Complaints

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

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  First National Credit Card

  500 E 60th St N Sioux Falls, SD 57104-0478

  
• 

  First National Credit Card

  PO Box 5097 Sioux Falls, SD 57117-5097

  
• 

  First National Credit Card

  PO Box 5098 Sioux Falls, SD 57117-5098

  

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:07/07/2025

  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 applied for a temporary hardship plan, which was approved by Legacy on June 5, 2025. The first payment was scheduled to be automatically deducted from my checking account on June 20, 2025, and the charge officially posted on June 23, 2025.
  On July 3, 2025, I received a notification from the credit bureaus stating that my account with First National Bank had been closed. I called First National Bank this morning and spoke with a representative named *****. After providing my verified information, she claimed she couldn’t locate my account. I then offered both my home and mailing addresses, but she insisted the information was incorrect. When I asked to speak with a supervisor. I asked her if our conversation was being recorded because I couldn’t believe how rude she was being. She said, yes. Her attitude was extremely unprofessional, and I’ve never experienced customer service that poor. My account was closed unexpectedly or explanation, and I was denied the basic courtesy of speaking to someone who could help.
  This situation is completely unacceptable.

  

  Business Response

  Date: 07/10/2025

  This
  letter is in response to the correspondence we received from the Better
  Business Bureau.
  
  I understand from your correspondence you enrolled in
  our Temporary Financial Relief Program on June 5, 2025. You received notice
  from the credit bureaus that the account is reporting as closed and you are
  requesting an explanation.
  
  Regarding our credit bureau reporting, while enrolled
  in the Temporary Financial Relief Program, the account is suspending from
  making new charges and no interest or fees will bill to the account. Due to
  this, the account will report as closed to the credit bureaus; however, your
  account is still open. Upon your completion of the program, the account will
  return to its previous status. I certainly regret any confusion or distress
  this situation may have caused.
  
  In your correspondence you also indicated that you
  attempted to contact us, but the representative you spoke with was
  unprofessional and unhelpful. Please accept my apology for any rude or
  discourteous treatment you have received when contacting our Customer service and Collection area. While we are not always able to
  respond favorably to a customer’s request, there is no excuse for rude treatment
  and this information has been relayed to management to address with the
  individual involved.
  
  I hope this
  information is helpful. If you have any further questions, please feel free to
  contact me at *************

  Sincerely, 

  **

  
  

• Initial Complaint

  Date:06/08/2025

  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 my statements to prove everything I’m saying here. Every year there’s a $75 annual fee you have to pay. I don’t complain about it. I knew it was part of getting the card. Starting September 2024 they started charging me an extra $6.25 on my bill. Let me be honest I didn’t see it on there until this month. So I went back and printed every statement that I could get online and that’s how I know it started September 2024. I also notices that they skip some months also, then the month after the $6.25 has been double up. It’s no coincidence that $6.25 times 12 months equal $75.00. The same as the yearly annual fee. My complaint is they charging me twice for my annual fee. And that’s not right. I want my money back and I them to stop charging me double for the annual fee. I had this card for years, and this has never happen before. At this time they owe me $50 in extra fees that I have paid. Let me also say this, they did not let me know they were charging extra fees.

  

  Business Response

  Date: 06/13/2025

  This
  letter is in response to the correspondence we received from the Better
  Business Bureau.
  
  I
  understand from your correspondence you have noticed a monthly fee being billed
  monthly in the amount of $6.25. You indicate the account already has an Annual
  Fee and you were not notified of any new fee(s). You are requesting the money
  you have paid returned and the secondary fees no longer billed to the account.
  
  Our records show
  on June 17, 2024, a letter was sent to you at the above listed address,
  notifying you that the terms of your account would be changing. I
  certainly regret any confusion caused by not receiving this letter,
  a copy of which is enclosed. As this letter explains a monthly fee of $6.25
  ($75 total annually) was added to your account and you could choose to opt-out
  of the changes. On August 8, 2024, your account’s terms were changed. While we
  can respectfully understand why you do not want to pay an additional fee for
  the account, we find the change necessary due to economic conditions.
  
  Unfortunately, I
  am unable to honor your request to remove the Monthly Fee from your account as
  they are a part of the terms and conditions. However, as a gesture of goodwill,
  I have credited the Annual Fee that billed on April 7, 2025 as a one-time
  courtesy. Please keep in mind, the only way to stop both fees from billing,
  would be to close the account.
  
  I
  hope this information is helpful. If you have any further questions, please
  feel free to contact me at *************

  Sincerely, **

• Initial Complaint

  Date:06/06/2025

  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 have a legacy credit card. I had seen an account on my credit report by first national bank. I did not know that that was legacy. They close my account because I Appealed the account against first national bank. I want my Account active as I have been paying on it and only had the card for a little bit of time before they close My account. They never contacted me they just close my account. I have no access to my account through the app and they still continue to take money out of my account without my permission For my monthly Bill. I want my account reactivated. They told me in order to reinstate my account I had to request it in writing I have done so 3 times I've gotten no response from them. I'm asking the BBB to help me reinstate my account. I'm also asking for all late fees to be removed if any. my account was disabled and I had no access to it in the app. They Have not touched my bank account in 2 months and now this month they took $60 out of my account I did not authorize that transaction. I always paid my bill through my checking account but I do not have auto pay. Somehow they remove $60 out of my account yesterday. I really need BBB help. Again I'm paying for an account that isn't even active and I never requested or wanted to close this account they did. So I am requesting and writing as they have requested me to do so. Is that my Is account is re open.

  

  Business Response

  Date: 06/12/2025

  This
  letter is in response to the correspondence we received from the Better
  Business Bureau.
  
  I understand from
  your correspondence, you disputed your Legacy Visa account on your credit
  bureau report because you did not recognize it as First National Bank. You
  indicate the account was closed without notice and you believe a payment of
  $60.00 was taken from your checking account without your authorization. You are
  requesting the account re-opened and any late fees removed.
  
  Our
  records indicate on February 5, 2025, we reviewed your credit bureau dispute
  claiming fraud. Due to the fraud claim, your account was closed and a letter
  was sent to you at the above listed address. On June 9, 2025, we reviewed your
  correspondence and the account was re-opened.
  
  Regarding
  your payments, our record show you enrolled in our Automatic payment service
  over the telephone on July 11, 2024 to pay the Minimum Payment Due on your due
  date. On May 4, 2025, we processed your Autopay payment in the amount of
  $30.00, but this was payment later returned by your bank due to Insufficient
  Funds. No Late Fee was billed but a Returned Payment Charge billed in the
  amount of $25.00. On June 4, 2025, your AutoPay payment was processed in the
  amount of $60.00 and your account is current. As a gesture of goodwill, I have
  credited the Returned Payment Charge. You will see this credit on a subsequent
  monthly statement. If you no longer want to be enrolled in Autopay, you can go
  online to cancel this service.
  
  I
  hope this information is helpful. If you have any further questions, please
  feel free to contact me at *************

  Sincerely, **

   

  Customer Answer

  Date: 06/13/2025

  
  
  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:03/27/2025

  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 am writing to formally dispute the abrupt and unjust closure of my Legacy VISA account on March 12, 2025, and to file a complaint regarding the mishandling of my identity theft case by First National Bank staff. Following the theft of my personal belongings and identity, I received three calls from First National Bank regarding my account: 3/6, 3/10, 3/20. During each of these calls, I fully disclosed the identity theft situation and explained that I was unable to log in to my account. I requested my card number to access my account and was told each time that, due to security, they could not provide it. Instead, each associate told me a new card would be issued to restore access so I could make my payment. I followed every step I was instructed to take and did not give any payment information over the phone due to the nature of the theft. Despite these conversations and my repeated efforts to resolve the matter, my account was closed on March 12, 2025, without warning or notification. Even more concerning, I still received a call from your staff on March 20—eight days after the account was supposedly closed—which reflects a serious lapse in communication and record-keeping. This demonstrates gross negligence and incompetence on the part of multiple associates, both those I spoke to and those who contacted me. At no point was I informed my account would be closed. I was actively trying to resolve the matter and was met with confusing, inconsistent, and unacceptable service. This mishandling violates my rights under the Fair Credit Billing Act (FCBA), 15 U.S.C. § 1666, and the Fair Credit Reporting Act (FCRA), 15 U.S.C. § 1681, particularly regarding the mishandling of an account impacted by an ongoing identity theft matter. I expect a formal written response within 15 business days. If no action is taken, I will pursue further legal and regulatory remedies.

  

  Business Response

  Date: 04/03/2025

  This letter is in response to the
  correspondence we received from the Better Business Bureau.
  
  I understand from
  your correspondence, that you contacted us to report you were a victim of
  identity theft and no longer had your credit card. Due to security reasons, we
  could not provide your full account number and you were advised that a new
  credit card would be issued. However, instead of receiving a new credit card,
  your account was closed without notice. You are requesting your account
  reopened, a new credit card issued, an explanation of the situation, and any
  negative credit bureau reporting corrected.
  
  I apologize for any inconvenience or difficulty you
  experienced as a result of this situation. Please allow me to clarify; our
  records indicate that you contacted us to report your credit card stolen. We
  filed your old card ending in 4726 as lost/stolen on March 10, 2025. Your
  account was past due and over the credit line at that time and we were unable
  to send out a new credit card on the account due to this status. Since no
  credit card could be sent, your account was closed on March 12, 2025. I certainly
  regret that this and additional information was not provided to you. We take
  all such matters seriously and are following up with to address this issue.
  
  I have reviewed
  your account records, which show you set up a payment to bring the account
  current on March 31, 2024 and on April 1, 2024, we reopened your account,
  credited the late fee that billed in the amount of $25.00, and sent a request
  to have your new credit card mailed to the above listed address. Regarding your
  credit bureau reporting, I find that you were not reported late to the credit
  bureaus.
  
  I hope this information is helpful. If you have any
  further questions, please feel free to contact me at *************

  Sincerely, **

  
  

• Initial Complaint

  Date:03/04/2025

  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.
  
  FNCC
  ACCOUNT no.: ************ **** ***** ********** ******** *******

  

  Business Response

  Date: 03/06/2025

  Response enclosed the debt has been validated

• Initial Complaint

  Date:02/19/2025

  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 applied for this credit card and got approved. I never received my card or statement but noticed on my credit report that they reported my 1st payment late for service fee. I never received my card and never activated this account so how can they report my account as being late? This has damaged my credit I’m working so hard to improve!

• Initial Complaint

  Date:02/13/2025

  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 applied for this card, but it was not until after it was approved that I was advised of the approval amount. As the amount I was approved for did not meet my needs, I found another that did. When I received the card in the mail, I followed their instructions in regards to canceling (cut up the card, put it in an envelope with a written cancelation notice). I did this on January 8, 2025. I got a text notice from them on January 28 advising of a payment due. At that time, I located their fax number, and faxed the second request of cancel to them. Last week, I received a statement in the mail, and I again mailed cancelation to them. This morning, I have gotten an email from them advising that my account is past due. The account that should already have been canceled. I just want them to cancel the card, and stop contacting me. I also need them to make sure that there has been (and will not be) any hit to my credit report.

  

  Business Response

  Date: 03/14/2025

  This letter is in response to the correspondence we
  received from the Better Business Bureau.
  
  I understand from
  your correspondence that you applied
  for a Legacy Visa credit card, received the credit card, and sent back the
  credit card cut up, requesting the account be cancelled. Since then, you have
  received a text, email, and mailed statement regarding the account and are
  requesting we cease contacting you and cancel the account.
  
  Our records indicate your account was opened on December
  26, 2024 and we received your returned credit card on February 10, 2025. On February
  14, 2025, you called
  us and requested the account closed. The account is closed with a $0.00
  balance. I certainly regret any inconvenience or difficulty you experienced as
  a result of our correspondence, which was sent prior to receiving your request
  for account closure. You will not receive additional correspondence from us
  regarding this account.
  
  I hope this
  information is helpful. If you have any further questions, please feel free to
  contact me at *************

  Sincerely, **

  Customer Answer

  Date: 03/17/2025

  
  
  Better Business Bureau:
  
  
  
  I have reviewed the response made by the business in reference to complaint ID 22936321, and find that this resolution is satisfactory to me.
  
  
  
  
  Sincerely,
  
  
  
  ******** *******

• Initial Complaint

  Date:01/18/2025

  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 am kindly reaching out to settle this charge off account. When I contacted Legacy credit card during this past summer 2024 (unsure of the month) in attempt to settle the account --- I verbalized that their 50% settlement offer was not ideal due to my situation. For context, I am disabled retiree on fixed income with health problems. I tried to offer an amount less than 50% but the Legacy representative told me that my account was just placed for collection that I could bring up the less than 50% settlement to them --- providing reassurance that this is possible.
  
  The account was placed with ******* ***** *********. They had the same settlement offer as Legacy. They provided an e-mail in the letter I received on 08/2. I tried to reach out on 08/11/24 and 09/05/24 to settle below 50% through e-mail and was not responded to.
  
  I then decided to call. I called them on 09/25; 10/16; and 10/31/2024 to discuss settlement below 50%. The representatives were cold but the last representative I spoke too on 10/31 verbalized they are limited to what they can accept as it is set by the creditor (Legacy).
  
  If that is the case, can Legacy kindly accept a reduced settlement of $150 in order to fulfill this obligation. I feel that I was falsely given hope by the representative at Legacy for instructing me to bring up the less than 50% settlement to the collection agency; moreover, being told that the settlement is set by the creditor is discouraging as it seems like a back and forth fiasco. Or if Legacy can please communicate the reduced settlement to Sequium. I appreciate the assistance!

  

  Business Response

  Date: 01/24/2025

  This
  letter is in response to the correspondence we received from the Better
  Business Bureau.
  
  I understand from
  your correspondence that you have
  attempted to settle your account but did not receive a settlement offer that
  was manageable under your current financial circumstances. You are requesting
  to settle your account for $150.
  
  I certainly regret any confusion caused by information
  provided regarding your account and settlement options. Our records show your
  account charged off on July 29, 2024 with a balance of $985.93. Unfortunately,
  we are unable to accept your offer to settle the account for $150. However, we
  are willing to settle your account for 25% of your account's balance of $985.93.
  Our office must receive a single payment in the amount of $246.48
  by February 24, 2025 to take advantage of this offer.
  
  Upon receipt of the settlement
  amount, we will report the account as charged off and settled for less than the
  full balance to the credit bureaus. This may remain
  on your credit bureau for up to 7 to 10 years. If your payment is not
  received by the above date, this settlement offer will no longer be valid and
  you will need to contact us to make a new arrangement.
  
  Check or money order should be sent
  to:
  
  First National Credit Card

  ** *** ****

  Omaha, NE 68103-2496
  
  I
  hope this information is helpful. If you have any further questions, please
  feel free to contact me at 605-782-3833.

  Customer Answer

  Date: 02/21/2025

  Good Day! I would like the BBB to send this information to the business. 
  I have made full settlement payment directly to First National Credit Card and have been informed that the check has been processed. I would like to kindly request a letter from First National Credit Card that the account is officially settled so that I can forward this to the debt collection agency, Sequium and for the business to notify Sequium as well that the account is settled. Thank you! 

• Initial Complaint

  Date:01/10/2025

  Type:Billing Issues
  Status:

  UnpursuableMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this debit with FIRST NATIONAL CREDIT CA. I do not have a contract with the collection agency trying to collect.

• Initial Complaint

  Date:12/24/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I filled out an application for this credit card. I received a card in the mail. When i reviewed the interest and terms of the card, I decided that I did not want the card. I cut the card up and never activated the card. I also never used the card. In December of 2024 First National Credit Card they reported to all 3 credit bureaus that my account was more than 30 days past due with a balance of $60. I called the credit card company and spoke with a representative named ***** He said that the account would be removed from all three credit bureaus. I received a letter dated 12/11/24 saying the account was closed (Not removed) and that any remaining balance will be billed until paid in full. This is not correct and this account is still reflecting on my credit. This needs to be removed from all 3 credit bureaus as the card was never activated

  

  Business Response

  Date: 12/30/2024

  This letter is in
  response to the correspondence we received from the Better Business Bureau.
  
  I understand from your correspondence that you applied for a Legacy Visa credit card, but never
  activated the credit card. When you contacted us, you were advised the account
  would not be reported to the credit bureaus. However, you indicate the account
  was reported late to the credit bureaus and is still being reported on your
  credit profile. You are requesting the account removed from your credit report.
  
  Our records
  indicate that the account was opened on September 24, 2024 and the Annual Fee
  billed on October 2, 2024, which was advised on the offer to apply you
  received. On December 11, 2024, you contacted us and the account as closed per
  your request and all fees were credited. The account is closed with a $0.00
  balance. The closure letter you received states that if any balance remains, it
  is still owed. No balance remains on the account and nothing is owed.
  
  Regarding our
  credit bureau reporting, we have submitted a request to the credit bureaus to
  remove this account from your credit bureau report. Please allow 30 to 60 days
  for the credit bureaus to update their records.
  
  I hope this
  information is helpful. If you have any further questions, please feel free to
  contact me at *************

  Sincerely, 

  **