Merrick Bank Corporation

Merrick’s records show that Ms*** opened her credit card account with Merrick in April Ms*** used the account to purchase goods and services until it became delinquent in June and was charged off for nonpayment in January 2017. Ms*** submitted her application to
Merrick via the InternetIn accordance with the Electronic Signatures in Global and National Commerce (E-SIGN) Act, an electronically submitted signature, contract or other record relating to such transaction is valid and enforceable and may not be denied legal validity solely because an electronic signature or electronic record was used in its formation The Fair Credit Reporting Act requires that, as a furnisher of information to consumer reporting agencies, we report complete and accurate information regarding a consumer’s account historyWe have reviewed Ms***’s account and determined that the information reported to the consumer reporting agencies is complete and accurate as of the date(s) we furnished itWithout additional facts, we are therefore unable to change the reporting As validation of the debt, I have enclosed copies of statements reviewed, and the application submitted

We appreciate Ms***’s proactive notification that her payment may be late due to fraud on her checking accountAs a courtesy we have waived the late fee assessed to the account as a result of the late payment in February in the amount of $38.00. Ms*** should see this
adjustment on her next statement

Complaint: ***I am rejecting this response because: The actual complaint was not addressedFirst of all thank you, Merrick Bank for your responseNow, my concern is not that Merrick closed the accountAs Merrick Bank stated in there response, they attempted to draw a $payment, when there was only a balance on the accountThat is when I contacted my bank and reported that the amount removed from my account was not owedHad I been notified that Merrick Bank was going to close the account, I would not have made any further charges on the accountMy complaint is that after closing the account, Merrick Bank refused payment several times, until my account was over days past dueBefore this, I had not a single late payment on my credit report, in years! I was forced to open another checking account, just to pay Merrick Bank! Under the F.C.R.Athis debt is no longer valid after payment refusal from the creditorI have since payed the debt regardless, and am determined to defend my good nameHad Merrick Bank not refused my payments, I would not have this blemish on my credit, that will ultimately cost me in interest chargesThe Revdex.com was my first attempt at clearing the record, now I am contemplating a defilation, and damages claimAll I really request, is that my good name is restored on my credit report by removing the negative marks.,Sincerely,*** ***

Ms*** opened an account with Merrick in February and has used the account for the purchase of goods and services. On August 15, Ms*** called Merrick and spoke to a representative in the dispute department about a transaction that she had made on March 29, with a
company who she thought would assist her with her student loans. Merrick received a letter regarding that transaction on October 20, indicating that the merchant had mis-represented themselves. Ms*** explained that she had contacted the merchant on July 29, and cancelled the service, she also requested a refund from the merchant during that callThe merchant declined to provide a refund according to Ms*** The Fair Credit Billing Act (“FCBA”) requires an account holder to notify the Bank within days of the time a transaction appears on a periodic statement that they are disputing the transaction. Ms*** did not do so, she did not contact Merrick until months after the initial transaction appeared on her billing statement. Also, Ms*** indicated that she made the transaction, but was dissatisfied with the service. This does not constitute a billing error Ms***’s remedy lay with the merchant regarding this issue. There is no further action Merrick can do to assist Ms***

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.Prior was *** ** *** *** *** *** ** *** *** ***
Sincerely,
*** ***

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 I had been mailing in payments but they were getting returned back to meI havent been using that card can some please send me transaction so I can review themAs well as whats dueSomeone keeps using my credit and somehow has gotten access to my cards as I had this same problem with my bankIf you give me a number to call so I can talk to someone I would gladly appreciate it

Mr*** opened an account with Merrick in July and has used the account for the purchase of goods and services On March 6, Mr*** called Merrick and reported his credit card account had unauthorized charges on itMr*** stated that there were unauthorized charges on
the account but that the card was in his possessionOn April 4, the charges that Mr*** indicated were unauthorized were removed from the account and provisional credits for the amount of the alleged unauthorized charges were made to the account. Merrick sent Mr*** a letter indicating those credits were provisional while it investigated his claimOn April 12, Mr*** called and indicated there were additional unauthorized charges appearing on his accountThose transactions were also removed from the account and provisional credits were applied to the account for the additional amounts On April 13, a letter indicating that the credits were now permanent was sent to Mr***Mr*** will not be responsible for any of the unauthorized charges on the accountIf he has any additional questions, he may call our security department at 877-487-

Based on the information in this complaint and other
documentation received on February 29, 2016, this account has been forwarded to
our Security Department for further reviewUnfortunately there is no
additional update at the time of this responsePlease watch for
additional
correspondence via mail from the Security Department

Mr*** opened an account with Merrick in October and has used the account for the purchase of goods and services. Mr***’s account would have qualified for a doubled credit line when he made seven on-time payments on the accountIn January a payment made on the account was
returned unpaidMr*** promptly replaced that payment. Because he did so Merrick has made an exception to its policy and granted the credit line increase for Mr***’s account The account now has a credit line of $1200.00. Mr*** should have access to this additional credit as of April 11,

Mr*** opened an account with Merrick in July and has used the account for the purchase of goods and services. The due date on the account is the 13th of each month. The June payment was not received until the 14th of JuneNevertheless, that late fee was waived as Mr***
notes in his complaint. Merrick did not receive the July payment until the 15th of July which caused another late fee to be assessed to the accountA minimum payment is due each month there is a balance owing on the accountA fee waiver 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 dueAs of the date of this response Merrick has not received the August payment due on the account. Mr*** account has had the maximum number of late fees waived allowed by Merrick’s policyNo further late fees will be waived for months from the last fee waiver

A review of Mr***’s account was conductedMr*** opened an account in February and has used the account for the purchase of goods and servicesMr***’s account was eligible for a “Double Your Line” increase after the first payments are made on timeMr*** did
have late payment in July 2017, which caused him to fail to qualify for the “Double Your Line” offerWe understand the late payment was due to unfortunate circumstancesMr*** closed his account on September 24, and therefore, we are unable to consider his account for a possible exception to qualify for the offer

Complaint: ***
I am rejecting this response because: I was told over the phone negative information would be deletedI am trying to get government housing amd this is pulling my score down and I am legally blindPlease help fix my situation and do a goodwill deletion as was doscussed with meDont be so heartless
Sincerely,
*** ***

Complaint: ***
I am rejecting this response because: Thank you for your replyI understand you simply doing your job! As stated in my previous reply, I will not pay this bill! I contacted Merrick Bank twice requesting to close the account in There should be several notes on the account stating my callsThe deposit should’ve been applied the day I called instead it took four months to be added. I have filed additional complaint with several agencies regarding this issueI ask that your forward my complaint to an Executive member within Merrick BankA letter disputing the status/account balance was mailed to Merrick Bank (10705S Jordan GTWY STE South Jordan, UT 84095) and the collection agencyI'm requesting full account information from both parties, which I'm entitled to under The FCRA
Sincerely,
*** ***

Complaint: ***
I am rejecting this response because:The last submission from Merrick Bank is not a solutionI did not ask for a release of funds for the credit card from their CSRNor did I ask for a release of funds within my Revdex.com complaint.I stated in my initial message, I want the late fee(s) removed, any derogitory mark(s) with credit reporting bureus and any derogatory notification removed from my account with Merrick Bank Services as the resolve to these issues.The information being given as apart of my conversation with the Merrick Customer Service Rep is not relevant or factual as I did not state or request wanting monies released or holds lifted
Sincerely,
*** ***

A review of the account was conductedMr*** has had an annual fee on the account since he opened the account in October 2015. The first year the fee is assessed to the account in one lump sum and each following year the fee is assessed monthly. This information is disclosed on the
pricing appendix that was sent to Mr*** when the account was opened. In addition, the billing statements sent to Mr*** include a notice that the monthly portion of the annual fee will be assessed prior to the assessment of that fee. In accordance with the Cardholder Agreement, Mr*** agreed to pay the Annual Fee(s) for each year the account is open and for each year in which there is an outstanding balance on the account. The Cardholder agreement sets forth the terms as follows: If your account is closed but you fail to pay off the full account balance, you agree to pay the amount of the Annual Fee and applicable fees billed to your account for each month there is an outstanding balance. Merrick will not waive the annual fee. If Mr*** does not wish to pay the fee he can close the account and pay the balance of the account in full

Merrick’s records show that Ms*** opened a credit card account with Merrick in July Ms*** used the account to purchase goods and services until it became delinquent in August and was charged off for nonpayment in March 2016. Prior to the account’s delinquent status,
payments were being made via online payment system from a Bank of America accountMerrick did respond to four credit bureau disputes received via the credit reporting agencies between January and March 2017. Merrick responded to those credit bureau disputes by conducting an investigation and sending the response back to the credit reporting agencies as required by the Fair Credit Reporting ActThe date of first delinquency determines how long an account will be reported by the credit reporting agencies. That date for Ms***’s account is August 28, 2015. Derogatory reports can remain on a file for 7-yearsThe status of the account as reported is correct and accurate according to Merrick’s records and will not be deleted or modified. To do so would be a violation of the Fair Credit Reporting ActAs validation of the debt, I have enclosed copies of statements reviewed, and the application submittedIf Ms*** still does not have any knowledge of this debt and feels as though the account may have been opened without her knowledge or consent then she will need to contact our Fraud and Security Department at 1-800-215-

Complaint: ***
I am rejecting this response because:I was sent a pre approval letter last I remember a pre approval letter is indicating that I was checked out and I was being offered credit from your companyIt didn't say "this is an invitation to apply" it said you have been pre approved for a $credit card with the option of doubling the card after months of timely paymentsThat is mis leading customers and I want your inquiry removed from my credit historyI don't want your credit card and if I can help others not to fall into that trick of yours I would more than happy be willing to do soI wouldn't have allowed your company to run my credit if I knew I didn't have a pre approval and I wasn't sure that I would be getting the credit cardI've never even heard from your bank and I don't want future mail from you guys and I don't want future fake pre approval letters and I want you guys to remove the inquiry from my credit reportI'm trying to change my credit and your fake letter wasn't helping the causeIf I knew I would have been denied with a pre approval letter I definitely wouldn't have applied for the pre approval that was sent to meThat is advertisement and it's deceiving to customersAnd when I called and spoke to the representative he said he understood my frustration and that I was within my right to make a complaintI'm pretty sure this is happening to other people and if this is how you run your business it's a shameAll I'm asking for is to have ur inquiry removed from my credit history I don't think that's too much to ask and it is the most humane thing to doAnd maybe your company should stop mis leading peopleIt's not right and it's a set up for failureAnd I also have proof of getting a pre approval letter in the mailAnd obviously if I receive a pre approval letter I request what is so called being offered to me.
Sincerely,
*** ***

Merrick is unable to locate an account under this name or address. Please provide additional informationWe will need the full account number, last of the SSN and any other names the account may have been held inOnce we receive that information we can research this issueThank you

Complaint: ***
I did not not do that it was the company I am working for who did that and my account should not have been close I was a good paying customersI should have gotten my increase
I am rejecting this response because:
Sincerely,
*** ***

Mr*** opened a Visa credit card account with Merrick in September The terms of the cardholder agreement which govern the account, and which were disclosed in marketing materials and again when Merrick sent Mr*** the card, are that an annual fee is charged while the account
is open or has an unpaid balance. I have included a copy of the cardholder agreement applicable to Mr***’s account for your reviewUnder those terms the first year annual fee is assessed at the time the card is issued, and subsequent annual fees are billed 1/monthlyTherefore, even though Mr*** paid the balance on his account, the annual fee continued to accrue monthly, because the account was still open For the months of June, July and August, there were no payments received on the balance owing on the account. This caused negative credit reporting on Mr***’s account. In September Mr*** brought the account current and it has been current since that time The credit reporting for the account is correct and accurate according to the records for the account. Merrick will not delete or modify the reporting