ComplaintsforPREMIER Bankcard

• Initial Complaint

  11/01/2021

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I paid my account in full last week and asked the rep for a pay to delete and he said ok. I called today to request that and the rep who answered said that she wasn't able to because company policy doesn't allow. The rep was ********* and basically said they where going to mess with my credit to show negative credit score. That's why that don't issue pay to delete to customers.

  

  Business response

  12/01/2021

  Business Response /* (1000, 5, 2021/11/05) */ November 5, 2021 Dear Howard: It would be unfair of us to delete your account from the consumer reporting agencies as it is important for your credit report to correctly reflect the history of your account. This ensures fairness in the credit reporting system. The call recording was reviewed, and we confirmed that accurate information was provided. 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 *********** ************************** (**) (************) PREMIER Bankcard, LLC is a registered Member Service Provider for First PREMIER Bank. 74237943p Consumer Response /* (3000, 7, 2021/11/05) */ (The consumer indicated he/she DID NOT accept the response from the business.) Unfair or not. That is not a excuse. Your rep told me yes and that is why I paid in full. If not then I would have just done a settlement and NOT pay in full. Your rep should have been more truthful. You stated that now this is company policy. Which one is it? You can't play the round about game. If this doesn't get resolved I will reach out to my bank and file a claim of basic fraud. You guys lied and know are looking for a way to cover yourselves. Business Response /* (4000, 9, 2021/11/11) */ Dear Howard: We reviewed the phone call and confirmed that our associate correctly informed you how the account would report to the consumer reporting agencies.

• Initial Complaint

  10/27/2021

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I had a credit card with First Premier that I paid off sometime ago. When the account was open the company made it very difficult to make payments. Either the website was down or the automated system was often not working which led me to them counting payments late. As I stated the account is paid in full and no longer open. The late payments on my credit report are significantly impacting my credit and making it impossible to refinance my home. ************************************************************************************************************************************** Please remove the late payments from my credit report please.

  

  Business response

  11/12/2021

  Business Response /* (1000, 5, 2021/10/28) */ October 28, 2021 RE: First PREMIER Bank credit card account ending in **** Dear Shataria: You stated that we made it difficult for you to make payments and asked that we correct the late payments on this account. If we do not receive at least the minimum payment for two or more due dates in a row, an account reports as delinquent. We have no record of receiving any payments between February 10, 2019 and June 5, 2019. We do not remove accurate information from a credit. It is important for your credit report to correctly reflect the history of this account. This ensures fairness in the credit reporting system. First PREMIER Bank offers our customers a wide variety of options to make payments. We know this is not the outcome you were wanting, but we hope you can respect our commitment to providing 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.

• Initial Complaint

  10/27/2021

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  FIRST PREMIER HAS BEEN REQUESTED MULTIPLE TIMES THROUGH MAILING LETTERS TO *******************, ********************* AND MULTIPLE DISPUTES THROUGH THE CREDIT BUREAUS THAT THIS ACCOUNT WAS OPENED FRAUDULENTLY AND THIS IS NOT MY ACCOUNT. ON MY CREDIT REPORTS IT SHOWS ACCOUNT OPEND 11/2017 FOR A CREDIT CARD LIMIT AMOUNT $***. SHOWS ACCOUNT CLOSED MARCH 2018. I HAVE BEEN DEALING WITH THIS FOR MANY YEARS AND I CAN'T GET A VALIDATION ON THIS ACCOUNT! I HAVE JUST FORWARDED COMPLAINTS TO CONSUMER FINANCIAL PROTECTION AND ATTORNEY GENERALS OFFICE. I WILL CONTINUE YOU FIGHT THIS FIGHT WHEN I DID NOT OPEN AND ACCOUNT WITH THIS COMPANY. CREDIT REPORT SHOWS ACCOUNT NUMBER AS ************ THIS IS A FRAUD ACCOUNT

  

  Business response

  11/17/2021

  Business Response /* (1000, 5, 2021/11/02) */ November 2, 2021 Dear April: You stated that you did not open up a First PREMIER Bank credit card account and asked that to be deleted. First PREMIER Bank is the original creditor and we are not required to provide verification of debt. We previously investigated and found you liable as the account information verified as belonging to you. Please provide us with the following: Completed identity theft affidavit (https://www.identitytheft.gov/)) Details about how you think this fraud occurred and who is responsible Explanation of your connection to the account information Supporting documentation, such as a police report - if available Proof of your address at the time of application in November 2017 This can be sent directly to: First PREMIER Bank Attn: Security Department *********** ************************** Once we receive the documentation, please allow up to 30 days for us to review and investigate your fraud claim. Thank you in advance for your cooperation. 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

  10/26/2021

  Complaint Type:

  Sales and Advertising Issues

  Status:

  Answered

  More info

  10/25/2021 I received in the mail a credit card from First Premier Bank which I did not apply for. It was a $*** credit limit and it states that initial fees of $** and first payment due $**. In addition the card was sent by the mail active! I tried several times last evening calling the 800 number and got no resolution. I ended up calling the retail banking side and the representative just told me that she could not help me and transferred me back to the automated 800 number. This morning I tried again the retail number and got Janet who fortunately helped me by cancelling card. I wish to understand who applied for this and where did they get this information and how can a business be so irresponsible in sending an active card, with out my signature and attempting to force a **% APR card on me.

  

  Business response

  11/12/2021

  Business Response /* (1000, 5, 2021/10/28) */ October 28, 2021 RE: First PREMIER Bank credit card ending in **** Dear Francois: We confirmed that we spoke with you on October 26 and the above account was closed as a fraudulent application. Please allow approximately 30 days for the account to be deleted from your credit reports. We apologize for the inconvenience you experienced. 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

  10/23/2021

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I have had my credit card payments paid through online banking since 2016. Several months ago it stopped accepting any payments online telling me to call. I was on automatic payments for years. All of the sudden they stopped accepting my payments, calling and harrassing me all the time. I called in a made my payments for a few months but they have been charging me alot of extra charges and then now allowing me to make my payments. This is rediculous. I told them that when they fixed their site I would continue making me payments but I am not going to call everymonth and sit on hold to make payments just to be forced to pay all the fees at the same time. *************************************************************** They should have to pay me every month to call in and make payments. I need a full accounting of my account and I need them to stop reporting late payments to the credit bureaus and fix the site in which I signed up to be able to make payments through. While you are at it I would like the electronic agreement from 2016 showing what we both agreed to in the way of making payments.

  

  Business response

  11/17/2021

  Business Response /* (1000, 5, 2021/11/02) */ November 2, 2021 RE: First PREMIER Bank credit card accounts ending in **** and **** Dear Joseph: We apologize for your frustrating experience with online payments. Your account ending in **** was enrolled in PREMIER Pay online in May 2017 using your ************** checking account ending in ****. In June 2021, you notified us that you switched your checking account and your PREMIER Pay was cancelled since we were no longer accepting modifications to this payment program. A letter of explanation was sent to you on June 10. Due to the method enrollment, there is no signed agreement to provide you. In May, two payments were submitted online to both credit card accounts using the ************************* checking account ending in ****. These payments were returned by your bank as unable to locate. It appears the checking account number was keyed incorrectly. Due to the return payments, a block was placed on this bank to prevent it from being used for payments. The block has been removed and you can now use the ************************* checking account ending in **** for online payments. You can now re-enter this account online, please be sure to double check the bank routing and account numbers to avoid further issues. We understand that you are frustrated with not being able to make your payments online, but please understand that we offer several ways to make payments. It is your responsibility to make at least the minimum payment each month there is an outstanding balance due. Making late payments can have consequences such as late fees and negative credit reporting. If we do not receive at least the minimum payment for two or more due dates in a row, an account reports as delinquent. A complete list of payment options is available online under "Help/ Payment Options". We do not charge a fee to process a payment over the phone. You can view the previous three billing statements online to review the recent charges to these accounts. As a courtesy, a $***** late fee was credited on each account. The account ending in **** has a balance of $******** with a total minimum payment of $****** due by November 5. The account ending in **** has a balance of $******** with a total minimum payment of $****** due by November 18. If you continue to have issues processing payments online, please contact me directly at ************ ext. ****. 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.

• Initial Complaint

  10/19/2021

  Complaint Type:

  Sales and Advertising Issues

  Status:

  Answered

  More info

  I borrowed money to pay off credit cards in Aug. 2021 and a letter asking them to close account. Well, they wait until I got the monthly charge and then closes the account with a charge. I have copies of the documents I signed. I don't owe what They are saying

  

  Business response

  11/12/2021

  Business Response /* (1000, 5, 2021/10/22) */ October 22, 2021 RE: First PREMIER Bank credit card accounts Dear Mary: You expressed concern regarding your account not being closed in a timely manner and being billed monthly charges. Summary of account ending in ****: On August 24, we received a payment of $******. On August 27, the account was closed. Since the account was closed within 34 days of the annual fee billing, the $***** was automatically credited. Since this account was enrolled in automatic payments, a $***** payment posted September 5. This created a credit balance of $*****, and a refund check was sent to you on September 14. Summary of account ending in ****: The balance on your August 18 statement was $******. On August 24, we received a payment of $******. On August 27, the account was closed. Since the account was not paid in full, fees continued to accrue. Upon receipt of your correspondence and in goodwill, we reduced the balance to zero. We hope this letter addresses 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.

• Initial Complaint

  10/18/2021

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  My only issue is how my possible fraudulent charges case was not properly taken care of? I would like to believe since I had the protection you would cancel and issue a new card? It was over $*** that was charged and I only had a $*** limit? I didn't do it or authorize it? Dropped my wallet at the store it happened and it was turned into to the store after it was used? This was done on May 2nd 2021 I believe? I had the mobile app in which never sent notifications to me no matter how many times I tried setting it up? Either way they denied I being fraudulent and I sent the affidavit. I wasnt receiving notifications and I didn't even realize they sent something about verifying my personal info. I got a letter from them stating that they had closed my account due to me not seeing the notification in the app? I even paid my card balance down to $0 when I didn't spend it? I don't understand why they would do this but they had no problem taking my payment even though I had not confirmed my

  

  Business response

  11/12/2021

  Business Response /* (1000, 5, 2021/10/21) */ October 21, 2021 Dear Brandon, Your First PREMIER Bank credit card account ending in **** was suspended in July 2021 because we received a credit report dispute from a consumer reporting agency. In response to this dispute, we sent a letter of explanation to you requesting address and social security number (SSN) verification. We received your fax disputing the ******** charges on May 5 as fraudulent so a lost/stolen report was processed. A new account number ending in **** was established and all account information was transferred. You were found liable for the ******** charges because the Personal Identification Number (PIN) was used to complete these transactions. The PIN was requested from a phone number associated with your account. The account was closed by us on July 29 because we had not received the requested verification. On August 6, we received your address and SSN verification; however, additional information was needed to review your account for reopen. A letter of explanation was sent to you via email on August 9 requesting your debt to income information. If you would like to have your account reviewed for reopen, please call our Customer Service Department at ************ by October 26. We do not have record of you enrolling your account for alert notifications. Your account is enrolled for online access, including e-statements, with the email address of ************************. Your account is enrolled in PREMIER Credit Protection (PCP). PCP is an optional benefit and can assist customers by making the minimum monthly payment during a qualifying event. If you have questions regarding PCP, please call us at the phone number listed above. 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

  10/18/2021

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  I was hospitalized **************************************. ********** contacted me numerous times and I explained the situation and asked them to put a hold on my account until I was released from the hospital and returned to work as my account has always been in good standing, but being hospitalized was out of my control. I asked that they stop calling me regarding payment as I would make my payments in November when I was back to work and able to get back on my feet financially. They continue to call daily, made a negative report on my credit, have added late fees **************************************** and I need this issue addressed as it has become a nuisance and I am ready to cancel both credit cards with them.

  

  Business response

  11/12/2021

  Business Response /* (1000, 5, 2021/10/20) */ October 20, 2021 RE: First PREMIER Bank credit card accounts ending in **** and **** Dear Tasha: In your complaint to the BBB, you expressed concern regarding your account with **********. First PREMIER Bank is not associated with **********. We suggest you reach out to them directly. You do have two First PREMIER Bank accounts that are delinquent. We have ceased all outbound telephone efforts on these accounts. First PREMIER Bank reports the details of your accounts to the consumer reporting agencies at the time your account statement generates. Accurate information is not changed or removed. As a courtesy we credited two late fees on both of your accounts. The current balances are: $****** (****) and $****** (****). We hope these adjustments are helpful. If we can be of further assistance, please contact our Collections Team 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

  10/18/2021

  Complaint Type:

  Sales and Advertising Issues

  Status:

  Answered

  More info

  Today October 18, 2021 I received an instant credit alert from my transunion account thru ************* telling me FIRST PREMIERE BANK did a hard credit pull on my credit report. I called them & was told someone applied for & was approved for a ***$ credit card. The creepy thing is...the customer rep said the application was done an hour ago online. He also said ALL my private info such as social #,name,address was all correctly given. Still huge red flags are goin off in my mind bc I didnt authorize this nor did anyone in my home. So how did they so easily get my info? The fees are ridiculous to with this card. Id have to pay ***$ just to access the credit line, & a one time **$ fee taken from the credit line. Its something ID NEVER APPLY FOR! The rep did not offer to send paperwork to me so i can submit to transunion to have the hard inquiry removed. Im very upset. 2 yrs myidentity was found on dark web thxs to equifax data breach my score was * & i fixed it & now this?! I wantaccountability

  

  Business response

  11/12/2021

  Business Response /* (1000, 5, 2021/10/20) */ October 20, 2021 RE: First PREMIER Bank Dear Brandy: You expressed concern regarding a First PREMIER Bank credit card application being submitted in your name and requested additional detail. On October 18, the application was marked as fraudulent and no credit card was issued. Since you indicated this application is not yours, there are additional steps you can take if you wish to request application information. Per the Fair Credit Reporting Act (FCRA) First PREMIER Bank will provide application details. We need to receive the following information before we can comply with such a request: 1. Proof of identity theft, such as a copy of a police report or completed identity theft affidavit (https://www.identitytheft.gov) 2. A form of positive identification, such as a copy of a government issued identity card, driver's license, birth certificate, paystub, or W-2 form This information may be sent directly to: First PREMIER Bank Attn: Security Department *********** ************************** 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

  10/17/2021

  Complaint Type:

  Customer Service Issues

  Status:

  Resolved

  More info

  I've been with the company for almost * years. It's a great company but recently after looking at my credit report, I wasn't agreeing with my payment history. I would like to see if I could get a goodwill adjustment to send the credit bureaus. I really have been with them for a long time but some things were out of my control at the time. Someone from the company, please reach out so I can get this resolved

  

  Business response

  11/22/2021

  Business Response /* (1000, 5, 2021/10/20) */ October 20, 2021 RE: First PREMIER Bank credit card account ending in **** Dear Nysha: You asked that we make a goodwill adjustment on your credit report, as you've been with us for a long time and some things were out of your control. While we are empathetic with your situation, we do not change or remove accurate information from a credit report in goodwill. It is important for your credit report to correctly reflect the history of this account. This ensures fairness in the credit reporting system. We appreciate having you as a customer and know this is not the outcome 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. Consumer Response /* (3000, 12, 2021/11/07) */ Since the company has stated that they will not make goodwill adjustments, I have decided to close my account and would like the account to be removed from my credit report. I would like a letter stating the removal from my credit report. I can have an account removed as long as I have a letter of deletion from the company. Business Response /* (4000, 14, 2021/11/08) */ Dear Nysha: This account was closed at your request on November 3. Even though the account is closed, we will continue to report to the consumer reporting agencies each month until it has been paid in full. As we previously explained, we do not change or remove accurate information from a credit report. Consumer Response /* (4200, 16, 2021/11/10) */ (The consumer indicated he/she DID NOT accept the response from the business.) That it's "accurate" information however, it CAN be removed if I was to receive a letter of deletion from the creditor reporting the account. Could I get a letter of deletion once the balance is paid in full? Because after the balance is paid in full, we won't have any further business. This account doesn't accurately show my credit worthiness and it is a hindrance. Business Response /* (4000, 18, 2021/11/17) */ Dear Nysha: You asked that we make a goodwill adjustment and remove your First PREMIER Bank credit card account ending in **** once it is paid. We empathize with your financial hardship, but we cannot grant your request. It is our responsibility to report accurate information to the consumer reporting agencies. Consumer Response /* (2000, 20, 2021/11/18) */ (The consumer indicated he/she ACCEPTED the response from the business.)

*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. ↩