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 has 10 locations, listed below.

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• 

  Merrick Bank

  PO Box 5000 Draper, UT 84020-5000

  
• 

  Merrick Bank

  PO Box 1500 Draper, UT 84020-1500

  
• 

  Merrick Bank

  Dallas, TX 75266

• 

  Merrick Bank

  PO Box 1442 Draper, UT 84020-1442

  
• 

  PAYS by Merrick Bank

  PO Box 43297 Jacksonville, FL 32203

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:06/03/2025

  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.

  
  
  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,
  
  
  
  ****** ******

  

  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