First Premier Bank
reviews and complaints

I have had this card for several years and I get the same run around when I paid by phone, they said "it must not have picked up my proper number" and they charged me a late fee. I paid this card 2 weeks in advance and I am afraid to close these cards because I know they will then try to put negative marks on my credit report. They have me exactly where they want me...in debt with them and no way out. I always pay on time and I feel as if I will never get these cards paid off due to all there fees. It should be a crime what this company does to people.

I CANCELLED MY FIRST PREMIER BANK CENTENNIAL SECURED CREDIT CARD OUT BECAUSE THE ANNUAL FEE IS TOO HIGH AND THEY WERE GOING TO PULL A CREDIT REPORT ON ME IF I INCREASE MY CREDIT LIMIT BY SENDIN IN ADDITIONAL DEPOSITS TO MY SECURITY DEPOSIT AND I DID NOT GET NO RESPECT FROM THIS BANK AT ALL AND IT WAS A SECURED CENTENIAL MASTER CARD

this card is a ripoff interest rate is to high and there is to many fees on this card they charge 7.00 dollar if you pay your bill online every month give me a break i don't recommend this card for any one.

I JUST HATE THEM AND ANYONE WHO WORKS FOR THESE COMPANY, TO ME THEY ARE ALL THIEFS.

Primier Bank are licenced thiefs. May be they work in cohorts with fdic. who knows, and why has'nt anything been done to stop this unscruplous company.
They are having a field day ripping people off under the FDIC'S watch. They start sending you statements even before you lay your hands on their filthy credit cards. Dont even read any stuff they mail, just shread em.

They are crooks scoundrels leeching on innocent pple. How crazy,

I got a credit card from these people because my credit was not too good. Now my credit is twice as bad. I called them up and wrote to them saying I wanted to cancel my card. Maybe 3 months later, I finally got a letter confirming the card cancelled. They start calling saying they want over $500.00 payment now. I live on a monthly income, and there is no way I owe that much money. This is the biggest ripoff company.

Hello, my complaint is against First Premier Bank. I am telling everyone do not deal with them at all. This bank DO NOT HELP YOU REBUILD CREDIT. They are actually taking from you instead of helping you. This bank do not report you are paying your bill on time until you have paid 10 months on time. They are not being honest with their customers at all. I do not want anything to do with First Premier Bank.

They said the fee was $179.00 But i ended up paying two hundred and something and My limit is $250.00 But you can only get twenty out the ATM daily you should be able to get what you want out. its your money. You also get charged to much for fees every month.

I applied for this credit card, now my credit score went down. now i have a balance of 180.00 and i never used the card. i want this card close. this is a scam. i want this cancel. thanks james carlson [protected]

First premier is a scam, I do not owe them 490.75 I do not have a credit card with this company a collection agency is writing me and asking for payment...

Got a letter from a collection agency saying I owe $490.75 I do not have a credit card with this bank I do not have a credit card for FIRST PREMIER BANK

First premier is a rip off!.. after all there hidden fees I decided not to pay because I feel that there must be a cap on what they can charge. IT just didnt seem right.

and now its been like 3 years and I have paid my debt to a colections agency. but they have still yet to remove my name from the credit agency's list and has hurt my credit score because of it.

My husband and I have cards with FPB and we have a checking account with Wachovia. We got a notice from Wachovia that we had a returned check presumably by phone or online because it was a long number, not a normal number for the amount of $185. We are having serious financial problems, and our checking account is already seriously in the negative in fees. We did not authorize this transaction and we don't know why they took it upon themselves to do this to us. They got the account information because I have previously given them my checking information to pay the bills in the past. Can they do this to us legally? What can be done about it?

Once again, they are very up front with their fees before you even order. Dont blame them because you didn't read the terms and conditions!

Take the time to learn a little bit about credit reporting before you jump into a new card. Any new account or inquiry lowers your credit and they are very up front with the fact that the fees are 179.00 to open the card and will already be a part of your balance. This is your issue, not theirs.

It is not Fraud or a scam

There is a way. You don't have to take it lying down. One phone call to the Orange County Debt Settlement Group and you will not receive another harrassing call from your creditors. We know the laws, and we have the people to argue for you, arrange a settlement for NO MORE THAN HALF of the original balance and get this put behind you very quickly. You will NOT be bothered while this is going on because you have hired the Orange County Debt Settlement Group to work for you. [protected] www.OCDSG.com

soft inquiries don't affect your credit score in any way, and are not visible to anyone but you pulling the report.

Also, it would be nice if you would refrain from harrassing the poor representative who is just trying to do her job. What were you trying to accomplish with getting the poor woman riled up for no reason? Would you be happier if she were on unemployment?

I was recently contacted by this pathetic bank and I was told that I owed them ~1400 dollars. I insisted that I have never had an account with them and they called me a liar. I know each and every CC I have ever had. I then, nicely asked them to send me proof of any of this and they said that I just needed to pay my debt. If anyone wants to get a lawsuit going I would be more than willing to get in on this one. They need to be nailed to a wall, especially after that recent stunt they are pulling with the 79.9% APR. I think the mafia would be better to deal with then these thieves. You can reach me at pierced1m_2000@yahoo.com.

I am suing. Go to small claims court and file a lawsuit against them. Cost for small claimsw is $ 30.00.

02/15/2008, I paid my full balance, the bill that was due 02/16/2008. On 02/18/2008 for the bill due 03/16/2008, the $6 "serving fee" hit. By 03/20/2008. I had not paid the $6. I received a call from the bank stating that my account was 30 days past due. I stated I was at work and would call back after I got off.

Me and the young lady I spoke to went back and forth about a late fee I felt was charged incorrectly and about how my account possibly be late and in collections.

I also want to note that I had never missed a payment before on either of my cards.

I ask to speak to someone else she states "There is no one else, all Supervisors are busy". She stated I just needed to pay my bill. After a few more moments she states she will have someone call me.
That was 03/21/2008.
I must admit, I had never had a problem until this.
I am a student and I work full-time, so I waited and then forgot. My mistake.
I go to use my card which is not even close to the limit and I am not able to.
So on 03/27/2008, today. I called and now I am a little upset because I am now realizing that no one called me back.
I spoke to the first CSR and I hate to admit I did not get her name and I know better being in the CS field, but again I never had a problem before.
First, she tells me that I had two bills due in one billing cycle. She stated that even though I paid off my entire balance 02/15/2008 and the bill was due 02/16/2008. That I still had $6.05 due that hit my account on 02/18/2008. She stated that it was due on the billing cycle because the next billing cycle did not start until 02/20/2008, even though it was on the bill (in the next billing cycle) due 03/16/2008. She stated that they considering bills late from the billing cycle date and not the due date.
I was confused and stated that, that could not be correct and for her to go and check again (by this time I had been on hold several different times) because no company can charge a late fee from the cycle date and not the due date. I stated that all of my bill would have been charged a late fee if that were true.
I ask to speak to someone else because she is confused and could not help me in removing a fee I felt was charged incorrectly.
Then I start my name taking.
I spoke to Tara at about 947pm 03/27/2008, she stated she was the CSR Supervisor (she would not give her last name). She was very rude (at least the young lady before was pleasant), she tried to tell me the same information the previous young lady stated and I realize that’s who was telling her what to say so I asked to speak to her boss. She puts me on hold, she comes back to the phone it is not 9:50 pm and she states that "It is 10 minutes before closing and there is no one for you to speak to". Now I was really upset. I said to her that I can not believe what I am hearing. She states I can have someone call you tomorrow. I said no I have been there with you guys, someone was supposed to call me earlier in the week and did not. I want to speak to someone else who can help me. She states if I pay 26.00 today they will give me a credit on my next bills of 25.00. I told her I felt that was not fair because that is me still paying something I do not feel I should.
Finally she brings me Joel B. CSR MGR. He was awful. I was talking he stated if I paid today my account would come out of "collections" and they would give me a credit. I stated that was not fair and asked who else I could speak to that could help me. He stated that there was no one else and that it was time to go home and he could have someone call me. I told him no I have been down that road and told him what happened and then I asked for someone I could call back tomorrow. He stated "you did not call here". I was really offended then. In so many words he was calling me a liar. I told him that no one was supposed to call back and I said I can't believe what I am hearing; you’re calling me a liar. I told him that was how I felt and then he asked well "when did you call". I said where you listening to anything I was saying. He stated "I am trying to manage other people and listen to you and it is time to go home.
I could not believe what I was hearing. I asked for his boss and stated I would call back tomorrow for Kevin Dugan; Dept MGR. He stated that I would not be able to talk to him because he does not take calls. He stated that he would have Manuel; CSR MGR to call me tomorrow. He would not give me his last name. I told him I am sorry, but I can not trust what you are saying. I heard that same thing earlier in the week and no one called me.

In all of that conversation, not one of the MGT members I spoke to once said I am sorry for your experience. Not one really tried or cared about a customer who pays her bill for both account faithfully and on time. This is about $6.05 that was due 03/16/2008 and no one really cared they just want to go home.
Once I got off the phone and calmed down. I realize I called last week 03/21/2008 and not Monday as I had thought, but neither one even looked into my problem. They spoke to me as if they have been looking for me for months for $6.05. No where in the USA does anyone have two bills due in the same billing cycle.

It upset me that to know that it does not pay to pay your bills on time or ahead of time. I guess it is true that Credit Card companies do not like you to pay your balance in full.

Over draft fees and charges that do not apply to my account

i have been a card hold with two cards for over 3 yrs...i was promised at time of getting the cards that i would have a 9% intrest as long as i paid my cards on time it was fixed if i did not keep my cards paid on time then it would goto 21%...well i was looking at my last bill and it was at 20.15% when i contacted the bank and asked why my rate was so high they informed me that all clients have been changed due to the changes that were made through the government...WHAT! that is not right...we as consumers have the right to be able to keep what was promised to us if the rules change then that rule should affect new card holders and clearly be explained to the new card holders but to the exsisting card holders that were made a promise of a low intrest rate then that is what first premier should keep it is not right that we as consumers are always getting screwed for the dedt that the government seems to like getting into...we r working our butts off to take of our bills that we have and we are held responsible for our dedt or we are sent to collections and unable to buy homes ect...but the government screws up and we again are all held responsible for everyone else's mistakes i am truly tired of it...i told first premier that i will pay off both of my accts. and cancel my card's i will not be with a establishment that does not hold true to their promises...when i told the man what my intentions were he was not concerned and did not even try to make the situation right...so i am done they need to understand that when you guarentee your customers something you need to stick to it or your company with also suffer...good luck first premeir because you are about to feel the affects of treating your customers bad...

I did exactly what you did, had two (2) cards with FPB around 10 years ago. After paying my balances every single month I started to notice that the interest would never go away, no matter if paid the very next day after a purchase. After arguing with this about this I decided to pay those two cards off cancel both those accounts. So I did. Come a decade later, I started receiving letters from Portfolio Recovery Associates regarding my 'Collection Account' regarding one of my 'First Premier Bank' credit cards. Isn't it illegal for them to sell my information on accounts left in good standing? What's going on here, I know someone is making money and I'd like to know who is making the money from illegally selling personal information including my social security number, so that I may take a piece of their cake. This is totally a Federal Offense. Financial institutions have the right to share information with companies who are their service providers, such as debt collection companies, but what right does that give them for selling information on accounts left in good standing? Something is wrong here. And now my roomy is getting calls from a credit card he knows nothing about. Something seems very fishy. Lurking under the murky waters you'll find the same people who sold you bad mortgages are the people running Debt Collection, Debt Recovery, Debt Consolidation, Credit Repair and Mortgage Repair services. Look it up. It will make your stomach turn. I know first had, I've had to deal with some ex-mortgage CEOs, Presidents and CFOs all of which are in this new found field of easy money on the back of hard working Americans. So first they screw up the economy with their bad Mortgages and now they're back at it again, under a different disguise.

I just got an offer for a card thru this bank with an annual fee of $75, a $45 one time fee and a credit limit of $300! Oh yea bor a mere 59.9% interest rate! I didn't even think that interest would be legal, "Tony Soprano" would give a better rate!

My opinion of this bank is simple, JUST SAY NO!

Coletta, Do you know how to spell? You need to use better grammar...First Premier is a scam all the way around. They jack up the fees al l the time and when you close the acct. on your end they do not always on their end. All they are about is making money. Yes when paid on time it shows on the credit report but it still doesn't make it right to play with people credit when the amt is paid on time or if they're in a hardship.

You ppl are all stupid if you read your terms and conditions for once youd understand whey there are fees and why you are denied increases...your denied increases because your your history in general not with just fpb. also they dont just give increases becuz that pulls ur credit which causes and inquiry. and if you have bad credit it can affect you. so why would they do it with out your permission?...and fees...they have fees cuz you are payig for a program not a credit card. Your paying for MONTHLY reports to the 4 credit agencys. (4th is inovis data solutions) if people would take the time to learn about what they are signing up for they wouldnt run into these problems

Thank you Sarah, EXACTLY what I was going to say. Close and pay off half your credit cards then try again.

i love first premier bank there is nothing wrong with first premier bank! the reason you probley cant build your credit is bc you have 2 many cc's! by stayng under the limit and always paying on time and showing you have avable credit on you cc's is what will build your crdt!the annual fee that they charge will put you over the limit if you dont have enough crdt but they will not charge you a over the limit fee and if they do they are required to crdt back!they do put the annual fee notice on the month before stmt so that you are aware when will bill!wish you luck though on this and hope it changes your point of view!