First Premier Bank
reviews and complaints

I pay my account every month on time- but when I looked at my statements this month I had a late fee. Called them and resolved it. I then called 2 days later to make a payment on my specified due date- they informed me it would be late unless I paid an additional 11 dollars because it was after 5c.s.t. Really?!?!? I paid it on the day due but it was 6 c.s.t. I can't believe this is legal- why not make my payment due a day earlier then... VERY UNHAPPY!

After paying minimum payment due $36.00 a first premier bank employee calls me stating they have not recieved my payment-that late charges-bank fees-card fees are added and demand payment. The payment was within there system, and there custody this was verified by the banks automated phone system [protected] . The bank recied my payment the very day of the demand for payment call by banks acting agent. There was no justification calling me in the first place, lying stating my payment is not there, demanding payment and other charges be paid. My account was set up for payment after the 1st a custom and practice by over 3yrs of evidence within their records on file and my payment history . I was told 3 yrs prior by a bank phone employee in card services there is a 5 day grace before adverse banking action . The 1st of October to the date of call the 6th the grace time had not expierd my payment was in their custody by the 6th, and their collections call was on the 6th. Ive closed my account having been lied to by bank staff, there actions violating breach of verbal contract making false statements, adverse credit reporting based on false none payment charges, and reporting on to my credit history.

Scammers! Besides overcharging you for every service that is supposed to be free, they purposely drag their feet when you dispute some charges and then they refuse to help you, stating that it is too late to overturn the charges, blaming postal office for their mistakes. Plus they keep hanging up on you when you try to cancel the card

Don't ever get a card from them after making a $30 charge they charged $250 worth of interest and then when talking to them about it they said there was nothing they could do but collect it. They started calling to collect a day after the payment was due so I quit paying them and then they proceeded to call me on a daily basis. After notifying them that it was illegal collection practice now they just wait until saturday morning at 7:45 in the morning for three weeks in a row. I was not going to report it but the harasment will not quit, I wish I had never gotten the card because they are the worst card company I have ever delt with. Even after charging the card back they continue to call me and put negitives on my credit report the first time they did something to my credit it dropped 70 points the next time it was 30 when will it stop? Whatever you do, do not get a card from them they are a scam! I have phone records and statements to prove what I am saying is true..

First Premier Bank claims I owe it close to $400 in membership and assorted fees even though I'd cut up my two First Premier bank credit cards, sent the cut-up cards back to the bank and had already paid off all of my minimum amounts due. First Premier Bank failed to do its market research before sending me a preapproved credit card, and then a second card. If the bank had done its research, it would have discovered that I have had three federal, Chapter 7 bankruptcies (1986, 1996, 2003); that I have a 43-year history of clinically diagnosed manic-depression (bipolar disorder), meaning that I like most bipolar people in their manic phase am insanely reckless and profligate with money; that my only income is a monthly Social Security disability benefit check for $1, 234; that I have had numerous stays in mental hospitals and jails; and that additional evidence totally disqualified me from the use of any credit card from any lender--except for bottom-feeder predators like Frist Premier Bank. First Premier Bank's collection unit, for more months than I can count, has dogged me for repayment by mail and phone calls. I once threatened one of their collectors, saying I knew where she worked and I had an M-16 (our Army's assault rifle) and if First Premier didn't stop trying to collect from me money I didn't owe them, I was going to kill everyone in her office. My threat failed; First Premier to this day still phones me daily--and constantly through the U.S. mail offers me deals by which I need only to pay it 60% of my alleged debt to them. First Premier Bank isn't very bright. It has, quite arguably, by now spent more money on colledtion expenses re: me than I allegedly owe it.

Direct TV tried to use our credit card to pay off $33.16 that we owed them. We had already paid them so we called First Premier Bank to close that account but the said we were such good customers let them cancel the old card and issue a new one and we said ok. On 11/05/2010 they let Direct TV bill us for $79.42 on our new card which Direct Tv did not have.When we called First Premier Bank the said we needed to fill out a form to get our money back, and since we did not give Direct Tv our card #... First Premier Bank did... after telling us they would not we feel they should have to try to get there money back...not us...we canceled our cards and are going to pay the one they charged down to $79.42 and let them try to get there money back from Direct TV.

First Premier Bank claims I owe it close to $400 in membership and assorted fees even though I'd cut up my two First Premier bank credit cards, sent the cut-up cards back to the bank and had already paid off all of my minimum amounts due. First Premier Bank failed to do its market research before sending me a preapproved credit card, and then a second card. If the bank had done its research, it would have discovered that I have had three federal, Chapter 7 bankruptcies (1986, 1996, 2003); that I have a 43-year history of clinically diagnosed manic-depression (bipolar disorder), meaning that I like most bipolar people in their manic phase am insanely reckless and profligate with money; that my only income is a monthly Social Security disability benefit check for $1, 234; that I have had numerous stays in mental hospitals and jails; and that additional evidence totally disqualified me from the use of any credit card from any lender--except for bottom-feeder predators like Frist Premier Bank. First Premier Bank's collection unit, for more months than I can count, has dogged me for repayment by mail and phone calls. I once threatened one of their collectors, saying I knew where she worked and I had an M-16 (our Army's assault rifle) and if First Premier didn't stop trying to collect from me money I didn't owe them, I was going to kill everyone in her office. My threat failed; First Premier to this day still phones me daily--and constantly through the U.S. mail offers me deals by which I need only to pay it 60% of my alleged debt to them. First Premier Bank isn't very bright. It has, quite arguably, by now spent more money on collection expenses re: me than I allegedly owe it.

I applied for a credit card from First Premier Bank on April 7, 2011. I changed my mind and called them April 8, 2011 to cancel the application and to stop the deposit withdrawal from my bank account. The representative on the phone told me the deposit was canceled and that I could call the following week if I wanted to apply a $25 deposit to keep the application open. I declined and then on April 14, 2011 my bank statement showed me a $500 withdrawal of a check to First Premier Bank dated April 11, 2011 and processed April 13, 2011. I called First Premier Bank bank April 14, 2011 to complain about withdrawing the funds without approval and with application canceled prior to their attempt, the representative then said it went out that day even tho I had proof it did not and that I already canceled the application as well. I then asked to speak with a supervisor and the representative then said that she was the supervisor and refused to let me speak with any other person. I feel I've been ripped off from First Premier Bank and charged money and received overdraft fees when I shouldn't of. I feel that First Premier Bank is a ripoff agency and scam people, and therefor far from reputable and should have a class act suit brought against them for scamming so many people across the country according to online research on First Premier Bank Complaints. Word of Advice, save yourself some money and headaches and don't chance anything with any business attempts with First Premier Bank.

I was charged a $75 processing fee taken out of my checking account. I do not beleive in credit cards. I never applied for this credit card. I was only aware of it by viewing my bank statement.

This company operates under the pretense of helping people re-build credit. I applied for the card and paid the $179 fee immediately. The first month they reported me 30 days late. I paid another fee immediately, though I had not used the card. Things went well for 3 months after that and they sent me a platinum card without my asking for it. I paid the initial $50 and then the monthly fees on time. After 6 more months my credit report showed 2 late payments. I closed the cards out and was charged $350 to close one card and $450 to close the other - even though I had never used the cards! With this company it doesn't matter iff you pay their ridiculous fees on time or not - they are in the business of wrecking credit, and go to great lengths to do so. Stay Away from this company!

I am a recipient of a First Premier Bank Card. I once had poor credit due to medical bills, and when I became a parent and went back to school, I knew I needed to get my credit back on track. I paid off all my debt, but my credit score wasn't moving up. So, like most in my position, I chose to go with a subprime credit company - First Premier Bank.

When I signed up, I thought the only charge I would see was the $29.00 set-up fee, however, even though I was given a $250 limit, I was only able to use $90.00 because there were all types of other fees, including an annual fee of $48.00, as well as a $79.00 fee for a "program fee." I made only a purchase of gas the first month, and have only made three other purchases in a year - all less than $20 because I basically had no credit with which to buy things.

When I started to pay my balance, I felt like I wasn't making a dent. Each month I paid on time, over the amount. There were three times I paid on the due date, and I was charged an extra $11to have it processed that day. I never knew they had a web site to make payments until a rep "slipped" and told me I wouldn't have to pay the $11 fee if I paid online - so, I was about to hang up and pay online when she told me their "system was down." Looking back, I was being lied to so they could collect this outrageous fee from me for paying ON TIME!

My limit went "over" ONLY because of their fees! I have not made a purchase in 6 months. I thought I was doing a good job of paying down, then received the annual fee and went over my limit! How is this? They charge me $17/month for NOT making purchases, even though I can't because I have no credit b/c of their fees! Each month I was being charged an extra $25 for the "over the limit fee." Even though it is not anything I actually bought, it's their fees that put me over the limit!

I called to cancel my card. I was told if I cancelled with over a $20 balance, I would still be charged $17/month for the "no purchase made fee." I said, "I'm going to be charged 17 bucks a month even though I can't technically USE the card?!" The rep said, "YES!" This can't be legal!

This company preys on people with poor credit because they know they will be able to make money off unethical, ridiculous fees. This is unethical, immoral and should be illegal!

I want to make a class action lawsuit. I have read many complaints. TOday is 12/11/2010. Let's do this together! I need a lawyer to help me with this. To any lawyer interested: I don't want any money from this. You can keep it all if we get a settlement! I just want to be able to close my account w/o a balance. PLEASE JOIN ME AND HELP!

(After a year of having my card, I did get offers from other companies, like Orchard Bank and Capital One - which are much better options.)

I had a two credit cards with 1st Premier Bank about 10 years ago to help build my credit up, which I decided to pay off and close due to the fact that the interest charges would never go away even if I paid my full balance before the due dates. Anyway, I left both accounts paid off and in good standing only for one of those accounts to come back to bite me by way of Portfolio Recovery Associates. After going through my credit and asking the First Premier Bank to send me letters stating the last known status of my credit card account(s), it was as I had remembered it being, both accounts closed in good standing.

So why are First Premier Bank selling my information, shouldn't we all be protected from this? I understand the law allows financial institutions to share customer information for those accounts with bad debt, but why are accounts left in good standing being sold as well? Isn't this a Federal Offense? Why isn't anyone doing anything about this?

Anyway back to the story, so after acquiring all my evidence I had them successfully remove the collection account from their systems, whatever that means, probably means they've moved my account information to a database they use to resell this information to get back some of the money they lost from buying my account information which didn't really result in a collection, nor will it ever.

Now after having gone through all this on some non-sense fraudulent debt, Portfolio Recovery Associates have the audacity to send me a letter to ask my permission and signature to have the credit bureaus remove any inquiries they've made into my credit report. I quickly called them back to let them know I wasn't going to give them permission to mess around with my credit report, then a few days later a letter in the mail states they were informing me of their intent to have the credit bureaus remove any inquiries they've made on my report. Isn't this illegal? Now I will send them a letter and fax and follow up with a phone call requesting they stop fiddling around with any of my information, my credit report or my life. If I find anything in my credit report regarding these guys after my phone call is placed, its time to play ball. Who wants to join my team?

Smells like CLASS ACTION TIME! Lets do this! Attorneys get back at me, I can amass a great following online and off guaranteed, lets staple these fools to the wall.

And AMERICANS PLEASE! Please stop living beyond your means. Be frugal. Be smart. Be American.

I closed my FPB credit card in Oct 2009 with $0.00 on the card. In Jan 2011, I received a credit alert from the FPB, with $64.00 of outstanding balance. I never used it after I close my account. I called FPB guys, they said everything is closed with your account and they dont know how the charges are made on my credit card. This is a terrible card and terrible bank. For anyone at any circumstances, this bank is not recommended! It is highly negative bank.

Got this High Fee Card to help build Credit. Fraud charges appeard on Card in Feb 2010. The account is paid in full automatically from our bank account. We filed a Dispute with no resolve from Premier The Only thing First Premier did was to close the account and reopen and new account and transfering the balance over. First Premier adviced us that since the card was paid in full we would investigate and get back with you.

March 2010 First Premier sent a new card with a new account number. First Premier reported the card late 30 days to the credit reporting agencys with a zero balance and nothing owed - They returned the late fee with an appoligy but did not remove the negative reporting to the credit agency. This caused my score that I was doing my best to increase go down.

Being ripped off for over $400 now for those out rageous fees and paying for fraud charges This account was closed - Over paid a total of $146.00 for the fraud charges that I have been waiting for a resolutions or refund for those fraudulant charges for over a month now.

April 2010 First Premeir reopened the card without my authorization and instead of refunding the $146 we over paid for the fraudulant charges First Premier added those charges back to our account and deducted another $146 from our bank account. Thus we paid twice now for the same fraudulant charges to the account.

May 2010 we get a statement that our account is paid in full and we only owe $7.00 for the monthy fees. I called and let them know that we closed the account and paid it full back in March of 2010 and was waiting for refund of the additional payment that was taken by First Premier.

June statement comes with a Zero Balance and new charges of - Yes you quessed it "The $146 for those fraud charges are back on the statement for the 3rd time".

July 2010 First Premeir reports to the credit agency a 30 day late with a total amount due of $198.86 we called first premier to explain that the card had been closed and why did they place fraudulant charges back on the account again with different reference number. I was waiting for a refund! The First Premier Rep Personally told me "HE WOULD PERSONALLY SEE TO IT THAT MY CREDIT WOULD BE DESTROYED when they keep reporting it and then finally Charge it off as a bad debit

August 2010 First Premeir reports to the credit agency a 60 day late with a total amount due of $229.50 I called first premier to explain that the card had been closed an we was waiting for a refund! Same story different Rep told me THAT HE WOULD PERSONALLY SEE TO IT THAT MY CREDIT WOULD BE DESTROYED because we will keep reporting it for years and then finally Charge it off as a bad debit

September 2010 First Premeir reports to the credit agency a 90 day late with a total amount due of $233.29 I called first premier to explain that the card had been closed an we was waiting for a refund! The First Premier Rep Personally told me THAT THE ACCOUNT IS NOW CLOSED AND TURNED OVER TO COLLECTIONS.

Oct 2010 First Premeir reports to the credit agency Charge Off. I despute the charges with all 3 reporting agency with no luck! First Premier says that I am repsonsible for the charges

PLEASE SOMEONE HELP ME.. With First Premier Charging this Off as a bad debit instead of building my credit its being reduced and now I am being denied jobs offers and other credit opportunities.

My balance goes up even when I make my payment. I've made three (3) payments of $200.00 and one (1) payment of $30.00.
I've only seen the $30. dollar payment posted never the $600.00
dollars payments. My balance is now over the $750.00 limit.
Talked to them. I never went over the limit with any charges but
instead of going down, its going up and up. I asked for a complete print out, but was denied. If I pay them the $798. payment I was have paid them an additional $ 750. over double the $750 limit.
I would be paying them over 1, 500.00 dollar. I need help!

2 months ago I had my account paid down to half of my credit limit. Then the due date was changed and a 38 dollar fee was added plus 44 dollar "over limit fee". I called and was told this would be taken care of. They have continued to move my due date, making each monthly payment late and continuing to add 38 late fees. They have now run my account back up to just 2 dollars below the limit. Next month they now are threatening to add another 48 dollar fee for being over the limit. There is no sense to this. They put me on hold and then never return to the call, or transfer me to another office and I am cut off. How do they get away with this and not government agency is looking into it.

For many months, I have used my business checking account to pay the Credit Card online and it was accepted. Was informed that since the credit card is a personal card, I must delete the business checking account and issue a personal checking account to pay the bill. I went through the process and finally told that I need a letter from my bank telling First Premier that it is a personal account. What were they thinking I would do, put in another business checking account? So, bottom line after asking for a "higher-up" and denied, had them cancel the credit card that was a measly $300.00 maximum and I was told that this could possibly ruin my credit standing with the Bureaus. They offered $30 if I would stay on with them, but still needed to get letter from my bank that the account I was going to enroll was a personal account. CANCEL!

Ok, I signed up needing a card a for christmas time because I was short on cash and needed a few extra bucks and they are the only one who would give me a card. The card had a $300 limit, more than I would need but the card came with a bill for $270 for memberships fee, and whole bunch of other bogus fees that made no sense and the due date on the bill was the 2nd, I get paid on the 3rd this bank makes a living ripping people off and taking their money but they aint getting a dime from me, screw them!

Due to their interest hikes and fees I was forced to file bankruptcy in 2005. I am now being told that they filed a civil case against me (it's been 5 years) for not paying the bill. Even though they were properly notified they have refused to discharge this debt.

After the bankruptcy they were calling me multiple times a day and sending me threatening letters. I told them, via certified mail and every contact to take me to court..they ignored it. Despite the fact that I told them every time I had filed bankruptcy with them they continued to harass me.

Now that I am trying to buy a house this bill is preventing me from doing that..

I was not sued nor taken to court like I told them to do but now they refuse to accept my bankruptcy. This is illegal also. why file bankruptcy if the companies can continue to demand money from you.

When I was paying them I always paid on time. Yet they would not post it until AFTER the due date and then charge me a late fee. I was always told that I didn't mail it 10 days ahead of time. I only got the bill 6-7 days before it was due..how could I pay it 10 days ahead of time. By the time you take the holidays and weekends off that left no time at all for paying.