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 ComplaintThe 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:03/09/2023
Type: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 victim of identity theft. My personal information was used to apply for fraudulent accounts with first premeir bank. I have been severely affected due negative impact on credit score and reputation. This fraudulent information on my credit report has caused me damages. I would like for first premeir to do a through investigation and remove accounts immediately.
Business Response
Date: 03/10/2023
Dear Kendall,
First PREMIER Bank
received an online application in your name and address in November 2022. An
account was opened and used for several purchases. The account was closed as
fraud when we spoke with you on March 9.
Our Security Department is
reviewing your fraud claim. Please allow up to 30 days for them to complete their investigation
and respond to you directly. Upon
completion of their investigation, possible adjustments to your credit report
will be made at that time.
We encourage you to contact the consumer
reporting agencies to discuss options to protect yourself from additional
fraud. You can find more information at:
*****************************************************************************
Thank
you in advance for your patience.
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: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.
COLLECTION AGENCY is violating the Customer Name, they removed it from one bureau and did not removed it from rest of the bureaus. Please remove this information from my credit report immediately.Business Response
Date: 03/10/2023
Dear Imani,
We
verified your First PREMIER Bank credit card account ending in **** is
reporting accurately to the consumer reporting agencies, including as charged
off with an unpaid balance and disputed by consumer. Accurate
information is not changed or removed.
The same information is reported to the consumer
reporting agencies, and they are expected to update the information on your
credit report. Please consult directly with them if you have specific questions
on how the information appears.
Your account was opened in
March 2021 and charged offed due to delinquency in February 2022. The balance
is $******. Charged-off accounts are normally removed from the credit report
approximately seven years from the charge-off date. The consumer reporting
agencies are responsible to remove accounts at the correct time. We have no
record of requesting this account deleted from the consumer reporting agencies.
If you still feel there is
incorrect information on your current credit report, please provide more
information for us to investigate:
Specific information you are disputing
A detailed explanation on why you feel the
information is incorrect
Any supporting documentation to validate why
it is not accurate
This information can be sent
to me directly at the address listed below.
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:03/09/2023
Type: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.
COLLECTION AGENCY is violating the Customer Name, they removed it from one bureau and did not removed it from rest of the bureaus. Please investigate and remove this PAID chargeoff from my credit report immediately.Business Response
Date: 03/10/2023
Dear Makeda,
We
verified your First PREMIER Bank credit card account ending in **** is
reporting accurately to the consumer reporting agencies, including as charged
off, paid for less than the full balance, and disputed by consumer. Accurate
information is not changed or removed.
The same information is reported to the consumer
reporting agencies, and they are expected to update the information on your
credit report. Please consult directly with them if you have specific questions
on how the information appears.
Your account was opened in August
2015 and charged offed due to delinquency in March 2018 with a balance of
$********. The account was settled in December 2020. Charged-off accounts are
normally removed from the credit report approximately seven years from the
charge-off date, even when settled. The consumer reporting agencies are
responsible to remove accounts at the correct time.
If you still feel there is
incorrect information on your current credit report, please provide more
information for us to investigate:
Specific information you are disputing
A detailed explanation on why you feel the
information is incorrect
Any supporting documentation to validate why
it is not accurate
This information can be sent
to me directly at the address listed below.
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:03/09/2023
Type: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.
For the past couple of months, first premier credit I’ve been sending me emails and text that my payment is due in five days on the fourth day I go inside to make my payment and there’s already a late fee applied to my account. I contacted their customer service department and they only waive one late fee I would like all the late fees to be waived because this is not my fault I think this is intentional on the creditor to get more money from the consumer I regret getting first premier as a credit cardBusiness Response
Date: 03/14/2023
Dear Akil:
Your due date is on the
2nd of every month. A late fee is charged when the minimum payment is
not received by the cutoff time on the due date. You can request a change to
your due date by calling Customer Service at ************.
Every month, an email notification is sent when your statement is
available online. These monthly statements confirm your balance, amount due and
due date.
Since your account was opened in February 2021, your account was
charged four late fees: September 2022, October 2022, December 2022, and
February 2023. When you called on March 8, our associate credited a $***** late
fee in good faith.
Below is a list of payments received for the past 6 months:
2/5/2023 - $*****
12/31/2022 - $*****
12/03/2022 - $*****
10/25/2022 - $*****
10/03/2022 - $*****
Making late payments has consequences, such as late fees and negative
credit reporting.
Upon receipt of your correspondence and in good faith, we credited another
$***** late fee. We hope this adjustment 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: 03/14/2023
Complaint: ********
I am rejecting this response because: I see some inaccuracies with the adjustments, and I would like to speak to somebody in the loyalty department after they reversed the late fees. The balance is still the same. first for mayor is not being truthful to the customer and I would like to speak to someone from the presidents office of first premier bank.
Sincerely,
Akil ********Business Response
Date: 03/15/2023
Dear
Akil:
The current
balance on your account is $****** and $***** is due by April 2.
If you
have any further questions or concerns on your balance, please call Customer
Service at ************.Customer Answer
Date: 03/15/2023
Complaint: ********
I am rejecting this response because: I will be escalating this to the next step
Sincerely,
Akil ********Initial Complaint
Date:03/09/2023
Type: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 violated my consumer rights numerous of times. I demand the late payments of account *********** be removed or the delete the account. The following violations are
15 U.S.C 1681 section 602 A. States I have the right to privacy
15 U.S.C 1666B: 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
15 U.S.C 1692C (a) Communication with the consumer generally
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: 03/10/2023
Dear DeAngelo:
The
required notice for us reporting your accounts to the consumer reporting
agencies was provided on the first account statements. If you’d like to request
a copy of these statements, please call Customer Service at ************.
We confirmed we are
accurately reporting your accounts. Accurate information is not changed or
removed.
The account ending in ****
was open in October 2019 and charged off due to delinquency in January 2020. It
was paid in full in June 2022. Charged-off accounts normally remain on the
credit report approximately seven years from the date of charge-off, even if
paid. It is the responsibility of the consumer reporting agencies to remove
accounts at the correct time.
The account ending in ****
was opened in August 2022. The balance is $***** with a minimum payment of
$***** due by March 16. When just one due date is missed, the delinquency does not report to
the consumer reporting agencies. There
are no late payments reporting on this account.
We know this is not the
answer you want but hope you can understand our commitment to accurate credit
reporting.
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: 03/10/2023
Complaint: ********
I am rejecting this response because: I was victim of identity theft I have attached my FTC report
Sincerely,
Deangelo * *******Business Response
Date: 03/13/2023
We referred your identity theft claim to our
Security Department. Please allow up to 30 days for them to investigate and
they will contact you directly. Thank you in advance for your patience.Customer Answer
Date: 03/14/2023
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,
Deangelo * *******Initial Complaint
Date:03/07/2023
Type: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 made a payment on the credit account thru the app for $*** on 3/1/23 (cleared 3/2). On 3/5/23 I got an alert from my debit account saying $*** was taken for First Premier Bank (FPB) Retry. After viewing my transactions I see that my payment on 3/1 processed and they had accessed my account without authorization and took another $*** days later. I called FPB immediately and was told by a supervisor named Lori that I made one payment thru the app then called and made the same payment again, effectively paying twice because I like giving my money away which is not true. I advised I had not called, for her to counter with "yes you did" as if she received a call from me personally. I asked for the recording of this payment I so called made and of course she says there's not one available. What credit card company takes debit payments over the phone without recorded verification??? Lies lies lies and theft. This company targets ********** struggling with credit who already have limited income in order to steal what they have and ruin their credit further. I want my money back and I want the card destroyed and contract end without penalty to my credit due to this "company's" business practices.Business Response
Date: 03/09/2023
Dear Adrienne:
On March 1, at 1:59 am Central
Time your First PREMIER Bank credit card account was accessed online with your
username and password. A payment of $****** was scheduled for that day from
your checking account ending in ****. On March 3, we received an insufficient
funds notification from your bank and re-submitted the payment to your bank. Returned
payments may be re-presented to your financial institution for payment up to two
times. Before we can refund this payment, we need confirmation that this
payment has cleared your bank account. There is an option to upload documents
on our website at: www.mypremiercreditcard.com.
On March 2, at 6:04 am Central
Time we received a call from ***** ******** and a $****** payment was set up through
our Voice Response Unit (VRU) to post that day from a debit card account ending
in ****.
First
PREMIER Bank's objective is to provide access to credit for those who need it
most. We understand our cards do not fit everyone's financial situation. Our
fees are straightforward and clearly disclosed to all consumers.
The account was most
recently used on March 5. If you wish to close this account, please call
Customer Service at ************. Be advised, even if you close the account you
are liable for the remaining balance. Your current balance is $******, unless
you would provide proof of your check clearing. Refunding that payment would
increase the balance.
We hope this letter
clarifies your concerns.
Sincerely,
Office of the President
Business Communications
PREMIER
Bankcard, LLC
** *** ****
***** ****** ** **********
(**)
The federal Equal Credit
Opportunity Act prohibits creditors from discriminating against credit
applicants on the basis of race, color, religion, national origin, sex, marital
status, age (provided the applicant has the capacity to enter into a binding
contract); because all or part of the applicant’s income derives from any
public assistance program; or because the applicant has in good faith exercised
any right under the Consumer Credit Protection Act. The federal agency that
administers compliance with this law concerning this creditor is the Federal
Reserve Bank of Minneapolis. You may contact them at: Federal Reserve Consumer
Help, P.O. Box 1200, Minneapolis, MN 55480. Toll-free: (888) 851-1920, Fax:
(877) 888-2520, TDD: (877) 766-8533
(*****)Customer Answer
Date: 03/09/2023
Complaint: ********
I am rejecting this response because: I NEVER called you to make another payment because on my and the banks end the payment went through. There is a problem with what your system is reporting. I have attached record of both payments. The 2nd payment is listed as a "Retry" from your company. I do believe your system told you one thing otherwise you would not "retry" the payment. However the point being I want to and did pay $***. You took an additional $*** which is why my balance is at about $***. I am asking you to give me my money back because you took it in error. The only reason I want to close the account is because I don't know the next time your company will claim I called in order to steal more money from me.
Sincerely,
Adrienne ****Business Response
Date: 03/13/2023
Dear Adrienne:
In your complaint to the
Better Business Bureau (BBB) you claim that you made a payment on March 1,
through the First PREMIER Bank app. We confirmed that on March 1, at 1:59 am
Central Time your First PREMIER Bank credit card account was accessed online with
your username and password. A payment of $****** was scheduled for that day
from your checking account ending in ****.
In your complaint to the
BBB, you claim that you only made one payment. However, on March 2, at 6:04 am
Central Time we received a call from ***** ******** and a $****** payment was
set up through our Voice Response Unit (VRU) to post that day from a debit card
account ending in ****. This phone number is the same phone number that you
provided to us when you applied for the account. We question who used your
phone and set up this payment, using your debit card account.
On March 10, we received
notification that the $****** payment from March 2, was returned by your bank.
Because this payment was returned, your new balance is $******.
At your request, the
account has been closed. Even though the account is closed, you are responsible for applicable
fees and interest until the account balance is paid.
If we can be of further
assistance, please call Customer Service at ************.
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: 03/14/2023
Better Business Bureau:
My bank agreed with me that First Premier fraudulently accessed my account and they credited back the money that was taken in its entirety.
Sincerely,
Adrienne ****Initial Complaint
Date:03/02/2023
Type: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 extremely annoyed with this company! I am in the process of rebuilding my credit so I have a number of credit cards that I use and pay religiously. I applied and received their card a few months ago. I've used the card with no issues and have paid it usually much sooner than the due date. I usually pay all of my cards at the same time and when I paid this card I noticed that they took quite a while to put through for their payments. I did not think much of it at the time as my account was current and I figured they just took deducted their balance on the scheduled due date. My account shows as current with no past due payments so imagine my surprise today when I recieve an email today stating that they have canceled the card "due to my bank rejecting the withdrawls".... They never attempted to contact me to perhaps pay from a different account, let me know there was any problem once so ever or even notified me by email that any payment was unsuccessful. Not to mention they charged me a program fee of *** when I received the card which I'm out of now after only 2 months of use and I imagine this will negatively impact my credit report which is the exact opposite of why I got the card in the first place! I'm beyond frustrated and feel ripped off by their program fee and then immediate cancelation with 0 warningBusiness Response
Date: 03/07/2023
RE: First PREMIER Bank
credit card account ending in ****
Dear Michael:
Our
fees are straightforward and clearly disclosed to all consumers. You paid a
$***** program fee to open the account.
This account was opened in
December 2022. We’ve received six payments, and all have been returned by your
bank as insufficient funds. Payments are processed on the day we receive them
and sometimes resubmitted when they are returned. We closed your account and
sent a confirmation letter on February 28 that explained we were closing your
account due to the risk involved with returned payments.
Because of the returned payments, due dates were missed for January
and February. When just one due date is missed, the delinquency does not report
to the consumer reporting agencies. If we do not receive at least the minimum
payment for two or more due dates in a row, an account reports as delinquent.
We do not remove information that has reported accurately.
The $***** annual fee and $***** late fee have been credited. The balance you
remain liable for is $******. A minimum payment of $***** is due by March 12.
We know this is not the answer you want but hope you can understand
our commitment to accurate credit reporting.
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:03/01/2023
Type: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.
Dear Better Business Bureau,
I am writing to file a complaint against First Premier Bank regarding their fraudulent and inaccurate report on my credit report. Despite my repeated efforts to correct this matter, the bank has failed to take any action and continues to report false information to credit bureaus.
On February 28th, I discovered that First Premier Bank had reported a fraudulent account on my credit report, which has significantly damaged my credit score. This action is in direct violation of the Fair Credit Reporting Act (FCRA), which mandates that credit reporting agencies and creditors report accurate and verifiable information on consumer credit reports.
Furthermore, First Premier Bank has also reported inaccurate information about my payment history, which has further damaged my credit score. This is a violation of the Fair Credit Billing Act (FCBA), which requires creditors to report accurate and timely payment information.
Despite my repeated attempts to correct this information, the bank has failed to take any action, which is a violation of the FCRA's requirement that creditors must investigate and correct inaccurate information within a reasonable time frame.
As a result of First Premier Bank's fraudulent and inaccurate reporting, I have suffered significant financial and emotional distress. I request that the bank immediately correct their reporting and remove the inaccurate and fraudulent information from my credit report.
I appreciate your assistance in resolving this matter and ensuring that First Premier Bank is held accountable for their actions.
Thank you for your time and attention.
Sincerely, TOCHUKWU ******Business Response
Date: 03/02/2023
RE: First PREMIER Bank
credit card account ending in ****
Dear Tochukwu:
We
previously responded to you through Better Business Bureau in December 2022 and
asked for additional information, if you are claiming this account is
fraudulent.
Please see Case #*********.
If it is your claim that
you did not apply for this account and you would like us to further
investigate, please provide the following:
Documentation to support your claim, such as
a police report
Details about how you think this fraud
occurred and who is responsible
Explain why your email, **********************, was used at the time of application and to enroll this account online in April 2021
Explain how the credit card and account correspondence were sent to you at the above address without your knowledge
Explain why your phone number ***** ******** was listed as contact information on the application
It was
confirmed we are accurately reporting to the consumer reporting agencies,
including as charged-off with a balance and disputed by consumer. Accurate
information is not changed or removed. Below are some additional details we are
reporting about your account:
Open Date: 4/25/2021
Last Payment Date:
6/28/2021
Closed Date:
10/13/2021
Current Balance:
$******
If this is your account and you
still feel that there is incorrect information on your current credit report,
please provide more information for us to investigate:
Specific information you are disputing
A detailed explanation on why you feel the
information is incorrect
Any supporting documentation to validate why
it is not accurate
This information can be
sent to 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.Customer Answer
Date: 03/02/2023
Complaint: ********
I am rejecting this response because:
Tochukwu ******
Thank you for your email regarding my case I appreciate your prompt response and would like to address the matter at hand.
As you may be aware, the Fair Credit Reporting Act (FCRA) provides that credit reporting agencies and furnishers of information have a duty to ensure the accuracy of information contained in credit reports. In my case, I believe that inaccurate information has been reported to the consumer reporting agencies, including the incorrect reporting of a balance and the listing of the account as charged-off.
I also believe that this inaccurate information has had a negative impact on my credit score and ability to obtain credit. As such, I believe that there has been a violation of my rights under the FCRA.
I am in the process of gathering documentation to support my claim, such as a police report and any other relevant information. I would also like to request that you provide me with any additional information that you may have about this account and the circumstances surrounding it.In the meantime, I would like to request that you provide me with any additional information that you may have about this account and the circumstances surrounding it. I would also like to take this opportunity to answer the questions that you have asked in your email:
Regarding the use of my email address, **********************, and phone number, ***** ********, I have no knowledge of how they were used to apply for this account or enroll it online.
I believe that the credit card and account correspondence were sent to me at the above address without my knowledge or consent.
I understand that accurate information cannot be changed or removed and appreciate your commitment to reporting information to the consumer reporting agencies. However, I remain confident that we can work together to resolve this matter in a way that is satisfactory for all parties involved.
Thank you for your time and attention to this matter. I look forward to hearing back from you soon.
I remain committed to resolving this matter in a way that is satisfactory for all parties involved. Thank you for your time and attention to this matter, and I look forward to hearing back from you soon.
Sincerely,
Tochukwu ******Business Response
Date: 03/06/2023
Dear Tochukwu:
First PREMIER Bank is the
original creditor and not obligated to provide validation of debt.
You were found liable for
the account after a fraud investigation was completed in August 2022. If you would like us to
investigate further, please send the previously requested information.
Unless
you are able to provide more detailed information, our decision will not
change. 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.Customer Answer
Date: 03/07/2023
Complaint: ********
I am rejecting this response because:
Dear [First PREMIER Bank],
Thank you for your recent communication regarding the debt in question. However, I must respectfully disagree with your statement that you are not obligated to provide validation of the debt.
As a consumer, I have the right to request verification of the alleged debt under the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA). I would like to formally request that you provide me with detailed documentation and verification of the alleged debt. This would include a complete accounting of the alleged debt, a copy of the original contract, and proof of ownership of the debt.
Additionally, I must express my concern about the inaccuracies that have been reported on my credit report as a result of this alleged debt. These inaccuracies are a violation of my rights under the FCRA, and I request that you take immediate action to correct these errors.
I also note that your communication references a fraud investigation that was completed in August 2022. I am not aware of any fraud, and I request that you provide more information about this matter.
I appreciate your cooperation and look forward to your prompt response. Thank you for your attention to this matter.
Tochukwu ******Business Response
Date: 03/10/2023
Dear Tochukwu:
Your previous complaints
to the BBB indicated this account was fraudulent, as did the multiple disputes
we’ve received through the consumer reporting agencies. We take claims of
identity fraud very seriously. As stated in previous response, our Security
Department found you liable for this account and we can investigate further if
you provide the requested information.
First
PREMIER Bank is the original creditor and we are not required to provide
verification of debt. The application was received online and there is no
signed application or contract available. The information on the account
matches what you’ve provided in the complaint.
We hope this addresses your concerns regarding the validity of this account.
**** ** ****** **** ******** **********
Application details (below)
Date: April 22, 2021
Source: Online
Name: Tochukwu ******
Address: **** ***** ***, *** *, ******* ***** ** *****
Telephone Number: ************
Email address: **********************
Please
send clarification of your dispute to help us know how to proceed.
Did you apply for this account? If yes, please clearly state which information you feel is reporting inaccurately.
If you did not apply and want us to further investigate, please send the information we requested in our responses dated December 2 and March 2.
Your
cooperation is important to this process.
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: 03/14/2023
Complaint: ********
I am rejecting this response because:
I am writing to report an unauthorized account that was opened in my name without my knowledge or consent. I recently discovered that a credit card account was opened using my personal information, and I believe that this is a case of identity theft.
In addition to the unauthorized account opening, I have also noticed that you violated several of my consumer rights, including the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). Specifically, I believe that you failed to properly investigate my dispute, as well as failed to provide me with written notice of the investigation results, as required by the FCRA. Additionally, I believe that you engaged in harassing and abusive debt collection practices, as prohibited by the FDCPA.
I have already contacted your customer service department and reported the fraudulent activity, but I wanted to follow up in writing to provide additional information. I have also filed a police report with my local law enforcement agency to document the fraud.
I am requesting that the account be closed immediately and that all charges related to this account be removed from my credit report. I am also requesting that you conduct a thorough investigation to determine how this fraudulent account was opened and who may be responsible. Additionally, I am requesting that you take all necessary steps to comply with the FCRA and the FDCPA, including providing me with a written notice of the investigation results and ceasing all harassing and abusive debt collection practices.
Please keep me informed of any updates regarding the investigation and your compliance with the FCRA and the FDCPA, and please do not hesitate to contact me if you need any additional information from me.
Thank you for your assistance in resolving this matter.
Sincerely,
Tochukwu ******Initial Complaint
Date:02/27/2023
Type: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.
Im not liable for the debt with First premier bank account number#**************** and do not have a contract with First Premier Bank. They did not provide me with the wetink signuture like i asked.Business Response
Date: 02/28/2023
RE: First PREMIER Bank
credit card account ending in ****
Dear Timothy:
First
PREMIER Bank is committed to correctly reporting account details to the
consumer reporting agencies and we do not change or remove accurate
information.
Our Security Department
investigated your fraud claim and you were found liable because we verified the
account information belongs to you. We can further investigate if you provide
additional information, such as the following:
Specific information you are disputing
A detailed explanation on why you feel the
information is incorrect
Any supporting documentation to validate why
it is not accurate
Proof of your address at the time of the
application
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
Please send the requested information to:
First PREMIER Bank
Attn: Security
** *** ****
***** ****** ** **********
The account was opened in December 2020. The application was received
online so there is no signed contract available. We stopped receiving payments
and determined the debt was unlikely to be collected so the account charged off
in November 2021. The balance today is $******. Charged-off accounts are
normally removed from the credit report approximately seven years from the
charge-off date.
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.
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