Complaint / Review
Direct Merchants Bank a.k.a. DMCCB
Direct Merchants Bank AKA DMCCB ALL DIRECT MERCHANT BANK RIP-OFF TO CUSTOMERS ELIGIBLE FOR RECOMPENSATION consumer fraud ripoff

I have read several entries about Direct Merchant Credit Card Bank and they all sound the same, including my own.
You pay a fee and get a Mastercard that is pre-loaded with overpriced services you can't/won't use. If you cancel, it is ignored, and the fee's keep on going as well as the derogetory entries on your credit report.
You have recourse though:

You can file a small claim against them. Yes it will cost you a bit of money, but you can get a fairly large award, plus your credit cleaned up. Since they are routinely guilty, it won't be hard to get a favorable judgement.

Below are examples of what Direct Merchants Bank are guilty of, and how to fight.

FCRA (Fair Credit Reporting Act) Section 623 Failure to report a disputed debt. $1000.00 Award available to Plaintiff (s)

FDCPA Section 807 (8) Direct Merchant Bank and assigns not reporting a disputed debt as disputed to the credit bureaus.

FCRA Section 605 (c) Running of Reporting Period. They re-age your account by changing the date of last activity in order to keep negetive info on your credit file. $1000.00 Award available to Plaintiff (s)

FDCPA (Fair Debt Collection Protection Act Section 809 (b) FTC Opinion letter Cass from LaFevre Pursuing a debt not validated.

FDCPA Section 805 (a) (1) (a) (3) (b) Calling at your home or work when asked not to do so, or at inappropriate hours before 8:00am or after 9:00pm $1000 Award available to Plaintiff (s)

FDCPA Section 806-807 Harrassment or threats of wage garnishment, property seizure or arrest. $1000.00 Award available to Plaintiff (s)

You can go to their web site at www.directmerchantsbank.com and contact them. If you tell them about taking them to court they are more apt to listen. They don't want to lose thousands to get three or four hundred dollars.
I am exploring a class action suit, as well as trying to get the Interstate Commerce Commission and Attorney Generals Office and the U.S. Post Master to investigate their deceptive practices and fraudulent activity. It is Federal Wire Fraud because they use the mail to rip people off.

Good Luck, and Hope you win big!