Merrick Bank Customer Service Issues

I contacted Merrick Bank Customer Service on Monday, May 16th at 2:00 p.m. to inquire about any special offers available. The agent explained that to get the new credit cards with cash back options, I needed to keep my old Merrick card, which I have had for 10 years, and reapply. I was transferred multiple times and eventually spoke to a supervisor, Emily, who I doubt was her real name. Despite expressing my concerns, Emily couldn't provide the information and left me on hold for an hour before disconnecting the call. I am very disappointed with Merrick's customer service and their unwillingness to let me speak to Corporate. As a result, I have decided to cancel my account and take my business elsewhere.

I received my Merrick Bank credit card but do not remember if I had to choose a PIN number. I applied online, and I have not spoken to any customer service representatives. I believe I would know my PIN if I was required to choose one during the online application process. I have already activated my card, but I cannot locate any information about the PIN in the paperwork received with the card. It has been a couple of weeks, and I have not received any further information about the card. I am unsure if I was issued a PIN or if it is the last four digits of my social security number. Should I request a PIN after receiving the card? I wish this information was provided before the card was issued. Thank you for any assistance provided.

My account ending in [redacted] is currently behind on payments due to my reduced hours at work. As a senior relying on Social Security Disability, I recently received a concerning letter mentioning the permanent closure of my account if not paid in full. Despite multiple unsuccessful attempts to log in, I wanted to address the issue by making payments. However, with the account set to be closed regardless and further delinquency warned against, I am questioning the point of arranging payments only to face potential closure and negative credit reporting. At this stage, my credit is already damaged, and given my circumstances, I feel time constraints may prevent me from settling the account. Considering bankruptcy as a potential solution, I do not wish to receive unidentified phone calls and request them to cease immediately. Thank you.

I am uncertain about what occurred, but I attempted to make a payment twice. Firstly, on May 27th, and following that, I received a notification of rejection with a $29 fee. After contacting customer service and being advised to retry, I made a second attempt on June 2nd, only to be notified of another rejection on June 6th. During both attempts, the funds were available in my bank account, which now seems to have insufficient funds due to these unsuccessful payments. Despite my efforts to resolve the matter with my bank, Chime, I have not received any clear explanations. As a result, I will fall one month behind on my credit card payment, especially since my monthly income is $[redacted].00. Previously, I had never missed a payment, but encountered issues after changing banks. Furthermore, though I was assured by a representative that the $29 fee would be waived, it remains charged. I anticipate catching up in July, but I am distressed by this situation and unsure of how to proceed given my financial constraints until July 1st.

Dear Sir or Madam, I applied for a credit card on May 17, [redacted], and it has been a month without receiving it. Despite contacting customer service twice, the card has not arrived. After speaking with two representatives on June 3rd and June 13th, it was promised that a new card would be sent urgently, but I have yet to receive it. Instead, I received a statement with fees for a card I never got. Penal Code 484g PC addresses credit card misuse, which is not the case here. I refuse to pay for a service I did not receive. The delay has affected my credit score, and I insist on the immediate closure of my account. If it is not resolved within a week, I will escalate the issue to the Consumer Financial Protection Bureau.

I recently realized I missed my June payment after checking my email. This is unusual for me as I have always maintained good credit with your company. I never received a bill in the mail for June or a new card. Unfortunately, I have been diagnosed with Lou Garrett disease, which has affected my ability to speak. When I called tonight, I was informed that my credit card number did not match my social security number. Due to my current condition, I am unable to resolve this over the phone. I apologize for the missed payment and I am seeking assistance to rectify this situation. Thank you. Membership Number: [redacted] Customer Name: N. Fernandez Email: [redacted] Landline: [redacted] (Please leave a message for my son, who now assists with financial matters due to my communication challenges).

On August 1, [redacted], I tried to contact Merrick Bank's customer service. After calling repeatedly for five hours, I finally spoke to a representative. Today, August 2, I received an email asking to complete a survey. When I tried to respond, the email address was marked as "no reply." This further highlights the poor customer service experience. I had struggled to reach someone on August 1 to address a fraudulent charge. Despite speaking with over four representatives with communication issues and technical problems, I eventually got transferred to "Naftali," who provided better help. My email response to the survey that timed out expresses my frustration with the lack of service quality from Merrick Bank. This experience has led me to question the company's competence and I shall reconsider my association with Merrick Bank going forward.

I was charged $[redacted].00 and an additional $[redacted].00 for smoking, which we did not do. I received an email days after check-out mentioning a smell of cigarettes in the hallway behind our room and in the room itself. We only used the room for sleeping and our friends in a different room also detected smoke, despite being far away. From check-in, there were issues and the staff made us feel uncomfortable, insisting on knowing my husband's problem and repeatedly stating we were not starting off on a good foot. Despite requesting a microwave, the staff claimed I had not asked for one until I showed them an email confirmation. Later, our friends discovered a microwave left outside our door, which was never handed to us. This lack of communication and the attempt to charge an additional $[redacted].00 even after check-out led me to lose trust in the establishment. The owner even confronted my friends, accusing them of lying and banning them from returning. I have evidence of the room being in pristine condition at check-out and am seeking a refund.

After unexpectedly losing my job in early September, I have been struggling to keep up with my bills, which has resulted in a dire financial situation. I fear losing my home, car, and even access to essential services like electricity. Despite always being diligent about making my payments on time in the past, I am now unable to meet even the minimum requirements. It’s frustrating to see how a small payment towards a credit card bill ends up being outweighed by exorbitant late fees and interest, pushing me further into debt. This vicious cycle has not only affected my finances but has also taken a toll on my credit score. I want to assure you that I am not avoiding my responsibilities intentionally but am genuinely unable to meet them at this time. I appreciate your understanding as I navigate through this challenging period.

I saw a website with the T-Mobile logo advertising the new iPhone 14. I thought it was legitimate, but now I suspect it might be a scam. The company is called True Gadgets. I made two payments, one for $58.89 and the other for $9.96. I called them to inquire, and they confirmed that I will be receiving the iPhone 14 for the amount paid. When I expressed my disbelief, a young woman with an Indian accent reassured me that it is indeed true.

I called to dispute a charge initially, and after a 27-minute wait, I spoke to the first customer service representative (CSR). I explained the issue, only to find out that the merchant charged my card three more times for $[redacted] each. The CSR transferred me to the fraud department to handle the original and new charges and issue a new card. The fraud department employee was unhelpful, claiming I allowed the merchant to freely charge my card. I had to go back and forth between departments, spending over an hour on hold. Finally, the third person at fraud processed the dispute but required me to fax documentation, which seemed outdated. They mentioned blocking my card, with a cumbersome process to unblock it later. After being on hold for a total of 2 hours, my call disconnected twice, frustrating me. I had to call back multiple times to resolve the issue and prevent further unauthorized charges. After all the back and forth, I will pay off the card and retire it due to this ordeal, which consumed 3 hours of my time.

I recently applied for a credit card with Merrick Bank, and my application got approved. However, they mentioned a card shortage issue which is preventing me from setting up my profile without the account number. Unfortunately, I don't have access to my account number as it's typically on the card or the accompanying paperwork. I am unable to pay for a card I don't physically possess or have access to through the app. I find it concerning that I'm already being charged fees for a card that hasn't even been sent out yet. It's been nearly a month, and I'm worried about my account being closed if this issue persists. When I contact customer service for explanations, they are unable to provide a satisfactory answer. I need clarity on why there's such a delay in receiving my card and how I can enroll without the essential account number. The situation doesn't seem fair to me, as I'm being charged without access to my card or account information.

I received an email from Merrick Bank in June informing me of a change from a Visa to a Mastercard. I run a business in Virginia and left on a trip on July 21, [redacted]. Before leaving, I made a payment on my Visa from Merrick Bank on July 7, even though it wasn't due until July 27, [redacted]. Assuming my payment due date would change with the new card, I encountered difficulties when I fell ill in Virginia and couldn't travel due to my age. I returned to Florida on August 28, [redacted], only to find that a late payment was charged on my Mastercard account. Despite having a clean credit history for the past decade, Merrick Bank informed me they couldn't assist with this situation when I reached out to them.

I urgently need the FRAUD block removed from my account so I can access my funds. I made multiple calls to customer service yesterday to track a payment, which has now been processed. I used up all my personal funds to make this payment, and now I can't use the card due to the hold on my account. Despite signing up for text alerts, I haven't received any notifications. Unlike my other card or bank that verifies with a text, this situation is causing a lot of inconvenience. I've been waiting on hold for the fraud department for over an hour, facing disconnections yesterday. I hope to resolve this issue promptly.

I was misled and taken advantage of by a company claiming to assist with tax issues. I was scared into sending $[redacted]. They've charged my account and now I fear they may do it again. I have a letter from my attorney to send. This company, FINISH LINE TAX RESOLUTIONS, is unethical. They have my card details, and I worry about additional charges. They target vulnerable individuals like myself, which is disgraceful. They are no longer accredited by BBB due to suspicious practices.

I paid off my card in full, and when I tried to use it, my account got restricted. Despite being informed that the payment would be instant, they flagged it as fraud and locked my account. I've been unable to access my account online and have spent a total of six hours on hold across four calls. I requested to speak to a manager, but was denied the opportunity. Despite being given different extensions, there are only two phone numbers available, making it challenging to speak to the right person.

My account got frozen when I paid it off with a new bank account and then tried to make a $[redacted] purchase at Walmart. Upon contacting customer service, they stated I needed to provide proof of authorization for the bank account before they would lift the freeze. The payment went through on 05/05/23, so it's not fraudulent. Despite verifying my identity through security questions, my account remains frozen. I ended up on hold for two and a half hours after being transferred to security to close the account due to the disappointing service received from Merrick Bank. Kindly reach out to address this issue. Sincerely, L. Brackett

I was informed that my payment would be processed by midnight last night and my credit would be available today. Unfortunately, that did not happen as expected. Although the payment went through, my available credit is only $5. Customer service advised me to provide a screenshot of my bank statement to address the issue, but I am unable to upload it as requested since it is not a file upload but a page-to-page transfer, and my phone cannot perform this action. The alternative suggested was to fax the statement, which poses a challenge as I do not own a fax machine. I even inquired about emailing the document, but that option was not feasible. As a result, my credit will not be fully available until the 31st, causing a potential delay in my truck payment and disrupting my efforts to rebuild my credit.

After paying off my Merrick Bank credit card, I will never open an account with them again or recommend them to anyone. Their customer service appears to be located in another country and lacks professionalism. I had two incidents involving a rental car and a pharmacy mail order where false information about me and my doctor was provided. When I tried to escalate the issue by asking for a supervisor on June 5, [redacted], no one responded after being on hold for 30 minutes. Feeling upset, I found my account depleted. I am frustrated and considering borrowing money to close my credit card account due to the horrible experience. Merrick Bank's lack of concern for their customers is concerning, and I believe they prioritize profits over customer well-being. I've advised others to avoid Merrick Bank and opt for a different credit card company. I am disappointed in their service and considering legal action against both the company that falsely charged my card. It's a shame Merrick Bank has lost a loyal customer like me.

I am experiencing issues with a transaction I did not authorize. After calling Merrick, they sent me a new card. Unfortunately, I have been waiting on hold for up to 2 hours trying to reach the fraud department. I am frustrated because I am unable to talk to anyone to resolve the fraudulent transaction and get my refund. Other credit card companies handle similar situations through customer service, which has been more efficient. I have wasted a lot of time trying to get this sorted out and am disappointed with the lack of assistance. I need the fraud department to be more accessible and responsive to customers in need of help. I hope this issue can be addressed promptly to improve the handling of such situations in the future.