My car loan was only 22 days past due and they sent two thugs to repo my car. Their repo thugs jumped into my car terrifying my children who were in the car at the time. I called first merit and they were rude and treated me like dirt.
The kicker is have been a customer for 4 years never missing a payment. I only have 12 payments left on my loan and they chose to repo my car. The only way I could get the car back was to pay it off.
I will never do business with first merit again. This is how they treat good paying customers.
I was a Citizens Bank customer for 8 years. When they were bought out by First Merit, they no longer would allow one line of credit to cover both checking accounts. The whole reason I got the LOC was to prevent overdraft fees. Of course I got busy at work, wife went Christmas shopping and we overdrafted. They charged us 10 overdraft fees of $35 per overdraft transaction on a single day. Some of these transactions were only like a dollar, but ended up costing me $36. In all, about $300 ended up costing me $750.
I had plenty of money in my other checking account, in savings and on the LOC. Didn't matter. I called to ask my branch manager to see if there was anything she could do about reducing them, and wouldn't budge a bit. Didn't care, didn't want to understand, wasn't concerned about how upset I was. Proceeded to lecture me on keeping a register, balancing my checkbook, there was nothing she could do. I already knew I screwed up, but I was wanting a little forgiveness and understanding for a long time customer.
I am done with this bank.
Since First Merit took over our branch from Citizens Bank, it's been one problem after another, but the worst by far is their online banking system. There is no running balance so you can see a problem if they say there is one, debits appear then disappear. It takes them a very long time to deduct online bills paid through their system. If you over draft and something seems off, there's really no way to see if that's so, since many transactions are not visible. It's an absolute mess compared to Citizens very transparent and up to date system. We're out of this bank as soon as we can be. I feel like this set up is designed to keep the customers confused and that makes it very easy to make costly mistakes to the benefit of the bank. I miss Citizens.