Complaints

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

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  PREMIER Bankcard

  3820 N Louise Ave Sioux Falls, SD 57107-0145

  
• 

  PREMIER Bankcard

  1400 Mickelson Dr Watertown, SD 57201-7233

  
• 

  PREMIER Bankcard

  1000 18th St SW Huron, SD 57350-3486

  
• 

  PREMIER Bankcard

  PO Box 5147 Sioux Falls, SD 57117-5147

  
• 

  PREMIER Bankcard

  PO Box 5524 Sioux Falls, SD 57117-5524

  

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:04/02/2025

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

• Initial Complaint

  Date:03/25/2025

  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.

  Premier Bankcard is engaged in predatory billing practices. This account is owned by my mother who is elderly and disabled. She has had this card many years and it was on autodraft. Recently we found out they do not take autodraft anymore. We called them to find out why the bill was so high and for payment arrangements on a bill we received for over 1000. which was surprising since she has not been using this card and has been a victim of identity theft more than once, and she has been in and out of hospitals with severe health issues the last two years. We asked to make payment arrangements, they agreed, we paid almost 300. which is a lot on a fixed income. and the next month they billed her another 210 instead of the 60-80 a month she has budgeted and had agreed to. Further, when we asked why the bill was so high, she had numerous late fees due to late payments because they had taken it off of autopay and no longer offered that feature, but did not notify her of that. Also- there is an online gaming company that has been billing my mom for many months which she did not know about because it was on autopay. She disputed the gaming charges and they were going to investigate it. Turns out. they didnt investigate , continue to allow this fraudulent charge and instead asked her to prove she doesnt have an account. She cant provide account information for the gaming company when she does not own a computer and she does not do any business with this gaming company. Premiere refuses to investigate further, reduce any fraudulent fees and charges, honor the previous payment agreement nor follow the agreed upon payment arrangements. This is predatory at best and flat out theft. My mom did not know she was paying a monthly credit card fee just for having the card and an annual fee as well. This company has received hundreds if not thousands of dollars from my mom she didnt even owe and refuses to fix or stop this from happening further. Please help us reach a resolution.

  

  Business Response

  Date: 04/04/2025

  Dear
  ********
  
  This is
  in response to your complaint where you expressed multiple concerns with your
  First PREMIER Bank credit card account ending in ****
  
  You
  called on February 7 and authorized us to speak to ******* ***** regarding the
  account at any time.
  
  In the
  same call, you identified and disputed multiple charges from ******************
  for $14.99. You indicated you authorized the initial charge on February 5,
  2021, but did not intend to continue a monthly subscription; therefore, you
  disputed all subsequent monthly charges from March 7, 2021, through October 7,
  2024. In response to this dispute, we sent a letter to you requesting the
  following:
  
  - A letter stating the date you cancelled or attempted to cancel the merchandise/service including the month, day, and year, and reason for cancellation
  - A copy of the letter from the merchant confirming the cancellation
  - The cancellation number, if applicable
  
  As we did
  not receive a response, the investigation was closed.
  
  In your
  recent call on March 25 and in this complaint, you provided information conflicting
  with your original dispute.
  
  In order
  to best assist you, we ask that you clarify in writing the nature of your
  dispute.
  
  - If you gave initial authorization but did not attempt to cancel, as stated during the February 7 call, you will need to contact and work directly with the merchant on this dispute.
  - If you are requesting a different type of billing dispute investigation, please provide us with written clarification of what you intended to dispute in your initial call including any supporting documentation.
  
  As a
  courtesy, we credited four late fees to your account, totaling $156.00 and
  bringing your balance to $800.64.
  
  We
  understand you have concerns with the account fees and recognize our cards do
  not fit everyone's financial situation. By opening a credit card with First
  PREMIER Bank, you accepted the terms of the account, including accountability
  for fees and interest. The fees were disclosed to you at the time of
  application and on the disclosures that came with your credit card.
  
  An annual
  fee is billed once a year directly to an account to allow flexibility in
  paying it over time.
  
  A monthly
  fee is billed for keeping an account open under our credit card program. This
  fee is charged monthly on the statement date and continues to bill until the
  account is closed and the balance is less than $20.00.
  
  At this
  time, we do not offer an autopay program and apologize for any inconvenience.
  We stopped new enrollments for PREMIER AutoPay in 2020, and your account was un-enrolled
  from PREMIER AutoPay in September 2023. All payments made since September 2023 were
  made manually. You were accurately informed of this during your call on
  February 7.
  
  We hope this information is helpful. If we can be of
  further assistance or you’d like to discuss payment options, please call us at
  *************
  
  Sincerely, 
  Office of the President
  Business Communications
  PREMIER Bankcard, LLC                                                                                     
  ** *** ****
  Sioux Falls, SD 57117-5114
  (crc)
  
  (14695)
  
  PREMIER Bankcard,
  LLC is a registered Member Service Provider for First PREMIER Bank.
  
  
  

  Customer Answer

  Date: 04/04/2025

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

  initially when we were told about these charges it was a surprise. We thought it was an app with a similar name but it is not. It is a pc game and i dont own a pc and havent used one in many years. Therefore this would not have been a company i authorized any transactions with. Additionally, the fees and other charges have changed since i initially started this account many years ago. So i could not have read all the policies you claim i would have read at the time this account was opened. Finally, i was not aware that you cancelled the autopay but it was a good thing because that is how we found out how much money you have been taking from me for years now. I havent actually used this card for any purchases in a very long time so imagine my surprise when inwas over my limit and hit with penalties for it. We nade a payment arrangement with the understadning that after that we would return to the more resonable 50-60 dollar a month payments but you had us pay just enought to get ot under the limit- knowing it would go back over the likit when the fees were added and then yoi could charge more fees. We do not have any relationship with this vendor and therfor can not contact them and provide infomation you are asking for.

  this card is predatory and you refused to cancel charges to an unauthorized vendor despite us notifying you to do so. 
  
  
  
  
  Sincerely,
  
  
  
  ******* *****

  

  Business Response

  Date: 04/10/2025

  Dear ********
  
  Thank you providing clarification regarding the nature
  of your dispute. We referred your correspondence to our billing disputes
  department and ask that you allow sufficient time for them to investigate. They
  will contact you directly when they reach a conclusion or if further
  information or documentation is needed from you.
  
  Since the account was opened in December 2009, the
  terms have changed multiple times, and our records confirm we provided change
  in terms notice to you each time. We confirmed the terms regarding the annual
  fees and monthly fees have not changed since the account was opened. For
  further clarification of the terms of your account, please call ************,
  and we would be happy to review with you.
  
  During your call on February 7, you were accurately
  informed your total minimum amount due was $625.27; a payment of this amount
  would’ve brought your account current and the minimum amount due back to its
  normal amount ($30 or 7% of the balance, whichever is higher). As you made a
  payment of only $293.00, the account remained past due, causing future monthly
  amounts due to increase.
  
  We thank you for your patience and appreciate your
  cooperation regarding this dispute. Please contact us at the number provided
  above with any additional questions or concerns.
  
  Sincerely, 
  Office
  of the President
  Business
  Communications
  PREMIER
  Bankcard, LLC                                                                                     
  ** *** ****
  Sioux
  Falls, SD 57117-5114
  (crc)
  
  (14817)
  
  PREMIER Bankcard, LLC is a registered Member Service
  Provider for First PREMIER Bank.

• Initial Complaint

  Date:03/25/2025

  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 paid off my debt with first premier an faxed a paper to remove the remarks of disputing the account as I am not and I have already paid it. I have called three times and get told the same thing fax a paper and I have. This is hurting my name and my credit. The remark needs to be removed and updated as paid or charges off but not consumer is disputing the account name ******* ***** I don't have the card as it has been charged off and cut it up social is *********

  

  Business Response

  Date: 03/27/2025

  RE: First
  PREMIER Bank credit card account ending in ****
  
  Dear
  ********
  
  This is
  in response to your correspondence in which you requested the dispute mark
  removed from your credit report.
  
  We sent an update to have the dispute mark removed from
  your credit report. Please allow adequate time for this update to be made.
  
  This noting of dispute was accurately added to your
  credit report when we received disputes through the consumer reporting agencies
  in April 2024. If further disputes are received, the dispute mark will be added
  back onto your credit report.
  
  Following a thorough review, we confirmed we are
  accurately reporting the account as charged-off and paid in full for less than
  the full balance. Charged-off accounts remain on a credit report for
  approximately seven years, even when settled.
  
  We hope this information is helpful.
  
  Sincerely, 
  Office of the President
  Business Communications
  PREMIER Bankcard, LLC                                                                                     
  ** *** ****
  Sioux Falls, SD 57117-5114
  (crc)
  
  (14706)
  
  PREMIER Bankcard,
  LLC is a registered Member Service Provider for First PREMIER Bank.

• Initial Complaint

  Date:03/25/2025

  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 disputing an invalid account reported by {FIRST PREIMER BANK} on my credit report. This account is inaccurate,unverified,and violates the Fair Credit Reporting Act(FCRA).Since it does not meet the legal standards for reporting,I reguest its immediate removal.If the furnisher cannot provide proper validation,it must be delated per federal law.

  

  Business Response

  Date: 04/01/2025

  RE: First
  PREMIER Bank credit card account ending in ****
  
  Dear
  *********
  
  This is
  in response to your complaint in which you requested debt validation.
  
  As the original creditor, First PREMIER Bank is not
  required to provide debt validation. The application was received over the
  phone, and no signed contract is available.
  
  Following a thorough review, we confirmed we are
  accurately reporting. Your complaint did not explain what information you felt
  was reporting inaccurately. Please identify the specific information you are
  disputing and provide supporting documentation to the address above.
  
  The account was opened in August 2022 and charged off
  due to delinquency in January 2024 with a balance of $718.79, which remains
  today. Charged-off accounts remain on a credit report for approximately seven
  years, 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.
  
  Sincerely, 
  Office of the President
  Business Communications
  PREMIER Bankcard, LLC                                                                                     
  ** *** ****
  Sioux Falls, SD 57117-5114
  (crc)
  
  (14717)
  
  PREMIER Bankcard,
  LLC is a registered Member Service Provider for First PREMIER Bank.

  Customer Answer

  Date: 04/02/2025

  Under the FCRA,I have the right to dispute any information that I believe to be incomplete or inaccurate (15 U.S.C.£1681i).The account in question established without documented consumer authorization, falls squarely into the category.Additionally, as required by FCRA guidelines, every item reported must be verifiable and substantiated with acceptable documentation. The lack of such documentation for this telephone initiated account renders the information invalid. Thanks ******** ** ******** 

• Initial Complaint

  Date:03/24/2025

  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 inaccurately updating account monthly to my credit report that has been deemed with profit loss and directly reported to the IRS.
  
  I requested by mail (12/12/2024) to receive the 1099 and they never responded. I disputed this with Credit Karma and directly with Experian & Equifax and the company refused to remove this item, they updated the account to CLOSED then reset the late date to 4 days late, rather than removing as required by law.
  
  This inaccurate reporting has caused me denials of credit, auto loans and higher interest rates. Which is negatively affecting my credit score.
  
  Under the FCRA, specifically Section 611, I request that this information is investigated and removed from my credit report within 30 days as required by law.
  Failure to comply with this request will leave me no choice but to consider legal actions to pursue damages caused by the inaccuracy and resulting in financial harm.

  

  Business Response

  Date: 03/27/2025

  RE: First
  PREMIER Bank credit card accounts ending in **** and ****
  
  Dear
  Tyranesha,
  
  This is
  in response to your complaint where you requested information removed from your
  credit report.
  
  We
  previously addressed these concerns in a response through the Better Business
  Bureau and the Federal Reserve Bank of Minneapolis in March 2025. Attached are
  copies for your review.
  
  As
  previously explained, we are accurately reporting the accounts, and we neither
  change nor remove accurate information from a credit report.
  
  We
  received disputes through the consumer reporting agencies, and our responses
  were provided directly to them.
  
  Since you
  remain liable for the debts of charged-off accounts, Form 1099-C is not
  required. We have no record of receiving a previous request for Form 1099-C.
  
  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)
  
  (14694)
  
  PREMIER Bankcard,
  LLC is a registered Member Service Provider for First PREMIER Bank.

• Initial Complaint

  Date:03/22/2025

  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 filing a formal complaint against First Premier Bank for their predatory lending practices, outrageous interest rates, and inaccurate debt reporting that is unfairly damaging my credit profile. Their exploitative fees and deceptive practices have made it nearly impossible for consumers to maintain a healthy financial standing, and now they are reporting a debt I do not recognize to the credit bureaus.
  
  Please Validate the Accounts in Violation:
  
  Account in Dispute
  Equifax Account Number: *********************
  Experian Account Number: *********************
  TransUnion Account Number: *****************
  
  First Premier Bank is notorious for targeting vulnerable consumers with their sky-high interest rates, excessive fees, and misleading credit card offers. Their lending model is designed to trap people in debt, and now they have the audacity to report an invalid and unverified debt on my credit report.

  

  Business Response

  Date: 04/04/2025

  Dear
  *******
  
  Your
  complaint mentions several concerns regarding your First PREMIER Bank account
  ending in ****, which are addressed individually below:
  
  Fees
  and Interest
  Like most
  credit cards, ours do have fees associated with them. The fees were disclosed
  to you at the time of application and on the account opening disclosures that
  came with your credit card when you opened it in December 2021.
  
  By opening
  a credit card with First PREMIER Bank, you accepted the terms of the account,
  including accountability for fees and interest.
  
  The last payment we received on this account was in August 2023, after which
  time the account became past due. The delinquency continued to increase until
  the account charged off in February 2024 with a balance of $416.87, which
  remains today. Even though the account charged off, you are responsible for the
  balance until it is paid in full or settled.
  
  Once your
  account charged off, no further fees or interest charged, and you no longer
  received a monthly statement.
  
  Credit
  Reporting

  Charged-off
  accounts remain on a credit report for approximately seven years, and the
  consumer reporting agencies are responsible for removing them. First PREMIER
  Bank does not change or remove accurate information early.
  
  If there
  is something specific on your credit report you do not recognize please provide
  clarification so we know how to assist.
  
  If you
  have any remaining concerns or questions about your account or our lending
  practices, please call our Customer Service Team at ************.
  
  Sincerely, 
  
  Office of the President
  Business Communications
  PREMIER
  Bankcard, LLC                                                                                                                      
  ** *** ****
  Sioux Falls, SD 57117-5114
  (lmn)
  
  (14693)
  
  PREMIER Bankcard, LLC is a registered Member Service
  Provider for First PREMIER Bank.

  Customer Answer

  Date: 04/04/2025

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because: there are inaccuracies on my credit report from this institution. This violations my rights under FCRA. 
  
  
  
  Sincerely,
  
  
  
  ****** *********

• Initial Complaint

  Date:03/22/2025

  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 filing a formal complaint against First Premier Bank for reporting an unverified and unrecognized debt collection account on my credit report with all three major credit bureaus. The account details are as follows:
  
  Equifax Account Number: ********************* Experian Account Number: *********************
  TransUnion Account Number: *****************  Dispute & Debt Validation Request:
  I do not recognize this debt and, under the Fair Credit Reporting Act (FCRA) § 611 (15 U.S.C. § 1681i) and Fair Debt Collection Practices Act (FDCPA) § 809 (15 U.S.C. § 1692g), I am formally requesting full validation of this alleged debt.
  
  Required Validation Documentation:
  To comply with federal law, I request the following within 30 days:
  
  ? A copy of the original signed contract proving I authorized this debt
  ? Detailed payment history and how the balance was calculated
  ? Proof of ownership transfer if the debt was sold or assigned
  ? Evidence that this debt is within the statute of limitations for collection in my state
  
  FCRA & FDCPA Violations
  If First Premier Bank cannot provide complete validation, they are in violation of:
  
  FCRA § 611 – Failing to verify the accuracy of information
  FDCPA § 809(b) – Continuing collection without proper validation
  FCRA § 623(a)(3) – Reporting inaccurate information to credit bureaus
  Failure to comply within the legal timeframe will result in a formal complaint with the CFPB, FTC, and State Attorney General, as well as potential legal action for damages caused by inaccurate reporting.
  
  Requested Resolution:
  If First Premier Bank cannot provide complete and proper validation, I demand immediate deletion of this account from my credit reports. Please confirm in writing the resolution of this complaint at the address above.
  
  Thank you for your prompt attention to this matter.

  

  Business Response

  Date: 03/27/2025

  RE: First PREMIER Bank
  credit card accounts ending in **** and ****
  
  Dear *****
  
  Since
  First PREMIER Bank is not a debt collector we are not obligated to provide debt
  validation. We encourage you to view your past billing statements for a listing
  of all payments, charges, and fees on the accounts which were sent to the
  address listed on your complaint.
  
  We
  need more details to assist you better. You stated these accounts are
  unverified and unrecognized debts on your credit report. To help us understand
  your concerns, please provide further detail regarding the First PREMIER Bank
  accounts, including the following:
  
  Explain why you believe the charge-offs are inaccurate
  Send supporting documentation such as your credit report, proof of payments made, bank statements, etc.
  If you feel you are a victim of identity fraud and these accounts were fraudulently opened, we encourage you to visit *********************************** *** ***** ** ***** 
  
  The
  additional information we’ve requested can be sent to my attention at the above
  address, or you may call Customer Service at *************
  
  Sincerely, 
  
  Office of the President
  Business Communications
  PREMIER
  Bankcard, LLC                                                                                     
  ** *** ****
  Sioux Falls, SD 57117-5114
  (ko)
  
  (14692)
  
  PREMIER Bankcard, LLC is a registered Member Service
  Provider for First PREMIER Bank.
  

• Initial Complaint

  Date:03/21/2025

  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 request the removal of First Credit Bank from my credit report. After careful review of my credit history, I believe that this entry does not accurately reflect my financial situation and should be reconsidered for removal.
  
  There are several factors contributing to this request. First, I would like to highlight that the circumstances surrounding this account were unusual and do not represent my usual financial behavior. During the time in question, I experienced significant personal challenges that impacted my ability to manage my finances effectively. These challenges were unexpected and temporary, and I have since taken considerable steps to regain control of my financial responsibilities.
  
  Additionally, I have made a conscious effort to improve my creditworthiness. I have been actively managing my current financial obligations, making timely payments, and maintaining healthier financial habits. Removing this entry would allow my credit report to more accurately reflect my recent efforts and responsible behavior.
  
  It is important to note that the presence of this entry is having a detrimental impact on my ability to access fair financial opportunities. This affects not only my present circumstances but also my future prospects. Removing this record would offer me the chance to rebuild my financial standing and pursue opportunities that require a more accurate reflection of my current financial health.
  
  I kindly request that you review my case with understanding and compassion, considering the improvements I’ve made and the challenges I’ve overcome. I am committed to maintaining responsible financial habits moving forward and believe that removing First Credit Bank from my credit report would be a meaningful step toward a brighter financial future.
  
  Thank you for taking the time to review my request. I appreciate your consideration and look forward to your response.

  

  Business Response

  Date: 03/25/2025

  **** ******** 
  
  This is in response to
  your concerns relevant to the First PREMIER Bank credit card account ending in
  ***** 
  
  While we recognize it can
  be frustrating to have negative information on your credit report, it is our
  obligation to report accurate account details.
  
  This account was opened in
  August 2022. We did not receive any valid payments, so your account became
  delinquent; the balance and delinquency continued to increase until the account
  charged off in February 2023 with a balance of $472.36, which remains
  today.  Even though the account charged
  off, you are responsible for the balance until it is paid in full or settled.
  
  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.
  
  While we know this is not
  the answer you want, we hope you can understand our commitment to accurate
  credit reporting.
  
  ** *** **** ******* ********* ** ********* ****** ***** *** ** ******** ******* ** *************
  
  ********** 
  
  ****** ** *** *********
  ******** **************
  ******* ********* ***                                                                                                             
  ** *** ****
  ***** ****** ** **********
  ****
  
  *******
  
  ******* ********* *** ** * ********** ****** ******* ******** *** ***** ******* *****

  Customer Answer

  Date: 04/08/2025

  Hello, 

  Yes I filed this complaint because of a dispute I've been trying to get this off my credit for over 3years now I've sent letters, disputes, and etc and it's still on my credit. Please remove this.