Complaints

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

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• 

  First PREMIER Bank - Retail

  500 S Minnesota Ave Sioux Falls, SD 57104-6837

  
• 

  First PREMIER Bank - Retail

  6010 S Minnesota Ave Sioux Falls, SD 57108-2714

  
• 

  First PREMIER Bank - Retail

  503 Main Ave Lake Norden, SD 57248

  
• 

  First PREMIER Bank - Retail

  824 34th St SE Watertown, SD 57201-9107

  
• 

  First PREMIER Bank - Retail

  4000 S Southeastern Ave Sioux Falls, SD 57103-5300

  

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:03/27/2023

  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.

  I have repeatedly requested VALIDATION and they have failed to send me a contract with my wet signature swearing to the truths of the statements of the facts of the matter in a notarized document. Sending me a summary or statement of alleged charges does not in any way validate the debt and I want this company deleted from all of the credit bureaus they illegally reported to.

  

  Business Response

  Date: 03/28/2023

  RE: First PREMIER Bank
  credit card account ending in ****
  
  Dear Aneatra:
  
  First PREMIER Bank is the
  original creditor and not obligated to provide validation of debt. This is the
  first request for debt validation that we’ve received from you. Several
  disputes have been received through the consumer reporting agencies and we responded
  directly to them. We also completed a fraud investigation in October 2021 and
  found you liable due to the account information verified as belonging to you.
  
  Upon
  receipt of this complaint, we processed a cease and desist. We will no longer
  attempt collection efforts on this account.
  
  The account was opened in September
  2020 after receiving an online application. There is no signed contract
  available. The
  required notice for us reporting to the consumer reporting agencies was
  provided on the first statement. If you’d like to request a copy, please call
  Customer Service at ************.
  
  We stopped receiving
  payments and determined the debt was unlikely to be collected, so the account
  charged off in June 2021. The balance is $******. Even though the account is
  charged-off, you remain responsible for the balance.
  
  Charged-off accounts
  normally remain on the credit report approximately seven years from the date of
  charge-off. Accurate information is not changed or removed. The consumer
  reporting agencies are responsible to remove accounts at the correct time.
  
  Sometimes we assign accounts to collection agencies for servicing, but
  First PREMIER Bank is still the owner of the debt. We are currently servicing
  the account and are responsible for reporting accurate information.
  
  We
  hope this information answers your concerns regarding the validity of the
  account.
  
  Sincerely, 
  
  Office of the President
  Business Communications
  PREMIER
  Bankcard, LLC                                                                                
  ** *** ****
  ***** ****** ** **********
  (**)
  (*****)
  
  PREMIER Bankcard, LLC is a registered Member Service
  Provider for First PREMIER Bank.
  

  Customer Answer

  Date: 03/28/2023

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because: 

  ALL of this is a complete lie and you have not verified ANYTHING from me. I’ll escalate this further because there’s no way you’ll get away with this. **** **** ************* ********** ******* ***** *** ****** ************* ********* You will hear from my team and I. 
  
  
  
  Sincerely,
  
  
  
  Aneatra ******

  

  Business Response

  Date: 03/30/2023

  Dear
  Aneatra:
  
  We
  recognize your frustration and assure you we take fraud claims seriously and
  conduct a reasonable investigation into each one.
  
  Before
  an application is approved, First PREMIER Bank verifies the identity of every
  new customer in accordance with the USA PATRIOT Act.
  
  Since we are the original creditor, we are not obligated to provide
  validation of the account.
  
  If you are claiming this account was fraudulently opened, please
  provide the following:
  
  Completed identity theft affidavit (******************************)
  Documentation to support your claim, such as a police report
  Details about how you think this fraud occurred and who is
  responsible
  Verification of your mailing address at the time this account was
  opened
  
  This information can be sent
  directly to:
  
  First
  PREMIER Bank
  Attn:
  Security
  ** *** ****
  ***** ****** ** **********
  
  Your cooperation is an important part of our
  investigation. 

• Initial Complaint

  Date:03/25/2023

  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’m certain most are aware this is of *** **** ********* ********* in existence but even so you still expect them to follow through on plans.
  
  I held an account with them for no reason other than to have additional Tradeline I attempted to increase Tradeline it apparently went through as an additional card when I was sent I attempted to have converted to one account and advised it to want what I wanted close card and delete hard inquiry they said the could not I found them to be ****** ********* I elected to end relationship with them I though account was cancelled upon initial 2 requests this never took place
  
  They enrolled program into payment plan for account **** advising that the initial payment was due for $** as verified on a recorded line where they advised that would cover both March and April and it would be at a reduced payment thereafter.
  
  Today I called guy said you may or may not be on program but you owe us multiple months you haven’t paid in months um no not accurate I’m not even one month past due and I paid the exact amount owed and early at that
  
  Immediately fix this and apply addition credit for wasting my time energy and effort
  
  I made said payment on May 15th two days prior to the 17th due date. Looking at statements it showed $** past due which I was already disputing as I thought the account was closed based on earlier conversations and multiple credits applied none the less I paid within 30 days and the exact amount as stated on recorded line to enter program that was twice stated to cover both months important to note I have two accounts exact same thing offered except it was done correctly on first account .
  
  I called when I noticed this was not processed as I was advised they told me it’s because I was calling too soon after 22nd invoice posted I would see it process that did not happen it actually shows me past due no payment made. It was originally showing $** due I paid $** which was

  

  Business Response

  Date: 04/11/2023

  RE: First PREMIER Bank
  credit card accounts ending in **** and ****
  
  Dear Matt,
  
  Your accounts are enrolled
  in the Temporary Payment Program (TPP). Below is a summary of the TPP agreement
  for each account:
  
  Account ending in ****:
  Enrollment date: 03/11/2023
  Duration: ** months
  Payment amount: $*****
  
  Account ending in ****:
  Enrollment date:
  03/17/2023
  Duration: ** months
  Payment amount: $*****
  
  As explained in the TPP
  agreement letter sent to you upon enrollment of your accounts, we must receive
  the monthly minimum payment by the due date listed on your monthly billing
  statement. The new minimum payment amount may not be reflected on the website,
  the automated system, or on your monthly statement.
  
  A minimum payment is
  required each month there is an outstanding balance and cannot be paid in
  advance. The payment amount received each month is deducted from the
  outstanding balance. We reviewed your phone conversations and verified you were
  provided accurate information. 
  
  Enrollment in the TPP does
  not eliminate the delinquency on the accounts. As you continue making payments,
  this will reduce the delinquency.
  
  Upon review of your
  accounts, we found all late fees that billed to both accounts have also been
  credited. No further credit is due.
  
  We hope this information
  is helpful and addresses your concern.
  
  Sincerely, 
  
  Office of the President
  Business Communications
  PREMIER
  Bankcard, LLC                                                                                
  ** *** ****
  ***** ****** ** **********
  (***)
  
  (*****)
  
  PREMIER Bankcard, LLC is a registered Member Service
  Provider for First PREMIER Bank.

  Customer Answer

  Date: 04/11/2023

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because:

   

  im not sure what you were seeking to resolve with your response? You further bolstered my position listen to recorded call. 
  

  it was advised that I needed to make a payment of $** to bring account current for **** I paid $** so what is your point?

  it was also to receive a collection credit of $** since it was not properly closed upon my initial written request 

  fix And do not contact me ever again 

  delete ccpa info

  
  
  
  Sincerely,
  
  
  
  Matt *****

  

  Business Response

  Date: 04/14/2023

  Dear Matt:
  
  We sorry
  you’ve had a negative experience. We processed a cease and desist on March 27,
  so no further collection efforts will be made. No compensation is due to you. All late fees have already been
  credited to your accounts.
  
  First
  PREMIER Bank is committed to correctly reporting account details to the
  consumer reporting agencies and we do not change or remove accurate
  information.
  
  Your
  minimum payment due for the account ending in **** is $***** by May 17 and the
  account ending in **** is $***** by May 9.
  
  We
  hope this information is helpful.
  
  Sincerely, 
  
  Office of the President
  Business Communications
  PREMIER
  Bankcard, LLC                                                                                
  ** *** ****
  ***** ****** ** **********
  (**)
  
  (*****)
  
  PREMIER Bankcard, LLC is a registered Member Service
  Provider for First PREMIER Bank.

• Initial Complaint

  Date:03/24/2023

  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.

  The credit has placed delinquent marks on my credit 3/24 and the bill was due 17 March. They fraudulently report this every month lowering scores ans reducing balances and charging exteemly high late fees. This can't be legal

  

  Business Response

  Date: 03/27/2023

  March 27, 2023
  
  Shantaya,
  
  We understand that credit
  reporting concerns can be frustrating. First PREMIER Bank is committed to
  correctly reporting account details to the consumer reporting agencies. We do
  not change or remove accurate information. If you have further questions or
  concerns on your credit score, please reach out to the consumer reporting
  agencies directly.
  
  Both
  of your accounts were enrolled in our 3-month Temporary Payment Program (TPP)
  in February 2023. Monthly payments are required to stay enrolled in the
  program. Your first payments were received on February 1. You made payments
  again on February 15, but they were too early to cover the payments due in
  March. We are sorry that our associate didn’t clarify this with you when the payments
  were made.
  
  To
  help resolve this situation, we reversed the late payments in March 2023. To
  stay enrolled in our TPP please ensure your next payments are made by April 16.
  
  Sincerely, 
  
  Office of the President
  Business Communications
  PREMIER
  Bankcard, LLC                                                                                                                      
  ** *** ****
  ***** ****** ** **********
  (***)
  
  (*****)
  
  PREMIER Bankcard, LLC is a registered Member Service
  Provider for First PREMIER Bank.

• Initial Complaint

  Date:03/22/2023

  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.

  Recently, I did an investigation on my credit report ***** ****** ****** ********** **** ** and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100% correct. In accordance with the Fair Credit Reporting Act, everything has to be 100% accurate on my credit report and Under 15 U.S. Code 1681e(b) and 15 U.S. Code 1681i (5) these accounts are in violation of not reporting 100% accurate.

  

  Business Response

  Date: 03/30/2023

  RE: First PREMIER Bank
  credit card account ending in ****
  
  Dear Keonda,
  
  We previously responded to
  your concerns through the Federal Reserve Bank of Minneapolis in our letter
  dated March 17.
  
  As we previously
  explained, we are no longer reporting this account to the consumer reporting
  agencies. Please ensure that you are viewing your most current and up-to-date
  credit report.
  
  If
  you have recent documentation that reflects this account still reporting to the
  consumer reporting agencies, please send it to my attention at the address
  listed below.
  
  Sincerely, 
  
  Office of the President
  Business Communications
  PREMIER
  Bankcard, LLC                                                                                   
  ** *** ****
  ***** ****** ** **********
  (***)
  
  (*****)
  
  PREMIER Bankcard, LLC is a registered Member Service
  Provider for First PREMIER Bank.

• Initial Complaint

  Date:03/21/2023

  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.

  I am filing a complaint against First Premier Bank credit card due to extremely poor customer service and failure to being able to make a payment on my credit card to finalize a settlement agreement payment installment. Despite having called their number (**************) repeatedly over the past 72 hours, during their normal business hours, posted across all mediums, I am not being transferred to a live representative. Instead, the system keeps looping me back and saying "our offices are closed." I therefore called the bank department call center twice to ask for help. Two representatives tried to connect me with the credit card department internally, and they too experienced the same problem. My final payment is due on this card (*****) and yet ironically, I can't reach anyone. When all the other times I called to make a payment, I got a live person with no issues. Moreover, on a separate card account (*****), I had a similar problem. On that account, I opted to mail in my payment for the final payment, which I did. But they claim they never received it. Then told me that I had to renegotiate the settlement agreement from scratch. I refused. They then said I can mail them a copy of the lost payment money order and they would then honor the original agreement. I told them that it would take weeks, maybe months, for the store I got the money order from to run a trace on the money order. Which has yet to be sent to me from the money order store. Overall, I feel that this company is intentionally trying to sabotage me from paying off my credit cards. I feel swindled and taken advantage of. As such, I demand that my card ending in ***** and ***** be marked as paid/closed. I do not trust this company. I have done my part. I made my payments. I negotiated a settlement in good faith. They are failing to provide good customer service. I can't even reach a real human! This is causing me great emotional distress as I try to clean up my credit. I refuse to waste any more time.

  

  Business Response

  Date: 03/23/2023

  RE: First PREMIER Bank
  credit card accounts ending in **** and ****
  
  Dear Judith:
  
  Your account ending in
  **** charged off in April 2021 with a balance of $********. We spoke with you
  on December 20, 2022, at which time we came to a settlement arrangement of
  $****** with five separate payments. As of today, we’ve received four payments
  totaling $******. As a courtesy, we are willing to extend the initial due date
  to March 30. A payment of $****** must be made prior to March 30 to complete
  the settlement agreement.
  
  Your account ending in
  **** charged off in May 2021 with a balance of $********. We spoke with you on
  April 7, 2022, at which time we came to a settlement agreement of $****** with
  two separate payments. We received one payment of $******, but we didn’t
  receive the mailed in payment of $*****. Since the final payment was not received,
  the settlement offer was void. Since you claim you sent this payment via money
  order, please provide us with the trace #. Upon receipt we can further investigate.
   
  
  Our Specialty team is
  available Monday-Thursday from 7:30 am – 5:00 pm and Friday from 7:30-4:30 pm
  at ************.
  
  We apologize for any
  frustration you’ve experienced and hope this is helpful.
  
  Sincerely, 
  
  Office of the President
  Business Communications
  PREMIER
  Bankcard, LLC                                                                                
  ** *** ****
  ***** ****** ** **********
  (**)
  
  (*****)
  
  PREMIER Bankcard, LLC is a registered Member Service
  Provider for First PREMIER Bank.

  Customer Answer

  Date: 03/23/2023

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because: I feel it is unfair and unethical that the settlement agreement for the account ending in **** is being voided due to no fault of my own. I was originally told that after the money order is traced, whatever documents the money order provider sends, I am to submit that to First Premier Bank. And they would then honor the original settlement agreement. As such, upon receiving the trace document from the business where I purchased the money order it will be submitted via this BBB complaint portal. I do not have any faith or trust in First Premier acknowledging receipt of said document if I should mail it.

  Moreover, for the record, I am not in a financial position to pay more than the remaining $** on the original settlement agreement for the account ending in ****.

  Due to severe economic hardship, medical hardship, and job loss. I will not be able to negotiate a new settlement.

  If after receiving the money order trace document, First Premier decides to not honor the original agreement, I will be force to negotiate a brand new settlement. Due to the above explained hardship, I would only be willing to do so, under the following conditions. That a new settlement arrangement would be for no more than **% of the remaining balance $*** X **% = $******) which I would pay in equal payments, one in April 30, 2023 ($******) and May 30, 2023 ($******).

  This is contingent on the results of the original money order trace results.

  I am further logging a complaint that it took me filing this BBB complaint in order to finally receive proper customer service from this business.

  I phoned the number provided and made my FINAL payment on the account ending **** as per the settlement agreement. The payment of $****** was authorized to come out of my account on March 30, 2023 for a one time payment. Subsequently, I require that I receive a letter confirming this account matter is closed and paid as agreed per the settlement.

  Had I not taken time to file this complaint with the BBB I truly believe that this company would have tried to nullify my settlement agreement for the account **** and set me up for failure.

  Thank you BBB for your support in this pressing matter.

  
  
  
  Sincerely,
  
  
  
  Judith ********

  

  Business Response

  Date: 03/28/2023

  RE: First PREMIER Bank
  credit card accounts ending in **** and ****
  
  Dear Judith:
  
  Account ending in ****:
  Our records show that you
  set up the final settlement payment of $****** to post on March 30. Upon
  receipt and verification of these funds, the balance will be reduced to zero
  and your credit report updated to reflect the settlement.
  
  Account ending in ****:
  Since you claim you sent
  this payment via money order, please provide us with the trace #. Upon receipt
  we can further investigate.  If you’d
  feel more comfortable, you may provide this to the BBB. While we recognize your
  frustration, we are unable to help without this information.
  
  We hope this is helpful.
  
  Sincerely, 
  
  Office of the President
  Business Communications
  PREMIER
  Bankcard, LLC                                                                                
  ** *** ****
  ***** ****** ** **********
  (**)
  
  (*****)
  
  PREMIER Bankcard, LLC is a registered Member Service
  Provider for First PREMIER Bank.

• Initial Complaint

  Date:03/21/2023

  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.

  I’m writing to you because I noticed that my most recent credit report contains a late payment reported on [Sep 2022] for my [FIRST PREMIER BANK] Account # (************)
  
  15 U.S. Code § 1681s–2 - Responsibilities of furnishers of information to consumer reporting agencies
  (7) Negative information
  (A) Notice to consumer required
  (i) In general
  If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 1681a(p) of this title furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer.
  I WAS NEVER ADVISED THAT [FIRST PREMIER BANK] WAS GOING TO FURNISH A LATE PAYMENT ON MY CONSUMER REPORT! THIS IS CLEARLY A VIOLATION!
  
  late payments are illegal,
  
  15 U.S. Code § 1666b - Timing of payments - (a) Time to make payments
  A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637(b) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date
  
  I NEVER RECEIVED reasonable procedures designed to ensure that each periodic statement including the information required by section 1637(b) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date
  
  
  I demand that [FIRST PREMIER BANK] update the late payment to pay it is agreed and never late with the following consumer reporting agencies: Equifax, Experian and TransUnion or all that apply.

  

  Business Response

  Date: 03/22/2023

  RE: First PREMIER Bank
  credit card account ending in ****
  
  Dear Monica:
  
  The required notice for us reporting to the consumer reporting
  agencies was provided on the first account statement.
  
  We
  reviewed the account history and found that you received unclear information
  about credit reporting when you recently paid in full; therefore, we are
  sending a request to the consumer reporting agencies to remove the late payment
  from September 2022. Please allow approximately 45 days for the information to
  update.
  
  We
  did not receive the payment due by August 21, then the $***** payment you made
  on August 31 was returned by your bank due to the account being closed. The
  next payment was received on September 24, after the due date. Since two due
  dates were missed in a row, your account reported delinquent. Making late
  payments can have consequences such as late fees and negative credit reporting.
  
  We
  appreciate you being a customer and hope this letter resolves your concerns.
  
  Sincerely, 
  
  Office of the President
  Business Communications
  PREMIER
  Bankcard, LLC                                                                                
  ** *** ****
  ***** ****** ** **********
  (**)
  
  (*****)
  
  PREMIER Bankcard, LLC is a registered Member Service
  Provider for First PREMIER Bank.

• Initial Complaint

  Date:03/20/2023

  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.

  Cards were suspended called to find out why and lady said they mailed me saying they wanted me to mail a copy of my drivers license and social security card to them for some purpose unknown. Asked the lady where can i fax or mail it and she *** **** *** ******* gave me info. Since i didn’t feel comfortable with my info being in the mail fax it which was the other pot that was offer. Was told they would fix their mistake after and unsuspend my cards and they have not. I want them to unsuspend my card since they suspended them for no reason and get an apology from them

  

  Business Response

  Date: 03/27/2023

  Dear Lisa:
  
  Your First PREMIER Bank
  credit card accounts have been reopened. Thank you for providing the requested
  information to verify your address and social security number (SSN). We
  apologize for this negative experience.
  
  Both accounts were suspended
  because we received a fraudulent application claim through the consumer
  reporting agency. A letter was mailed explaining the information needed to review your account for reinstatement due to the potentially
  fraudulent activity associated with the address and SSN. The accounts were then
  closed by us because we did not receive the requested verification.
  
  We
  hope you understand that we have your best interest in mind and want to ensure
  your account is secure.
  
  Sincerely, 
  
  Office of the President
  Business Communications
  PREMIER
  Bankcard, LLC                                                                                
  ** *** ****
  ***** ****** ** **********
  (**)
  (*****)
  
  PREMIER Bankcard, LLC is a registered Member Service
  Provider for First PREMIER Bank.
  
  

• Initial Complaint

  Date:03/17/2023

  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.

  Called about fraudulent charge, disputed, paid off card in full. Got paperwork for dispute. Never heard anything back. Got next bill for disputed amount, called them, asked for supervisor, said we were responsible and he'd report it as we were not going to pay. I don't think they ever investigated charge cause after paying and closing account, got new bill for amount and a $** late charge. People who charged my card lied

  

  Business Response

  Date: 03/20/2023

  First
  PREMIER Bank credit card account ending in ****
  
  Dear
  Robert:
  
  We
  previously received and responded to a similar complaint from Lorena through
  the Better Business Bureau (BBB)on February 28. That Case # was: ********.
  
  Because
  you were found liable for the disputed charge, you are responsible to pay the
  remaining balance on this account. As a courtesy we credited three late fees
  totaling $****** and the $***** additional card fee. The current balance on
  your account is $******. Not making payments can cause additional fees and
  damage your credit.
  
  Even though the account is closed, you are
  responsible for applicable fees and interest until the account balance is paid.
  
  In our
  previous response to Lorena, through the BBB we stated:
  
  Hello
  ******** ******* first billed your account $****** on September 24. We spoke
  with you on October 13, at which time you requested the account closed and
  stated you did not authorize this charge.
  
  You
  were found liable for the disputed charge, as the merchant confirmed the name,
  mailing address, and email address, matched with what is on your credit card
  account. To further dispute this, we suggest you review the merchant’s return
  policy and reach out to them directly to attempt to resolve. The merchant
  provided us with the enclosed copy of their policy.
  
  The details of this account are reported to the
  consumer reporting agencies at the time the statement generates and new
  information can take 30-45 days to update. 
  Accurate information is not changed or removed. We recommend that you
  contact the consumer reporting agencies to obtain more detailed information or
  discuss your credit score. 
  
  We apologize for any inconvenience and understand
  the dispute process can be frustrating. We hope that you are able to resolve
  this issue with the merchant.
  
  Sincerely, 
  
  Office
  of the President
  Business
  Communications
  PREMIER
  Bankcard, LLC    
  ** *** ****
  ***** ****** ** **********
  (**)
  
  (*****)
  
  PREMIER Bankcard, LLC is a
  registered Member Service Provider for First PREMIER Bank.
  

• Initial Complaint

  Date:03/17/2023

  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.

  COMPANY VIOLATED "FCRA, FCBA, FDCPA" WITH REPORTING (2) ACCOUNTS $*** AND $******** NOT MINES AND NEVER DONE BUISNESS WITH COMPANY,. ACCOUNT# UNKNOWN, **** ***** **** ********, ACCOUNT EXPIRED TO COLLECT IN THE STATE OF ******* STATUTE OF LIMITATION ACCOUNT OVER 4YRS OLD/ OPEN ENDED ACCOUNT...ID FRAUD AFFIDAVIT FILED WITH "FTC"

  

  Business Response

  Date: 03/21/2023

  Dear Felicia:
  
  This is
  the first notice of identity fraud we have received, and we forwarded it to our
  Security department. Please allow up to 30 days for them to
  investigate and they will contact you directly. To assist with the investigation,
  please provide the following information:
  
  Completed identity theft affidavit (******************************)
  Supporting documentation, such as a police report naming the
  suspect – if available
  Proof of your address at the time the account was opened
  Explain who has access to the phone number ***** ******** listed
  on your complaint and both credit card applications
  Explain how the credit cards were mailed to the address on the
  complaint without your knowledge
  
  Please
  send the requested information to:
  
  First PREMIER Bank
  Attn: Security
  ** *** ****
  ***** ****** ** **********
  
  The
  First PREMIER Bank credit card accounts were opened in December 2017 (****) and
  February 2019 (****) in your name and address. Before an application is
  approved, we verify the identity of every new customer in accordance with the
  USA PATRIOT Act. The accounts were used for purchases, and applicable fees and
  interest accrued. We stopped receiving payments and determined that the debts were
  unlikely to be collected, so the accounts charged off in July 2022 (****) and
  June 2022 (****). The balances are $****** (****) and $******** (****).
  
  Charged-off accounts are normally removed from
  the credit report approximately seven years after the charge-off date. Upon
  completion of the investigation, the account will be reviewed for possible
  adjustments.
  
  A statute of limitations is merely a time limit
  set in which a civil suit can be brought. First PREMIER Bank has no intentions
  of suing you for the balances of these accounts.
  
  We encourage you to contact the consumer
  reporting agencies to discuss options to protect yourself from additional
  fraud. You can find more information at:
  *****************************************************************************
  
  Your
  cooperation is an important part of our investigation. Thanks in advance for
  providing the requested information.
  
  Sincerely, 
  
  Office of the President
  Business Communications
  PREMIER Bankcard, LLC                                                                                       
  ** *** ****
  ***** ****** ** **********
  (**)
  
  (*****)
  PREMIER Bankcard, LLC is a registered Member Service
  Provider for First PREMIER Bank.

• Initial Complaint

  Date:03/09/2023

  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 sent several notices to First Premier Bank. Asking them to provide evidence of an the obligation they claim I owe. dates are as follows. January 17, 2023 via certified mail #: **** **** **** **** ****, on the same date **** **** **** **** ****, Dated January 30th 2023 via certified mail number **** **** **** **** ****. I also sent a letter to each credit bureau. The conduct of First Premier Bank is causing extreme financial hardship as I cannot acquire credit to handle my basic necessities. There's a strong possibility that this could be identity theft. I certainly did not give them permission to place this account on my credit report.

  

  Business Response

  Date: 03/10/2023

  RE: First PREMIER Bank
  credit card account ending in ****
  
  Dear Kim:
  
  We previously addressed
  your concerns on February 2, through the Better Business Bureau (BBB - Case ID:
  *********) and the Federal Reserve Bank of Minneapolis on February 3.
  
  As
  previously stated, First PREMIER Bank is the original creditor and we are not
  obligated to provide debt validation.
  
  The
  credit card was sent to your attention, at the above address: ** * ******* *** *** **, *** ****** ** *****. Your monthly statements are sent to the email
  address *********************.
  
  Our Security Team
  investigated your claim of identity fraud and found you liable as the account
  information verifies as belonging to you.
  
  We previously asked that
  you provide us with additional information, but have yet to receive it:
  
  Completed
  identity theft affidavit (******************************)
  Details
  about how you think this fraud occurred and who is responsible
  Supporting
  documentation, such as a police report – if available
  Proof
  of your address at the time the account was opened
  Explain how the credit card and correspondence was mailed to the address on the complaint without your knowledge
  Explain who has access to the email ********************* that was used to enroll your account online and for e-statements
  
  Your
  cooperation is an important part of our investigation.
  
  Sincerely, 
  
  Office of the President
  Business Communications
  PREMIER
  Bankcard, LLC                                                                                
  ** *** ****
  ***** ****** ** **********
  (**)
  
  
  (*****)
  
  PREMIER Bankcard, LLC is a registered Member Service
  Provider for First PREMIER Bank.