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.
- 196 complaints closed in the last 12 months.
If you've experienced an issue
Submit a ComplaintThe 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:08/09/2022
Type: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.
in accordance with the fair credit Reporting act convergent account #517800 has violated my rights.
15 U.S.C 1681 section 602 A. states i have the right to privacy.
15 U.S.C 1681 section 604 A section 2: it also states a consumer reporting agency cannot furnish a account without my written instructions
15 U.S.C 1666B A creditor may not treat a payment on a credit card account under an open and consumer credit plan as a late for any purpose
Business Response
Date: 09/13/2022
Business Response /* (1000, 8, 2022/08/16) */
August 16, 2022
RE: First PREMIER Bank credit card ending in ****
Dear Jose:
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.
This account was opened in June 2015 and charged off because of delinquency in April 2018. You recently made a settlement payment on this account. Please allow approximately 45 days for new information to update with the consumer reporting agencies.
We hope that you find this information helpful and understand our commitment to accuracy and fairness.
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, 10, 2022/08/17) */
(The consumer indicated he/she DID NOT accept the response from the business.)
the account is hurting my credit I need to remove from my credit report this account is paid for
Business Response /* (4000, 12, 2022/08/17) */
Dear Jose,
Charged-off accounts are normally removed from the credit report approximately seven years after the charge-off date, even if they have been settled.
We know this is not the outcome you want but hope you can understand our commitment to accurate credit reporting.
Consumer Response /* (4200, 14, 2022/08/17) */
(The consumer indicated he/she DID NOT accept the response from the business.)
i want the account to be remove from my credit report
because this account is pay in full
Business Response /* (4000, 16, 2022/08/18) */
Dear Jose,
It would be unfair of us to delete your account from the consumer reporting agencies as it is important for your credit report to correctly reflect the history of your account.
The account will continue to report until the credit reporting timeframe is up, approximately seven years from the charge off date.
Consumer Response /* (4200, 18, 2022/08/18) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I do not care how unfair you think it is I want this removed from my credit report thank youInitial Complaint
Date:08/07/2022
Type: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 has ignored my requests the the account number ending in **** was opened in a result of identity theft. This is not my account I made no charges on this account and it needs removed from my credit report and all obligation to this account.Business Response
Date: 09/13/2022
Business Response /* (1000, 5, 2022/08/09) */
RE: First PREMIER Bank credit card account ending in ****
Dear Brittany:
Our Security Team previously investigated your claim of identity fraud and found you liable as the account information verified as belonging to you.
We can further investigate if you provide additional information, such as the following:
Completed identity theft affidavit (https://www.identitytheft.gov/)
Details about how you think this fraud occurred and who is responsible
Supporting documentation, such as a police report - if available
Proof of your address at the time the account was opened (April 2021)
Explanation for how the credit card was sent to your attention at the address listed on the BBB complaint without your knowledge
Listing of all individuals that have access to your email address: ************************, which was the same email address provided when the account was applied for and used to enroll in e-statements in April 2021
This information can be sent 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:08/05/2022
Type: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 checked my credit report and noticed I had late payments from FIRST PREMIER BANK. At the time, I was transitioning between jobs and going through an economic hardship. As you can see, I have made most of my payments on time so I am asking in goodwill faith for this one time to please remove these late payments from my account. I am trying to increase my score to qualify for a mortgage and I would greatly appreciate if you guys would forgive the late payments.Business Response
Date: 09/13/2022
Business Response /* (1000, 5, 2022/08/09) */
RE: First PREMIER Bank Credit Card Account ending in ****
Dear Alysha:
If we do not receive at least the minimum payment for two or more due dates in a row, an account reports as delinquent.
We do not remove accurate information from a credit report in goodwill. It is important for your credit report to correctly reflect the history of this account. This ensures fairness in the credit reporting system.
Your account is severely delinquent. The total minimum amount due is $****** by August 18.
There are options available to assist cardholders when they experience financial setbacks. Please call ************ for more information.
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:08/05/2022
Type: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.
I have send multiple credit letter to this company asking them to verify a debt that has been reporting on my credit for a long time. I filed disputes and no one validated or verifies any information. I deserve a proper investigation as this debt is affecting my credit and has been for a long time now.Business Response
Date: 09/09/2022
Business Response /* (1000, 5, 2022/08/09) */
RE: First PREMIER Bank Credit Card account ending in ****
Dear Jasmine,
You stated that you asked for validation and deserve a proper investigation regarding how your account is reporting to the consumer reporting agencies.
First PREMIER Bank is the original creditor, and we are not required to provide verification of debt. The application was submitted by phone, and there is no signed contract available.
We received several disputes through the consumer reporting agencies regarding the reporting of the account and fraudulent application claims. Our responses were sent directly to them.
This account was opened in March 2014 and charged off in April 2016. Due to the time that has passed, First PREMIER Bank is requesting that the account be deleted by the consumer reporting agencies. Please allow up to 45 days for the update.
We hope this letter 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.
Consumer Response /* (2000, 7, 2022/08/15) */
(The consumer indicated he/she ACCEPTED the response from the business.)
Thank you. I look forward to seeing this fraudulent account being deleted from my credit. Thanks for taking the time out to investigate.
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