Business Profile

Bank

First Bank & Trust

Headquarters

This business is NOT BBB Accredited.

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Complaints

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

Customer Complaints Summary

120 total complaints in the last 3 years.
43 complaints closed in the last 12 months.

If you've experienced an issue

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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:04/23/2024
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 had a ******* credit card and I always paid before time and I always paid more than they requested and recently I paid off the whole amount due figure I could save money on interest well what they did was reduce my purchasing amount from 1500 to 800 I have never been late I have never Missed a payment and I owe them. Not a penny I spoke to. **** one of the persons who answered the phone, and then requested to speak to a supervisor which I was connected to a supervisor by the name of ******** who have mentioned that they are doing this to a lot of people for no reason at all and I’m thinking this could be like ***** ********* dead with the minorities and they lower the credit cards purchasing power and they close a lot of accounts. I would like them to be investigated to find out why if I am a good client and I don’t know anything did they reduce it? I feel that this is a discrimination among minorities I’m quite sure this is going on in many of these companies please investigate and find out how many people of brown skin or minorities have they done this to know that the Better Business Bureau definitely does a wonderful job and helping people with their problems
Please do a thorough investigation and go through the books because minorities and brown skin people in women deal with so much in life. We don’t need this credit card companies denying us credit because we are a minority or brown skin. Thank you. Have a blessed day and hope to hear from you soon..
Business Response
Date: 05/01/2024
See attached response. Referenced enclosures will be mailed.
Initial Complaint
Date:04/05/2024
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.
My credit card I reported lost and and stolen since September 2022 and because when I reported that to That Company the representative I spoke to advised that they will fixed the issue and advised not to make any payments during the investigation. They thee company closed my credit card and reported to collection and never filed the fraud report. This is very shady business practices and the account keeps being transferred over from one collection to another
Business Response
Date: 05/01/2024
See attached response. Referenced enclosures will be mailed.
Customer Answer
Date: 05/01/2024

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********* and find that this resolution is satisfactory to me.

Sincerely,

*** ********
Initial Complaint
Date:03/27/2024
Type:Customer Service 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 have been a meme we of this card since September 2023. I received a solicitation letter with an invite to apply for the card which helps rebuild your credit with a min credit limit of $5,000. I applied and was approved. I’ve maintained this card in good standing, never missed a payment or been later since having this card. I feel this company totally is a scam and are not for their loyal customers and are practicing deceptive information. I recently made a payment and had some issues with the payment because of the amount with my bank, I reached out to the credit card company to let them know what happened and explained everything. However the issue was fixed and payments cleared and applied to my account. After about a week I get an email from the company stating my limit on my card will go from $5,000 to $250. I call and the representative tell me it’s nothing she can do and it’s in the terms. I asked her can she have a manager to contact me back because this is unacceptable and also I would like to close my account. I feel this business is scamming and profiling their valued customers.
Business Response
Date: 04/04/2024
See attached response. Referenced enclosures will be mailed.
Customer Answer
Date: 04/04/2024

Complaint: ********

I am rejecting this response because the company lowered my credit based off the issue with the payment not my credit history. I made the payment and have never had any issue with my payments since opening this card. My credit score was the same, higher to be exact so there was no factor that should have weighed on my credit limit being lowered from $5,000 to $250. This have impacted my credit because, I opted to close the card because I couldn’t get a better resolution. This is unfair and this company needs to do better to assist me with my issue.

Sincerely,

********* *****
Initial Complaint
Date:03/27/2024
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.
First Bank & Trust, issuer of *** ****** ***** --Paid $931.48 12/28/23 via bank bill pay - Check delivered to Ignite @ **** *** ****** ************* ** ********** on 1/5/24 06:02PM EST - Confirmed by bank
--1/9/24 - Called Ignite. Stated payment not received. Provided proof from bank it was delivered. Made ACH payment over the phone with ****** **** put stop payment on check
--1/11/24 @ 9:34AM CDT - Called & spoke to Tyler confirming that the ACH payment was made. Discussed that it also appears that the check was processed, as account is now showing a balance of -$590.49. Tyler informed me that return check fee could not be addressed until it posted to the account
--1/12/24 8:49AM CDT - Received notification from Ignite that my payment did not go through - Presumed was the check w/ the stop payment as Tyler already confirmed ACH payment was made
--1/12/24 9:03AM CDT - Account balance reflecting $1,272.47. Latron spoke with ***** & informed me ACH payment had gone through & account was in good standing w/ a balance of $340.99. Stated concerns with neither website or phone app reflecting this. Latron stated "that is false" & my balance is $340.99
--1/15/24 11:18AM CDT - Spoke with a rep to confirm that the balance on my account is $340.99. Asked the rep to again confirm that "the balance on my account, for all money currently owed for all activity across all time is currently $340.99.", & rep confirmed "Yes, that is correct."
--1/18/24 9:40AM CDT - Confirmed account balance correct & 1/10/24 $931.48 payment marked as "COMPLETE"
--1/24/24 - Paid Jan. statement balance due 2/9/24
--1/30/24 - Confirmed $0 balance & last ACH marked as "COMPLETE"
--2/1/24 - Closed card
--2/27/24 12:11PM CDT - Called & asked to speak w/ Tyler about email stating "payment of $931.48 made on February 27, 2024 did not go through" - Denied & told to wait 24-48 hours for call back - STILL WAITING
--48 DAYS AFTER PAYMENT "COMPLETE" notifying me of returned payment & charging interest is a SCAM!
Business Response
Date: 03/08/2024
See attached response.
Customer Answer
Date: 03/16/2024

Complaint: ********

I am rejecting this response because:
Payment has cleared my account as of March 7, 2024 (proof attached). Reversal of associated fees and interest charges have not been performed; only ADDITIONAL fees added (proof attached). Resolution will be accepted once the account is permanently reflecting a $0 balance on the behalf of the promised actions of The ****** **** and its associated bank (First Bank & Trust) through the proceeding statement and on, a report to all three (3) credit bureaus of said $0 balance has been confirmed and any other discrepancies in reporting to all three (3) credit bureaus has been been confirmed resolved. I look forward to your prompt attention in bringing this matter to a permanent close.

Sincerely,

******* ******
Business Response
Date: 04/11/2024
See attached response. Referenced enclosures will be mailed.
Initial Complaint
Date:03/22/2024
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 received a statement in the mail today from ******* ****** card. Acct last 4 digits 2605. The balance is $4437.88. It says the payment of $218 is due n 4.18.24. I did not apply for this card. I have not used this card. I am willing to sign a fraud affidavit. Please remove this card from my name, report nothing to the credit reporting agencies, send nothing to collection, and confirm same in writing. Thank you.
Business Response
Date: 04/10/2024
See attached response. Referenced enclosure will be mailed.
Dear *** ********

First Bank & Trust of Brookings, South Dakota (“the Bank”), is in receipt of correspondence we
received from the BBB, dated 3/25/2024, stating you did not apply for this ******* **********
and request the tradeline and hard inquiry be removed from your credit report.

An escalated review was conducted by management and the account has now been statused as a
fraudulent application due to identity theft on 4/3/2024. We are in the process of notifying the
Credit Reporting Agencies to delete this tradeline and hard inquiry from your report. Please
allow the Credit Reporting Agencies up to 45 days to reflect this in their records from the date of
this letter. A resolution letter was mailed to you upon completion of the fraud case on 4/3/2024.
A copy has been included for your records.

In the meantime, we suggest 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.

We sincerely apologize for any inconvenience.
Initial Complaint
Date:03/19/2024
Type:Service or Repair 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 a ** *** ***** ******** **** &applied for SCRA Benefits. This benefits enables myself to have a much lower interest rate than the current market rate. This benefit will drop the interest rate while my husband is Actively serving in the military.I reached out by phone to ******* Rewards **** to apply for benefits. All other creditors required in person or email to attach orders. ******* the only business requiring sending **** a hand written request. Since I have already been through this process multiple times w/ other creditors, most likely ******* will need a copy of my husband’s military orders to process. Certainly wanted to make sure I did not have to wait on snail mail for ******* to send a letter asking for the military orders. This process made me highly comfortable by this process and said so over the phone to a representative since this method will require HIGHLY sensitive information that shows on military orders such as date of birth, ssn, addresses, etc.I also asked the ******* rep should I send app & orders by certified & he said no. I reconfirmed the “no” & told him this was extremely confidential info. I specifically folded a detailed request & the orders(3pg orders) together AND listed on my request Orders were ATTACHED/. I received a letter in the mail a few weeks later ******* needs the military orders to approve my received hand written note!? Highly sensitive information that was attached to my hand written note is missing? I called ******* a supervisor &rep said there is nothing they can do & didn’t have the orders so I should just resend orders **** again. Meanwhile, orders are floating around possibly in an employee’s hands for identity theft selling or huge negligence. ******* would also not pull up the copy of my handwritten note showing my info and stating orders were attached. I have resent & took pics of mailing this again attached with a letter stating that I’m aware of my missing previous orders & to process my resent orderss
Business Response
Date: 03/28/2024
See attached response. Referenced enclosure will be mailed.
Initial Complaint
Date:01/05/2024
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 logged into my Mercury Credit Card and tried to make a payment. My credit limit is $3000. My balance says $7000 I let them know this is a fraudulent payment. This has happened to me across all of my cards due to the fact I was not able to use my cards. I had a personal problem that’s put me out of life for the last 3 months. I have gone through mental health problems which I am recovering from. I am trying to get myself back together now and made a payment only for my account to be this compromised. I need access to credit all of this has destroyed my life. I need assistance with this.
Business Response
Date: 01/19/2024
See attached response.
Customer Answer
Date: 01/19/2024

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. I will call this number now.

Sincerely,

**** *****
Initial Complaint
Date:01/01/2024
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.
Over $9,000 was withdrawn from my BECU savings account using the Mercury Card FBT CSQRpayment. This bank should put more security on who they allow access to these cards and vet their customers better. They aiding and abetting criminal activity.
Customer Answer
Date: 01/03/2024
My savings account was made whole. BECU reversed out the 3 debits to the account that I complained about. Whether this was fraud or a banking error is unknown to me and no longer my concern.
Business Response
Date: 01/09/2024
We received a closed
case notification stating that the complainant was satisfied with the response;
however, we have not provided a response. Was this an error or has the
complaint been resolved?
Initial Complaint
Date:12/18/2023
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.
***** * ******** **** **** ******* ** **** * ******** *** ***** ***** ******* **********
Email: [email protected]
Last 4 **** ****
DOB: **********

First 6 digit of Account - # ******
** U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2: It also states a consumer reporting agency cannot furnish a account without my written instructions

15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Business Response
Date: 12/21/2023
See attached response.
Business Response
Date: 12/29/2023
See attached response.
Customer Answer
Date: 01/04/2024

Complaint: ********

I am rejecting this response because:

The ERRORS reporting on this account are astronomical and is in direct violation of CDIA standards and
FCRA laws. Please delete the inaccurate reporting off my credit report! I HAVE OUTLINED EVERY INCACCURACY, PLEASE FIX THIS***-**Misrepresentation is FRAUD! Please remove these unvalidatable claims at once!***
I hereby present the details pertaining to CC/FB&T and *********** It is imperative to acknowledge that the aforementioned data has not been certified to conform to any recognized reporting standards. Therefore, the accuracy, currency, and comprehensiveness of the data cannot be guaranteed. Furthermore, it is important to note that this information might be incomplete, outdated, or lacking proper support. In light of these circumstances, I kindly request the removal of any erroneous or unsupported content from the aforementioned page.

Sincerely,

***** ********
Initial Complaint
Date:11/28/2023
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 didn't recognize a charge on my ******* credit card. When we finally figured out that it was a legit charge and it was mine, it was rebilled to me. The merchant still has yet to receive their money but ******* wants to charge me. I shouldn't have to pay ******* and the merchant $230.52 ******* hasn't helped in the slightest to get this resolved but they want me to pay this money without following up with the merchant about where the money has gone. I was rebilled on 11/2/23 and like i stated, the merchant is still not paid. The merchant in question is *********** ******
Business Response
Date: 12/08/2023
See attached response.
Customer Answer
Date: 12/08/2023

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

Sincerely,

******* *******

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First Bank & Trust is NOT a BBB Accredited Business.