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 1442 Draper, UT 84020-1442

  
• 

  Merrick Bank

  PO Box 9201 Old Bethpage, NY 11804

• 

  Merrick Bank Corporation

  PO Box 30537 Tampa, FL 33630

• 

  Merrick Bank

  PO Box 1500 Draper, UT 84020-1500

  

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:06/05/2025

  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.

  Merrick Bank credit card is reporting a late payment from 2018. This late payment should have already been deleted and removed from my Experian TransUnion and Equifax report. Please update to delete and removed. Thank you

  

  Business Response

  Date: 06/12/2025

  BBB Complaint ID # *****************************
  Our records that the customer's account was accurately reported as past due for consecutive
  periods of non-payment on a valid purchase balance. As previously indicated in our response
  to the customer's prior correspondence, the reporting will not be removed. 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 ******* S. *******.

• Initial Complaint

  Date:06/04/2025

  Type:Sales and Advertising 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.

  Constantly calling. Every day a different telephone number with the prefix 866. When I Google i see its scam from Merrick Bank. I have no business with this bank and never have and I have no debt. They need to stop calling. Tired of getting the constant calls. Thank you

  

  Business Response

  Date: 06/10/2025

  BBB Complaint ID # 23419883
  We sincerely apologize for any inconvenience the phone calls may have caused. Our records
  have been updated to ensure that the complainant will no longer receive any further
  communication related to this account.
  A letter with additional details was sent directly to ***** ********

• Initial Complaint

  Date:06/03/2025

  Type:Service or Repair 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 spent over 90 minutes on the phone today just to file a dispute for a charge and the representative informed me she did it wrong so she was going to withdraw it and I would be responsible for calling in again to do it again. When I told her I wanted this escalated she hung up. I had to spend another hour speaking to multiple other useless individuals who informed me they would not file the dispute again for AT LEAST TWO billing cycles. This is fraud and I WILL continue to escalate this until IT'S RESOLVED.

  

  Business Response

  Date: 06/18/2025

  BBB Complaint ID # BBB ********
  Our record indicate that the customer contacted our Customer Service Department to dispute
  a transaction for damaged merchandise. Following the opening of the claim for the full
  amount of the transaction, the customer clarified that only a partial amount was disputed. Our
  representative inaccurately disconnected the call prior to adjusting the dispute. We have no
  record of a representative subsequently advising that the claim could not be opened for two
  billing cycles. The full transaction amount is currently in dispute and cannot be adjusted until
  the merchant represents the transaction. Our investigation remains ongoing.
  A letter with additional details was sent directly to ***** ** *******

• Initial Complaint

  Date:06/01/2025

  Type:Service or Repair 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'm not liable for this debt with Merrick Bank Corp. I do not have a contract with the collection agency tying to collect this debt reporting to my credit report. They did no provide me with original contract as requested.

  

  Business Response

  Date: 06/12/2025

  BBB Complaint ID # BBB 23404361
  Our records indicate that the customer’s account was opened with an electronic application,
  used for purchases, and charged off for non-payment with an outstanding balance. After
  charge-off, the account was placed with third party collection agencies in accordance with the
  customer's cardholder agreement. We have no record of a prior direct dispute and we have
  confirmed that the account was legitimately opened in the customer's name. 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 ****** **********

• Initial Complaint

  Date:06/01/2025

  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 not liable for this debit , merrick bank I do not have a contract with the collection agency, they did not provide me with the original contract

  

  Business Response

  Date: 06/09/2025

  BBB Complaint ID # 23403487
  We have reviewed the complainant’s correspondence; however, we are unable to locate an
  account based on the information provided. In order to assist the complainant, we require
  additional identifying information. Once this information is received, we will be able to assist.
  A letter with additional details was sent directly to ****** ********.

• Initial Complaint

  Date:05/31/2025

  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 bring to your attention a fraudulent account opened in my name with Merrick Bank. I am a victim of identity theft and did not authorize this account. Below are the details of the fraudulent account:
  
  Creditor Name: Merrick Bank
  
  Opened Date: 12/10/2017
  
  Account Number: ****************
  
  High Credit: $843.00
  
  I respectfully request that you close this account immediately and remove any negative information related to it from my credit report. Please provide confirmation of the account closure and any relevant documentation concerning this fraudulent activity.
  
  
  
  Thank you for your prompt attention to this matter.

  

  Business Response

  Date: 06/10/2025

  BBB Complaint ID # 23400515
  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.
  We received Automated Consumer Dispute Verification forms (ACDVs) filed through the
  credit bureaus disputing the reporting of the account and claiming identity theft. In each
  instance, the account was reviewed, and responses were provided directly to the consumer
  reporting agencies confirming that the account is reporting accurately. The fraud claims were
  denied based on the results of our investigation and the account information that matches the
  customer’s personal details.
  Upon receipt of the complaint, the identity theft claim was again investigated, but remains
  denied.
  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.
  A letter was sent to the customer with further information and validation documents.

• Initial Complaint

  Date:05/28/2025

  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.

  merrick credit card is offering scale money be used for credit yet buying food card company is told over phone they dint have the money cover credit charge so ship out trash or defective bootleg item yet account scam customer funds real owed bill i gotten into with rep over phone chargung me adding unusual debt then rep left state begin denying me use of credit card thru recent dispute other businesses

  

  Business Response

  Date: 06/09/2025

  BBB Complaint ID # BBB ********
  Our records indicate that on multiple occasions, the customer placed a temporary block on
  their card via our website and mobile application. Recently, a transaction was declined due to
  this block. The customer removed the block and successfully processed the transaction later
  that day. To ensure that the transaction was authorized, alerts were sent to their phone and
  email address. We subsequently received their confirmation that the charge was valid, and it
  posted to the account. The customer then replaced the temporary block, and it remains as of
  the date of this response.
  We have no record of any recent calls regarding this issue, nor of the call referenced in the
  complaint. In an effort to address their concerns, we attempted to call the customer. They
  returned the call the same day but disconnected while our representative was researching
  the account. As such, we made an additional attempt that day but were unable to speak with
  the customer. If the customer has additional concerns regarding the temporary block and/or if
  they believe that any transactions are fraudulent or disputed, we request that they please
  contact us for assistance.
  A letter was sent to the customer with further information

  Customer Answer

  Date: 06/09/2025

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because: as customer employees mived to michigan telling n iver charging my account asking ither banks delay deposits then merrick tell places u shop they dint have the fund on spot guve trash food bbb has compoaint if delivery made tear ago n online con scam merrick locks the card to get phone call asking wat do u need miney for behind nirmal request delay toy games year ago u see home page change i got into it and they take reoayment if credit but stores was tood not to deliver service staying they had no funds  so as u see i use it less pay ontume in full but usung having resource became cin he iffering help to life in cyber wirld mived have olace rest date escirts get mad wen u use there services so gurl say we need u u might gotten reply from real dmoloyee but tied to account us ppp begging using unlockn lockn telling ppl bal very untrustful to ppl earned right use it it wint be resolved but telling bbb huge gang businesses into this bs of no services 
  
  
  
  Sincerely,
  
  
  
  ****** ******

• Initial Complaint

  Date:05/28/2025

  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 an account with Merrick Bank Credit card, I've noticed that I'm paying cash advance fees for cash that I haven't withdrawn,11/28/24 I withdrew 60$, cash advance fees was 10$ ok, 12/18/24 I was charged 15.19 in interest charged on cash advance on 1/17/25 I was again charged 15.50 for interest charged on cash advance,no cash has been withdrawn ok, 2/14/25 charged 14.74 interest charged on cash advance,3/18/25 16.37 interest charged on cash advance, no cash withdrawn,4/17/25 33.74 interest charged on cash advance, still no cash withdrawn, 5/18/25 15.83 interest charged on cash advance, still no cash withdrawn, and between all of these transactions I've made all my monthly payments of 70.00 with one late fee of 29$ 1/12/25, I'm even paying outrageous purchase fees that I don't understand, I'm on a fixed income trying to get my credit built-up to possibly buy a home or a car, I've talked to there customer service and can't get any type of resolution or explanation of how these amounts can be acceptable to charge someone, can you please help me to get this situation taken care of... Thank You, ******* ********.

  

  Business Response

  Date: 06/06/2025

  BBB Complaint ID # BBB 23390270
  Our records indicate that the account has been used for two cash advances. As per section 7
  of the cardholder agreement, “We will not charge you any interest on Purchases if you pay
  your entire New Balance by the Payment Due Date each month. We will begin charging
  interest on Cash Advances on the transaction date.” Additionally, per section 3, “Payments in
  excess of the Minimum Payment shown on the most recent Billing Statement will be applied
  first to the highest Annual Percentage Rate (APR) balance. In general, amounts up to the
  Minimum Payment will be applied in the manner most favorable to us, which usually will be to
  lower APR balances (including any zero APR balances) before higher APR balances.” While
  we have received monthly payments, the account has continued to carry a balance of both
  purchases and cash advances, and interest has been assessed accordingly.
  The account also received one late fee due to non-payment; however, we have no record of
  any other fees, as referenced in the complaint.
  The customer recently contacted us regarding the cash advance interest. They were
  accurately of one of the cash advances and that cash advance interest would accrue until the
  balance was paid in full, but the representative failed to advise of the second cash advance.
  We apologize for any inconvenience this may have caused.
  A letter was sent to the customer with further information.

  Customer Answer

  Date: 06/13/2025

  
  
  Complaint: 23390270
  
  
  
  I am rejecting this response because: it wasn't explained how they would keep talking interest out for cash advance and purchases, I'm not happy with this outcome... I wish I had never accepted this card.... I will make sure to let anyone I know not to except this card and there company.
  
  
  
  Sincerely,
  
  
  
  ******* ********

• Initial Complaint

  Date:05/28/2025

  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.

  On May 28th an attempt was made for the fifth time to resolve problems due to merit Bank card false charges on the card card being lost and stolen fraudulent charges on the card yet the merit Bank card is still reporting to the three credit bureaus each month... Merit Bank sent a payment offer which was lost customer requested that they resend it their phone reps refuse to resend the offer give telephone assurances want you to sign up with those assurances if you enter into a repayment plan it's still reports late each month regardless, on the 28th their employee ******* was informed that they shouldn't be trying to represent themselves they should be representing merit Bank or merit Bank card services or customer service...instead ******* showed little interest in the request to have the information we mailed out only in making statements of personal importance... If Merrick Bank can have a viable representative contact me and email out what they last mailed which was lost it could help resolve this problem if they would hire individuals who are not incompetent especially individuals trying to make themselves the center of attention and direct the customer to accept that nonsense as a necessity to successfully receive what merit Bank may offer as options for customers or former customers

  

  Business Response

  Date: 06/06/2025

  BBB Complaint ID # 23389128
  Our records indicate that the customer called to report several fraudulent charges. An
  investigation was initiated, and provisional credits were issued. The claim was accepted, and
  the credits became permanent. We have no record of subsequent fraud claims.
  The customer’s account became past due as a result of payments which were not received,
  were returned, and/or did not meet the minimum payment amount, and the account was
  reported as past due to the consumer reporting agencies.
  Upon review of the customer’s calls, we confirmed that they were provided accurate
  information regarding the terms of our various repayment programs including credit reporting
  details and which programs result in a confirmation letter being issued. The representatives
  also offered the customer the option to accept a program on our website which provides a
  written version of the terms. The customer declined to accept any repayment programs, the
  account remained past due and charged off. We have no record of any unprofessionalism
  during these calls. However, we appreciate the feedback, as it enables us to improve service
  for all of our valued customers.
  A letter was sent to the customer along with a contact number if they wish to discuss
  settlement options. If a settlement is accepted and completed, the account will be updated to
  settled for less than the full balance, was a charge off. We do not delete tradelines in
  exchange for a settlement.

  Customer Answer

  Date: 06/10/2025

  
  
  Complaint: 23389128
  
  
  
  I am rejecting this response because:

  The response of the company has the general ambience of most of their phone Representatives simply stated ' malingering,'  Merrick Banks response is presented as professional and carefully considered, with assertions of special detail and politeness but it is in stark contrast to the nature of what the former customer has experienced with their representatives, their representative might be professional to them but are professional within policies that are ineffective for the legitimate process of business they consider their representative to have been professional perhaps in the same way that one may be in favor of organized crime... Had Merrick Banks policies and procedures been even remotely close to a process of rational and viable business   practices this complaint would not exist and their response has conveniently left out a number of things, too many to address here... They should be sanctioned for their false submissions that they placed on my credit...

  
  
  Sincerely,
  
  
  
  ******* *****

• Initial Complaint

  Date:05/23/2025

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

  

  Business Response

  Date: 06/04/2025

  BBB Complaint ID # ********
  According to our records, the customer’s account was opened with an electronic application.
  The account was used for purchases and payments were applied toward the balance. Due to
  non-payment, the account charged off. We have no record of prior correspondence
  requesting a copy of the application.
  Upon receipt of the customer’s complaint, we conducted an investigation regarding their
  claim of identity theft. Based on the results of our investigation, their claim was denied as the
  account information matches their personal records.
  A letter with additional details was sent directly to *********** *******, along with account
  documents.