Business Profile

Bank

First PREMIER Bank - Retail

Complaints

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

Customer Complaints Summary

492 total complaints in the last 3 years.
180 complaints closed in the last 12 months.

If you've experienced an issue

Submit a Complaint

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:06/16/2025
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.
Both accounts are labeled as “Paid as agreed in settlement,” yet their continued presence is unjustly damaging my credit profile and financial standing.

Although these accounts are marked as settled, I am respectfully requesting the full removal of both accounts from all consumer reporting agencies (Equifax, Experian, and TransUnion). The derogatory nature of a “settled” status—even when marked as paid—still negatively impacts my creditworthiness and misrepresents my current financial integrity.

Under the Fair Credit Reporting Act (FCRA), 15 U.S.C. § 1681c, consumer reporting agencies are required to ensure the information they maintain is accurate, fair, and not misleading. Even when a debt is settled and paid, the continued reporting of these closed accounts with negative implications fails to reflect the spirit of that statute. These accounts no longer serve a valid purpose on my report and instead serve to unfairly penalize me despite the resolution of the debts.

Additionally, FCRA § 1681i(a)(5) provides that any item disputed by a consumer which can no longer be verified or which no longer serves a fair and accurate purpose must be deleted. Furthermore, the Equal Credit Opportunity Act (ECOA) prohibits creditors from reporting in a manner that could result in unjust discrimination or hindrance in obtaining future credit.

I am requesting that First Premier Bank exercise its discretion as the furnisher of this data and request deletion of both accounts from the credit bureaus immediately. The impact of these accounts is disproportionate and damaging, particularly considering that they are closed and marked as paid. I view this continued reporting as a form of punitive credit suppression, which undermines my ability to grow and improve my financial standing.
Business Response
Date: 06/19/2025
Dear *********

This is in response to your
concerns regarding your First PREMIER Bank credit card accounts ending in **** and ****.

The account ending 1*** was opened December 2021. A settlement was completed in February 2025 after
receiving a payment for $469.21 on February 25, 2025.

The account ending **** was opened March 2023. A settlement was completed in March 2025 after receiving
a payment for $510.19 on February 28, 2025.

Both accounts were closed
at our discretion in August 2024 due to the risk involved with the excessive
number of lost/stolen reports.

Upon completion of the settlement arrangements,
we reported both accounts to the consumer reporting agencies as paid in
full for less than the full balance. We do not remove accurate information in
goodwill. The consumer reporting agencies are responsible for removing accounts
at the correct time.

We understand this is not the
response you were looking for but hope you can understand our commitment to
accurate credit reporting. Please feel free to
contact us at ************ if you have additional questions.

Sincerely,
Office of the President
Business Communications
PREMIER
Bankcard, LLC
** *** ****
Sioux Falls, SD 57117-5114
(JA)

(15480)

PREMIER Bankcard, LLC is a registered Member Service
Provider for First PREMIER Bank.
Initial Complaint
Date:06/13/2025
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 got a notice from my credit reports that a company named first premier bank was on my report and with an account opened under my name and social however I never authorized them or anyone else to open any account.
I did have identity theft some time ago but I was not aware this company wa apart of this event. I am a reserves soldiers and often away from home and nobody in my home has seen any documentation from them either. When contacted the bank they told me they couldn’t give me anything information because I couldn’t verify any information on the address. I want this account removed from my information and credit report immediately. I have never opened a credit card account with this bank nor authorized anyone else to.
Business Response
Date: 06/16/2025
Dear ******

We are writing because we
recently received correspondence regarding a credit card account.

Additional information is needed to help us locate the First PREMIER Bank
credit card account you are contacting us about. Please provide us with two or
more items from the following list:

First 12 digits of the First PREMIER Bank credit card account number
Last four digits of your Social Security Number
First PREMIER Bank Reference #/Account ID
Copy of the First PREMIER Bank tradeline from your credit report

Upon receipt of this
helpful information, we will review and respond accordingly.

Sincerely,

PREMIER Service Team
PREMIER Bankcard, LLC
**************
(M-F 7:00 am to 9:00 pm, Sat 8:00 am to 4:30 pm CT)
(AE)

(15463)

PREMIER Bankcard, LLC is a registered Member Service
Provider for First PREMIER Bank.
Initial Complaint
Date:06/11/2025
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.
My name is **** ****** ****** ******. I’m writing this because I’ve been a victim of identity theft. There are accounts showing up on my credit report that I didn’t open and didn’t authorize. I’m asking for these accounts to be blocked or removed permanently under the Fair Credit Reporting Act, Section 605B.

These are the accounts I’m referring to:
• First Premier Bank – Credit Card
• Freedom Road Financial – Loan
• Mariner Finance – Loan
• Net Credit – Loan
• National Credit Adjust (SpeedyCash) – Collection – $712

I didn’t apply for these. They’re not mine, and they’re hurting my credit.
Business Response
Date: 06/12/2025
RE: First PREMIER Bank
credit card account ending in ****

Dear *****

This is our first
notification of identity theft.

After reviewing the
documentation received with your complaint, we found you not liable for the
account. We are submitting a request to delete it from your credit report.
Please allow sufficient time for this update.

We apologize for any
inconvenience and encourage you to contact the consumer reporting agencies to
discuss options to protect yourself from additional fraud. You can find more
information at:
*****************************************************************************

Sincerely,

Office of the President
Business Communications
PREMIER
Bankcard, LLC
** *** ****
Sioux Falls, SD 57117-5114
(HLL)

(15456)

PREMIER Bankcard, LLC is a registered Member Service
Provider for First PREMIER Bank.
Initial Complaint
Date:06/07/2025
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 want removed on credit I made payments yes all I used other theft identity and they know this someone even added a new York address on my acct I also contacted other agencies till this off credit
Business Response
Date: 06/20/2025
Dear *******

This is in response to
concerns relevant to your First PREMIER Bank credit card account ending in
*****

We investigated the
fraudulent charge you reported in February 2024. You were found not responsible
at that time, and your account was credited $21.63 for this charge.

Our Security Department
recently received a dispute through the consumer reporting agencies regarding
fraud charges, and a letter was sent requesting more information to open a dispute
for any additional charges.

Once we receive the
additional information, we will investigate and respond. Once an investigation
is complete, we can review and respond to your credit reporting concerns.

Thank you in advance for
your cooperation with providing the requested information. If you have
questions, please call Customer Service at *************

Sincerely,

Office of the President
Business Communications
PREMIER
Bankcard, LLC
** *** ****
Sioux Falls, SD 57117-5114
(JA)
(15468)

PREMIER Bankcard, LLC is a registered Member Service
Provider for First PREMIER Bank.
Customer Answer
Date: 06/20/2025

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:06/06/2025
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.
UPON REVIEW OF MY CREDIT REPORT THAT I RECEIVED FROM ALL THERE CREDIT REPORTING AGENCIES I NOTICED A FRAUDULANT ACCOUNT THAT WAS PLACED ON MY CREDIT REPORT/PROFILE THAT I NEVER AUTHORIZED…THE FRAUDULENT ACCOUNT THATS IN QUESTION IS: FIRST PREMIER BANK ACCOUNT NUMBER#***** DATE OPENED 11-13-2023 FRAUDULENT CHARGES $562..THIS ACCOUNT IS A FRAUDULENT ACCOUNT AND WAS WITHOUT MY AUTHORIZATION THEREFORE I WOULD LIKE FOR A THOROUGH INVESTIGATION TO BE DONE TO HELP GET THIS SERIOUS MATTER RESOLVED AND REMOVED FROM MY CREDIT REPORT…….
Business Response
Date: 06/17/2025
RE: First PREMIER Bank credit card account ending in ****

Dear ******

This is in response to your complaint regarding identity theft.

As this was our first notice of identity theft, we referred your
complaint to our Security Department. Following an investigation, we found you
responsible for the account.

This account was opened in November 2023 after receiving an online
application. Please be assured a verification process is followed on each
application we receive. We stopped receiving payments and determined the debt
was unlikely to be collected, so it charged off in October 2024 with a balance
of $562.50, which remains today.

Charged-off accounts stay on the credit report approximately seven
years from the charge-off date, and accurate information is neither changed nor
removed early.
If you have additional
information or documentation you would like us to consider, please send it
to:
First PREMIER Bank
Attn: Security Department
PO Box ****
Sioux Falls, SD 57117-5524
If you have further questions or
concerns, please contact Customer Service at *************
Sincerely,
Office of the President
Business Communications
PREMIER
Bankcard, LLC
PO Box 5114
Sioux Falls, SD 57117-5114
(AE)
(15464)

PREMIER Bankcard, LLC is a registered Member Service
Provider for First PREMIER Bank.
Customer Answer
Date: 06/17/2025

Complaint: ********

I am rejecting this response because:
identity theft report attached

Sincerely,

James Fletcher
Initial Complaint
Date:06/06/2025
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.
Due to a lost of income I use my credit card to pay the copay and prescriptions. I utilized my First Premier Bank Credit Card to make payments on my daughter's medical and dental bill. According to CFPB, if credit card are used to pay medical and dental debt this can be forgiving and deleted from all 3 credit bureaus.
Business Response
Date: 06/11/2025
RE: First PREMIER Bank credit card account ending in ****

Dear E*****

This is in response to your concerns regarding credit reporting.

We confirmed we are accurately reporting your account including as
disputed by consumer.

You do not have an option to opt-out of your account being reported.
Please review our privacy notice at ***********************.

The account was opened in August 2023, was used for several purchases
from August to October 2023, then charged off due to delinquency in April 2024.
Charged-off accounts remain on the credit report approximately seven years from
the charge-off date. Accurate information is neither changed nor removed early.

We are unclear about your comments regarding credit card use with
medical bills. If you have further details and documentation to explain this,
please provide it to us and we will be happy to review further.

We hope this information is helpful, but if we have not addressed all
your concerns, please contact Customer Service at ************.
Sincerely,
Office of the President
Business Communications
PREMIER
Bankcard, LLC
** *** ****
Sioux Falls, SD 57117-5114
(AE)
(15425)

PREMIER Bankcard, LLC is a registered Member Service
Provider for First PREMIER Bank.
Initial Complaint
Date:06/05/2025
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 have a charged off account appearing on all 3 of the credit bureaus from First Premier Bank. I have already disputed the debt as fraud. They never verified it with me personally.

Under the Fair Debt Collection Practices Act (FDCPA), specifically Section 809 (15 U.S.C. § 1692g), if you dispute a debt in writing within 30 days of receiving the initial validation notice, the debt collector must provide you with verification of the debt, not just the credit bureaus. This verification should include evidence like the original contract, account statements, or proof of debt ownership, and it must be sent directly to you. Failure to provide this to you upon request is a violation of the FDCPA.
Business Response
Date: 06/10/2025
Dear
********

This
is in response to your concerns regarding the First PREMIER Bank credit card
account ending in *****

You
stated you already disputed the account as fraud. Our records do not indicate
that we previously received a fraud claim. After receiving your complaint, we
investigated your claim of identity theft and found you responsible for the
account. If there is additional information you would like us to consider,
please call Customer Service at ************ or send it to:

First
PREMIER Bank
Attn:
Security Department
** *** ****
Sioux
Falls, SD 57117-5524

The
account was opened in September 2020 after receiving an online application,
therefore no signed contract is available. It became delinquent in December
2022. The delinquency continued to increase until the account charged off in May
2023 with a balance of $1,012.67, which remains today.

Following
a thorough review, we confirmed the account is accurately reporting. It will
remain on your credit report for approximately seven years from the charge-off
date, and the consumer reporting agencies will remove the account at the
correct time.

Debt
validation is only required of debt collectors. First PREMIER Bank is the
original creditor, not a debt collector.

We
hope this information is helpful; if we can be of further assistance, please
call Customer Service.

Sincerely,

Office
of the President
Business
Communications
PREMIER Bankcard, LLC
** *** ****
Sioux
Falls, SD 57117-5114
(jdh)

(15426)

PREMIER Bankcard, LLC is a
registered Member Service Provider for First PREMIER Bank.
Customer Answer
Date: 06/10/2025

Complaint: ********

I am rejecting this response because:
Thank you for responding to my BBB complaint about the credit card account ending in ***** I want to be clear that I did not open this account and strongly believe it’s the result of identity theft. My personal information, including my email, login credentials, and Social Security number, was exposed in a dark web data breach. I also lost access to other accounts, like my TurboTax account I’ve had for 15 years, which further shows my identity was compromised.
I’m concerned that your investigation concluded I’m responsible for the account, without sharing any details about the evidence you relied on. The Fair Credit Reporting Act requires a reasonable investigation into disputed accounts. I’ve taken steps to address the identity theft by filing an Identity Theft Report with the FTC.
I’m asking you to reinvestigate this matter thoroughly and share specific details about what ties me to this account, like the application records or identifying information used.
Condemning me to this derogatory account for 7 years on my credit reports is largely detrimental to my success and outlook on every day living and prosperity.
I want it removed from my credit reports with Equifax, Experian, and TransUnion. I’ve also disputed the account with the credit bureaus and will reach out to the Consumer Financial Protection Bureau if necessary.
Please confirm you’ve received this response and let me know the results of your reinvestigation within 30 days.
Thank you for looking into this serious issue.

Sincerely,

******* ****

Business Response
Date: 06/12/2025
Dear ********

Please be assured that we
thoroughly investigated your fraud claim.

Upon completion of our
investigation, a letter of explanation was sent to you on June 9.

If you have any additional information, such as proof of the data breach, you would like us to
review, please send to:

First
PREMIER Bank
Attn:
Security Department
** *** ****
Sioux
Falls, SD 57117-5524

We do not change or remove
information that is accurately reporting to the consumer reporting agencies.

For information
regarding identity fraud, the Federal Trade Commission (FTC) has resources
available at: *****************************.

Upon receipt of this
helpful information, we will review and respond accordingly.

Sincerely,

Office of the President
Business Communications
PREMIER
Bankcard, LLC
** *** ****
Sioux Falls, SD 57117-5114
(HLL)

(15451)

PREMIER Bankcard, LLC is a registered Member Service
Provider for First PREMIER Bank.
Initial Complaint
Date:06/03/2025
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.
First Premier Bank is reporting an open line of credit on my credit report but this account has actually been charged off. They are also reporting a late payment that is not accurate. I tried reaching out yesterday 6/2/2025 and asked them to remove this from my report and they are refusing to do so even if I paid them the full balance. I've actually already paid this balance as I had a payment plan setup with January, a debt collection company who purchased the debt. This means that First Premier is reporting false imformation and needs to remove it as soon as possible. Please remove this immediately.
Business Response
Date: 06/05/2025
Dear ******:

This is in response to
your concerns relevant to the First PREMIER Bank credit card account ending in ****.

The account was opened in November
2020 and charged off due to delinquency in May 2021 with a balance of $589.75. The
current balance is $471.75, after receiving two payments of $59.00. We have no
record the account was paid in full. Please provide us with any documentation
of payments that did not post to your account.

While we remain the owner
of the debt, and are responsible for the credit reporting, we sometimes assign
charged-off accounts to collection agencies for servicing. Your account is
currently being serviced by January Technologies Inc.
Charged-off accounts remain on a credit report for approximately seven
years, and accurate information is neither changed nor removed early. We do not
remove accurate information in exchange for a payment or settlement.
We hope this is helpful
and clarifies your concerns.

Sincerely,

Office of the President
Business Communications
PREMIER
Bankcard, LLC
** *** ****
Sioux Falls, SD 57117-5114
(JA)
(15403)

PREMIER Bankcard, LLC is a registered Member Service Provider
for First PREMIER Bank.
Customer Answer
Date: 06/10/2025

Complaint: ********

I am rejecting this response because all payments have been made to January to satisfy this debt. I have attached a screenshot for proof. I understand your policy, but before being made aware of this, I was promised that upon payment received the remarks on my credit would be deleted as a one-time courtesy. If this is not possible, I request to at least have the inaccurate data corrected immediately as it is currently showing that I owe on this account and that no payments have been made which is incorrect information. I was told that this could be deleted/corrected immediately and should not require a full reporting cycle. I feel that I have met my end of the agreement by paying the amount owed and deserve to have my credit report reflect this. I'm in process to purchase a home and the inaccurate information is affecting this.

Sincerely,

****** ******
Business Response
Date: 06/19/2025
Dear *******

Your final payment of
$117.90 was received from the agency on June 10. The settlement was later completed
on June 16 reducing your account balance to zero and a confirmation letter was
sent.

The final update will be
submitted to the consumer reporting agencies with the July reporting. Please
allow adequate time for this update to reflect on your credit report.

We confirmed when you
spoke with us on June 2 and June 3, you were provided accurate credit reporting
information.

Thank you for completing
the settlement as agreed and we hope this information is helpful. If you have
additional questions, please contact Customer Service at ***** *********

Sincerely,

Office of the President
Business Communications
PREMIER
Bankcard, LLC
** *** ****
Sioux Falls, SD 57117-5114
(HLL)

(15450)

PREMIER Bankcard, LLC is a registered Member Service
Provider for First PREMIER Bank.
Customer Answer
Date: 06/19/2025

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:06/03/2025
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 company keeps calling me regarding this credit card, which has been paid, through debt consolidation, and i have a letter at home stating that. However, they are continuously calling me, and harassing me. I block their number, and they find a way to override the block, or call from a different number. This is beginning to become a nuisance.
Business Response
Date: 06/06/2025
RE: First PREMIER Bank
credit card account ending in ****

Dear ******

We are sorry to hear of
your frustrations.

After receiving your
complaint through the Consumer Financial Protection Bureau, a cease and desist
was completed on May 29. Our response was mailed to you on June 5, which
stated:

Our records confirm we
have not attempted to contact you in the last year, and we did not attempt to
contact you at the phone number listed on the complaint ***** *********
If you continue to receive these
unwanted phone calls, we recommend visiting the Federal Communications
Commission (FCC) website for information on how to file a complaint: ***********************************************************************
Your account was opened in
March 2017 and became delinquent in September 2017. The balance and delinquency
continued to increase until the account charged off in November 2017 with a
balance of $710.74. The balance was settled in April 2025.

We hope this information is helpful and if you
have further questions, please contact Customer Service at ***** *********

Sincerely,

Office of the President
Business Communications
PREMIER
Bankcard, LLC
** *** ****
Sioux Falls, SD 57117-5114
(HLL)

(15402)

PREMIER Bankcard, LLC is a registered Member Service
Provider for First PREMIER Bank.

Customer Answer
Date: 06/06/2025
I have received calls, i haven’t received anymore since i sent this message, but calls were coming through, up until this week! I appreciate that the calls have stopped .
Initial Complaint
Date:06/02/2025
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 is my formal request to address and resolve the unauthorized accounts that are currently listed on my credit report. These inaccurate entries have significantly impacted my FICO score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter.

FST PREMIE
ACCOUNT no.: ************ DATE OPEN: 07/01/2018
BALANCE: $951.00
Business Response
Date: 06/04/2025
Dear
Alia:

This
is in response to your concerns regarding the First PREMIER Bank credit card
accounts ending in **** and *****

After
receiving your complaint, we processed a cease and desist.

In
May 2025, we investigated your claims of identity theft and found you
responsible for both accounts. If there is additional information you would
like us to consider, please call Customer Service at ************ or send it
to:

First
PREMIER Bank
Attn:
Security Department
** *** ****
Sioux
Falls, SD 57117-5524

The
account ending in **** was opened in February 2017 and became delinquent in August 2018.
The delinquency continued to increase until the account charged off in December
2018 with a balance of $751.04, which remains today.

The
account ending in **** was opened in July 2018 and became delinquent in August 2018.
The delinquency continued to increase until the account charged off in December
2018 with a balance of $951.07, which remains today.

Following
a thorough review, we confirmed these accounts are accurately reporting. Both
accounts will remain on your credit report for approximately seven years from
the charge off date, and the consumer reporting agencies will remove the
accounts at the correct time.

We
hope this information is helpful; if we can be of further assistance, please
call Customer Service.

Sincerely,

Office
of the President
Business
Communications
PREMIER Bankcard, LLC
** *** ****
Sioux
Falls, SD 57117-5114
(jdh)

(15377)

PREMIER Bankcard, LLC is a
registered Member Service Provider for First PREMIER Bank.

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First PREMIER Bank - Retail is BBB Accredited.