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Complaint Details
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Initial Complaint
07/11/2024
- Complaint Type:
- Billing Issues
- Status:
- Resolved
I closed a pre paid credit card account and they sent me a bad check for the amount of 200 dollars which was the amount owed to me. The check bounced. I have been 4 months trying to get my money back from this company
Business response
07/16/2024
RE: First PREMIER Bank credit card account ending in ****
Dear ********,
We are responding to your complaint regarding a refund check.
Your secured credit card account was opened in January 2023 and closed at your request on April 26, 2024.
On May 21, a refund check for the $200.00 security deposit was mailed to ** ******** **** ** *********** Ohio 45680. When we spoke with you on June 11, you informed us you had not received the refund yet, so our associate referred this to the correct department for further review.
After further review, because the original check wasn’t cashed within 30 days, we stopped payment on check #***********, and issued a new check on June 24 to the same address.
Please let us know at ****************@premierbankcard.com if you still have not received this check and we will send an early replacement.
We are sorry for the frustrating experience and hope this information is helpful.
Sincerely,
Office of the President
Business Communications
PREMIER Bankcard, LLC
PO Box 5114
Sioux Falls, SD 57117-5114
(AE)
(12821)
PREMIER Bankcard, LLC is a registered Member Service Provider for First PREMIER Bank.Customer response
07/16/2024
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
07/01/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
Company Name: First Premier Bank Account Number: ************ ********** This is to notify you of another unauthorized account opened under my name on September 8, 2022. Like the first, I did not authorize or consent to the opening of this account. Desired Outcome: I demand the immediate closure of this account, the removal of all records from my credit profile, and confirmation of these changes in writing.Business response
07/03/2024
*** ***** ******* **** ****** **** ******** ****** ** **** *** **** **** *********
We are responding to your concerns about the above accounts.
This is our first notification of your claim of identity fraud, 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 assist Security with the investigation, please provide the following information:
* ********* ******** ***** ********* ******************************** * ******* ***** *** *** ***** **** ***** ******** *** *** ** *********** * ***** ** **** ******* ** *** **** *** ******** **** ****** * ********** ************** **** ** * ****** ****** * ******* *** *** ****** ***** **** ****** ** *** ******* ****** ** *** ********* ******* **** ********* ****** **** *** ********* *********** *** ***** ******* **** ***** ******** ********** ** *** **** ***** ****** ** ********** **** ********** ** *** ************** *** ******** **** ** ******** *** ******** ********** ** **** ****** ******* ** **** **** ******** ** ******** ********** ****** ** *** ********* ******** ************** ******* ********* *** ** *** **** ***** ****** ** ********** ***** ******* ******* ********* *** ** * ********** ****** ******* ******** *** ***** ******* *****Initial Complaint
06/26/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
I have been trying to get my 1099 for cancelation of debt. Since it was a charge of the debt has turned into taxable income and should have been cancelled. Instead first premier is charging off my account and still trying to collect . This needs to be removedBusiness response
07/01/2024
First PREMIER Bank credit card account ending in ****
Dear *****:
We are responding to your concerns about the above account.
Your account charged off in March 2022 after we stopped receiving payments. The debt has been canceled or discharged, and you remain liable for it, so Form 1099-C is not required. For more information on Form 1099-C, please visit www.IRS.gov/**********************1099-c.
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.
If you have any concerns about collection efforts or wish to request a cease and desist, please reply to this complaint, or contact Customer Service at ###-###-####.
We hope this response is helpful.
Sincerely,
Office of the President
Business Communications
PREMIER Bankcard, LLC
PO Box 5114
Sioux Falls, SD 57117-5114
(crc)
*******
PREMIER Bankcard, LLC is a registered Member Service Provider for First PREMIER Bank.Initial Complaint
06/25/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
This letter is to inform you that I am disputing your company’s references on my credit report regarding to account 517800XXXXXXbecause of the lack of completeness and accuracy. I recently disputed this account with the credit reporting bureaus, and the information was reported as verified and accurate, but this cannot be true when there are clear errors such as inconsistent payment history (see attached). I am disputing the following information directly with you, the furnisher of information, and I am requesting that you send me all paperwork you have on this account so I can review the accuracy of your reporting. I am having questions due to the balance due being higher than the actual credit limit. I also need validation on the correct payment history being that Transunion does not report any payment history and Equifax and Experian is not cohesive. Being that the CRA's are required to furnish information received from creditors, it is your responsibility to make sure accurate information is reporting to consumers credit report and if not, this is negligence on your behalf, and I can take legal action. In accordance with FCRA,15 U.S. Code § 1681e(b) Compliance procedures I am requesting this information to review for completeness and accuracy and appropriateness. If you fail to comply with this request and send all documentations to say these items are 100% accurate you will be held liable under 15 U.S. Code § 1681n and 15 U.S. Code § 1681o Civil liability for negligent noncompliance. If you’re unable to perform a reasonable investigation, or you’re unable to locate the necessary documents to investigate my dispute(s); then you are required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account. If I do not receive a response, I will have no choice but to exercise my right under FRCA and pursue legal action.Customer response
06/26/2024
Please proceed, I authorized this complaint.Business response
07/02/2024
First PREMIER Bank credit card accounts ending in **** and ****
Dear ********:
We are responding to your concerns regarding credit reporting.
Following a thorough review, we confirmed both accounts are accurately reporting to the consumer reporting agencies.
Although we provide the same information to each agency, slight discrepancies are expected on their individual reports. Please contact them directly with questions on how your information is reflected.
The accounts were opened in July 2020 (2964) and July 2022 ****** and charged off due to delinquency in October 2023 with balance of $523.12 (2964) and September 2023 with a balance of $1,014.15 *******
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.
We hope this response is helpful.
Sincerely,
Office of the President
Business Communications
PREMIER Bankcard, LLC
PO Box 5114
Sioux Falls, SD 57117-5114
(crc)
(12764)
PREMIER Bankcard, LLC is a registered Member Service Provider for First PREMIER Bank.Initial Complaint
06/13/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
I have been off work since February. I have communicated that to first premier. I have no money and can not pay but will once I start getting an income. This was noted in account. In addition I requested they stop the multiple calls I receive from them throughout the day. The calls stopped for a while yet they have returned. I am now receiving upwards of 15 calls a day. All of them hang up once I answer or screen the call. The area codes are from different states. This is harassment. It is a violation of the law. It is out of control and needs to be stopped. I am not the first customer this has happened to and it's ridiculous. Now I understand I am delinquent in my accounts for the first time in approximately 7 years, but I have always paid my bills. I had planned on paying next month. Yet now I don't know if I really have to due to the unethical business practices.Business response
06/14/2024
First PREMIER Bank credit card accounts ending in **** and ****
Dear ****:
We are responding to your concerns about the above accounts.
After reviewing all calls made on the accounts in the last year, we confirmed a verbal cease and desist was requested and processed on March 13. Our records confirm no collection efforts have been made since.
Our records indicate calls were made correctly according to our normal business practices, and no billing adjustments are due. We attempted to contact you to bring the account ending in **** current. We sometimes may try to contact you several times a day, and our records indicate we did not attempt more than four attempts on any day. All calls from us were from area code 605 in South Dakota.
The accounts were opened in July 2018 (3827) and January 2020 ******. We stopped receiving payments, so they charged off in May 2024 with a balance of 1,033.16 ****** and June 2024 with a balance of $1,237.16 ******.
Charging off an account does not end your obligation to pay. No further fees or interest will be charged, and you will no longer receive monthly statements.
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
(crc)
*******
PREMIER Bankcard, LLC is a registered Member Service Provider for First PREMIER Bank.Initial Complaint
06/11/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
I recently mistakenly applied for a credit card at Premier Bank, but I don’t have an account with them unfortunately because I’m not one of the customers at Premier Bank which I’m not planning on it in the future, I contacted Premier Bank to close/cancel my credit card I mistakenly applied for and for a full refund, the lady I spoke to claimed that she couldn’t close/cancel my credit card or give me a full refund because I am not one of the customers at Premier Bank and I don’t have an account with them, so I was unable to cancel/close my credit card I mistakenly applied for and I was unable to get a full refund unfortunately.Business response
06/13/2024
Dear *******
An online secured credit card application was received with your personal information on April 26. On May 31, a $25.00 payment was made towards the security deposit from a debit card ending in ****.
Upon receipt of your complaint, the application was cancelled, and the $25.00 payment was requested for refund. Please allow up to seven business days for the refund to be returned to the debit card it was received from.
We are sorry you had a negative service experience. We were unable to locate the phone call mentioned in your complaint, please send more details about the call if you would like us to research further.
Thank you for reaching out to us.
Sincerely,
Office of the President
Business Communications
PREMIER Bankcard, LLC
PO Box 5114
Sioux Falls, SD 57117-5114
(HLL)
(12684)
PREMIER Bankcard, LLC is a registered Member Service Provider for First PREMIER Bank.Initial Complaint
06/06/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
Correction to my credit report. I demand this account be removed from my credit report.Business response
06/10/2024
First PREMIER Bank credit card account ending in ****
Dear *******:
We are responding to your concerns about the above account.
You do not have an option to stop creditors from reporting your accounts to the consumer reporting agencies. Please review our current privacy notice at: PrivacyNotice.pdf (***********************).
The account was opened in February 2023 after receiving an online application. We did not receive any payments, so it charged off in August 2023 with a balance of $1,016.46, which you remain responsible for.
Charged-off accounts are normally removed from the credit report approximately seven years after the charge-off date. Accurate information is neither changed nor removed early.
We know this is not the answer you are looking for but hope you can understand our commitment to accurate credit reporting.
Sincerely,
Office of the President
Business Communications
PREMIER Bankcard, LLC
PO Box 5114
Sioux Falls, SD 57117-5114
(crc)
*******
PREMIER Bankcard, LLC is a registered Member Service Provider for First PREMIER Bank.Initial Complaint
06/02/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
Name: ****** ******* Address: **** ******** ** new port richey fl 34653 DOB: ********** Last 4 of SSN: **** Date: 6/2/2024 Bureau Name: Transunion Bureau Address: P.O. Box 2000 Chester, PA 19016-2000 Recently, I did an investigation on my credit report and found several items on there to be inaccurate Under 15 U.S. Code 1681e (b) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i(5) Treatment of inaccurate or unverifiable information (A) in general if, after any reinvestigation under paragraph (1) of any information disputed by a consumer, and item of the information is found to be inaccurate or incomplete or cannot be verified , the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item of information , as appropriate , based on the results of the reinvestigation; and ii) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately: Account: FST PREMIER Account #517800********** This account being reported inaccurate , please removed this from my credit report immediatelyBusiness response
06/03/2024
RE: First PREMIER Bank credit card account ending in ****
Dear ******:
We are responding to your concerns about credit reporting.
Following a thorough review, we confirmed we are reporting accurately to the consumer reporting agencies.
The account was opened in May 2021 after receiving an online application. We received three payments and determined the debt was unlikely to be collected, so it charged off in July 2022 with a balance of $669.46, which remains today.
Charged-off accounts are removed from the credit report approximately seven years after the charge-off date. It is the responsibility of the consumer reporting agencies to remove accounts at the correct time. Accurate information is neither changed nor removed early.
You stated this account was reporting inaccurately on your current credit report but did not explain why. Please provide more information for us to investigate:
- Specific information you are disputing
- A detailed explanation on why you feel the information is incorrect
- Any supporting documentation to validate why it is not accurate
Please send the requested information to:
First PREMIER Bank
Attn: Correspondence
PO Box 5524
Sioux Falls, SD 57117-5524
We hope this response is helpful and appreciate your cooperation in providing us with the requested information.
Sincerely,
Office of the President
Business Communications
PREMIER Bankcard, LLC
PO Box 5114
Sioux Falls, SD 57117-5114
(crc)
(12645)
PREMIER Bankcard, LLC is a registered Member Service Provider for First PREMIER Bank.Business response
06/05/2024
Dear ******:
We have no association with *** Collections.
Debt validation is only required of debt collectors. First PREMIER Bank is the original creditor, not a debt collector. The account was opened after receiving an application online, and no signed contract is available.
As previously explained, we confirmed we are accurately reporting to the consumer reporting agencies. Accurate information is neither changed nor removed early.
We hope this response is helpful.
Sincerely,
Office of the President
Business Communications
PREMIER Bankcard, LLC
PO Box 5114
Sioux Falls, SD 57117-5114
(crc)
(12654)
PREMIER Bankcard, LLC is a registered Member Service Provider for First PREMIER Bank.Customer response
06/06/2024
I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score (FST PREMIER , account# 517800**********
In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI,
Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.Initial Complaint
05/28/2024
- Complaint Type:
- Billing Issues
- Status:
- Resolved
They never verified any debt they just responded with "Yep, that's your account, dispute resolved." … they never verified any information about the account so I wanted first premier account to be DELETED from my credit report.Business response
05/28/2024
RE: First PREMIER Bank credit card account ending in ****
Dear *******:
We are responding to your request for validation and your claim of identify fraud.
Debt validation is only required of debt collectors. First PREMIER Bank is the original creditor, not a debt collector. As a courtesy we are providing an account overview.
The account was opened in July 2020 after receiving an online application with your personal information, and there is no signed contract available. We stopped receiving payments and determined the debt was unlikely to be collected, so it charged off in March 2022 with a balance of $604.44, which remains today.
This is our first notification of fraud, 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 assist them with the investigation, please provide the following information:
- Completed identity theft affidavit ********************************
- Details about how you think this fraud occurred and who is responsible
- Proof of your address at the time the account was opened
Please send the requested information to:
First PREMIER Bank
Attn: Security Department
PO Box 5524
Sioux Falls, SD 57117-5524
Upon completion of the investigation, the account will be reviewed for possible adjustment to your credit report.
We appreciate your cooperation in providing us with the requested information.
Sincerely,
Office of the President
Business Communications
PREMIER Bankcard, LLC
PO Box 5114
Sioux Falls, SD 57117-5114
(crc)
(12621)
PREMIER Bankcard, LLC is a registered Member Service Provider for First PREMIER Bank.Business response
05/31/2024
Dear *******:
Our Security department investigated your claim of fraud and found you not liable for the account ending in **** on May 30. Please allow up to 45 days for the account to be deleted from your credit report.
We apologize for any inconvenience 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
PO Box 5114
Sioux Falls, SD 57117-5114
(crc)
(12634)
PREMIER Bankcard, LLC is a registered Member Service Provider for First PREMIER Bank.Customer response
06/06/2024
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
05/26/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
premier bank platinum Dana L Megargee credit limit $700 5178 0069 3431 5401 08/26 182 / 5178 0081 2497 9822 01/27 458. I had an online account I only got one paper bill in the mail it had over 32 charges on the first card that were not mine I called to dispute it they shut it off and sent me a new card with the fraudulent balance I paused my card online by locking it with the old card and the new card and still they made me make payments so I did and while the card was locked it was still used the new one I paid over three grand in charges that weren't mine the last payment I made was $809 they marked my credit saying I had late payment I disputed it they found it fraudulent again. it got removed from my credit and so did the card says I never had one ever they deleted my accounts after they sent me the new card they deleted the old account and all the fraudulents charges and I'm completely locked out of the account and it says I've never had these cards now. I disputed through Experian and credit karma how do I get paid back for the money I paid that was fraud.Business response
05/30/2024
Dear *****
You expressed concern with being locked out of your account after disputing it and requested a refund of the money you paid on charges that were fraudulent.
Below we are providing an account summary, followed by the additional information you need to provide to review for a refund.
A First PREMIER Bank credit card account ending in **** was opened in your name after receiving an online application in August 2023. The first statement was mailed to the address on the account. Each statement after was provided online; an email notification was sent to ************GMAIL.COM when the statement was available to be viewed.
On January 18, you reported fraudulent charges on the account, so it was reported lost/stolen. A new account number ending in **** was established and all information was transferred.
When we spoke with you on February 2, you stated all charges from ******NET, *****LRM.COM and ********.COM were fraudulent. You were found not liable and all charges from these merchants were reversed, totaling $221.55.
On April 1, we received a fraud application claim through a consumer reporting agency. Upon completion of our investigation, you were found not liable for the account. The account was permanently closed and a request was submitted to delete it from your credit report. Since you are not liable for the account, you will no longer have access to it online.
Please provide proof of the payments you are requesting a refund for, by sending the following:
Proof of Payment: A copy (front and back) of a money order or check receipt or bank statement with bank letterhead that includes your name and account number
Proof of Identity: A clear copy of a driver’s license or other picture identification with signature for yourself
This information can be sent to:
First PREMIER Bank
Attn: Security Department
PO Box 5524
Sioux Falls, SD 57117
We hope this information is helpful and addresses your concern. If we can be of further assistance, please contact Customer Service at ###-###-####.
Sincerely,
Office of the President
Business Communications
PREMIER Bankcard, LLC
PO Box 5114
Sioux Falls, SD 57117-5114
(HLL)
(12620)
PREMIER Bankcard, LLC is a registered Member Service Provider for First PREMIER Bank.
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Customer Complaints Summary
1,176 total complaints in the last 3 years.
338 complaints closed in the last 12 months.