Business Profile

Credit Cards and Plans

PREMIER Bankcard

Complaints

This profile includes complaints for PREMIER Bankcard's headquarters and its corporate-owned locations. To view all corporate locations, see

Customer Complaints Summary

902 total complaints in the last 3 years.
196 complaints closed in the last 12 months.

If you've experienced an issue

Submit a Complaint

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:04/26/2025
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 would like the hard Inquiry: Mar. 16, 2024 removed from my credit report . I never allowed FIRST PREMIER to use my information . Apr. 08, 2024 First Premier stated that I received a $400 credit limit so why would a hard inquiry be placed onto my credit report
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 expressed concern with an inquiry
from First PREMIER Bank on your credit report and requested validation of debt.

First PREMIER Bank is not
a debt collector; we are not obligated to provide debt validation.

An online application was
received with your personal information on March 16, 2024. This type of inquiry
remains on the credit report for approximately two years, and the consumer
reporting agencies are responsible for removing it at the correct time.

The account was approved for
a $400.00 credit limit and opened after paying the $95.00 program fee, which is
reflected in the screen prints you provided. The account was actively used for
purchases in April 2024. We did not receive any payments, so the account became
delinquent in May 2024, and the balance and delinquency continued to increase
until the account charged off in October 2024 with a balance of $613.65, 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.

If you are claiming you
did not apply for this account, please provide additional information and
supporting documentation for us to investigate, which can be sent to:

First
PREMIER Bank
Attn:
Security Department
** *** ****
Sioux
Falls, SD 57117-5524

We hope this information
is helpful. If our letter did not address all your concerns, please write to us
at the address given below or call Customer Service at *************

Sincerely,

Office of the President
Business Communications
PREMIER
Bankcard, LLC
** *** ****
Sioux Falls, SD 57117-5114
(ko)
(15102)

PREMIER Bankcard, LLC is a registered Member Service
Provider for First PREMIER Bank.
Customer Answer
Date: 05/02/2025

Complaint: ********

I am rejecting this response because:

Sincerely,

******* *****
Why would a hard inquiry be placed on my credit report ? If an account was opened in April? I would like a validation of debt or it needs to be removed from my credit report . Debt is not mine
Business Response
Date: 05/08/2025
Dear
********

As previously explained, First PREMIER Bank is the
original creditor and not required to provide debt validation.

A
credit check is part of our application process, and the inquiry is not removed
when a valid application is submitted. This type of inquiry remains on a credit
report for approximately two years.

If
you are claiming you did not apply for this account, please provide additional
information and supporting documentation for us to investigate, which can be
sent to:

First PREMIER Bank
Attn: Security Department
** *** ****
Sioux Falls, SD 57117-5524

If we can be of further assistance, please call us at
*************

Sincerely,
Office of the President
Business Communications
PREMIER Bankcard, LLC
** *** ****
Sioux Falls, SD 57117-5114
(crc)

(15136)

PREMIER Bankcard,
LLC is a registered Member Service Provider for First PREMIER Bank.
Initial Complaint
Date:04/23/2025
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 am filing this complaint regarding a paid account that First Premier Bank is continuing to report as a “Paid Charge-Off” on my credit reports with ********* *********** *** ******x. While the debt has been resolved, First Premier continues to furnish derogatory information that negatively impacts my creditworthiness.

Despite the account being closed and paid, First Premier’s reporting practices distort the status of the account by overemphasizing the charge-off and underreporting the resolution. This may violate several provisions of the Fair Credit Reporting Act (FCRA), including the duty to report accurate, complete, and up-to-date information (15 U.S.C. § 1681s-2(b) and § 1681e(b)).

I formally disputed this tradeline and requested validation. As of now, First Premier has failed to provide any verifiable documentation supporting their continued derogatory reporting. If the account cannot be fully verified and lawfully justified, the FCRA requires its deletion—not correction.

Additionally, the account history reflects repeated charge-off notations even after payment, which may amount to re-aging, an unfair and deceptive practice that artificially extends the derogatory impact of a resolved account.

My request is simple: Either First Premier Bank must produce full and verifiable proof of the original charge-off—including all supporting documentation and lawful basis—or permanently delete this tradeline from all credit reporting agencies.

A full legal demand letter has been attached to this complaint for reference.
Business Response
Date: 04/30/2025
RE: First PREMIER Bank credit card account end*** ** ****

Dear *******

This is in response to your complaint regarding credit reporting and requesting
debt validation.

When we receive disputes through the consumer reporting agencies, we investigate
and respond with an update to the agency. This is not re-aging the account.

In
response to your request, we are providing the following:
Terms
and conditions sent with the credit card (attached)
********* ****** **********
*** ******* *** ******* *** ******* *** ** ****** ******** ** **********
*********** ********
***** **********
******* ******
***** ****** * ****
******** **** **** *** *** ***** ****** ** *****
********* ******* ************
***** ******** **************************

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

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

** ** **** *** ********* *** **** ********* ****** ******* ******** ******* ** *************
**********
****** ** *** *********
Business Communications
P****** ********* ***
** *** ****
***** ****** ** **********
****
*******

PREMIER Bankcard, LLC is a registered Member Service
Provider for First PREMIER Bank.
Customer Answer
Date: 04/30/2025
To Whom It May Concern,

This response is in reference to BBB Complaint ID ********** which concerns ongoing violations of federal and state consumer protection laws by First Premier Bank, as outlined in my formal dispute letter submitted to the company.

The complaint is entirely valid and supported by the following facts:

The Dispute Letter Sent Was Lawful and Substantiated
The letter submitted to First Premier clearly and lawfully outlines their ongoing violations of the Fair Credit Reporting Act (FCRA), Texas Business and Commerce Code, and related federal statutes. The tone is firm but not threatening, and the letter complies with consumer rights protections. It is not a frivolous complaint—it was issued to seek correction of ongoing reputational harm due to misreporting of a paid account.
The Account is Reported as a “Paid Charge-Off”
Reporting a paid account as a continuing derogatory tradeline violates FCRA § 1681s-2(b) and § 1681e(b). Continued reporting of “charge-off” status post-resolution causes reputational and financial harm, and the failure to update this account accurately after payment constitutes legal noncompliance.
Request for Deletion is Based on the Inability to Validate
The law allows a consumer to demand deletion if a furnisher cannot fully validate the data they are transmitting. My letter rightfully requested either validation or deletion, as required under FCRA § 1681i(a)(5)(A) and Texas Finance Code § 392.202.
No Threats Were Made—Only Legal Citations and Warnings of Enforcement
The letter includes references to laws and regulatory agencies as part of my right to pursue enforcement. It also properly invokes a litigation hold, which is standard when ongoing reporting could result in legal consequences.

I respectfully request that the BBB continue processing this complaint and disregard any attempt to dismiss it based on the firm legal language used in the initial dispute. The business has not provided proper validation or corrective action as required by law, and my intent is to resolve this without further harm to my credit or need for escalated legal proceedings.

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

Business Response
Date: 05/07/2025
**** *******

First PREMIER Bank is the original creditor and not obligated to
provide validation of debt; however, as a courtesy it was provided with our
previous response.

As previously stated, charged-off accounts remain on the credit report
approximately seven years from the charge-off date. Even if paid, the fact that
an account charged off remains as part of the accurate account history. We are
reporting the account as a paid charge-off and disputed. Accurate information
is neither changed nor removed early.

We hope this information is helpful, and we understand you may choose
to pursue legal action.
Sincerely,
O***** ** *** *********
******** **************
******* ********* ***
** *** ****
Si*** ****** ** **********
****
*******

PREMIER Bankcard, LLC is a registered Member Service
Provider for First PREMIER Bank.
Initial Complaint
Date:04/22/2025
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 am writing to formally dispute inaccurate and potentially unlawful information reported on my credit file by First Premier Bank. Specifically, the same account has been marked as charged off multiple times—15 separate instances—resulting in a total of 22 missed payments being reported.

This appears to be a case of duplicate reporting for a single debt, which is misleading and unfairly damaging my credit score. Reporting multiple charge-offs for the same account violates the Fair Credit Reporting Act (FCRA), as it misrepresents the status and severity of the debt.

Additionally, I would like to point out that this account may be past the statute of limitations for reporting negative information, which is typically seven years from the date of the first delinquency.

I respectfully request that these duplicate charge-offs and the associated missed payments be removed from my credit report immediately. Please provide written confirmation once the necessary corrections have been made.
Business Response
Date: 05/08/2025
RE: First PREMIER Bank
credit card account ending in ****

Dear *********:

You expressed concern with
how the above account appears on your credit report.

The account was opened in
May 2021, and became delinquent in May 2022. The delinquency continued to
increase until the account charged off in October 2022 with a balance of $694.26.
In March 2024, it was settled with the collection agency and reported as such
to the consumer reporting agencies in April 2024.

While your account was
serviced by a collection agency, we remained the owner and are responsible for
credit reporting.

After receiving your complaint,
we reached out to the collection agency and were informed there were no calls
with them. We were not able to find any phone calls with First PREMIER Bank
either. If you’d like us to further research your claim that we agreed to
delete the account when you paid, please provide us with the date and time of
the call. This can be sent to the address below or submitted to the BBB.

After an account charges
off, it can report as charged-off in the monthly payment history until it is
paid/settled or until the reporting time has ended, which is approximately
seven years from the charge-off date. The consumer reporting agencies are responsible
for removing accounts at the correct time.

We confirmed your account
is accurately reporting as charged-off with a zero balance and settled for less
than the full balance. When you dispute an account through the consumer
reporting agencies, we research the claim and provide our responses directly to
them. Accurate information is neither changed nor removed early, even when an
account is settled.

You also have an open and
active account with us ending in 2073. This account has a current balance of
$400.95 and $30.00 is due by May 12.

If you’d like us to cease
all collection efforts, please let us know.

We hope this information
is helpful. If you have any further questions or concerns, please contact
Customer Service at *************

Sincerely,

Office of the President
Business Communications
PREMIER
Bankcard, LLC
** *** ****
Sioux Falls, SD 57117-5114
(ko)

(15100)
PREMIER Bankcard, LLC is a registered Member Service
Provider for First PREMIER Bank.
Initial Complaint
Date:04/20/2025
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.
BBB Complaint: Credit Reporting Dispute and Privacy Violation
Complainant:
Samir Patel
18554 Kamana Rd.
Apple Valley, CA 92307
******************* Business: PREMIER BKCRD / FIRST PREMIER
*** * ********* ***, Sioux Falls, SD 57104
Date: April 19, 2025
Complaint Summary:
I am submitting this complaint due to PREMIER BKCRD / FIRST PREMIER's continued reporting of
an account (ending in ***********) to credit reporting agencies despite my written revocation of
consent.
I previously contacted the company, but they have not resolved the matter. The continued reporting
is harming my credit and is being done without a legal requirement or valid purpose.
Under the Fair Credit Reporting Act (FCRA), reporting is voluntary. If a company chooses to report,
the information must be fully accurate and verifiable. I dispute the accuracy of the data being
reported and assert that consent for reporting and third-party sharing has been revoked.
Additionally, privacy laws including the Gramm-Leach-Bliley Act and the California Consumer
Privacy Act provide me the right to stop third-party data sharing. My request is being ignored.
Requested Resolution:
- Cease all reporting of the referenced account to CRAs.
- Remove the existing data from Experian, Equifax, and TransUnion.
- Stop all unauthorized sharing of my personal/financial data.
- Provide written confirmation of compliance.
Thank you for assisting with this resolution.
Sincerely,
Samir Patel
Business Response
Date: 04/24/2025
RE: First
PREMIER Bank credit card accounts ending in **** and ****

Dear ******

This is
in response to your complaint where you expressed concern with credit
reporting.

Please
review our current privacy notice at mypremiercreditcard.com. 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 do not have the option to stop the reporting of your account. The
required notice informing you your account would be reported was included on
your first billing statement.

Following
a thorough review, we confirmed we are accurately reporting the accounts as
closed with a zero balance and disputed. Accurate information is neither
changed nor removed from a credit report early, and the consumer reporting
agencies remove accounts at the correct time.

The
accounts were opened in February 2019 (****) and May 2020 (****). Both accounts
were closed in February 2021 after we requested verification of your Social
Security Number and address but did not receive it. The accounts have a zero
balance today.

Please
refer to your credit card contracts regarding any questions you have about
Arbitration and your right to litigate.

We hope this information is helpful. If we can be of
further assistance, please call us at *************

Sincerely,
Office
of the President
Business
Communications
PREMIER
Bankcard, LLC
** *** ****
Sioux
Falls, SD 57117-5114
(crc)

(15011)

PREMIER Bankcard, LLC is a registered Member Service
Provider for First PREMIER Bank.
Business Response
Date: 05/02/2025
RE:
First PREMIER Bank credit card accounts ending in **** and ****

Dear
******

You expressed additional
concern with credit reporting.

Creditors are required to
report your accounts to the consumer reporting agencies, and you do not have an
option to opt-out. As previously stated, the notice informing you your accounts
would be reported was included on your first billing statement. The
Gramm-Leach-Bliley Act specifically allows for reporting information to the
consumer reporting agencies in accordance with the Fair Credit Reporting Act
(FCRA).

The consumer reporting
agencies remove accounts at the correct time.

If you would like to
request a copy of the credit card contract, please contact Customer Service at
*************

Sincerely,

Office of the President
Business Communications
PREMIER
Bankcard, LLC
** *** ****
Sioux Falls, SD 57117-5114
(ko)

(15106)

PREMIER Bankcard, LLC is a registered Member Service
Provider for First PREMIER Bank.
Customer Answer
Date: 05/06/2025

Complaint: ********

To: Office of the President
PREMIER Bankcard, LLC
PO Box ****
Sioux Falls, SD 57117-5114
Dear Office of the President,
I am writing in response to your recent communication regarding the continued reporting of my credit card accounts ending in **** and *****
To be absolutely clear: this is not a dispute regarding the accuracy of the data you have furnished to consumer reporting agencies. Instead, this is a lawful and explicit revocation of my prior consent to share or furnish any of my personal or financial information—accurate or otherwise—with third parties, including the credit bureaus.
Legal Basis for Revocation:
Gramm-Leach-Bliley Act (GLBA) § 6802 explicitly states that financial institutions may not disclose nonpublic personal information to nonaffiliated third parties without providing the consumer an opportunity to opt out—unless a statutory exception applies, which continued credit reporting does not qualify for without valid ongoing consent.
Fair Credit Reporting Act (FCRA) § 1681b outlines permissible purposes for data furnishing. Once a consumer has revoked authorization, and where no current permissible purpose applies, continued furnishing may no longer be considered lawful.
FCRA § 1681s-2(a)(1) obligates furnishers to maintain not only accuracy but also lawful authority when sharing data. The absence of consent undermines the foundation of this authority.
As a California resident, I also invoke rights under the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA), which provide the right to limit how my sensitive personal information—including account experience data—is used, shared, or retained.
Your Response Mischaracterizes the Law:
The statement that “creditors are required to report your accounts” is legally inaccurate. Nowhere in the FCRA is data furnishing mandated by law. In fact, reporting to consumer reporting agencies is entirely voluntary—what the FCRA does require is accuracy if you choose to report (FCRA § 1681s-2(b)).
Furthermore, prior consent obtained through card use or billing statements is not perpetual and may be rescinded at any time, especially in the absence of an ongoing contractual obligation or benefit supported by consideration.
My Demands:
Immediately cease and desist all furnishing of data related to these accounts to any consumer reporting agency.
Provide a written acknowledgment of my revocation of consent and your institution’s policy regarding consumer opt-out of data sharing.
Confirm that no new data related to these accounts will be furnished to any CRA moving forward.

Sincerely,

***** *****
Initial Complaint
Date:04/18/2025
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 am filing a formal complaint against Premier Bank for inaccurately reporting late payments on my credit report and failing to verify the information after multiple disputes.

Under the Fair Credit Reporting Act (FCRA), 15 U.S. Code § 1681i, I have the right to dispute information I believe is inaccurate or incomplete. I exercised this right by submitting disputes to the credit reporting agencies (Experian, Equifax, and TransUnion) regarding late payments reported by Premier Bank on account ending in ******. Despite my requests, the credit bureaus have continued to report this information without providing documentation to support its accuracy.

To date, I have not received any proof that these late payments are valid. Reporting unverifiable or inaccurate information violates the FCRA, which requires furnishers and bureaus to investigate disputes and remove any data that cannot be verified.

I am requesting that the BBB investigate Premier Bank’s failure to comply with FCRA requirements. I also request the removal of the inaccurate late payment entries from all credit reporting agencies and written confirmation once resolved.

I have attached copies of my dispute letters, relevant credit report sections, and correspondence received during the dispute process.
Business Response
Date: 04/30/2025
RE: First
PREMIER Bank credit card account ending in ****

Dear ******,

This is
in response to your complaint where you expressed concern with credit
reporting.

Following a thorough review, we confirmed we are
accurately reporting the late payments on your account. Please be assured we are committed to
correctly reporting your account details to the consumer reporting agencies. When you send a dispute through the consumer reporting
agencies, we investigate and respond directly to them.

When only one due date is missed, the delinquency is
not reported to the consumer reporting agencies; however, if we do not receive
at least the minimum payment for two or more due dates in a row, an account
reports delinquent. Payments were not received for the due dates in April 2023,
May 2023, December 2023, and January 2024; therefore, accurate late payments reported
in May 2023 and January 2024.

The account is current with a balance of $1,015.86, and
a total minimum amount of $72.00 is due by May 13.

You stated you attached additional documents to aid in
your dispute, but we did not receive these.

We hope this information is helpful. If we can be of
further assistance, please call us at *************

Sincerely,
Office
of the President
Business
Communications
PREMIER
Bankcard, LLC
** *** ****
Sioux
Falls, SD 57117-5114
(crc)

(15022)

PREMIER Bankcard, LLC is a registered Member Service
Provider for First PREMIER Bank.
Customer Answer
Date: 05/05/2025

Complaint: ********

I am rejecting this response because:

Sincerely,

****** *******
Initial Complaint
Date:04/04/2025
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 company is preventing me from obtaining a mortgage for my home. but no matter what listed phone number I try to call, there's never any way to get a hold of anyone. all they have is a PO box, and the voicemail just talks on and on and on about Medicare or Medicaid.
Business Response
Date: 04/11/2025
RE: First PREMIER Bank credit card account ending in ****

Dear ********

This is in response to your complaint regarding your credit report.

You stated there’s never a way to get ahold of anyone and that the
voicemail just talks on and on about Medicare or Medicaid. We would be happy to
research this further if you provide the number you are calling.

Our Customer Service Team can be reached at **************. Business
hours are Monday through Friday 7:00 a.m. to 9:00 p.m. and Saturday 8:00 a.m.
to 4:30 p.m. Central Time. When you call, there is information that needs to be
entered to get through the system. If you do not have the requested
information, just continue to hold and your call will be transferred.

This account was open in December 2021 and became delinquent in
January 2022. The account was closed at our discretion in March 2022 due to an
excessive number of payments returned unpaid by your bank. The delinquency
continued to increase until the account charged off in June 2022 with a balance
of $545.68, which remains today.

Charged-off accounts stay on the credit report approximately seven
years from the charge-off date, and accurate information is neither changed nor
removed early.

If we have not addressed all your concerns, please reach out to
Customer Service.
Sincerely,
Office of the President
Business Communications
PREMIER
Bankcard, LLC
** *** ****
Sioux Falls, SD 57117-5114
(AE)
(14815)

PREMIER Bankcard, LLC is a registered Member Service
Provider for First PREMIER Bank.
Initial Complaint
Date:04/04/2025
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.
February 2025 I received a statement from Premier Bankcard staying that I used this card. However, upon receiving this statement I IMMEDIATELY contacted them. I told them I NEVER received this card, in which charges had been created. They in essence called ne a LIAR. They were not willing to accept nor believe what I was telling. They insisted I was the one who made these charges and ALL THEY WABT IS FOR ME TO PAY. They then thought they would comfort me by saying "well just send you another card". I IMMEDIATELY refused, saying NO THANK YOU I DON'T WANT AND I DON'T NEED IT. Premier is being insistent about my paying for something I DID NOT USE NOR ACCEPT. Please help to resolve this HERRIFIC situation.
Business Response
Date: 04/11/2025
RE: First PREMIER Bank credit card account

Dear ******

This is in response to your complaint where you stated you didn’t
receive the credit card and no longer want the account.

We are so sorry for this frustrating situation. The account is closed
with a zero balance.

An investigation was completed, and you are not liable for the
disputed charges. A letter of explanation was sent on March 11. While
investigating, you were not responsible to pay on the disputed charges, but
because the annual fee and monthly fee had billed to the first statement, there
was a $30.00 payment due. We apologize for this confusion.

A cease and desist was processed and your name, email, and mailing
address were removed from our mailing lists.

We reviewed your phone calls and were not able to locate a call where
you were informed you had to pay the disputed charges. If you’d like us to
research this further, please provide more information, such as who you spoke
with and the date and time of the call.

Please reach out to Customer Service if you have any further questions
at *************
Sincerely,
Office of the President
Business Communications
PREMIER
Bankcard, LLC
** *** ****
Sioux Falls, SD 57117-5114
(AE)
(14814)

PREMIER Bankcard, LLC is a registered Member Service
Provider for First PREMIER Bank.
Initial Complaint
Date:04/02/2025
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 have two accounts on my credit report showing as charged off from First Premier. These accounts were opened without my consent. I have disputed these through credit bureaus requesting verification of the debts, but there has been no resolution to the issue. First Premier has yet to verify with ME, that the debt is mine. Furthermore these debts are dated over 7 years ago, which is a problem in addition to the accounts not being authorized by me. Assistance with resolution of this matter will be greatly appreciated.
Business Response
Date: 04/10/2025
RE: First
PREMIER Bank credit card accounts ending in **** and ****

Dear
R******

This is
in response to your complaint where you expressed concern with fraudulent
accounts.

Our Security Department investigated and found you
liable for the accounts. If there is additional information you would like us
to consider, please call Customer Service at ************ or send it to:

First PREMIER Bank
Attn: Security Department
** *** ****
Sioux Falls, SD 57117-5524

As the original creditor, First PREMIER Bank is not
required to provide debt validation. The applications were received online, and
no signed contracts are available.

The accounts were opened in June 2015 (****) and
November 2016 (****). They charged off due to delinquency in November 2019 with
a balance of $734.62 (****) and August 2019 with a balance of $919.25 (****),
both of which remain today.

Charged-off accounts remain on a credit report for
approximately seven years from the charge-off date, and accurate information is
neither changed nor removed early. The consumer reporting agencies remove
accounts at the correct time.

We hope this information is helpful. If further
assistance is needed, please call Customer Service.

Sincerely,
Office of the President
Business Communications
PREMIER Bankcard, LLC
** *** ****
Sioux Falls, SD 57117-5114
(crc)

(14799)

PREMIER Bankcard,
LLC is a registered Member Service Provider for First PREMIER Bank.
Initial Complaint
Date:04/02/2025
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 have reviewed my Credit Report and noticed 2 inaccurate errors with Old Premier Credit Cards. Both accounts were closed with the Balance paid in Full.

The First account was closed July 2024
The Second was closed August 2024

I have provided documents and that these accounts put in Paid in Full and good standings immediately
Business Response
Date: 04/08/2025
RE: First PREMIER Bank
credit cards ending in **** *** ****

Dear M*******

We reviewed and confirmed that
both of your accounts were closed at your request in September 2024 but neither
account was paid in full.

A settlement request was recently received
from National Debt Relief (NDR) and an offer was sent to them. Please contact
NDR with any questions.

For your review, accounts
summaries are provided below:

The account ending in 7953
was opened in November 2022. The last payment of $78.57 in June 2024 was the
Total Minimum Amount due at that time and did not pay the balance in full. The
account became past due in August 2024, which led to charge off in January
2025. The current balance is $539.07.

The account ending in 9582
was opened in January 2024. The last payment of $50.00 in June 2024 did not pay
the balance in full. The account became past due in July 2024, which led to it
charging off in December 2024 with a balance of $716.14 that remains today.

We are committed to
correctly reporting account details to the consumer reporting agencies and we
do not change or remove accurate information. If you have proof of additional
payments made to these accounts please add it to your complaint, upload it to
our website, or send to the address below. Upon receipt of this information, we
will review for any applicable adjustments.

Sincerely,

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

*******

******* ********* *** ** * ********** ****** ******* ******** *** ***** ******* *****
Initial Complaint
Date:04/01/2025
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 have been a loyal member of First Premier since 2021- and have enjoyed the relationship- I recently discovered that my account ending in **** had two late payments from October 2022 and June 2023. I personally do not recall missing these payments (as they are the only ones that show on my report) but will admit during that time I was dealing with a personal matter after the birth of my child had who an extended stay in the neonatal intensive care unit (NICU). I obviously was a little overwhelmed, stressed, and overall just worried about the potential outcome. I do not recall receiving any emails (that I can find) or calls notifying me of these missed payments because of course I would have done so. I have tried talking and working it would with the 3 credit buraus about this matter but would need this to be handled internally. I would like a goodwill adjustment due to always paying on time and long relationship with First Premier. This act of goodwill would be extremely helpful as now I'm trying to buy a house in the future with my family.
Business Response
Date: 04/07/2025
RE: First PREMIER Bank
credit card account ending in ****

Dear *******

You asked that we make a
goodwill adjustment and remove the delinquencies on this account.

We previously addressed these concerns in our letters dated January 20 and
February 5.

The delinquencies that are
appearing on your credit report from October 2022 and January 2023 are valid. First
PREMIER Bank is required to report an accurate credit history, and we are not
able to fulfill your request for a goodwill adjustment.

Our records confirm emails
were sent when your account was 45 days delinquent, these emails were generated
on October 1, 2022, and January 1, 2023. We also attempted to contact you via
phone.

While we are empathetic to
your situation, your continued communication regarding this matter will not
change our outcome.

Sincerely,

Office of the President
Business Communications
PREMIER
Bankcard, LLC
** *** ****
Sioux Falls, SD 57117-5114
(ko)

(14776)

PREMIER Bankcard, LLC is a registered Member Service
Provider for First PREMIER Bank.
Business Response
Date: 04/10/2025
Dear
Sydney,

As explained on multiple occasions, we do not make
goodwill adjustments. We are committed to fair and accurate credit reporting.

You indicated there is an “email block” placed on your
email address, and we are unsure what you mean by this. Please provide written
clarification of your concern and your request, so we can best assist you.

We consider this matter closed, and further
correspondence will not change our position.

Sincerely,
Office of the President
Business Communications
PREMIER Bankcard, LLC
** *** ****
Sioux Falls, SD 57117-5114
(crc)

(14839)

PREMIER Bankcard,
LLC is a registered Member Service Provider for First PREMIER Bank.
Customer Answer
Date: 04/14/2025

Complaint: ********

I am rejecting this response because i have 15 email addresses that automatically get a "Recipient address rejected" which occurs when the recipient's email server refuses to accept your message. However the other 5 emails go through without an issue. So that's why i believe these 15 people have blocked email communications.

Sincerely,

****** *****

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