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 5524 Sioux Falls, SD 57117-5524

  
• 

  PREMIER Bankcard

  PO Box 5147 Sioux Falls, SD 57117-5147

  

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:09/06/2022

  Type:Sales and Advertising 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.

  First Premier Bank issued a credit card in my name which I did NOT apply for ending in ****. When I called to ask about it, they said I had to give them my complete Social Security Card Number. When I declined and asked that they research the problem with either the last four SS numbers or my address, they declined to help.
  I talked initially with Alicia at ************** and then called a Branch Bank at ************** and talked to Tim. I cannot get them to recognize that they have issued a fraudulent card.
  

  

  Business Response

  Date: 10/04/2022

  Business Response /* (1000, 5, 2022/09/08) */
  Dear John,
  
  An online application was received in your name and address on August 14. The account was opened September 1 and the credit card was shipped to the same address listed on your complaint. Before an application is approved, we verify the identity of every new customer in accordance with the USA PATRIOT Act.
  
  We referred your fraud claim to our Security Department. Please allow up to 30 days for them to investigate and they will contact you directly.
  
  To help our investigation, we would welcome additional information, such as:
  
  Details about how you think this fraud occurred and who is responsible
  Supporting documentation, such as an affidavit (https://www.identitytheft.gov/) and/or police report - if available
  
  This information can be sent to:
  
  First PREMIER Bank
  Attn: Security
  ***********
  **************************
  
  Your cooperation and patience are appreciated.
  
  Sincerely,
  
  Office of the President
  Business Communications
  PREMIER Bankcard, LLC
  ***********
  **************************
  (**)
  
  (****)
  
  PREMIER Bankcard, LLC is a registered Member Service Provider for First PREMIER Bank.
  
  
  Consumer Response /* (3000, 7, 2022/09/09) */
  (The consumer indicated he/she DID NOT accept the response from the business.)
  The Bank states that they verified my identity. Clearly they did not; I never applied for a credit card. The real issue is that they would not look into the problem unless I gave them my complete SS# which I refused to do. Since the application was fraudulent, the SS# has nothing to do with the card application.
  
  
  Business Response /* (4000, 9, 2022/09/09) */
  Dear John,
  
  Our Security Department is currently investigating your claim. We appreciate your patience while they investigate.
  
  For additional information regarding identity fraud, please visit https://www.identitytheft.gov/Steps
  
  
  Consumer Response /* (4200, 11, 2022/09/12) */
  (The consumer indicated he/she DID NOT accept the response from the business.)
  My issue is with the process used. The Bank is saying that their Security Department is currently investigating the claim and it will take 30 days. The issue isn't in investigation, the issue is in process. Their team refused to look into a fraudulent card application without me rendering my SS#. Since I have NO BUSINESS with the bank, I refused to give them the number and that created a dead end. That makes NO SENSE.
  
  
  Business Response /* (4000, 13, 2022/09/13) */
  Dear John,
  
  When you call, we request the information we need to verify to access the account and confirm who we are speaking with.
  
  We apologize for this frustrating experience.

• Initial Complaint

  Date:09/06/2022

  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 card every month for the last 3 months. I have called and called and called many times to cancel the card and was told numerous times my card was cancelled. NOW three months in, I get more charges and have to pay more again. I want to close this account, and calling in doesn't work, they are always have "due to high volume we can't take your call now"
  

  

  Business Response

  Date: 10/04/2022

  Business Response /* (1000, 5, 2022/09/12) */
  RE: First PREMIER Bank credit card ending in ****
  
  Dear Robert,
  
  We're sorry you had trouble getting through to us and appreciate your understanding during our high call volumes. Because of an associate mistake, your account was not closed on August 1 as it should have been. Our records show this was your only previous closure request. Your payment of $****** was received on September 7.
  
  Upon receipt of your correspondence, the account was closed. The account was credited the $***** annual fee and the $***** monthly fee. As a courtesy, we also credited your account $*****. A refund check of $***** will be mailed to your address listed on the complaint.
  
  We are sorry for the inconvenience, and we hope this information is helpful.
  
  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:09/04/2022

  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 and while reviewing my credit report(s) i discovered two or more fraudulently opened accounts. While doing due diligence i contacted the Original Creditors of the accounts that are not mine as a result i have not received any assistance as to the question of how these account where opened .
  I contact Premier Bankcard on July 11, 2022 notifying them of the incident they refused to assist.
  

  

  Business Response

  Date: 10/04/2022

  Business Response /* (1000, 8, 2022/09/09) */
  RE: First PREMIER Bank credit card account ending in ****
  
  Dear Julius:
  
  You stated this account is not yours.
  
  Our Security Department recently investigated your claim of identity fraud and found you liable since the account information verified as belonging to you. To further investigate, please provide:
  
  Completed identity theft affidavit (https://www.identitytheft.gov/)
  Documentation to support your claim, such as a police report
  Details about how you think this fraud occurred and who is responsible
  Proof of address at the time the account was opened (July 2020)
  
  This information can be sent to:
  
  First PREMIER Bank
  Attn: Security
  ***********
  **************************
  
  We thank you in advance for your cooperation.
  
  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:09/04/2022

  Type:Product 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.

  It's $*** that they owe me and they're beating around the bush to give me my money back I have called my bank I've called them and nobody's doing anything about it I need somebody to make them give me my money back thank you
  

  

  Business Response

  Date: 10/04/2022

  Business Response /* (1000, 5, 2022/09/12) */
  Dear William,
  
  Your First PREMIER Bank credit card account ending in **** was closed on September 3. The account was used for $****** in purchases. The $****** security deposit was applied as a payment for these purchases. The remaining $***** was refunded to your debit card ending in **** on September 9.
  
  We hope this information is helpful and addresses your concern.
  
  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:09/02/2022

  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 attempted to close my accounts out while I was in good standing because I was effected my COVID. ************************************************************** I couldn't go to work. Without a paycheck, I couldn't pay my cards. So I wanted them closed and I would pay down the balances. They "closed" my accounts by disabling my cards yet still keep adding fees upon fees on my cards. Thus making my previous balance of $*** now up almost ********** in fees on one and $**** balance now up to $**** in miscellaneous fees. Keep in mind the monthly fee is only *** dollars and I closed my accounts in June and it's now September. How does $** dollars end up being $*** mysteriously? They are taking advantage of the cards not even being able to be used but still making money off consumers. And they refuse to reactivate the cards.
  

  

  Business Response

  Date: 10/03/2022

  Business Response /* (1000, 5, 2022/09/07) */
  RE: First PREMIER Bank credit card accounts ending in **** and ****
  
  Dear La Keshia
  
  These accounts were opened in January 2015 (****) and January 2020 (****) and were both closed in June 2022.
  
  When just one due date is missed, the delinquency does not report to the consumer reporting agencies. If we do not receive at least the minimum payment for two or more due dates in a row, an account reports as delinquent. Accurate information is not changed or removed.
  
  Your contract with us states that you agree to pay us for all charges, interest charges, purchases, and fees incurred on the account. You also agree to pay any other fees imposed by First PREMIER Bank, as explained in the contract.
  
  The monthly fee is charged for continuing the accounts under our credit program. The fee is billed monthly on the statement date. This fee is billed until your accounts are closed and the balances are $***** or less.
  
  We determined that the debt was unlikely to be collected, and the account ending in **** charged-off September 6 with a balance of $********. Even though the account charged off, you are responsible for the balance until it is paid in full or settled.
  
  As a courtesy, we refunded the $***** late fee on your account ending in ****. This account is severely delinquent with a balance of $********. The total minimum amount due is $****** by September 17.
  
  We have options available to assist cardholders when they experience financial setbacks. Please call Customer Service at ************** for more information.
  
  We hope this information is helpful.
  
  Sincerely,
  
  Office of the President
  Business Communications
  PREMIER Bankcard, LLC
  ***********
  **************************
  (**)
  
  (****)
  
  PREMIER Bankcard, LLC is a registered Member Service Provider for First PREMIER Bank.
  
  
  Consumer Response /* (3000, 7, 2022/09/07) */
  (The consumer indicated he/she DID NOT accept the response from the business.)
  I called the company several times to inform them that I was struggling to pay due to COVID and they offered me no options of assistance. The rep informed me that it "was too bad" that I couldn't pay and that the fees will keep accruing until the card is closed. Even when closed they will keep charging fees. Now they suddenly want to offer assistance after the amount is far beyond what I could pay being as though I just started a new job. I shouldn't have to take out a loan to pay for a credit card when I let them know when the balance was less than *** dollars that I couldn't afford it. Now clearly as the business stated themselves the balance is well over ****. If I couldn't afford *** what makes you think I could afford over ****? It literally makes no sense at all. Assistance should have been offered a long time ago and fees, late penalties, and whatever other random charges on my accounts should have been stopped until I could have paid the ***.
  
  
  Business Response /* (4000, 9, 2022/09/09) */
  September 9, 2022
  
  Dear Lakeshia:
  
  We recognize this situation has been frustrating and understand that hardships happen. In our review of your accounts, we found they were handled correctly and attempts were made to help.
  
  In June 2022 we spoke with you three times.
  
  1. On June 1, our associate helped with the PREMIER Credit Protection (PCP) benefits on your account ending in ****. A $***** courtesy payment was made because of your *************** claim and the $***** late fee was credited.
  
  Your account ending in **** was not enrolled in PCP and you explained you were unable to make a payment at that time.
  
  2. During the call on June 8, our associate explained that even a small payment on your account ending in **** would show that you were trying to catch up. You agreed to pay $***** by June 22, but we didn't receive this.
  
  3. When you called on June 23 both accounts were closed at your request. Our associate correctly explained that closure would not stop fees and interest from billing. They also asked if you wanted to look into our Temporary Payment Program but you declined.
  
  To help resolve your concerns, we processed additional credits on the account ending in ****: a $***** late fee and three monthly fees totaling $*****. All late fees have been credited on this account and no further adjustments are due. You can confirm these credits and your updated account information at www.mypremiercreditcard.com.
  
  Your account ending in **** charged off September 6 because we hadn't received any payments since April 1. Since this account charged off, there will be no further fees or interest charged and you will no longer receive a monthly statement.
  
  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:09/02/2022

  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 a charge on my credit report from them . I have never had a card from them and have contacted them and sent over police report and identity theft from the ftc and they are still reporting it on my credit. Please investigate this better and remove it from my report. It is fraud. Help me immediately.
  
  Adam *****
  

  

  Business Response

  Date: 10/03/2022

  Business Response /* (1000, 5, 2022/09/06) */
  RE: First PREMIER Bank credit card accounts ending in **** and ****
  
  Dear Adam:
  
  You stated these accounts do not belong to you and asked that they be removed from your credit report.
  
  Our Security Department previously investigated your claim and found you liable as the account information verified as belonging to you.
  
  You stated that you sent over a police report and identity theft report, but we have no record of receiving them. Please send them, as well as an explanation as to how account correspondence has been sent to your attention at: *********************, without your knowledge to:
  
  First PREMIER Bank
  Attn: Security
  ***********
  **************************
  
  Your cooperation is an important part of our investigation.
  
  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:08/31/2022

  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.

  First premier bank did not take their money from one of my credit cards causing get behind in my payments and charging late fees I cannot afford to pay ***************************************************. I tried to make a payment July 27th and the payment did not go through due to the customer service person only charging a $* and everytime after that the same $* instead of $** I got behind and called after they sent to their in house collection people to harass me and I could not speak to customer service anymore I said I would make a payment for August and September if they waive the late fees they agreed and I paid on 08/26/22 then I was told that they want more money $** on 09/05/22 and I will not pay any more money that I don't have. They agreed and that's it. They are ****** ********* with disreputable business practices.
  

  

  Business Response

  Date: 10/03/2022

  Business Response /* (1000, 5, 2022/08/31) */
  Dear Kimberly:
  
  Summary of account ending in ****:
  
  We did not receive a payment due by August 6, and you were billed a $***** late fee. On August 26, we received a payment of $****** which brought your account current. We have no record of you attempting to make a payment before this date. As a courtesy, we credited the $***** late fee.
  
  Summary of account ending in ****:
  
  On July 2, we received an $***** payment and on July 18 this payment was returned by your bank as insufficient funds. Since this payment was re-debited to your credit card account, your balance and minimum payment increased. On August 26, we received a payment of $****** and we issued a $***** collections credit. There remains a payment of $***** due by September 5.
  
  Your minimum payment is $** or *% of the balance, whichever is higher. A late fee is charged when the minimum payment is not received by the cutoff time on the due date.
  
  Upon receipt of your correspondence, we ceased all collection efforts.
  
  If you wish to have these accounts closed, please call Customer Service at ************. Even if the accounts are closed, you are responsible for applicable fees and interest until the account balances are paid.
  
  We hope this information is helpful.
  
  Sincerely,
  
  Office of the President
  Business Communications
  PREMIER Bankcard, LLC
  ***********
  **************************
  (**)
  
  (****)
  
  PREMIER Bankcard, LLC is a registered Member Service Provider for First PREMIER Bank.
  
  
  Consumer Response /* (3000, 7, 2022/09/01) */
  (The consumer indicated he/she DID NOT accept the response from the business.)
  Because I tried to pay before 08/05/22 and the customer service person kept trying to get a dollar instead of the $** that was due. I called my bank and they said first premier bank tried to get a dollar every time and I saw on my account as well. First premier took a payment from my other card no problem just this one. I called and told her they made a mistake and that a dollar was showing anyway I asked what can I pay for August and September to get paid up and I was told $*** and now they want $** more. No they are lying I'm paid up and they agreed. I will have to get my records from my account
  
  
  Business Response /* (4000, 10, 2022/09/01) */
  Dear Kimberly:
  
  If you review your August 9 statement, it will reflect the following:
  
  Minimum payment: $*****
  Past due amount: $******
  Amount over limit due: $******
  Total minimum amount due: $******
  
  You paid the past due amount of $******, which also brought your account below the credit limit; but you still need to pay $***** by September 5.
  
  If you have any further questions or concerns on your balance, please call Customer Service at ************.
  
  
  Consumer Response /* (2000, 13, 2022/09/01) */
  I talked to first premier bank and resolved this issue. You may close this case . Thank you for all your help.

• Initial Complaint

  Date:08/26/2022

  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 haven't been late on payment sinse I have had the card in over a year it **$ over and they lock both of my cards even making a payment and they won't unlock them till Monday and said I owe ***$
  

  

  Business Response

  Date: 09/29/2022

  Business Response /* (1000, 5, 2022/08/31) */
  RE: First PREMIER Bank credit card accounts ending in **** and ****
  
  Dear Tim:
  
  If either of your accounts are past due or over the credit limit, authorizations are prohibited on both accounts. You can find more information about this in your credit card contract under "Default Provisions". Since we did not receive a payment on your account ending in **** by August 6, authorizations were declined until a payment was received.
  
  The current balance on your account ending in **** is $****** and there is no available credit. A payment of $***** is due by September 6.
  
  The current balance on your account ending in **** is $****** and there is $****** of available credit for purchases. A payment of $***** is due by September 6. You are only allowed **% of the credit limit for a cash advance for the first 90 days. At this time, you have $**** available for cash advances which is why this card is being declined.
  
  No refund is due to you. We hope this information clarifies your concerns.
  
  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:08/26/2022

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I went to **************** . They put a refund on my credit card instead of my debit card. It's been two weeks since I sent the receipt of the transaction. They are holding my money gaining interest instead of refunded the money . One of the customers services agents had the audacity to tell me I should be upset with *********** for making the mistake and issuing the money on the wrong account.
  

  

  Business Response

  Date: 09/29/2022

  Business Response /* (1000, 5, 2022/08/30) */
  Dear Mr. ****:
  
  We are unable to locate a First PREMIER Bank credit card account in your name.
  
  If you are writing to us, on behalf of someone else's First PREMIER Bank credit card account, please have the primary cardholder send a written request giving us authorization to discuss their account with you.
  
  Our Customer Service Team can also help and can be reached 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:08/26/2022

  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.

  First of all Premier Bank Card seems to be a scam. They charged me $***** to get the card then they keep telling me a payment has not gone through and I have all these charges. I never received the card so who has been charging my card and why are you harassing me and not even leaving a message.
  

  

  Business Response

  Date: 09/29/2022

  Business Response /* (1000, 5, 2022/08/31) */
  RE: First PREMIER Bank credit card account ending in ****
  
  Dear Greta,
  
  First PREMIER Bank's objective is to provide access to credit for those who need it most. We understand our cards do not fit everyone's financial situation. Our fees are straightforward and clearly disclosed to all consumers.
  
  Upon receipt of your complaint, we processed a cease and desist. No further outbound telephone efforts will be made.
  
  This account was opened February 2022. The credit card was sent to your attention, at the above listed on your complaint. On February 25, you enrolled in e-statements with the email address of: ************************.
  
  This is our first notification of you claiming you did not receive the credit card. We referred your claim to our Security Department. Please allow up to 30 days for them to contact you directly. Upon completion of the investigation, further adjustments may be done.
  
  Thank you in advance for your patience.
  Sincerely,
  
  Office of the President
  Business Communications
  PREMIER Bankcard, LLC
  ***********
  **************************
  (**)
  
  (****)
  
  PREMIER Bankcard, LLC is a registered Member Service Provider for First PREMIER Bank.