ComplaintsforFirst PREMIER Bank - Retail

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Initial Complaint
09/27/2024
Complaint Type:
Billing Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
I am not liable for this debt with FIRST PREMIER BANK. They did not provide me with the ORIGINAL CONTRACT as i requested.
Business response
10/01/2024
RE: First PREMIER Bank credit card account ending in ****

Dear *******

This is in response to your request for debt validation and correction to your credit report.

Debt validation is only required of debt collectors. First PREMIER Bank is the original creditor, not a debt collector. The application was received online, and there is no signed contract available.

Credit card accounts must be reported to the consumer reporting agencies, and there is not an option to opt out of reporting.

The account was opened in November 2018. We stopped receiving payments, so it charged off in October 2022 with a balance of $1,073.02, which remains today.

Charged-off accounts are normally removed from the credit report seven years from the charge-off date, and the consumer reporting agencies are responsible to remove them at the correct time. Accurate information is neither changed nor removed early.

If you feel this account is either fraudulent or reporting to the consumer reporting agencies inaccurately, please provide a detailed explanation and any supporting documentation. This can be uploaded here or sent to:

First PREMIER Bank
Attn: Correspondence
** *** ****
Sioux Falls, SD 57117-5524

We hope this response is helpful and addresses your concerns.

Sincerely,

Office of the President
Business Communications
PREMIER Bankcard, LLC
PO Box 5114
Sioux Falls, SD 57117-5114
(bp)

(13198)

PREMIER Bankcard, LLC is a registered Member Service Provider for First PREMIER Bank.
Customer response
10/01/2024

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.

Sincerely,
****** *****
Initial Complaint
09/15/2024
Complaint Type:
Billing Issues
Status:
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.
First premiere has been reporting a past due balance to my credit for a while now when the account has been closed, settled, and paid. I am requesting for deletion on this account as I have took a major hit on my credit for months now and they are not willing to make it right. I request that this be deleted. I spoke to a representative on Friday and she advise there is nothing they can do but send me a letter. I have attached the letter below. Thank you for your time on this matter.
Business response
09/18/2024
RE: First PREMIER Bank credit card account ending in ****

Dear *******

This is in response to your concerns regarding credit reporting.

The account charged off in February 2019, was settled in May 2023, and has a zero balance. Charged-off accounts remain on the credit report approximately seven years from the charge-off date, even if settled.

It’s important for your credit report to show the history of your accounts to ensure fairness in the credit reporting system. We confirmed we are accurately reporting to the consumer reporting agencies as settled for less then the full balance, charged-off, zero balance, and disputed by consumer. Accurate information is neither changed nor removed early.

We know this isn’t the answer you want but hope you understand our commitment to accurate credit reporting.

Sincerely,

Office of the President
Business Communications
PREMIER Bankcard, LLC
** *** ****
Sioux Falls, SD 57117-5114
(AE)
(13135)

PREMIER Bankcard, LLC is a registered Member Service Provider for First PREMIER Bank.
Customer response
09/18/2024

Complaint: ********

I am rejecting this response because: it is not showing zero balance on my credit report.

Sincerely,

****** *****
Business response
09/20/2024
Dear *******

You stated your balance is not showing zero on your credit report. We thoroughly reviewed your account multiple times and confirmed we’re accurately reporting your account to the consumer reporting agencies as charged off and paid in full for less than the full balance. The screenprint you attached to your complaint reflects a zero balance.

The same information is reported to each consumer reporting agency, and they are expected to update the information on your credit report. It is normal to see slight differences in how each credit report reflects the account information.

We recognize that it’s frustrating to have negative information on your credit report and hope you can understand our commitment to accurate reporting.

Office of the President
Business Communications
PREMIER Bankcard, LLC
** *** ****
Sioux Falls, SD 57117-5114
(bp)

(13146)

PREMIER Bankcard, LLC is a registered Member Service Provider for First PREMIER Bank.
Initial Complaint
09/13/2024
Complaint Type:
Billing Issues
Status:
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.
Hard Inquiry: First Premiere Bank, This hard inquiry was not unauthorized by me please have all bureaus delete from my credit reports immediately. I am writing to dispute an unauthorized hard inquiry on my credit report, as permitted under the Fair Credit Reporting Act (FCRA), 15 U.S.C. § 1681 et seq. I did not authorize these inquiries and was not aware of any application or request for credit. These unauthorized inquiries are negatively impacting my credit score and does not comply with the requirements under the FCRA. Please investigate this matter and remove the unauthorized inquiry from my credit report. I have attached a copy of my credit report highlighting the disputed inquiry, along with any relevant documentation supporting my claim. I request confirmation of the removal in writing and an updated copy of my credit report reflecting the change. Thank you for your prompt attention to this matter.
Customer response
09/16/2024
1711 Fourcade st #4 Houston, Tx 77023
Business response
09/18/2024
RE: First PREMIER Bank

Dear *******

This is in response to your concerns regarding an unauthorized hard inquiry on your credit report.

On August 27, we received an online application with your personal information. Please be assured verification steps are taken on every application we receive. Due to a consumer statement alert on your credit report, we attempted to contact you at ***** ********. We were unable to reach you, so the application was denied August 30. A letter of explanation was mailed August 31.

A request to remove the inquiry from your credit report has been sent.

We are sorry this happened and urge you to reach out to the Federal Trade Commission (FTC) for additional support and information regarding identity fraud at: *****************************.
Sincerely,

Office of the President
Business Communications
PREMIER Bankcard, LLC
** *** ****
Sioux Falls, SD 57117-5114
(bp)

(13134)

PREMIER Bankcard, LLC is a registered Member Service Provider for First PREMIER Bank.
Initial Complaint
09/12/2024
Complaint Type:
Billing Issues
Status:
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.
This credit card cmpany has harassed me andviolated my Fair Debt Collection Practices Act (FDCPA) Under this law, a debt collector is not allowed to tell your commanding officer about your debt, threaten you with persecution under the Uniformed Code of Military Justice or threaten an action they're not allowed to pursue. The company calls me 10 Times a daily back to back and biligerantly demands ransom.
Business response
09/18/2024
RE: First PREMIER Bank credit card account ending in ****

Dear ********

This is in response to your concerns regarding collection efforts.

After receiving the complaint, we processed a cease and desist. We will no longer attempt collection efforts and apologize for any inconvenience this caused.

In your complaint you mentioned we spoke with your commanding officer. For us to further investigate this claim, please provide the dates and times of these calls.

The screen prints included in your complaint does not indicate the phone number calling you. In our review, our records confirm calls were made correctly according to our normal business practices. We attempted to contact you to assist with scheduling payments, which can help avoid further negative impact. We sometimes try to contact you several times a day, and our records indicate we did not make more than six attempts on any day.

This account was opened in July 2022 and as of today it is delinquent and over-the-credit limit. The balance is $591.45 with a total minimum amount of $335.45 due by September 22.

You are enrolled in PREMIER Credit Protection (PCP), which is an optional benefit that may assist customers by making the minimum monthly payment during a qualifying event. Please call ************** for more information

We hope this letter is helpful and addresses your concerns.

Sincerely,

Office of the President
Business Communications
PREMIER Bankcard, LLC
** *** ****
Sioux Falls, SD 57117-5114
(bp)

(13122)

PREMIER Bankcard, LLC is a registered Member Service Provider for First PREMIER Bank.
Initial Complaint
09/10/2024
Complaint Type:
Billing Issues
Status:
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.
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681: PREMIER BKCRD/FIRST PREMIER **************** I completely paid off this account a month ago. The entire balance was paid off, the balance from my credit report went from around $780 to $0.00 so they even reported it is no more balance, but they still left it on my credit report. It should be completely removed, the reason I paid it off and DID NOT settle.
Business response
09/18/2024
RE: First PREMIER Bank credit card accounts ending in **** and ****

Dear *******

This is in response to your concerns regarding credit reporting.

Please review our current privacy notice at mypremiercreditcard.com. The Gramm-Leach-Bliley Act specifically allows for reporting information to the consumer reporting agencies in accordance with the Fair Credit Reporting Act (FCRA). We are committed to reporting account details correctly, and you do not have an option to stop creditors from reporting. The required notice was provided on your first billing statements.

We thoroughly reviewed the accounts and confirmed we are reporting accurately. Below is a summary of your accounts:

Account ending in *****
This account was opened in April 2020 and charged off due to delinquency in January 2024 with a balance of $764.59. It was paid in full in August 2024 while being serviced with True Accord.

Account ending in *****
This account was opened in August 2022 and charged off due to delinquency in December 2023 with a balance of $1,182.04, which remains today.

Charged-off accounts are normally removed from the credit report seven years from the date of charge-off, even if paid. It is the responsibility of the consumer reporting agencies to remove accounts at the correct time. Accurate information is neither changed nor removed early.

We hope this response is helpful and resolves your concerns.

Sincerely,

Office of the President
Business Communications
PREMIER Bankcard, LLC
** *** ****
Sioux Falls, SD 57117-5114
(bp)

(13108)

PREMIER Bankcard, LLC is a registered Member Service Provider for First PREMIER Bank.
Initial Complaint
09/04/2024
Complaint Type:
Billing Issues
Status:
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.
I am writing to file a formal complaint against FIRST PREMIER BANK due to a fraudulent account that was opened in my name. Upon reviewing my credit report, I discovered the following unauthorized account: Creditor Name: FIRST PREMIER BANK Opened Date: 10/31/2022 Account Number: ************ Higher Credit: $355.00 I am a victim of identity theft, and I have filed a complaint with ***************** regarding this matter. I am disputing this account and requesting that it be removed from my credit report immediately. Enclosed, you will find copies of my complaint filed with ***************** along with other relevant documentation to support my claim. I kindly request that the BBB assist in resolving this issue with FIRST PREMIER BANK, ensuring that this fraudulent account is removed from my credit report and that any associated collection activities are ceased. Thank you for your prompt attention to this matter.
Business response
09/05/2024
RE: First PREMIER Bank credit card account ending in ****

Dear ******:

This is in response to your complaint regarding identity theft and collection efforts to cease.

After receiving the complaint, we processed a cease and desist. No further outbound collection efforts will be made, and we apologize for any inconvenience this caused.

Our records show this is our first notice of identity theft, and we referred it to our Security Department. Please allow up to 30 days for them to investigate, and they will contact you directly.

After the investigation is complete, the account may be reviewed for possible adjustments.

We encourage you to contact the consumer reporting agencies to discuss options to protect yourself from additional fraud. You can find more information at: *****************************************************************************

Thank you in advance for your patience. If we can be of further assistance, please call Customer Service at *************

Sincerely,

Office of the President
Business Communications
PREMIER Bankcard, LLC
** *** ****
Sioux Falls, SD 57117-5114
(bp)

(13080)

PREMIER Bankcard, LLC is a registered Member Service Provider for First PREMIER Bank.
Initial Complaint
09/04/2024
Complaint Type:
Billing Issues
Status:
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.
Subject: Dispute of Inaccurate Information Due to ******** Data Breach and National Breach Under FCRA I am writing to formally dispute several entries on my credit report that I believe to be the result of unauthorized activity linked to the widely publicized data national breach. These breaches have compromised my personal information, leading to inaccuracies and fraudulent entries in my credit report. The specific items in dispute are: FIRST PREMIER BANK - Account Number: **************** Under the Fair Credit Reporting Act (FCRA), 15 U.S.C. § 1681 et seq., I have the right to dispute information on my credit report that I believe is inaccurate or the result of identity theft. Additionally, under Section 605B of the FCRA, if an identity theft report is provided, consumer reporting agencies are required to block the fraudulent information from the credit report within four business days of receiving the request. An Identity Theft Report, including a Federal Trade Commission (FTC) affidavit and a police report documenting the breaches and the identity theft. I hereby request that you: Investigate the disputed entries on my credit report. Remove or correct any inaccurate information resulting from the identity theft associated with the ******** breach and the national breach. Provide me with a copy of my updated credit report once the investigation is complete. Block any fraudulent information from reappearing on my credit report as mandated by the FCRA. Please confirm in writing that you have received this dispute and provide a timeline for the completion of your investigation. If these items are not removed, I may consider pursuing further legal action to protect my rights under federal law. I expect your prompt attention to this serious matter and look forward to a resolution. Sincerely, ****** ******
Business response
09/06/2024
RE: First PREMIER Bank credit card accounts ending in **** and ****

Dear *******

This is in response to your complaint regarding credit reporting and identity theft.
We referred your identity theft claim and material you provided to our Security Department. Please allow up to 30 days to investigate, and they will contact you directly.
Online applications with your personal information were received, and accounts were opened in April 2021 (****) and August 2023 (****).
Upon completion of the investigation, the accounts may be reviewed for possible adjustments to your credit report.
Thank you for your patience while we investigate.

Sincerely,

Office of the President
Business Communications
PREMIER Bankcard, LLC
** *** ****
Sioux Falls, SD 57117-5114
(AE)
(13079)

PREMIER Bankcard, LLC is a registered Member Service Provider for First PREMIER Bank.
Initial Complaint
09/04/2024
Complaint Type:
Billing Issues
Status:
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.
FIRST PREMIER BANK Opened: 6/27/2017 (Account Number: ************) Opened: 7/27/2018 (Account Number: ************) Amount: $2,807.00 and $938.00 Dispute Reason: These accounts are fraudulent and were never authorized or opened by me. I am a confirmed victim of identity theft. I demand the immediate and permanent removal of these accounts from my credit report to prevent further damage to my financial reputation.
Business response
09/05/2024
RE: First PREMIER Bank credit card accounts ending in **** and ****

Dear ********

This is in response to your concerns regarding fraudulent accounts.

Our records show this is our first notice of identity theft, and we referred it to our Security Department. Please allow up to 30 days for them to investigate, and they will contact you directly. To aid in their investigation, please provide the following:

- Completed identity theft affidavit: (******************************)
- Proof of address at the time the accounts were opened
- Details about how you think this fraud occurred and who is responsible
- Supporting documentation, such as a police report

This can be sent to:

First PREMIER Bank
Attn: Security Department
** *** ****
Sioux Falls, SD 57117-5524

The accounts were opened in June 2017 (****) and July 2018 (****). They charged off due to delinquency in June 2023 with balances of $938.42 (****) and $1,544.38 (****), both of which remain today.

Charged-off accounts are removed from the credit report approximately seven years from the charge-off date, and accurate information is neither changed nor removed early. The consumer reporting agencies are responsible for removing them at the correct time.

Upon completion of the investigation, the accounts may be reviewed for possible adjustments to your credit report.

Thank you in advance for your cooperation and patience.

Sincerely,

Office of the President
Business Communications
PREMIER Bankcard, LLC
** *** ****
Sioux Falls, SD 57117-5114
(crc)

(13072)
PREMIER Bankcard, LLC is a registered Member Service Provider for First PREMIER Bank.
Initial Complaint
08/30/2024
Complaint Type:
Billing Issues
Status:
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.
PLEASE SEE ATTACHMENTATTN CFO
08/29/2024
NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO
PRINCIPAL
To Whom It May Concern:
I recently received a copy of my (Experian, Equifax or TransUnion) consumer report, and I
noticed some late payments posted on my consumer report:
FIRST PREMIER BANK # ****************
Your company is in clear violation of the law. Pursuant 15 USC §1681a 2(A)(i)
– EXCLUSIONS- Except as provided in paragraph (3), the term “consumer report” does not
include—
(A)subject to section 1681s–3 of this title, any—
(i)
report containing information solely as to transactions or experiences between the consumer
and
the person making the report;
THE LAW CLEARLY STATES:
Transactions between the consumer (ME) and the person (YOU) FIRST PREMIER BANK #
****************
Making the report is not INC
Business response
08/30/2024
RE: First PREMIER Bank

Dear ****** ,

This is in response to your complaint regarding credit reporting.

Additional information is needed to help us confirm the First PREMIER Bank account(s) you are contacting us about.

Please provide us with two or more items from the following list:

First 12 or last four digits of the PREMIER Bank credit card account number
Last four digits of Social Security Number
First PREMIER Bank Reference #/Account ID
Copy of the First PREMIER Bank tradeline from your credit report

This can be sent here or to Office of the President PO *** ****, Sioux Falls, SD 57117-5114. You can also call our Customer Service Department at **************.

Once we receive the information, we will review and respond.

Sincerely,

Office of the President
Business Communications
PREMIER Bankcard, LLC
PO *** ****
Sioux Falls, SD 57117-5114
(AE)
(13054)

PREMIER Bankcard, LLC is a registered Member Service Provider for First PREMIER Bank.
Initial Complaint
08/29/2024
Complaint Type:
Billing Issues
Status:
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.
I am writing to dispute an account reported under my name with FIRST PREMIER BANK. As a victim of identity theft, I did not authorize this account, and it has been wrongfully impacting my credit profile. Account Details: Account Number: ************ Opened Date: 8/16/2019 High Credit: $720.00 A complaint has been filed with *****************, but this account continues to appear on my credit report incorrectly. I demand an immediate investigation and the removal of this account. Your immediate action on this matter is crucial to prevent further harm to my financial well-being.
Business response
09/05/2024
RE: First PREMIER Bank credit card account ending in ****

Dear ******:

This is in response to your concerns regarding identity theft.

Our Security Department received your identity theft claim through the consumer reporting agencies and found you liable as the account information verified as belonging to you. After receiving your complaint, we reviewed and confirmed our position stands. To further investigate, please provide:

A completed identity theft affidavit *******************************)
Documentation to support your claim, such as a police report
Proof of address at the time the account was opened
Details about how you think this fraud occurred and who is responsible

This can be sent to:

First PREMIER Bank
Attn: Security Department
** *** ****
Sioux Falls, SD 57117-5524

The account was opened in August 2019 after receiving an online application. Due to delinquency, it charged off in April 2022 with a balance of $720.25. The balance was paid in January 2023.

Charged-off accounts are normally removed from the credit report seven years from the date of charge-off, even if paid. It is the responsibility of the consumer reporting agencies to remove accounts at the correct time. Accurate information is neither changed nor removed early.

We hope this information is helpful and appreciate your cooperation in providing us with the requested information.

Sincerely,

Office of the President
Business Communications
PREMIER Bankcard, LLC
** *** ****
Sioux Falls, SD 57117-5114
(bp)

(13048)

PREMIER Bankcard, LLC is a registered Member Service Provider for First PREMIER Bank.

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