Merrick Bank Sucks ! ! !
This page is dedicated to airing consumer complaints and exposing the corruption surrounding Merrick Bank of South Jordan, Utah. This company is a consumer nightmare. They are professional rip-off artists. Avoid doing business with them at all costs.
This page is under constant construction. If you have any questions or any horror stories concerning your personal dealings with Merrick Bank, please email your stories to:
WEBMASTER@MERRICKBANKSUCKS.COM
If you receive a mail solicitation to sign up for a Merrick Bank credit card or any other service, RUN, do not walk, to the nearest shredder. Then quickly incinerate the remains !
Merrick Bank, in my opinion, is a criminal organization that takes advantage of people who cannot fight back. My personal experience has been one of fraud and defamation. Not since Ali Baba have so many thieves been in one place!
Merrick Bank is a predatory lender. Customer service is non-existent with these
bandits. They listen with one ear, but it goes out the other. In the
end, they do nothing for you. They simply humor you till you go away. They are one of the new breed of insidious cancerous companies that are
passive-aggressive. They will continue to bill you until you pay, even if
you can demonstrate that they are wrong ! Until more information is available on this page,
to read the many horror stories go to one of
the following pages (enter Merrick Bank into their search box, if necessary) : http://www.cardoffers.com/reviews/cardholders/posted/card.asp?idmin=86&offset=14 http://www.thecomplaintstation.com/m/merrickbank_toc.htm This company has been convicted of criminal wrongdoing by the
New York State Attorney General. Merrick Bank IS NOT a registered
corporation in New York State. They do not even have a registered business
alias in New York State. They are NOT registered with the state banking
department. They are not considered a "real" bank.
Apparently, since they are a "credit card issuer", they are given a
special status..... they can say they are a bank, yet never have to
be a "real" bank and, they never have to register with authorities --
THE BIGGEST LOOPHOLE I HAVE SEEN IN YEARS ! A perfect place
for this form of organized crime ! ! ! ! Where is the Justice Department ? ?
? Merrick bank charges ridiculously high interest
rates. Their fees are exorbitant.
Right now they are being sued for their misleading campaign for Consumer Complaint Agencies This is a growing list of agencies that you can
complain to about the illegal and immoral practices of Merrick Bank: FDIC Compliance and Consumer
Affairs,550 17th Street NW, Washington, DC 20429 (800) 934-3342 Utah Dept of Financial
Institutions, 324 South State Street, Ste 201,SLC, UT 84111 (801) 538-8830 The
Internet Fraud Complaint Center (IFCC) WWW.IFCCFBI.GOV Your individual state Department of Banking
(see your phone book) Your Secretary of State (see
your phone book) Your State Attorney General
(see this list http://www.naag.org/ag/full_ag_table.php
) This is the
Registered Agent for Merrick Bank:
Howard B. Gee, Registered
Agent; Merrick Bank Corp., 10713 S. Jordan Gateway, Suite 150, S. Jordan, Utah
84095 Merrick Bank Owner /
Operators (a/k/a Thieves) Merrick Bank's corporate office is located in
South Jordan, Utah. Merrick Bank's parent, CardWorks L.P., and
affiliate, Cardholder Management Services, LLC (CMS) are both based in New York
State (Long Island region). The original business start date was
September 1997. CardWorks, L.P. is a Delaware registered
corporation and is a "FOREIGN LIMITED PARTNERSHIP". The New York
State Department of State forwards their mail to: CARDWORKS, L.P. Cardholder Management Services, LLC (CMS), is
apparently the transaction processing arm of Merrick Bank. It is a Delaware registered
corporation and is a "FOREIGN LIMITED LIABILITY COMPANY". It's
address is listed as: CARDHOLDER MANAGEMENT SERVICES LLC Cardholder Management Services, LLC has
apparently been growing by buying out marginal or failing credit card programs
such as: - Providian Then, after the purchase, they stretch and break
every credit collection law out there in order to make the accounts profitable. Also be alerted to the name Applied Card Systems
Inc. This company appears to be another affiliate of this criminal
enclave. Merrick Bank Corporation management personnel
include: Kevin L.
Anderson President Mr.
Don Berman CEO / 10% Owner Phone
Number: (801) 545-6600 Merrick Bank Corporation is listed as being at: CardWorks, L.P. CardWorks, L.P. likes to hide behind a
"Media Agent": The
Abernathy MacGregor Group, Inc.
Phone: (212) 371-5999 WANTED: I am seeking all street addresses for Merrick Bank,
especially in the Long Island,
New York region. Merrick Bank has a nasty habit of only publishing a P.O. Box
address. A legitimate business does not try to hide! I
cannot serve them with a law suit unless I can locate a street address. HELP ME AND ANYONE WHO READS THIS TO
FIGHT BACK !
Please email any information you might have to the Webmaster address above. STRATEGIES FOR FIGHTING BACK Although we cannot offer legal advice, here
are strategies for fighting back against these larcenous vermin: Where possible, file suit in small claims
court. If you do not have a street address for
Merrick in your state, contact the Secretary of State in the state you
reside in. Ask them who Merrick's registered agent is in your state and
serve Merrick through their registered agent. All businesses who do
business in your state, should have a registered agent. Also, be sure to file suit in your state and not in
Merrick's states Utah or New York (unless you live there. This will put the burden on Merrick
to hire an attorney in your area to represent them. If many states,
Attorney's can not represent a company in Small Claims Court, so that would
also mean that a representative of Merrick itself would have to travel to
where ever you are located for the hearing. One other tactic to
consider is naming the CEO and President of Merrick bank personally.
If they are personally named, you have the legal right to serve
interrogatories, production of documents, etc. on them and not the company
as a whole. You also have the right to depose them for deposition in your
home state. When a company is facing having their CEO and president
travel out of state for depositions, they are fairly quick to settle. Make sure to
Serve Mr. Gee as the
Registered Agent via Federal Express or Express Mail at the Merrick bank
Corporate Offices along with a copy of all relevant documents. Be sure to file a complaint with every
consumer agency possible. Make sure to take advantage of all local
media outlets. Many local TV new stations will take on your complaint
and run with it to expose these thieves to all in your community. If your account
is in dispute, Merrick Bank may not report it to the credit reporting
agencies. That is a direct violation of the Fair Credit Reporting
Act. The penalty for violating this rule is $1,000.00
plus triple any damages you can prove that were the result of false
reporting. It is also a direct violation of 15 USC 1692 of the Fair
Debt Collection Practices Act. In
addition, many states have a state credit reporting act which you could also
sue on. Your state statutes may provide for additional civil penalties
and damages. If your account was transferred to
Merrick Bank from another institution (Providian, Spiegel, Nextbank, etc.)
and is under dispute and has been reported to the credit collection
agencies, write to Merrick bank via certified mail. Advise them that
you are aware that they have reported this account incorrectly and in
accordance with 15 USC 1692 you are requesting a copy of the original credit
application. Usually, the original creditor will not provide copies of
applications to the new creditor. It is simply too much paper work.
That means the debt can not be substantiated and Merrick Bank is prohibited
from collecting or reporting the debt. Please make sure to e-mail us with other winning strategies !
! ! KNOWN ADDRESSES FOR MERRICK
BANK: E-Mail Addresses: The MAIN office: CARDHOLDER MANAGEMENT SERVICES LLC Corporate: Merrick Bank Merrick Bank c/o Howard
Gee Merrick Bank Correspondence Address (
a/k/a Waste of Time ): Ms. Laura Luce Cardholder Customer Service: Merrick Bank Cardholder Payments: Merrick Bank Legal Department: Merrick Bank Other Locations: CMS Merrick Bank Merrick Bank Merrick Bank
Merrick Bank CS 18025 FBCS Merrick Bank has locations in
various other states. If you know of any addresses, or of any
information, please forward them to WEBMASTER@MERRICKBANKSUCKS.COM
If they take over your account from another institution, their pattern is to
raise your interest rate by an obscene amount and then to suddenly announce that
you have an annual membership fee that you may not have had before!!!!!
Talk about a breach of contract !!!!!
their Pre-Paid MasterCard. As a result Merrick had to shut down
their Pre-paid accounts as well as their Revelation America debit card account.
C/O THE PRENTICE-HALL CORPORATION
SYSTEM, INC.
80 STATE STREET
ALBANY, NEW YORK 12207
101 CROSSWAYS PARK WEST
WOODBURY, NEW YORK 11797
- Nextbank
- Singer
- FCNB - First
Consumers National Bank (this is a collection agency)
Mr. Howard Gee
Corporate Counsel, Registered Agent
Ms. Cami Mitchell Operations
Ms. Laura
Luce Correspondence
Administrator
Fax Number: (801) 545-9952
55 East Ames Ct
Plainview, NY 11803
I HAVE DISCOVERED THAT THEY HAVE RELOCATED TO THE
WOODBURY ADDRESS ABOVE.
501 Madison Avenue
New York, NY
Ann M. Hance Managing Director
Erin Moore Account Executive
Kenneth Juarez Vice President
Fax: (212) 752-0723
101 CROSSWAYS PARK WEST
WOODBURY, NEW YORK 11797
10705 South Jordan Gateway #200
South Jordan, UT 84095
10713 South Jordan Gateway #15
South Jordan, UT 84095
P.O. Box 5000
Draper, Utah 84020-5000
Phone: 801-545-6600
Fax: 801-545-6400
Merrick Bank
P.O. Box 5000
Draper, Utah 84020-5000
Customer Service
P.O. Box 9201
Old Bethpage, NY 11804-9001 Phone: 877-790-5648
Payment Processing Center
P.O. Box 5721
Hicksville, NY 11802-5721
Legal Department
P.O. Box 5000
Draper, UT 84020-5000
1000 Woodbury Road
Woodbury, NY 11797
3100 S. Gessner Rd., Ste. 400
Houston, TX
P.O. BOX 171439
SALT LAKE CITY UTAH 84117-0439
PO Box 23356
Pittsburgh, PA
PO Box 247001
Omaha, NE
Hauppauge, NY 11788-8825
1-866-594-8646
841 E. Hunting Park Ave
Philadelphia, PA 19124-4824