Ripoff Report Needs Your Help!
X  |  CLOSE
Report: #60163

Complaint Review: Merrick Bank - Pittsburg Pennsylvania

  • Submitted:
  • Updated:
  • Reported By: Richmond Indiana
  • Author Not Confirmed What's this?
  • Why?
  • Merrick Bank PO Box 13356 Pittsburg, Pennsylvania U.S.A.

Show customers why they should trust your business over your competitors...

Is this
Report about YOU
listed on other sites?
Those sites steal
Ripoff Report's
content.
We can get those
removed for you!
Find out more here.
How to fix
Ripoff Report
If your business is
willing to make a
commitment to
customer satisfaction
Click here now..

We filed Chapter 13 bankruptcy in October 2002. We went to our lawyer and gave him all of our information, went to court to finalize it and then May 2003 we got a report from out trustee that had people who filed a claim since March 2003 and to our surprise Merrick Bank filed a claim against us for $1,714.78 and we have never had or used this card at all.

So please watch your credit report plus make sure you look over your bankruptcy papers carefully if you have to file because they will file a claim with the court and you will have to pay them because they know that it costs too much for you to do anything against them when you are in bankruptcy.

If anyone knows anything I can do to get this bank for the illegally filling a claim with the bankruptcy courts please let me through the rebuttal key.

Rhonda
Richmond, Indiana
U.S.A.

This report was posted on Ripoff Report on 06/10/2003 05:38 AM and is a permanent record located here: https://www.ripoffreport.com/reports/merrick-bank/pittsburg-pennsylvania/merrick-bank-ripped-off-and-scammed-pittsburg-pennsylvania-60163. 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. READ: Foreign websites steal our content

Search for additional reports

If you would like to see more Rip-off Reports on this company/individual, search here:

Report & Rebuttal
Respond to this report!
What's this?
Also a victim?
What's this?
Repair Your Reputation!
What's this?

Updates & Rebuttals

REBUTTALS & REPLIES:
0Author
4Consumer
0Employee/Owner

#4 Author of original report

How can they take over a credit card company without sending anything to the customers

AUTHOR: Rhonda - (U.S.A.)

POSTED: Wednesday, October 08, 2003

No, it wasn't a Nexcard and no we didn't get anything in the mail about them taking over FCNB-Newport News credit card.

We have never had any correspondence with Merrick Bank at any time.

How can they take over a credit card company without sending anything to the customers telling them they were taken over by their company?

Respond to this report!
What's this?

#3 UPDATE EX-employee responds

i am so sorry ..they could say your claim towards them was fraudulent

AUTHOR: LISA - (U.S.A.)

POSTED: Monday, October 06, 2003

let me guess you had an account with Next Card or Nationwide one of the companies that they brought or took over and raised all fee's raised the intrest rate to 35% claiming they sent letters to everyone advising them of the conversion with an opportunity to opt out of account being convert to Merrick Bank when Merrick Bank took over these people's account there interest rate increased to 35% late fee & overlimit fee's increased to $35 , and majority of the card features stopped like credit insurance. I am really not sure what you can do,i do know that if an account charges off it cannot be charged off twice that is illegal , and the reprt goes from date of last transaction merrick Bank converted your account as a balance transfer they have a loop hole because that is considered a transaction. have someone investigate this i have talked with alot of cardholders who said that there was already charged off , and merrick took over acct & started charging more fee's i believe it because i was talking to people who have not paid in over 8 mnths and account was only listing 90 days delinquent. they are a big rip off i would not recommend that credit card to my worst enemy. there has to be something you can do if transactions were with them, and you included previous company on claim. did merrick bank report to credit burea in september or october 2002. if so and they did the conversion as a balance transfer to a new account they could say your claim towards them was fraudulent because accoount was just opened and no payments were made. that company is ran by a very rich & clever man who owns 3 of the same companies under 3 different names (for tax purposes).
call an attny, & attny general. good luck !!!

Respond to this report!
What's this?

#2 Author of original report

Taken care of, do watch your statements closely.

AUTHOR: Rhonda - (U.S.A.)

POSTED: Sunday, October 05, 2003

They put a credit card that we reported in our file under their name not the original credit card company. Because we have never paid a dime to this company the whole time we had the credit card.

They still say we owe $700 more then on our last statement from the company but aren't able to do anything about that.

So whoever has Merrick Bank watch your statements closely.

They do take advantage of you.
Just be careful.

Respond to this report!
What's this?

#1 UPDATE EX-employee responds

if they can prove that you made charges or accepted the terms and agreements of account

AUTHOR: Lisa - (U.S.A.)

POSTED: Thursday, October 02, 2003

rhonda,if you never had this credit card, used this card or signed up for this credit card. they cannot do that i would advise you to contact you attorney general, are they listed on credit report before you filed your claim ? call 1-877-487-5620 ask rep for a copy's of all statements purchase history, payment history, ask for address listed on file. if payments were made on the account ask rep how payments were made if by check or money order the name on check account the address on check. ask the phone number listed on the account when account was activated & from what phone number was the account activated. this could be a case of idenity theft/fraud if so get an affidavit of fraud send it to them & they will clear the balance save copies of affidavit send to trustee, all 3 credit bureas & contact your police station it will be cleared. if they can prove that you made charges or accepted the terms and agreements of account, there is nothing you can do. they can filed a claim even if you filed bankruptcy 13 or 7 if you do not include them on petition.

Respond to this report!
What's this?
Featured Reports

Advertisers above have met our
strict standards for business conduct.

X
What do hackers,
questionable attorneys and
fake court orders have in common?
...Dishonest Reputation Management Investigates Reputation Repair
Free speech rights compromised

WATCH News
Segment Now