Complaints

This profile includes complaints for 1st Financial Bank USA's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

close

Find a Location

1st Financial Bank USA has 2 locations, listed below.

*This company may be headquartered in or have additional locations in another country. Please click on the country abbreviation in the search box below to change to a different country location.

BBB accredited

Near

Country

USUnited States

Please enter a valid location.

Filter

• 

  1st Financial Bank USA

  363 W Anchor Dr North Sioux City, SD 57049-5154

  
• 

  1st Financial Bank USA

  PO Box 1000 North Sioux City, SD 57049-1000

  

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:03/25/2025

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have a $0.00 balance on my card. At the beginning of each year I receive a statement for the $25.00 statement fee. I received the statement in February and it stated the $25.00 fee. The due date was for 3/12/2025. I went into my account and paid the balance off which stated it was $25.27. I didnt know where the additional $0.27 had come from, but wanted to ensure I didnt receive an interest charge or additional fee for not paying it so I paid the whole amount. I waited a little to see what my account would reflect. When I looked at it after the payment it stated I had a $0.03 balance. Which made no sense since I had paid it off and hadnt made any purchases. I finally had time to call them today, 3/25/2025. When I looked into my account, it reflected -($0.27) meaning I had over paid. I talked to them today and they stated that $0.27 I have on my account was the interest that was accrued from the date of the February statement until when I paid it on 3/2/2025. I told the representative that the interest should not have reflected on my account or been charged to me until after the due date for the February statement which was 3/12/2025. I asked him since they charged me for the interest prior to when they shouldve could they return the $0.27 to my original form of payment. He stated no and he stated that come the end of the next cycle since it is less than $1.00 it would be removed from my account! They overcharged me on interest prior to the end of my billing cycle, stated I couldnt have it returned to my original form of payment, and that at the end of my cycle they would basically take it for themselves! I dont know if other people who have an account realize they are doing this and over paying, and then 1st Financial Bank USA is collecting all the overpaid interest under $1.00 from people EVERY BILLING CYCLE instead of it being returned to them for overpaying!

  

  Business Response

  Date: 04/09/2025

  
  On April 9, 2025 we responded by Priority Mail to the complaint from ******** ******* (complainant), Case Number ********, that we received from your office on March 25, 2025. 
  
  In order to protect the confidentiality of our customers account and other personal information, we have not provided you a copy of the response we sent to the complainant but indicated in our response that he/she may share the response with you.  
  
  If you have any questions, please contact us at **************. 
  
  Executive Response Center 

• Initial Complaint

  Date:02/06/2025

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This has been happening for the past couple of days where theyre in direct violation of the programs agreement in a wrongful attempt to overcharge me. The programs agreement stipulates that if I pay a certain amount monthly, the debt is forgiven. So, it was automatically set up to pay that certain amount for a certain amount of months. This has been happening without issue for a couple of months now. And now all of a sudden, theyve been trying to call me and charge me an additional $25 claiming without valid reason that I owe $50 when that is simply incorrect.

  

  Business Response

  Date: 02/19/2025

  
  On February 19, 2025 we responded by Priority Mail to the complaint from *********** ****** (complainant), Case Number ********, that we received from your office on February 6, 2025.
  
  In order to protect the confidentiality of our customers account and other personal information, we have not provided you a copy of the response we sent to the complainant but indicated in our response that he/she may share the response with you.
  
  If you have any questions, please contact us at **************.
  
  Executive ***************

• Initial Complaint

  Date:01/30/2025

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  There are two issues. The first issue is that there were unauthorized payments that came out of my bank account as follows: 8/20/2024 $620, 9/4/2024 $200, 9/5/2024 $400, 9/11/2024 $500, 9/17/2024 $500 and 9/27/2024 $900. I have been in talks with the credit card company numerous times over the phone and have been told it will be taken care of. A letter was sent from the local bank which the funds came out of per the instructions from the credit card company on 12/5/2024. The local bank also talked with the credit card company and provided the necessary information that the credit card company required. This issue has yet to be resolved.The second issue is that there are fraudulent charges on my credit card in the amount of $15394.10. I have been in contact with the credit card company since March of last year when a fraudulent charge was made from an overseas company. The credit card company told me to contact the company and to log it as a dispute (not fraud) with the form they were mailing to me. I did so. They did not at that time give me a new credit card or report this as fraudulent. I normally charge around $1000 on my credit card each month and in one month the charges went over my credit limit with no contact from the credit card company nor any freeze on my account. I have been in contact with the credit card company multiple times with no resolution. I have been told several times that they are at fault and will zero out my balance within 10 days. Each time I call them back talk to a different person who also says it was their fault and will be resolved. No current resolution at this time.The credit card company did say that they would not charge me any interest on the fraudulent charges and did provide a new card but have not done anything to zero out the fraudulent charges.I would like the credit card company to issue a refund of the unauthorized charges, zero out the fraudulent charges on my credit card. to fix my credit report.

  

  Business Response

  Date: 02/11/2025

  
  On February 11, 2025 we responded by Priority Mail to the complaint from ****** ***** (complainant), Case Number ********, that we received from your office on January 30, 2025. 
  
  In order to protect the confidentiality of our customers account and other personal information, we have not provided you a copy of the response we sent to the complainant but indicated in our response that he/she may share the response with you.  
  
  If you have any questions, please contact us at **************. 
  
  Executive Response Center 

  Customer Answer

  Date: 02/17/2025

   
  Complaint: 22875579
  
  I accept the bank portion of this complaint.  The funds have been added back into my account at the local bank and that portion of the complaint response is accepted.

  I am rejecting the portion of this complaint in regards to the fraud on my credit card because:

  
  As soon as I was aware of the fraud, I called the **************** number, **************.  I called several times and spoke with multiple supervisors, such as ***** BKT, whom I spoke with twice, and *******) on the phone regarding this issue from that time through January of 2025.  I did tell the supervisors each time the exact transactions that were fraud while on the phone with them.  I was told that the issue would be corrected.  At no time did the supervisors indicate that I needed to speak with the ***************** Department.  The supervisors indicated each time I spoke that they would forward the issue to the security services department on my behalf.  I was told that while the research was being conducted, I should use my new credit card.  Since I have spoken with multiple supervisors at the 1st Financial Bank ************** number, I would like to speak with someone (an individual) specifically to get this issue resolved.  I can be reached at ************ or you can speak with my mother in regard to the issue as she is aware of the issue.  She can be reached at ************.
  

  Sincerely,
  
  ****** *****

  

  Business Response

  Date: 03/04/2025

  On March 4, 2025 we responded by Priority Mail to the complaint from ****** ***** (complainant),Case Number ********, that we received from your office on February 18, 2025.
  
  In order to protect the confidentiality of our customers account and other personal information, we have not provided you a copy of the response we sent to the complainant but indicated in our response that he/she may share the response with you.
  
  If you have any questions, please contact us at **************.
  
  Executive ***************

  Customer Answer

  Date: 03/19/2025

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ******** and find that this resolution is satisfactory to me.  I have been given names of people to contact (two names) and was given a self-addressed stamped envelope to return statements regarding the fraud in the envelope.

  I have highlighted in yellow the fraudulent charges and have provided a detailed listing of the fraudulent charges as well.  I have returned both the listing of the highlighted statements and the list of the fraudulent charges and have returned them in the envelope provided.

  Please remove the highlighted and detailed fraudulent charges from my credit card account.

  
  Sincerely,
  
  ****** *****

• Initial Complaint

  Date:11/20/2024

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This company tried to pull the entire balance of my credit card out of my bank account when I authorized them to pull out $500 on November 7th. Luckily, my bank denied this attempt. I called 1st Financial to report the issue and made them aware that this was not what I had authorized. After I made this call they proceeded to attempt to withdraw the entire balance 2 more times even after being told this was not authorized! I have now been charged $90 by my bank due to their error and also $60 by 1st Financial only because the first time I called the representative refunded the charge and told me the balance should be back on the card the next day so that I could make the correct payment! I have checked every day since then and the balance hasn't been put back on the card so that I could make the correct payment. I also tried to call a second time and due to the fraudulent phone call issues they were having I was told I needed to leave my number and they would call me back. This was over 5 days ago and I never received a call! At this point I am now out $150 and have gotten absolutely no help from this company! I just don't understand how a company doesn't even attempt to make contact with someone when this happens!

  

  Business Response

  Date: 12/02/2024

  On December 2, 2024 we responded by Priority Mail to the complaint from **** ***** (complainant), Case Number ********, that we received from your office on November 20, 2024. 
  
  In order to protect the confidentiality of our customers account and other personal information, we have not provided you a copy of the response we sent to the complainant but indicated in our response that he/she may share the response with you.  
  
  If you have any questions, please contact us at **************. 
  
  Executive Response Center 

• Initial Complaint

  Date:09/03/2024

  Type:Service or Repair Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On march 27th,2023 a representative contacted me and guaranteed that 1st financial bank USA would remove collection from credit report if I agreed to pay in a settlement. I paid the amount requested, and they have not fulfilled their end of the bargain.

  

  Business Response

  Date: 09/06/2024

  On September 6, 2024 we responded by Priority Mail to the complaint from ******************* (complainant), Case Number ********, that we received from your office on September 3, 2024. 
  
  In order to protect the confidentiality of our customers account and other personal information, we have not provided you a copy of the response we sent to the complainant but indicated in our response that he/she may share the response with you.  
  
  If you have any questions, please contact us at **************. 
  
  Executive Response Center 
  

• Initial Complaint

  Date:03/08/2024

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Greetings, My name is ***************************, and I have had an active account with ************************ bank since 2008. As a long time consumer, I feel discriminated and lied too.As I came home today, and checked my mail I opened a letter from 1st bank stating that my account will no longer be opened. I called 1st bank, and asked the reason behind the made decision. I was informed that because the account was late three times, I was no longer eligible. Any time the account was late, I called, and 1st bank was accommodating, and late fees were made.I then spoke to a manager, and I again expressed that I had an active account since 2008, and to please reconsider me, The manager by the name of *** informed me that my account was late 7 times. Suddenly, my account went from being late three times to seven times.I asked to please provide me the dates, and he couldnt I am asking for a review of my account.

  

  Business Response

  Date: 03/18/2024

  On March 18, 2024 we responded by Priority Mail to the complaint from *************************** (complainant), Case Number ********, that we received from your office on March 8, 2024.
  
  In order to protect the confidentiality of our customers account and other personal information, we have not provided you a copy of the response we sent to the complainant but indicated in our response that he/she may share the response with you.
  
  If you have any questions, please contact us at **************.
  
  Executive ***************

  Customer Answer

  Date: 03/19/2024

   
  Complaint: 21402701
  
  I am rejecting this response because:

  As of today I havent been in receipt of the response . On March 12 2024 , I received a call from 1st bank representative named ***** , whom was pleasant during our call .

  I expressed my concerns, and I was assured that my case would be further reviewed , and that the reason my account was not deemed for being ineligible was because I made a late payment in February, which flagged the account . Had I not been late that month my account would have never been flagged . 
  

  I was also advised that I was not late 7 times within the year 2023 , but late 7 times within the last two years . 
  

  I am asking again if my account can be made back eligible, as I have been told a few different things. 

  
  Sincerely,
  
  ***************************

  Customer Answer

  Date: 03/22/2024

  Hi ****,

   

  I am emailing in reference to the above complaint number.

   

  May you please inform the business that I accept their response, and I truly appreciate it.

   

  Please inform them that I received the letter in the mail.

   

  Sincerly,

   

  ***************************

• Initial Complaint

  Date:01/29/2024

  Type:Sales and Advertising Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Inaccurate credit card billing statements. Fraudulent charges. The end of the statement cycle the statement balance for this current month period due Feb 1 reflects $987.20. Yet when accessing the portal the card balance is $1004. There has not been any new charges to the card from the cycle ending until today 1/26/24 so why is the balance more?

  

  Business Response

  Date: 02/02/2024

  
  On February 2, **** we responded by Priority Mail to the complaint from ********************** (complainant), Case Number ********, that we received from your office on January 29, ****. 
  
  In order to protect the confidentiality of our customers account and other personal information, we have not provided you a copy of the response we sent to the complainant but indicated in our response that he/she may share the response with you.  
  
  If you have any questions, please contact us at **************. 
  
  Executive Response Center 

• Initial Complaint

  Date:08/14/2023

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am disputing late payments on credit report I talked to a representative from the 1st Financial bank USA to dont report my account in ************************************************************************************************* 2022

  

  Business Response

  Date: 08/30/2023

  On August 30, 2023 we responded by Priority Mail to the complaint from *************************** (complainant), Case Number ********, that we received from your office on August 14, 2023.
  
  In order to protect the confidentiality of our customers account and other personal information, we have not provided you a copy of the response we sent to the complainant but indicated in our response that he/she may share the response with you.
  
  If you have any questions, please contact us at **************.
  
  Executive ***************

• Initial Complaint

  Date:07/28/2023

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have never entered into a contract with 1st Financial bank .Upon checking my credit report there is a closed account number ************ opened in October 2015 listing as a charge off. I am not liable for this debt as it is not mine and demand it is removed from all consumer credit reports per FRCA 15 U S C **** this is a direct violation of my rights

  

  Business Response

  Date: 08/09/2023

  On August 09, 2023 we responded by Priority Mail to the complaint from ******************************* (complainant), Case Number ********, that we received from your office on July 28, 2023.
  
  In order to protect the confidentiality of our customers account and other personal information, we have not provided you a copy of the response we sent to the complainant but indicated in our response that he/she may share the response with you.
  
  If you have any questions, please contact us at **************.
  
  Executive Response Center
  

  Customer Answer

  Date: 08/10/2023

   
  Complaint: 20385465
  
  I am rejecting this response because:

  Without my consent First Financial Bank has updated their records with my address.This letter I received is asking me to login to an account online , which I have no knowledge of to report the unauthorized charges. The entirety of the account is unauthorized, Ive never entered into a contract with First Financial Bank. I am not liable for this debt as the account is not mine . I demand this account to be removed from all consumer credit reports.
  
  *********************************************************

  

  Business Response

  Date: 08/18/2023

  On August 18, 2023 we responded by Priority Mail to the complaint from ******************************* (complainant), Case Number ********, that we received from your office on August 10, 2023.
  
  In order to protect the confidentiality of our customers account and other personal information, we have not provided you a copy of the response we sent to the complainant but indicated in our response that he/she may share the response with you.
  
  If you have any questions, please contact us at **************.
  
  Executive Response Center
  

  

  Business Response

  Date: 08/18/2023

  Date Sent: 8/18/2023 12:16:41 PM
  On August 18, 2023 we responded by Priority Mail to the complaint from ******************************* (complainant), Case Number ********, that we received from your office on August 10, 2023.
  
  In order to protect the confidentiality of our customers account and other personal information, we have not provided you a copy of the response we sent to the complainant but indicated in our response that he/she may share the response with you.
  
  If you have any questions, please contact us at **************.
  
  Executive ***************

  

  Business Response

  Date: 08/18/2023

  Date Sent: 8/18/2023 12:16:41 PM
  On August 18, 2023 we responded by Priority Mail to the complaint from ******************************* (complainant), Case Number ********, that we received from your office on August 10, 2023.
  
  In order to protect the confidentiality of our customers account and other personal information, we have not provided you a copy of the response we sent to the complainant but indicated in our response that he/she may share the response with you.
  
  If you have any questions, please contact us at **************.
  
  Executive ***************

• Initial Complaint

  Date:07/24/2023

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this debt with 1st Financial Bank USA, **** I do not have a contact with the collection agency.

  

  Business Response

  Date: 08/03/2023

  On August 3, 2023 we responded by Priority Mail to the complaint from *********** (complainant),Case Number ********, that we received from your office on July 25, 2023.
  
  In order to protect the confidentiality of our customers account and other personal information, we have not provided you a copy of the response we sent to the complainant but indicated in our response that he/she may share the response with you.
  
  If you have any questions, please contact us at **************.
  
  Executive ***************