- Report: #793531
Complaint Review: Merrick Bank
Related Reports
Featured Ripoff Reports
Ripoff Reports
Ripoff Report on CBS 19
Ripoff Report on CBS 19 - Global Marketing Alliance
Ripoff Report on ABC 15 - Smart Shopper
Ripoff Report - Girls Gone Wild
Ripoff Report on Fox 11 - Car Repair
Special Features
-
Doctored Reviews is designed to help patients, doctors, and websites understand the problems created by Medical Justice, a company trying to restrict online patient reviews, and to offer some ways that let patients freely talk about their healthcare experiences. -
The government should serve voters, not corporate special interests. Public Citizen works to empower ordinary citizens, reduce the influence of big corporations on government, open the government to public scrutiny, and hold public officials accountable for their misdeeds. -
WHAT YOU NEED TO KNOW ABOUT THE BBB: NOT a government agency as listed in your local phone book. Instead the BBB is a private non-profit / franchise operation. 20/20 exposes the BBB, Hamas Terror Group Gets 'A' Rating - BBB is running a "pay for play" scheme.
| Merrick Bank
Internet United States of America |
|
Merrick Bank Sends fake email to customers to get more money from them Internet
*Consumer Comment: You said..
*Consumer Comment: Wait a minute
Does your business have a bad reputation?
Fix it the right way.
Corporate Advocacy Program™
I got an email from Merrick Bank yesterday. It indicated that I was past due on my credit account with them. Iam current and have never been late with them. However am over limit by $2.00. I logged into their website to check if maybe I forgot to pay them. I had not. I then called the customer service number on the website. The rep I spoke with stated that I was in fact NOT past due, but was over limit (this I already knew). I asked him why I got the email. He stated that it was "erroneous". I had him close the account right then and there, citing I would not do business with a company that cant even send out accurate information to a customer. If they are going to send out "erroneous" emails to customers, who knows what these people will do. When I had him close the account. he did not even try to talk me into keeping the account open, nor did he offer any kind of resolution for the time I had to waste in dealing with their mess up. I am writing this more as a warning to other unsuspecting customers who may just pay if they get an email like that.
This report was posted on Ripoff Report on 10/30/2011 02:09 AM and is a permanent record located here: http://www.ripoffreport.com/r/Merrick-Bank/internet/Merrick-Bank-Sends-fake-email-to-customers-to-get-more-money-from-them-Internet-793531. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.
Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report.
Click Here to read other Ripoff Reports on Merrick Bank
Search for additional reports
If you would like to see more Rip-off Reports on this company/individual, search here:
Search Tips
" When I had him close the account. he did not even try to talk me into keeping the account open, "
Did you expect to be begged to keep your account open? My guess is you owe a lot and dont have a great payment record if it came down to $2.00
FYI You still owe whatever your balance is, you just cant add to it by charging anymore.
Did you expect to be begged to keep your account open? My guess is you owe a lot and dont have a great payment record if it came down to $2.00
FYI You still owe whatever your balance is, you just cant add to it by charging anymore.
Respond to this report!
What's this?
Just so I have this right. You were over your credit limit by $2. They sent you an e-mail that said you were past due but because you were not past due, only over your limit, you think this is some huge scam. The reason you think it is a scam is because that may cause an unsuspecting customer to actually make an extra payment they don't have to.
I guess you have never heard of the word "interest". You see that is what banks charge you for the privilege of borrowing money on a credit card. The more you borrow the more interest they can charge you. So the only one you are hurting by paying more than you "have to" is the bank. Because that lowers your balance and they get less interest.
In thinking about the e-mail, it is not like you didn't have anything wrong with your account. Both past due and over the limit are not good things. In fact it is actually good to get any amount over the limit paid down ASAP, and some credit card companies consider any amount over your credit limit as due immediately, so it could have been technically past due according to the terms.
When I had him close the account. he did not even try to talk me into keeping the account open
- Yea you were over the limit. I doubt you even know how much of a negative that is considered.
Now just know it is not actually "closed" until you have zero balance, they just won't let you charge any additional purchases. Until you have a zero balance you will receive monthly statements and need to pay at least the minimum required. Until it is a zero balance you will continue to be charged interest on the unpaid balance, and subject to any fees or collection efforts if you don't.
I guess you have never heard of the word "interest". You see that is what banks charge you for the privilege of borrowing money on a credit card. The more you borrow the more interest they can charge you. So the only one you are hurting by paying more than you "have to" is the bank. Because that lowers your balance and they get less interest.
In thinking about the e-mail, it is not like you didn't have anything wrong with your account. Both past due and over the limit are not good things. In fact it is actually good to get any amount over the limit paid down ASAP, and some credit card companies consider any amount over your credit limit as due immediately, so it could have been technically past due according to the terms.
When I had him close the account. he did not even try to talk me into keeping the account open
- Yea you were over the limit. I doubt you even know how much of a negative that is considered.
Now just know it is not actually "closed" until you have zero balance, they just won't let you charge any additional purchases. Until you have a zero balance you will receive monthly statements and need to pay at least the minimum required. Until it is a zero balance you will continue to be charged interest on the unpaid balance, and subject to any fees or collection efforts if you don't.
Respond to this report!
What's this? 
