Complaints

This profile includes complaints for First National Credit Card's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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  First National Credit Card

  500 E 60th St N Sioux Falls, SD 57104-0478

  
• 

  First National Credit Card

  PO Box 5097 Sioux Falls, SD 57117-5097

  
• 

  First National Credit Card

  PO Box 5098 Sioux Falls, SD 57117-5098

  

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:02/19/2025

  Type:Billing 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 applied for this credit card and got approved. I never received my card or statement but noticed on my credit report that they reported my 1st payment late for service fee. I never received my card and never activated this account so how can they report my account as being late? This has damaged my credit I’m working so hard to improve!

• Initial Complaint

  Date:01/18/2025

  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 am kindly reaching out to settle this charge off account. When I contacted Legacy credit card during this past summer 2024 (unsure of the month) in attempt to settle the account --- I verbalized that their 50% settlement offer was not ideal due to my situation. For context, I am disabled retiree on fixed income with health problems. I tried to offer an amount less than 50% but the Legacy representative told me that my account was just placed for collection that I could bring up the less than 50% settlement to them --- providing reassurance that this is possible. The account was placed with ******* ***** *********. They had the same settlement offer as Legacy. They provided an e-mail in the letter I received on 08/2. I tried to reach out on 08/11/24 and 09/05/24 to settle below 50% through e-mail and was not responded to. I then decided to call. I called them on 09/25; 10/16; and 10/31/2024 to discuss settlement below 50%. The representatives were cold but the last representative I spoke too on 10/31 verbalized they are limited to what they can accept as it is set by the creditor (Legacy). If that is the case, can Legacy kindly accept a reduced settlement of $150 in order to fulfill this obligation. I feel that I was falsely given hope by the representative at Legacy for instructing me to bring up the less than 50% settlement to the collection agency; moreover, being told that the settlement is set by the creditor is discouraging as it seems like a back and forth fiasco. Or if Legacy can please communicate the reduced settlement to Sequium. I appreciate the assistance!

  

  Business Response

  Date: 01/24/2025

  This letter is in response to the correspondence we received from the Better Business Bureau.
  
  I understand from your correspondence that you have attempted to settle your account but did not receive a settlement offer that was manageable under your current financial circumstances. You are requesting to settle your account for $150.
  
  I certainly regret any confusion caused by information provided regarding your account and settlement options. Our records show your account charged off on July 29, 2024 with a balance of $985.93. Unfortunately, we are unable to accept your offer to settle the account for $150. However, we are willing to settle your account for 25% of your account's balance of $985.93. Our office must receive a single payment in the amount of $246.48 by February 24, 2025 to take advantage of this offer.
  
  Upon receipt of the settlement amount, we will report the account as charged off and settled for less than the full balance to the credit bureaus. This may remain on your credit bureau for up to 7 to 10 years. If your payment is not received by the above date, this settlement offer will no longer be valid and you will need to contact us to make a new arrangement.
  
  Check or money order should be sent to:
  
  First National Credit Card

  ** *** ****

  Omaha, NE 68103-2496
  
  I hope this information is helpful. If you have any further questions, please feel free to contact me at 605-782-3833.

  Customer Answer

  Date: 02/21/2025

  Good Day! I would like the BBB to send this information to the business. 
  I have made full settlement payment directly to First National Credit Card and have been informed that the check has been processed. I would like to kindly request a letter from First National Credit Card that the account is officially settled so that I can forward this to the debt collection agency, Sequium and for the business to notify Sequium as well that the account is settled. Thank you! 

• Initial Complaint

  Date:01/10/2025

  Type:Billing Issues
  Status:

  UnpursuableMore 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 debit with FIRST NATIONAL CREDIT CA. I do not have a contract with the collection agency trying to collect.

• Initial Complaint

  Date:12/24/2024

  Type:Billing 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 filled out an application for this credit card. I received a card in the mail. When i reviewed the interest and terms of the card, I decided that I did not want the card. I cut the card up and never activated the card. I also never used the card. In December of 2024 First National Credit Card they reported to all 3 credit bureaus that my account was more than 30 days past due with a balance of $60. I called the credit card company and spoke with a representative named ***** He said that the account would be removed from all three credit bureaus. I received a letter dated 12/11/24 saying the account was closed (Not removed) and that any remaining balance will be billed until paid in full. This is not correct and this account is still reflecting on my credit. This needs to be removed from all 3 credit bureaus as the card was never activated

  

  Business Response

  Date: 12/30/2024

  This letter is in response to the correspondence we received from the Better Business Bureau.
  
  I understand from your correspondence that you applied for a Legacy Visa credit card, but never activated the credit card. When you contacted us, you were advised the account would not be reported to the credit bureaus. However, you indicate the account was reported late to the credit bureaus and is still being reported on your credit profile. You are requesting the account removed from your credit report.
  
  Our records indicate that the account was opened on September 24, 2024 and the Annual Fee billed on October 2, 2024, which was advised on the offer to apply you received. On December 11, 2024, you contacted us and the account as closed per your request and all fees were credited. The account is closed with a $0.00 balance. The closure letter you received states that if any balance remains, it is still owed. No balance remains on the account and nothing is owed.
  
  Regarding our credit bureau reporting, we have submitted a request to the credit bureaus to remove this account from your credit bureau report. Please allow 30 to 60 days for the credit bureaus to update their records.
  
  I hope this information is helpful. If you have any further questions, please feel free to contact me at *************

  Sincerely, 

  **

• Initial Complaint

  Date:12/03/2024

  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.

  I filed a dispute with this credit card company and they waited a while to send me a letter in mail. I did not receive the letter, so I called again about the dispute. The rep informed me that they would continue investigating the dispute, but it would take 90 days. Then I receive a letter in the mail, where they tell me they are not continuing with the dispute and are closing the investigation. These people are refusing to reimburse me or issue a refund for a service I did not receive and originally disputed. Please inform people of how shady this company is and help me obtain my funds.

  

  Business Response

  Date: 12/10/2024

  This letter is in response to the correspondence we received from the Better Business Bureau.
  
  I understand from your correspondence that you disputed a transaction on your account, but did not receive the letter that was sent. You indicate that you requested this letter be resent, but only received a letter advising the dispute was closed. You are requesting a refund for the disputed transaction in the amount of $170.00.
  
  Our records indicate you disputed a transaction from ****************** that posted on June 25, 2024 in the amount of $170.00. On July 17, 2024, we sent a letter requesting additional information to assist you further with your dispute. We received a telephone call from you on August 1, 2024 and we sent a letter that requested additional details. However, we did not receive a written response from you.
  
  We have completed our investigation and you are not being held responsible for the disputed item. We issued credit to your account totaling $170.00 for the disputed transaction and associated finance charge(s). These credits will appear on a subsequent billing statement.
  
  I hope this information is helpful. If you have any further questions, please feel free to contact me at *************

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

  First National Credit Card

  Customer Answer

  Date: 12/11/2024

   
  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

  Date:10/25/2024

  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.

  Hello, I am just trying to get a copy of a 1099 C debt of cancellation so i can file an amended tax return form 1040X. Because this company sent the cancellation of debt to IRS i am required to report it and add it to my taxes. there is one issue here i never received a copy of the 1099 c and when i call IRS they are saying i need to call the company to get it. i also changed my address long time ago and i believe if this was sent it might have been sent to an old address i had 5 or 6 years ago. I have been calling these people for the past 4 months and nobody can assist me they keep transferring me to financial assistance and when i explain they said okay we will send it and i never received anything. At this point i am gonna have to send a letter to IRS to let them know i never received this so they can investigate because nobody can help me.

  

  Business Response

  Date: 10/29/2024

  This letter is in response to the correspondence we received from the Better Business Bureau.
  
  I understand from your correspondence that you did not receive the 1099-C Cancellation of Debt Form for your Legacy/First National Credit Card account and claim that no one you have contacted has been able to assist you. Our records do not show that we have received any telephone calls from you regarding your account. Per your request, a copy of your 1099-C Cancellation of Debt Form for 2022 is enclosed.
  
  I hope this information is helpful. If you have any further questions, please feel free to contact me at *************

  Sincerely, * *****

  
  

  Customer Answer

  Date: 10/31/2024

  
  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

  Date:08/28/2024

  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.

  I applied for and was approved for a credit card. I received the credit card and never activated it. I called the company and told them to cancel the credit card account because I did not want it and was not activating it. They sent me a bill for a $50.00 annual membership fee plus a $25.00 Late Fee, $5.71 in Other Fees, and $1.47 Interest. Total due is $86.61. I called them about the charges and they refused to do anything.

  

  Business Response

  Date: 08/29/2024

  This letter is in response to the correspondence we received from the Better Business Bureau.
  
  In your correspondence, you indicate that you applied for and were approved for a Legacy credit card, but did not activate the card and contacted us to cancel the account. You recently received a monthly statement showing you owed for the Annual Fee and other fees and believe that you contacted us and were advised nothing could be done.
  
  Our records show your account was approved and opened on July 1, 2024. On August 9, 2024, you contacted us and closed the account and all fees were credited. The monthly statement you included was mailed prior to you contacting us to close the account, so please disregard this statement. Your account is closed with no balance owing.
  
  I hope this information is helpful. If you have any further questions, please feel free to contact me at ************.

  Customer Answer

  Date: 08/29/2024

  
  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

  Date:08/19/2024

  Type:Billing 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.

  My credit card was compromised, and false ACH payment made, well as soon as I saw the transaction on my history, I contacted First National immediately to make them aware. The result was my credit card shut down, reported as a closed account and a NSF fee assessed. This is the second time an issue has been with payment issues and NSF fee being added. This is really unprofessional first off. Secondly the evidence of phone being hacked, police report #, and supporting evidence faxed over 4 different times and nothing has ever been resolved or fixed,

  

  Business Response

  Date: 08/23/2024

  This letter is in response to the correspondence we received from the Better Business Bureau.
  
  In your correspondence, you indicated that you credit card had been compromised and a fraudulent ACH payment made on your account. You contacted us about this payment and believe you have provided proof to have the issue corrected, but your account remains closed and received a returned check fee. You are requesting the account reopened, the returned check fee refunded, autopay reinstated, and a correction to your billing statement and credit bureau report.
  
  Regarding your recent returned payment, on May 27, 2024, a payment of $450.00 was scheduled through our website using your log in credentials. A SVB, a Division of First Citizens Bank, checking account ending in **** was used for this payment. This checking account had not previously been used on your account. Due to the changes in payment behavior, we requested proof this payment was authorized in a letter that was sent on May 28, 2024. On May 30, 2024, this payment was returned to us as unauthorized. Since the payment was returned as unauthorized, the account was closed.
  
  We spoke with you on May 31, 2024 and you indicated that you indicated that you did not make this payment and would send a letter to have the account reopened. No correspondence was received from you until July 1, 2024. The documentation you provided showed that you authorized a stop payment on the payment in March. On August 9, 2024, we received your fax of a police report where you state that your phone was hacked and this account among others was affected. No additional details were included and no requests were included with either letter.
  
  Due to your correspondence, we have placed this payment into dispute and your old credit card number ending in 7844 has been shut down. A new account number ending in 3170 is being set up. Your new credit card should arrive within the next 10-14 days. We have reopened your account and submitted a request to update this information with the credit reporting agencies. Please allow 30 to 60 days for them to update their records. I have credited the returned payment charge of $25.00. This credit will appear on a subsequent monthly billing statement.
  
  Your account is currently past due with a balance owing of $496.06. Regarding the Automatic payment service, you will be able to re-enroll your account through our website, or by calling us at ***** ********. This update can take up to 24 hours to take effect, so you should be able to re-enroll tomorrow at the earliest, or Tuesday at the latest. You can contact me on Monday if this update still has not taken effect. 
  
  I hope this information is helpful. If you have any further questions, please feel free to contact me at *************

• Initial Complaint

  Date:07/16/2024

  Type:Billing 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 recently reviewed my credit card statements and noticed several late fees. Here's something I have noticed: when you go to submit a payment and select the payment date, their system/website immediately schedules it for the next month. For example: if the due date is 2/28 the calendar defaulted to 3/28, skipping a whole month. Not sure how recent this change is but it was not like this before. It seems these practices have been deliberately put in place to cause confusion with customers so that your company can charge them late fees. - On April 28th for $25: I am very confused about this one since the payment was submitted on the due date (4/28) and I was still charged a late fee? Would you please elaborate on why I was charged a late fee on this date if the payment was submitted on the due date. - On May 28th for $25: The website kept selecting the wrong payment date over and over. Someone needs to look into this. I was not able to submit payment until way after 5 PM CST. I am requesting the refund for this late fee as well given the numerous inconveniences I have been experiencing since the “payment date” calendar was updated on your website. I mailed them a formal letter asking to waive these fees and they refused. I am reporting them to the BBB so that others can take note of these practices as well.

  

  Business Response

  Date: 07/23/2024

  This letter is in response to the correspondence we received from the Better Business Bureau.
  
  I understand from your correspondence that you have received several late fees on this account and believe that our website caused your payments to be scheduled for the incorrect date. You indicate that your payment was late in May due to these website issues and questioned why you received a late fee in April when your payment was on time. You are requesting these late fees credited and an explanation.
  
  When scheduling online payments, our system offers the first available payment date (i.e. today’s date or tomorrow’s date if it is after 5:00 PM CST cut off time). The month and year are shown at the top and the user must manually choose the date. After the payment is submitted, a confirmation screen showing the payment date is shown to the user and then another confirmation of this payment amount and date is emailed to the user. If you continue to have issues with our website, please contact as soon as possible, so that we can assist you further.
  
  Regarding your claim that your previous request to have late fees credited was refused, our records show that on June 25, 2024, we responded to your letter educating you on why the April payment was late and as a gesture of goodwill, we credited the late fees that billed in February and March. A copy of our response is enclosed.
  
  In reference to your April payment, our records show that no payment posted to your account for your March 28, 2024 due date. On March 28, 2024, a checking account payment for $33.00 was scheduled to post on April 28, 2024. Since no payment posted for your March due date, the minimum due on April 28, 2024 was $67.00. Since the full minimum due was not paid, a late fee was applied. On May 28, 2024, our records show you logged in at 5:24 PM CST and set up the payment one minute later. Since this was after the same day payment cut off time of 5:00 PM CST for ACH check payments, you scheduled the payment for May 29, 2024. A late fee was applied since your payment did not process by your due date. Based on this information, we find that no website issues occurred. As a courtesy, I have credited the late fee that billed in April. This additional credit will appear on a subsequent monthly statement.Please know that we will be unable to credit additional late fees for this same reason going forward.
  
  I hope this information is helpful. If you have any further questions, please feel free to contact me at ###-###-####.

• Initial Complaint

  Date:07/05/2024

  Type:Billing 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.

  This account is inaccurate and still showing in my credit report. I've been disputing this account for a very long time now and no action was being made.

  

  Business Response

  Date: 07/12/2024

  Enclosed is the response for the BBB compliant. 

   

  Thanks you