Merrick Bank Reviews

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.

After that, I wrote to Suttell and instructed all contact be made by mail or email. 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.

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.

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.

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.

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.

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.

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.

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 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.