A credit card company that I had for several years, Plains Commerce Bank, was recently acquired by Merrick Bank. I had never had a problem with any payments, credits, and or, customer service with this company. Now Merrick Bank comes along with my first payment to them due December. I received a phone call from them on the 9th of December stating that I am past due and would I like to make a payment over the phone to bring my account up to date, of course I accessed my bank online and saw that the check I had sent to them was paid two days prior, on the 7th.
The CS rep stated that they had no record of a payment, so I made a copy of the front and back of check, faxed and mailed a hard copy to the "resolution" department to prove that my payment had been made. Fine, on the 18th of December I get my statement from them, and, to my surprise (right) still no payment on my account, a late charge, and my January payment is now doubled. So I call, and I am told they still see no payment being made, so I explain to them that I sent them the info that they requested to prove that they took my money. After several days and phone calls to this company, they finally credit my account so I send my usual payment for January, minimum plus extra as I always did before, and I get another phone call saying that my payment is late, I explain AGAIN what has transpired and I was told that since I didn't make the minimum payment which included Decembers payment, that I was in default. I asked to speak to a supervisor and she was just as unhelpful and ignorant as the other CS reps that I spoke to. I proved to them that they were wrong and yet I am to blame, how is this possible.
I have bill payer through my bank, which I have never ever had a problem with any of my payees receiving a payment, ever! So after many frustrating phone calls and getting nowhere with these people I agreed to pay the double amount for February 2 bill, but they were to take the late charges off because they were wrong. A check was sent from bill payer on the 24th of January to be received by Merrick Bank by the 28th, they claim again they received no check, unbelievable! I live one state away, I get a phone call on February 3rd asking for me to make a payment online to bring my account current since I am behind, here we go again.
I called my bank, and bill payer, and they are now pursuing this situation. I have only been with this company, and not by MY choice, for only three months and I am not a happy camper at all. With other reports I have read I am so sorry that this bank has come into my life only to ruin what I have worked so hard to have, a good credit rating. I do plan to report this company to anyone I can, even the Media.
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