Direct Merchants Bank ripoff abused & mistreated City Of Industry California

Dear Jerry:

I really don't know who you've spoken to when you've requested to have your due date changed to the end of the month, but as a customer service rep, I would advise you request to speak to a supervisor. DMB IS ABLE TO CHANGE YOUR DUE DATE TO ANY DATE YOU CHOOSE, and while it will always vary by 3-5 days, you can still choose what dates are convenient for you. I'm not sure what you're account status is, but if it is past due then more than likely you may be speaking to our collections department, whose sole purpose is to collect, not to accomodate, therefore they do not have the ability to make changes on your account. If you do not have a statement with our customer service department number then you can ask to be connected and we will try to help.

In your response you indicated that I should have been told to register before closing my account. You are correct in that I was not told. Your excusses, human error ect... can be turned around as if a consumer had the same reason for being late with a payment. You expect me to believe you, yet I know that those statements would not hold water with your company.

It would be nice if I was not charged for making a payment on the phone. One way or another DMB will get money in the long run.

I would have my payment taken from my bank account, but the due date changes to much. I am paid on or about the first of every month.

I don't think DMB would be flexable on the date payment is made. It would work if DMB could flex just two or three days each month.

I have ask to change my due date to the last day of the month period and was told NO.

In your response you indicated that I should have been told to register before closing my account. You are correct in that I was not told. Your excusses, human error ect... can be turned around as if a consumer had the same reason for being late with a payment. You expect me to believe you, yet I know that those statements would not hold water with your company.

It would be nice if I was not charged for making a payment on the phone. One way or another DMB will get money in the long run.

I would have my payment taken from my bank account, but the due date changes to much. I am paid on or about the first of every month.

I don't think DMB would be flexable on the date payment is made. It would work if DMB could flex just two or three days each month.

I have ask to change my due date to the last day of the month period and was told NO.

In your response you indicated that I should have been told to register before closing my account. You are correct in that I was not told. Your excusses, human error ect... can be turned around as if a consumer had the same reason for being late with a payment. You expect me to believe you, yet I know that those statements would not hold water with your company.

It would be nice if I was not charged for making a payment on the phone. One way or another DMB will get money in the long run.

I would have my payment taken from my bank account, but the due date changes to much. I am paid on or about the first of every month.

I don't think DMB would be flexable on the date payment is made. It would work if DMB could flex just two or three days each month.

I have ask to change my due date to the last day of the month period and was told NO.

In your response you indicated that I should have been told to register before closing my account. You are correct in that I was not told. Your excusses, human error ect... can be turned around as if a consumer had the same reason for being late with a payment. You expect me to believe you, yet I know that those statements would not hold water with your company.

It would be nice if I was not charged for making a payment on the phone. One way or another DMB will get money in the long run.

I would have my payment taken from my bank account, but the due date changes to much. I am paid on or about the first of every month.

I don't think DMB would be flexable on the date payment is made. It would work if DMB could flex just two or three days each month.

I have ask to change my due date to the last day of the month period and was told NO.

To Paul and Jerry;

Just to clarify the online payment issue, A customer with a closed account can only make online payments if they register PRIOR to closing the account. Jerry shold have been told, as it is our policy to advice of all the benefits and features you lose by closing an account, however, there is so much information that we, as employees need to disclose, that, because we're human, at times we forget to mention one thing or another, it is not intentional in our part, for we don't gain anything by losing you as a customer,so I do appologize for any inconvenience. But even though you can no longer use our website for payments, if you dont want to pay the phone fees, you can always enroll in easy pay which withdraws you minimum payment or any amount that you designate automatically from your checking account on the due date free of charge. Hope that information helps.

Everything you wrote in your response is already known. May I point out that you are incorrect in stating that I can make payments on line. When I tried this, the site said that it could not find my account. This resulted in my calling DMB for reasons. I was told I could not use the website to make payments.

The biggest complaint I have with DMB is the way they credit a payment and when. My due dates were always changing anywhere from 1 to 5 days each month. When my payment due date was on a weekend or holiday, it would not be posted until the next banking day. This is wrong and was one of many reasons for the class action suite.

I have made on time payments for the last 6 months and DMB has not reduced my rate. most other credit card companies will reduce the rate if payments are made on time.

As far as my rate increasing in the first place. I do not understand why DMB is not required to keep a copy of the report that caused the action. This is my word against theirs. i did not see the reasons stated by DMB on my credit report.
I know that my rate was increased because I chose not to accept the rate increase they were
Spokane, WA

I can only respond with information for you to use to take control over your debt, if it helps you. Hopefully this clarifies a little on your account; however, I do not know if it applies to you directly as (of course) I do not know your account.

In general, the default APR on DMB cards is 29.99%. This usually occurs when a cardmember has been late on two or more payments.

DMB reports to the credit bureau at regular intervals; perhaps the last report sent on your account was positive when it was in good standing. This may explain why no adverse report was found when you checked.

Finally, to clarify...you may use online bill paying AT ANY TIME to post a payment on your account. Please use this option if it gives you more control over tracking the payment. The other option is using you checking account over the phone. Both will give you tracking numbers to follow the payment.

Keeping the communication open is the best option if your account is in need of attention.