Complaints

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

close

Find a Location

First Savings Credit Card has 2 locations, listed below.

*This company may be headquartered in or have additional locations in another country. Please click on the country abbreviation in the search box below to change to a different country location.

BBB accredited

Near

Country

USUnited States

Please enter a valid location.

Filter

• 

  First Savings Credit Card

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

  
• 

  First Savings Credit Card

  PO Box 5019 Sioux Falls, SD 57117-5019

  

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:06/02/2025

  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 find this account to be incorporated with inaccurate information, I strongly believe this to be misleading and misrepresentation of my credit history.

  

  Business Response

  Date: 06/05/2025

  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 are requesting the account removed from your credit profile.
  
  Regarding our credit bureau reporting, our records
  indicate on November 28, 2018, we received an online application in your name,
  with the Social Security Number ending in ****. Your identity was validated,
  the application was approved, and the above referenced account was established.
  The account was used for purchases and the last payment in the amount of $170.00
  was posted on June 28, 2019. The account subsequently charged off due to
  non-payment on December 4, 2019 with a balance owing of $425.00. Attached are
  copies of the monthly billing statements reflecting the account activity
  including any information about past due status.
  
  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, please send us a detailed letter stating specifically what
  information you believe is wrong, copies of any documentation to support your
  position that the information is inaccurate and a copy of your credit report
  reflecting the incorrect information. Upon receipt of these items, we will be
  happy to investigate further.
  
  I hope this
  information is helpful. If you have any further questions, please feel free to
  contact me at *************

  Sincerely,

  **

  
  

• Initial Complaint

  Date:05/03/2025

  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.

  Company: Hue by First Savings Bank/ First Savings Credit Card
  Date of incurred extra fee: 04/06/2025
  Amount: $75
  Date of Monthly Fees: 10th of each month
  Amount of Monthly Fee: $6.25
  
  Starting last year, First Savings Bank said they were switching their annual fee to a monthly based fee. I checked my account on the 29th to find out that they were " double dipping" and were not only taking out a monthly fee every month for use of the card, but the are charging an annual fee on top of the monthly fee. I called immediately to discuss the matter and they stated they have the right to change the terms whenever they want.
  I understand changing how a fee is paid, monthly, annually, etc. What I dont understand and is completely unethical is that they are double dipping for usage fees with the card with a monthly and annual fee.
  I had this card for over 7 years which I never use. I have kept it open as I have had it so long and didnt want it to hurt my credit score by closing it.
  After this incident, I immediately closed the card and decided to make this report as this "double dipping" term seems unethical in so many ways. This card is used by a lot of people who have low credit, low income, to increase their credit scores. Most of the people using this card DO NOT have the funds to pay a monthly and annual fee for a high interest rate credit card.
  I have over 10 other credit cards that may charge an annual fee but that is it and that is completely acceptable.
  I believe that this needs to be looked into as I am sure there are many customers who are being taken advantage of by this company.
  Thank you,
  *****

  

  Business Response

  Date: 05/12/2025

  This letter is in response to the
  correspondence we received from the Better Business Bureau.
  
  I understand from
  your correspondence
  that you received notification that a monthly fee of $6.25 was being added to
  your account. You initially believed the monthly fee would be replacing the
  account’s Annual Fee. Upon finding both fees would still bill, you contacted us
  to close your account. You indicate that the fees are too high
   
  Our records indicate on June 17, 2024, we sent a
  Change-of-terms letter, where we explained a monthly fee of $6.25 ($75
  Annually) would be added to your account and that the remaining terms of your
  credit card contract would stay the same, which includes the account's Annual
  Fee. As this letter also states, you could opt out the changes prior to August
  5, 2024, before the change goes into effect. I have reviewed your account
  history and find no record of you contacting us regarding the change of terms
  or any request to opt out of the change(s). As your credit card contract
  explains, we may change any term of this contract at any time and will notify
  you as is required by law. If you reject or opt out of the change in terms, the
  account would be closed and you would be able to pay off the balance under the
  terms in effect at that time. A copy of your credit card contract and the
  change in terms letter are enclosed for your review.
  
  While we can respectfully understand why you may not
  want to pay an additional fee for the account, we find the change necessary due
  to economic conditions. Per your request, your account was closed on April 30,
  2025 with a $0.00 balance.
  
  I hope this information is helpful. If you have any
  further questions, please feel free to contact me at *************

  Sincerely, **

  
  

  Customer Answer

  Date: 05/12/2025

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because: IT IS NOT OKAY TO DOUBLE DIP AND TAKE ADVANTAGE OF CUSTOMERS. Your credit card isnt a great credit card, thus why I never used it. It was started to build credit and that was all. I do not care if you sent out a change in terms. That is not the point and the fact that you are making excuses to double dipping proves my point. Horrible customer service. I have many other credit cards that either A) dont charge ANY fee.. and they seem to be doing just fine or B) Charge only one fee.. an annual fee. Only one. Not a monthly and an annual. 

  I dont need a response at this point. I have already made a report with Consumer Protection Services as this is the most ridiculous thing I have ever heard and you are a GREEDY company that is taking advantage of its customers. BAD BUSINESS!!

  Thank you

  
  
  
  Sincerely,
  
  
  
  ***** *******

• Initial Complaint

  Date:03/27/2025

  Type:Customer Service 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.

  F/S -*** sent me numerous emails and even mailing to apply for a credit line increase- and because I lock my credit profiles for unwanted inquiries- F/S- *** rejected the application. One CR rep told me to try back after i unlocked the credit profiles and when I did another agent flat out rejected the increase because of a lack of credit- MY CREDIT HAS INCREASED AND ALL PAYMENTS HAVE BEEN MADE ON TIME- WITH ME EVEN PAYING OFF MY BALANCED IN FULL-
  ***- First Savings is NOT a good credit card to conduct business with- GREED and a LACK of Professional Courtesy runs rapid through the company

  

  Business Response

  Date: 04/01/2025

  This letter is in response to the correspondence we
  received from the Better Business Bureau.
  
  I understand from
  your correspondence, you received several notifications advising you could
  apply for a credit line increase on your ***/First Savings Credit Card account.
  You submitted a request, which was declined due to a freeze on your credit
  bureau report. You removed the freeze from your credit report, requested the
  increase again, and were declined again. You believe these actions were not
  professional and are requesting your Credit Limit increased.
  
  Our
  records indicate you requested a credit line increase through our website and
  contacted us by phone on March 17, 2025 and were declined each time due to the
  freeze on your credit bureau report. I certainly regret any confusion the
  information we provided caused. Please allow me to clarify, once you have
  removed the freeze from your credit report, you would need to wait 30 days
  before we would be able to process a credit line increase on the account.
  Please contact us after this time has passed at * ***** ******** or me at the number below, for us to
  process your request.
  
  I hope this
  information is helpful. If you have any further questions, please feel free to
  contact me at *************

  Sincerely, **

  

  Business Response

  Date: 04/10/2025

  This
  letter is in response to the correspondence we received from the Better
  Business Bureau.
  
  I understand from
  your correspondence, you indicate that you have been a great customer who pays
  an Annual Fee and you disagree with our previous correspondence regarding your
  request for a credit line increase.
  
  I certainly regret
  any inconvenience or difficulty you have experienced as a result of this
  situation. Unfortunately, I am unable to process a credit line increase on your
  account at this time. Once a freeze has been removed from your credit bureau
  report, please wait 30 days, then contact us at ************************ to have us review the account for a credit
  line increase.
  
  I
  hope this information is helpful. If you have any further questions, please
  feel free to contact me at *************

  Sincerely,

  **

  
  

  Customer Answer

  Date: 04/11/2025

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because: YOU HAVE LOST MY BUSINESS- YOU SENT ME THE CREDIT LINE INCREASE NOTICE AND THEN YOU REJECTED IT- I AM NOT PAYING TO USE THIS CARD NO LONGER- ONCE I PAY THIS **** DOWN- YOU CAN RIP OFF SOMEONE ELSE BEFORE THIS COMPANY BECOMES OBSOLETE AND NO LONGER IN BUSINESS
  
  
  
  Sincerely,
  
  
  
  ***** *****

• Initial Complaint

  Date:03/19/2025

  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.

  this is a debt I am not liable for with Federal savings bank, and the FSB blaze credit card. They closed the account due fraud and agreed to remove it off my report. They haven't removed it, I asked them to provide the original contract with my signature but they havent provided it. I'd like this removed off my credit report.
  
  The address on my credit report for this business is - 5*** * ********* ** ***** ****** ** ****** ***** **** ** *** ***ze.

  

  Business Response

  Date: 04/18/2025

  response attached 

  our records indicate you did file 

• Initial Complaint

  Date:01/07/2025

  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.

  To Whom it may concern,
  
  This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.
  
  FIRST SVG CC ACCT #: **************** BAL. $415.00
  
  Under the Fair Credit Reporting Act, 15 U.S.C. § 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please don’t respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611(a)(5)(A)(i). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

  

  Business Response

  Date: 01/14/2025

  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 reporting agencies about this account. You are requesting
  documents provided to verify the information being reported to the credit
  bureaus is accurate or have the account deleted from your credit profile.
  
  In
  your letter, you indicate we must provide copies of contracts and other
  documentation. We believe you are referencing the validation of debt
  requirements within the Fair Debt Collection Practices Act; however, First Savings Bank is not a debt collector by definition under this Act.
  As a gesture of goodwill, enclosed are copies of the monthly billing
  statements, which will reflect the payment and purchase history. Because the
  account was applied for online, no physical application is available. However,
  the information from the application is retained in our files and a copy of the
  Application Detail screen is enclosed.  
  
  Regarding our credit bureau reporting, our
  records indicate on March 8, 2022, we received an online application in your
  name, with the Social Security Number ending in ****. Your identity was
  validated, the application was approved, and the above referenced account was
  established. The account was used for purchases and the last payment in the
  amount of $30.00 was posted on October 7, 2022. The account subsequently
  charged off due to non-payment on February 12, 2023 with a balance owing of
  $415.45.
  
  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. The information reported to the credit
  bureaus needs to be accurate to maintain the integrity of the credit reporting
  system. Therefore, we are unable to grant your request to remove or alter the
  information being reported on your credit profile.
  
  If you continue to believe the
  information is inaccurate, please send us a detailed letter explaining
  specifically what you believe is inaccurate and copies of any documentation you
  may have to support your position, for us to investigate further. Please send
  this information to:
  
  HUE/First
  Savings Credit Card
  ** *** ****
  Sioux
  Falls, SD 57117-5019
  
  I hope this
  information is helpful. If you have any further questions, please feel free to
  contact me at *************

  Sincerely,* *****

• Initial Complaint

  Date:10/22/2024

  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.

  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: 10/25/2024

  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 First Savings 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, 

  * *****

• Initial Complaint

  Date:08/26/2024

  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.

  In May I paid an annual fee of $75 and in August they are charging me a second annual fee of $75. If they had been upfront about continuing to charge annual fees throughout the year I would have kept my $75 and closed the account. This is predatory lending in my opinion. ANNUAL means yearly. Not as many times a year as they decide -AFTER they’ve already collected your money. Shady. Bad business practices. If this isn’t resolved I’ll take it to the attorney general and let complaints stack up until the company is forced to act right.

  

  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 your account
  has an Annual Fee of $75.00, but were notified recently that there was going to
  be an additional fee added to the account. You state that you would have closed
  your account instead of paying the Annual Fee if you had known and are
  requesting a refund of the $75.00.
  
  Our records show
  that you were sent a Change-of-terms letter, which explained a monthly fee of
  $6.25 would be added to the account, which would total $75 annually. This is in
  addition to the Annual Fee of $75.00 that bills once a year. In this letter, we
  explain that you can opt out of these changes and the account will be closed.
  On August 27, 2024, you contacted us and closed your account; the Annual Fee of
  $75.00 was credited. Your credit balance check for the $75.00 was requested and
  this should arrive within the next 10-14 days. 
  
  I hope this
  information is helpful. If you have any further questions, please feel free to
  contact me at ************. 
  
  

• Initial Complaint

  Date:08/02/2024

  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 have come across a hard inquiry on my credit from First Savings Credit Card
  I have not nor will I ever apply to any credit related products from First Savings Credit Card
  Please remove the inquiry from my credit report asap.

  

  Business Response

  Date: 08/07/2024

  Enclosed is the response for ********* *******. Thank you

  Customer Answer

  Date: 08/07/2024

   
  
  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:08/02/2024

  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 company has inaccurately reported information on my credit report. Despite my attempts to contact them to correct the information, they have ignored my requests. I am seeking the following:
  
  Original Contracts:
  
  Copies of any original contracts or documents used to verify the legitimacy of the disputed information.
  Verification Procedures:
  
  Detailed procedures your organization has in place to ensure the accuracy of each account.

  

  Business Response

  Date: 08/09/2024

  Enclosed is the response regarding ******** * ******** concerns.

• Initial Complaint

  Date:07/29/2024

  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.

  Dear Sir/Madam,
  
  I am writing to dispute an account listed on my credit report that I believe is the result of identity theft.
  
  The details of the account in question are:
  
  Creditor Name: CCS/FIRST SAVINGS BANK
  Opened Date: 5/1/2019
  Account Number: ************ Higher Credit: $887.00
  This account was not authorized by me, and I have no knowledge of it. I am a victim of identity theft, and I have already contacted the credit reporting agencies to place a fraud alert on my credit file.
  
  I request that you investigate this matter and remove the unauthorized account from my credit report. Please confirm receipt of this letter and inform me of the results of your investigation.

  

  Business Response

  Date: 07/31/2024

  This letter is in
  response to the correspondence we received from the Better Business Bureau.
  
  In your correspondence, you indicate that
  you are disputing this account that is appearing on your credit bureau report
  and believe that it may have been opened fraudulently as you have no knowledge
  of it. You are requesting this be investigated and the account removed from
  your credit bureau report.
  
  Our
  records indicate on May 1, 2019, we received an online application
  for a First Savings Credit Card in the 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.
  The account was used for purchases and payments made, and the account
  subsequently charged off due to non-payment on December 27, 2019 and has a
  current balance of $630.94. Because the application was received online, no
  physical application is available. However, the information received on the
  application is retained in our files and a copy of the Application Detail
  screen is enclosed.
  
  If this account was truly set up without your
  knowledge or consent based on a fraudulent application, please complete and
  return the enclosed Affidavit of Unauthorized Use. Please also respond, in
  writing, to the following questions:
  
  Who at your previous 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 this address would have daily access to receive your mail including the offer of credit, credit card, and mail from us without your knowledge?
  Please also answer, who would have made payments on your account from Industrial Bank account ending in ****?
  
  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 $630.94 that is owed on the account.
  
  
  I hope this information is helpful. If you have any
  further questions, please feel free to contact me at *************