Complaints

This profile includes complaints for Merrick Bank's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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• 

  Merrick Bank

  PO Box 5000 Draper, UT 84020-5000

  
• 

  Merrick Bank

  PO Box 1500 Draper, UT 84020-1500

  
• 

  Merrick Bank Service Center

  PO Box 23356 Pittsburgh, PA 15222

• 

  Merrick Bank Corporation

  PO Box 30537 Tampa, FL 33630

• 

  Merrick Bank

  PO Box 1442 Draper, UT 84020-1442

  

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:10/07/2024

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this debt with charter communications, I do not have a contract with MERRICK BANK CORP , they did not provide me with the original contract as i requested

  

  Business Response

  Date: 10/21/2024

  BBB Complaint ID # ********
  Our records indicate that the account was opened with an electronic application and used for
  purchases. Due to non-payment, the account charged-off, with an outstanding balance.
  Please note that we have no record of prior correspondence requesting a copy of the
  application.
  Subsequent to charge-off, the customer accepted a settlement arrangement to pay a portion
  of the balance. We received the customers payments, and the account was updated to,
  Settled for Less than the Full Balance, was a Charge Off. Please note that we do not delete
  tradelines in exchange for payment and/or settlement on an account.
  Please be advised that Merrick Bank is not affiliated with **********************. As such,
  we are unable to provide any information regarding an account with Charter
  Communications, and we recommend that the customer contact them directly for assistance.
  We received the customers Automated Consumer Dispute Verification forms (ACDVs) filed
  through the credit bureaus claiming identity theft and disputing the reporting of the account.
  In each instance, the account was reviewed. Based on the results of our investigation, the
  identity theft claims were denied as the account information matches their personal details.
  As such, responses were provided directly to the consumer reporting agencies confirming
  that the account is reporting accurately.
  Upon receipt of the customers complaint, an investigation was conducted regarding their
  claim of identity theft. Based on our investigation, the claim was denied as the account
  information matches their personal records.
  The Fair Credit Reporting Act (FCRA) requires that, as a furnisher of information to
  consumer reporting agencies, we report accurate information regarding a consumers
  account history. We have reviewed the account and determined that the information reported
  was complete and accurate as of the date(s) we furnished it. As such, in the absence of
  additional facts, we will not change the reporting of the account to the consumer reporting
  agencies.
  A letter with additional details was sent directly to ******** *******, along with account
  documents.

• Initial Complaint

  Date:10/07/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am writing to file a formal complaint regarding the presence of an unauthorized and fraudulent account on my credit report. Recently, upon reviewing my credit file, I identified an account that was fraudulently opened in my name without my authorization.Details of the account in question are as follows:Creditor: MERRICK BANK CORP Opened Date: 3/22/2022 Account Number: ************I am a victim of identity theft and have taken immediate action by filing a complaint with *****************. This account does not belong to me, and its inclusion on my credit report is inaccurate and damaging to my credit standing. Under the Fair Credit Reporting Act (****), I am entitled to dispute erroneous information, and I am requesting that this account be urgently investigated and removed from my credit report.

  

  Business Response

  Date: 10/17/2024

  BBB Complaint ID # ********
  Our records indicate that the customers account was opened with an electronic application
  and used for purchases. Subsequently, the account was closed per their request, with an
  outstanding balance. Due to non-payment, fees and finance charges were assessed, thus
  increasing the balance.
  Upon receipt of the customers complaint, we conducted an investigation regarding their
  claim of identity theft. Based on our investigation, their claim was denied, as the account
  information matches their personal records.
  The Fair Credit Reporting Act (FCRA) requires that, as a furnisher of information to
  consumer reporting agencies, we report accurate information regarding a consumers
  account history. We have reviewed the account and determined that the information reported
  was complete and accurate as of the date(s) we furnished it. As such, in the absence of
  additional facts, we will not change the reporting of the account to the consumer reporting
  agencies.
  A letter with additional details was sent directly to Chafon *. *******, along with account
  documents.

• Initial Complaint

  Date:10/06/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am writing to formally file a complaint against Merrick Bank regarding an account that they are incorrectly reporting on my credit profile. I have repeatedly informed Merrick Bank that this account does not belong to me and have requested its removal from my credit report.Despite my attempts to resolve this matter directly with Merrick Bank, they have failed to take appropriate action and continue to report the account as mine, negatively affecting my credit profile. I have provided all necessary documentation to support my claim, but my requests have not been addressed.This issue is causing undue stress and financial harm, and I am seeking your assistance in resolving this matter. I kindly request that you investigate this issue and intervene to ensure that Merrick Bank removes this incorrect account from my credit report immediately.

  

  Business Response

  Date: 10/21/2024

  BBB Complaint ID # ********
  Our records indicate that the account was opened with an electronic application and used for
  purchases. Due to a high risk of returned payments, the account was closed. Subsequently,
  the account was reported as past due for non-payment. In response to ***** submitted by
  the complainant claiming ID theft, we verified the reporting of the account as well as the
  information on file. A denial letter has been issued to the customer advising that current claim
  of ID theft has been denied based on our investigation. In the absence of additional facts, we
  will not change the reporting of the account to the consumer reporting agencies.
  A letter with additional details was sent to directly to Cartay *******.

  Customer Answer

  Date: 10/22/2024

   
  Complaint: 22388527
  
  I am rejecting this response because:
  
  Sincerely,
  
  Cartay *******

• Initial Complaint

  Date:10/06/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  9/20/24 I received a "Notice of Data Security Incident" FBCS I dont know who FBCS is and I do not have an account with **********************

  

  Business Response

  Date: 10/16/2024

  BBB Complaint ID # *****************************
  Please note that we are currently in litigation regarding the data breach referenced in the
  notice that the complainant received from Financial Business and Consumer Solutions
  (FBCS). As such, we are unable to provide a detailed response at this time due to this
  pending matter. Once the issue is resolved, a response can be provided to the complainants
  concerns.
  A letter was sent to ***** ********* to advise of the about outlined information.

• Initial Complaint

  Date:10/05/2024

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this debt with MERRICK BANK, I do not have a contract withMERRICK BANK CORP , they did not provide me with the original contract as i requested.

  

  Business Response

  Date: 10/17/2024

  BBB Complaint ID # ********
  Our records indicate that the customers account was opened with ********************** with an
  electronic application. Subsequently, the account was used for purchases. Due to nonpayment, the account charged off with an outstanding balance. Please note that we have no
  record of prior correspondence requesting a copy of the application, as referenced in the
  customers complaint.
  We received the customers Automated Consumer Dispute Verification forms (ACDVs) filed
  through the ************************* (****) claiming identity theft and disputing the
  reporting of the account. In each instance, the account was reviewed. Based on the results of
  our investigation, the identity theft claims were denied as the account information matches
  the customers personal details. Responses were provided directly to the **** confirming
  that the account is reporting accurately.
  Upon receipt of the customers complaint, we conducted an investigation regarding their
  claim of identity theft. Based on our investigation, the claim was denied as the account
  information matches the customer's personal records.
  The Fair Credit Reporting Act (FCRA) requires that, as a furnisher of information to consumer
  reporting agencies, we report accurate information regarding a consumers account history.
  We have reviewed the account and determined that the information reported was complete
  and accurate as of the date(s) we furnished it. While we report accurate information, the way
  in which this information is displayed is at the discretion of each consumer reporting agency.
  Upon review, we determined that not all credit bureaus were accurately displaying the
  customers account. As such, we submitted an ************************ form (AUD) to
  request that they update their reporting to match our records.
  A letter with additional details was sent directly to ******** T. ******, along with account
  documents.

• Initial Complaint

  Date:09/30/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I destroyed this card a year ago and notified the company to cancel. I keep getting bills for 17, 25 every month. Ask again to cease and dissest. Just got another bill for *****

  

  Business Response

  Date: 10/11/2024

  BBB Complaint ID # *****************************
  We reviewed the account and found no record of a prior request for account closure.
  Additionally, the account has been used for transactions each month and regular payments
  have been received. Upon receipt of the complaint, the account was closed as requested;
  however, applicable fees and interest will continue to accrue until the balance is paid in full.
  We have also updated the account to reflect the customers request to receive no further
  communication. Please note that billing statements will continue to generate as required by
  law. As a result of this update, we were unable to contact the customer by phone to review
  the account activity.
  A response was sent to the customer with further information and copies of billing
  statements. If they believe that any transactions are unauthorized, we request that they
  please contact us so that we may investigate.

• Initial Complaint

  Date:09/28/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  We bought an rv with a loan thru merrick bank, then we had them come get the rv. We paid the pay off of the $8,000 dollars . Now there reporting that the account is still open and not closed. We're thinking getting legal action against them

  

  Business Response

  Date: 10/11/2024

  Merrick Bank is in receipt of your complaint. We appreciate your patience while we conduct our investigation. Upon conclusion,we will respond to you directly, verbally or in writing, to address your concerns.

• Initial Complaint

  Date:09/25/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I had charges on my card that was not done by me. On the specific day of the charges, I was having knee replacement surgery. ********** took off hits from Merrick Bank four times. I would like a correction to my credit report.

  

  Business Response

  Date: 10/07/2024

  Our records indicate that we denied the customer's dispute of an unauthorized transaction
  due to a merchant rebuttal confirming their participation. Subsequent investigations were also
  denied due to a lack of supporting documentation. Due to non-payment, the account was
  reported as past due and closed.
  In an effort to address the customer's concerns, we have waived the disputed balance and
  associated fees. A request was submitted to the consumer reporting agencies to remove the
  aforementioned delinquencies from their personal credit file.
  A letter with additional details was sent directly to Berta Brown.

• Initial Complaint

  Date:09/25/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I HAVE 12 credit cards and have never had a single late payment. I set up an automatic payment after making my first couple payments but the payment was never attempted. The app is buggy. There is no way to message support. I was never made aware that my auto payment glitched. This company sends no notices for when payments are due and have now ruined my credit with a late payment report to the credit bureaus. As soon as I knew I was late I paid off the entire balance. Im asking for this late payment report to be removed as a result of app glitch. Review my credit and you will see that Ive NEVER paid any bills late.

  

  Business Response

  Date: 10/07/2024

  BBB Complaint ID # 22338171
  While we regret the customer’s dissatisfaction, we do not support open email communication
  or online chat services with our customers.
  According to our records, the customer successfully enrolled for online account access and
  in paperless statements. As such, paper statements were not issued; however, email
  notifications were sent advising that their statement was available to view online. Please note
  that we have no record of their account enrolled into a recurring payment schedule, as
  indicated in their complaint. Should the customer wish to enroll their account into this feature,
  they may do so either on the website or by calling our Customer Service Department.
  As no payments were received by the customer’s due dates, their account became past due
  and was reported as such to the consumer reporting agencies. Please be advised that emails
  and statements were issued advising them of the account status prior to the account reported
  as past due. We received their one-time payment, via the mobile application, which brought
  the account current. The customer also enrolled their account to receive an alert when their
  credit card payment is due.
  The Fair Credit Reporting Act (“FCRA”) requires that, as a furnisher of information to
  consumer reporting agencies, we report accurate information regarding a consumer’s
  account history. We have reviewed the account and determined that the information reported
  was complete and accurate as of the date(s) we furnished it. As such, in the absence of
  additional facts, we will not change the reporting of the account to the consumer reporting
  agencies.
  While we report accurate information, the way in which this information is displayed is at the
  discretion of each consumer reporting agency. We recommend that the customer contact
  them directly for further information regarding the way this account appears on their credit
  report.
  A letter with additional details was sent directly to Gary A. Chapman along with account
  documents.

• Initial Complaint

  Date:09/24/2024

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I was fraudulently charged a total of $208.82 from ******************* and Cornhuskers 12 Premier PHO. I never ordered anything from them plus I never heard of them. I want to be refunded for the $208.82 for this balance.