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:03/11/2024

  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 a credit card account with this company. I unfortunately did not receive the statement saying that there was an annual fee that had come due. I did not get the statement so the fee was not paid on time. I was alerted from my credit report that I had a delinquent payment, and my score dropped substantially. Once this happened, I reached out to the credit card company, made the payment, and asked for an adjustment made to have my credit score restored. I have not used this card in well over a year. And also realized they didn’t have a number phone on file to call and alert me that there was a late or missed fee. I would like the company to reverse the negative mark on my credit score I have not had a late payment with them in the past. My credit history shows that I have not had a late credit card payment in the past with any of my other credit cards, because I make it a habit to pay them on time to avoid these kinds of issues. This has had a major impact on my score for a credit card I haven’t personally used the only charge applied to this card has been the fee. I would like to reiterate the fact that I didn’t receive a statement and they never called because they some how don’t have a phone number on file at all, when opening a card, you were obligated to provide a number, so I don’t know how my number could’ve been removed . Uploaded is a photo showing that there is no phone number on file.

  

  Business Response

  Date: 03/20/2024

  This letter is in
  response to the correspondence we received from the Better Business Bureau.
  
  In your letter,
  you indicate that you did not receive your monthly statement advising that the
  Annual Fee had billed and a payment was due, thus the account fell past due and
  was reported late to the credit bureaus. You also believe that no phone number
  was listed on your account and are requesting the late payment removed from
  your credit bureau report.
  As explained in my previous letter sent on March 1, 2024,
  no payment was made for your due dates of January 18, 2024 or February 18,
  2024. On February 26, 2024, the account was reported 30 days late to the credit
  bureaus. A copy of this letter is enclosed for your review. Our records
  indicate that we sent you monthly statements to the above listed address,
  notifying you prior to and after the Annual Fee billed. In addition to
  statements, we sent you a letter advising the account was past due on February
  9, 2024. As of today’s date, we have not received any of these returned by the
  USPS as undelivered. Copies of your monthly statements are enclosed.
  In addition to monthly statements, we sent emails to
  you at [email protected], notifying you of the account’s
  past due status, on January 29, 2024, February 5, 2024, February 12, 2024, and
  February 22, 2024. Our records also show that you logged on to the website on
  February 3, 2024 and you reviewed the account summary and transactions tab.
  Your account summary page would have shown the account had a payment of $60.00
  due by February 18, 2024 and the transactions would have shown the Annual Fee
  and the late fee that had billed on the account. This was prior to the 2nd missed payment and the account being reported late to the credit bureaus.
  Regarding the telephone number on your account, our
  records show that the one (1) telephone number is listed on the account,.
  If this is no longer a good telephone number to reach you, please update this
  through our website or you can call us to change this number. In reference to
  the screenshot you included, this image shows the Email and Mobile alert
  options that are available for your account. In order to enroll in mobile
  alerts, you must manually add your mobile number and chose which specific
  alerts you would like to receive. The telephone number we have on file, would
  have been shown on your home page/account summary.
  
  As
  stated previously, we are unable to remove the information being reported to
  the credit bureaus, as the information reported to the credit bureaus needs to
  be accurate to maintain the integrity of the credit reporting systems and we
  find the information reported is accurate. Please keep in mind that your Annual
  Fee will bill every December while your account remains open.
  
  I hope this information
  is helpful. If you have any further questions, please feel free to contact me
  atthe phone number on the enclosed letter. 

• Initial Complaint

  Date:01/03/2024

  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.

  I have a transaction from July 2023 that has been disputed and verification was provided that I did not authorize this transaction . I do not believe this company (credit card) has a fraud department . I am being harassed daily about a charge I did not make and proof was provided .

  

  Business Response

  Date: 01/09/2024

  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 that posted
  in July 2023 on your account and have provided the proof that was requested, however
  the transaction remains on your account. You are requesting a correction and a
  refund of the charge.
  
  Our
  records indicate that you contacted us August 14, 2023 to dispute the
  transaction to ****** **** that posted on July 10, 2023 in the amount of
  $69.95. You stated that you had cancelled this membership, but the company
  billed you again after the cancellation. We sent you a letter on August 21,
  2023 requesting the exact date that you cancelled with the merchant. We did not
  receive a response to this request. However, in response to your telephone call
  on January 3, 2024, we reviewed your dispute case on January 4, 2024 and a
  letter was sent to you advising that a credit for the transaction in the amount
  of $69.95 was applied to your account and will appear on a following statement.
  This credit created a credit balance on your account in the amount of $30.00. I
  have submitted a request to issue a refund to you in this amount. Please allow
  up to two (2) weeks to receive this refund.
  
  I hope this information is helpful. If you have any
  further questions, please feel free to contact me at the number on the attached letter.
  
  

• Initial Complaint

  Date:12/26/2023

  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.

  Some time back in October I filed a dispute against a charge of $263.02 from *********. The merchandise purchased was art. Since the merchant could not tell me if the art comes with any sort of Certificate of Authenticity (COA), I have refused the package back to them. I refused and *** the package, and UPS tracking number ****************** clearly shows "Returned to sender" back on 10/10/23. Today I received a notification on my phone about a balance which prompted me to check the account and that is when I noticed First National CC has re-debited my account for the $263.02 credit from the dispute. I called and spoke to ***** and then ******, who advised me that 1) First National CC "took your word for it" when I told them that the package was *** rather than checking the UPS website to make sure the tracking does in fact show returned to sender, and 2) the merchant reached out to First National CC on 12/22/23 stating that they "sent the package back" to me but the merchant did not provide First National CC with a date or tracking number showing this (and I have not received anything back from the merchant neither do I want to receive anything from them). ****** also stated that he will check with ******* for a date and tracking number and suggested that I call back on Tuesday or Wednesday for an update. The merchant does not have a phone number and they do not respond to any of my emails. Whenever I email *********, I get a generic reply stating to "email [email protected]". I have no idea who this email belongs to, and there's no name. I don't know what else to do, but I do not want to be held liable for $263.02 for something that I do not have and tracking clearly shows UPS returned the package back to them. I am not 100% sure of ******* or anyone at First National CC did their due diligence of confirming the *** as well as any tracking info from ********* if they're stating they returned something to me that I don't want, but this is not right.

  

  Business Response

  Date: 01/05/2024

  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 to SP ********* in the
  amount of $263.02 that posted on September 27, 2023. You state that you made
  this purchase, but refused the delivery and had it returned to sender. However,
  you noticed that this transaction had been re-billed to your account and were
  notified that you were liable for the charge. You are requesting this case be
  reviewed and the transaction removed from your account.
  
  Our
  records indicate on October 5, 2023, you contacted us to dispute the above
  referenced transaction. On December 22, 2023, we sent a letter notifying you
  that the merchant had denied the request for credit, therefore the transaction
  was re-billed to your account. In this correspondence, we advised you to
  contact the merchant and/or shipping company directly to continue to dispute
  the transaction. On December 28, 2023, we received additional correspondence
  from you regarding your dispute. Although we have no more recourse to dispute
  this transaction with the merchant, as a courtesy, we have credited the
  transaction in the amount of $263.02. You will see this credit on a subsequent
  monthly statement.
  
  I hope this information is helpful. If
  you have any further questions, please feel free to contact me at the number on the attached letter.

  Customer Answer

  Date: 01/08/2024

  
  
  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:12/06/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am deeply concerned about the sharing of my nonpublic information with credit bureaus and the resulting inaccuracies on my credit report. This situation has caused significant financial and emotional distress.
  
  Under 15 USC 1681 Section 602, I have the right to financial privacy, and I expect my information to remain confidential.
  
  Furthermore, 15 USC 1681 Section 604(a)(2) states that a consumer reporting agency cannot furnish account information without my written instructions, which I have not provided.
  
  I have identified inaccuracies on my credit report from FNCC, impacting my financial well-being. I request these inaccuracies be corrected promptly.
  
  Lastly, please remember 15 USC 1666(b), which prohibits treating payments on a credit card account as late under certain circumstances.
  
  For reference, my account details are as follows:
  Account Number: ************
  
  I request a thorough review of my account, prompt correction of credit report inaccuracies, and strict adherence to federal laws regarding my information.
  
  Failure to address these issues may compel further legal action. I anticipate your prompt response and resolution to these concerns.
  
  Thank you for your immediate attention to this matter.
  
  Sincerely,
  ****** ********

  

  Business Response

  Date: 12/15/2023

  This
  letter is in response to the correspondence we received from the Better
  Business Bureau.
  
  I understand from
  your correspondence that you believe your nonpublic personal
  information is being shared without your authorization. You also indicate that
  inaccurate information is being reported to the credit bureaus about this
  account, including information related to your payment history. You are
  requesting an investigation and a correction to your credit report.
  
  In reference to your claim that your information should
  not be shared with the credit reporting agencies, our records indicate on May 6,
  2019, we received an online application in your name
  with the above listed 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. By applying for and accepting the account, you agreed to
  the terms of the Credit Card contract. As your contract states, you authorize
  us to obtain credit reports about you for any legitimate business purpose. In
  addition, you and each authorized user agree that we may report account
  information to the credit reporting agencies. A copy of your credit card
  contract is enclosed for your review.
  
  Regarding our credit bureau reporting of your account’s
  payment history, our records show that your account charged off due to
  non-payment on January 14, 2020. We agreed to a
  settlement on the account, which was completed with the final payment in the
  amount of $233.67 received on February 7, 2020. The account will reflect as
  charged off and settled for less than the full balance to the credit bureaus
  and may remain on your credit profile for 7 to 10 years. Attached are copies of your
  monthly billing statements. Therefore, the information being
  reported to the credit bureaus is an accurate reflection of how the account was
  maintained. We are unable to act upon your request as the information reported to
  the credit bureaus needs to be accurate to maintain the integrity of the credit
  reporting system.
  
  I hope this
  information is helpful. If you have any further questions, please feel free to
  contact me at the number on my enclosed letter.

  Attachments: Credit Card contract and monthly statements

  
  

• Initial Complaint

  Date:11/29/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am writing urgently regarding the sharing of my nonpublic information with credit bureaus and the subsequent furnishing of inaccurate information on my credit report. This situation has caused significant financial and emotional distress.
  
  Under 15 USC 1681 Section 602, I am entitled to privacy rights, and 15 USC 1681 Section 604 A Section 2 stipulates that a consumer reporting agency cannot furnish an account without my written instructions. This raises concerns about the accuracy and legality of the information shared.
  
  Moreover, according to 15 USC 1666 B, a creditor is prohibited from treating any payment on a credit card account as late under an open end consumer credit plan.
  
  The inaccuracies in my report, coupled with the mishandling of my information, have led to unwarranted repercussions. I request an immediate investigation and rectification of these issues to alleviate the distress and restore accuracy to my credit report.
  
  Account Number: ****************
  
  I trust prompt attention will be given to this matter. Please provide confirmation of action taken.

  

  Business Response

  Date: 12/08/2023

  This letter is in response to the correspondence we received from the
  Better Business Bureau.

  I
  understand from your correspondence that you believe inaccurate information is
  being reported to the credit bureaus about this account and you also believe
  that your information cannot be shared with the credit reporting agencies. You
  are requesting and investigation and a correction to your credit report.
  
  In
  reference to your claim that your information should not be shared with the
  credit reporting agencies, our
  records indicate on October 27, 2020, we received an online application in your name with the above listed 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. By applying for and accepting
  the account, you agreed to the terms of the Credit Card contract. As your
  contract states, you authorize us to obtain credit reports about you for any
  legitimate business purpose. In addition, you and each authorized user agree
  that we may report account information tot credit reporting agencies. In
  addition, after your account was approved, a complete privacy notice was
  provided to you. Copies of your credit card contract and privacy notice are
  enclosed for your review.
  
  Regarding
  our credit bureau reporting, our records show your account was opened on
  October 27, 2023 following the submission of your online application. The account was used for purchases and the last payment in
  the amount of $306.27 posted on May 13, 2021. The account subsequently charged
  off due to non-payment on January 4, 2022 with a balance of $452.11. Enclosed
  are copies of your monthly billing statements, reflecting the purchase and
  payment history.
  
  We have completed our investigation and have
  confirmed the information that has been reported is an accurate reflection of
  the way the account was maintained. We are unable to act upon your request as
  the information reported to the credit bureaus needs to be accurate to maintain
  the integrity of the credit reporting system.
  
  If you continue to believe the information is inaccurate,
  we need to know what information you believe is incorrect. Please have the
  enclosed questionnaire completed and returned to us in order for us to better
  address your concerns.

  I hope this information is helpful. If you have any further questions, please feel free to contact me at the number on the enclosed document. 

  Attached Enclosures: Credit Card Contract, Privacy Policy, Monthly billing statements

  
  

• Initial Complaint

  Date:10/04/2023

  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 a credit card but never activated the card, I was reported late on my credit report because I was charged a fee when they accepted the application. I never received a bill until today stating I was past due. They closed the account as zero balance because I never activated the card. These businesses practices are shady and they are not upfront about their billing, this document was sent 9/22 but was just received today 10/3 when it was already reported as late. I was not aware I’d be charged whether I used the card or not.

  

  Business Response

  Date: 10/10/2023

  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 ****** ****, issued by First
  National Bank, but never activated the credit card. You did not receive a bill,
  until after the account was past due and had been reported late to the credit
  bureaus You contacted us to have the account closed and are now requesting a
  correction to your credit profile to remove the late payment(s).
  
  Regarding the
  Annual fee, in your letter, you indicate that you were unaware the Annual Fee
  would bill even if the card had not been used. On the invitation to apply for
  the credit card, we advise that some of the set-up and maintenance fees will be
  assessed before you begin using your card. The account was opened on July 2,
  2023 following the submission of your online application. The Annual Fee billed
  on July 7, 2023 and monthly statements were sent to you at the above listed
  address, which is the address you provided on your application. We have no
  record of your statements being returned to us as undelivered.
  
  On October 3,
  2023, you contacted us and requested the account closed. All fees were credited
  and the account is closed with a $0.00 balance. In addition, we submitted a
  request to delete this account from your credit profile. Please allow 30 to 60
  days for the update to appear on your credit file.

  Customer Answer

  Date: 10/11/2023

  
  
  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,
  
  
  
  ****** ******

• Initial Complaint

  Date:07/19/2023

  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 paid a deposit in the amount of $552.24 in April 8, 2023 to Fete By Design for my upcoming wedding in October 2023. In July 2023, I attempted to contact the company with no reply in which I realized I was scammed out of my money and would not be receiving the service from them. I contacted First National Credit Card to dispute the charge. I have been told on 2 occasions that the dispute was denied as it was past the 60 day timeframe. My issue is that this deposit paid with my card was for future services and I was unaware that this was a fraudulent company. I would not have known within the first 60 days to dispute the charge as the service was not done or scheduled to be completed during that timeframe. First National Credit Card is not working with a long time paying customer regarding this dispute and now I am out of 552.24. I am requesting to have First National credit this fraudulent charge back to my account. I will be contacting the Attorney General as well.

  

  Business Response

  Date: 08/15/2023

  We have provided a letter to your office by fax, email and mail on July 28, 2023 with our response to this complaint. 

  Customer Answer

  Date: 08/18/2023

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

  The documents that were attached did not belong to my case.
  
  
  
  Sincerely,
  
  
  
  ******* ******

  Customer Answer

  Date: 08/21/2023

   
  
  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,
  
  
  
  ******* ******

• Initial Complaint

  Date:02/16/2023

  Type:Customer Service 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.

  On around January the 4th of 2023 I contacted this merchant I ordered 12 blankets okay he came to about $** and $**** through *** * ********* nevertheless I have to wait in a month I end up contacting and finding out what was going on came home one day it was a little box put on my step really really small something maybe small as a cell phone could fit in I opened it up it was a ringing there I didn't know who it was from I didn't it didn't have no address or what have you so immediately I wanted to send it back because I don't wear jewelry so they make a long story short it must have been from them they wouldn't contact me back I contact them several times doing this process asking where was my products at they never responded I told them I was going to put the authorities on them and get their business recommended for that illegal practices and then they never responded after that anymore I end up contacting first first national credit card thinking that they will help me with this situation the representative *** **** **** 16th 2023 basically telling me can I have proof that bring did I got back at the end of the day I don't eye of ring I did not never bothering I have proof of the items bought because of the email and confirmation of my order first national credit card failed to do that job basically they're leaving it up to me this company they know who they sent the money to I don't know who these people are the person that sent the ring did not send a return address when I tried to send it back the post office is unable to send it back because it does not have a return address that the label did they sent me was from different than Jay ****** I don't even know if this item is from them or is it from another company they probably just got my money and never ever sent it it has two different way different tracking numbers when I gave the post office and *** the tracking number they said that is not even one of they are tracking number or illegal tracking numbe

  Customer Answer

  Date: 03/20/2023

  
  
  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,
  
  
  
  Keyonta ****

• Initial Complaint

  Date:01/30/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Hello! :-) There are previous fraudulent Discover hard inquiries that have been brought to my attention. I want the discovery and proof that this is a(n) factual bona fide hard inquiry.
  Sincerely,
  Jeremy ** ******
  *****************************