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The Merrick Bank
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The Merrick Bank
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1.4 36 Reviews

The Merrick Bank Complaints Summary

4 Resolved
32 Unresolved
Our verdict: With The Merrick Bank's very poor resolution rate, careful consideration is needed. Research their service comprehensively, and read up on how they handle customer disputes. If you face issues, be prepared for potential challenges in obtaining resolutions and explore other service providers as backups.
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The Merrick Bank reviews & complaints 36

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4:07 pm EDT

The Merrick Bank Stolen card- took over 2 hours to get resolved

My card was stolen. I called and clearly followed the correct prompts for lost or stolen card- takes you to customer service. They can’t help. I was transferred twice and then the call dropped after 1 hour.

I called again today and same scenario first rep couldn’t help. I waited over 45 min to get to fraud and the call lasted 2 min.

There is no reason why a long time customer should ever have to wait that long to cancel and replace a stolen card. I had to deal with a ton of other cards and all easily complied. I complained to the reps and they said they were sorry and I asked each to file a complaint on my behalf but I clearly could tell that was hot happening. The last rep said have a nice day and disconnected the call.

Very very unhappy with the service, lack of ability to get to someone for a simple request. Not sure I will remain a customer.

Desired outcome: Better communication options. Correct IVR and do not send customers into groups that can’t help. Lack of empathy or urgency after wasting 2 hours trying to get my card replaced. Value your customers

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10:33 pm EDT
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The Merrick Bank interest charges

I have paid my payments on time. not charged any thing on my bill.no matter how much I pay you guys add $53.53 to my bill. I am 79 years old; my wife is 80 yrs old. we are trying to pay this off, but we never will be able to at our age if you keep adding to it! Please help. thank you. account number [protected]

Desired outcome: I would like for you to stop adding charges to my bill, And work with me on this. Please & thank you. We want to pay this off before we die.

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2:46 pm EST

The Merrick Bank Merrick bank rv loan

Started automatic payments from my bank account as automatic payments in Nov 2020. Noticed that my credit score was being downgraded, logged into Experian account to find that Merrick Bank was turning me on time for Oct, Nov, and Dec as on time and multiple payments late for 2020 to current. The check is sent out automatically. If the checks were showing up on time in 2020 then they are also showing up in 2021 on time.

Please see the attached photo for the reports that Merrick has done. The first three payments are on time but list multiple following payments as late. This is impossible as the payments are generated automatically thru my bank.

Desired outcome: I want the paid late status removed. I have no control over what Merrick bank does when it recieves the check. It arrives the same time each month. If it was on time in 2020, then its showing up on time in 2021 and 2022.

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Update by sexvujixe
Feb 18, 2022 2:43 pm EST

Please cancel this complaint, Im taking another avenue. Thanks for your help.

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7:55 pm EST
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The Merrick Bank Charges on card i have not recieved

I was approved for a card from merric no fees no membership fees.
I called to see when i would get my card and the automated service said i have 74$ charged on my card. I haven't received my card yet. Im not sure if it was sent to the wrong address. How was it activated without my S. S. Number.

Desired outcome: Get my card/ remove charges

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12:14 am EST
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The Merrick Bank Billing Scam Tactics

Merrick Bank have constant over charge my secure credit card account each month cramming hidden fees. I had scheduled a payment but apparently kick back on the day try to run the charges but then I have reschedules the fee but shortly. Merrick ironically sent out a statement to close out my account. Next Merrick was reporting false late payments to the credit bureau 2 times a month to make my credit score drop. Merrick run a scandalous acts reporting $ 254.00 later and new the entire time my account was close. They have cause me emotional damages and negligence try ruin my credibility to obtain credit. I would not recommend this shady credit card company by the way my money loaded onto the account then their suppose to runn as good faith to the credit bureaus. A horrible experience. Merrick keep secretly reporting to the credit bureaus as late payments when the account is closed.

Desired outcome: Decrease all billing scam tactic and false report

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12:43 pm EDT
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The Merrick Bank Two direct fdcpa violations

I called merrick bank after receiving a notice to cancel my card after 16 years with you, as I lost my job but was still making monthly payments, but due to merrick banks essisive charges it would push my monthly amout over the limit. I called and asked how and if I can get the card reopeded and the agent said yes if I paid $316 they will reopen the account, I borrowed and paid $350 direct, a few days later I called to confirm paymnet received and was told that payment was received but they will not reopen the account. I asked for a supervisor and explained as I did to you, she said she will listen to the tape and call me back. After no call back I called merrick back they doid confirm the fdcpa violations but said nothing will be done to correct it.

Robert wheaton [protected]

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8:59 pm EDT

The Merrick Bank Credit card customer service

Very poor customer service. I called to activate a replacement card. After I gave the employee my whole card number he asked for my ssn. I had already supplied my name, credit card number, last 4 of my social, home phone, cell phone. When I questioned him why he needed my ssn too, he said he would not activate the card without it and got snippy and then. ask for my mother's name too. Really! I'm not happy about my experience with this bank.

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10:17 pm EDT

The Merrick Bank Random shutdown of account without notification

I have had a Merrick Bank card for over 2 years. Recently I have had multiple fraudulent charges atleast 4-5 times in 6-8 months. I get issued a new card everytime no issues. The last one a couple weeks ago I get a new card I activate it and it's declined. I call the credit card company and am informed my account is closed because of high risk fraud. I never received any letter of it being deactivated or anything of that nature. How is it my fault that i have people making fake copies of my card or stealing my information. Horrible business practices from this bank.

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steve schaff
, US
Aug 26, 2022 3:57 am EDT

I had a Merrick card for a couple of years- maybe 18 months- never paid late and never rang it up past 600 bucks. ($40 dollar late fee and 26% apr). Not the greatest deal, right?

I called them today because I havent been able to use the card in months.I do everything online.pay all my bills online. "We closed your account in May, " she says after the 16 minutes on hold. " We sent you several notices and your behavior didn't change" , I'm thinking"WTF?"

"You tried 3 times to purchase chips at an online casino , and once at a brick and mortar casino in California". So, we closed your account" F-ing amazing.. The nerve of some companies, You are going to dictate where I can spend my money as well as rip me off . Kiss my ... Merrick.

The only resason I called is I noticed some s.o.b. putbank certainly does- Good Riddance (sons o' [censored]es) a late pay on my credit report, She denied it was them- but it definitely was them - my score dropped 125 points, total B.S.

Stay away from this institution, you will get burned one way or another

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V
2:35 pm EDT

The Merrick Bank Changing my payment method from my debit visa to my credit card visa

I submit my debit visa #5310 for, method of payment, to play the gsn games, I have used this debit visa card, dated back to 2016. As of June 8, 2017, an unauthorized person went into my account and changed my debit visa #5310, to my credit visa of Merrick bank #4743, Merrick bank claims I used credit visa #4743, starting June 8, 2017 to play the gsn games; in-turn, Merrick bank charge my credit visa card #4743 with them $236.00 for games played. Someone switched my debit visa #5310 to the Merrick visa # 4743 without my authorization.
GSN stated ""secure payment"" How did this fraudulent transaction occur without my knowledge?
I DO HAVE, 100% proof, I did not used Merrick visa card #4743, to play the games, dated June 08, 2017 etc.
A fraud has been committed, I request to have those charges removed off my Merrick visa #4743, total $236.00, my balance for Merrick visa should be @264.00. PLEASE RESPOND vera Jackson

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8:33 pm EST

The Merrick Bank Credit card

I have had an account with Merrick bank for years. I get my bill in the mail every month, despite signing up for electronic invoices and I pay my bill on time every month. For several months I have been receiving emails from them stating I needed to click on the link to verify my account as they are unable to get mail delivered to my address (despite me getting the bill every month). I did not click on the link I assumed it was a phishing email and I just continued to pay my payments. Today when I logged in to pay my bill I noticed that I didn't have any available credit so I called and was told my account was closed because I did not click on that link in the email, who the hec sends an email like that with the heightened awareness of phishing? A very rude customer service representative and his supervisor told me they would send me a letter telling me how to reopen my account. I asked them "so you want to send mail to an address that you say is undeliverable. I was told there is nothing they can do, despite this obviously being their mistake. So they closed my account which will reflect on my credit because of their error, despite me making my full payment on time every month. This is illegal credit practices and judging by the complaints I am finding on the internet a common practice for them. This needs to stop How complaint can be satisfactorily addressed I want an apology from company and my account reopened. I never intend to use the account again, but this should be reflected on my credit report

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4:05 pm EDT

The Merrick Bank worst bank ever

I had my account with advanta bank which was bought out by Merrick in 2010. I never received anymore statements. I called with my concerns only to find i was charged late fees. They refused to send me paper statements. They refused to sign me up for online payments and wanted to charge me $10 for phone payments. I paid off my balance. I asked to close my account and delete my personal information and they refused! Why do they still need my SS#? Do not bank with these people. I had no choice but you still do.Very shady!

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6:00 pm EDT

The Merrick Bank Heartless

When my father died, my mother lost half of her income. She called all her credit cards and worked out payment plan she could afford and slowly paid every card off. Every card except for Merrick.

They absolutely refused to work with her. They were horribly rude and treated her like she was some kind of criminal. She has been doing her best and slowly paying on it, but they weren't satisfied. Now they are suing her for 5, 000 over a 500 balance. She the most hardworking person and educator. They disgust me and I can guarantee they will never see a penny from me or any of my friends.

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7:14 am EST
Resolved
The complaint has been investigated and resolved to the customer’s satisfaction.

The Merrick Bank Lies

Merrick bank holds my payment for a week before posting money to my account.Now my airline tickets cost more and they want to charge me $48 a year to be abused.35% interest! I pay off balance every month and they are angry they don't get to rape me anymore.If I cancel card they will screw up my credit.This shouldn't be legal. Where's the politicians? The SOBs are bought off! The median age of this Brigham Young Univ. educated band of thieves is 36 years of age.Chanin Christensen v.p./hr manager, Matt sellers, John Stevens, David Young, Scott Foster Shame on you! Is this what the Mormons do, teach their young to steal, lie, and cheat?

Read full review of The Merrick Bank and 2 comments
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Big Sean
Big Sean
New York, US
Aug 03, 2012 9:50 pm EDT

And they got the nerve to get nasty with me on the phone.

Big Sean
Big Sean
New York, US
Aug 03, 2012 9:49 pm EDT

I got Merrick Bank calling my house by harrassing me abouit a late bill.I will report them to Consumer Complaint Com and expose them.

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5:37 pm EDT
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Featured review
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The Merrick Bank - rip off

In light of the economy and Banks getting bazillions of tax payer dollars to make things easie for people, last week I called Merrick Bank and requested the reduce my outrageouesly high 26% interest rate. They were totally unsympathetic and flatly said no. The following week (July 15, 2009)I received a notice from Merrick Bank advising they were raising my...

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11:41 am EDT
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The Merrick Bank unauthorized charges

Every 15 of the month I get my monthly statement, I send the payment out the very same day, I send the payment to its hicksville office in ny, mind you I live in nyc, so it should only take a couple of days. the following month I get a late payment fee of 39.00, the only way they stop charging me that 39.00 is that I started sending it usps priority mail with delivery confirmation. that way I got proof that they received it early. when I got the card issued its apr rate was 9.7 totally reasonable right, then it went up to 17.9, now with the so called late fees it shot up to 32 percent that when I contacted my attorney who negotiated with them to bring the total balance from 1200.00 to 275.00 which I immediately paid and canceled my account. merrick bank are a bunch of thieves good riddance.

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6:43 am EDT
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The Merrick Bank scam and lies

I have had a credit card with Merrick Bank for over a year - I have never been late. My company closed and the company I worked for owed me over a month's pay. This company started calling me yesterday (Cardholder Mana, my caller id shows they called 5 times today and it won't register how many yesterday (because they called 5 today and it only goes back to the last 10 calls). They are labeled Cardholder Mana... now, I have never talked to them (because I didn't know who they were) and they have never left a message... I talked to them today and they told me that I was 9 days late but that I was being reported as 60 days late. I am not. They are going by my last pay date, which was early and even if it wasn't as of tomorrow - it still wouldn't be 60 days (the date due is being listed as of 8/07/08). Would anyone out there really believe that if I was 60 days late they would wait until yesterday to call for a credit card payment?

Read full review of The Merrick Bank and 8 comments
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Kevin wigfall
Newark, US
Jul 18, 2023 4:21 pm EDT
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This person took money out my account

I been calling trying to fix it. I haven’t got any help doing so. I put the Receipt to the online purchase on the app. Everything you need is on the receipt. The store and the person who did it.

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Alley23
Brooklyn, US
Jan 18, 2023 9:05 pm EST
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Yes, they are a scam. they changed my account number on a card that I never had. they are now saying they are not using visa anymore so any merrick bank card with visa has been blocked and you cant use it. you can only pay your bill. that is a breach of contract. I will cancel. they were involved in millions of dollars of stolen identity. the online scams could have been avoided. I am done with merrick bank.

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Stephen Howard
, US
Oct 25, 2022 5:13 pm EDT

I have tried to cancel my account with Merrick Bank but not allowed to cancel but they keep charging me a monthly fee on the 18th of each month

account #[protected]

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paul e walters
gainsville, US
Sep 20, 2022 4:37 pm EDT

i just noticed merrick blocked off incoming emails.

will not recognize account numbers.

google gmail notices not able to send.

google log in to merrick bank blocked.

turns out they are a left wing forign entity here to screw us over.

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Brenda j brooks
, US
Oct 22, 2022 3:27 pm EDT

I believe you? They switched the accounts I have a brand new account number and I ve always mailed my payment? they called and said they have not received the payment?. With this recession and Merrick bank constantly calling someone could be trying to scam me. Well I got my receipt for that money order? So they can pull whatever trick they want I got my receipt.

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debtfreesoon
, US
Nov 03, 2019 10:42 pm EST

They are real but not the best choice in choosing a card.
I've had one for years but I got my card at a time I was rebuilding credit. Some 20 years later I have very good credit - have always paid all my bills on time - but for some reason, that is not rewarded by Merrick.
Interest rates continually increase and their fees and procedures are excessive compared to other banks. My opinion - avoid at all costs.

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tomvan
, US
Oct 24, 2019 6:52 pm EDT
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Merrick Bank is a total scam. It is not a real credit card offer.

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Reviewer60195
,
Nov 20, 2018 1:29 am EST

I received a credit card application from Merrick Bank in Utah and I don't believe they exist !

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scam and lies
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