fraud and cheating
I rarely have used this card with a $250 yet I owe $368. Although I have paid this 250 over and over again. They charge this outrageous fee that is a made up they find a way that you then over your balance and they charge for an over balance fee. If you are close to your due date they wait to post your payment until it is late then a late fee. The late fee then puts your over the limit which is another 29.00.
I spoke to a representative on Friday not only was she very nasty but she could speak about a 25.00 charge that I made. In the conversation I mentioned that I paid 165.00 last week and I have a 17.00 available balance, she continuously mentioned that I used 25.00. What she didn't mention were 200.00 in fees that they have charged me. After the conversation I sent 106.00 which should have given me 123.00 available. I checked the available balance tonight I have an available balance of 6.00. At the very least where in the heck did the 11.00 go?
There strategy not only cost money but somehow gets reported on the report as late and over charged.
The complaint has been investigated and resolved to the customer’s satisfaction.
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.
The complaint has been investigated and resolved to the customer’s satisfaction.
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.
The complaint has been investigated and resolved to the customer’s satisfaction.
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
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!
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.
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.
The complaint has been investigated and resolved to the customer’s satisfaction.
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 to advertise, they must be legit.
After applying, I decided to google First Premier, and that's how I found [redacted].com. Needless to say, if I knew about this site beforehand, I would have known better than to apply, and would have looked elsewhere.
After reading the first few pages of reports on here about First Premier, I'm now terrified. I applied for this card solely to rebuild credit from mistakes I made when I was younger. I only wish to buy gas with it a couple times a month, pay my bill on time, and build credit. It doesn't even sound like this is possible to do after reading some of the reports. I've read about people paying well in advance of their due dates only to get late fees on their next months statements.
I don't care about the initial fee's upon activation, or the monthly fees associated with this type of card. I know thats the nature of these types of cards, and part of the game of rebuilding credit.
Does anyone have anything positive to say about First Premier? What are my options from here? I have not yet even received the card, so do I have the choice to not activate it upon arrival? I read a report on here of someone doing that, but it still showed up negatively on their credit report.
Money isn't an issue really, as I really only need the card for credit building purposes. Do I send large payments before I even get my bill to create a surplus and ensure no late payment fees?
If I am able to get out of First Premier, how or where do I go about finding a reputable credit building card?
The complaint has been investigated and resolved to the customer’s satisfaction.
I am constantly bombarded by pop ups from the First Premier Bank that is trying to push its Centenial Credit Card of which I have no interest in. I clicked on the unsubscribe which doesn't mean a thing. I called the bank & they told me they have no control over it. Any suggestions please?
My son accepted a credit card offer for a $300.00 limit. he did not use the card, however, when the first bill arrive he had balance of $185.00 fees. My son has a TBI Tramatic Brain Injury, which makes him suspect to using bad judgments. I called the credit card company to demand closure and refund of fees, but they would not talk to me.
What can be done to protect the consumer from these types of excessive fees. My son has limited income which consist of social security disability and a part time job. He has other credit card debt which he obtained in the same manner and is getting out of control.
The $185.00 in fees seems to be criminal and nothing can be done to prevent this in the future.
I received an ad in the mail for a 0% credit card last year and decided to give them a call. About two weeks later, I got my card in the mail. To my astonishment, my credit limit was $250.00 and I already owed them $175.00 in fees. I immediately called to cancel the card and try to avoid these fees but they refused to cancel it. I ended up spending the remaining $75.00 balance over the next week or two and have regretted it ever since.
Every time that I have commented on the extraordinary fees to someone at First Premier Bank over the phone they say that I am obligated to pay the fees because I have already used the card. To witch I reply that I tried to cancel it upon receiving it and was denied that opportunity.
I paid the entire balance of the card in January and asked that the account be closed. The woman that I talked to told me that I would no longer owe them anymore money and the card would be canceled. Here it is, not even April and I am getting calls telling me that I am over my limit and asking for a payment.
To make a long story short, I have spent $75.00, paid $250.00 and now apparently I still owe them over $300.00.
I really need help dealing with these people, a class action law suit would be good.
I will be contacting the South Dakota Attorney Generals office today.
First premier is the worst credit card company ANYONE could pick! For example, when you change your address they DO NOT inform you that you must call into their customer service to approve the change. So you sit and wait for your statement and your bill to come in the mail to your new address. It never shows. So you call and they tell you because you had a change of address and did not call in to them and approve the change(which they don't tell you again you have to do) they now charge you a late fee because you did NOT get your bill in time! Then on top of it, if you make a payment on the phone and, say, you may enter something wrong with your bank account debit card your paying the bill with, they SEND YOU A LETTER in the mail. Conveniently this is well AFTER your payment date (instead of placing a call to tell you something went wrong and they need a new payment method) and since you don't find out that the payment was not processed they AGAIN charge you a late fee for not paying your bill on time. Obviously you did, but there was an error. Who is to say there really was? Pretty easy to say OOPS sorry your payment had problems so you have to give us more money now. This company is a scam and they basically steal money from you ANY TIME THEY CAN! They DO NOT work with you in ANY WAY to wave ANY fees that may be charged to you. Even if you can prove it was a honest mistake. Such as listed above. THEY WANT THEIR MONEY and they DON'T care if they have to scam you out of it with so called fees they just take from you that are clearly out of control! DO NOT GET THIS CREDIT CARD to try to build your credit. It will ONLY HURT YOU more then help you!
Recently, I have had the experience with First Premier bank where they post the annual fee to a person's account whether or not it pushes you over your credit line. Then this low life company proceeds to harrass you on the phone literally daily wondering when you are going to make a payment to bring the balance under the credit line. I imformed these low life [censor], to stop calling me and yet they contiue to call. I am at the poiunt where I am going to report their activities to the Attorney General for my state of residence. This is RIDICULOUS...
Thanks for the heads up...
Its sounds like some of you could benefit from Pre-paid legal services.
For more information and help email: richardlambdin@prepaidlegal.com
Annie of Junction City, OH December 1, 2009
I have had this Visa through First Premier Bank for years, and have had NOTHING but trouble. The latest probelm was back in August someone had stolen my info and used my credit card online, I called in and closed that account and opened another with a NEW card-no problems I "thought".
Anyway I recieved my new statement and I seen where my account was closed, I called in and this woman couldnt even tell me anything. She stated the ONLY way to re-open my account was to go through another credit check which lowers your credit score, and then I would have to pay more fee's on top of that. My balance was almost paid off and they want me to start all over again-its a RIP-OFF!
They charge all these fee's to just have the card, which is CRAZY! This is a scam and I want as many people to know about what they done to me. Even the Supervisor I spoke with named Mellisa couldnt even help me, all they wanted to do was open a NEW account with new charges and NEW FEE'S, no thank you! This company is a JOKE!
I cant use my credit card now for Christmas, I paid it almost off in order to buy my Children's Christmas now I cant even use my credit card because of what they done to me.
Jillian of Doylestown, PA December 1, 2009
I have been using this credit card for close to two years now. I have never charged anything over my balance and EVERY month I have paid them on time, with the exception of a single month where my payment was two days late. That month I called them to apologize about my payment and made the payment over the phone (for an eleven? maybe seven? dollar processing charge), to not be hit with a late fee.
Each month I send them a check, write the amount in my checkbook, and am done with it. Whenever I have checked my online account with them the payments have gone through. Last month I looked at my online account and noticed that I was charged a tremendous amount for being over my limit. Frantically trying to avoid late charges, I paid the penalty and the past due balance.I never received a confirmation number, but moved on with my bills.
This month I went, like clockwork, to pay my bill. I checked my balance again and now apparently "owe" this company nearly 500- 250 of which are in late payment charges. I do not know HOW they possibly pulled this off. Did they "lose" my check? Did their automated system not process my payment? I don't know.
But I called them today and asked them to please look at my payment history- which is squeaky clean- and credit me money back for the late charges, and the woman with whom I spoke told me the best she can do is credit my account 35. That means that I have to come up with the 250 before the end of my bill cycle or I get charged with another 50.
This is a scam. There is no question about it. This NEEDS to be investigated because this operation can NOT be legal. I can now not pay this company and continue to accrue debt that I know that I do not owe. I have also been having severe anxiety over this, as I do not have the money to pay them but cannot let this go to a collection agency because I am trying to clean up my credit. Someone needs to please help by looking into this, because I guarantee you it will not be a waste of time. There are many victims involved.
shirley of middleburg, FL November 27, 2009
I signed up for this card. Was charged 175.00 to do so. I was making all monthly payments on time every month. One payment "they said" was last and from then on I been charged a 50.00 late fee. I cancaled this card. My bill goes up every month month even after I make a 50 and month payment. They have called me so many times its not funny. They will not stop adding to my bill.
Robert of Fortuna, CA November 20, 2009
My wife & I were looking for lower-interest rate cards to consolidate & pay off our credit card debt. We have excellent credit ratings of 793 and 804. We applied for what appeared to be a legitimate credit card offer. I think it was a gold card, so we were under the impression we were applying for a 5, 000 to 15, 000 credit limit. We submitted an online application, and the bank website appeared to be legitimate. Three weeks later, I received an e-mail stating we had received a 300 (yes, get this, 300) credit limit. Our Costco card has a higher limit than that! If that weren't enough, the e-mail notification stated we had 121 in available credit. That basically implies we have 179 in charges, and haven't even received the cards yet, nor an account number! Apparently interest has already begun to accrue, as our first payment is already due -- yes, on the card we never received.
My wife doesn't recall seeing anything about 179 in up-front fees being charged to open an account. She says she thinks she read something about a 75, and maybe a small annual fee. That (the annual fee) wouldn't have been so bad, had we at least been offered some reasonable line of credit. But we've already racked up 179 in fees, and we don't even have the "product." Let's see, the card initiation fees are 59.6% of the total credit limit. Is that legal? Aren't there laws and consumer protections in place to prevent this? I filed a complaint with the FTC, as the company's business practices constitute false advertising, and might be construed as fraudulent. I'm also filing consumer victim reports with the Big 3 Credit Reporting agencies, and will report these problems to the credit agencies, such as Experian.
I read there have been several FTC actions taken against outfits like this -- one I read of was operating out of Canada. I think the FTC issued a "cease and desist" order. I'm really ticked, because my wife & I have worked really hard to establish good credit. It would be terrible if these people are to ruin my good credit rating through their terrible business practices. Please help. I want them investigated and for actions to be taken against them, to the full extent of the law.
Edith of Riverdale, GA November 19, 2009
Someone from the Premier Bank Card center called my job trying to get me to switch my credit card to their card claiming that I would lower my rate. I told her that I was on a no call an asked how did she get my #. The lady said that I sound just like Obama and asked who did I think I was and hung up. This did not cause any economic damage but is sure cause a lot of stress. Calling no less on my job. She asked for me by name my full name.
Jessica of Manchester, NH November 18, 2009
These people are ridiculous. They break FDCPA more than I can even COUNT in one conversation, and have the most insane, awful attitudes I've ever encountered. I was paying them even WITH being unemployed, and when I called to arrange payments for later, they tried to sell me on paying the whole things off. When I explained that I could not, they just got angrier and explained it was "for MY benefit". I then was unable to make payments briefly but was still contacting them to let them know I was trying, and paying what little I could here and there.
I then started receiving ILLEGAL voicemails from one of their reps "Daisy" disclosing all of my private information on my voicemail, and even going as far as to curse. Just recently, after I decided to just pay online (to the tune of 7 per online payment fee), they started with the calls again to tell me I am past due.
The first one I got was 2 weeks ago, and was received while I was at work. I politely explained that I was back to work, and would love to set up arrangements now that money's coming in, but that I could not speak as I was at my place of employment. I asked for a number to reach Ms. "Casey" (no last name), at. She refused, and gave me a speech about how she's trying to help me, and that if I don't work with her, I'll lose whatever "deal" she THINKS she's giving me. I explained again that I would truly like to get back to her when I'm NOT at work, and asked for the number. She refused and claimed that she had left me numerous messages (funny, because I hadn't received ONE since "daisy" months ago) and explained that I needed to talk to her now. I asked for the number again, and she raised her voice and began harassing me. I then hung up.
Another phone call came the next week - SAME TIME - I answered and explained that I would like to call them back/have them call when I'm not at work, the EXACT same speech from the EXACT same rep! I explained that her behavior last time turned me off from wanting to contact her, and that if she listened to me this time, I would call her when I got home. She then proceeded to harass me with the exact same speech - like she was reading off a script! I then said that I was happy making the payments online, but assumed she would like a commission, and that if she just GAVE me her phone number/extension I would call back that evening. She explained that I apparently avoid responsibility etc. etc. and I promptly hung up on her again.
What is with these people? If they would just treat the customers with dignity and respect, maybe we wouldn't be avoiding contact with you? And if you weren't so sketchy, and so idiotic to call at the SAME TIME that someone had said was a BAD TIME an expect a different outcome, maybe I'd have more faith in your company. Having worked in collections, I'm disgusted.
starleen of sussex, NJ November 17, 2009
I'm just yesterday mine first premier bank statement. I'm was paying online in my bank account. now was paying every month. them tells mine overpayment one month and at add over limit want me pay 116.18. that mine payments only 25.00 an month. that can't pay all this. that scam. that last credit limit at 325.00. now them had total balance of 391.18. them scam me always.
Them add of Finance Chsrge at 9.90% -balance and 19.90% on cash advances was at last year. can't pay anything that them scam me. that them just at payment of 25 from my bank account .that so frustrating.
mine disable was 2 strokes. can't talk very well though and losting everything from they doing this. please help me this. thank you
David of Newport News, VA November 14, 2009
Since I've opened this account two (2) months ago, I was given a credit limit of 250.00. My initial credit after all the charges were deducted from this account was only 71.00. I made a few purchases and when I checked my balance a few days later, I was seeing a charge of 2.00 that I was overdrawn but that my credit limit had somehow had dropped from 250.00 to 200.00. I then went and made a payment on line for 50.00, of which they charged me 7.00 to make and then called them and confronted them about the over limit amount. It took me almost an hour and a half to get the point across that the reason for the over limit was due to their changing the limit amount. I have since made another payment on line which will cost me another 7.00 out of the 180.59 that I paid.
I was told that the funds were on hold until the 14th for clearance but that when I used the card, the amount that the charge was for is instantly deducted from my available balance. I do all my payments on line and there is only a couple that charge for that type of payment. All the other payments that I make get posted either within minutes of the payment or by noon the next day. The only reason for an electronic transaction to take any longer to process than that is that the funds are being held to draw interest before being posted.
I received many an e-mail from this company saying 'how much they wanted me back' and then they treat me with this kind of disrespect, I DON'T THINK SO'. There is no reason for an electronic transfer to take three days to post to an account, no mater what. My SSAN, disability, even my income tax is posted to my balance of my checkink account within minutes of it being sent by these organizations so why should it take all that time to post to my account other than this companys' greed for money. PEOPLE BEWARE, FIRST PREMIER IS NOT TO BE TRUSTED!
Nicole of Las Vegas, NV November 13, 2009
This company is one of the worst companies in the banking industry. Not only are they charging 39.00 overlimit fees and 39.00 late fees, they charge you over 200.00 to get a 300 credit limit. Then, they make it sound like they're doing you a favor by making your credit history better! They're not.
It's an 'unsecured' credit card run by unsecured banking executives reaping the rewards of those of us whom have credit impacted by the current economic situation or by other situations beyond our control. These are the 'bottom' feeders of the industry and should have fines assessed their company in the same amount they charge their customers.
Shalaunda of Picayune, MS November 9, 2009
I have been out of work for 2 years now, constantly have been looking for a job and was receiving unemployment. Prior to all of this happening, I paid my credit card with this company and everything else, actually usually more than the minimum. When my unemployment ended, that left everything on my husband to pay, needless to say, we are stretched! I received a call that started out okay. Then she went through the usual spill that my card was past due. I let her finish and explained that I am not working and I am not receiving unemployment. She then asked if I was working and when did my husband get paid, I replied with, "Yes he is working."
She then asked if he could pay and I told her no, he is taking care of enough. This is when the call took an interesting turn. She then asked how long have I been out of work, I told her 2 years and she said, "I find that hard to believe. Well, you need to figure out how to pay this." I then hung up. Are these people serious? I have been looking for work for all this time, and I usually get the, "You are over qualified speech."
What am I supposed to do? I want to file a complaint against them because they are so very rude when people are trying to explain their situation to them. They are some of the few people that have managed to keep their jobs. UGH! They have also charged me excessive fees when they contact me to set up a payment, I have to pay them a phone fee in the double digits or if I pay online, I still have to pay a fee. What can I do. We are living in very different circumstances these days and it is really hard.
No that's not it at all with this card... if it were just fees that is one thing... but the fact that they hold your payment for 20 days before applying it... or how about that your "PAST DUE" when the cycle ends and NOT when your due date goes by... so for example if the cycle ends on august 15th and your due date is september 8th... and you make a payment on september 5th you are 30 DAYS PAST DUE... that is why this company is F***d up.
Ok, well, I've had my card for a month. I paid my payment on the due date, however, it's taking 6 days to process. I want to make one thing clear my friend -- THE CARD IS ALREADY ACTIVATED WHEN YOU GET IT IN THE MAIL. Good luck. We both need it.
i went through the same thing with a 200 dollar card. the worst biggest lousiest company ever.
### 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.
The complaint has been investigated and resolved to the customer’s satisfaction.
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!
charging balance without buying nothing
first premier bank
attn.chargeback department
pobox5524
sioux falls sd.[protected]
I never fill that card
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)
The complaint has been investigated and resolved to the customer’s satisfaction.
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...
Read full complaint and 4 comments
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.
The complaint has been investigated and resolved to the customer’s satisfaction.
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,
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.
The complaint has been investigated and resolved to the customer’s satisfaction.
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.
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!
The complaint has been investigated and resolved to the customer’s satisfaction.
It is not Fraud or a scam
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.
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
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...
Read full complaint and 2 comments
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!
The complaint has been investigated and resolved to the customer’s satisfaction.
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?
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.
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.
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.
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.
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...
Read full complaint and 5 comments
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.
The complaint has been investigated and resolved to the customer’s satisfaction.
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.
Turn it over to your State Attorney General's office. They prosecute consumer fraud and they can shut those crooks down.
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.
"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"!
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!
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.
Yes, First Premier Bank is a legitimate banking institution. It is FDIC-insured and is based in Sioux Falls, South Dakota, where it was founded in 1986.
Yes, First Premier Bank is FDIC insured, which means that customers' deposits are insured up to the maximum amount allowed by law.
Yes, while First Premier Bank is based in South Dakota, it offers its services to customers nationwide.
First Premier Bank offers a wide range of banking services, including personal banking (checking and savings accounts, loans, credit cards), business banking (cash management, lending solutions), and wealth management services.
Yes, First Premier Bank is one of the largest issuers of Visa and Mastercard credit cards in the United States. It offers legitimate credit cards, including options for those looking to establish or rebuild their credit.
Yes, First Premier Bank uses encryption and other security measures to keep its online banking platform safe and secure.
First Premier Bank has a wide array of personal banking services and is generally well-reviewed by its customers. However, what constitutes a "good bank" can vary depending on individual needs and preferences.
Yes, First Premier Bank reports to the major credit bureaus. This reporting is what makes their credit cards a good option for those looking to build or rebuild their credit.
First Premier Bank has a dedicated customer service team. However, as with any company, experiences may vary. Many customers have reported positive experiences with First Premier's customer service.
First Premier Bank was founded in 1986 in Sioux Falls, South Dakota. It has since grown to be one of the largest issuers of Visa and Mastercard credit cards in the country.
Yes, First Premier Bank has physical branches, primarily in South Dakota. However, they also offer online and mobile banking services to serve customers nationwide.
Yes, First Premier Bank's mobile app uses several security measures, including encryption, to ensure the safety of its users' information.
First Premier Bank offers a variety of loan products, including personal loans, home equity loans, and business loans.
Yes, First Premier Bank offers a variety of savings account options to meet different customer needs, including regular savings accounts and money market savings accounts.
Yes, First Premier Bank offers wealth management services which can include investment services. They provide tailored strategies for individual, retirement, and business needs.
Recent comments about First Premier Bank company
Big Waste of Time
American Express
444 reviews
NetSpend
815 reviews
Payoneer
206 reviews
Blackhawk Network Holdings
19 reviews
![International Volunteer HQ [IVHQ]](/images/business/48-48/115471/international-volunteer-hq-ivhq.png){kind=small}
International Volunteer HQ [IVHQ]
4 reviews
Do not apply for this card. Do not enter any information on their website at all. Once you do, even if you do not agree to the details and terms on the last page, they will send you a card anyway. They will activate the card. They will send you a bill for $179 just to open the card, even though you did not accept the final terms or activate the card yourself. Then, when you don’t pay the bill..because you have never used the card and cut it up and threw it in the trash, they will send you another statement with a late fee attached to the $179 fee. Now you have over a $200 balance on a card you never authorized. The statement says you have a $250 credit limit and you owe over $200 and you never even used this card! Do not pay the bill. Call them and cancel the card! Write the BBB about this! Call your congressman! This should be illegal! You should always have to call to activate a credit card! And, there should never be these kind of SKY HIGH FEES to try to establish some credit! This bank is a RIP-OFF! READ THE FINE PRINT!