Due to a variety of circumstances I had to file a Chap. 13 bankruptcy. After paying back the full amount decided by the court but before it cleared my credit history I received an offer from Merrick. It didn't have any annual fees, unlike most offers I was receiving, so I jumped right on it. Yes the interest rates were high, but that was to be expected given my credit history and score at the time. I didn't really have any issues until their fraud department called me one afternoon to tell me there was suspicious activity. They rattled off a number of charges, to the tune of over $300, that were posted to my account in the last 3 days (all of which were in states not near me). Cell phone payments to a company I don't use, restaurant bills for places about 900 miles away from me, video phone call services to prison inmates...just all sorts of random stuff. At this point everything went south. They told me I'd receive paperwork in the mail in 7-10 days to fill out to dispute the charges. That time period went by and I received nothing. I called their customer service who transfered me to the fraud department. They'd never sent the paperwork. No apologies, no excuses...just a "yeah, we never sent that out. Maybe tomorrow." In the meantime my account is maxed out, there are $300 of charges on the account I didn't make and they're in no hurry to do anything. Again I wait. On day 12 the paperwork arrives and only half of the fraudlent claims are listed. Again I'm on the phone with the fraud department asking where the other $120 worth of fraudulent charges are and that they're not shown on their affidavit that I have to submit. They blamed me saying I never claimed they were fraudulent (although they called me and I agreed to all charges they told me about) and told me to just pencil them in and mail the paperwork back. I completed the paperwork and took it to the Post Office the same day I received it. Since then 2 months have passed with no word on anything. Customer service, if you can call it that, claims it can take up to 90 days (90 days!) to process claims b/c the MERCHANT has the final say. If the merchant claims it is a real charge, I'm stuck paying it. Bottom line, as the card holder, user and account holder...they don't care about my rights, my credit or me as their customer at all. MERCHANTS have the final say. In this time period of waiting on Merrick Bank to do something, ANYTHING to remedy the situation I had 2 fraudulent charges made to another account that I have. Those charges were disputed, investigated and removed from my account within 48 hours...but somehow it takes Merrick 90 days? Worst customer service I've ever dealth with. Worst fraud/security department I've ever dealt with. If this situation is ever remedied I will be paying off my account and closing it. I'd rather take the credit score hit of closing the account than dealing with a company that doesn't have my best interest in mind. I don't need their credit card to rebuild, there are plenty of other ways.