This is a response to a survey that Merrick bank sent me today. I would like to state that I do not need to rebuild my credit. I have good credit, therefore I will not tolerate bad behavior from them. There are other banks that have excellent customer service that I have been dealing with for years.
I have not made a late payment to ANYONE in over 10 years. I made a payment online with them and it showed on my account online for 2 weeks and then all of a sudden it was gone and I had a late charge. Here is my response::: I called due to a change online regarding my account. I went from 0 balance and Merrick acknowledged I made my payment to 91 dollar balance and Merrick had no record of my payment. This was never deducted from my checking so I had no proof of actually making the payment online. I called to make the 91 dollar payment as I had nothing to prove otherwise. Also, this was my first payment to Merrick and when I went online to make the 91 dollar payment after hanging up with rep, I saw that my bank info was already entered and saved in your system, further solidifying that I did make the payment.
I tried to speak to the representative about this and explain that I felt Merrick’s website may have a glitch causing this error and it may happen to other clients. I was not disputing making the payment as I understand I did not write down my confirmation number and I did not protect myself from this. This rep was unbelievably rude and argumentative. When I mentioned my bank’s website was having errors at that very moment and was shut down ( as an example) he started saying ” I have nothing to do with your bank” . He was totally missing my point because he wasn’t really listening to me, he was too busy trying to talk over me. Then when I pointed out that he was speaking over me, he stated, ” you have been talking nonstop this whole conversation.”
Aren’t I the customer? Wasn’t I calling to tell you about my issue? Isn’t that the whole point of us being on the phone? It was a disgraceful representation of your company and Merrick should be ashamed to have such employees in their corporation. As an office manager myself, I would never allow such belittling and arguments within my organization between my employees and my clients.
I will make paying off this card a top priority so that I can close this account immediately. Just because you are a company that offers credit to clients who may not have a perfect credit score doesn’t give you the option to treat people badly. ( Note: I, however, do not have a low credit score)
I will also make sure I blast this message all over the internet as to make sure others don’t make the mistake of accepting your credit lines.
Have a nice day.