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1.8 181 Reviews

First Premier Bank Complaints Summary

36 Resolved
142 Unresolved
Our verdict: When using services from First Premier Bank with a poor resolution rate, be vigilant. Understand the common pitfalls other customers have faced. Prepare thoroughly for any interactions with their customer service, and consider alternative solutions if your issues are not addressed satisfactorily.
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First Premier Bank reviews & complaints 181

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6:11 pm EDT
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First Premier Bank OVER CHARGED AND CHARGED MY BANK ACCT WRONG

I had a First Premiere Bank credit card and closed it last month. When I called she was negotiating the balance down for me, since I was closing and just been charged a bunch of annual fees. When I hung up I was under the impression that my account was at zero, hence why it was being closed, and that the total amount I paid cover everything, including the $11 fee to pay the payment over the phone.

I received a statement in the mail today. It did show the account was closed, but it also showed that I owe another $42.82. Not only that but they took $10 more of a payment out of my checking account then what I was told, or agreed upon. The amount also was suppose to include the $11 payment fee; however on my statement it shows the payoff amount $10 higher then what I agreed AND a fee of $11 for the payment.

I called, thinking that it was just an error and they would fix it. Instead I was told that the person I had spoke with messed up and told me the wrong amount, on top of already debiting more then she was suppose to out of my bank account and adding on the $11 fee in addition to. I told them that the amount we agreed upon was suppose to cover everything and put the account at zero; which is why it was showing closed. She said that I owe $45 more and would have to pay that today. I told them that I should not have to pay anything when they are the ones that screwed up, supposedly. I told them that I want the tapes reviewed of our conversation where she is telling me that it would be at zero. So now supposedly they are going to review the tapes and I have TO CALL THEM BACK in a few days.

This really makes me mad and is really bad business, especially considering I have had an account with them for the past 2+ years with no late payments and paid the thing off like they wanted.

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4:13 pm EDT
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First Premier Bank over charge

They keep sending me card in the mail tell me my credit limit was 250 dollars when i use the card to get items 50. 00 dollars. Two days later they call me and said i was over the limit by 25. 00 dollars. Now i owe 525. 00 dollars on a debt a 50. 00 dollar debt. ### you first premier bank and i hope nobody fall for you all scam.

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dude901
Thackerville, US
Sep 14, 2009 10:08 am EDT

Hey i always pay all of my bills on time every time but no other co. would give me a credit card. First Premier Bank did, yes it cost to start with they have always answered my questions honestly when i call, fast and friendly service thank you Premier Bank. David

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PUT THINGS IN PERSPECTIVE
Washington DC, US
Aug 23, 2009 7:18 pm EDT

YOU DIDN'T READ THE TERMS! before applying or signing your name so you can't blame them for your mistake. They are a a company that helps build or rebuild your credit by offering credit to someone that's turned down by most other credit cards. Therefore, they charge you a fee off the top to do so. I had a card with them and it tells you that your card will have a 9.9% interest rate. It also tells you:

By submitting this application you understand that your initial credit limit will be at least $250.00 and the following fees will be billed to your first statement: Annual Fee of $48.00, Account Set-Up Fee of $29.00, Program Fee of $95.00, Monthly Servicing Fee of $7.00, and an Additional Card Fee of $20.00 per card (if applicable). These fees will reduce your available credit until they are paid.

Everyone needs to read more before signing your life and or credit away. Take responsibility for your own mistake and not paying the bill is not hurting First Premier, it's hurting YOUR credit and making it worse than it was in the beginning!

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Jenna River
San Diego, US
Jun 29, 2009 1:26 am EDT

Sounds like you didn't pay the bill so that is why you owe so much. You should pay you bills by the due date to avoid fees, it's really that simple.

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9:17 am EDT
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First Premier Bank refused to give credit for annual fee charges

I called Customer Service to close my account (I had just under 100 dollars balance) but they refused to give me back the 48 dollars they charged me in advance for annual fee covering the period April 2009 till March 2010. I did not charge any purchase to this card for more than 3 months. How is this possible when I clearly indicated to them that I no longer want to have this credit card? This is clearly a ripoff because the contract agreement does not say that they can just charge me for renewal even though I informed them about a month in advance that I no longer want to continue with their services.

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12:24 pm EST
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First Premier Bank - overcharged

I'm in the process of rebuilding my credit score, and I applied for a credit card with First Premier Bank. I was on Free Credit Report.com checking out my credit score last weekend, and decided it was imperative to own a cc again. After navigating the site for awhile, I noticed an ad for First Premier Bank. I assumed that if Free Credit Report allowed them...

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9:55 am EST
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First Premier Bank ### company

I was new to the country when I got suckered into this credit card. The card has a bunch of fees on it when you get it. I made a mistake of paying one of my bills on it (in hard economic times) and I am still paying for it. I forgot to make a payment one time and I remembered on the day it was due and they wanted to charge me 11 bucks for making a payment over the phone on top of my payment. I was charged 7 bucks extra for paying online. Jeez; fees with everything. Who charges its customers for making a payment for giving them money. I am transferring the balance as soon as my payment posts and than closing this ### stupid ###ed up card! PLEASE EVERYONE BEWARE AND DO NOT GET A CARD FROM THEM.

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sarah
Sioux Falls, US
Feb 26, 2009 11:44 pm EST
Verified customer This comment was posted by a verified customer. Learn more

THE REASON FOR FEES IS BC YOUR A HIGH RISK CARD HOLDER! the fees are there bc u are trying to rebuild ur credt and they are at risk giving u a credit card!

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10:54 pm EST
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First Premier Bank charging balance without buying nothing

first premier bank
attn.chargeback department
pobox5524
sioux falls sd.[protected]

I never fill that card

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Update by manuel correa
Jan 07, 2009 10:59 pm EST

i never fill the two card. i made one payment of $25.00 for first premier bank without take anything. And got other balance. the other one is not activated(lpc)

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6:26 am EST
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First Premier Bank - terrible experience

I have had a First Premier Mastercard for 2 years with a $300 limit. Each month I have paid the full balance due to avoid fees. This week I paid them $320.67 through my bank's internet banking service, d rawing the funds directly from my account and sending via ACH (Automated Clearing House) which guarantees payments between financial institutions. When I...

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10:41 am EST
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First Premier Bank scam charges

This company initially charged $200.00 to start card up after calling to cancel unwanted card. Rep talked me into keeping card open to build credit easily. I am a single mom and I was looking for a way to establish good credit history. I decided to keep card. The first payment came due, no purchases had been made on this card. I was only planning to pay off the amount First Premier charged me to start card. I paid way in advance, well over the amount due by at least 10 days before due date, received confirmation number. 10 days later received phone call that my payment was not received & that I had been charge almost $80.00 late fee. Explained to Rep that I had confirmation number and that I had paid in advance before due date. Rep told me that the system probably didn't catch my debit card number and she would waive up to $30 of late fees and the $11 charge to pay by phone. I agreed thinking that maybe she was right about the system not catching my debit card number or me possibly making a miss punch when putting in my card info over the automatic pay by phone system. I don't think looking back that I made a mistake otherwise I would have not received a confirmation number if info was incorrect. I finally did make a purchase on the card at Bath & Body for about $40.00 then dinner at a local restaurant for $26.00. I had available credit of almost $90.00. When I received my next bill I received over limit charges, cash advance charges ***Never did a cash advance*** I called immediately, the rep I spoke to was extremely rude. I told them I want to cancel and close this card. The rep refused to close card, then finally said she would cancel card. After a week I received a letter stating that I now owe First Premier over $400. My total purchases on card were below $68.00. They are reporting me as negative because I refuse to pay the ridiculous over limit fees and late charges they have assessed since that fatal mistake I made of making a payment on time before the due date & letting the Rep talk me into keeping a card I did not want so that it would help me build credit. I pay my bills on time. I finally researched this company and have found several people with the same 'System didn't catch debit card payment' for the first time they tried to make an on time payment. Please include me in any class action law suit so that I can get this company from hurting me any further. I am not looking for money... I just want my hard work to build good credit as a single mom struggling to reflect.

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rayismad
Stewartville, US
Feb 06, 2011 2:00 am EST

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.

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KENNETH WILGUS
Wayne, US
Nov 04, 2010 10:37 pm EDT

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

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retho
Newnan, US
Jan 18, 2010 12:18 pm EST

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.

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JONTE
Baltimore, US
Nov 15, 2009 6:22 pm EST

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

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JONTE
Baltimore, US
Nov 15, 2009 6:15 pm EST

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.

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JONTE
Baltimore, US
Nov 15, 2009 6:07 pm EST

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

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8:26 am EST
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First Premier Bank scam billing

I have no idea how they got my information, but First Premier Bank has made TWO unauthorized checking account withdrawals from my Chase checking account. I am currently out of the country, and when I checked my account on www.chase.com, I noticed that my checking account had been debited $230 on October 29, 2008 and $164 on November 2, 2008. Both debits were made by First Premier Bank. I called the Chase Fraud Department right away and they said that they would have to issue another debit card because from the looks of it, the debits were made over the internet. Also, I have to wait 10 days to fill out paperwork and get my money returned in my account. The only problem is that I do not have any idea as to how this company got my information. I am very secretive with my account information; my closest family members do not even have access to my accounts. This bank is making fraudulent charges and something needs to be done about it. I tried to contact First Premier Bank, but it's automated system does not have an option to speak to a representative, and you can only get through if you have an account with them. I plan on hiring a lawyer and going after this bank. From what I have read, I am not the first person that this has happened to.

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Karen
,
Feb 27, 2008 6:40 pm EST

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.

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Sweet
,
Jul 28, 2006 12:00 am EDT

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.

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Melinday66
College Park, US
Mar 01, 2009 7:33 pm EST

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.

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jcarl95
,
Oct 16, 2008 9:19 pm EDT

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]

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jagirl
, JM
May 28, 2014 8:30 am EDT

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...

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jagirl
, JM
May 28, 2014 8:29 am EDT

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

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tllngc
, US
Oct 20, 2010 9:41 pm EDT

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.

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misschrissi
Homerville, US
Nov 08, 2009 2:20 pm EST

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?

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madamsmall
, US
Apr 08, 2009 7:19 pm EDT

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!

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madamsmall
, US
Apr 08, 2009 7:18 pm EDT

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.

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10:48 am EDT
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First Premier Bank fraud and scam

Do not get a Premier bank Credit Card. They started my credit limit at 350.00, but the want 175.00 1st year enrollment fee and activation fee. If that were not enough, they want to charge me 7.00 a month for the credit card. They are insane and I am insane for getting the card.

They will not issue a credit for the amount of money they charged for the 2 months that I had this card in my wallet. I called them to cancel my card and prorated the 2 months that I had the card and they said that they can not do that and that I have to pay for the card anyway

Do not get this card!

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Vorless DarkChaos
Gilbert, US
Feb 14, 2009 8:48 pm EST
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It is not Fraud or a scam

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1:40 pm EDT

First Premier Bank unauthorized billing

I have had my first premier bank card for several years. I lost my job of 21 yrs and was having trouble paying my mortgage, bills and my credit card. When I became a few days behind, they called me at home leaving messages as well as my cell (while I was at work, new job trying to get back on my feet). They were very rude and insisted I call, which I did and told them my problem. They said I could send some money ($45) I did but them they kept piling on fees so that my balance went from $300 to over $800 in one month. They then began to call me 6 or 7 times a day every day. I did not know what to tell them. Then I got a message on Sun 8-31 at 2:30pm that I had until 3pm to call them back or they would charge off my account on my credit. I called at 2:50pm. The lady was very rude. I could not hear her for all the laughing and talking going on behind her. I asked for Breann who left the message but she said she was busy and couldn't talk. She pulled up my acct information and told me that they were going to charge off my account. I told her that the message said I had until 3pm and it was still 5 till. She said that the only way I could stop it was to pay $100 within the next hour via Western Union. I told her I didn't know where a Western Union was near me. She then said she would look it up, but then after a few minutes said "oh well, I can't find any Western Union in your area and it's 3pm so your account is officially charged off" When I tried to explain that I had just gotten the message and had called before the deadline, she laughed and said "it's not fair to us that you didn't pay your bills on time so there is nothing you can do" She then hung up on me. I wish there was a way to put these people out of business. Consumers are having a bad enough time trying to keep their homes and lives without companies like these creating it so they can not. This has caused a depression for me and I wonder why I even try anymore to be an honest consumer when they don't care.

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Orange County Debt Settlement Group
San Clemente, US
Aug 20, 2009 5:38 pm EDT

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

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4:06 am EDT
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First Premier Bank fraud and scam!

I had an account with First Premier Bank and I canceled the card due to the fact that I was being charged monthly fees on top of numerous one-time fees. It was just too much to handle. Since I have canceled, I have been charges more fees and I checked the balance and recent charges and there are more charges after I canceled the card. This is not right and I think that something should be done about all of this wrongdoing. People are already having hard times now as it is without companies taking extra advantage.

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Linda Prozialeck
, US
Jun 04, 2022 12:10 pm EDT

I received a credit card I never applied for in the mail. When you call the number on the card, there is no option to speak to a customer representative. I finally found a way to get through - the customer service representative tried to tell me it had been fraudulently opened. I know the is not true because I have a credit stop on any new credit with Equifax. There is no way First Premier bank could have done a credit check to issue this card since I would have been notified of it. This company is fraudulent and should be investigated !

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Lawrence Widdoes
New York, US
May 26, 2009 8:13 pm EDT

I almost fell for the Premier Bank Scam. Fortunately I did some on-line research and was happy I did not fall for it. They offered credit a limit of $350.00. All I had to do was make an initial purchase with the card and then I would be billed for $171.00 - covering a myriad of fees. I almost did it. But I thought something was wrong. Even the envelope the offer came in smelled bad! Surely something can be done about this...

Lawrence Widdoes

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12:58 am EDT
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First Premier Bank credit card solicitation with security processing

Received a snail mailed solicitation for the First Premier Platinum Card. This enabled me to pay: processing fee, set-up fee, 1-year's worth of monthly processing fees, membership fee, etc. PLUS I was informed of the Security Processing of my prospective monthly payment: 20-days! I called the telephone sign-up line and spoke with a rep. I voiced my opinion---unmitigated greed of the bank and that this customer service person please consider the company whose bidding she does. She then became irate. Her constant refrain was "I'm helping people. I feel good about myself. What good are you doing by complaining." She wasn't much interested in listening to my response, "I represent the average, reasonable adult who is angered and insulted by the sham do-gooder offer. Please try some integrity. Stop these solicitations. Please wake up!" She was nearly out of breath talking and talking and talking with no let up until she hung up.

One last thing that I recently learned. Every credit card solicitation you receive in the mail is considered a so-called "soft inquiry"-- a knock against your credit score. Banks created this nightmare. Don't vote for any would-be elected representative who takes money from banks!

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madamsmall
, US
Apr 08, 2009 7:50 pm EDT

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?

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8:34 pm EDT

First Premier Bank late fee

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.

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9:23 am EDT

First Premier Bank late payment scam!

If you want to make First Premier pay attention to these complaints, then as a group we all need to file complaints against them with both the Attorney General's Office of South Dakota and your state's Attorney General's Office. This is how the New York city lawsuit began that caused them to have to pay $4.5 million to people they defrauded. They won't pay attention until you complain to agencies that will actually go after them. Here is the Attorney General of South Dakota's website. Just click complaint and file it. When they get numerous ones they will take action. http://www.state.sd.us/attorney/office/divisions/consumer/default.asp

Also it does not hurt to file a complaint with the Comptroller of the Currency and the FDIC.

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M wolf
longmont, US
Dec 21, 2009 12:48 am EST

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.

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M.B
,
Apr 09, 2008 8:30 pm EDT

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

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V.Eves
,
Mar 27, 2008 8:32 pm EDT

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.

ComplaintsBoard
B
6:15 pm EST

First Premier Bank unauthorized charges on my credit card

I have unauthorized charges to my credit card for the past 3 months! There is no phone # or contact person. I want reimbursed for those charges that are $9.95. Reference Number 1512183dxstok8g1f which the last one was made on 2/13. I do not know why I am being charged for this...I did not order anything or ok any purchases.
Thank You.

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12:00 am EST
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First Premier Bank - getting calls from unknown name, unknown number!

I was getting calls that caller ID showed as unknown name, unknown number. No message left on the answer machine. After a few weeks of these calls, I answer. I'm (first name only) of premier bank calling about your credit card. I tell them I have no card, they tell me that I do and I'm past due. They want personal info to resolve this. I tell them to...

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12:00 am EST
Resolved
The complaint has been investigated and resolved to the customer’s satisfaction.

First Premier Bank terrible company!

I have been a customer with First Premier Bank for over three years. I have 2 credit cards (Centennial and Platinum) issued by them. During the years I have been a customer, I have always stayed under my credit limit and paid my bills before the due date; usually more than the minimum due. All this time I never requested and was never offered a credit limit increase (my current limits are $200 and $300.) I have been repairing my damaged, but not horrible, credit over the last year or so and have 2 other credit cards (Rewards660 and Aspire) with $1000 credit limits. I also have an HSBC and Total card with $300 limits, but they are newer.

My issue is that I am planning to pay off and close my low limit accounts in hopes of further improving my credit. Since the First Premier cards are relatively long standing, good accounts I didn't want to close them. I, for the first time, requested a credit limit increase and was denied; they say because of my credit history. But, they also say that they don't access one's credit report for limit increase requests.

This does not ring logical with me considering the fact that all my other cards are under the limits and are always paid on time also. During the next billing cycle, First Premier charged their excessive annual fees, and that, coupled with their other fees/interest put me a couple dollars over limit for the first time. Obviously, they were quick to add the overlimit fees as well. I didn't fight this because I take responsibility for my own balance and have since paid my accounts back under the limits.

I don't know if anybody is given increases from this predatory company, but I believe that I was denied just so they could charge me the overlimit fees. I plan to pay off these worthless cards and close the accounts. Please do not support this card issuer. Get an Aspire or Orchard card instead.

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Barbara Mingee
, US
Jul 20, 2016 6:57 am EDT
Verified customer This comment was posted by a verified customer. Learn more

I received a card and a bill in the mail and I had never applied for this card. I now have a bill for 124.61 for fees and late fees . I called them to no avail and I believe they may have reported it to the credit bureau . I also had cut up the card and mailed it back to them and still received a bill for a due date of 8/08/2016 . I have good credit and want to know what I can do to get rid of these bills for charges I have never used.

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Reb Fire
, US
May 04, 2019 1:05 pm EDT
Verified customer This comment was posted by a verified customer. Learn more

Turn it over to your State Attorney General's office. They prosecute consumer fraud and they can shut those crooks down.

Wine Is Good
Wine Is Good
, US
Jul 20, 2016 6:57 am EDT

People really need to educate themselves on the word UNETHICAL.

What you should be doing is pulling your credit to see if you are a victim of identity theft. Instead of blaming the creditor, who also may have been defrauded, you should be working with them since they too are a victim. There is absolutely nothing unethical about collecting a debt. It is unethical of you to ignore this issue and pretend it does not exist.

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Reb Fire
, US
May 04, 2019 1:08 pm EDT
Verified customer This comment was posted by a verified customer. Learn more

"Unethical" is when you CLOSE your credit card account with a ZERO balance and the card company RE-OPENS THE ACCOUNT AND ALLOWS A $450 CHARGE ON IT! That's okay because the State Attorney General's office where I live has a kick [censored] attorney that can ream these crooks a good one.. can't wait to see that happen. I'm hoping there will be a class action that will PUT THEM OUT OF BUSINESS! That is the proper reward for being "unethical"!

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Amy E. Swartz
The Woodlands, US
Feb 28, 2010 10:38 am EST

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

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pnk4me
Eagle Point, US
Oct 03, 2011 4:35 pm EDT
Verified customer This comment was posted by a verified customer. Learn more

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...

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UseryIsBadMkay
Los Angeles, US
Feb 09, 2011 8:55 am EST

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.

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doccuke
Braintree, US
Nov 16, 2010 7:38 am EST

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!

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Miika
Quincy, US
May 20, 2009 10:35 am EDT

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.

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colette
vegas, US
Apr 27, 2009 7:08 pm EDT

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

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Cartman
, US
Dec 13, 2008 8:28 pm EST

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

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sarah
Sioux Falls, US
Dec 06, 2008 7:15 pm EST
Verified customer This comment was posted by a verified customer. Learn more

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!

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12:00 am EDT

First Premier Bank someone else used my social security number!

I recently inquired about a letter I received from First Premier Bank. I contacted the Bank stating that I did not feel comfortable about mailing the info requested. After giving my social security number I was informed that my information did not match the information you had in your system. I was told that my issues would be addressed and I would be contacted.

This was about a week ago. I am sending in a letter to make sure my complaint is noted.

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First Premier Bank - withdraw money from account and did not post it to the account!

First Premier Bank withdrew money from my account with authorization and did not post it to my account. It has been 8 days now and counting. First they told me it was some sort of security hold, I asked to speak to the security people and was told. "they don't have a phone in security", Then I was told by another person that they have the right to withdraw...

Read full review of First Premier Bank and 41 comments

First Premier Bank Customer Reviews Overview

First Premier Bank, a leading provider of banking and financial services, is highly recognized for its comprehensive suite of services ranging from personal and business banking solutions to credit card offerings and wealth management. Throughout its years of operation, the bank has consistently received positive reviews from its customers, praising its diverse financial products, robust customer service, and commitment to meeting customer needs.

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

  1. Personal Banking: They offer a variety of personal banking options, including checking and savings accounts.
  2. Business Banking: Business customers can find services tailored to their needs, from accounts to merchant services.
  3. Loans and Credit Options: Customers have access to several loan products and credit options.
  4. 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.

How to file a complaint about First Premier Bank?

Here is a guide on how to file a complaint or review about First Premier Bank on ComplaintsBoard.com:

1. Log in or create an account:
- Start by logging into your ComplaintsBoard.com account. If you don't have an account, create one to proceed.

2. Navigating to the complaint form:
- Locate and click on the 'File a Complaint' button on the ComplaintsBoard.com website. You can find this button at the top right corner of the website.

3. Writing the title:
- Summarize the main issue with First Premier Bank in the 'Complaint Title' section.

4. Detailing the experience:
- Provide detailed information about your experience with the company. Mention key areas, transactions, steps taken to resolve the issue, personal impact, and the nature of the problem.

5. Attaching supporting documents:
- Attach any relevant supporting documents to strengthen your complaint. Avoid including sensitive personal data.

6. Filing optional fields:
- Use the 'Claimed Loss' field to state any financial losses and the 'Desired Outcome' field to specify the resolution you are seeking.

7. Review before submission:
- Review your complaint for clarity, accuracy, and completeness before submitting it.

8. Submission process:
- Submit your complaint by clicking the 'Submit' button.

9. Post-Submission Actions:
- Regularly check for responses or updates related to your complaint on ComplaintsBoard.com.

Ensure each step is clearly defined to assist users effectively in filing a complaint or review about First Premier Bank on ComplaintsBoard.com. Remember to focus on guiding users through the process.

Frequently asked questions (FAQ) about First Premier Bank

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Is First Premier Bank a legitimate 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.

Is First Premier Bank FDIC insured?

Yes, First Premier Bank is FDIC insured, which means that customers' deposits are insured up to the maximum amount allowed by law.

Does First Premier Bank offer nationwide services?

Yes, while First Premier Bank is based in South Dakota, it offers its services to customers nationwide.

What kind of banking services does First Premier Bank provide?

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.

"Is the First Premier Bank credit card legit?

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.

Is First Premier Bank safe for online banking?

Yes, First Premier Bank uses encryption and other security measures to keep its online banking platform safe and secure.

Is First Premier Bank a good bank for personal banking?

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.

Does First Premier Bank report to credit bureaus?

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.

Is First Premier Bank customer service reliable?

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.

What is the history of First Premier Bank?

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.

Does First Premier Bank have physical branches?

Yes, First Premier Bank has physical branches, primarily in South Dakota. However, they also offer online and mobile banking services to serve customers nationwide.

Is the First Premier Bank mobile app secure?

Yes, First Premier Bank's mobile app uses several security measures, including encryption, to ensure the safety of its users' information.

What kind of loans does First Premier Bank offer?

First Premier Bank offers a variety of loan products, including personal loans, home equity loans, and business loans.

Does First Premier Bank offer savings accounts?

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.

Does First Premier Bank offer investment services?

Yes, First Premier Bank offers wealth management services which can include investment services. They provide tailored strategies for individual, retirement, and business needs.

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Contact First Premier Bank customer service

Phone numbers

+1 (800) 987-5521 +1 (605) 357-3002 More phone numbers

Website

www.firstpremier.com

Your Voice Matters: Our Commitment to Genuine Reviews

Empowering Real Experiences

At ComplaintsBoard, we believe in the power of true customer stories. Our platform is a space for authentic voices, where experiences, both good and bad, are shared openly and honestly.

Dedicated to Authenticity

ComplaintsBoard is vigilant in our fight against false reviews. Our team employs robust verification methods to ensure every review reflects a real customer experience, upholding the integrity of our platform.

Encouraging Detailed Feedback

ComplaintsBoard values reviews that come with real evidence. Whether it's a photo, a detailed account, or additional documentation, such substantiation adds credibility to your story, helping others make better-informed decisions.

Balanced and Constructive Conversations

We're more than just a complaints board; we're a community for balanced dialogue. ComplaintsBoard encourages reviews that not only highlight issues but also acknowledge positive aspects, fostering a fair and comprehensive understanding.

Free and Fair Platform

ComplaintsBoard's commitment to maintaining a free and unbiased platform is unwavering. Every review is treated equally, ensuring that your voice is heard and respected, regardless of the nature of your experience.

Is ComplaintsBoard.com associated with First Premier Bank?

ComplaintsBoard.com is not affiliated, associated, authorized, endorsed by, or in any way officially connected with First Premier Bank Customer Service. Initial First Premier Bank complaints should be directed to their team directly. You can find contact details for First Premier Bank above.

ComplaintsBoard.com is an independent complaint resolution platform that has been successfully voicing consumer concerns since 2004. We are doing work that matters - connecting customers with businesses around the world and help them resolve issues and be heard.

Use this comments board to leave complaints and reviews about First Premier Bank. Discuss the issues you have had with First Premier Bank and work with their customer service team to find a resolution.