ComplaintsforPREMIER Bankcard

• Initial Complaint

  10/16/2021

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  First Premier locked my account because I paid it off and didn't use it for several months until I used it for a plumbing issue. Then, after paying on time, they closed my account (reflected on my Experian report) without one single call, letter or email informing me of anything. It's highly embarrassing attempting to pay for something to be declined when you have no knowledge of your account being closed. They should; a) Not expect me to pay them one cent more considering all of my payments were made on time, b) Refund my entire balance and c) Send me compensation for the embarrassment I endured trying to use what I assumed was a valid form of payment. I am sorely disappointed with First Premier and how they treat a loyal, paying customer.

  

  Business response

  11/12/2021

  Business Response /* (1000, 5, 2021/10/20) */ October 20, 2021 RE: First PREMIER Bank credit card account ending in **** Dear Justin: There were two $***** payments that you set up on our website to post on August 28. Both of these payments were later returned by your bank as insufficient funds. Please reach out to your bank directly if you have any questions or concerns on why they returned these payments. First PREMIER Bank closed your account on September 16, due to the risk involved with these returned payments and a confirmation letter was sent. As a courtesy, we credited the $***** return item charge. The current balance on your account is $******, which you remain liable for. No compensation is due to you. 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

  10/15/2021

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  We are trying to contact a representative to settle an old debt with First Premier. None of their contact phone numbers will get to a live person. Even the phone number on the BBB site goes to a loop without an option to talk to a person.

  

  Business response

  11/12/2021

  Business Response /* (1000, 5, 2021/10/20) */ October 20, 2021 RE: First PREMIER Bank credit card account ending in **** Dear Fred: We apologize that there were issues with contacting us. Please contact us directly at ************ to discuss settlement options. 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

  10/13/2021

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I'm submitting this complaint against FIRST PREMIER BANK due to their complete disregard for my consumer rights under the FCRA/FCBA/FDCPA. I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. This company continues to electronically verify this "ghost" account without providing any legally binding evidence as required by law. This company refuses to provide it, which is not right, and is not compliant with the FCRA/FDCPA. I'm absolutely fed up. It is causing me immense mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. Please help! I hope to hear from you soon.

  

  Business response

  11/10/2021

  Business Response /* (1000, 5, 2021/10/15) */ October 15, 2021 RE: First PREMIER Bank credit card account ending in **** Dear Nichole: You stated that you have been disputing inaccurate and unverifiable information on your credit report and asked for information about this account. First PREMIER Bank is the original creditor and we are not required to provide verification of debt. The application was submitted online, and there is no signed contract available. As a courtesy, we are providing the following information in response to your request: Application details (below) o Date Received: 06/27/2018 o Source: Online o Name: Nichole ******* ******* o Address: ****************, ******************* o Telephone Number: ************ o Email address: ************************* The credit card, account statements and other account correspondence were all sent to you at this address, which is the same address provided on your complaint to the BBB. Since we did not receive any payments, we determined the debt was unlikely to be collected and the account charged off in October 2018. Charged-off accounts are normally removed from the credit report approximately seven years after the charge-off date. In August 2019, we were notified of your bankruptcy filing and discharged in November 2019. We apologize if our previous letters did not address your concerns and 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

  10/13/2021

  Complaint Type:

  Sales and Advertising Issues

  Status:

  Answered

  More info

  They charged me $*** I did not spend on their credit card. When I disputed this, they closed my account and opened a new account in my name. This showed up on my credit report and caused me to have my pre-approval letter to buy a house disqualified. They owe me the $*** and need to correct the account information they reported to the credit reporting agencies.

  

  Business response

  11/10/2021

  Business Response /* (1000, 5, 2021/10/19) */ October 19, 2021 Dear Sean: Your First PREMIER Bank credit card account ending in **** was reported lost/stolen when we received your dispute on September 21. A new account number ending in **** was established and all account information was transferred. The account ending in **** is no longer appearing on your credit report. We confirmed we are accurately reporting your account ending in ****. Accurate information is not changed or removed. We recommend that you contact the consumer reporting agencies to obtain more detailed information or discuss your credit score. Our Security Department investigated your dispute with ******* in the amount of $****** and found you liable for this charge. The merchant verified your name and address at the time of the charge. A letter of explanation was sent to you on September 30. Unless you have additional information to support your claim, we consider this dispute closed. We recommend that you contact the merchant directly to resolve this issue. Your account is closed and paid in full. Your most recent statement shows a balance of $**** but this was credited and the balance is zero. Sincerely, Office of the President Business Communications PREMIER Bankcard, LLC *********** ************************** (***) (2021-10-1276) PREMIER Bankcard, LLC is a registered Member Service Provider for First PREMIER Bank. Consumer Response /* (3000, 7, 2021/10/19) */ (The consumer indicated he/she DID NOT accept the response from the business.) My card was not reported as lost or stolen. I have now and have always had possession of my card. It is false to say that I reported my card lost or stolen. I also did not authorize a new account to be opened. That was done illegally without my consent. I would never have done that because I had a pre-qualification letter to buy a home in my hand and knew not to open any accounts until that was completed. Even your service rep on the phone told me that a new account should not have been opened. You are being dishonest in your reply. I did not authorize the charge for $***, either. I have never had any business transactions with that merchant. I will not consider this issue resolved until your illegal activity is removed from my credit reports and the $*** is refunded to me. Business Response /* (4000, 9, 2021/10/22) */ October 22, 2021 Dear Sean: The lost/ stolen report was completed by us when we received your dispute. This is our standard process when fraud is reported on an account. This is for your protection and ours. We reviewed your calls and verified the associate explained the lost/stolen process correctly. When an account is reported lost or stolen, a new account number is established and all information is transferred to the new account. This is not a new tradeline. As previously explained, we verified the credit card account ending in **** is no longer appearing on your credit report. If you have a report showing differently, please send me a copy to the address listed below so we can further research. You can contact ******* directly at ************ to resolve this issue. We recognize that you are not satisfied with our response, but our decision remains the same. 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 /* (4200, 11, 2021/10/25) */ (The consumer indicated he/she DID NOT accept the response from the business.) You just repeated the false information you originally fabricated in your initial response. The card was not reported as lost or stolen. A single transaction was disputed as fraudulent. You illegally opened an account I did not authorize. You allowed my account information to be compromised and used for a fraudulent transaction, and then refused to follow the regulations to correct that. You obviously have no intentions to stop fabricating false narratives and resolve this matter withing the required regulations. I have filed a complaint with the federal consumer protection agency and the federal reserve on this matter. Business Response /* (4000, 13, 2021/11/03) */ Dear Sean, We recognize that you are not satisfied with our response, but your continued communication will not change our decision.

• Initial Complaint

  10/12/2021

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  This Affidavit of Fact is Pursuant to 15 U.S. Code § 1692 (a)(b) which states that The Congress has found abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. These abusive practices contribute to the invasions of individual privacy among other things which you First Premiere card are in violation as I never gave you my information directly; I a consumer in fact, agree with The Congress to eliminate abusive debt collection practices by debt collectors, and to promote consistent state action to protect consumers like me against debt collection abuses which you(Fiest Premiere ) are attempting to do Pursuant to 15 U.S. § Code 1692(e); Take Notice that Pursuant to 15 U.S. Code § 1692a (2) the term "communication" means the conveying of information regarding a debt directly or indirectly to any person through any medium and in this specific case you First Premiere card used email, postal service etc. to communicate indirectly.

  

  Business response

  10/28/2021

  Business Response /* (1000, 5, 2021/10/14) */ October 14, 2021 RE: First PREMIER Bank credit card account ending in **** Dear Denise: You stated that we are in violation of the Unfair Deceptive Abuse Acts and Practices (UDAPP), as you never gave us your information directly. Upon receipt of your correspondence, we ceased all outbound telephone efforts. Your contract with us states that you agree to pay us for all charges, cash advances, interest charges, purchases, and fees incurred on the account by you or any authorized user. You also agree to pay any other fees imposed by First PREMIER Bank, as explained in the contract. The current balance on this account is $******** which you remain liable for. No refund is due to you. This account was opened in April 2018. In July 2018, you enrolled in e-statements and monthly notifications are sent to: ********************* We report the details of your account to the consumer reporting agencies at the time your account statement generates. Please allow 30 to 45 days for new information to update. You were notified on your first billing statement that we report account information to the consumer reporting agencies. If this letter did not address your specific concerns, please call Customer Service 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

  10/11/2021

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  I'm not sure how this is going on or what's going on but I recently noticed that I was getting a letter in my mailbox from First Premier. I didn't pay it any mind when I never received it since I've never heard of this company. I applied for a apartment today and noticed was denied due to "SEVERE DELINQUENCY" and "RECENT CHARGEOFF." ************* already used my credit for what I needed it for (a car loan) so I don't really check it much, well I check it and seen I apparently have a open account with First Premier. I tried calling but was placed on hold. I didn't authorize this account to be opened in my name, not sure who's doing it but they must know me to be using my address & SSN. I would like First Premier to reach out to me so we can find out who's opened this account under my information & tarnished my credit profile.

  

  Business response

  10/25/2021

  Business Response /* (1000, 5, 2021/10/13) */ October 13, 2021 RE: First PREMIER Bank credit card account ending in **** Dear Markell: You stated that you did not authorize the above account and asked that we make a correction to your credit report. This account was opened in March 2021 and the credit card was sent to your attention, at the address listed on this complaint. The account was enrolled in e-statements in March with the email address of: ******************* In September 2021, the account charged off with a balance of $******. Charged-off accounts are normally removed from the credit report approximately seven years after the charge-off date. To investigate your claim of identity fraud, 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 (specifically the address, phone number, and email address) Supporting documentation, such as a police report - if available The above information can be sent directly to: First PREMIER Bank Attn: Security Department *********** ************************** Thank you in advance for providing us with the requested information. 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, 2021/10/13) */ (The consumer indicated he/she ACCEPTED the response from the business.) I'll send the ID theft form by US mail.

• Initial Complaint

  10/07/2021

  Complaint Type:

  Sales and Advertising Issues

  Status:

  Answered

  More info

  I had been registered as a secondary user for the credit account that I have been jointed with however, the credit limit was $***, as that would be the maximum amount paid. The credit line was supposed to be approved upon the discretion of the bank depending on several components of a person's background, credit score, income, etc. and the primary cardholder was approved. Except, the card has been treated like a prepaid service, it was required that we pay $*** first and then after it is paid; the bank has charged me $*** in a row for 4 months now and has not helped me since. The $*** was supposed to be lent and then spent, paying for whatever amount you've chosen to spend...well, no the bank has even charged me $***+ additional to the 4 months and NOT ONE SINGLE dollar has been spent on my part. There has been payments paid towards the $*** for one user, but I'm being charged a new $*** every month. The card I was issued is the same number as the primary card, that's not how it works.

  

  Business response

  10/25/2021

  Business Response /* (1000, 5, 2021/10/12) */ October 12, 2021 RE: First PREMIER Bank credit card account ending in **** Dear Noelani, First PREMIER Bank's objective is to provide access to credit for those who need it most. We understand our cards do not fit everyone's financial situation. Our fees are straightforward and clearly disclosed to all consumers. The account was opened in February 2021 with a $****** credit limit and an annual fee of $****** was billed on the first statement. There is no monthly fee for the first year. The card was used for several purchases, so applicable fees and interest accrued. The available credit that was created from the payments being made was used for purchases. Please review the billing statements that have been provided monthly for a complete list of charges to the account. Statements are available online for three months. As a courtesy, we credited the $***** late fee that billed on September 20. You requested a correction to your credit report but did not explain why. If you disagree with how your account is being reported, please provide the following: Specific information you are disputing A detailed explanation why you feel the information is incorrect A copy of the credit report showing the disputed information Any documentation to support your claim If you would like to be removed from the account as an authorized user, please submit your request in writing. This information can be sent to me at the address listed below. The account was reported stolen on October 11 and multiple charges were disputed. If you identify additional charges that need to be disputed, please contact our Customer Service Department at ************. I 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

  10/06/2021

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  My card was charged for a balance that was not authorized. Filed a dispute and because the company gave some money they closed my claim. The last 2 reps I told were ******** of helping. The last rep told me to write my statement out and fax it in hopes that maybe they'd reopen my claim. I've been back and fourth trying to get the entire refund. This company has failed to do there job. If they would request phone calls from ********** they would hear the rep say the money charged is not supposed to be authorized and should be a refund to my card. Because they have been ******** of helping me I closed mine and my husband account. They want me to send a letter to chance that they would help me again. Which they have been of no help! They haven't helped me but made my stress go through the roof and have me so upset with the customer service I have received. I've given this company chance after chance and they have done nothing to help me as a customer. They just tell me to do the work.

  

  Business response

  10/21/2021

  Business Response /* (1000, 5, 2021/10/13) */ October 13, 2021 RE: First PREMIER Bank credit card account ending in **** Dear Kathy, We understand the dispute process can be frustrating. As explained in the letter sent to you on September 15, we can continue your dispute with ********************* if you provide a copy of the credit slip or a letter of credit from the merchant. If the merchant was paid through other means, such as insurance, please provide proof of payment. Without this documentation, we have no means to assist you. Upon receipt of this complaint, we completed a cease and desist and removed your contact information from our marketing list. Your cooperation is an important part of our investigation and we thank you in advance for your assistance. Sincerely, Julie ********* Directing Officer, Business Communications PREMIER Bankcard, LLC *********** ************************** (***) (************) PREMIER Bankcard, LLC is a registered Member Service Provider for First PREMIER Bank. Consumer Response /* (2000, 7, 2021/10/13) */ (The consumer indicated he/she ACCEPTED the response from the business.) I have closed out my account with you all because I've already called several times to advise you and provide you the information. I've been given different fax numbers. Your last employee stated he wanted a statement with the full entire story which I have explained on multiple occasions. I have gotten fed up with having to repeat myself to you all. It's been over 2 months and you all have done absolutely NOTHING! I've done all the work for you and still continue to do the work for you. Please give me a correct fax number to send all this information AGAIN.

• Initial Complaint

  09/29/2021

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I have two entries on my credit report listing accounts with First Premier Bank - 4/21/2017 $****** & 5/24/2018 $*******. I have disputed these accounts with all three credit bureaus asking for First Premier to verify the debt or remove the accounts from my credit report. I also filed complaints with the CFPB asking for verification or removal. First Premier still has not verified with me that this debt is in fact valid and belongs to me. They have only replied each time to the separate entities that the account remains, dispute resolved. I believe these accounts were set up fraudulently. Without proper verification or validation I need them removed immediately.

  

  Business response

  10/19/2021

  Business Response /* (1000, 5, 2021/10/04) */ October 4, 2021 RE: First PREMIER Bank credit card accounts ending in **** and **** Dear Stacy: You asked that we verify these debts or remove them from your credit report. First PREMIER Bank is the original creditor and we are not required to provide verification of debt. The applications were submitted online, and there are no signed contracts available. We have no prior record of you requesting validation of these accounts. The account ending in **** was opened in April 2017. In May 2017, the address was updated to ********************* and all account correspondence was sent to your attention, at this address. The account ending in **** was opened in May 2018. All account correspondence was sent to your attention, at the above address. In 2018, the accounts were enrolled online with the email address of: ************************ We stopped receiving payments and determined that the debts were unlikely to be collected, so both accounts charged off in June 2019. The balances are $****** (****) and $******** (****). Charged-off accounts are normally removed from the credit report approximately seven years after the charge-off date. We hope this information clarifies your concerns regarding the validity of the accounts. 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

  09/29/2021

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I had two accounts in collections with first premier bank through my own fault. I had disputed them at the advice of others which was a mistake admittedly, and decided to call first premier last month and settle the accounts with them and delete the disputes with the credit reporting agencies. I settled the accounts for less than originally agreed upon and they were brought to a zero balance and the accounts were closed on my reports. I called each credit bureau and told them that I no longer dispute the validity of these debts and would like them removed from my files and had them Successfully removed. Not a day later first premier added dispute comments back onto my account. I had them deleted again, they put them back. This went on 4 times at least. No other company did this after I no longer disputed the information. When I called to pay the accounts I even told them that I was no longer disputing the accounts and they still keep adding the comments back.

  

  Business response

  10/18/2021

  Business Response /* (1000, 5, 2021/10/06) */ October 6, 2021 RE: First PREMIER Bank credit cards ending in **** and **** Dear Carla: Both of the above accounts were settled in August 2021 and that information was updated to your credit reports. When we spoke with you on August 23, we explained that a written request was needed in order to remove the dispute comments. Your complaint is the first written request we've received. We submitted updates to the consumer reporting agencies to remove the dispute comments from your First PREMIER Bank accounts. Please allow approximately one week for processing. If additional disputes are received, we may report the dispute comments again. We hope this response 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.

*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. ↩