Report: #36771

Complaint Review: Nextcard Visa and Merrick Bank

  • Submitted: Mon, December 02, 2002
  • Updated: Mon, December 02, 2002
  • Reported By: 32804 Florida
  • Nextcard Visa and Merrick Bank

Nextcard Visa and Merrick Bank Rip-off deceptive company internet

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

I signed up online for a Nextcard Visa over a year ago. I wanted to use Nextcard hoping to rebuild my credit. They "approved" a $300.00 credit limit. However, I had to send in the $300.00 first,and then the credit line would start.

I talked with my credit counselor a few weeks later and he said to cancel the card. So I called Nextcard to cancel my account, they said to send in $50.00 to cancel the account. So I did.... a year ago.

Three months ago I got bill from Merrick Bank saying I owed them $380.95 for the Nextcard Visa account.

The lady I talked with @ Merrick Bank was VERY rude and said I never closed the account w/ Nextcard and that Nextcard went out of business and Merrick Bank took over their accounts. Nextcard Visa NEVER sent me a bill saying I owed money, not even a phone call.

Since I could not find my old check book proving I closed the account, I had to settle the account with Merrick Bank for $190.47 .... so I thought. That was two weeks ago today. I noticed my check by phone to Merrick Bank had not been pulled from my checking account so I called them.

Mr. Henderson at Merrick Bank claimed that there was no record of me calling and making a payoff. And I had no confirmation number to prove it. So, I had to settle with Merrick Bank AGAIN but this time it was for $228.00. I realize that my poor credit is my fault & I'm trying to fix it. However, I was taken advantage of by Nextcard & Merrick Bank.

Please anyone who reads this. Read the FINE PRINT on ANY credit card application! And write down EVERY name & numbers of people you talk with regarding cedit card payments.

Orlando, Florida
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This report was posted on Ripoff Report on 12/02/2002 10:44 AM and is a permanent record located here: 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

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