Complaints
This profile includes complaints for PREMIER Bankcard's headquarters and its corporate-owned locations. To view all corporate locations, see
Customer Complaints Summary
- 905 total complaints in the last 3 years.
- 196 complaints closed in the last 12 months.
If you've experienced an issue
Submit a ComplaintThe 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:05/20/2025
Type: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 been fraudulently pushing my card over its credit limit. They lied and stated that both cards have to be current for use, and that is false. I was able to use my card ending in **** last month with no issues but couldn't use card ending in **** obviously because it was not current. The rep ** lied about both cards needing to be current and I want the issue resolved immediately. These are two separate cards and they were not established at the same time so they are presenting false information. I record all my phone calls for this very reason.
Business Response
Date: 05/29/2025
RE: First PREMIER Bank
credit card accounts ending in **** and ****
Dear *******
We are sorry to hear of
your frustrations.
After receiving your
complaint, we reviewed your call with Customer Service and confirmed you were
provided accurate information regarding your accounts and reason for decline.
If a related account is
out-of-terms by the pre-determined criteria, neither account can be used for
purchases. Your account ending in **** was declined on May 17 because your
account ending in **** is past due and over the credit limit.
In your complaint, you
stated you were able to use your account ending in **** in April without an issue,
although your account ending in **** was out of terms. We confirmed the account
ending in **** was only used on April 7. On this date, your account ending in
**** was not out of terms.
You stated we are
fraudulently pushing your account over the limit but did not explain why. If
you need to dispute fraudulent charges or have questions about your balances,
please contact Customer Service at (**** *********
We hope this information
is helpful and addresses your concerns.
Sincerely,
Office of the President
Business Communications
PREMIER
Bankcard, LLC
** *** ****
Sioux Falls, SD 57117-5114
(HLL)
(15280)
PREMIER Bankcard, LLC is a registered Member Service
Provider for First PREMIER Bank.Customer Answer
Date: 05/30/2025
They are lying about a call from April. I’m referring to a recent phone call in May. They have not provided any proof or documentation of that conversation and have not answered my questions. Why is it so difficult for you to do your job properly and achieve satisfactory results? They have given false information twice, yet you’re trying to close my complaint without any resolution. This is unacceptable, and I will be filing a complaint against your company as well. I have more than 1 account as I stated and they are not connected since they were not opened at the same time. They are falsely reporting on my credit and they don't even have my correct FICO score so they need to stop lying to correct it.Initial Complaint
Date:05/14/2025
Type: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 made a payment with Premier , through my bank of $25 , but Premiere Company claimed that I made a payment of $230, in which is totally untrue. I try to resolve the issue through Premier. Then I was told to call my bank. My bank resolved the issue by taking the $230 back., not only did Premiere shut down my credit card account, but they also took my $60.54. That has absolutely nothing to do with this incident, that is $60.54 was there before this incident. That was a glitch on Premiere end, not my end or the my banking financial institution. Premier wanted me to get a letter from my bank stating that they made the error, and I told Premiere no because that would be telling a lie when it was an error on Premiere behalf ! And charges for the month was already taken out on May 1, 2025. The amount down below, was the $230 that I was disputing about , and it was the $60.54 , that was already added to my accountBusiness Response
Date: 05/21/2025
RE: First PREMIER Bank
credit card accounts ending in **** and ****
Dear *********
We are sorry to hear of
your frustrations. Below is a summary of your accounts.
Account ending in *****
The payment of $230.00 was
submitted online on May 3. The amount of $230.00 was entered by you, the payee.
We processed it for the amount requested on May 4. The payment was returned as
unauthorized on May 12 and the account was closed due to the risk involved with
an unauthorized payment. A letter of explanation was sent.
When we spoke with you on
May 13, the associate accurately explained the options on how to reopen this
account.
The remaining outstanding
balance is $540.15, and the next minimum payment is due June 24.
Account ending in ****:
This account was closed at your request on May 13. The current balance is
$694.98, and your next minimum payment is due June 25.
When an account is closed,
you remain responsible for the outstanding balance and the available credit is
reduced to zero as it can no longer be used. No refund is due. The $60.54 you are referring to in your
complaint was the available credit prior to the closing of your account.
Please respond to us
through the Better Business Bureau website if you are interested in having your
accounts reviewed for re-open.
We hope this information
is helpful and addresses your concerns.
Sincerely,
Office of the President
Business Communications
PREMIER
Bankcard, LLC
** *** ****
Sioux Falls, SD 57117-5114
(HLL)
The Federal Equal Credit
Opportunity Act prohibits creditors from discriminating against credit
applicants on the basis of race, color, religion national origin, sex, marital
status, age (provided the applicant has the capacity to enter into a binding contract),
because all or part of the applicant's income derives from any public
assistance program; or because the applicant has in good faith exercised any
right under the Consumer Credit Protection Act. The federal agency that
administers compliance with this law concerning this creditor is the Federal
Bank of Minneapolis. You may contact them at: Federal Reserve Consumer Help,
P.O. Box 1200, Minneapolis, MN 55480. Toll-free: (888) 851-1920, Fax (877)
888-2520,TDD: (877) 766-8533.
(15232)
PREMIER Bankcard, LLC is a registered Member Service
Provider for First PREMIER Bank.Business Response
Date: 05/29/2025
Dear *********
As previously stated, your
account ending in **** was closed due to the risk involved with the
unauthorized payment and the account ending in **** was closed at your request.
Upon account closure, there is no available credit.
If you are interested in
having your accounts reviewed for reopen. Please respond to us through the
Better Business Bureau.
If you have any other
questions or concerns regarding your balances, please reach out to Customer
Service at *************
Sincerely,
Office of the President
Business Communications
PREMIER
Bankcard, LLC
** *** ****
Sioux Falls, SD 57117-5114
(ko)
(15294)
PREMIER Bankcard, LLC is a registered Member Service
Provider for First PREMIER Bank.Customer Answer
Date: 05/30/2025
Complaint: ********
I am rejecting this response because:
Sincerely,
******** ********* because my money should be refunded back to me, the same way I put it on my Premiere card. All my charges was paid up on these accounts for the month . They have no reason to keep my $60 dollars and something change on account **** and account ****. I want my money back , premiere unlawfully took my money out of my accounts !Initial Complaint
Date:05/12/2025
Type: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 debit with PREMIER BKCRD/FIRST PREMIER I do not have a credit card or account with them. PREMIER BKCRD/FIRST PREMIER has not provided me with the original contract, account or credit card aplication as requested.Business Response
Date: 05/15/2025
Dear J*******
Additional information is needed to
help us confirm the First PREMIER Bank account you are contacting us about.
Please provide us with two or more items from the following list:
- First 12 or last four digits of
the First PREMIER Bank credit card account number
- Last four digits of your Social
Security number
- First PREMIER Bank Reference
#/Account ID
- Copy of the First PREMIER Bank
tradeline from your credit report
Upon receipt of this helpful
information, we will review and respond accordingly.
Sincerely,
Office of the President
Business Communications
PREMIER Bankcard, LLC
** *** ****
Sioux Falls, SD 57117-5114
(crc)
(15224)
PREMIER Bankcard,
LLC is a registered Member Service Provider for First PREMIER Bank.Initial Complaint
Date:05/12/2025
Type: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 making one final effort to work with first premier before I escalate further. I’m tired of their negligence and unscrupulous tactics. I closed my accounts because I was concerned about their handling and account security,
I have zero clue what they are billing me for u agree to $10 monthly they requested that I pay a 2nd payment after initial payment to activate plan further advising it would be applied to following ml tg the next month I paid early fir the following month their system kicked me oof if plan alledgedly since it did not recognize payment dates as advised they then without knowledge or authorization changed payment to $30 monthly per card plus fees and interest and have repeatedly been found liable in mishandling of account and reporting. They are charging monthly fees on a closed account for one again without knowledge. They keep reporting closed by them it most certainly was not these were closed at my written and oral request
I have paid hundreds in unauthorized fees and interested and constantly deal with account servicing issues. These accounts neee to immediately be zero’d out for customer service it is all fees none of which ever known and you did not close these accounts I did and we both know better
Should be zeroed out paid in full remove all remarks or changed to closed at consumer request then remove as much of my personal info as legally permissible if not resolved I will be moving forward with ftc CFPB and legalBusiness Response
Date: 05/21/2025
RE: First PREMIER Bank
credit card accounts ending in **** and ****
Dear *****
Your concerns with our Workout
Program and payment issues have been addressed multiple times through the
Better Business Bureau and Consumer Financial Protection Bureau.
While we understand you
disagree, as we have explained multiple times, the accounts were properly
removed from the Workout Program.
When you opened the credit
cards with First PREMIER Bank, you accepted the terms of the accounts, which
includes accountability for fees and interest. The monthly fee is charged on
the statement date and continues to bill until the account is closed and
the balance is less than $20.00. A late fee is charged when
the minimum payment is not received by 5:00 P.M. Central Time on the due
date. The closing of your accounts does not stop fees and interest from
accruing, except for the annual fee.
You have received multiple
late fee and collection credits:
Account ending in ****:
$486.00 in late fees and $163.87 in collection credits
Account ending in ****:
$270.00 in late fees and $116.47 in collection credits
Both accounts were closed
at your request on March 6, 2023. After reviewing this complaint, we found that
TransUnion and Equifax were inaccurately reflecting the account as closed by
credit grantor. A correction update was sent to these agencies on May 15.
Please allow adequate time for this to reflect on your credit report.
The balances are $150.88
(****) and $231.79 (****), which you remain responsible for.
We consider this matter
resolved.
Sincerely,
Office of the President
Business Communications
PREMIER
Bankcard, LLC
** *** ****
Sioux Falls, SD 57117-5114
(HLL)
(15219)
PREMIER Bankcard, LLC is a registered Member Service
Provider for First PREMIER Bank.Initial Complaint
Date:05/09/2025
Type: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 Better Business Bureau,
I am writing to formally file a complaint against Midland Credit Management (MCM) regarding an alleged debt they claim I owe. This debt is supposedly associated with Capital One N.A., but I dispute this claim entirely.
Reason for Complaint:
I have never entered into any contract or agreement with First Premier bank
I am not liable for this debt and have not authorized First Premier bank to collect any payments from me.
First Premier has been attempting to collect a debt without providing any valid proof of obligation under a legally binding contract.
This constitutes an unfair and deceptive debt collection practice, which may be in violation of the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA).Requested Resolution:
I demand that Midland Credit Management cease all collection efforts and remove any negative reporting associated with this alleged debt from my credit report immediately.
I request that proof of a valid, signed contract linking me to this debt be provided. If no contract exists, they must acknowledge that I do not owe this debt.
If First Premier bank continues to pursue this matter without providing legally valid documentation, I will escalate this complaint to the Consumer Financial Protection Bureau (CFPB) and explore legal options for unfair collection practices.
I request that the BBB intervene in this matter and urge First Premier bank to respond to this complaint in writing within 30 days.
Thank you for your time and assistance. I appreciate your prompt attention to this issue.
Sincerely, James BerryBusiness Response
Date: 05/15/2025
Dear ******
Additional information is needed to
help us confirm the First PREMIER Bank account you are contacting us about.
Please provide us with two or more items from the following list:
- First 12 or last four digits of
the First PREMIER Bank credit card account number
- Last four digits of your Social
Security number
- First PREMIER Bank Reference
#/Account ID
- Copy of the First PREMIER Bank
tradeline from your credit report
Upon receipt of this helpful
information, we will review and respond accordingly.
Sincerely,
Office of the President
Business Communications
PREMIER Bankcard, LLC
** *** ****
Sioux Falls, SD 57117-5114
(crc)
(15223)
PREMIER Bankcard,
LLC is a registered Member Service Provider for First PREMIER Bank.Initial Complaint
Date:05/09/2025
Type: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.
The delinquent payments showing on my credit report April 22, August 22, September 22, October 22, November 22 were all a result of me not being able to work and losing my job due to COVID-19. The cares act passed into law on March 27, 2020 and ended May 11, 2023 amended the fair credit reporting act ( FCRA) to stop adverse credit reporting during the covid - 19 crisis under these circumstances. These late payments should be updated to PAID/AGREED during this time period.Business Response
Date: 05/15/2025
Dear Engla:
This is in response to
your concerns related to First PREMIER Bank credit card account ending in *****
Early in the pandemic, we
implemented a Coronavirus Relief Program to help customers when they let us
know they couldn't make payments. This program ended in June 2021, which was
prior to your account being opened and the delinquency that occurred.
Your account was opened in
July 2021. If we do not receive at least the minimum payment for two or more
due dates in a row, an account reports delinquent.
Accurate information
reported on your credit report cannot be removed and we do not make credit
reporting adjustments in goodwill. We hope you can understand our commitment to
accurate credit reporting.
** *** **** ******* ********* ** ********* ****** ***** *** ** ******** ******* ** *************
**********
****** ** *** *********
******** **************
******* ********* ***
** *** ****
***** ****** ** **********
****
*******
******* ********* *** ** * ********** ****** ******* ******** *** ***** *****ER Bank.Initial Complaint
Date:05/07/2025
Type: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 don't own this account and I want it removed immediately from my credit reportCustomer Answer
Date: 05/08/2025
I ******* ******* has disputed the transaction with the creditor First Premier bank via , mail , email and thru all credit bureau in mail, and online the outcome has been the same I have asked for all the information to be sent to me about the account I have never received a debt validation from them or the credit bureau that keeps validating the debt. I'm disputing the debt of First premier bank for account **************** for the amount of $637 they continue to post on my account and do not validate the debt with me but the credit bureau allow them to validate the debt with them no proof was ever sent to me everBusiness Response
Date: 05/13/2025
**** ********
This is in response to
your concerns related to First PREMIER Bank credit card accounts ending in **** *** *****
Debt validation is only
required of debt collectors. First PREMIER Bank is the original creditor, not a
debt collector.
Summary of account
ending in *****
This account was opened in
December 2020 and became delinquent in November 2022. The balance and
delinquency continued to increase until the account charged off in April 2023
with a balance of $637.50, which remains today.
Our Security Department
has investigated your claim of fraud multiple times, most recently on May 8,
and found you liable. If you have additional information or documents to
support your claim, please send to:
***** ******* ****
***** ******** **********
** *** ****
***** ****** ** **********
Charged-off accounts
remain on a credit report for approximately seven years, and accurate
information is neither changed nor removed early. It is the responsibility of
consumer reporting agencies to remove accounts at the correct time.
When you dispute an
account with the consumer reporting agencies, our responses are provided
directly to them.
Summary of account
ending in *****
You were found not liable
for this account on March 25. We confirmed this account is no longer appearing
on your credit report.
I* *** **** ******* ********* ** ********* ****** ***** *** ** ******** ******* ** *************
**********
****** ** *** *********
******** **************
******* ********* ***
** *** ****
***** ****** ** **********
****
*******
******* ********* *** ** * ********** ****** ******* ******** for First PREMIER Bank.Customer Answer
Date: 05/13/2025
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID ********* and find that this resolution is satisfactory to me.
Sincerely,
K****** *******Initial Complaint
Date:05/02/2025
Type: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 complaint concerns PREMIER BKCRD/FIRST PREMIER’s continued furnishing of my personal and financial information to consumer reporting agencies (CRAs) after I lawfully revoked all prior consent. My revocation of consent was submitted formally and is supported by this complaint to the CFPB, which serves as official notice.
This is not a dispute regarding the accuracy of the reported information, but a challenge to the creditor’s ongoing authority to furnish any information at all. I have explicitly rescinded all previous authorizations—express, implied, contractual, or otherwise—under applicable law.
Legal Basis:
GLBA § 6802 prohibits sharing nonpublic personal information with non-affiliated third parties without current consent.
FCRA §§ 1681b, 1681s-2, 1681e(b) limit data furnishing to authorized, verified, and lawful purposes.
CCPA/CPRA grants California residents the right to limit the use and disclosure of sensitive personal information, which I have exercised.Business Response
Date: 05/12/2025
RE: First PREMIER Bank credit card account ending in ****
Dear **********
This is in response to your complaint regarding private financial
information we are reporting on your credit report.
You don't have the option to prevent creditors from reporting your
account details to the consumer reporting agencies. The Gramm-Leach-Bliley Act
specifically allows for reporting information to the consumer reporting
agencies in accordance with the Fair Credit Reporting Act (FCRA). You can
review our current privacy
notice at mypremiercreditcard.com, also attached here for your review.
We collected, processed, and/or disclosed the personal information we
have about you in accordance with the federal Gramm-Leach Bliley Act;
therefore, the California Consumer Privacy Act does not require us to disclose
what personal information we have about you, delete that information, or
correct that information. We want to assure you however that your personal
information will only be used and retained for purposes as permitted.
The account was opened in January 2020 and charged off due to
delinquency in June 2021. Charged-off accounts remain on the credit report
approximately seven years from the charge-off date. Accurate information is
neither changed nor removed early.
We hope this information is helpful, and if we have not addressed all
your concerns, please contact Customer Service at *************
Sincerely,
Office of the President
Business Communications
PREMIER
Bankcard, LLC
** *** ****
Sioux Falls, SD 57117-5114
(AE)
(15163)
PREMIER Bankcard, LLC is a registered Member Service
Provider for First PREMIER Bank.Customer Answer
Date: 05/14/2025
Complaint: ********
I am rejecting this response because:To Whom It May Concern,
This rebuttal addresses the May 2025 response from First PREMIER Bank regarding the continued furnishing of my personal data to the credit reporting agencies, despite my formal revocation of consent.
1. Consent Revocation Was Explicit and Properly Delivered
On April 30, 2025, I formally revoked all prior authorizations—express, implied, or contractual—that permitted First PREMIER Bank or any of its affiliates or agents to share, report, or disseminate my personal information, including to consumer reporting agencies. This notice was issued under the Gramm-Leach-Bliley Act (GLBA), the Fair Credit Reporting Act (FCRA), and the California Consumer Privacy Act (CCPA), and delivered via the Consumer Financial Protection Bureau for regulatory documentation.
2. Your Own Privacy Notice Supports My Rights
Per your own Privacy Notice (Rev. 9/2020):
"Federal law gives consumers the right to limit some but not all sharing."
It further explains:
"We continue to share your information as described in this notice… [but] you have the right to limit sharing for: (1) affiliates’ everyday business purposes about your creditworthiness, (2) affiliates using your information to market to you, and (3) nonaffiliates to market to you."
While you argue that information reported to the credit bureaus falls under “everyday business purposes,” this category ceases to apply when the business relationship ends and lawful consent is withdrawn.
My account with you was charged off in June 2021, and no current relationship exists. As such, your permissible purpose no longer stands under FCRA §1681b and GLBA §6802. A charged-off account does not create an eternal right to process or publish consumer data, particularly after a written revocation.
3. GLBA and FCRA Do Not Override Consent-Based Rights
The GLBA explicitly restricts data disclosure to nonaffiliated third parties without consent, subject to opt-out rights. I exercised those rights. Your position that I “do not have the option to prevent reporting” mischaracterizes federal law. Reporting must always be rooted in a valid and ongoing permissible purpose.
Moreover, FCRA §1681s-2(a)(1)(A) prohibits the furnishing of information if the data is no longer authorized. Continuing to share it after a revocation violates this provision.
4. Privacy Is Not a Perpetual License
It is essential to clarify: I am not disputing the accuracy of the data; I am challenging the ongoing authority to share it post-consent withdrawal. Your refusal to acknowledge this creates a privacy violation under federal and California law.
5. Request for Relief
I respectfully request that the BBB not close this complaint, as the matter is unresolved. I further demand that:
All personal data related to the charged-off account ending in **** be permanently removed from any credit reporting agencies;
First PREMIER Bank provide written acknowledgment of compliance with the revocation;
Furnishing activity post-revocation be fully ceased and prevented moving forward.
Failure to comply will result in escalated filings with the CFPB, FTC, California Attorney General’s Office, and legal counsel, as necessary.
Sincerely,
********* *******Initial Complaint
Date:04/30/2025
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I am writing to formally dispute the account referenced under account number ********* that appears on my credit report. This account was opened without my authorization and constitutes fraudulent activity. I have no recollection of applying for or consenting to any agreement with FST PREMIER
Under 15 USC 1692g (Validation of Debts), you are required to provide verification of the debt or a copy of the judgment if I notify you in writing within 30 days. I have not received any signed contract or documentation proving that I consented to this account. Without a valid, legally binding agreement bearing my signature, there is no basis for this account to exist under my name.
Since this account was established fraudulently, I request its immediate removal from my credit report and that any collection activity cease. If you cannot provide proper validation within 30 days, you are required to delete this account from my record and stop further collection efforts.
Please confirm receipt of this letter and notify me of the next steps to resolve this matter.Business Response
Date: 05/02/2025
Dear *******
You stated the First
PREMIER Bank credit card account ending in **** was opened without your
authorization and is appearing on your credit report.
Our records confirm the
name listed on this complaint, Joshua Malone, is not the name on the account
number provided. For us to research your claims further, please provide the
following information:
- Copy of the First PREMIER Bank tradeline from your credit report
- Last four digits of your Social Security Number
Additionally, the
correspondence appears to have been submitted on your behalf by a third party.
We would appreciate your help to confirm if you submitted the complaint, by
writing to us at the address below with your questions and relevant
documentation.
First
PREMIER Bank
Attn:
Business Communications
** *** ****
Sioux
Falls, SD 57117-5114
Upon receipt of this
helpful information, we will review and respond accordingly.
Sincerely,
Office of the President
Business Communications
PREMIER
Bankcard, LLC
** *** ****
Sioux Falls, SD 57117-5114
(HLL)
(15112)
PREMIER Bankcard, LLC is a registered Member Service
Provider for First PREMIER Bank.Initial Complaint
Date:04/28/2025
Type: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.
Premier BankCard had a collector contact me on an email account we located and found was used by a family member that stayed in my home. We disputed the debt and the collector said they would cease collection and review everything. We had to deal this exact issue previously because the family member used our address, bank account and every document possible while resident in our house to be “******* *******”. The court assisted us with winning that case due to the fraudulent activity endured.
But premier bank card has began harassing the real ******* ******* with over 5 calls per day. To the point that if all calls to ******* ******* and all efforts to collect do not cease we will have no other choice but to seak legal remedies. As the TCPA /FDCPA are now being broken.Business Response
Date: 05/02/2025
RE:
First PREMIER Bank credit card account ending in ****
Dear
********
This
is in response to your complaint where you stated a family member that stayed
at your house used your information fraudulently. You also asked that calls
cease.
After receiving your
complaint, we processed a cease and desist.
In November 2024, we
received your claim of identity fraud through the consumer reporting agencies.
Our Security Department investigated, found you liable, and reported this
information back to the consumer reporting agencies.
We also received
correspondence and claims of identity theft through the consumer reporting
agencies, and our position remained in holding you liable.
The account was opened in
November 2021 and became delinquent in April 2022. The balance and delinquency
continued to increase until the account charged off in September 2022 with a
balance of $1,098.03, which remains today.
Charged-off accounts are
removed from your credit report approximately seven years from the charge-off
date, and accurate information is neither changed nor removed early. The
consumer reporting agencies are responsible for removing the account at the correct
time.
Pease provide additional
information and supporting documentation for us to investigate, such as the
court documents and/or police report which can be sent to:
First
PREMIER Bank
Attn:
Security Department
** *** ****
Sioux
Falls, SD 57117-5524
We hope this information
is helpful. If you have further questions or concerns, please reach out to Customer
Service at 800-987-5521.
Sincerely,
Office of the President
Business Communications
PREMIER
Bankcard, LLC
PO Box 5114
Sioux Falls, SD 57117-5114
(ko)
(15104)
PREMIER Bankcard, LLC is a registered Member Service
Provider for First PREMIER Bank.
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