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.

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  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:01/12/2024

  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 writing to express my profound concern about the disclosure of my nonpublic information to credit bureaus and the resulting inaccuracies on my credit report, leading to significant financial and emotional distress.
  
  As outlined in 15 USC 1681 Section 602, I assert my right to financial privacy, expecting the confidential treatment of my information.
  
  Moreover, 15 USC 1681 Section 604(a)(2) underscores that a consumer reporting agency cannot furnish account information without my written instructions, which have not been provided.
  
  I have identified discrepancies on my credit report originating from FIRST SVG CC, adversely impacting my financial well-being. I urgently request the rectification of these inaccuracies.
  
  Lastly, please be reminded of 15 USC 1666(b), preventing creditors from treating payments on a credit card account as late under specific circumstances.
  
  For your 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 governing my information.
  
  Failure to address these concerns may lead to legal action. I anticipate your prompt response and resolution.
  
  Thank you for your immediate attention to this matter.
  
  Sincerely,
  ****** *******

  

  Business Response

  Date: 01/22/2024

  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 with the credit reporting agencies 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 and are requesting 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 25, 2019,
  we received an online application 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. 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 any 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 and
  payment history, our records show that your account was used for purchases and the last payment
  in the amount of $40.00 posted on December 21, 2021. The account charged off
  due to non-payment on May
  30, 2022 with a balance owing of $890.66. Attached
  are copies of your monthly billing statements. Therefore, we find
  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 to
  alter the information on your credit profile 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 the enclosed letter.
  

• Initial Complaint

  Date:12/19/2023

  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.

  On September 16, 2023 I received a text message in regards to a purchase that was being charged to my account in the amount of $674.95, and asking if I had made that purchase. I immediately responded that I did not make that purchase and that it was fraudulent.
  
  
  
  
  
  I then called the Customer Service number as instructed and advised the representative that the charge in the amount of $674.95 for Tickets the Full Monty was fraudulent. The account was closed and a new one issued. A fraud investigation was then started.
  
  I also had to replace my mobile device. I have now received a letter stating this claim was denied and that it was performed using my IP address. I DID NOT make this charge and it is indeed fraudulent.
  
  My expectation is that you will rectify this immediately with a full credit to my account. I have also sent copies of this correspondence to the Attorney General, Sioux Falls SD and the BBB Midwest Plains of

  

  Business Response

  Date: 12/27/2023

  This
  letter is in response to the correspondence we received from the Better
  Business Bureau.
  
  I understand from your correspondence that you
  notified us of an unauthorized transaction to Tickets The Full Monty that
  posted on September 16, 2023 in the amount of $674.95. Your credit card filed
  lost/stolen and a dispute case for the transaction was opened. You received
  notification later that the IP Address for the transaction matched yours and
  you were being held responsible for the charge. However, you indicate that you
  did not make this transaction and are requesting a billing adjustment on your
  account.
  
  Our records show on December 22,
  2023, we received additional information from you regarding the dispute of the
  above referenced transaction. In response, the transaction and any related fees
  and finance charges were credited to your account. You will see these credits
  on a subsequent billing statement. A copy of the letter that was sent to you
  explaining this is enclosed for your review.
  
  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.

  Enclosure: Letter 

• Initial Complaint

  Date:10/05/2023

  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 went on FMLA i paid monthy for the credit protection through first savings.I activated the benefit and they approved for 3 months of minimum payment to be paid by there credit protection program.they paid once on 7/20/23 i contacted them and they were no help saying i was over limit that isnt coverd i explained i wasnt over limit if the payment was maid and they didnt tell payment protection for the last 2 months i had no minimum payment.this isnt my fault but its being report on my credit report i even sent them there own statment showing no payments were made and i wasnt over the limit.this needs to be fixed on my credit report and my account immediatley.

  

  Business Response

  Date: 10/13/2023

  This letter is in response to the
  correspondence we received from the Better Business Bureau.
  
  I
  understand from your correspondence that you contacted us about using the Payment
  Protection Program, which you have on your credit card. You claim was approved
  and Payment Protection was going to make three (3) monthly minimum payments. However,
  only one payment was made to the account. You contacted Payment Protection
  again and indicate that they could no longer assist you because the account was
  over the credit limit, which you believe it is not. This has been reported to
  the credit bureaus and you are requesting a correction to your credit report
  and a billing adjustment.
  
  Our records
  indicate on July 26, 2023, your claim for Payment Protection was approved and
  three (3) months of monthly payments would be paid. On July 27, 2023, your
  Payment Protection made a payment on your account in the amount of $161.00. Two
  (2) more payments were scheduled, but an error occurred and these payments were
  not posted to your account. A fix has been implemented and a payment in the
  amount of $71.00 posted to your account on October 7, 2023. One (1) more
  payment is scheduled to post to your account. I apologize for any inconvenience
  or difficulty this situation has caused. No late fees were applied during this
  time frame, however, as a gesture of goodwill, I have credited the $25.00 late
  fee that billed on June 28, 2023. You will see this credit and the most recent
  payment from Payment Protection on your next monthly statement.
  
  Regarding our
  credit bureau reporting, your account has not reported late to the credit
  bureaus and enclosed are copies of your monthly statements from the last three
  (3) months, which will reflect the
  balance and credit limit of the account. 
  

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

• Initial Complaint

  Date:07/07/2023

  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.

  on June 5, 2023 i got a suspicius call from someone to pretend to be a costumer service from First savings bank, i quickly find out that was not a person from then. inmediately i called first savings bank and talked to them, we went through the last transacions and i told them no one of those transacions are mine, they need to be removed, but they said it can not be removed now because they are processing it will take a few days, i did report them as a fraud they should be removed inmediately, i call them again on,june 8 at 8:48 pm, june 12 at 12 :30 pm, june 13 at 9 ;55 am,june 22 at 9 : 15 pm and every time i call them regarding the same issue they told me that the dispute was already fille and i dont have to make any payment but on july 06, 2023 i got stament on the mail asking me to star paying those fraud transacions , i called them and they said they never got a call from me regarding these transacions so ridiculous now they said they did filled a dispute but i dont believe them now.
  how if the card was blocked and i did not have it in my hands , how those transacions get trought , maybe is a inside job from them.

  

  Business Response

  Date: 07/14/2023

  Dear ***** * ******:

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

   

  I understand from your correspondence that you received a suspicious call from someone claiming to be First Savings Bank. You contacted us directly after this phone call and reviewed the pending transactions. You advised that these charges were not yours. Following this, you contacted us on multiple occasions and were assured the dispute of these charges had been filed and you would not need to pay on the disputed transactions. You contacted us again on July 6, 2023, after receiving your monthly statement, and were told that the dispute had not been filed. You are requesting the disputed transactions be refunded and corrected.

   

  Our record indicate on June 5, 2023, we spoke with you and advised that we had not contacted you by telephone earlier. You told us that the pending transactions were not yours and we filed your credit card ending in 4420 as lost/stolen. We advised that you would need to call back once the transactions posted to the account to dispute them. We spoke with you on June 12, 2023 and our representative said that they had filed your dispute. However, there was an error and this dispute was not properly filed. I apologize for any inconvenience or difficulty you experienced as a result of this situation. We take all such matters seriously and are following up with management in that area to address the issue.

   

  When we spoke with you on July 6, 2023, the unauthorized transactions to **** ***** *** and ***** *************** were placed into dispute. The total amount in dispute is $505.98 and you are not required to pay on this amount while the clnu-gc tue 8litl in dispute. Ourinvestlgation is ongoing and can take up to 90 days to be completed. If we need additional information to assist us with our investigation, you will be contacted by mail. Once our investigation is complete, you will be notified of the outcome.

   

  I hope this infonnation is helpful. If you have any further questions, please feel free to contact me at *************

  Sincerely,

   

   
  
  ******* *****

  Executive Office

  First Savings Credit Card

  Customer Answer

  Date: 07/14/2023

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because: they are no telling me nothing new. Still I don't understand why they let those transactions  go through when I called immediately to report as a fraud. I don't want to  wait 90 days and then they will say oh is too late because it has passed  3 billing  cycles and according to the law is nothing  we can do about.

  It already passed  as today 39 days and nothing has been done. 
  
  
  
  Sincerely,
  
  
  
  ***** ******

• Initial Complaint

  Date:07/06/2023

  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 not liable for this debt which First Savings Credit.
  I do not have a contract with First Savings Credit Card. They did not provide me with the original contract as I requested.

  

  Business Response

  Date: 07/14/2023

  Dear ****** * **********

   

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

  I understand from your correspondence that an account with First Savings Credit is appearing on your credit bureau report. You state that you do not have a contract with us and no contract was provided upon your request. You are requesting a correction to your credit bureau report. The account has been identified as a "disputed" account on all credit bureaus. Please allow 4-6 weeks for the credit bureaus to reflect this information.

   

  Upon reviewing our records, I have been unable to locate a First Savings Credit Card account with the information you provided. However, I was able to locate a ***** ********** account in your name. ***** ********** and First Savings Credit Card are both issued by First Savings Bank. As a courtesy, enclosed is a copy of the credit card contract for the ***** ********** account.

   

  Regarding our account records, they indicate on February 20, 2015, we received an online application in the name ****** * ******, with the address **** ******** *** *** ****** ** *****, and the ****** ******** 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$103.00 posted on December 22, 2022. The account subsequently charged off due to non-payment on May 29, 2023 with a balance owing of $3,019.71. 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.

   

  If this account was set up without your knowledge or consent based on a fraudulent application, please complete and sign the enclosed affidavit and return it to our office. In your response, please also explain who would have contacted us from your telephone number, ************, and who would have made payments to your account from a ** ****** ***** **** account ending in ****. If there is something else you believe we may have missed, please have the enclosed questionnaire completed and returned to us in order for us to better address your concerns.

  08:43:17a.m.07-14-2023 I 4 I

  07/14/2023 08:45Workroom-Fraud (FAX) P.004/012

   

   

  I hope this information is helpful. If you have any further questions, please feel free to contact me at ************.

  Sincerely,

   

  ******* ***** Executive Office ***** **********

• Initial Complaint

  Date:05/19/2023

  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 been a victim of identity theft this is not my account, which is reporting on my credit.

  

  Business Response

  Date: 05/24/2023

  Please see the attached business response. 

  Customer Answer

  Date: 05/24/2023

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

  They FAILED to provide me a copy of any ORIGINAL documentation (a consumer contract with MY signature ON THE CONTRACT) 
  
  
  
  Sincerely,
  
  
  
  Rolando ******

  

  Business Response

  Date: 06/01/2023

  Please see the attached business rebuttal response.

• Initial Complaint

  Date:04/19/2023

  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.

  In the beginning of April 2023 I lost my credit card.
  I noticed an unrecognized transaction, I called, reported the card lost and disputed the transaction on 4/3/2023. My credit was incorrectly reported, with the fraud charge. Causing a **% usage reflection under my credit report. I reached out today (4/18/23) to inquire and was advised 1. my dispute was finalized and 2. I have no liability. Representative Sheena seemed to be a bit confused and relentlessly gave me reports pertaining to last month's billing cycle. When I asked to escalate the call, she got really irritated. Didn't even ask if I mind holding, and or if it was okay to place me on hold. Returned in conference with her supervisor Nathan (who violated HIPPA allowing a 3rd party to hold the line without my permission) Nathan **************** told me to "let him finish" although he cut me off. And ultimately neither of the representatives would report my credit correctly. Both parties refused, and stated I had to wait. Why would I need to wait if there's been a change to my account it should be reported correctly

  

  Business Response

  Date: 04/28/2023

  Please see the attached business response.

• Initial Complaint

  Date:03/10/2023

  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 have reached out to this company numerous of time trying to get late payments removed from my credit report due to being hospitalized for Covid for 3 months. Even before getting hospitalized I was a loyal customer and always paid my bills on time and I am continuously doing so now. All i wanted to do was to use my rights to try and get rid of the late payments off of my credit report and if not I would like to have the company to explain the reason why it couldn’t be removed

  

  Business Response

  Date: 04/12/2023

  Please see the attached file.

  Customer Answer

  Date: 04/12/2023

  
  
  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,
  
  
  
  Justin ********

• Initial Complaint

  Date:02/09/2023

  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 have to open credit card accounts with First National Bank. Both cards are enrolled in the payment protection plan in which I pay a certain percentage of my balance each month for the credit plan insurance. In December I was laid off from my job and filed for the plan to be implemented for both credit accounts. They asked me to fax prof that I had been laid off and seeking employment. I complied and faxed the information from my former employer and presented a job offer to them as well they was rescinded. They declined my claim and now my cards are showing late balances as well as racking up interested and finance charges which now have been reported to my credit bureau file. What is the point of me paying insurance each month if I can not receive appropriate assistance? I would like to be refunded the monthly insurance fees as they are fraudulently denying my claims.

• Initial Complaint

  Date:02/08/2023

  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 notice on 2/6/23 that First Savings credit card has a $***** balance on my credit report. I have not applied for a credit card with First Savings credit card. I would like it to be removed.