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:12/03/2024

  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 filed a dispute with this credit card company and they waited a while to send me a letter in mail. I did not receive the letter, so I called again about the dispute. The rep informed me that they would continue investigating the dispute, but it would take 90 days. Then I receive a letter in the mail, where they tell me they are not continuing with the dispute and are closing the investigation. These people are refusing to reimburse me or issue a refund for a service I did not receive and originally disputed. Please inform people of how shady this company is and help me obtain my funds.

  

  Business Response

  Date: 12/10/2024

  This letter is in
  response to the correspondence we received from the Better Business Bureau.
  
  I understand from your correspondence
  that you disputed a transaction on your account, but did not receive the letter
  that was sent. You indicate that you requested this letter be resent, but only
  received a letter advising the dispute was closed. You are requesting a refund
  for the disputed transaction in the amount of $170.00.
  
  Our records indicate you disputed a
  transaction from ****************** that posted on
  June 25, 2024 in the amount of $170.00. On July 17, 2024, we sent a letter
  requesting additional information to assist you further with your dispute. We
  received a telephone call from you on August 1, 2024 and we sent a letter that
  requested additional details. However, we did not receive a
  written response from you.
  
  We have completed our investigation and you are not being held responsible for the
  disputed item. We issued credit to your account totaling $170.00 for the
  disputed transaction and associated finance charge(s). These credits will
  appear on a subsequent billing statement.
  
  I hope this
  information is helpful. If you have any further questions, please feel free to
  contact me at *************

  ********** * *****

  First National Credit Card

  Customer Answer

  Date: 12/11/2024

   
  
  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:10/25/2024

  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.

  Hello, I am just trying to get a copy of a 1099 C debt of cancellation so i can file an amended tax return form 1040X. Because this company sent the cancellation of debt to IRS i am required to report it and add it to my taxes. there is one issue here i never received a copy of the 1099 c and when i call IRS they are saying i need to call the company to get it. i also changed my address long time ago and i believe if this was sent it might have been sent to an old address i had 5 or 6 years ago. I have been calling these people for the past 4 months and nobody can assist me they keep transferring me to financial assistance and when i explain they said okay we will send it and i never received anything. At this point i am gonna have to send a letter to IRS to let them know i never received this so they can investigate because nobody can help me.

  

  Business Response

  Date: 10/29/2024

  This letter is in
  response to the correspondence we received from the Better Business Bureau.
  
  I understand from your correspondence that you did not
  receive the 1099-C Cancellation of Debt Form for your Legacy/First National
  Credit Card account and claim that no one you have contacted has been able to
  assist you. Our records do not show that we have received any telephone calls
  from you regarding your account. Per your request, a copy of your 1099-C
  Cancellation of Debt Form for 2022 is enclosed.
  
  I hope this information is helpful. If you have any
  further questions, please feel free to contact me at *************

  Sincerely, * *****

  
  

  Customer Answer

  Date: 10/31/2024

  
  
  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:08/28/2024

  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 and was approved for a credit card. I received the credit card and never activated it. I called the company and told them to cancel the credit card account because I did not want it and was not activating it. They sent me a bill for a $50.00 annual membership fee plus a $25.00 Late Fee, $5.71 in Other Fees, and $1.47 Interest. Total due is $86.61.
  I called them about the charges and they refused to do anything.

  

  Business Response

  Date: 08/29/2024

  This letter is in response to the correspondence we
  received from the Better Business Bureau.
  
  In your
  correspondence, you indicate that you applied for and were approved
  for a Legacy credit card, but did not activate the card and contacted us to
  cancel the account. You recently received a monthly statement showing you owed
  for the Annual Fee and other fees and believe that you contacted us and were
  advised nothing could be done.
  
  Our records show your account was approved and opened
  on July 1, 2024. On August 9, 2024, you contacted us and closed the account and
  all fees were credited. The monthly statement you included was mailed prior to
  you contacting us to close the account, so please disregard this statement.
  Your account is closed with no balance owing.
  
  I hope this information is helpful. If you have any
  further questions, please feel free to contact me at ************.

  Customer Answer

  Date: 08/29/2024

  
  
  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:08/19/2024

  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.

  My credit card was compromised, and false ACH payment made, well as soon as I saw the transaction on my history, I contacted First National immediately to make them aware. The result was my credit card shut down, reported as a closed account and a NSF fee assessed. This is the second time an issue has been with payment issues and NSF fee being added. This is really unprofessional first off. Secondly the evidence of phone being hacked, police report #, and supporting evidence faxed over 4 different times and nothing has ever been resolved or fixed,

  

  Business Response

  Date: 08/23/2024

  This letter is in response to the correspondence we
  received from the Better Business Bureau.
  
  In your
  correspondence, you indicated that you credit card had been compromised and a
  fraudulent ACH payment made on your account. You contacted us about this payment
  and believe you have provided proof to have the issue corrected, but your
  account remains closed and received a returned check fee. You are requesting
  the account reopened, the returned check fee refunded, autopay reinstated, and
  a correction to your billing statement and credit bureau report.
  
  Regarding your
  recent returned payment, on May 27, 2024, a payment of $450.00 was scheduled
  through our website using your log in credentials. A SVB, a Division of First
  Citizens Bank, checking account ending in **** was used for this payment. This
  checking account had not previously been used on your account. Due to the
  changes in payment behavior, we requested proof this payment was authorized in
  a letter that was sent on May 28, 2024. On May 30, 2024, this payment was
  returned to us as unauthorized. Since the payment was returned as unauthorized,
  the account was closed.
  
  We spoke with you
  on May 31, 2024 and you indicated that you indicated that you did not make this
  payment and would send a letter to have the account reopened. No correspondence
  was received from you until July 1, 2024. The documentation you provided showed
  that you authorized a stop payment on the payment in March. On August 9, 2024,
  we received your fax of a police report where you state that your phone was
  hacked and this account among others was affected. No additional details were
  included and no requests were included with either letter.
  
  Due to your
  correspondence, we have placed this payment into dispute and your old credit
  card number ending in 7844 has been shut down. A new account number ending in
  3170 is being set up. Your new credit card should arrive within the next 10-14
  days. We have reopened your account and submitted a request to update this
  information with the credit reporting agencies. Please allow 30 to 60 days for
  them to update their records. I have credited the returned payment charge of
  $25.00. This credit will appear on a subsequent monthly billing statement.
  
  Your account is
  currently past due with a balance owing of $496.06. Regarding the
  Automatic payment service, you will be able to re-enroll your account through
  our website, or by calling us at ***** ********. This update can take up to 24 hours to take effect, so you should be able to re-enroll tomorrow at the earliest, or Tuesday at the latest. You can contact me on Monday if this update still has not taken effect. 
  
  I hope this
  information is helpful. If you have any further questions, please feel free to
  contact me at *************

• Initial Complaint

  Date:07/16/2024

  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 have recently reviewed my credit card statements and noticed several late fees. Here's something I have noticed: when you go to submit a payment and select the payment date, their system/website immediately schedules it for the next month. For example: if the due date is 2/28 the calendar defaulted to 3/28, skipping a whole month. Not sure how recent this change is but it was not like this before. It seems these practices have been deliberately put in place to cause confusion with customers so that your company can charge them late fees.
  - On April 28th for $25: I am very confused about this one since the payment was submitted on the due date (4/28) and I was still charged a late fee? Would you please elaborate on why I was charged a late fee on this date if the payment was submitted on the due date.
  
  - On May 28th for $25: The website kept selecting the wrong payment date over and over. Someone needs to look into this. I was not able to submit payment until way after 5 PM CST. I am requesting the refund for this late fee as well given the numerous inconveniences I have been experiencing since the “payment date” calendar was updated on your website.
  
  I mailed them a formal letter asking to waive these fees and they refused. I am reporting them to the BBB so that others can take note of these practices as well.

  

  Business Response

  Date: 07/23/2024

  This letter is in
  response to the correspondence we received from the Better Business Bureau.
  
  I understand from
  your correspondence that you have received several late fees on this account
  and believe that our website caused your payments to be scheduled for the
  incorrect date. You indicate that your payment was late in May due to these
  website issues and questioned why you received a late fee in April when your
  payment was on time. You are requesting these late fees credited and an
  explanation.
  
  When scheduling
  online payments, our system offers the first available payment date (i.e.
  today’s date or tomorrow’s date if it is after 5:00 PM CST cut off time). The
  month and year are shown at the top and the user must manually choose the date.
  After the payment is submitted, a confirmation screen showing the payment date
  is shown to the user and then another confirmation of this payment amount and
  date is emailed to the user. If you continue to have issues with our website,
  please contact as soon as possible, so that we can assist you further.
  
  Regarding
  your claim that your previous request to have late fees credited was refused,
  our records show that on June 25, 2024, we responded to your letter educating
  you on why the April payment was late and as a gesture of goodwill, we credited
  the late fees that billed in February and March. A copy of our response is enclosed.
  
  In reference to your April payment, our records show
  that no payment posted to your account for your March 28, 2024 due date. On
  March 28, 2024, a checking account payment for $33.00 was scheduled to post on
  April 28, 2024. Since no payment posted for your March due date, the minimum
  due on April 28, 2024 was $67.00. Since the full minimum due was not paid, a
  late fee was applied. On May 28, 2024, our records show you logged in at 5:24
  PM CST and set up the payment one minute later. Since this was after the same
  day payment cut off time of 5:00 PM CST for ACH check payments, you scheduled
  the payment for May 29, 2024. A late fee was applied since your payment did not
  process by your due date. Based on this information, we find that no website
  issues occurred. As a courtesy, I have credited the late fee that billed in
  April. This additional credit will appear on a subsequent monthly statement.Please know that
  we will be unable to credit additional late fees for this same reason going
  forward.
  
  I hope this information is helpful. If you
  have any further questions, please feel free to contact me at ###-###-####.

• Initial Complaint

  Date:07/05/2024

  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.

  This account is inaccurate and still showing in my credit report. I've been disputing this account for a very long time now and no action was being made.

  

  Business Response

  Date: 07/12/2024

  Enclosed is the response for the BBB compliant. 

   

  Thanks you

• Initial Complaint

  Date:04/03/2024

  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.

  this account is listed on my credit report with any data on it. it doesn't have any information inside, no data. when i contacted them to remove it from my credit report. they never reply to me.

  

  Business Response

  Date: 04/11/2024

  This letter is in response to the correspondence we
  received from the Better Business Bureau.
  
  In your
  correspondence, you indicate this account is
  reporting to the credit bureaus with incomplete information and have requested
  it be removed from your credit profile, but believe you have not received a
  response.
  
  Our
  records indicate on June 20, 2022, we received an online application for a
  ****** **** credit card, which is issued by First National Bank. The
  application was in your name, with the address *** ***** *** ********* ** ***** and the Social Security Number ending in ****. Your
  name, address and Social Security Number were verified as a match against your
  credit report so the application was approved and the account was established. Starting
  in July 2023, your account fell past due and remained past due after several
  returned payments. The account was brought current with a debit card payment of
  $300.00, which posted to the account on March 21, 2024. As of today’s date, the
  account is open and current with a balance of $303.12. Copies of your monthly
  statements reflecting when the account fell past due are enclosed for your review.
  
  In reference to previous correspondence with you
  regarding the account, our records show on March 18, 2024, we reviewed and
  responded to your letter, where you indicated the credit bureaus reporting for
  this account was inaccurate. On April 8, 2024, we reviewed your credit bureau
  disputes, claiming the account information, including the balance and/or
  payment history was inaccurate. As stated in our responses, we find the
  information reported to the credit reporting agencies is an accurate reflection
  of how the account was maintained and we are unable to remove or alter the
  information reporting to the credit bureaus in order to maintain the integrity
  of the credit reporting system. Copies of our responses are enclosed.
  
  I hope this information is helpful. If you have any
  further questions, please feel free to contact me at the phone number on the attached letter.

• Initial Complaint

  Date:03/27/2024

  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 am not liable for this debt with ****** ******. I don’t have a contract with First National Bank. They did not provide me with the original contract as I requested.

  Customer Answer

  Date: 03/27/2024

  Please remove off my credit report immediately ! Fraudulent account. 

  

  Business Response

  Date: 04/05/2024

  This letter is in
  response to the correspondence we received from the Better Business Bureau.
  
  In your
  correspondence, you indicate that you
  do not have a contract with First National and believe that you are not liable
  for this debt. You are requesting the account removed from your credit bureau
  report. We do not show that we received a request for the credit card contract
  previously. One would have been provided to the address on the application when
  the account was opened. Enclosed is a copy of the
  Credit Card Contract. Since the application was received online, no physical
  application is available, but the information received on the application is
  retained in our files and a copy of the Application Detail screen is enclosed.
  
  Our
  records indicate we
  have responded to your credit bureau disputes on several occasions. On May 3,
  2023, June 23, 2023, and February 7, 2024, we sent an ********* ** ************ **** requesting it be completed and returned. In our most recent response dated
  February 7, 2024, a copy of which is enclosed, we requested you complete the
  Affidavit of Unauthorized Use and also provide answers to some additional
  questions. To date, we have not received a response to these requests. In order to assist you further with your
  fraud claim, please complete and sign the Affidavit of Unauthorized Use and
  also provide answers to the additional questions posed in our letter.
  
  Upon reviewing your account records, I find
  that the email address provided with the online application was ******************,
  which matches the email address you provided to the Better Business Bureau. In your
  response, please also explain who would have daily access to email to receive a
  notification that the application had been approved and other alerts, without
  your knowledge?
  
  Upon receipt of
  this information, we would be happy to investigate further. Without this
  information to assist us in our investigation, we must assume the account is
  yours and you remain responsible for the $591.67 balance owing on the account.
  
  I hope this
  information is helpful. If you have any further questions, please feel free to
  contact me at the phone number on the attached letter.

• Initial Complaint

  Date:03/19/2024

  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.

  This account was paid off in August 2023. But it is being reported to ******* as in negative status as of Dec 2023. Saying balance updated Feb 22, 2024. Tried to dispute it but it keeps coming back as re-aged and the delinquency keeps becoming newer.

  

  Business Response

  Date: 03/29/2024

  This letter is in response to the correspondence we
  received from the Better Business Bureau.
  
  In your correspondence, you indicate
  that you paid off this account in August of 2023, but believe it is being
  reported negatively to *******. You have attempted to dispute it, but no
  correction has been made. You are requesting this account be corrected on your
  credit report.
  
  Our
  records indicate the referenced account was opened on June 16, 2016, following
  the submission of your online application. The
  account was used for purchases and subsequently charged off due to non-payment
  on February 20, 2023. A settlement was completed on the account with the final
  payment in the amount of $709.78 received on August 11, 2023. This information
  was submitted to the credit bureaus and the account will reflect as charged off
  and settled for less than the full balance to the credit bureaus and may appear
  on your credit profile for up to 7 to 10 years.
  
  The document you included in your correspondence, shows the
  account is reporting accurately by showing the account as charged off and paid,
  as well as, showing the account has a $0.00 balance. The date for “Balance
  updated” and “Status updated” only reflect when we last sent an update to the credit
  bureaus, but this is not the same as the date of last payment. If you have
  additional questions regarding how ******* reports your account information,
  please contact them directly.
  
  I hope this information is helpful. If you have any
  further questions, please feel free to contact me at the telephone number on the attached letter.

  Customer Answer

  Date: 04/02/2024

   
  
  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:03/18/2024

  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.

  Account not mines it was remove from one of the credit bureau but not from ********** 

  

  Business Response

  Date: 03/26/2024

  This letter is in
  response to the correspondence we received from the Better Business Bureau.
  
  In your
  correspondence, you indicate that this account is not yours and believe the
  account should have been removed from the credit bureaus. You indicate the
  account is still reporting on ********** and you are requesting it removed. Regarding
  your claim that the account has been removed from other credit bureaus, our records
  do not reflect this or that any agreement to remove the account was made.
  
  Our
  records indicate on February 21, 2023, we received an online application in your
  name with your above listed address of **** **** ** *********** ** ****** with
  the Social Security Number ending in ***** Your name, address and Social Security
  Number were verified as a match against your credit report so the application
  was approved and the account was established. The account was used for
  purchases, no payment posted, and the account charged off due to non-payment on
  January 4, 2024 with a balance owing of $435.05. We have compared
  our records to the information reporting on your credit profile and find the
  account is reporting to all of the credit reporting agencies and the
  information is an accurate reflection of the way the account is maintained.
  
  On September 13,
  2023, we reviewed your credit bureau dispute claiming the account was
  fraudulently established. Due to your fraud claim, the account was permanently
  closed and Affidavit of Unauthorized Use was sent to you at the above listed
  address; a copy of this letter is enclosed. We requested that you complete and
  return this document to assist us with our investigation. An additional fraud
  claim was received through the credit bureau and another letter was sent to you
  on November 24, 2024. To date, we have not received a response to our request.
  
  If this account
  was truly set up without your knowledge or consent based on a fraudulent application,
  please complete the enclosed Affidavit of Unauthorized Use and also respond, in
  writing, to the following questions:
  Since the address on the application, the account, and your correspondence through the Better Business Bureau (BBB) are all the same, please explain who at your current address would have had access to your Social Security Number and date of birth in order to provide this information on the application?
  Who at your current address would have daily access to receive the credit card and mail from us without your knowledge?
  The telephone number included on the application, was used to contact us about the account, and matches the telephone number you provided to the BBB. Who would have daily access to this phone to receive telephone calls from us without your knowledge?
  
  Upon receipt of this information, we would be happy to
  investigate further. Without this information, we must assume the account is
  yours and you remain responsible for the $449.65 balance owing on the account.
  
  I hope this information is helpful. If you have any
  further questions, please feel free to contact me at the telephone number on the attached letter.

  Enclosures: Letter, Affidavit of Unauthorized Use, Letter dated 9/13/2023