ComplaintsforPREMIER Bankcard

• Initial Complaint

  12/02/2021

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  This Company Is A Total ********** Credit Card Company, So Much Deception With This Company. Fraud #1 Send In $** Processes Fee For A Credit Of $***, Fraud #2 Gives You A Totally Different Number To So Call Set-Up Your Pin#, Fraud #3 Now This Number Is Telling You To Call Them Their Not Able To Set-Up Your Pin#, Fraud #4 Ohhh Bye The Way Theirs A Fraudulent Alert On Your Card, Now Mind You Card Has Not Been Used, Ohhh Your Card Has Been Trying To Bye Thing's From ****** 15 Times So We So Called Had To Suspend The Card Instead Of Just Sending Out A New One To You If That's The So Called Case. You Be The Judge.

  

  Business response

  12/23/2021

  Business Response /* (1000, 5, 2021/12/03) */ December 3, 2021 RE: First PREMIER Bank credit card account ending in **** Dear Darnell: We know the suspension of your account is frustrating. This is not the experience we wanted you to have. Thank you for sending in requested documentation to verify your social security number and mailing address. The account was reinstated December 3. We hope you can understand that we have your best interest in mind and want to ensure your account is secure. Sincerely, Office of the President Business Communications PREMIER Bankcard, LLC *********** ************************** (**) (************) PREMIER Bankcard, LLC is a registered Member Service Provider for First PREMIER Bank.

• Initial Complaint

  12/01/2021

  Complaint Type:

  Customer Service Issues

  Status:

  Resolved

  More info

  Paying my bill for the first time and did not know that they had a cut off time of 5pm Central....I literally paid my bill at 5:15 and now being charge a "late fee". so unfair for my first time and trying to pay on time the same day. Spoke with "clift" a representative ************ and ***********.

  

  Business response

  12/10/2021

  Business Response /* (1000, 5, 2021/12/07) */ RE: First PREMIER Bank credit card account ending in **** Dear Lisa: You stated that you were unaware of the payment cutoff time and were billed a late fee. Payments received before 5:00 p.m. Central Time are posted the same day and payments received after this time post the next day. Your $***** payment was completed on December 1 at 5:25 p.m. and posted on December 2. As a courtesy, we credited the $***** late fee. We hope this resolves your concerns. Sincerely, Office of the President Business Communications PREMIER Bankcard, LLC *********** ************************** (**) (************) PREMIER Bankcard, LLC is a registered Member Service Provider for First PREMIER Bank. Consumer Response /* (2000, 7, 2021/12/08) */ (The consumer indicated he/she ACCEPTED the response from the business.)

• Initial Complaint

  11/30/2021

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  First premiere bank is not allowing me to use my first premiere credit protection when paying it monthly, I showed a start date and they refused to give me my monthly payments for the next six months!

  

  Business response

  12/23/2021

  Business Response /* (1000, 5, 2021/12/02) */ December 2, 2021 RE: First PREMIER Bank credit card accounts ending in **** and **** Dear Thomas: Premier Credit Protection (PCP) claims were submitted for both accounts on October 18 and courtesy payments were made. As a customer you must provide a completed activation form and any requested documentation before the benefits are activated. The documentation provided doesn't show the event start date and more information is needed to activate your claims. Letters were sent to the address on this complaint requesting the necessary information. Please provide the requested information and send it to: First PREMIER Bank *********** ************************** Or you can upload the documents online at mypremiercreditcard.com or by using the mobile app. If you have further questions about your PCP benefits, please call us at **************. Sincerely, Office of the President Business Communications PREMIER Bankcard, LLC *********** ************************** (**) (************) PREMIER Bankcard, LLC is a registered Member Service Provider for First PREMIER Bank.

• Initial Complaint

  11/27/2021

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  This organization used my credit and pretending it's theirs and saying I owe them. They are lying saying that they created a loan but really the consumer initiated the credit transaction. I am the original creditor. Every credit transaction a consumers social security card/credit card is used to originate any transaction, therefore, the consumer is the original creditor. They are taking my credit and social security number/ credit card and charging a finance charge for doing the paper work.The finance charge is equal to the amount of the credit that is extended. They stole my information and used it. They put a lien against it and sold it on the stock market. This organization is using my identity and saying I owe them. Clearly providing false, misleading and inaccurate information is in direct violation of federal law. They refused to follow FCRA rules and regulations

  

  Business response

  12/22/2021

  Business Response /* (1000, 8, 2021/12/01) */ December 1, 2021 Dear Alfego, The First PREMIER Bank credit card account ending in **** was opened in January 2016 after receiving an online application. The account was used for several purchases and applicable fees and interest accrued. We stopped receiving payments and determined the debt was unlikely to be collected so it charged off in March 2017 with a balance of $******. The current balance is $******. No further fees or interest are being charged on this account. Charging off an account does not end your obligation to pay. Charged-off accounts are normally removed from the credit report approximately seven years from the charge-off date. The consumer reporting agencies are responsible to remove accounts at the correct time. We know this is not the outcome you want; but hope this information is helpful and you understand our position. Sincerely, Office of the President Business Communications PREMIER Bankcard, LLC *********** ************************** (***) (************) PREMIER Bankcard, LLC is a registered Member Service Provider for First PREMIER Bank.

• Initial Complaint

  11/17/2021

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  They never once mentioned their lack of an auto-payment system and their refusal to accept payments via Debit card when oboarding me. I run a small business that accepts payments via ******, and my funds remain in that account for ease of handling expenses. The account provides a debit card, but no routing and account number. I was just establishing credit and believed that First Premier, like all other issuers, allowed autopay or any payment via debit card. In my first payment attempt, the rep informs they will not accept debit cards nor do they allow autopay, creating great hardship for me to be able to pay without hassle, as I had no other bank account at this time. It took me some time to get back home, as I usually work in satellite locations across the country, and then I was able to gather my documents and create a new account, all of this taking time, which resulted in late payment. Given the great difficulty paying, brought on by their lack of infrastructure or willingness to provide basic services, and their neglecting to mention the lack of these basic services, I ultimately had late payment attributed to my account. In disputing these negative marks, I was met with several ******************, ********** support team members, were of no help in resolving the. The account was ultimately sent into a charge-off state, as regardless of a balance being owed, I now face a greater financial burden as a result of the negative marking than I owed. And when they reached out to me from collections, they had no problem accepting a debit card at that time. I began to make payments towards that balance, as I am a man inclined to pay any and all debts owed in a timely fashion if they are in fact attributed to me. However, in this case, my attempt to responsibly build credit has turned into a nightmare, which has caused me and my business far more financial hardship than any balance owed ($*** +/-), and for that reason, I am actively navigating all means of litigation.

  

  Business response

  12/06/2021

  Business Response /* (1000, 5, 2021/11/19) */ November 19, 2021 Dear Compton, We previously addressed your concerns in our letter dated July 7 that was in response to your complaint filed with the Federal Reserve Bank of Minneapolis. As previously explained, we offer a variety of ways to make your payment. In addition, we offer alert notifications to remind you when your payment due date is approaching. We apologize you were not satisfied with the payment options available to you; however, this does not negate your obligation to pay on this account. Making late payments can have consequences such as late fees and negative credit reporting. The balance on your account is $******. Since your account charged off, there will be no further fees or interest charged. We realize you disagree with our response but hope you understand our position. Sincerely, Office of the President Business Communications PREMIER Bankcard, LLC *********** ************************** (***) (*************) PREMIER Bankcard, LLC is a registered Member Service Provider for First PREMIER Bank.

• Initial Complaint

  11/16/2021

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I find this account to be incorporated with inaccurate information, I strongly believe this to be misleading and misrepresentation of my credit history.

  

  Business response

  12/03/2021

  Business Response /* (1000, 5, 2021/11/17) */ November 17, 2021 Dear Robert: The First PREMIER Bank credit card account ending in **** was opened in March 2016. We stopped receiving payments and determined the debt was unlikely to be collected, so the account charged off in March 2017 with a balance of $******, which remains the same today. Charged-off accounts normally remain on the credit report approximately seven years from the date of charge-off. Information that is reporting accurately is not changed or removed. If you feel that there is incorrect information on your current credit report, please provide: 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 - such as a current credit report You can send this information directly to the address below and we will be happy to review. Sincerely, Office of the President Business Communications PREMIER Bankcard, LLC *********** ************************** (**) (************) PREMIER Bankcard, LLC is a registered Member Service Provider for First PREMIER Bank.

• Initial Complaint

  11/15/2021

  Complaint Type:

  Customer Service Issues

  Status:

  Resolved

  More info

  First premier have yet to verify with ME, that the quantity of debt was mine for a credit card 4-5 years ago (charged off since then and completely paid in full). I disputed with credit agencies and First premier never really followed up with me. First PREMIER Bank ****************** ********************* Thanks

  

  Business response

  12/03/2021

  Business Response /* (1000, 5, 2021/11/16) */ November 16, 2021 RE: First PREMIER Bank credit card account ending in **** Dear Amit: First PREMIER Bank is the original creditor and not required to provide verification of debt. The account was opened in September 2017 after receiving an online application. Due to the method of application, there is no signed application available. We last received a dispute from a consumer reporting agency in June 2020 and responded directly to them. The account charged off in March 2018 with a balance of $****** and was later paid in full in in August 2018. Charged-off accounts are normally removed from the credit report approximately seven years from the charge-off date, even when paid. The consumer reporting agencies are responsible to remove accounts at the correct time. If you feel that there is incorrect information on your credit report, 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 This information can be sent to my attention at the address listed below. We hope this information is helpful. Sincerely, Office of the President Business Communications PREMIER Bankcard, LLC *********** ************************** (***) (************) PREMIER Bankcard, LLC is a registered Member Service Provider for First PREMIER Bank. Consumer Response /* (3000, 7, 2021/11/21) */ (The consumer indicated he/she DID NOT accept the response from the business.) Riddled with problems, some of which are mentioned below: I have documentation to prove that they are inconsistent 1. The quantity of debt and the time of closure mentioned had several inconsistencies on how they were reported 2. Last payment in equifax Aug 1 2018 where as in Transunion its August 29 2018 3. No closing date on Equifax where as times 30/60/90 days late either not updated or wrongly updated in Transunion and Equifax 4. No closing date in Experian 5. Different remarks in all credit unions Business Response /* (4000, 9, 2021/11/23) */ November 23, 2021 RE: First PREMIER Bank credit card account ending in **** Dear Amit: We confirmed that we are accurately reporting this account. We report the very same information to the consumer reporting agencies, 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. If you have additional questions or concerns, please contact the consumer reporting agencies directly. This account will continue to report until the credit reporting time limit is up, approximately seven years from the date of charge-off. Sincerely, Office of the President Business Communications PREMIER Bankcard, LLC *********** ************************** (**) (*************) PREMIER Bankcard, LLC is a registered Member Service Provider for First PREMIER Bank. Consumer Response /* (2000, 11, 2021/11/29) */ (The consumer indicated he/she ACCEPTED the response from the business.)

• Initial Complaint

  11/13/2021

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  So I talked to customer service and was makeing payments on my credit card and it was during covid time so I was was not working and then they put me on a program to make payments which I agreed and then said when I get to a zero balance I would have my eligible credit again and when I called they said my account was closed I feel like they took advantage and lied and was not honest and I want them to know that thank you for your help and understanding. Belal *******

  

  Business response

  12/03/2021

  Business Response /* (1000, 5, 2021/11/16) */ November 16, 2021 RE: First PREMIER Bank credit card accounts ending in **** and **** Dear Belal, Your accounts listed above were closed at our discretion on July 28, 2020. It is our standard process to close an account after receiving two return payments within 90 days. Due to the length of time the accounts have been closed; they are not eligible to be reopened. We reviewed your phone conversations when your accounts were set-up on the Temporary Payment Program and verified you were provided accurate information. The associates explained as payments were made the delinquency would be reduced but they did not say the account would be reopened or that you would have access to the account. If you can provide the name of the associate that told you differently and the date of the call, we would be happy to review this further. The balance on the account ending in **** is $****** with a minimum payment of $***** due by December 10. The account ending in **** has a zero balance. We know this is not the answer you wanted but hope you can understand our position. Sincerely, Office of the President Business Communications PREMIER Bankcard, LLC *********** ************************** (***) The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant's income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning this creditor is the Federal Reserve Bank of Minneapolis. You may contact them at: Federal Reserve Consumer Help, P.O. Box 1200, Minneapolis, MN 55480. Toll-free: (888) 851-1920, Fax: (877) 888-2520, TDD: (877) 766-8533 (************) PREMIER Bankcard, LLC is a registered Member Service Provider for First PREMIER Bank.

• Initial Complaint

  11/12/2021

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  I received a pre approval letter from them that I would get a ****** credit limit, and after 6 on time payments I would get a ****** credit limit increase. I even got an email in May saying that I was halfway there. 6 months of on time payments was September, never got it. Waited to see if it would come in October and nothing. I was told I would have to apply for the increase after taking to someone there. Only reason I took out this card was because of the promised increase from the letter.

  

  Business response

  12/03/2021

  Business Response /* (1000, 5, 2021/11/16) */ November 16, 2021 Dear Doug: Your First PREMIER Bank credit card account ending in **** was opened in November 2020. The offer required you to pay a $***** program fee and you were approved for a credit limit of $******. We consider credit limit increase eligibility upon request, after you've been with us for 13 months and have kept your account in good standing. The criteria used to approve an application and the criteria used to approve a credit limit increase are not the same. Many factors are considered when processing a credit limit increase. We cannot guarantee an increase or predetermine the amount an increase will be. If you are able to provide the documentation of the original offer and credit limit increase e-mail notification you received, we would be happy to review it. Credit limit increases can be requested at any time at www.mypremiercreditcard.com or by calling Customer Service at **************. Thank you for being a valued customer and we hope this letter addresses your concerns. Sincerely, Office of the President Business Communications PREMIER Bankcard, LLC *********** ************************** (**) (************) The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant's income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning this creditor is the Federal Reserve Bank of Minneapolis. You may contact them at: Federal Reserve Consumer Help, P.O. Box 1200, Minneapolis, MN 55480. Toll-free: (888) 851-1920, Fax: (877) 888-2520, TDD: (877) 766-8533 PREMIER Bankcard, LLC is a registered Member Service Provider for First PREMIER Bank.

• Initial Complaint

  11/12/2021

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I have been a customer with Premier Bank Credit Card for over * years now with 2 lines of credit. I went online in September of this year to update my personal checking account information to process my monthly payments as I have done during my entire duration of being a customer. I received an email stating that I broke a payment arraignment in which I never made to begin with due to my payments being made every month. I contacted Customer Service and they had the wrong bank information on file and have closed both my card accounts which has effected my hard work of building my credit up to begin with. Not only were they ****, they didn't have any type of empathy of the situation even after the longevity of my time with them. Besides the outrageous interest rates, people have to build credit in order to have credit and I am beyond upset and frustrated that the past few years was a waste of time and money!

  

  Business response

  12/03/2021

  Business Response /* (1000, 5, 2021/11/16) */ November 16, 2021 RE: First PREMIER Bank credit card accounts ending in **** and **** Dear Mellissa: We closed both accounts in October as a result of multiple returned payments. The following payments were made online to the account ending in **** and returned because of insufficient funds: 1. 9/24 - $***** - **************** account ending in **** 2. 10/17 - $***** - **************** account ending in **** The following payments were made online to the account ending in **** and returned because of insufficient funds: 1. 9/9 - $***** - *********************** account ending in **** 2. 9/24 - $***** - **************** account ending in **** 3. 10/9 - $***** - **************** account ending in **** It is our normal practice to close an account if there are two or more returned payments within 90 days. If you have documentation from your bank that these payments were returned in error, please provide it to us and we can review. First PREMIER Bank is committed to correctly reporting account details to the consumer reporting agencies and we do not change or remove accurate information. We know this is not the answer you want but hope you can understand our commitment to accurate credit reporting. Sincerely, Office of the President Business Communications PREMIER Bankcard, LLC *********** ************************** (**) (************) PREMIER Bankcard, LLC is a registered Member Service Provider for First PREMIER Bank.

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