Complaints
This profile includes complaints for PREMIER Bankcard's headquarters and its corporate-owned locations. To view all corporate locations, see
Customer Complaints Summary
- 1,004 total complaints in the last 3 years.
- 211 complaints closed in the last 12 months.
If you've experienced an issue
Submit a ComplaintThe 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:04/20/2025
Type: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.
BBB Complaint: Credit Reporting Dispute and Privacy Violation Complainant: Samir Patel 18554 Kamana Rd. Apple Valley, CA 92307 ******************* Business: PREMIER BKCRD / FIRST PREMIER *** * ********* ***, Sioux Falls, SD 57104 Date: April 19, 2025 Complaint Summary: I am submitting this complaint due to PREMIER BKCRD / FIRST PREMIER's continued reporting of an account (ending in ***********) to credit reporting agencies despite my written revocation of consent. I previously contacted the company, but they have not resolved the matter. The continued reporting is harming my credit and is being done without a legal requirement or valid purpose. Under the Fair Credit Reporting Act (FCRA), reporting is voluntary. If a company chooses to report, the information must be fully accurate and verifiable. I dispute the accuracy of the data being reported and assert that consent for reporting and third-party sharing has been revoked. Additionally, privacy laws including the Gramm-Leach-Bliley Act and the California Consumer Privacy Act provide me the right to stop third-party data sharing. My request is being ignored. Requested Resolution: - Cease all reporting of the referenced account to CRAs. - Remove the existing data from Experian, Equifax, and TransUnion. - Stop all unauthorized sharing of my personal/financial data. - Provide written confirmation of compliance. Thank you for assisting with this resolution. Sincerely, Samir Patel
Business Response
Date: 04/24/2025
RE: First PREMIER Bank credit card accounts ending in **** and ****
Dear ******
This is in response to your complaint where you expressed concern with 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). You do not have the option to stop the reporting of your account. The required notice informing you your account would be reported was included on your first billing statement.
Following a thorough review, we confirmed we are accurately reporting the accounts as closed with a zero balance and disputed. Accurate information is neither changed nor removed from a credit report early, and the consumer reporting agencies remove accounts at the correct time.
The accounts were opened in February 2019 (****) and May 2020 (****). Both accounts were closed in February 2021 after we requested verification of your Social Security Number and address but did not receive it. The accounts have a zero balance today.
Please refer to your credit card contracts regarding any questions you have about Arbitration and your right to litigate.
We hope this information is helpful. If we can be of further assistance, please call us at *************
Sincerely,
Office of the President
Business Communications
PREMIER Bankcard, LLC
** *** ****
Sioux Falls, SD 57117-5114
(crc)
(15011)
PREMIER Bankcard, LLC is a registered Member Service Provider for First PREMIER Bank.Business Response
Date: 05/02/2025
RE: First PREMIER Bank credit card accounts ending in **** and ****
Dear ******
You expressed additional concern with credit reporting.
Creditors are required to report your accounts to the consumer reporting agencies, and you do not have an option to opt-out. As previously stated, the notice informing you your accounts would be reported was included on your first billing statement. The Gramm-Leach-Bliley Act specifically allows for reporting information to the consumer reporting agencies in accordance with the Fair Credit Reporting Act (FCRA).
The consumer reporting agencies remove accounts at the correct time.
If you would like to request a copy of the credit card contract, please contact Customer Service at *************
Sincerely,
Office of the President
Business Communications
PREMIER Bankcard, LLC
** *** ****
Sioux Falls, SD 57117-5114
(ko)
(15106)
PREMIER Bankcard, LLC is a registered Member Service Provider for First PREMIER Bank.Customer Answer
Date: 05/06/2025
Complaint: ********
To: Office of the President
PREMIER Bankcard, LLC
PO Box ****
Sioux Falls, SD 57117-5114
Dear Office of the President,
I am writing in response to your recent communication regarding the continued reporting of my credit card accounts ending in **** and *****
To be absolutely clear: this is not a dispute regarding the accuracy of the data you have furnished to consumer reporting agencies. Instead, this is a lawful and explicit revocation of my prior consent to share or furnish any of my personal or financial information—accurate or otherwise—with third parties, including the credit bureaus.
Legal Basis for Revocation:
Gramm-Leach-Bliley Act (GLBA) § 6802 explicitly states that financial institutions may not disclose nonpublic personal information to nonaffiliated third parties without providing the consumer an opportunity to opt out—unless a statutory exception applies, which continued credit reporting does not qualify for without valid ongoing consent.
Fair Credit Reporting Act (FCRA) § 1681b outlines permissible purposes for data furnishing. Once a consumer has revoked authorization, and where no current permissible purpose applies, continued furnishing may no longer be considered lawful.
FCRA § 1681s-2(a)(1) obligates furnishers to maintain not only accuracy but also lawful authority when sharing data. The absence of consent undermines the foundation of this authority.
As a California resident, I also invoke rights under the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA), which provide the right to limit how my sensitive personal information—including account experience data—is used, shared, or retained.
Your Response Mischaracterizes the Law:
The statement that “creditors are required to report your accounts” is legally inaccurate. Nowhere in the FCRA is data furnishing mandated by law. In fact, reporting to consumer reporting agencies is entirely voluntary—what the FCRA does require is accuracy if you choose to report (FCRA § 1681s-2(b)).
Furthermore, prior consent obtained through card use or billing statements is not perpetual and may be rescinded at any time, especially in the absence of an ongoing contractual obligation or benefit supported by consideration.
My Demands:
Immediately cease and desist all furnishing of data related to these accounts to any consumer reporting agency.
Provide a written acknowledgment of my revocation of consent and your institution’s policy regarding consumer opt-out of data sharing.
Confirm that no new data related to these accounts will be furnished to any CRA moving forward.
Sincerely,
***** *****Initial Complaint
Date:04/18/2025
Type: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 am filing a formal complaint against Premier Bank for inaccurately reporting late payments on my credit report and failing to verify the information after multiple disputes. Under the Fair Credit Reporting Act (FCRA), 15 U.S. Code § 1681i, I have the right to dispute information I believe is inaccurate or incomplete. I exercised this right by submitting disputes to the credit reporting agencies (Experian, Equifax, and TransUnion) regarding late payments reported by Premier Bank on account ending in ******. Despite my requests, the credit bureaus have continued to report this information without providing documentation to support its accuracy. To date, I have not received any proof that these late payments are valid. Reporting unverifiable or inaccurate information violates the FCRA, which requires furnishers and bureaus to investigate disputes and remove any data that cannot be verified. I am requesting that the BBB investigate Premier Bank’s failure to comply with FCRA requirements. I also request the removal of the inaccurate late payment entries from all credit reporting agencies and written confirmation once resolved. I have attached copies of my dispute letters, relevant credit report sections, and correspondence received during the dispute process.Business Response
Date: 04/30/2025
RE: First PREMIER Bank credit card account ending in ****
Dear ******,
This is in response to your complaint where you expressed concern with credit reporting.
Following a thorough review, we confirmed we are accurately reporting the late payments on your account. Please be assured we are committed to correctly reporting your account details to the consumer reporting agencies. When you send a dispute through the consumer reporting agencies, we investigate and respond directly to them.
When only one due date is missed, the delinquency is not reported to the consumer reporting agencies; however, if we do not receive at least the minimum payment for two or more due dates in a row, an account reports delinquent. Payments were not received for the due dates in April 2023, May 2023, December 2023, and January 2024; therefore, accurate late payments reported in May 2023 and January 2024.
The account is current with a balance of $1,015.86, and a total minimum amount of $72.00 is due by May 13.
You stated you attached additional documents to aid in your dispute, but we did not receive these.
We hope this information is helpful. If we can be of further assistance, please call us at *************
Sincerely,
Office of the President
Business Communications
PREMIER Bankcard, LLC
** *** ****
Sioux Falls, SD 57117-5114
(crc)
(15022)
PREMIER Bankcard, LLC is a registered Member Service Provider for First PREMIER Bank.Customer Answer
Date: 05/05/2025
Complaint: ********
I am rejecting this response because:
Sincerely,
****** *******Initial Complaint
Date:04/04/2025
Type: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 company is preventing me from obtaining a mortgage for my home. but no matter what listed phone number I try to call, there's never any way to get a hold of anyone. all they have is a PO box, and the voicemail just talks on and on and on about Medicare or Medicaid.Business Response
Date: 04/11/2025
RE: First PREMIER Bank credit card account ending in ****
Dear ********
This is in response to your complaint regarding your credit report.
You stated there’s never a way to get ahold of anyone and that the voicemail just talks on and on about Medicare or Medicaid. We would be happy to research this further if you provide the number you are calling.
Our Customer Service Team can be reached at **************. Business hours are Monday through Friday 7:00 a.m. to 9:00 p.m. and Saturday 8:00 a.m. to 4:30 p.m. Central Time. When you call, there is information that needs to be entered to get through the system. If you do not have the requested information, just continue to hold and your call will be transferred.
This account was open in December 2021 and became delinquent in January 2022. The account was closed at our discretion in March 2022 due to an excessive number of payments returned unpaid by your bank. The delinquency continued to increase until the account charged off in June 2022 with a balance of $545.68, which remains today.
Charged-off accounts stay on the credit report approximately seven years from the charge-off date, and accurate information is neither changed nor removed early.
If we have not addressed all your concerns, please reach out to Customer Service.
Sincerely,
Office of the President
Business Communications
PREMIER Bankcard, LLC
** *** ****
Sioux Falls, SD 57117-5114
(AE)
(14815)
PREMIER Bankcard, LLC is a registered Member Service Provider for First PREMIER Bank.Initial Complaint
Date:04/04/2025
Type: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.
February 2025 I received a statement from Premier Bankcard staying that I used this card. However, upon receiving this statement I IMMEDIATELY contacted them. I told them I NEVER received this card, in which charges had been created. They in essence called ne a LIAR. They were not willing to accept nor believe what I was telling. They insisted I was the one who made these charges and ALL THEY WABT IS FOR ME TO PAY. They then thought they would comfort me by saying "well just send you another card". I IMMEDIATELY refused, saying NO THANK YOU I DON'T WANT AND I DON'T NEED IT. Premier is being insistent about my paying for something I DID NOT USE NOR ACCEPT. Please help to resolve this HERRIFIC situation.Business Response
Date: 04/11/2025
RE: First PREMIER Bank credit card account
Dear ******
This is in response to your complaint where you stated you didn’t receive the credit card and no longer want the account.
We are so sorry for this frustrating situation. The account is closed with a zero balance.
An investigation was completed, and you are not liable for the disputed charges. A letter of explanation was sent on March 11. While investigating, you were not responsible to pay on the disputed charges, but because the annual fee and monthly fee had billed to the first statement, there was a $30.00 payment due. We apologize for this confusion.
A cease and desist was processed and your name, email, and mailing address were removed from our mailing lists.
We reviewed your phone calls and were not able to locate a call where you were informed you had to pay the disputed charges. If you’d like us to research this further, please provide more information, such as who you spoke with and the date and time of the call.
Please reach out to Customer Service if you have any further questions at *************
Sincerely,
Office of the President
Business Communications
PREMIER Bankcard, LLC
** *** ****
Sioux Falls, SD 57117-5114
(AE)
(14814)
PREMIER Bankcard, LLC is a registered Member Service Provider for First PREMIER Bank.Initial Complaint
Date:04/02/2025
Type: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 two accounts on my credit report showing as charged off from First Premier. These accounts were opened without my consent. I have disputed these through credit bureaus requesting verification of the debts, but there has been no resolution to the issue. First Premier has yet to verify with ME, that the debt is mine. Furthermore these debts are dated over 7 years ago, which is a problem in addition to the accounts not being authorized by me. Assistance with resolution of this matter will be greatly appreciated.Business Response
Date: 04/10/2025
RE: First PREMIER Bank credit card accounts ending in **** and ****
Dear R******
This is in response to your complaint where you expressed concern with fraudulent accounts.
Our Security Department investigated and found you liable for the accounts. If there is additional information you would like us to consider, please call Customer Service at ************ or send it to:
First PREMIER Bank
Attn: Security Department
** *** ****
Sioux Falls, SD 57117-5524
As the original creditor, First PREMIER Bank is not required to provide debt validation. The applications were received online, and no signed contracts are available.
The accounts were opened in June 2015 (****) and November 2016 (****). They charged off due to delinquency in November 2019 with a balance of $734.62 (****) and August 2019 with a balance of $919.25 (****), both of which remain today.
Charged-off accounts remain on a credit report for approximately seven years from the charge-off date, and accurate information is neither changed nor removed early. The consumer reporting agencies remove accounts at the correct time.
We hope this information is helpful. If further assistance is needed, please call Customer Service.
Sincerely,
Office of the President
Business Communications
PREMIER Bankcard, LLC
** *** ****
Sioux Falls, SD 57117-5114
(crc)
(14799)
PREMIER Bankcard, LLC is a registered Member Service Provider for First PREMIER Bank.Initial Complaint
Date:04/01/2025
Type: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 been a loyal member of First Premier since 2021- and have enjoyed the relationship- I recently discovered that my account ending in **** had two late payments from October 2022 and June 2023. I personally do not recall missing these payments (as they are the only ones that show on my report) but will admit during that time I was dealing with a personal matter after the birth of my child had who an extended stay in the neonatal intensive care unit (NICU). I obviously was a little overwhelmed, stressed, and overall just worried about the potential outcome. I do not recall receiving any emails (that I can find) or calls notifying me of these missed payments because of course I would have done so. I have tried talking and working it would with the 3 credit buraus about this matter but would need this to be handled internally. I would like a goodwill adjustment due to always paying on time and long relationship with First Premier. This act of goodwill would be extremely helpful as now I'm trying to buy a house in the future with my family.Business Response
Date: 04/07/2025
RE: First PREMIER Bank credit card account ending in ****
Dear *******
You asked that we make a goodwill adjustment and remove the delinquencies on this account.
We previously addressed these concerns in our letters dated January 20 and February 5.
The delinquencies that are appearing on your credit report from October 2022 and January 2023 are valid. First PREMIER Bank is required to report an accurate credit history, and we are not able to fulfill your request for a goodwill adjustment.
Our records confirm emails were sent when your account was 45 days delinquent, these emails were generated on October 1, 2022, and January 1, 2023. We also attempted to contact you via phone.
While we are empathetic to your situation, your continued communication regarding this matter will not change our outcome.
Sincerely,
Office of the President
Business Communications
PREMIER Bankcard, LLC
** *** ****
Sioux Falls, SD 57117-5114
(ko)
(14776)
PREMIER Bankcard, LLC is a registered Member Service Provider for First PREMIER Bank.Business Response
Date: 04/10/2025
Dear Sydney,
As explained on multiple occasions, we do not make goodwill adjustments. We are committed to fair and accurate credit reporting.
You indicated there is an “email block” placed on your email address, and we are unsure what you mean by this. Please provide written clarification of your concern and your request, so we can best assist you.
We consider this matter closed, and further correspondence will not change our position.
Sincerely,
Office of the President
Business Communications
PREMIER Bankcard, LLC
** *** ****
Sioux Falls, SD 57117-5114
(crc)
(14839)
PREMIER Bankcard, LLC is a registered Member Service Provider for First PREMIER Bank.Customer Answer
Date: 04/14/2025
Complaint: ********
I am rejecting this response because i have 15 email addresses that automatically get a "Recipient address rejected" which occurs when the recipient's email server refuses to accept your message. However the other 5 emails go through without an issue. So that's why i believe these 15 people have blocked email communications.
Sincerely,
****** *****Initial Complaint
Date:03/25/2025
Type: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.
Premier Bankcard is engaged in predatory billing practices. This account is owned by my mother who is elderly and disabled. She has had this card many years and it was on autodraft. Recently we found out they do not take autodraft anymore. We called them to find out why the bill was so high and for payment arrangements on a bill we received for over 1000. which was surprising since she has not been using this card and has been a victim of identity theft more than once, and she has been in and out of hospitals with severe health issues the last two years. We asked to make payment arrangements, they agreed, we paid almost 300. which is a lot on a fixed income. and the next month they billed her another 210 instead of the 60-80 a month she has budgeted and had agreed to. Further, when we asked why the bill was so high, she had numerous late fees due to late payments because they had taken it off of autopay and no longer offered that feature, but did not notify her of that. Also- there is an online gaming company that has been billing my mom for many months which she did not know about because it was on autopay. She disputed the gaming charges and they were going to investigate it. Turns out. they didnt investigate , continue to allow this fraudulent charge and instead asked her to prove she doesnt have an account. She cant provide account information for the gaming company when she does not own a computer and she does not do any business with this gaming company. Premiere refuses to investigate further, reduce any fraudulent fees and charges, honor the previous payment agreement nor follow the agreed upon payment arrangements. This is predatory at best and flat out theft. My mom did not know she was paying a monthly credit card fee just for having the card and an annual fee as well. This company has received hundreds if not thousands of dollars from my mom she didnt even owe and refuses to fix or stop this from happening further. Please help us reach a resolution.Business Response
Date: 04/04/2025
Dear ********
This is in response to your complaint where you expressed multiple concerns with your First PREMIER Bank credit card account ending in ****
You called on February 7 and authorized us to speak to ******* ***** regarding the account at any time.
In the same call, you identified and disputed multiple charges from ****************** for $14.99. You indicated you authorized the initial charge on February 5, 2021, but did not intend to continue a monthly subscription; therefore, you disputed all subsequent monthly charges from March 7, 2021, through October 7, 2024. In response to this dispute, we sent a letter to you requesting the following:
- A letter stating the date you cancelled or attempted to cancel the merchandise/service including the month, day, and year, and reason for cancellation
- A copy of the letter from the merchant confirming the cancellation
- The cancellation number, if applicable
As we did not receive a response, the investigation was closed.
In your recent call on March 25 and in this complaint, you provided information conflicting with your original dispute.
In order to best assist you, we ask that you clarify in writing the nature of your dispute.
- If you gave initial authorization but did not attempt to cancel, as stated during the February 7 call, you will need to contact and work directly with the merchant on this dispute.
- If you are requesting a different type of billing dispute investigation, please provide us with written clarification of what you intended to dispute in your initial call including any supporting documentation.
As a courtesy, we credited four late fees to your account, totaling $156.00 and bringing your balance to $800.64.
We understand you have concerns with the account fees and recognize our cards do not fit everyone's financial situation. By opening a credit card with First PREMIER Bank, you accepted the terms of the account, including accountability for fees and interest. The fees were disclosed to you at the time of application and on the disclosures that came with your credit card.
An annual fee is billed once a year directly to an account to allow flexibility in paying it over time.
A monthly fee is billed for keeping an account open under our credit card program. This fee is charged monthly on the statement date and continues to bill until the account is closed and the balance is less than $20.00.
At this time, we do not offer an autopay program and apologize for any inconvenience. We stopped new enrollments for PREMIER AutoPay in 2020, and your account was un-enrolled from PREMIER AutoPay in September 2023. All payments made since September 2023 were made manually. You were accurately informed of this during your call on February 7.
We hope this information is helpful. If we can be of further assistance or you’d like to discuss payment options, please call us at *************
Sincerely,
Office of the President
Business Communications
PREMIER Bankcard, LLC
** *** ****
Sioux Falls, SD 57117-5114
(crc)
(14695)
PREMIER Bankcard, LLC is a registered Member Service Provider for First PREMIER Bank.Customer Answer
Date: 04/04/2025
Complaint: ********
I am rejecting this response because:initially when we were told about these charges it was a surprise. We thought it was an app with a similar name but it is not. It is a pc game and i dont own a pc and havent used one in many years. Therefore this would not have been a company i authorized any transactions with. Additionally, the fees and other charges have changed since i initially started this account many years ago. So i could not have read all the policies you claim i would have read at the time this account was opened. Finally, i was not aware that you cancelled the autopay but it was a good thing because that is how we found out how much money you have been taking from me for years now. I havent actually used this card for any purchases in a very long time so imagine my surprise when inwas over my limit and hit with penalties for it. We nade a payment arrangement with the understadning that after that we would return to the more resonable 50-60 dollar a month payments but you had us pay just enought to get ot under the limit- knowing it would go back over the likit when the fees were added and then yoi could charge more fees. We do not have any relationship with this vendor and therfor can not contact them and provide infomation you are asking for.
this card is predatory and you refused to cancel charges to an unauthorized vendor despite us notifying you to do so.
Sincerely,
******* *****Business Response
Date: 04/10/2025
Dear ********
Thank you providing clarification regarding the nature of your dispute. We referred your correspondence to our billing disputes department and ask that you allow sufficient time for them to investigate. They will contact you directly when they reach a conclusion or if further information or documentation is needed from you.
Since the account was opened in December 2009, the terms have changed multiple times, and our records confirm we provided change in terms notice to you each time. We confirmed the terms regarding the annual fees and monthly fees have not changed since the account was opened. For further clarification of the terms of your account, please call ************, and we would be happy to review with you.
During your call on February 7, you were accurately informed your total minimum amount due was $625.27; a payment of this amount would’ve brought your account current and the minimum amount due back to its normal amount ($30 or 7% of the balance, whichever is higher). As you made a payment of only $293.00, the account remained past due, causing future monthly amounts due to increase.
We thank you for your patience and appreciate your cooperation regarding this dispute. Please contact us at the number provided above with any additional questions or concerns.
Sincerely,
Office of the President
Business Communications
PREMIER Bankcard, LLC
** *** ****
Sioux Falls, SD 57117-5114
(crc)
(14817)
PREMIER Bankcard, LLC is a registered Member Service Provider for First PREMIER Bank.Initial Complaint
Date:03/25/2025
Type: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 paid off my debt with first premier an faxed a paper to remove the remarks of disputing the account as I am not and I have already paid it. I have called three times and get told the same thing fax a paper and I have. This is hurting my name and my credit. The remark needs to be removed and updated as paid or charges off but not consumer is disputing the account name ******* ***** I don't have the card as it has been charged off and cut it up social is *********Business Response
Date: 03/27/2025
RE: First PREMIER Bank credit card account ending in ****
Dear ********
This is in response to your correspondence in which you requested the dispute mark removed from your credit report.
We sent an update to have the dispute mark removed from your credit report. Please allow adequate time for this update to be made.
This noting of dispute was accurately added to your credit report when we received disputes through the consumer reporting agencies in April 2024. If further disputes are received, the dispute mark will be added back onto your credit report.
Following a thorough review, we confirmed we are accurately reporting the account as charged-off and paid in full for less than the full balance. Charged-off accounts remain on a credit report for approximately seven years, even when settled.
We hope this information is helpful.
Sincerely,
Office of the President
Business Communications
PREMIER Bankcard, LLC
** *** ****
Sioux Falls, SD 57117-5114
(crc)
(14706)
PREMIER Bankcard, LLC is a registered Member Service Provider for First PREMIER Bank.Initial Complaint
Date:03/25/2025
Type: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 am disputing an invalid account reported by {FIRST PREIMER BANK} on my credit report. This account is inaccurate,unverified,and violates the Fair Credit Reporting Act(FCRA).Since it does not meet the legal standards for reporting,I reguest its immediate removal.If the furnisher cannot provide proper validation,it must be delated per federal law.Business Response
Date: 04/01/2025
RE: First PREMIER Bank credit card account ending in ****
Dear *********
This is in response to your complaint in which you requested debt validation.
As the original creditor, First PREMIER Bank is not required to provide debt validation. The application was received over the phone, and no signed contract is available.
Following a thorough review, we confirmed we are accurately reporting. Your complaint did not explain what information you felt was reporting inaccurately. Please identify the specific information you are disputing and provide supporting documentation to the address above.
The account was opened in August 2022 and charged off due to delinquency in January 2024 with a balance of $718.79, which remains today. Charged-off accounts remain on a credit report for approximately seven years, and accurate information is neither changed nor removed early. The consumer reporting agencies remove accounts at the correct time.
We hope this information is helpful.
Sincerely,
Office of the President
Business Communications
PREMIER Bankcard, LLC
** *** ****
Sioux Falls, SD 57117-5114
(crc)
(14717)
PREMIER Bankcard, LLC is a registered Member Service Provider for First PREMIER Bank.Customer Answer
Date: 04/02/2025
Under the FCRA,I have the right to dispute any information that I believe to be incomplete or inaccurate (15 U.S.C.£1681i).The account in question established without documented consumer authorization, falls squarely into the category.Additionally, as required by FCRA guidelines, every item reported must be verifiable and substantiated with acceptable documentation. The lack of such documentation for this telephone initiated account renders the information invalid. Thanks ******** ** ********Initial Complaint
Date:03/24/2025
Type: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 company is inaccurately updating account monthly to my credit report that has been deemed with profit loss and directly reported to the IRS. I requested by mail (12/12/2024) to receive the 1099 and they never responded. I disputed this with Credit Karma and directly with Experian & Equifax and the company refused to remove this item, they updated the account to CLOSED then reset the late date to 4 days late, rather than removing as required by law. This inaccurate reporting has caused me denials of credit, auto loans and higher interest rates. Which is negatively affecting my credit score. Under the FCRA, specifically Section 611, I request that this information is investigated and removed from my credit report within 30 days as required by law. Failure to comply with this request will leave me no choice but to consider legal actions to pursue damages caused by the inaccuracy and resulting in financial harm.Business Response
Date: 03/27/2025
RE: First PREMIER Bank credit card accounts ending in **** and ****
Dear Tyranesha,
This is in response to your complaint where you requested information removed from your credit report.
We previously addressed these concerns in a response through the Better Business Bureau and the Federal Reserve Bank of Minneapolis in March 2025. Attached are copies for your review.
As previously explained, we are accurately reporting the accounts, and we neither change nor remove accurate information from a credit report.
We received disputes through the consumer reporting agencies, and our responses were provided directly to them.
Since you remain liable for the debts of charged-off accounts, Form 1099-C is not required. We have no record of receiving a previous request for Form 1099-C.
If we can be of further assistance, please call us at *************
Sincerely,
Office of the President
Business Communications
PREMIER Bankcard, LLC
** *** ****
Sioux Falls, SD 57117-5114
(crc)
(14694)
PREMIER Bankcard, LLC is a registered Member Service Provider for First PREMIER Bank.
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