First Premier Bank reviews & complaints 181
Keywords
credit card account payment bank information card balance money credit fees bank account checking account debit card program fee fraudulent credit limit credit report withdrawn deduction emailNewest First Premier Bank reviews & complaints
Avoid This Company for Credit - Terrible Customer Service
After reading multiple reviews and personal experiences shared by customers, it is evident that PREMIER Bankcard falls short in providing satisfactory service. Customers have reported issues with disputes, unhelpful customer service representatives, high fees, and poor communication. One customer mentioned a significant drop in credit score due to a clerical error that the company refused to rectify after 17 years of loyalty. Another customer expressed frustration with the lack of assistance in resolving a purchase dispute. It seems that this company prioritizes profit over customer satisfaction. Based on the feedback, it is advisable to steer clear of PREMIER Bankcard for credit services and explore more customer-friendly options available in the market.
This is a REAL company that issues "fee based" credit
This is a REAL company that issues "fee based" credit cards for folks with prior credit problems, bankruptcy and other previous personal credit issues.
FEE BASED means that they issue credit on a limited basis and charge fees. Sometimes rather exorbitant fees. But if you're looking to re-establish your credit you might want to look into this. Two people that I know have these and they report your new credit and payment history to the credit bureaus. There is, I understand, an initial fee structure and the interest rate is VERY high so you would want to use your new card carefully. Apparently they start you out with about a $300 credit line. There are also some other fees as well. I suppose this is understandable as they are taking a substantial risk issuing actual unsecured credit cards to folks with prior credit problems. But it is a manageable way to re-establish yourself.
From what I understand, the online application process is simple, and you get your approval and new credit card within a couple of weeks. At least I have confirmed that this is a LEGITIMATE company (I've seen the actual credit card they issue and statement). This was a big help to friend who had a divorce and serious credit issues a few years ago. As always, proceed with caution as the fees can be rather nasty if you screw around with the card too much or max it out. But it is, as I say, a REAL UNSECURED starter credit card (no deposit required).
I cannot reach a human being to cancel my account
I am dissatisfied with my account and wish to cancel, but I cannot reach a human representative for assistance.
There is no "cancel account" option available on your website.
I have called both numbers listed on your website and cannot reach an agent.
Please assist me in cancelling my account.
Your earliest attention to this matter will prevent me from seeking the assistance of an external agency.
Desired outcome: I wish to cancel my account.
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Is First Premier Bank legit?
First Premier Bank earns 94% level of Trustworthiness
Perfect Trust Endorsement: First Premier Bank achives 94% ligitmacy per Complaints Board. Highly recommended, yet always stay vigilant.
We found clear and detailed contact information for First Premier Bank. The company provides a physical address, 14 phone numbers, and 2 emails, as well as 5 social media accounts. This demonstrates a commitment to customer service and transparency, which is a positive sign for building trust with customers.
First Premier Bank has received positive review on our site. This is a good sign and indicates a safe and reliable experience for customers who choose to work with the company.
Firstpremier.com has a valid SSL certificate, which indicates that the website is secure and trustworthy. Look for the padlock icon in the browser and the "https" prefix in the URL to confirm that the website is using SSL.
Firstpremier.com has been deemed safe to visit, as it is protected by a cloud-based cybersecurity solution that uses the Domain Name System (DNS) to help protect networks from online threats.
Firstpremier.com you are considering visiting, which is associated with First Premier Bank, is very old. Longevity often suggests that a website has consistently provided valuable content, products, or services over the years and has maintained a stable user base and a sustained online presence. This could be an indication of a very positive reputation.
The domain associated with First Premier Bank is registered with a high-end registrar, which can be an indicator of the company's commitment to maintaining a secure and reputable online presence.
First Premier Bank as a website that uses an external review system. While this can provide valuable feedback and insights, it's important to carefully evaluate the source of the reviews and take them with a grain of salt.
First Premier Bank website is deemed to be popular and indicating that it receives a high volume of traffic. It is important to be cautious when using a highly trafficked website, as it may be a target for cybercriminals looking to exploit vulnerabilities or steal personal information.
This website offers payment methods that provide the option for customers to get their money back, which could be a positive indicator of the company's commitment to customer satisfaction.
However ComplaintsBoard has detected that:
- Despite a high level of trust, our investigation found issues with First Premier Bank's service, including poor customer service, lack of accountability, and responsibility to resolve complaints. Customers may face long wait times for responses, receive generic or unhelpful answers or no response at all. Only 20% of 3 complaints were resolved.
- We conducted a search on social media and found several negative reviews related to First Premier Bank. These reviews may indicate issues with the company's products, services, or customer support. It is important to thoroughly research the company and its offerings before making any purchases to avoid any potential risks.
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Pros
- Competitive interest rates
- Wide range of financial products
- Strong online banking platform
- Personalized customer service
- Robust security measures
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Cons
- High fees compared to competitors
- Limited national presence
- Less competitive interest rates
- Basic online banking features
Unauthorized charge by fpb cr card co to my checking account.
March 15, 2024. Received an alert from Chase Bank this morning at 5:03am of a debit to my account of $1341.10 that I never authorized. I didn't even know who this was. Called my bank first thing and put a stop payment on the debit. I don't allow any company to debit my account. I am going to complete the forms my bank is sending me to file a fraud charge. I have been advised by the bank to close my checking account and open a new one. The bank believes my checking account has been compromised.
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Payments to First Premier
I make all my payments on time. I pay via my personal checking account each month. So because I use my personal checking account to make payments, they put a 20 day hold on e very payment. They stated and I quote "we don't get a list of cleared checks" thereby the 20 day hold. Is this true? This is just unbelievable in this day and age when we all know that it clears within at most 2 business days! My opinion, they are making $ off our payments!
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First Premier Bank - Credit card /reporting
First premier is saying I am 30 days late from a payment made in december. I made a payment online to my credit card and used my "Ent" checking account that I normally do and now that I got a alert on my credit report I'm 30days late i go online to see the issue and it shows the wrong checking account Was used (an old inactive account) so funds were not...
Read full review of First Premier BankUnauthorized credit card charges on your business account
We noticed starting in September 2023, that many charges were coming through our account, here are months and amounts we have so far
September 2023 from 09/14/2023 til 09/29/2023 total that month 807.27
October 2023 from 10/02/2023 until 10/31/2023 total amount that month 2,140.28
November 2023 from 11/03/2023 til 11/30/2023 total amount 1,878.65
December 2023 from 12/01/2023 til 12/12/2023 total amount 717.84
These charges have been reported to our ban, and the police department
the name we were given was a Breylan Jefferies from Sioux Falls SD
company # [protected]
Claimed loss: Total since September, October, November, December Total all months5,544.45
Desired outcome: please refund, I'd appreciate a response
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Credit card bill
I really don’t want this credit anymore, I feel that they are collecting money every month for no apparent reason whether I buy or not, I still have to pay. They increased my spending amount to $700, I missed payment for a few days, they want the whole $ 700 back that I never spent, they constantly calling my phone, they call me 4 times yesterday I just want this credit card cancel. Over the years I have paid so much unnecessary money to this first premier bank credit card, I don’t want any refund I just want to cancel the card.
Desired outcome: I want this credit card cancel
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Fraudulant use of credit card and my checking account.
On 11/22/2023 I found this on my online checking account page: "PREAUTHORIZED WD FPB CR CARD VRU 231122". My bank tells me that a Michael Crippen was using my checking account to pay towards a credit card bill. This process was stopped by I would like to have FPB Bank investigate and provide me with the contact information for Michael Crippen so I can involve law enforcement.
First Premier Bank - Complaint regarding customer service representative and manager.
Dear First Premier Bank, I am writing to express my disappointment and frustration with the level of customer service I received during my recent interaction with your company. I had the unfortunate experience of dealing with both a customer service representative and a manager, and I believe it is important to bring to your attention the issues I...
Read full review of First Premier BankCredit card
Yes, I have tried several times to get my account in order but again no success.
They allowed another person to report my card lost/stolen, proceed to pay off that account and start charging again. I had a balance of 602.00. I now have a balance of 798.00. At this point i did contact the Attorney Generals Office in South Dakota. FIrst premier has there fraud department working on this which is scary they are the ones that allowed this to happen. If the dont reinstate my original balance to 602.00 I will not pay anything and this whole account can go into collections.
Desired outcome: put my balance to 602.00
credit card
Yes, you allowed someone to report my account lost/stolen, you gave them a new card, they paid it off, and then proceeded to again charge under me.
I owed you 602.00 on my card, as of today i see the balance is up to 1500.00.
I will not pay anything over 602.00 which i agree is what i owe you on my old account ending in 8277.. Anything that was charged on this card on this account after August 1st is not mine...
Please get this straightened out asap.. AGAIN, I DO OWE YOU MONEY 602.00 BUT NOTHING OVER THAT AMOUNT.
I dont know how this happened but I do not take responsibility for anything over 602.00'
Helen Little
2327 Henbird lane
Lancaster PA 17601 THIS ACCOUNT WAS CLOSED IN AUGUST ONCE I
ONCE I CALLED AND TALKED TO YOU.
Desired outcome: I will not pay anything over the 602.00 I owe you.
Bad update on my credit report
One of the worst card ever they are so sinistered I've been with them since 2017 I never missed a payment in 2020 during the height of the epidemic that I did not send me the bill in time I was late for one payment they were quick to report it to the bureau it's wrecking havoc on my credits report as negative entity I have disputed that countless time and always First Premier Bank will override the dispute and update the status as negative only one payment I was ready to upload the picture of the credit report to show everyone that for the last 7 years I have not missed a payment everything is checked only for one month in 2020 and that was first premier bank's fault not my fault and yet they reported as negative entity and I refuse to remove it if this not Sinister Act or act of hate what is it then I will be very careful to get a card from this establishment
credit card
Someone opened a credit card and is using my bank account to pay their bills. On 6/27Transaction Details
-$95.00
PROC FEE FPB CR CARD C16074598 INTERNET PAYMENT
Posted Date
06/27/23
Transaction Type
Debit
Reference Number
[protected]
Receipt Attached
No
/2023 I had a deduction from my checking account of $95.00.
Transaction Details
-$132.04
INTERNET FPB CR CARD WEB264789456 INTERNET PAYMENT
Posted Date
07/10/23 7/11/2023 169.07
Transaction Type Reference Number
[protected]
Debit
Reference Number
[protected]
Receipt Attached
No
I now have to close out a very old account that is causing me
a lot of work.
Desired outcome: Find who did this and take care of it. I don't understand how this can happen
First premier bank card
I signed up with this credit card over 2021, and never had any issues with a card use or making my payments until mid 2022 when I was laid off. Though I was on unemployment, I still managed to make my payments and stay ontrack. As of March 2023 they've been harassing me Non-Stop sending me spam emails about my account being past due and facing collections or write-off. Calls to their customer support are a broken phone line that doesn't work half the time. They're about to face legal action if they don't back off and knock it off, I am OVER them.
Desired outcome: Stop harassing me and spamming my email with charge off threats
Unauthorised ach charge from my bank account
Was charged through ACH payment 1075.75 dollars from my bank account on 6/20/2013. I did not authorise nor have I ever heard of Premier bank. I have had to change account numbers with my bank. The only information that we have is the description on my online account which reads: FPB CR CARD VRU CUS263059720. As of right now I am out the full amount because my bank will not cover this.
Desired outcome: return the full amount that was debited from my account.
First premier credit
These sneaky Bas&%^^& have been stealing money out of my checking account for months now. Wondered WHY my balance was decreasing almost every day, when I wasn't spending money, and no autopayments on the account. You BET I reported it as FRAUD. I had a credit account with them under a very different payment method. My goll, a person goes through this wire fraud garbage.
Desired outcome: Fraud reporting, and possible lawsuit or litigation
My credit card account
I have paid my bills on time every month since June 2020 and not one was ever late or experienced any problems with First Premier Bank until this past May. I made a payment on May 12th since it had an amount due attached to it. I paid it thinking I took care of the bill. I went back to my account a few days later and noticed that the amount due was still on my account. I also noticed that the amount of $89.00 that I just paid was missing from my account as if it wasn't paid. I got upset and called customer service stating that my account didn't have my payment made on my account. I was told that I paid to early and I would have to make another payment. This I couldn't understand because as a card holder they know when to place the information on my account making sure it isn't placed to early to avoid a double payment. but it didn't matter I had to pay again. By this time my amount due changed to $85.00 and paid the amount on the first of June. When I did that nothing on my account changed it still displayed an amount due of $85.00 with the same notice I saw on my May account summery. it stated that no payments were made since May 14th and its still on my account
Desired outcome: I want that $89.00 I paid on May 12th to be placed back in my account as a payment. This bank chose to place the account information on my account to soon and forced me to pay a double payment.
Unauthorized cr card internet charges in my account
I don't have a credit card with this company! I've never had a account with this company!
I need my $ back! Please HELP ME with this!
My bank Denied all of my disputes!
See the attached screenshot of the unauthorized transactions that I have sent!
I have had my identity stolen this past October, I didn’t apply for a credit card with this company.
I have attached screenshots of my statement when these fraudulent charges were taken! And of the closed disputes with my bank!
Desired outcome: My money back!$677.38 totalAny open account that you have with my name is going to be fraudulent! I have the police report # if you need it!
customer service
To Whom it may concern,
On April 26, 2023 at 9:27 am [protected]) I called in a payment because my card was stolen and needed to be sure of payment information. Please listen to the call and help me understand if this is how First Premier Bank would like its customers to experience (employee id: 727 supervisor: Todd Y75).
Thank you,
Gonzalo Escobar Jr
Desired outcome: please follow up via email [protected]@gmail.com and help me understand my experience on making a payment, spending almost 20 minutes in the process, also, what coaching, training steps of action was taken.
First Premier Bank Customer Reviews Overview
One aspect of First Premier Bank that stands out in positive customer reviews is its user-friendly banking solutions. Customers appreciate the bank's range of offerings, particularly its personal banking services, which include checking and savings accounts, loans, and credit cards. They also commend the bank's business banking services, with its cash management and lending solutions receiving high praise.
The bank's commitment to helping those with poor or no credit history has also won it positive remarks. As one of the largest issuers of Mastercard and Visa credit cards in the United States, First Premier Bank provides credit cards to those looking to establish or rebuild their credit. This effort to provide financial inclusion to underrepresented customer groups is an aspect that customers repeatedly commend.
Customer service at First Premier Bank is another area frequently highlighted in positive reviews. Customers have expressed satisfaction with the bank's friendly, responsive, and knowledgeable service representatives who are always ready to assist with any queries or concerns. This level of service, coupled with a strong commitment to customer satisfaction, enhances the overall customer experience at the bank.
The digital banking experience provided by First Premier Bank is also highly praised. With a secure and easy-to-use online platform and mobile app, customers can effortlessly manage their accounts, make transactions, and stay in control of their finances at all times. This emphasis on digital convenience has resonated well with the bank's tech-savvy customers.
In conclusion, while First Premier Bank continuously strives to improve and adapt to customer needs, its commitment to personalized banking, its focus on financial inclusion, and excellent customer service are aspects that shine through in customer reviews. The positive feedback serves as a testament to the bank's ongoing commitment to quality service and customer satisfaction.
First Premier Bank In-depth Review
In summary, First Premier Bank offers a range of financial products and services, with a focus on personal and business banking. They provide a user-friendly online and mobile banking experience, though their fees and rates may not be the most competitive in the market. Customer service is accessible, and the bank shows a commitment to community involvement. Below is a detailed review based on the provided headings.
Company Overview
Brief History: First Premier Bank has established itself over time as a reliable financial institution.
Mission and Values: The bank's mission and values are centered around providing exceptional customer service and supporting the communities they serve.
Service Area and Locations: They have a presence in select regions, offering services to the local communities.
Financial Products and Services
- Personal Banking: They offer a variety of personal banking options, including checking and savings accounts.
- Business Banking: Business customers can find services tailored to their needs, from accounts to merchant services.
- Loans and Credit Options: Customers have access to several loan products and credit options.
- Investment Services: Investment services are available, though specifics are not detailed in this review.
Customer Service Experience
Responsiveness: The bank is known for being responsive to customer inquiries.
Support Channels: Customers can reach out via phone, email, or in-person for support.
Customer Service Hours: They offer reasonable customer service hours, though exact times are not specified here.
Online and Mobile Banking
User Interface and Ease of Use: The online banking platform is user-friendly, catering to customers' convenience.
Mobile App Features and Functionality: The mobile app is functional, providing essential banking services on the go.
Security Measures and Privacy: They employ standard security measures to protect customer data and privacy.
Fees and Rates
Account Fees: There are various account fees, which may not be the lowest compared to other banks.
Loan Interest Rates: Loan rates are competitive, but customers should compare with other options.
Credit Card Offers: Credit card offers are available, with terms and benefits that require careful consideration.
Account Opening Process
Required Documentation: Standard documentation is required for account opening.
Approval Timeframe: The approval process is efficient, with a reasonable timeframe.
Initial Deposit Requirements: Initial deposit requirements are in line with industry standards.
Convenience and Accessibility
Branch Availability: Branches are conveniently located within their service areas.
ATM Network and Fees: They have an ATM network, with fees that are standard for the industry.
Online Account Management: Online account management is robust, allowing for easy access and control over finances.
Financial Health and Stability
Bank's Credit Ratings: The bank's credit ratings are solid, indicating financial health and stability.
FDIC Insurance and Safety Measures: Accounts are FDIC insured, providing an extra layer of security for customers.
Recent Financial Performance: The bank's recent financial performance has been stable, though specific figures are not provided here.
Customer Reviews and Testimonials
Positive Feedback: Many customers appreciate the personalized service and community focus.
Common Complaints: Some customers have expressed concerns over fees and rates.
Overall Customer Satisfaction: Overall, customer satisfaction is generally positive, with room for improvement in certain areas.
Community Involvement and Social Responsibility
Charitable Programs and Donations: The bank is actively involved in charitable programs and makes donations to support local causes.
Community Service Initiatives: They engage in community service initiatives, demonstrating a commitment to social responsibility.
Environmental Sustainability Efforts: Efforts towards environmental sustainability are part of their corporate responsibility, though specifics are not detailed here.
Additional Services and Benefits
Rewards Programs: Rewards programs are available to customers, offering additional benefits.
Educational Resources: They provide educational resources to help customers make informed financial decisions.
Special Offers for Account Holders: Special offers are periodically available to account holders.
Comparison with Competitors
Competitive Advantages: The bank's personal touch and community involvement are competitive advantages.
Market Position and Reputation: They hold a respectable market position with a reputation for customer service.
Comparison of Rates and Fees: Rates and fees are competitive, but customers should compare with other banks to ensure the best deal.
Pros and Cons Summary
Key Strengths: Community involvement and customer service are key strengths.
Potential Drawbacks: Fees and rates may be a drawback for some customers.
Final Verdict and Recommendations
Overall Impression: First Premier Bank is a solid choice for those valuing community ties and customer service.
Suitability for Different Types of Customers: It is suitable for customers who prefer a personal banking relationship and community-focused services.
Tips for Prospective Clients: Prospective clients should review all fees and compare rates before opening an account to ensure it meets their financial needs.
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Frequently asked questions (FAQ) about First Premier Bank
Yes, First Premier Bank is a legitimate banking institution. It is FDIC-insured and is based in Sioux Falls, South Dakota, where it was founded in 1986.
Yes, First Premier Bank is FDIC insured, which means that customers' deposits are insured up to the maximum amount allowed by law.
Yes, while First Premier Bank is based in South Dakota, it offers its services to customers nationwide.
First Premier Bank offers a wide range of banking services, including personal banking (checking and savings accounts, loans, credit cards), business banking (cash management, lending solutions), and wealth management services.
Yes, First Premier Bank is one of the largest issuers of Visa and Mastercard credit cards in the United States. It offers legitimate credit cards, including options for those looking to establish or rebuild their credit.
Yes, First Premier Bank uses encryption and other security measures to keep its online banking platform safe and secure.
First Premier Bank has a wide array of personal banking services and is generally well-reviewed by its customers. However, what constitutes a "good bank" can vary depending on individual needs and preferences.
Yes, First Premier Bank reports to the major credit bureaus. This reporting is what makes their credit cards a good option for those looking to build or rebuild their credit.
First Premier Bank has a dedicated customer service team. However, as with any company, experiences may vary. Many customers have reported positive experiences with First Premier's customer service.
First Premier Bank was founded in 1986 in Sioux Falls, South Dakota. It has since grown to be one of the largest issuers of Visa and Mastercard credit cards in the country.
Yes, First Premier Bank has physical branches, primarily in South Dakota. However, they also offer online and mobile banking services to serve customers nationwide.
Yes, First Premier Bank's mobile app uses several security measures, including encryption, to ensure the safety of its users' information.
First Premier Bank offers a variety of loan products, including personal loans, home equity loans, and business loans.
Yes, First Premier Bank offers a variety of savings account options to meet different customer needs, including regular savings accounts and money market savings accounts.
Yes, First Premier Bank offers wealth management services which can include investment services. They provide tailored strategies for individual, retirement, and business needs.
Most discussed complaints
stay way away from premier bank 7 (opinions to this review) Credit card /reporting 1 (opinions to this review) Big Waste of Time 1 (opinions to this review) We had a $50.00 charge on our statement that neither my husband or I authorized 1 (opinions to this review) Harassment 1 (opinions to this review)Recent comments about First Premier Bank company
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