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

  500 S Highline Pl Sioux Falls, SD 57110-3066

• 

  First Bank & Trust

  402 E 5th St Canton, SD 57013-1864

• 

  First Bank & Trust

  234 East First Ave Cambridge, MN 55008

• 

  First Bank & Trust

  Meckling, SD 57069

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:09/27/2023

  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.

  To Whom it may concern,
  
  This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.
  
  FB & T MERCURY ACCT #: ******* BAL. $ 0.00
  
  Under the Fair Credit Reporting Act, 15 U.S.C. § 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please don’t respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611(a)(5)(A)(i). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

  Business Response

  Date: 10/12/2023

  See attached response.

• Initial Complaint

  Date:06/22/2023

  Type:Sales and Advertising 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.

  False advertising on promised promotion when I applied for the Free ****** *********** 

  Business Response

  Date: 07/06/2023

  See attached response.

  Dear Mr. ******,
  First Bank & Trust of Brookings, South Dakota ("the Bank"), is in receipt of correspondence  from the BBB, aated 06/28/23, requesting a 50,000 bonus point promotion plus a $100 flighu vouche: be awarded to you as advertised when you applied for your **** ******* ******
  **********
  Our records reflect your **** ******* ****** *********** account was opened 1/0/2023 and the promotion we offered is 10,000 points. The bonus points are awarded once $500.00 in net purchases and one mimmum payment is made within 90 days of account opening. We confirm 10,000 Bonus points were applied on 3/7/23 and recorded on 3/2023 monthly billing statement which we have enclosed a copy of for your reference.
   
  Please see an excerpt of the offer you received:

  Mr. ******, there may have been some confusion if you have visited tne ********** website as there is a large banner at the bottom of their page promoting a different card advertising the 50 000 bonus pornts and $,100.00 flight voucher from another credit card company. Our preapproved offers are mailed directly to our potential applicants; you cannot apply for our card through **********.
  We undekstand your frustration and apologize for the inconvenience.
  Thank you for the opportunity to respond. If you have any further questions or concerns, you ca n contact ug any time at I ***** ********* ****** * 
  
  
  
  

• Initial Complaint

  Date:06/21/2023

  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.

  Being held liable for fraudulent charges on my ******* *********** 

  Business Response

  Date: 07/06/2023

  See attached response.

  First Bank & Trust of Brookings, South Dakota ("the Bank"), is in receipt of correspondence received from the BBB, dated 06/21/23, regarding fraudulent transactions on your ******* **********  
  Our records reflect you stated two (2) charges, both dated 5/12/2023, from ****** ($996.00 and $750.00) are fraudulent. Our investigators reviewed your fraud claim and determined these charges were not fraudulent. The account records reflect you initially advised that you used your ******* card to purchase thesc items. A copy of the resolution lecter is enclosed for your records.
  Thank you for the opportunity to respond. If you have any further questions or concerns, you can contact us any time at * ***** ********* ****** **
  

  
  

• Initial Complaint

  Date:05/26/2023

  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.

  I am not liable for this debt with ***********FIRST BANK, I do not have a contract with ***********FIRST BANK, they did not provide me with the original contract as requested.

  Business Response

  Date: 06/13/2023

  See attached response.

• Initial Complaint

  Date:05/03/2023

  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.

  My acct was delinquent due to the loss of my job. When I got a new job I called to pay the acct in full on 4-17-23. Confirmation #*******. When I talked to the representative as I was paying the acct balance they told me all was well and I was now in good standing. I found out today 5-2-23 that they had closed my account AFTER I paid in full. The representative I spoke to today 5-2-23 said they should have made me aware my account was closed, but, they didn’t. All I want is my acct reinstated so I can continue to build my credit and be in good standing with the company.

  Business Response

  Date: 05/16/2023

  See attached response.

  Customer Answer

  Date: 05/17/2023

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because:
  
  I have never received a letter stating my account has been closed. They never told me it was closed when I was on the phone with them paying the account off.I found out from my credit report later that they had closed it. The person I spoke with when paying the account off told me that my account was good and it would not affect me other than showing the late payments on my account. And then I find out she is lying to me about it being good. The next person I talked to after I found out that the account was closed told me that the person I talked to when I paid the account off is required to tell me the account is closed before I make a payment and they in fact didn’t. 
  
  Sincerely,
  
  
  
  Hunter *******

  Business Response

  Date: 05/25/2023

  See attached response.

  Customer Answer

  Date: 05/29/2023

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because:
  
  
  
  Sincerely,
  
  
  
  Hunter *******

• Initial Complaint

  Date:03/29/2023

  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.

  I have a ******* ********** and I have been making my payments a little early with a little extra money in the payments. In February of 2023, I went to make my usual monthly payment through their app-how I normally pay.
  When I finish submitting the payment, I got a confirmation saying the payment went through.
  At the beginning of March, ******* ********** called me to tell me that they did not receive a payment and that they had attempted three times to take it out of my account and there were insufficient funds. As I talked with the agent, I told them that as I was talking to them I was looking in my bank account for that time period and that there never was a withdrawal from my account for the February payment. I never got charged insufficient funds because there's nothing coming out of my account and no attempts for anything to come out of my account. Now at this time it was my March payment was due but I told the agent that I didn't want to make the March payment until I was sure that the February payment was going to go through. Come to find out after the agent repeated my bank account number back to me there was a digit that was wrong so I gave him the correct account number. This is strange because I've already been making payments on the account for months on time, early and with extra money. I thought the agent had corrected it in the system as we discussed because a few days later the February payment did come out of my account.
  When I noticed this I then went ahead and made the March payment. Now I'm having the same trouble with the March payment that I had with the February payment and ******* ********** is trying to get a hold of me but I don't want to have to go through this again and I thought the issue was resolved with the agent I talked with.
  The agent talked very fast **** * **** ***** ******, I had to tell him to slow down. It was very difficult to understand him.

  Customer Answer

  Date: 04/05/2023

  I haven't gotten an update and almost a week from you guys and whether or not you've heard back from ******* **********.

  I haven't talk to anyone from ******* ********** because I'm waiting to see if you guys hear back from them and if they're going to correct the problem and make it right but I know I'm getting automated messages from them saying that my account is in jeopardy.

  I'd really really like to resolve this as quickly as possible.

  I need someone from BBB to reach out to me or someone from ******* who's a supervisor and can actually take care of this situation for me before I get into trouble with them.

  Thank you 

• Initial Complaint

  Date:03/07/2023

  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.

  I am a ******* Credit Card holder that disputed a credit card charge for *****. ******* Credit Card sent me a letter stating that the dispute had been resolved in my favor only to send me another letter retracting and reinstating the former charge. I called ******* Credit Card and they stated that charge was reinstated because ****** sent in proof verifying the charge. I ask for written proof and they suggested that I call ******. I did call ****** and they stated that the last charges on my ****** account was in 2020 and they suggested that I call back to credit card company for further verification. I called the credit card company back and they again stated that they received written proof from ******. They also stated that I stated that I was a victim of identity theft which highly untrue. I called in to dispute a charge on my credit card and never stated that I was victim of identity theft as I surely would have made a police report. This is not the first time that this has happen with ******* Credit Card and I think that the company engages in deceptive practices. They also stated that phone calls are recorded and I would like them to produce the recording where I stated I was a victim of Identity theft as well as written proof from ****** that shows proof that I made this charge.

• Initial Complaint

  Date:03/07/2023

  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.

  I did a credit rebuild program with this credit card company, because they offered it. I did not need the program but since it lowered my bill for three months I did it. The customer service department is where the program is through. (Ref#**************) That was my reference number. I paid my bill on time each month. The customer department and collections are not on the same page. The collection department kept calling me harrassing me saying I wasn’t paying my bill on time. Because the departments do not talk to each other. I had to call numerous times talking to managers because the collection department was harrassing me. But the whole time my bill was on time. So the collection department reported to the credit bureau that I was late on my payments. Took my credit score down *** points. My credit score before the program was ***. After the collection reporting the wrong info now it is ***. I applied for an apartment. Was turned down do to the credit score. I’m trying to apply for other apartments but cannot cas of my messed up credit score. I want my credit score fixed and a certified letter from the company stating the mistake so that I’m able to apply for other apartments and not getting turned down. I make the 3x the rent for the apartments I’m applying for. They reported to two of the the credit bureaus incorrectly. I watch my credit on my ******* *** account through ****** ****. I would like to have this matter resolved. I have spoke to ******* they said they would fix, but it’s been over a week and I have not heard nothing back from the. The photo shows that I did pay on time for the three months. ******* customer service number ************

• Initial Complaint

  Date:03/07/2023

  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.

  On 2-19-23 I noticed my bank had some fraud. I contacted my bank on 2-20-23 and they advices me they would close my Account so nothing would come in or out. On 2-21-23 I spoke to the person that handles my banking at my local bank and she also advised me she would close my account so nothing goes in or out. I advised her my income tax was coming in on 2-23-23 she told old me it won’t go into my account since it was closed and she will get a email asking what to do with it. On 2-23-23 I noticed my income tax went into the old account so my negative balance was covered she transfers the rest of the amount to my new account. The person that did the fraud took $***** and the bank is only giving me $***** back. I feel like I got my money stolen twice. I asked the bank what kind of fraud perfection I had and they just advised me it’s hard when it comes to online banking and there nothing they can do to help me. These people were taking money out of my account when I was already getting overdraft fees and this wasn’t caught I don’t feel that I was protected and my bank is not willing to help me at all. They not only are not helping me get my money back I also feel they stole my income tax money when I was told it wasn’t supposed to go into that account and now they have their money and I’m out of money twice because of them.

• Initial Complaint

  Date:02/27/2023

  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 need someone someone thats a manager to contact me. The interest on my account is to high an taking away from my monthly payments. ** ** *** * *** ****** ** cannot afford to continue to make payments an than interest takes away from my balance. I either need interest waived off my account or the balance waived Or to be on a assistance program for my balance or i wont be able to afford to continue to pay

  Business Response

  Date: 03/17/2023

  *** ******** ********* Please note that this was a duplicate BBB complaint. Response was mailed on 3/9/23.

  Customer Answer

  Date: 03/17/2023

  
  
  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,
  
  
  
  Tamika *****