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:08/19/2022

  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 been trying to close this account they have no record of my call. Please close account. There's only fees from them.
  

  

  Business Response

  Date: 09/20/2022

  Business Response /* (1000, 5, 2022/08/24) */
  Dear Latourous,
  
  Your First PREMIER Bank credit card account ending in **** was closed at your request when you spoke with Customer Service on August 18. We have no record of you requesting to close the account prior to this date.
  
  As a courtesy, we credited the balance to zero.
  
  We hope these adjustments are helpful and this information resolves 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:08/19/2022

  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 PREMIER has breached their fiduciary duty by disclosing negative information, not required by law, to disclose and operating in bad faith. I have never and would never consent to the disclosure of any negative information to any nonaffiliated third party. I was never provided an explanation of how this could negatively affect me or how I could opt out of the disclosure of my nonpublic personal information. Congress makes it clear that any contract or conspiracy that causes a restraint of trade and commerce is illegal. I was not provided adequate notice and I received no benefit for this transaction which constitutes unauthorized use of a credit card. The provision of the CFPA that prohibit unfair, deceptive, and abusive acts and practices in connection with the offering or provision of consumer financial products or services. FIRST PREMIER be is in breach of their fiduciary duty and has been unjustly enriched due to undue influence. Every payment made to this account was a result of threat duress and coercion. This fraudulently furnished negative information violates TILA, FCRA, GLBA, CFPA, the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act, FTC ACT and RICO Act. I hereby disaffirm any alleged agreement or contract, whether implied or explicit, between I, the consumer and FIRST PREMIER. This account is a billing error. Please provide me with documentary evidence of the obligor's indebtedness. As a federally protected consumer, who does not need to pay, the creditor cannot restrict, accelerate payment, close an account and or make or threaten any adverse reporting to any person about the consumer's credit standing without resolving the billing error. Until the requested documentation is received, this request for documentation shall be treated as a billing error and an erroneously billed amount under section 1666 of title 15.FIRST PREMIER as the creditor, may not collect any disputed amount. As a federally protected consumer, who does not need to pay.
  

  

  Business Response

  Date: 09/20/2022

  Business Response /* (1000, 7, 2022/08/25) */
  August 25, 2022
  
  RE: First PREMIER Bank credit card ending in ****
  
  Dear Taneesha:
  
  We are committed to correctly reporting account details to the consumer reporting agencies and we do not change or remove accurate information. We reviewed the account history and confirmed the information is accurate. The required credit reporting notice was provided on your first account statement.
  
  First PREMIER Bank is the original creditor and we are not required to provide verification of debt.
  
  This account was opened in April 2016 and charged off because of delinquency in February 2017. Charged-off accounts are normally removed from the credit report approximately seven years from the charge-off date. The consumer reporting agencies remove accounts at the correct time.
  
  We completed a cease and desist and no further collection efforts will be made.
  
  If you still feel there is inaccurate information on your credit report, please send the following:
  
  1. Identify the specific information in dispute
  2. Explain why you feel the information is incorrect
  3. Provide supporting documentation if available
  
  Incorrect charges can be disputed within 60 days of the statement on which they appear. Due to the time that has passed, we can no longer assist with a billing dispute.
  
  We hope this information is helpful and that you understand our commitment to fairness and accurate credit reporting.
  
  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:08/17/2022

  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 mailed a certified letter on July 31, 2022 to come to an agreement to pay and settle this debt, with also requesting to have it Deleted from my credit history and a Letter mailed for confirmation to my address. I have called several times with no resolution and ************** agents at times unwilling to assist. I requested in this certified letter to send it in writing to see if I could get some help this way to settle for the amount of cash on hand that I have ****************************************************************. My lease is ending August 31, 2022 and no one is willing to give me a lease or mortgage with this charge off on my account. I am currently paying higher than normal rent due to being a "risky renter".***************************************************************************************************************************************************************** but I am still trying to reach out, I just cannot afford what they are asking and it is not what I used at all. ************************************************************************** I have 14 days to get this off or my current landlord will not renew my lease. I have $****** right now that I can offer to settle both accounts in total- accounts ending in **** and ****. Please assist me in this matter. I need it completely deleted after I pay. I can pay today.
  

  

  Business Response

  Date: 09/19/2022

  Business Response /* (1000, 5, 2022/08/19) */
  August 19, 2022
  
  RE: First PREMIER Bank accounts ending in **** and ****
  
  Dear Krystal:
  
  We apologize you had a negative experience. While we understand hardships happen, we do not offer to remove an account from the consumer reporting agencies in exchange for payment.
  
  When we stopped receiving payments, we determined the debts were unlikely to be collected and the accounts charged off in July 2020 with balances of $******** (****) and $******** (****).
  
  Please call ************ if you'd like to discuss payment options. Once an account is settled, an update is sent to the consumer reporting agencies; however, the charge-off history remains. We know this is not the outcome you want; but hope you can understand our commitment to accurate credit reporting.
  
  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, 2022/08/19) */
  (The consumer indicated he/she DID NOT accept the response from the business.)
  I have called and I cannot get anywhere with the representatives. I have called and written this company to no avail. I am offering this amount for what I have of $******. I just want to pay and get it removed from my report**********************************************. Merchants can delete from credit history. I have read other complaints on BBB from this company and Premier Bank have honored it even with a charge off. ************************************************************************************************************************** I have tried getting help with the credit bureaus as well since late 2020. I just do not understand why you all can't help me. Times are hard and I did not use those amounts. My card swipe totals are much less and you all know that. Can you all accept my offer and settle? I have only about a week to do this. I even mailed you all a copy of my lease as proof. **************************************************************************** I could understand if I was not trying to pay at all. Re-evaluate your decision please!!!
  
  
  Business Response /* (4000, 9, 2022/08/22) */
  Dear Krystal,
  
  It would be unfair of us to delete your accounts from the consumer reporting agencies as it is important for your credit report to correctly reflect the history of your accounts.
  
  It is our responsibility to report accurate information to the consumer reporting agencies.
  
  
  Consumer Response /* (4200, 11, 2022/08/23) */
  (The consumer indicated he/she DID NOT accept the response from the business.)
  That is untrue, that is this company's choice to not delete. However, that is NOT the only thing I asked about. I included in this complaint on BBB and the mailed certified letter on July 31, 2022 that I am trying to settle and fully close both accounts with this company. As I stated I get no where with the reps on your phone lines which is why I have resulted to these measures. I am offering $****** to close both accounts. Can you accept this amount??? You all keep skipping over this part. I do not feel comfortable calling you all because of everything you all have done/said towards me over the phone in the past. I feel more comfortable having a 3rd party involved. This is not ok, I didn't even swipe the card for the amounts you are charging me and I just want to get this over with. ********************************************************************************************************************************* Again I ask Can you accept this amount of $****** as one lump payment to completely settle and close my entire account??? For Both cards (**** & ****). Can we settle and agree on $****** total??
  
  
  Business Response /* (4000, 13, 2022/08/25) */
  RE: First PREMIER Bank credit card accounts ending in **** and ****
  
  Dear Krystal:
  
  You stated that you are willing to settle these accounts for $******.
  
  We are not able to accept your offer, but we will accept a settlement payment of **% of the current balance on both accounts. Please send the following payment amounts within the next 30 days:
  
  $****** (Account ending in ****)
  $****** (Account ending in ****)
  
  When a charged-off account is settled, the updated information is sent to the consumer reporting agencies, however the accounts will still show that it was previously charged-off.
  
  Please contact us directly to make these payments at ************.
  
  We hope this addresses 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:08/16/2022

  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.

  16Aug2022:1250: Hello: First PREMIER Bank has not sent a New secure Card TOO mine address nevertheless I have previous card they sent earlier this month at this current & same address yet they said not it is not the address on file moreover Carol said the card should of reach my current address on the 18th yet now information has just change for now I have TOO fill out a form for some type of address change verification after securing over an $****** for an card last month.
  

  

  Business Response

  Date: 09/16/2022

  Business Response /* (1000, 5, 2022/08/18) */
  Dear Arthur,
  
  An online application was received on July 19 with the address of ***************, ********************. An unsecured credit card account ending in **** was approved and a credit card was mailed to you at that address.
  
  When you spoke with us on August 17 you stated you had not received the credit card and explained you lived at a different address. A lost report was completed and a new account number ending in **** was established. The address was updated to ***********************, ********************.
  
  To protect you and your account, we requested verification of your updated address. Please send one of the following items:
  
  A recent telephone or utility bill
  A recent billing statement from another creditor
  Your recent paystub or a signed and dated letter from your employer on company letterhead
  A signed and dated letter from the post office on their letterhead
  A recent bank statement
  Military personnel may use a Leave and Earnings Statement (LES)
  Your driver's license with a current expiration date
  Introductory loan letter
  
  This information can be uploaded online at www.mypremierbankcard.com or uploaded on our mobile app.
  
  We apologize for this frustrating experience but please know we take the security of your account very seriously and hope you can understand our position.
  
  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:08/16/2022

  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.

  Some how First Premier Bank has my bank account info and charged me ***** Fee for a credit card I dont have
  I have disputed this with my bank
  The only info i got from my bank is First Premier Bank ************ The person or employee for Premier is
  Jason *****.
  

  

  Business Response

  Date: 09/19/2022

  Business Response /* (1000, 5, 2022/08/18) */
  Dear Dina,
  
  Thank you for reaching out to us. We are sorry this happened to you.
  
  If you have not done so already, please contact your bank immediately and report this as fraudulent to reverse the $***** payment. This is the best option to resolve the situation.
  
  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:08/16/2022

  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.

  On July 8th 2022 I sent First Premier Bank a Cease and Desist letter (certified mail) informing them that I refuse to pay an alleged debt Pursuant to 15 USC 1692c(c). In my Cease and Desist letter I requested First Premier send specific documents to support their claim. In correspondence to my letter First Premier sent me a letter back on July 14th 2022 stating that my request does not satisfy the minimum requirements for a valid request and that they do not have to comply with my request because they are the "Original Creditor". I never received the requested information to verify if said debt belongs to me. On July 28th 2022 I sent First Premier a Debt Validation Letter Pursuant to 15 USC 1692g. In my request I also asked First Premier to send me the Audit Trail (A FILE, A LEDGER, TRANSACTIONAL HISTORY, ALL ACCOUNTING DOCUMENTS) and the original application for this consumer credit transaction. Along with what congress states should be sent to a consumer Pursuant to 15 USC 1692g(a)(1)-(5). I received a letter in correspondence to my request from First Premier on August 16th 2022 which is the exact same letter from July 14th 2022. I did not receive any of the request information needed to verify if this alleged debt belongs to me. First Premier is not complying with the law and is choosing to violate my rights as a federally protected consumer. I even went as far as calling and speaking to a rep that told me its my debt an I owe it which is also a direct violation of 15 USC 1692b(2). The conversation is recorded with both parties consent. I've have made several attempts to remind First Premier of their duty Pursuant to 15 USC 1692g and it appears they are intentionally and willfully being neglectful in readying my affairs.
  

  

  Business Response

  Date: 09/16/2022

  Business Response /* (1000, 8, 2022/08/24) */
  August 24, 2022
  
  Dear Jamie:
  
  We responded to your concerns through the Federal Reserve Bank of Minneapolis on
  August 22. Below is a recap of the letter we sent to you in the mail.
  
  All collection efforts were stopped on July 14, 2022.
  
  We are the original creditor and not required to provide validation of debt. The application was submitted online, and there is no signed contract available. Although we are not obligated to provide validation of debt, as a courtesy, we are providing the following information in response to your request:
  
  Terms and conditions sent with the credit card (sent in mail)
  Statement copies (sent in mail)
  Application details:
  o Date: 08/04/2017
  o Source: Online
  o Name: Jamie *********
  o Address: ************************
  o Telephone Number: **************
  o Email address: *****************
  
  When we stopped receiving payments, we determined the debt was unlikely to be collected so it charged off in June 2021 with a balance of $******. Charged-off accounts are normally removed from the credit report approximately seven years from the charge-off date. The consumer reporting agencies are responsible to remove accounts at the correct time.
  
  We know this is not the outcome you want; but hope you can understand our commitment to accurate credit reporting.
  
  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:08/15/2022

  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 of $*** as of June 2018 that shows on my credit report that I cannot get verified by them. I filed a complaint with CFPB just to get the runaround. When I asked for verification they never followed up with me and instead dismissed me saying it was my account with no proof. This charge being on my credit account is affecting my ability to apply for a place to live but no one from this company is helping me get this resolved and removed off of my credit charge history.
  

  

  Business Response

  Date: 09/19/2022

  Business Response /* (1000, 5, 2022/08/19) */
  August 19, 2022
  
  Dear Stephenie:
  
  First PREMIER Bank is the original creditor and not required to provide verification of debt.
  
  Your account was opened in March 2018. We didn't receive payments and determined the debt was unlikely to be collected. So, the account charged off in June 2018 with balance of $******. Charged-off accounts normally remain on the credit report for approximately seven years from the date of charge-off.
  
  Accurate information is not changed or removed from a credit report.
  
  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:08/13/2022

  Type:Customer Service 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 used premiere bank card for years I love the fact they don't hold your past against you they are truly a credit card company that gives you second and third chances and I appreciate and love that because most credit card companies will deny you because of your credit score and history premiere is such a good company that after a year of payment they offer a second card if you qualify which I did I put premiere protection on both cards for security purposes last year 2021 June 27-28 ************************************************************************************************** I contacted first premiere they made ONE Payment I was out of work for two months and struggled paying the bill I wad not assisted with other payments then had a huge issues with unauthorized charges that just now got resolved after multiple complaints and calls which I feel I was missing money I still believe I am missing money due to the dispute charges payments and the credits that were given I am asking for this to be investigated on July 9-10,2022 I was invited to apply for a second card I was approved which I was happy about I added premiere protection on that account as well I was assured it was active and added I am a active person and I work in ********* so premiere protection is for security reasons ************************************************************************************************************************************************************************************************************************************************ for missed hours I took my paycheck and paid the card down as much as I could but because my phone bill was due and I needed food i used the money I called first premiere on August 13,2022 to make a claim only to be told the protection wad removed I was not aware and highly upset I feel like it was removed and I was not informed because they purposely wanted to remove the security of protection from the second account
  

  

  Business Response

  Date: 09/16/2022

  Business Response /* (1000, 5, 2022/08/18) */
  Dear Colby,
  
  You stated you feel you are missing money on your account from unauthorized use on your First PREMIER Bank credit card account ending in ****.
  
  We previously investigated three fraudulent charge claims. Below is a brief summary of each:
  
  March 2021 disputed charges with ************* totaling $***** and found not liable
  October 2021 disputed charges with ******************** totaling $****** and found not liable
  December 2021 disputed charges with ********* totaling $****** and found liable for $****** The remaining amount was credited to your account.
  
  If you have additional charges to dispute, please provide us a detailed letter including the name of the merchant, date of the charge, and amount of the charge. This information can be sent to:
  
  First PREMIER Bank
  Attn: Security Department
  ***********
  *********************
  
  We need the completed PREMIER Credit Protection (PCP) Benefit Activation form and verification of your involuntary unemployment, to continue your PCP benefits.
  
  Your account ending in **** was opened on July 10 and was not enrolled in PCP until we spoke with you on August 16. As explained in the PCP contract, the enrollment period requires you to be enrolled in PCP for 30 days before a protected event may be activated.
  
  We hope this information is helpful and resolves 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:08/12/2022

  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 been with premier credit card over ** years. I have two credit card with them. The both cards are paid every month. One of the cards **************** was closed. They said it was due to inactivity.I moved and I get mail for both cards and fees are taken off on both cards. The card was expired and I never received the new one. I never got any correspondence from them about inactivity on the card. Every month they still take of fees and what is owed is $******.
  They said I have to reapply for a new card. I'm very disappointed with this company.
  I need to know if they followed protocol and if what they did is common business practice.
  

  

  Business Response

  Date: 09/16/2022

  Business Response /* (1000, 5, 2022/08/16) */
  *********** **************************
  www.mypremiercreditcard.com
  Dear Natasha:
  
  On January 31, 2022, your First PREMIER Bank account ending in **** was automatically closed because the credit card expired and there wasn't a valid address on the account. We were unable to send a letter or a credit card. It's your responsibility to provide a current and correct address. Due to the time that has passed, we are unable to reopen this account.
  
  Even though the account is closed, you are still responsible for monthly payments. Applicable fees and interest charges will continue to accrue. As a courtesy, we credited the balance to zero. We hope this adjustment is helpful.
  
  Sincerely,
  
  Office of the President
  Business Communications
  PREMIER Bankcard, LLC
  (**)
  (****)
  
  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 Reserve Bank of Minneapolis. You may contact them at: Federal Reserve Consumer Help, P.O. Box 1200, Minneapolis, MN 55480. Toll-free: (888) 851-1920, Fax: (877) 888-2520, TDD: (877) 766-8533
  
  PREMIER Bankcard, LLC is a registered Member Service Provider for First PREMIER Bank.

• Initial Complaint

  Date:08/12/2022

  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.

  They have reported me to the credit bureau and caused my score to go down *** points. I have 100% on time payments and work hard to be responsible. They have ruined my credit for their negligence. I moved and called them to update my mailing address, I never received a statement or invoice. They have an annual fee but I never got the bill so they say I owe $*** that part is fine, but I never got the bills and they have ruined my credit. If you look at my credit report they have caused this decrease. It is awful.
  

  

  Business Response

  Date: 09/16/2022

  Business Response /* (1000, 5, 2022/08/16) */
  August 16, 2022
  
  RE: First PREMIER Bank credit card ending in ****
  
  Dear Michelle:
  
  In our review we confirmed this account was closed at your request on August 1 and collection efforts stopped.
  
  As a courtesy, we reduced the balance to zero and removed the late payments that occurred after March 2022. Please allow approximately 45 days for the information to update with the consumer reporting agencies.
  
  We found the balance of $****** consisted entirely of fees and interest except for one $**** ********* charge from March 2022. We also confirmed that statements were not mailed after February 2022 because of returned mail. We attempted to reach you by phone about the account, but our calls were not answered or returned.
  
  We hope this response resolves your concerns.
  
  Sincerely,
  
  Office of the President
  Business Communications
  PREMIER Bankcard, LLC
  ***********
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  (***)
  
  (****)
  
  PREMIER Bankcard, LLC is a registered Member Service Provider for First PREMIER Bank.
  
  
  Consumer Response /* (2000, 7, 2022/08/17) */
  (The consumer indicated he/she ACCEPTED the response from the business.)