Merrick Bank Customer Service Issues

In April [redacted], I received a letter indicating my credit limit would increase to $1,[redacted] in June. Unfortunately, the increase was declined due to being $7 short on my payment in April. Even though I promptly paid $50 and then the additional $7 after the call, the $7 shortage was deemed a late payment. I was unaware of the specific minimum payment due at the time, so I did not intentionally make a late payment. Given that I consistently pay more than the minimum amount, I kindly request a reconsideration of the credit limit increase as outlined in your previous correspondence. Thank you.

I require a fax number to submit a police report regarding identity theft that occurred between [redacted] and now. Kindly email the correct fax number to me at beverly [redacted] Thank you! A.S.A.P. Beverly A Statti [redacted] Clearview St Beaver Falls, PA [redacted] Acct #[redacted]0 [redacted] as per John Oliver on 6-28-[redacted]. This account is not mine, and I have been disputing it with the company for four months. My credit report shows it was opened in [redacted]. I have repeatedly asked Merrick Bank for all documentation related to this account, but have not received a response. This alleged charge-off is negatively impacting my credit score and must be removed as it is over 7 years old. I am prepared to take legal action if needed. I will be submitting a copy of the police report and any relevant documents to the credit reporting agencies.

Subject: Request for Financial Assistance with Credit Card Account August 14, [redacted] To Whom It May Concern, I am writing to address the issues with my delinquent credit card account and to discuss potential solutions with you. I am currently facing financial challenges that have led me to fall behind on my payments. I am interested in finding a resolution and would like to propose a few options: 1. I request that my account be recalculated starting in September to set my payment back to the minimum amount, avoiding any late fees or additional charges. 2. If there is a hardship plan available, I would appreciate being considered for this program. 3. Alternatively, if no other arrangements can be made, I am willing to close my account immediately and make monthly payments to clear the outstanding balance gradually. I hope to avoid the final option, preferring to settle my dues in full. I kindly ask to receive all future correspondence via email or mail as I am not comfortable discussing these matters over the phone. Thank you for your attention to this matter. I look forward to your prompt response. Sincerely, A.T. Sloane

I recently purchased an Electric Skateboard Cruiser Longboard from Walmart, order number [redacted][redacted], but I have decided to return it. The item must be returned to 14 Troy Hills Rd Unit 1, Whippany, NJ [redacted]. Please ensure the product is in new condition with all accessories included in the box. Once you have shipped the item, kindly provide me with the tracking number. Unfortunately, if there are any defects with the product, only a partial refund can be issued. Please note that returned products should be unused and undamaged in order to receive a full refund. Return shipping costs will not be reimbursed. If you could inform me of the reason for your return, I would appreciate it. I am also open to sending you a gift or refunding $10 if you decide to keep the item. Thank you, Hedy.

Google Calendar Order Received. Arrives 08/09. Big Clearance! Electric Skateboard Cruiser Longboard with Remote Controller for Adults Youth. Order Number: [redacted]-[redacted]. Shipping Info: Vincent Thomas, [redacted] East 138th St, 6A, Bronx, NY [redacted]. Tracking info will be emailed when order ships. Order Subtotal: $[redacted].12. Walmart Shipping: FREE. Procyberstore Shipping: FREE. Order Total: $[redacted].12. Billing Info: Vincent Thomas, [redacted] East 138th St, 6A, Bronx, NY [redacted]. Payment Method: VISA - [redacted]. Credit cards aren't charged until order ships.

I would like to address the payment I made on August 3rd and the late fee that was charged to my account. Despite mailing the payment early on August 1st as I was away on vacation, it was posted on August 3rd and didn't reflect in my bank until August 6th. The payment wasn't due until August 28th, making it on time. I have contacted customer service multiple times, but the issue has not been resolved yet. I trust that the September payment, also mailed on time, will be processed correctly. I have always had a positive opinion of the bank, but this experience is making me reconsider. I hope this message helps in rectifying the situation promptly.

To whom it may concern, I recently received a letter dated October 2, [redacted], regarding my account with your bank mentioning its closure due to inactivity for a year. I feel the handling of this matter was unfair as I did not receive any prior email notification. Despite being paperless with my email on file, I was not informed about the use requirement for the card. I would appreciate your prompt attention in resolving this issue so I can continue being a valued customer. Thank you, A.T.

Subject: Urgent Message for Finance Manager Dear Sir/Madam, I am writing to inform you that I am currently unemployed and have no assets. As a result, I am unable to pay my credit card bill. I kindly request that you refrain from sending me any statements or contacting me via email or phone regarding this matter. Thank you for your understanding. Sincerely, Krishna Acharya

On 12-6-18, I made an online payment to Merrick from my Capital One [redacted] account and have a receipt to prove it. However, Merrick attempted to use my GreenDot Bank account instead, resulting in the payment being denied for insufficient funds. Despite providing a receipt from Merrick, they continued to accuse me of selecting the wrong bank. The lack of accountability is troubling. On 12-11-18, another payment from my Capital One [redacted] account to Merrick disappeared entirely. I am baffled by these errors. I expect Merrick to rectify this before my upcoming payment is due on 12-18-18. I request an email from Rick Lake or a senior representative to address Merrick's payment processing issues and the disrespectful behavior of their staff.

On December 6th, I made an online payment to Merrick from my CapOne bank account. I have a receipt as proof. Despite this, Merrick attempted to use my GreenDot Bank account, resulting in a denied payment due to insufficient funds. Even after providing evidence, Merrick continued to accuse me of selecting the wrong bank. On December 11th, another payment was made from my CapOne account to Merrick, with a receipt received. However, this payment has disappeared entirely. I am seeking clarification on these issues and request that Merrick ensure my upcoming payment due on December 18th is processed correctly from the appropriate bank. I am requesting an email from Rick Lake or a senior representative at Merrick to address these payment errors and the disrespectful behavior exhibited by bank staff.

I sent a $[redacted].00 check to Merrick Bank on December 4, [redacted], to pay off my credit card. Even though my regular payment is due today, the December 4th payment hasn't appeared in my account, not even as a pending payment. Customer service calls were unhelpful as they couldn't confirm if my check was received. I'm concerned if the payment was received.

I contacted customer service to address the discrepancy between the credit score you provided and the scores from the three reporting agencies. The issue was elevated to a manager who initially seemed interested but failed to follow up within the promised timeframe. It has been 3 days past the 48-hour mark. I was understandably frustrated by the broken promise. To exacerbate matters, my calls are now being blocked. It appears that the company may be avoiding confrontation with customers presenting valid concerns about their inaccurate credit reporting. Accurate credit reporting is crucial, especially if it impacts creditworthiness determinations. If reporting cannot be done correctly, it should not be done at all.

I recently received my card and attempted to activate it, but it stated no activation was needed. I am unsure how to obtain my pin since the card doesn't require activation. Additionally, I need guidance on transferring funds from this account to someone else's bank for a service they rendered. I am currently locked out of my online account and urgently require assistance to rectify these issues promptly. I am a new customer and unable to reach a live representative over the phone, which is frustrating. I seek speedy resolution and answers to my inquiries. Thank you.

Date: March 14, [redacted] Merrick Bank Collection Manager Re: Total Card Account Starting with [redacted] Hello, I am writing in response to a credit report entry dated 9/5/[redacted] concerning the debt mentioned above. I am reaching out to discuss settling this debt in an effort to save time and streamline the process. I would like to clarify that this communication is not an admission of the debt, as I have not received validation of it. It does not imply a commitment to pay unless further details are provided as outlined below. I understand your authority in reporting this debt to credit bureaus and modifying the listing as needed. I am open to negotiating a reasonable settlement amount on the condition that all records regarding this debt are promptly removed from credit reporting agencies within seven days of the agreed payment. For your confirmation, I am willing to make a certified payment to Merrick Bank or its designated collector once the terms are finalized. Should you agree to these terms, please furnish a letter on your official letterhead endorsing the agreement. This communication would constitute a binding contract in compliance with state laws. I also require confidentiality on this matter except with the original creditor. If I do not receive a timely response, I reserve the right to retract this offer and request full verification of the debt per the Fair Debt Collection Practices Act. Kindly send your acceptance to the given address above. Sincerely, Charles Carmichael

Issue: Excessive Phone Wait Times I am trying to resolve our clients' accounts by contacting [redacted]. Over the past three days, I have been unsuccessful in reaching a customer care associate due to extremely long wait times. Each time I call, I end up on hold for 3 hours only to have the line disconnected by your company. This cycle repeats, wasting time and being counterproductive. This situation is unprofessional and has been a recurring problem for many years. Multiple representatives in my company face the same issue daily. Waiting on hold for hours, only to have the call disconnected, is unacceptable. Calls should be answered promptly to avoid such disconnections. Your company must find a better solution or increase the number of representatives available to handle calls efficiently. Thank you.

Subject: Request for Hardship Payment Plan Card Services PO Box [redacted] Columbus GA 31[redacted] I, Kate Warner, a 75-year-old senior citizen, have faced challenges due to the recent wildfires in Sonoma County. I have relocated and am requesting to close my account with a hardship payment plan. During the upheaval, I was unable to receive my mail but ensuring housing was my priority. I kindly ask for consideration to avoid additional charges like excessive late fees and interest as I transition through this difficult time. Your assistance in facilitating this request would be greatly appreciated. Sincerely, Kate Warner [redacted] Eagle Rock Road Apr [redacted] Los Angeles, CA [redacted] Cc: Brian Smith Director, Business Development and Client Relations Merrick Bank P.O. Box [redacted] Draper, UT 84[redacted]

Hello, my name is Eduardo J. Ramirez. Recently, I checked my credit account and noticed a $39.95 purchase on June 2, [redacted], from KYG*TOOLSREPS.COM, which I did not make. I am currently in Santiago, Chile, visiting family and plan to return to the USA in August [redacted]. Due to phone connectivity issues, I kindly request an investigation into this matter. Thank you in advance. Eduardo J. Ramirez H.

Subject: Credit Limit Increase Concern Hello, I am writing to express my frustration regarding the lack of a credit limit increase despite being a loyal customer with a longstanding record of on-time payments. Historically, my credit limit would regularly be increased, but I have not seen any changes for quite some time. Unfortunately, I have experienced significant financial challenges recently due to the passing of two family members, resulting in increased expenses. Despite these difficulties, I have continued to make my payments promptly. Back in April, I requested a credit limit increase for support during this challenging time, to no avail. If this matter is not addressed promptly, I will have no choice but to escalate it to the Better Business Bureau and leave negative reviews, potentially leading to the closure of my account. I kindly request that you review my account personally rather than relying solely on algorithms. I believe my loyalty and payment history speak volumes about my creditworthiness. Thank you for your attention to this matter. Sincerely, Toby Gotesman Schneier

I attempted to pay my bill using Western Union, providing the necessary details as instructed, but unfortunately, the payment did not go through. Now, I need to retrieve the money, obtain a money order, and send it to resolve the issue. Despite having a Direct Express Card from the Treasury Department, I cannot use it as they do not accept this form of payment. This has caused frustration and resulted in a late fee due to delayed payment. Since Direct Express does not offer a routing number or bank account number, I am unable to use their system for payment. I am working to promptly settle the bill and request the late fee be waived, given the circumstances. I have a copy of the Western Union receipt for reference. Unfortunately, there is no available email address to address this issue directly. Thank you.

I am in the Freedom Debt Relief program. Contact De Ann Peoples at dpeoples@freedomdebtrelief to reach Merrick Bank to settle my account ending in [redacted], last four digits [redacted]. Karol Michele Bentley at [redacted] Rosearbor Ct. Germantown, MD [redacted], phone number [redacted]. The amount I owe should show as zero on TransUnion and Equifax as the account has been satisfied, closed, and paid in full. I have already reached out twice to your company and others to request this correction. Please ensure that the contract with Merrick Bank is honored as it has been signed and agreed upon. Thank you in advance!