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

905 total complaints in the last 3 years.
199 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:03/19/2025
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
2/5/25

********* ****** *** **** **** **** San Diego Ca, 92101

First Premier **** * ***** ***
Sioux Falls SD, 57107

Acct# ******
To Whom It May Concern:

This letter is regarding Acct#******, which you claim '' I owe $$471"]. This is a formal notice your claim is disputed.
I am Requesting validation, made pursuant to the Fair Dept Collection Practice Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am Requesting “validation"; that is competent evidence bearing my signature, showing that I have (or ever had) some Contractual obligation to pay you.
Please also be aware that any negative mark found on my credit reports (including Experian, Transunion and Equifax) from your company or any company that represents, for a debt that I don’t owe, is a violation of the FCRA & FDCPA; therefore if you cannot validate the debt, you must request that all credit reporting agencies delete the entry.
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.
Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of $1,000 in damages per violation for:
• Defamation
• Negligent Enablement of Identity Fraud
• Violation of the Fair Debt collection Practices Act (including but not limited to section 807-8)
• Violation of the Fair Credit Reporting Act (including but not limited to Section 623-B)
Please Note: This notice is attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waver of status.
My contact information is as follows:

********* ****** *** **** **** **** San Diego Ca, 92101
SSN: *****
Business Response
Date: 03/20/2025
RE: First PREMIER Bank
credit card account ending in ****

Dear **********

This is in response to
your complaint where you requested debt validation.

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

This account was opened in
October 2021, after receiving an online application. Due to the method of
application, there is no signed contract. No payments were received, so the
account became delinquent and charged off in April 2022 with a balance of
$471.75, which remains today. Even though the account charged off, you remain
responsible for the balance.

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

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

Sincerely,

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

(14646)

PREMIER Bankcard, LLC is a registered Member Service
Provider for First PREMIER Bank.
Customer Answer
Date: 03/21/2025

Complaint: ********

I am rejecting this response because:

According to the FDCPA, and the FCRA any time the a consumer contacts you questioning a line of credit you put on my report you are required to contact the bureaus on your behalf and make sure you add a sentence within 30 calendar days that says you have disputed the negative items in question, and send validation bearing my signature.

Sincerely,

********* ******
Initial Complaint
Date:03/17/2025
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 a victim of identity theft caused by the Equifax Data Breach. These accounts were opened fraudulently and they need to be removed from my credit report immediately first premier bank acc** ******
Business Response
Date: 03/18/2025
RE: First
PREMIER Bank credit card account ending in ****

Dear
******

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

We referred your identity theft claim to our Security
Department. Please allow up to 30 days for them to investigate, and they will
contact you directly. If you have additional information or documentation to
support your identity theft claim, please send it to:

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

Upon completion of the investigation, the account may
be reviewed for possible adjustment to your credit report.

To protect yourself against fraud, we encourage you to
contact the consumer reporting agencies. You can find more information at: ******************************************************************************

We thank you for your patience and hope this
information is helpful.

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

(14629)

PREMIER Bankcard,
LLC is a registered Member Service Provider for First PREMIER Bank.
Initial Complaint
Date:03/17/2025
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.
Complaint Statement:

I recently reviewed my credit report and noticed an inaccurate and invalid account reported by First Premier Bankcard. This account is not valid , and its presence on my report as a hard inquiry and it’s a violation of the Fair Credit Reporting Act (FCRA).

Under the FCRA, all reported accounts must be accurate, verifiable, and legally collectible. This account does not meet these standards, and I am requesting its immediate removal. I have not received proper validation of this debt, and without sufficient proof, it should not be reported.

I am formally disputing this entry and requesting that it be deleted from my credit report. If the furnisher cannot verify the accuracy and legitimacy of of the account, with federal law.
Business Response
Date: 03/18/2025
RE: First
PREMIER Bank credit card account ending in ****

Dear
******,

This is
in response to your complaint in which you expressed concern with credit
reporting and requested debt validation.

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

Following a thorough review, we confirmed we are
accurately reporting the account as charged-off with a balance.

The account was opened in March 2023 after receiving an
online application. An inquiry is not removed when a valid application is
submitted; this kind of inquiry remains on a credit report for approximately
two years.

The account became delinquent and charged off in
February 2025 with a balance of $524.30, 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. If we can be of
further assistance, please call us at ************.

Sincerely,
Office of the President
Business Communications
PREMIER Bankcard, LLC
** *** ****
***** ****** ** **********
(crc)
*******
PREMIER Bankcard,
LLC is a registered Member Service Provider for First PREMIER Bank.
Initial Complaint
Date:03/17/2025
Type:Billing Issues
Status:
ResolvedMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
Please see attachments
inaccurate information on my credit report
Business Response
Date: 03/18/2025
RE: First
PREMIER Bank credit card accounts ending in **** and ****

Dear
*******

This is
in response to your complaint in which you expressed concern with credit
reporting and requested debt validation.

As the original creditor, First PREMIER Bank is not
required to provide debt validation. Statements were sent monthly until the
accounts charged off. Please review your past statements for a listing of all
charges, payments, and fees billed to the accounts.

We have no record of receiving any correspondence from
you, and our last written correspondence to you was in 2023.

Following a thorough review, we confirmed we are
accurately reporting the accounts as charged-off with a balance. We do not
report a date of last activity.

The accounts were opened in June 2021 (****) and April
2023 (****). Due to delinquency, they charged off in December 2023 with a
balance of $780.46 (****) and January 2024 with a balance of $870.66 (****),
both of which remain 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.

In your complaint you listed several items you felt
were inaccurate but did not explain why or provide supporting documentation.
Please provide a detailed letter explaining why you feel your accounts are
reporting incorrect along with your supporting documentation to the address
below.

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)

(14619)

PREMIER Bankcard,
LLC is a registered Member Service Provider for First PREMIER Bank.
Customer Answer
Date: 03/19/2025

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,

****** ******
Initial Complaint
Date:03/15/2025
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 contacted the company on the 26th of February because I made a payment and the representative told me that my balance will be $810. A few days later I go back to the app and it says to my balance is $833. I contacted customer service and ask why and I was told that I made a payment for $49.70 before all of this started my balance was $849.70 so I paid the $49.70 which would left my balance $800. All of a sudden $33 extra is added. I go back to check today to make a payment and my account is closed. I never ever authorized anyone or ask anyone to close my account. This is the second time that this company has done this. I didn't authorize this and I didn't say close my account now it's asking me do I want to reapply. Reapply for what when I never told anyone to close my account? This is ridiculous and this company needs to be investigated for closing or falsely closing people's accounts. What am I reapplying for when I never asked you to close it!! I simply asked why you are cheating me. Is it because I mentioned I will be doing a better Business bureau report because no one gave me a corporate number? That didn't authorize anyone to close my account please pull the phone call!!
Business Response
Date: 03/25/2025
*** ***** ******* **** ****** **** ******* ****** ** ****

**** *******

We apologize for your
frustrating customer service experience.

Upon receipt of your
complaint, we reviewed your conversations with Customer Service on February 26
and March 12. During the call on February
26, we could have communicated better.

On the call, the associate
explained your payment of $49.70 would be credited and your statement would cycle
that night during overnight processing, bringing your balance to $810.40. The
associate should have clarified that was the balance without including interest
charges that bill when your statement cycles. We apologize this was not made
clear.

We confirmed the fees and
interest are being charged as disclosed in your terms. Please refer to the
Account Opening Disclosures provided when you received your credit card.

When your statement cycles
each month and the new balance is not paid in full by the due date, interest charges
are billed to the account. A monthly fee of $10.40 is billed monthly on the
statement date and will continue to bill until the account is closed with a
balance of $20.00 or less. You can view these charges on your billing
statements that are provided monthly.

Your account was closed on
March 14 during a review of call recordings that were identified as possible
closure requests. When reviewing one of your calls from March 12, we made the
judgement call to close your account. The manager reviewing the call felt you
intended for the account to be closed. We
apologize that our interpretation of this call was not what you intended.

When you contacted us on
March 17, the account was reopened upon your request. We confirmed the
associate accurately explained the account can be reviewed for reopen and there
was no mention of asking you to reapply.

The account is open with a
balance of $846.88 and your next minimum payment is due April 25.

We hope this information
is helpful and addresses your concerns.

Sincerely,

Office of the President
Business Communications
P****** ********* ***
** *** ****
***** ****** ** **********
*****

*******

******* ********* *** ** * ********** ****** ******* ******** *** ***** ******* *****
Customer Answer
Date: 03/25/2025

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

I am rejecting this response because: this is not good enough because this is not true. There are a plethora of complaints with the same issue all over the internet. So it's not only me. The customer service was rude very disrespectful. And I'm not believing this balance. Also one customer service said that I specifically said if you guys can't stop lying to me I'm going to close my account. That's not saying close my account that's not instructing anyone to close my account.
The next representative said that I just told the representative close my account close my account and hung Another supervisor gave a totally different story. Another supervisor said that a supervisor cannot call me back because I have a cease and desist on my account so I requested for no one to call my number. 9:00 a.m. a supervisor had already called me back. This company's customer service is so unorganized this respectful and rude something needs to be done about it. Again if I was the only person that had this problem ignore myl complaint. This is a constant complaint all across the board that needs to be investigated. Me saying if you're going to like to me about my balance I'm going to have to close my account it's not the same as me directing or asking someone to close my account. That is malicious!! I told the caller I was going to do a better Business bureau report I told the caller I was going to do a FTC report that's what my account mysteriously end up closed. It's not right and I'm not going to stop filing a complaint all across the state.

**********

****** ****
Business Response
Date: 03/31/2025
**** *******

We recognize your frustrations.

Your concerns were previously addressed, and your account was
re-opened. Please be assured follow-up coaching was provided internally to
ensure the best Customer Service experience for our customers.
If there’s anything else we can
assist you with, please call Customer Service at 800-987-5521.
Sincerely,
****** ** *** *********
******** **************
******* ********* ***
** *** ****
***** ****** ** **********
****
*******

******* ********* *** ** * ********** ****** ******* ******** *** ***** ******* *****
Initial Complaint
Date:03/14/2025
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
To Whom it may concern,
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.
5178006791520978
Under the Fair Credit Reporting Act, 15 U.S.C. § 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please don’t respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611(a)(5)(A)(i). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.
Business Response
Date: 03/19/2025
Dear *******

This is in response to your complaint regarding credit reporting and request
for debt validation on your First PREMIER Bank credit card account ending in *****

Debt validation is only required of debt collectors. First PREMIER
Bank is the original creditor and not obligated to provide debt validation. The
account was opened in March 2019 after receiving an online application, and no
signed contract is available.

The account became delinquent in May 2019. The delinquency continued
to increase until the account charged off in September 2019 with a balance of $591.34,
which remains today.

We confirmed we are accurately reporting the account to the consumer
reporting agencies including as charged-off with a balance and disputed by
consumer. Charged-off accounts remain on the credit report approximately seven
years from the charge-off date. Accurate information is not changed or removed
early, and it’s the responsibility of the consumer reporting agencies to remove
accounts at the correct time.

If you feel there is inaccurate information reporting, please send us
a detailed explanation of what items are inaccurate to the address below.

We hope this information is helpful but if you have additional questions,
please contact Customer Service at ***** *********

Sincerely,

Office of the President
Business Communications
PREMIER
Bankcard, LLC
** *** ****
Sioux Falls, SD 57117-5114
(HLL)
(14623)

PREMIER Bankcard, LLC is a registered Member Service
Provider for First PREMIER Bank.
Initial Complaint
Date:03/14/2025
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
To Whom it may concern,

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.

FST PREMIER - **************** - $496
FST PREMIER - **************** - $1,033

Under the Fair Credit Reporting Act, 15 U.S.C. § 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please don’t respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611(a)(5)(A)(i). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.
Business Response
Date: 03/18/2025
RE: First
PREMIER Bank credit card accounts ending in **** and ****

Dear
****,

This is
in response to your complaint in which you expressed concern with credit
reporting and requested debt validation.

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

Following a thorough review, we confirmed we are
accurately reporting the accounts as charged-off with a balance.

The accounts were opened in February 2023 (****) and
March 2024 (****). Due to delinquency, they charged off in December 2024 with a
balance of $496.60 (****) and November 2024 with a balance of $1,033.13 (****),
both of which remain 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.

In your complaint, you stated the accounts were
reporting inaccurately but did not explain why. Please provide a detailed
explanation of why you feel the accounts are not correct along with supporting
documentation to the address listed below.

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
** *** ****
***** ****** ** **********
(crc)

*******

PREMIER Bankcard,
LLC is a registered Member Service Provider for First PREMIER Bank.
Initial Complaint
Date:03/13/2025
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 against First Premier Bank for failing to conduct a reasonable investigation into my credit dispute and providing an unresponsive, nonsensical reply that does not address the issue.

On February 21, 2025, I formally disputed inaccurate reporting of two accounts with First Premier Bank through Experian, as part of my rights under the Fair Credit Reporting Act (FCRA) §§ 611 and 623. The specific accounts are:
• First Premier Bank – Account Number: ************
• First Premier Bank – Account Number: ************

Despite my dispute, First Premier Bank failed to provide proper documentation verifying the accuracy of these accounts. Instead, they responded with a vague, non-substantive letter that did not address my concerns or meet federal investigation standards.

Under the FCRA, when a consumer disputes an account, both the credit bureau and the furnisher (First Premier Bank) are required to conduct a reasonable investigation. If the information cannot be verified, it must be removed from the consumer’s report. First Premier Bank’s response failed to comply with this legal obligation.
Business Response
Date: 03/18/2025
RE: First PREMIER Bank credit card accounts ending in **** and ****

Dear *****,

This is in response to your complaint requesting debt validation.

Debt validation is only required of debt collectors. First PREMIER
Bank is the original creditor and not obligated to provide debt validation;
however, it was provided to you in December 2020 for account ending in **** and
January 2021 for both accounts. Due to the methods of application, there are no
signed contracts available.

Multiple disputes were received through the consumer reporting
agencies, but no specific information was disputed. We confirmed the account is
reporting accurately, and if you feel there is inaccurate information, please
send the specific information in dispute and we will review further.

The account ending in **** was opened in October 2016 and became
delinquent in June 2019. The delinquency continued to increase until the
account charged off in October 2019 with a balance of $1,170.99, which remains
today.

The account ending in **** was opened in December 2017 and became
delinquent in December 2019. The delinquency continued to increase until the
account charged off in May 2020 with a balance of $1,139.69, which remains
today.

Charged-off accounts remain on the credit report approximately seven
years from the charge-off date. Accurate information is neither changed nor
removed early, and it’s the responsibility of the consumer reporting agencies
to remove accounts at the correct time.

If we have not addressed all your concerns, please contact Customer
Service at ************.
Sincerely,
Office of the President
Business Communications
PREMIER
Bankcard, LLC
** *** ****
***** ****** ** **********
****
*******

PREMIER Bankcard, LLC is a registered Member Service
Provider for First PREMIER Bank.
Initial Complaint
Date:03/13/2025
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.
On Sept 6, October 6th, Dec 6th 2024, Jan 30, 2025, I formally disputed inaccurate and unverified information on my credit report in accordance with the Fair Credit Reporting Act (FCRA). The following accounts contain errors and must be removed unless properly verified per federal law: 1. Fst Premier Bank Card -Account *************** (Collection/Charge-Off).
Dispute Basis & Legal Violations 1. Violation of 15 USC 1681i(c)(2) Block of information resulting from identity theft. Due to data breach. 2. Violation of 15 USC § 1681i(a)(1) – 30-Day Response Requirement Under this statute, you are required to conduct a reasonable reinvestigation of disputed items within 30 days. Failure to meet this requirement mandates the immediate deletion of the disputed accounts. 3. Violation of 15 USC § 1681i(a)(6)(B)(iii) – Failure to Provide Investigation Protocols If you claim the accounts were verified, I demand documentation of the investigation process, including the method, sources, and the name of the party who verified the information. Simply stating an item was “verified” without proof is a violation of my rights under the FCRA. 4. Violation of 15 USC § 1681i(2a)(5)(B) – Improper Reinsertion of Previously Deleted Items If any of these disputed accounts were previously removed but reinserted, you must provide written notice within five business days of reinsertion, per FCRA guidelines. If you cannot comply, the accounts must be permanently deleted. Request for Immediate Resolution If you cannot substantiate these accounts with documented, verifiable proof from the original creditor, you must promptly remove them from my credit report per FCRA § 1681i(a)(5)(A).
Business Response
Date: 03/27/2025
RE: First
PREMIER Bank credit card accounts ending in **** and ****

Dear
********

This is
in response to your complaint in which you expressed concerns with a fraudulent
account and credit reporting.

Multiple fraud claims were received through the
consumer reporting agencies, and after a thorough investigation, our Security
Department found you liable for the accounts. Our responses were provided
directly to the agency. 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

We confirmed we are accurately reporting the accounts
as disputed and charged-off with a balance. 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 March 2020 (****) and
November 2021 (****). They charged off due to delinquency in December 2024 with
balances of $515.80 (****) and $1,046.91 (****), both of which remain 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. If we can be of
further assistance, please contact Customer Service.

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

(14630)

PREMIER Bankcard,
LLC is a registered Member Service Provider for First PREMIER Bank.
Initial Complaint
Date:03/13/2025
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.
When I filed for bankruptcy Premier bank card refused to remove the account for my credit report Showing it still listed as a charged off account hindering my credit.
This company is doing this just to be spiteful towards prior clients who were in a bad situation Causing them to not only show a bankruptcy, but on top of the bankruptcy showing a charged off account making it next To impossible to correct their credit
Business Response
Date: 03/18/2025
Dear *******

This is in response to
your credit reporting concerns on your First PREMIER Bank credit card account
ending in ****.

After a thorough review,
we confirmed your account is accurately reporting as charged-off, zero balance
and included in bankruptcy.

First PREMIER Bank
prioritizes consistency and fairness for all customers. Please know we are
committed to accurate credit reporting. We are sorry you felt unfairly treated
in this situation.

The account was opened in November
2020. No payments were received, and it became delinquent in December 2020. The
delinquency continued to increase until the account charged off in May 2021
with a balance of $474.18.

We received notification
of your decision to file chapter 7 bankruptcy in August 2023, and it was
discharged in November 2023. Your account was correctly updated to reflect the
bankruptcy.

Charged-off accounts are
removed from the credit report approximately seven years from the charge-off
date. The consumer reporting agencies remove accounts at the correct time.
Accurate information is not changed or removed early.

We hope this information
is helpful in addressing your concerns. If you have additional questions,
please contact Customer Service at (800) 987-5521.

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, **** *** ****, Minneapolis, MN
55480. Toll-free: ***** ********, Fax ***** ********,TDD: ***** ********.

(14614)

PREMIER Bankcard, LLC is a registered Member Service
Provider for First PREMIER Bank.

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