full in within 1 weeks time to close it and would not be allowed to pay it off at my existing terms.

I signed a "Stipulation for Payment" in December 2008 for a debt owed to Merrick Bank.

I was unaware of my right to negotiate the payment and was pressured for time and was intimidated with the fact that my debt became a legal matter. I never had this happen to me, ever. I was not in a financial position to consult with an attorney on this, so I was alone in this.

Before I signed the agreement, I tried to contact Merrick Bank Recovery Center in December 2008, to try and make payment arrangements with them but the phone call was cut short due to the disrespectful and an abusive manner.

Before signing the agreement I contacted Suttell in December 2008 and was asking them about payments they also had an unprofessional attitude so that call was cut short.

February 1, 2009, I faxed Merrick Bank Corporate Office in Utah and requested to them for a reduction in my payment and again NO RESPONSE!

I have all documentation if you need this. I NEED HELP!

This type of behavior is intolerable and resolves nothing!

So, I am hoping you can get an answer for me.

If this amount does not get reduced, I will have to look into filing bankruptcy. My next payment is due on February 25th and I do not know if I will be able to pay the $150.00.

By the way, I work temp jobs so my income varies each month. Also, for the past 3 years, my income has averaged about $8,000.00/yr.

I had NextCard* [Arizona] - $700 limit - Low Bal Paid more than agreed then they bellied-up Merrick [Draper, UT] took over - mailed payments cert - they rec'd cert and lost check - IT has never come back - I kept paying around this until paid in full - while for FIVE yrs they have taken a ZERO balance to $2,239.00 on Credit Bureau report - claiming this chg'd off - Jan 2008 I have files and letters sent to Sen. John Warner and what he wrote Merrick - then FDIC - Cora somebody - supposedly settled this - Have all emails from here and over time over 250 harrassing phone calls - [Taped] Now rec'd payment plan from CardWorks this past July [2008] demanding a 40% off payment plan + $1,343.90 worth of payment coupons @$49.77 - for 36 months-

I use the above banks' credit card. In the last year and a half I have paid my bill electronically. Last month I paid the bill and paid extra because I wanted to purchase something with the card.

After five days and confirming the funds were taken out of my account via electronic deposit, the funds were not available. When I called the bank I was told it takes them ten days to place the funds back on the card, but if I wanted them to do it faster I would have to get a statement from my banking proving the money was taken out of my account and fax this to them? I refused, and spoke with a supervisor and indicated that it was unfair to pay a bill and then have to wait ten days to be credited when my bank clearly showed the funds were taken out of the account.

This is something this bank does often. It is even more unnerving because we have due dates and can't be irresponsible with paying our bills past a certain day, why is it legal for this bank to hold on to electronic funds for ten days. I explained to them that I need the money credited for an emergency and their response was poor. With electronic deposits it is my understanding the money takes less than a day and the Merrick bank knew I had already paid the bill but refused to release the credited funds. This is ridiculous and should STOP.

Electronic payments not credited until 10 days after clearance. When I checked on line to find out why was charged $6.95; though payments were received well in advance of the due date, I was charged daily interest while they put a hold on the funds. Was charged an over-limit fee, while they were holding my payment. FYI- the funds cleared the next day.

I know I am not the only person who has complaints about this credit card issuer - not really a bank - because I have seen Web sites devoted to it.

I have had a credit card with this "bank" for several years and recently received a notice that my interest rate was going up to 35%. I called to ask about it and to request that it be lowered. The individual I spoke to said "we are not lowering interest rates." No explanation.

Anyway, I asked that my account be closed. It's an old story - they are preying upon individuals who may not have great credit ratings.

There should be some kind of law against these insane interest rates. Not sure if anything can be done about it.

I had a zero balance on this account for over a year. This credit company charged me $8:00 a month for finance charges though I had a zero balance. For one reason or other the $8 or $9:00 was unpaid by my Bank in April.Before then, I had called the credit company to close the account. They did not close the account and were still charging me finance charges for nothing. I HAD ZERO BALANCE!!!!! I was accessed late charges of $30:00 which I paid.

This credit company still reported me to the credit bureau as being late in APRIL 2005. I HAD ZERO BALANCE. I had a clean record of paying them on time over the years. I AM REQUESTING THAT THIS LATE PAYMENT BE TAKEN OFF MY CREDIT HISTORY IMMEDIATELY. This is unfair and ridiculous.

Merrick Bank raised my interest rate from 19% to 26% without notifying me. I called Customer Service and was told the bank can raise the interest rate whenever they wanted to and she couldnt tell me why

For the past 2 months I have been harrassed on the telephone even on Sunday, today September 28th, I received 3 calls. They are afraid to get on the answering machine. They are harrassing me about overlimit and late fees that I have disputed but they continue to put them on my bill. They wait to post my payment until the day after the due date, so they can charge a late fee. When I talked to them I told the person I was on the do not call list and they replied hatefully that it did not apply to them, although their calls were to try to sell me a "Back on Track Program".

Why should I want to do that when the erroneous late fee and overlimit fee charges were their doing. I am 76 years old and told the person to stop calling me as I did not feel like fooling with them being in ill health. According to the Department of Aging thay can only call you twice a week and must stop when told to, they laughed at me.

rude and said that she had called several times and he had not called back.

I have never taken a message from her and there had been none on the machine. The second call was an hour later
The woman refused to give a name or number but I identified the source of the call by the caller ID. She asked when
my husband would be home. I said I would not tell her but I would take a message and he would call back. She said that she
would not leave a message but would "keep calling until she spoke to him" I said that unless she could give me a good reason I did not see why

I should tell her when or where she could reach my husband.

I had a Visa card granted by NEXTBANK for about 2 years. I was using this card to pay my MSN internet subscription bill. I was then offered a card with far better interest rates which I applied for and received. Then, in one day I cancelled my Nextcard both by phone and in writing and called MSN to have them start using my new Visa card account-which they did.

Now somewhere along the line Nextcard rolled my account over to this company called Merrick Bank of New York state.

This Merrick bank then sent me a bill saying that they paid my MSN internet access acount. The account number they assigned to me ends with: ****6215. I also got a bill from my new visa card company (MBNA) saying that they paid my MSN bill. My card number with them ends with:****9196. So, I called MSN and they had been paid by the Visa company (MBNA) that I had selected.

I then called this Merrick bank number and got only an automated response wherein I had to punch in my ...'credit number'. So, I read the number off of the bill I was holding and they said that "this account has not been opened. Press (some number) to open the account." I just hung the phone up because there were no other options given.

I accessed the internet site for this Merrick bank and filed a dispute. They sent me the complaint form. I filled it out and sent it in. I got another bill from them. I went through the complaint process again. I got another bill. Now I have their bill collecters calling me demanding payment.!...

1. I did not apply for or activate Merricks card.
2. Merrick says that they paid MSN when in fact they did not.

3. I can not get anyone exept bill collectors on the phone when I call Merrick Bank.

When Merrick Bank bought out Next Card, they acquired my account. I didn't receive statements, or my new card. The various employees I spoke with refused to give me my account number or any information. My address was verified several times, both over the phone and in writing and was confirmed correct. I spoke with yet another person, who informed me that the apartment number was missing off of their records.

This account was in good standing before they took it over. All the employees I spoke with were not only rude, but they refused to help me. I asked for payment arrangements to be made, for statements to be sent and for my account number so I could at least have internet access. All were denied, but according to the last person I spoke to, by his own admission, the company was in the wrong.

I was avid about getting my payments to Nextcard on time. I had their card for about 6 months, (acct # 4120 6180 0132 3860), without one late payment and noticed that my statement had a late fee of $35.00 and my interest rate jumped form 9 percent to 24.99 percent. I called Nextcard, in which they stated that my payment was received one day after the due date. I very much dispute this and cancelled my account on the spot. I received another bill for my balance which stated $1,177.00 including the late fee. I mailed them a check for $1,177.00 to pay it off completely.

Two months goes by and I recieve a bill for $77.00 for late fees. I called them again in which they stated again that they received my payment one day after the due date. I went through the whole story again to the person on the phone, they said they would take it to a supervisor, who will contact me in three days. I never heard from anyone. I then get a bill from Merrick Bank for $107.50 for outstanding balance. I spoke to at least six people whom all said they will look into it. I got a call from another person at about 8:00 pm. I told them they where rediculous, she sounded sympathetic and said she would get her manager Julie, I believe. This assumed Supervisor told me she would get this taken care of but that I should pay this amount up front.

I told her that I did not trust sending money to them. She said she would take care of it and gave me her number. I did not hear from her for over a week, so I called the number only to find it is Merrick Banks customer service line and that there are no Supervisors named Julie there. Yesterday, (Saturday Oct 26th, 2002), I got a call from a very rude person from Merrick Bank demanding payment. I hung up the phone on them. I also got another bill yesterday for the new amount of $145.49, all late fees and my interest rate is now at 35 percent!!!Please stop these crooks.

I am owed a check for an over balance I have with this company after I closed my account. This check was supposed to be mailed to me back in September of 2001, as of November 19th 2001 I have not received this. Each time I call I keep getting the response "You will receive your check within 7-10 days" I have received this for the last 60 days.

I was accessed an annual fee to my account. I choose to pay the account off and not pay the annual fee. So, I called and closed the account on 5/15/00. Paid all of the charges off by the due date. However, Merrick Bank is saying that I used the card during period in which the annual fee was accessed thus I accepted responsibiltiy to pay the annual fee. This is not what the cardholder agreement states. It states that you may use the card during a 30 period once the annual fee is accessed, without incurring responsibility to pay the Annual Fee.

I have tried to read this to there collection people on numberous occasions. However they keep saying I have to pay and usually hang when I say I wont pay. They say I am destroying my credit. I have been dealing with them for the last 5 months. I have names of numerous people who said the account would be credited and that I did not owe any money. However, the people in collections, will not here this namely Nick Money and Joanne Sacco. They insist that I must pay and now the account balance is over $250 dollars, because of late fees and other charges they have accessed to the account. Please help me. These people are rude, unlawful,disrespectful and just downright dishonest. Please protect me and other consumers from them. I have all of my statements and letters from them.

I use Sanwa Banks bill paying service. They guarantee my payment will be made "no later" than the due by date I specify. Some on the payees I specify receive their payments before the due date, since Sanwa does do guarantee they will not deliver earlier. However,Merrick Bank payments are always posted several days after the Bank guarantees delivery.