Complaints

This profile includes complaints for First Bank & Trust's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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  First Bank & Trust

  520 6th St Brookings, SD 57006-2028

• 

  First Bank & Trust

  2220 6th St Brookings, SD 57006-2403

• 

  First Bank & Trust

  2300 W 57th St Sioux Falls, SD 57108-2619

• 

  First Bank & Trust

  215 W 4th Ave Milbank, SD 57252-1727

• 

  First Bank & Trust

  1120 9th Ave SE Watertown, SD 57201-5337

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:04/06/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  The new ATM at the **** *** location in Brookings SD does not work well, The touch screen is not sensitive enough. This makes it very frustrating to use. Please adjust the touch sensitivity or add buttons ASAP.

  Business Response

  Date: 04/16/2025

  See attached response.First Bank & Trust (‘the Bank’), is in receipt of your complaint made to the BBB on April 7, 2025 requesting a repair of the Bank’s ATM at the **** *** location in Brookings, SD. The Bank has entered a service ticket for the ATM to be calibrated to resolve the sensitivity issues you noted.
  The Bank considers your complaint resolved and offers our most sincere apologies for any inconvenience experienced.

• Initial Complaint

  Date:03/17/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This credit card company seems to employ some fraudulent tactics. I have called them many times to issue me refunds for the foreign transaction fees that they charge to my account amounting to $25.30 plus a paper statement fee of $2.00 for 2 months. I need them to issue refunds for both items because they never informed me of such fees and by right, they have no right to charge for a paper statement.
  this is a serious act of fraud. I had not used this card in many years, and they contacted me threating me of closure and then they are lambasting me with fees for using the card. Is that real.

  Business Response

  Date: 03/26/2025

  See attached response.First Bank & Trust of Brookings, South Dakota (“the Bank”) received correspondence from the BBB on 3/18/2025 requesting refunds of foreign transaction fees totaling $25.30 and two $2.00 paper statement fees assessed to your Mercury Mastercard®. You state you were never informed of such fees and you believe these to be fraudulent tactics. Also, you mentioned you had not used the account for many years and received a threatening notice of closure and now you are being impacted by these fees.
  Our records indicate that the Change in Terms (CIT) notification was sent to the email address we have on file for you on 5/13/2024. For your reference, we have included a screenshot of the account documentation and an excerpt from the original email. A full copy of the email is also enclosed for your review.

  Business Response

  Date: 04/10/2025

  See attached response.First Bank & Trust of Brookings, South Dakota (“the Bank”) is responding to the BBB rebuttal received on 4/1/2025 in which you indicated that you have rejected our previous response and are seeking a refund based on your belief that the original terms of your Mercury Mastercard®—as well as subsequent changes—were not properly communicated to you.
  As previously stated, we have provided a detailed explanation of the fees in question, including the relevant dates and methods of notification.
  While we regret that you do not accept this explanation, we have thoroughly reviewed the matter and are confident that all appropriate information, documentation, and resolutions have been provided. No further adjustments will be made.
  If you have additional questions or require further assistance, our customer service team is available 24/7 at ************, option 1.

  Customer Answer

  Date: 04/17/2025

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because this is a violation of state and federal laws. You will issue a refund and fees. I will set up against the wrongs that you and other credit card issues have done to customers for long periods of time. This is an act of gross theft. You have never communicated any information about fee. I will certainly stop using your card. I will ensure that you return all fees and assessed:

  
  You all are thieves and you will be fined by the federal government 
  
  Sincerely,
  
  
  
  ******** *****

• Initial Complaint

  Date:03/13/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I find this account to be incorporated with inaccurate information, I strongly believe this to be misleading and misrepresentation of my credit history.

  Business Response

  Date: 03/21/2025

  March 21, 2025
  
  
  ******* ****** *****
  ***** ***** ******
  Jamaica, NY 11433
  
  Re: BBB Case ******** and ********
  
  Dear ******* ****** *****,
  
  First Bank & Trust of Brookings, South Dakota (“the Bank”), received your correspondence
  from the BBB, dated 3/13/2025 and 3/18/2025, regarding inaccurate credit reporting from your
  former Mercury Mastercard®.
  
  Our records confirm the following information:
  
  • The original creditor was First Bank & Trust, Brookings SD/Mercury.
  • Account opened 6/6/2020.
  • Copy of your original electronic application enclosed.
  • Last payment received was $60.79 on 5/2/2022.
  • Copies of your last three Mercury monthly billing statements are enclosed prior to
  default. Additional months are available upon request.
  
  This is a validation of the debt.
  
  Due to non-payment, your Mercury account charged off on 12/28/2022 and was then sold to
  Resurgent Capital Services LP on 1/18/2023. A copy of that sale notification is enclosed and
  their contact information is provided here for your records:
  
  Resurgent Acquisitions LLC
  ** ******* ****** ***** ***
  Greenville, SC 29601
  **************
  *********************************
  
  A review of your account determined it is reporting accurately, and we have enclosed a copy of
  our report for your records. In accordance with the Fair Credit Reporting Act, the information we
  report to the Credit Reporting Agencies is required to be complete and accurate. Therefore, we
  are unable to modify or delete your credit file.
  
  We direct you to Resurgent Capital Services LP at ************** for further information as
  Mercury is a former creditor (not debt collector) and no longer owns this account.
  
  
  Sincerely,
  
  
  
  ******* *******, Director of Compliance
  
  
  Enclosures
  
  CC: The Better Business Bureau
  300 N 44th St., # 100
  Lincoln, NE 68503
  

• Initial Complaint

  Date:03/07/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am filing this complaint because my credit report contains accounts that I do not recognize, and I have every reason to believe they may be linked to a data breach. I take my financial security seriously, and the fact that these unverified accounts are being reported under my name is completely unacceptable. These inaccuracies are damaging my credit standing and creating unnecessary obstacles, and I refuse to allow them to remain unchallenged. Despite my repeated efforts to obtain verification, I have yet to receive any legitimate proof that these accounts belong to me. This blatant lack of transparency is unacceptable and a direct violation of my rights. As a consumer, I demand proper documentation proving their validity, including the name of the unverified item, [Name of Unverified Item]; the account number, [Account Number]; and the reported balance, [Reporting Balance].
  
  Under the Fair Credit Reporting Act (15 U.S.C. § 1681g), I am demanding copies of all records used to verify these accounts. A generic response claiming they have been “verified” will not be tolerated. I require real, verifiable proof such as original account applications, signed agreements, or transaction records that confirm their legitimacy. If no such documentation exists, these accounts must be removed immediately under Section 611(a)(5)(A)(i) of the FCRA, which mandates the deletion of unverifiable information from consumer credit reports.
  
  I will not accept delays, excuses, or vague responses. These errors have already caused unnecessary harm, and I will not allow them to continue affecting my financial stability. I expect a full investigation, a detailed response, and an immediate resolution. Failure to comply will not go unnoticed.

  Business Response

  Date: 03/19/2025

  March 19, 2025
  
  
  ****** ****
  *** ***** **
  ********** ** *****
  
  Re: BBB Case # ********
  
  Dear ****** ****,
  
  First Bank & Trust of Brookings, South Dakota (“the Bank”), received correspondence from the
  BBB, on 3/10/2024, requesting a validation of debt for your former ******* Mastercard® and
  correction to your credit report.
  
  We can confirm the following information:
  
  • The original creditor was First Bank & Trust, Brookings SD/*******.
  • Account opened 3/7/2020.
  • A copy of your electronic application is enclosed.
  • A copy of your last three ******* monthly billing statements prior to default are
  enclosed. Additional months are available upon request.
  
  Our fraud manager found no indications that the account was opened fraudulently or reports of
  fraud. Here are the highlights of the review:
  
  • Your Name, SSN, and Date of Birth on the account verify to you through public records.
  • The address listed on the account is the same address listed on the BBB complaint and
  verifies as an accurate address for you through public records.
  • The phone number listed on the account ending in **** verifies as an accurate phone for
  you through public records.
  o Account communications were sent to this phone number via SMS with
  additional received SMS from this phone number with one of the messages
  indicating to “pay” on the account.
  
  This is a validation of the debt.
  
  Due to non-payment, your account charged off on 6/25/2024 and was sold to ******** ******
  ********* *** on 6/28/2024. A copy of the sale notification is enclosed.
  
  Their contact information is:
  
  ******** ****** ********* ***
  **** *** ****
  ******* ** *****
  **************
  **********************************
  
  Our records reflect your former ******* card is being reported accurately to the credit bureaus.
  A copy is enclosed for your records. In accordance with the Fair Credit Reporting Act (FCRA),
  the information we report to the Credit Reporting Agencies is required to be complete and
  accurate. Therefore, we are unable to update your credit file.
  
  We direct you to ******** ****** ********* *** at ************** for any further concerns
  expressed in your complaint because ******* no longer owns this account.
  
  
  Sincerely,
  
  
  ******* *******, Director of Compliance
  
  Enclosures
  
  *** *** ****** ******** ******
  *** * **** **** * ***
  ******** ** *****
  

• Initial Complaint

  Date:02/10/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  REVIEWED MY CREDIT REPORT AND FOUND 1 FRAUDULENT ACCOUNT ON REPORT.
  ACCOUNT NAME = **** ******** *********#************.THIS ACCOUNT REPORTED TO FTC,NOT MINE,NOT AUTHORIZED BYME,PLS REMOVE THIS ACCOUNT FROM MY CREDIT FILE!
  ***#*********.

  Business Response

  Date: 02/25/2025

  See attached response.

  First Bank & Trust of Brookings, South Dakota (“the Bank”), is in receipt of correspondence we
  received from the BBB, dated 2/10/2025 requesting credit for remaining fees associated with a
  resolved fraud claim on your closed ******* ***********.
  
  We can confirm this account was deemed a fraudulent application and we are requesting to have
  this account deleted. Please allow the Credit Reporting Agencies 45 days to update their files. A
  copy of the resolution letter is provided for your records.
  
  Our investigation confirmed a ******* **** was opened with your credentials on 10/1/2019.
  Due to non-payment this account eventually charged off on 7/28/2021 and was sold to *********
  ******** *********** *** on 8/20/2021. A review of recently submitted credit bureau disputes
  resulted in the account being statused as a fraudulent application on 1/29/2025. We repurchased the account on 2/24/2025.
  
  We suggest that you contact the Credit Reporting Agencies to report your personal information
  has been compromised. In addition, we encourage you to visit the FTC website
  ************************************************ for more information on identity theft.
  
  Should you have any further questions, you may contact our 24-hour customer service, toll free
  at ************* ****** **
  
  

• Initial Complaint

  Date:02/05/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I opened an account with Mercury Cards in October 2021. After someone stole my card information from my wallet, I reported all of my cards, including my Mercury card, as potentially compromised and requested a new card number. However, instead of marking the card as lost or stolen, Mercury simply issued a new card number. Unfortunately, no action was taken to cancel any pending payments made through the old account, which remained linked to my debit card(cancelled for fraud).
  
  During this period, I had no access to the old account, including its transactions—my profile was essentially reset with the new account info. Despite receiving notifications that my payments weren’t going through, payments were still being made on my behalf to the new account. I contacted Mercury, and was told the issue was handled, but months later, my account was closed with an outstanding balance. This caused significant damage to my credit score.
  
  I’ve continued to make payments on the balance, but have requested assistance—such as a lower interest rate or a payment plan—without success. I've encountered disrespectful customer service and poor communication between departments. One representative even told me that it was my responsibility to contact the fraud department, despite my belief that I was being transferred there. The lack of coordination between departments and constant transfers has been incredibly frustrating.
  
  After more than a year of dealing with this, I’m seeking a resolution, as my attempts to resolve this issue with Mercury have been unsuccessful.

  Business Response

  Date: 03/06/2025

  See attached response.First Bank & Trust of Brookings, South Dakota (“the Bank”), received your correspondence
  from the BBB, dated 02/10/2024, addressing a number of issues regarding your Mercury
  Mastercard® account. You have also requested a settlement offer due to the experience you
  encountered in the handling of your account.
  We are pleased to advise that the “Closed by Grantor” status has been removed from your credit
  report as of 03/05/2025. Please allow up to 30 days for the credit bureaus to update their records.
  We sincerely apologize for the time this took to resolve and that it was not escalated sooner.
  After reviewing the calls and the credit bureau disputes you submitted, we acknowledge that
  there was some confusion regarding the nature of the issue. Specifically, our agents did not fully
  understand that when you referenced fraud, you were referring to the fraud-related closure of
  your bank account, not your Mercury Mastercard®. This misunderstanding, coupled with the
  submission of identity theft and fraud disputes to the credit bureau that were unrelated to this
  Mercury account, resulted in delays and miscommunication.
  To offer some clarification, after someone stole your wallet, you properly reported your Mercury
  card as compromised and were issued a replacement card. However, during this transition, your
  old Mercury account still processed the future dated payments that had not been canceled. Since
  your linked checking account had also been closed due to your wallet being stolen, the future
  dated payments continued to be processed from the closed account leading to returned payments.
  When the three $17.43 payments that had not been canceled were returned by your bank (final
  payment returns dated 09/18/2023, 10/17/2023, and 11/16/2023), notifications were sent
  regarding these failed transactions. While we acknowledge that you also made successful
  payments during this period, the system automatically flagged the account for closure due to
  three consecutive returned payments. Unfortunately, despite the successful payments made on

  Customer Answer

  Date: 03/12/2025

  Dear Better Business Bureau,
  I am writing to provide an update on my ongoing issues with Mercury Card Services (First Bank and Trust) and to offer more details following their response to my complaint.
  For the past two years, I have been caught in an endless loop of miscommunication and unresolved issues. While I appreciate that my account was finally reopened, this resolution feels insufficient given the severe impact this situation has had on my credit and financial well-being.
  As I mentioned in my initial complaint, I was unfairly flagged in the system due to what I believe to be Mercury Card Services' internal error. This mistake led to the closure of my account and the damaging report to the credit bureaus, which significantly affected my credit score. Despite my repeated attempts to resolve the issue, I was constantly given the runaround, and no one at Mercury Card Services took responsibility for the mistake or offered a satisfactory resolution.
  Today, I contacted Mercury Card Services once again to discuss a potential "Hardship" program, as I had been previously denied a payoff settlement. When I spoke to a representative named Roselynn, she indicated that the hardship program I had been enrolled in had ended in December 2023 and that I was not eligible for any further assistance at this time. When I requested the name of the supervisor she had spoken with, Roselynn informed me that she could not provide that information. When I asked why, her response was simply that I was speaking to her and not the supervisor. This lack of transparency is unacceptable.
  Moreover, I was transferred to the wrong department again, and despite my efforts to escalate the issue, I was unable to speak to anyone who could address my concerns. This continued lack of support and refusal to provide clear answers is causing significant frustration and exacerbating an already challenging situation.
  In September/October, after receiving the first notification that my payment had been returned, I contacted Mercury Card Services for clarification. After being on hold for nearly an hour, I spoke with an agent who informed me that the payment had been returned because it was linked to my old account, which I, Gene Hildebrandt, no longer had access to. The agent advised me that the remaining scheduled payments tied to the old account would continue to be returned, and I was instructed to make payments on my new account instead.
  It is deeply troubling that I was given this information by a Mercury Card Services employee, as it directly contributed to the closure of my account and the negative impact on my credit. This advice was both incorrect and irresponsible, and it has caused significant damage to my financial situation.I am asking the BBB to intervene and ensure that Mercury Card Services (First Bank and Trust) takes full responsibility for their actions, provides a formal resolution to the errors that have impacted my credit, and offers a fair and transparent solution moving forward.
  Thank you for your attention to this matter. I look forward to your assistance in resolving this ongoing issue.
  

  Business Response

  Date: 03/17/2025

  See attached response.First Bank & Trust of Brookings, South Dakota (“the Bank”), received your rebuttal from the BBB, dated 3/7/2025, regarding your Mercury Mastercard® account.
  Per your request, we have now closed your account as of 3/14/2025. Please allow up to 30 days for the Credit Reporting Agencies to update their records to reflect this latest change. We acknowledge the challenges you faced and regret any hardship this may have caused. Please know that our intention was solely to correct the reporting back to the time prior to your wallet being compromised and your account was open.
  As previously stated, we have corrected all credit reporting history directly related to the fraud-related issues, including removing the "Closed by Grantor" status and any late payment history tied to your fraud claim. However, in accordance with the Fair Credit Reporting Act (FCRA), we are required to report all other account activity accurately, and therefore, any prior history unrelated to the fraud matter remains unchanged. Credit reporting agencies consider various factors when determining a credit score. We recommend you to contact these agencies to determine how this will be considered in determining your credit score.
  If you have any other concerns, you can contact us any time at * ************, Option 1.

• Initial Complaint

  Date:01/29/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Last used card and paid entire balance of $798 on 12/2023. Balance $0 Never used card since.
  9/2024 received statement of balance $206.89. for charges of 8/14/2024 *****t 203.89 and 8/14 L* ***** *** Web Sal of $1.00. I did not make these charges.
  9/9/24 contacted customer services. Reviewed charges with Rep. Multiple other charges from South Korea, China attempted to make. Fraudulent activity taking place. Fraud claim made with Rep. I requested card to be closed. Current card destroyed.
  F/u 9/30/24 per rep prior rep did not submit fraud claim properly. Submitted again. Requested Card closed. have requested letter stating req of card closed. received nothing.
  Continued to received bills and have contacted customer service/fraud department to resolve multiple times.
  10/14/24 I requested to speak with a supervisor, due to issue not being resolved, receiving bills, and given multiple non constant information every time I called. Per supervisor resubmitting fraud claim for the charges reported above, I requested card be closed again.
  10/30/24 received via mail from fraud department that the charges stated above have been found fraudulent and credit has been applied to account. Balance should be $0 at this point and card closed.
  12/4/24 received billing statement for balance of $21. Called 12/17/24 per rep unable to explain charges of $21. Requested card be closed again and to receive notification of card closing. Per rep will report to fraud department and I should receive a response and letter of card closed via mail 7-10 days, never received either.
  1/4/25 received billing statement for $38.64 when balance should have been $0
  Card should be closed and balance $0. I should have not received anything after fraudulent activity was resolved and account closed. They continue to send me bills with no reasoning of charges or resolution and will not send me anything in writing that this card is closed. This should not be continuing. Please help. A****** **** ****9

  Business Response

  Date: 02/20/2025

  See attached response.First Bank & Trust of Brookings, South Dakota (“the Bank”), is in receipt of correspondence we received from the BBB, dated 1/29/2025 requesting credit for remaining fees associated with a resolved fraud claim on your closed Free Spirit® Points Mastercard®.
  We appreciate your patience throughout this process and are pleased to confirm that a credit of $72.67 (a sum of all interest and fees billed since 9/4/2024) was issued on 2/11/2025, bringing your account balance to $0.00. As requested, your account has remained closed since 9/30/2024, and we have included confirmation of this closure for your records.

• Initial Complaint

  Date:12/31/2024

  Type:Customer Service Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I had been in a bad car accident and called into Mercury card services, and they were able to place me on this program. When I was ending the program, I was told that I could get back on it if I successfully completed it. When I called back after receiving a letter I was treated with ignorance and placed on hold not even being warned that I was being placed on hold. Here I am talking, and no one was there you can tell the rep was working from home and she had small children which was fine, but she could have just told me to please hold I am a mother as well and would have definitely understood. I was just transferred all around and was told by someone named Rich I was already on a program, which I was not I just completed one and I tried to explain it to him and he just placed my call on hold and I was very disappointed in the way this call went. I have my phone records and was on this call for a little short of 2 hours to be told by a supervisor Jerick he was going to have his manager call me back because of all the confusion. I am still at a loss as I have a letter stating I can go back on the program which it actually does help people who experience a short-term hardship, however I really would like to speak to someone that is professional and could address my concerns as even though I am experiencing this hardship I was NEVER late not once. I really never had a problem with Mercury, and I don't know what happened, but the service changed so much in a year.

  Business Response

  Date: 01/16/2025

  Please see attached response.******* also mentioned you are always invited to call periodically to see if we have any offers to
  assist you with managing your payments. We also wanted to clarify that because we do not have
  ongoing payment programs, we only advise in our letters if you need help making your payments
  to contact us. If we have a program available, we will certainly provide that option to you; but
  keep in mind that the CCCS program is always available to anyone who is experiencing a
  financial hardship.

  Customer Answer

  Date: 01/16/2025

  
  
  Better Business Bureau:
  
  
  
  thank you for helping me get an answer 
  
  
  
  Sincerely,
  
  
  
  ****** ******oa

• Initial Complaint

  Date:12/06/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this debt with FB&T/ Mercury. I do not have a contract with ********* ******* ******** they did not provide me with the original contract as requested.

  Business Response

  Date: 12/20/2024

  See attached responseFirst Bank & Trust of Brookings, South Dakota (“the Bank”), is in receipt of correspondence we 
  received from the BBB, dated 12/12/2024, advising you are not liable for your Mercury 
  Mastercard® debt. Also, you stated Resurgent did not provide a copy of original contract as 
  requested and you want tradeline deleted.
  Our records confirm the following information:
  • The creditor for your account was First Bank & Trust, Brookings SD/Mercury. 
  • Account opened 9/13/2020.
  • Copy of the electronic application is enclosed.
  • Copies of the last 3 statements are enclosed. Additional statements are available upon 
  request.
  This is a validation of the debt.
  Due to non-payment your account charged off on 1/27/2023 and was sold to Resurgent Capital 
  Services L

  Customer Answer

  Date: 12/27/2024

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because: First Bank & Trust never contacted myself about selling of said debt owed. Further more documentation submitted by First Bank & Trust submitted as proof of sale and owed debt say nothing about the debt owed or selling of said debt owed. I request the Bbb take a look at documentation. 
  
  
  
  
  Sincerely,
  
  
  
  ******* ********

• Initial Complaint

  Date:09/25/2024

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I recently discovered this company listed on my credit reports with transunion.I file a police report, theft affidavit, and FTC identity theft report in which all have been forwarded to this company..As I have stated to this company and in my theft documents I DID NOT OPEN THIS ACCOUNT! If this account First bank and trust Mercury card is not remove from my file promptly, I will be force to take legal recourse for violation of the Fair Credit Reporting Act, Fair debt collection practices act, negligent enablement of identity fraud, and defamation..I have tried to resolve this matter amicably..So far nothing has been done..I have supplied all necessary documents to prove my case..This account first bank and trust mercury needs to be remove with all haste from my credit reports!!y

  Customer Answer

  Date: 10/07/2024

  The matter have been resolved by the company,  account has been removed from my credit file..no further action is needed..Thank you so much for your assistance