First Premier Bank
Reviews and Complaints

I wish I knew if Wachovia / Wells Fargo had a contractual agreement with them... If you know please message me.

Anyone who gets a Bad Credit Credit Card" does so for one reason and one reason only. They have "Bad Credit". You (and I) are a risk and a huge one at that. Regardles of our intentions now this is how they see us and rightly so. There is a price we all have to pay for bad decisions or wrong moves or unfortunate circumstances. A Ying and Yang if you will. With bad credit it's rediculously high fees. That's the game. Thats how they minimized the risk. Think about it youre getting an unsecured line of credit which the system says more than likely you will not pay back. So what do they do. They minimize theyre potential losses by making you pay up-front. What ever name they want to tagged on it (processing fee, service fee, participation fee, maintenance fee, etc) thats what theyre doing and so would you. You want to minnimize your fees? Get a secured card. It is what it is. Now in defence of First Premier Bank they specialize in these types of cards and to be honest they are one of the best and have on average the lowest fees. Now Cartman is right about the hold so let me tell you how to get around it. Pay online through your banking institution. Now if you pay online thru your bank via bill pay or whatever this is the issue. IF YOUR BANKING INSTITUTION THOSE NOT HAVE A DIRECT CONTRACTUAL AGREEMENT WITH THE CREDIT CARD ISSUER A 3RD PARTY IS USED TO PROCESS YOUR PAYMENT. Hence the hold. Which is why I have never had a problem with my payment getting there on-time every time and it post the next day electronically, automatically to my credit card account and my available credit is restored instantly. In other words no ACH, no hold, but a direct electronic transfer from my checking account to my credit card account as a payment. I have five "Bad Creidt Credit Card" including the infamous Contintental Finance and even with them it works the same way. My bank has contractual agreements with all my creidt card issuers and most others and I make sure this is so before I even apply for the card. Just some advice from one who knows.

Also, if you used Western Union Quick Collect or Moneygram, OR a debit card, those are guaranteed funds since the money is paid up front, which means your credit on your card will be available the next day to 2 days later. All of this I have learned by talking to the very helpful customer service reps! :) Yes, you have to pay a fee, but 12$ to send out a payment verses 50$ in possible fees that could get charged sounds better to me!

Ever heard of a bounced check? Same concept. Sure, the check means that you are paying for the merchandise, but if a few days later they cash it and the funds aren't there, the payment is no good. The payment is held to make sure that it comes through. I have a credit card with Premier and have always been a good customer as well, paying the balance in full, ect. and this happened to me as well. They call it a "payment float" and it can happen UP to 20 days, not for 20 days. It also happens at random which is probably why you were confused. Premier has helped me regain decent credit, and is still helping me. Also realize that those customer service reps talk to ###s every day about 75% of the time. (I used to be a customer service rep for Direct TV) I'm not saying you are one, but telling someone at a professional establishment that he is full of it, didn't help your case much.

Mistakes happen though, we are only human. Give them a break.

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.

Since I lost my job they have been calling me twice a day and hanging up with no caller ID. Annoying.

First Premier sent me, an application for their card, NOT REQUESTED BY ME! And, inluded in the "sales pitch" was a notation that BEFORE the card would be activate, I had to send a payment of $75.00! Everything sent bad vibes, and I did not mail the "fee", and tore up the app. & card. One month later, on a statement from my bank, I was shocked to see that these crooks made an automatic [EFT] deduction from my acct. in the amt. of the $75.00 fee! And, in talking to the bank, well, they can't, or won;t do a darn thing unless I can come up w/ the person{s] involved with transaction! And, to make matters worse, I NEVER GIVE OUT ANY PERSONAL INFORMATION TO ANYONE, and since this was just a letter, HOW DID THEY GET THAT INFO.? Oh, and that phone number, is now disconnected and not one soul will answer my questions! And, this has been my number obne mission since this whole fiasco started! Does anyone know: 1] His "real" name? 2} A working ph. #? 3] What affiliation, such as another bank that he;s connected with? I am at the end of my rope, and being single, disabled and "trying" to make mends meet w/ a meager SSDI chk., [pay housing, utilities, oil for heating, countless medical bills, purchase food [other than "Ramen noodles"] & so much more... If anyone is able to help, I'd be eternally graeful. Thanks in advance, Patti

I also have a Premier Bank card that was closed but they keep adding fees on it. I told them I was unable to pay because I lost my job due to my health but they don't care. Premier Bank just keep calling me 10 times a day. I even got to the point where I would have other people answer my phone to play jokes on them. Now they just hold the phone. Isn't this illegal or what? I told them just to send it to some one else. No they would not do this since they just like adding more fees.

I forgot to say I had a master and a visa. They close the visa and I havn't heard anything about this one. Does anyone know how to get them to stop calling? *77 does not work because then they call from the regular number.

I am having the same exact problem. First Premier Bank is calling me with an unknown number telling me I have a MasterCard with them and I don't. They wanted me to give them my info, so I suspected it was a phishing call and wouldn't give them anything. They refused to tell me what info they have for me until I spoke to a supervisor who was extremely rude. Turns out they have a different address, city, state and SSN. I've been told several times that they will stop calling, but they don't. I get approximately 12 to 15 calls a day from them. I finally had to *77 so they cannot call without unblocking their phone number.

SUE'EM I did and so should everyone else. First Premier is a bottom feeder. They are just as bad if not as worse that wal-mart. I sued and so should everyone else.Its real easy go to small claims court write your deal, pay 30 and present your caes.

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!

Back in October I had the same issue as well. I paid my monthly fee and it was confirmed. Then come 5 days later said I owed $90 for a late fee but I could pay 60 that the time, even though I already paid it. It never showed up in my bank account either but first premier said it was confirmed so I don’t know. I would also like to be added to the lawsuit if my explanation is able to be in it as well. mercedes.iles@gmail.com

I also have had the same exact experience my account is now closed and dropping my credit score due to a full balance but both statements plus all of my payments are credited it shows returned payments in the transaction log but the money never came back to my bank account and shouldn't it say on the payments returned not credited? Plus when I made the payments my balance would go down and I would get conformation emails saying payment confirme. I would like to be added to the lawsuit my email is dawnbladewarlock21@gmail.com

Richard I had the same experience would like to be added to class action, is there any way I could do so without posting all my personal information on public media? I would like that. Is there an email I could go to or website.

Thank you very much for stepping up. Not all of us have the means or know how to seek legal action or even know when a company is acting outside of the law, so I appreciate your actions as well as you sharing this information and invitation to join in.

The MyFirstPremierCard was designed for those who have less-than-perfect credit. It includes other services such as Premier Credit Manager and Premier Credit …

I have the First Premier MasterCard. Made a large payment to have the credit card for a hotel stay for a trip for cancer treatment. They require a Credit card for motel. They took money out of the checking account but my account shows I have no credit available. Cancelled appointment and given spiel about 7-2- days to make it available. What? Payment posted but no available credit.

I have also had money taken from me from FPB CR card. Took forever to talk to someone, since they was no option to speak to an agent. Then when I did cancel the credit card application I didn't apply for they said 6 days before I get my money back. I call today and now they say 7 to 10 more days before check is mailed. This I ridiculous. Did anyone get there money back?

I am having multiple issues from fraudulent charges to late fees after the bill was paid on time. When I call I have been hung up on multiple times but in the end they reverse the charges so I know it's a scam. They have even credited me an amount different and of course lower than what I actually paid. What a nightmare for people trying to rebuild their credit. Please tell me there is FINALLY a class action suit against them that I can join?

I have also been experiencing hardships from this bank's business practices. I have received a statement for minimum payment due which was later increased before payment billing cycle was due to close. They claim I am over my limit, however I cannot even make purchases that exceed my limit. So what over- the - limit are they charging me for.

PIST...I MADE MY PAYMENT ON MY CARD AND NOW ITS LOCKD

I am glad I came across this site. I thought I was the only one going through it with this company. I received a letter in the mail a couple of days ago stating that my payment did not go through and that I was now required to make a late payment, fees added on. I believe they used the "hold for 20 days" tactic on me and am not too happy about it to say the least. My balance on the card was around $150 and now with all these fees and the fact that APPARENTLY my payment was never credited, which, by the way, makes sense now since I never saw it appear on my bank statement, although I had sufficient funds. I have a new balance of $311.11. To top it off, they upped my minimum payment to $100 instead of $30. If I don't make that payment, then what? They're going to report me to the credit bureaus? The only reason I got this card was to help build my credit and now I feel totally robbed and back where I started. I wish I had the money to just pay them off and be done with this card, but after reading thru all these horror stories I can't help but wonder if it would just be best not to give them one red cent and let the damage be done. It seems they are never satisfied and people who are trying to do the right thing get no where. I would so love to join in a lawsuit against them, it really ticks me off that this type of thing happens. I live in GA; If anyone wants to talk about any similar experiences, etc., email me at xtinawllmsn@yahoo.com. Everyone have a great day.

I paid off my first premier secured bank card on 2/15/2024 and today go to use it and it is declined. I checked the site and app and says I have a zero dollar balance. It is only when I call the back of the card that I get a message that states my credit card privileges have been suspended.

I don't have any cards from FPB, on Dec 15th received the transaction on my checking account screen shot of transaction attached. Looks like fraudulent transaction and bank did not do any validation before passing the transaction.

Kindly help in resolving the issue,

The CSR of Premier Credit Card, without nor knowledge/ permission took out $758 from my Credit Union. Agreement was 75... There was an overdraft charge... My credit union informed me/spoke to the Fraud Unit...Back in August 2023...I have emails from Premier as well...The Credit Union can confirm all...

Some one changed both my phone number and email address from the following account- [protected]. email address has been and should be dcmoses21@gmail.com and phone should be [protected] which it was for a long time. These need to be restored and the password id chebarDCM11.

Please explain why I am being charged multiple times a month for this credit card. I want my money back and you can have your credit card back. Now

07/05/23 FPB CR CARD INTERNET 070123 WEB264244365 TONYA ONEILL $200.00

07/05/23 FPB CR CARD INTERNET 070123 WEB264244243 TONYA ONEILL $110.00

On 6/22/23 this "FPB CR CARD INTERNET WEB263201387" was charged to my bank account for $298.27. I do not have a credit card with your company. I have the persons name it is linked to, should you want it for your fraud department.

i had this card ending 4833 for montrhs and aoways paid off balances and charged small and big and i now your froud department suspended for something that never happen its wrong what you all did now i dont feel good about premier bank i wish your ceo would call meat 83023386zz the numger you might have [protected]

I was looking at my checking account online and noticed there was an unauthorized charge made on 03/03/23 on my account for $568.46 (internet transaction) which I didn’t recognize nor authorized.

I immediately called my bank and notified them and received temporary credit while they are investigating the issue.

I have two charges posted on my checking account from First Premier Bank. The charge comes up as "FPB CR internet Direct Debit". The first one is for $35 and the second for $40. I have never been associated with First Premier Bank nor did I authorize these charges. The payment type says "cash" and the charge is pretty Elusive.

I have neither done business with, nor ever contacted this company. They're in South Dakota; I am not even remotely close to this State. I found a hard credit inquiry on my report, from FIRST PREMIER BANK on Feb 3rd, 2023. Did they let someone open an account with my information? If so, they're gonna find out they're messing with the wrong person.