Merrick Bank Corporation

The phone number being called has been disassociated with the accountThe account has been flagged as account owner deceasedThere will be no further contact with anyone concerning this account. Merrick apologizes for any distress this may have caused the family

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me but From 11/4/to 11/10/I have not received the certified mail claimed to have been mailed out on 11/4/ I also have not received the refund for the first payment made to them for $36.I would like verifiable tracking information for the mailing this company is claiming to send me
Sincerely,
*** ***

Merrick's lock box vendor receives the mail from the Post Office times a day every day except Christmas day. Payments are posted on the day they are received. As stated in the reply the Dallas Texas post office has experienced delays in delivery of the mail. Merrick does follow the law and take the responsibility of posting payments to its accounts seriously. The reply pointed to many other ways to make payments to avoid the delay with the post office. MsLoonan can use one of those methods or she can send her payment days or more before the due date

Merrick’s records show that Ms*** opened an account in September and used the account for the purchase of goods and servicesThe account charged off on March due to non-payment Merrick uses several different agencies to collect its charged-off debtsThe current status of the
account is charged-off for non-payment, which is the accurate report according to Merrick’s recordsThe balance owing on the account is $1,If Ms*** wishes to find out what options are available to pay the balance of the account she can contact Carson S*** at 877-487-to discuss her account

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me
Sincerely,
*** ***

A review of the account was conducted. According to Merrick’s records there have been two credit bureau disputes alleging that the account was not opened by Ms***. Merrick investigated the disputes and concluded that that account is not fraudulent and was in fact opened by Ms
***The account was opened in August and was used for the purchase of goods and services. As stated above it appears that this account belongs to Ms*** and the credit reporting sent is accurate and will not be removed or changed. If Ms*** has some documents or proof to the contrary Merrick will re-investigate once that information has been provided I have enclosed a copy of the application, letters sent and statements reviewed for this response

Otha W*** opened an account with Merrick in September and used the account for goods and servicesThe account became delinquent and subsequently charged off by Merrick. A charge off is an account function and not a forgiveness of the debt. Consumers with charged off debts are
still obligated to pay those debts
The account which has been owned by Merrick since it was originated is currently being reported as a charge off. The account was charged off July 2010. The reporting of the account status to the credit reporting agencies is correct as is required by the Fair Credit Reporting Act. Merrick will not change of delete that reporting to do so would be a violation of the Act. Enclosed are copies of statements reviewed on the account

Merrick has several accounts with this same name. None of them have this address or phone number. Ms*** will need to provide additional information such as previous addresses and the last of her SSN for us to ensure we are providing information on the correct personThank you

Mr*** opened an account with Merrick in April and has used the account for the purchase of goods and servicesAccording to the account history, Mr*** reported the card “lost” on August 3, and disputed several charges from a single merchantMerrick issued a new card, and the
balance from the old card was transferred to the new account numberMerrick issued provisional credits to the new account for the disputed chargesThese credits appeared on the statement for the new account dated August 18, In response to Merrick’s submitting chargebacks to the merchant for the disputed charges, the merchant issued refunds for all six of the chargesTherefore, the provisional credits issued by Merrick in August were reversedThe duplicate credits and reversals appear on the new account statement dated September 17, The balance on Mr***’s account is now correct

MsP*** applied for a secured Visa credit card account on May 28, 2015. At the time of the application MsP*** sent a $deposit for the account. On June 16, a refund check was sent to the address on the application. The check has not been cashed and Merrick
will reissue the check. In reviewing the application it appears that the full address was not included on the application.
MsP*** should receive the refund check in the next 7-days. I have attached a copy of the application received so that you can see the discrepancy with the address. If MsP*** has not received the refund check by August 8th she can contact us at *** and ask for the accounting department to check on the refund status

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me
Sincerely,
*** ***

Complaint: ***
I am rejecting this response because:
I am not requesting credit for a payment but for fees to get out of garage and missed doctor appointments totaling or I will include legal fee for summons and writ in ct court
Sincerely,
*** ***

Mr*** opened an account with Merrick in July and has used the account for the purchase of goods and services. In April when he made his payment the minimum payment due was $***The payment received was for $***This was $short of the minimum payment dueThis is what
caused the late fee of $that was assessed to the account.I have requested that fee to be waived as a courtesy; Mr*** will see this adjustment on the June statement for the accountA fee waive does not reduce the minimum payment due in the month the fees were waived but that waiver does reduce the following month’s minimum payment dueMr*** will need to make the full minimum payment due as shown his May account statement and then the June minimum payment due will be less due to the fee waiver. No late payments have been reported to the credit reporting agencies

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me
Sincerely,
Leshawn O***

If Ms*** can provide a copy of the front and back of the cashed Money Order Merrick will further investigate this issue for herThank you

Mr*** opened an account with Merrick in February but the account has had a zero balance and no activity for a year or more. Merrick’s decision to close the account was based upon the inactivity of the account and no other reason. Mr*** was sent a letter notifying him of
the pending account closure on October 2, 2017. Merrick will not re-open Mr***’ accountThe cardholder agreement between Mr*** and Merrick allows either party to close the account at any time, and allows Merrick to do so for any reason without prior noticeMerrick reported the account as “closed by credit grantor”, which is the correct reporting on the account

I am unable to find an account under this name or address. Please provide the name and address of the borrower and if possible the VIN for the unit that is the subject of this issue. Thank you

*** *** opened an account with Merrick in June and has used the account for the purchase of goods and services. On July 29, *** *** called Merrick and spoke to a representative in Merrick’s dispute department about a purchase of a puppy that came with a wellness
guaranteeOn that day Merrick provided a provisional credit to Mr***’s account, began an investigation of the claim, and began the process for submitting a charge back to the merchant for $Mr*** contacted the dispute department on September and October regarding the status of the disputed transactionThe Merrick representative explained that the investigation was ongoing and that he would be notified of the outcome When a merchant has a no refund policy it is difficult for the Bank to successfully charge back such a purchase. Once the investigation has been completed, Mr*** will receive notice of the final outcome of the investigation. If the merchant accepts the charge back a permanent credit will be issued to the account. If the merchant refuses the charge back the amount in question will be re-billed to Mr***’s account

Ms*** opened an account with Merrick in March 2013. Merrick does not solicit or originate accounts for individuals who reside outside of the U.Sor have an APO/FPO addressWith the exceptions described below, it is Merrick’s policy to close accounts with APO/FPO addresses or
addresses not in the United StatesThe Bank does this because its Visa and MasterCard licenses do not extend beyond the U.Sand the Bank’s experience has been that its ability to make contact with borrowers having foreign addresses can often be quite difficult Notwithstanding Merrick’s general policy, it will not close accounts that have certain addresses in the U.Sterritories and certain military addresses over which the U.SPostal Service controls mail deliveryThese exceptions represent a recent change in the Bank’s policyTherefore, Ms***’s account has been reinstated and she will receive a letter from Merrick indicating as such

Merrick will apologize if the representative was less than professional in the interaction with MsS***. However, the issue remains that it was MsS*** bank who rejected the requested payment and MsS*** is the only one who can remedy this issue