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:03/12/2025

  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 - **************** - $497.00
  
  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: 03/17/2025

  RE: First PREMIER Bank credit card account ending in ****
  
  Dear Rebecca,
  
  This is in response to your complaint regarding credit reporting and requesting
  debt validation. Your complaint includes First PREMIER Bank and **** *******,
  and we are addressing only your account with us.
  
  Debt validation is only required of debt collectors. First PREMIER
  Bank is the original creditor and not obligated to provide debt validation.
  
  This account was opened in October 2019 and became delinquent in June
  2020. The delinquency continued to increase until the account charged off in November
  2020 with a balance of $497.42, 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. Charged-off
  accounts remain on the credit report approximately seven years from the
  charge-off date. If you feel there is inaccurate information reporting, please
  send us a detailed explanation of what items are inaccurate.
  
  If we have not addressed all your concerns, please contact Customer
  Service at ************.
  Sincerely, 
  Office of the President
  Business Communications
  PREMIER
  Bankcard, LLC                                                                                     
  ** *** ****
  ***** ****** ** **********
  (AE)
  *******
  
  PREMIER Bankcard, LLC is a registered Member Service
  Provider for First PREMIER Bank.

• Initial Complaint

  Date:03/12/2025

  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 currently have 2 credit cards with First Premier and for the past 2 months I have had problems trying to pay on the balances that I owe. I have contacted this credit card company about this issue. They say that you have to pay over the phone using your debit card if you don't want the payment to take over 2 weeks to post. 2-1-2025, I tried to make my payment on both cards over the phone (called at 9:41 am and on phone for about 14 mins) and there system appeared to take the payments. I got email/text confirmation from my bank that I had made the payments. But shortly after, I received an email/text from First Premier that the payments were declined. I called my bank at 9:57 am (on phone for about 7 mins) to see why it was declined because there was money to cover the payment. My bank informed me that they didn't decline the transaction, it was something on the credit cards side. I called First Premier again at 10:19 am (on phone for about 23 mins) with an agent who assured me they would correct it. I verified the card numbers, security codes, billing address, phone number, email address, and name with the agent. We even called and had my bank on the phone to try and resolve the issue. Everything was correct. The agent asked me to wait one hour and try again. I called back at 11:36 am (on phone for about 15 mins) and the same thing happened. I called 4 more times (11:51 am, 3:13 am, 3:26 am, and 11:04 pm) and spoke with agents at First Premier & no one could figure out what was going on. Finally I called and paid with my credit card and the payment went through (even though they are not supposed to allow a payment from a credit card). I had to pay a fee on the credit card I used to make the payment. My payment for each card for March was rejected again by First Premier and therefore I have been unable to make my payments for March because I can't afford to keep paying fees. Also for Feb & March I have been charged a $28.00 late fee when this is not my fault.

  

  Business Response

  Date: 03/14/2025

  RE: First PREMIER Bank credit card accounts ending in **** and ****
  
  Dear ********
  
  This is in response to your complaint regarding payments.
  
  We apologize for your frustration and negative customer service
  experience.
  
  After reviewing several phone calls with our associates, we confirmed
  there was an issue with the address, which got updated on our records. This may
  have been causing the declines with the debit card ending in *****
  
  We normally do not accept payments from a credit card.
  
  When a payment is made with a checking account it is credited to the
  account as of the date received to prevent fees and additional interest;
  however, you may not have immediate access to the available credit. A payment
  hold is placed on the payment to allow time for it to clear your bank. There
  are several options available to avoid a payment hold.
  
  We closed your accounts as
  requested on March 14, 2025. We credited the $28.00 late fee on the account
  ending in **** and $48.00 in monthly fees on the account ending in ****. We
  hope these adjustments are helpful. 
  
  Please feel free to call Customer Service at 800-987-5521 with any
  more questions.
  Sincerely, 
  Office of the President
  Business Communications
  PREMIER
  Bankcard, LLC                                                                                     
  ** *** ****
  Sioux Falls, SD 57117-5114
  (AE)
  (14579)
  
  PREMIER Bankcard, LLC is a registered Member Service
  Provider for First PREMIER Bank.

• Initial Complaint

  Date:03/11/2025

  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 not liable for this debt with FST PREMIE. I do not have a contract with (Collection Company). This account was opened without my authorization and constitutes fraudulent activity. The company has failed to provide any signed agreement or documentation proving that I consented to the opening of this account. Without a valid, legally binding contract bearing my signature, there is no legitimate basis for this account to exist under my name. Therefore, I dispute its validity and request its immediate removal from my records.

  

  Business Response

  Date: 03/12/2025

  RE: First PREMIER Bank credit card accounts ending in **** and ****
  
  Dear *******
  
  This is in response to your complaint requesting debt validation and
  claiming identity theft.
  
  First PREMIER Bank is an original creditor and not obligated to
  provide debt validation.
  
  We forwarded your claim of fraud to Security. They will investigate
  and contact you directly within thirty days.
  
  The account ending in **** was opened in November 2018. Please be
  assured a verification process is followed on each application we receive. Due to
  the time that has passed, no signed contract is available.
  
  The account became delinquent in September 2019, and the delinquency
  continued to increase until it charged off in February 2020 with a balance of
  $643.73.
  
  When we spoke to you in October 2021, you accepted an offer to transfer
  $625.00 of the balance to a new account ending in ****. This account became
  delinquent in December 2022, and the delinquency continued to increase until it
  charged off in May 2023 with a balance of $872.08, which remains today. 
  
  Charged-off accounts are normally removed from a credit report
  approximately seven years after the charge off date. Upon completion of the
  security investigation, the accounts will be reviewed for possible credit
  reporting adjustments.
  
  Thanks for our patience while we investigate. If you have questions,
  please contact Customer Service at ************.
  Sincerely, 
  Office of the President
  Business Communications
  PREMIER
  Bankcard, LLC                                                                                     
  ** *** ****
  Sioux Falls, SD 57117-5114
  (AE)
  (14565)
  
  PREMIER Bankcard, LLC is a registered Member Service
  Provider for First PREMIER Bank.

• Initial Complaint

  Date:03/10/2025

  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 not liable for this debt with ********* ********** ***** I do not have a contract with * *** ************ ******* They did not provide me with the original contract as I requested.

  

  Business Response

  Date: 03/11/2025

  Dear ******
  
  Additional information is needed to
  help us confirm the First PREMIER Bank account you are contacting us about.
  Please provide us with two or more items from the following list:
  
  - First 12 or last four digits of
  the First PREMIER Bank credit card account number
  - Last four digits of your Social
  Security number
  - First PREMIER Bank Reference
  #/Account ID
  - Copy of the First PREMIER Bank
  tradeline from your credit report
  
  Upon receipt of this helpful
  information, we will review and respond accordingly.
  
  Sincerely, 
  
  Office of the President
  Business Communications
  PREMIER Bankcard, LLC                                                                                     
  ** *** ****
  Sioux Falls, SD 57117-5114
  (crc)
  
  (14569)
  
  PREMIER Bankcard,
  LLC is a registered Member Service Provider for First PREMIER Bank.

• Initial Complaint

  Date:03/10/2025

  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.

  This company is falsely adding to my credit account against the federal law. Fair credit reporting act states: The Fair Credit Reporting Act (FCRA) is a federal law that protects the accuracy and privacy of consumer information. It also ensures that consumer reporting agencies (CRAs) operate fairly and equitably.
  What does the FCRA do?
  Requires CRAs to have reasonable procedures for collecting and using consumer information
  Prevents CRAs from sharing information with anyone who doesn't have a specific purpose
  Requires users of consumer information to notify consumers if they take adverse action based on the information
  Allows active duty military to place "active duty alerts" on their credit reports
  
  The company is posting events that are over 7 years old on closed accounts to harm my credit score and after 7 years its wiped clean the account with them is long past 7 years 2014 and account closed they reopen illegally and repost it in 2025 to have a adverse effect on my score and that is a federal violation of law. No way to do good business

  

  Business Response

  Date: 03/11/2025

  Dear ******
  
  Additional information is needed to
  help us confirm the First PREMIER Bank account you are contacting us about.
  Please provide us with two or more items from the following list:
  
  - First 12 or last four digits of
  the First PREMIER Bank credit card account number
  - Last four digits of your Social
  Security number
  - First PREMIER Bank Reference
  #/Account ID
  - Copy of the First PREMIER Bank
  tradeline from your credit report
  
  Upon receipt of this helpful
  information, we will review and respond accordingly.
  
  Sincerely, 
  
  Office of the President
  Business Communications
  PREMIER Bankcard, LLC                                                                                     
  ** *** ****
  Sioux Falls, SD 57117-5114
  (crc)
  
  (14568)
  
  PREMIER Bankcard,
  LLC is a registered Member Service Provider for First PREMIER Bank.

  

  Business Response

  Date: 03/17/2025

  Dear ******
  
  Thank you for providing
  additional information to locate your First PREMIER Bank credit card accounts
  ending in **** and ****.
  
  Our current privacy notice
  is available at mypremiercreditcard.com. The Gramm-Leach-Bliley Act
  specifically allows for reporting information to the consumer reporting
  agencies in accordance with the Fair Credit Reporting Act (FCRA). 
  
  We are committed to
  accurate credit reporting to ensure fairness in the credit reporting system.
  Below is a summary of your accounts:
  
  The account ending in ****
  was opened in August 2015 and charged off due to delinquency in December 2015
  with a balance of $665.02, which remains today. We confirmed this account is no
  longer appearing on your credit reports. Please be sure you are viewing the
  most current copy. If you have a current report showing this account, please
  forward it to us at the address below for further review.
  
  The account ending in ****
  was opened in October 2020, became delinquent in November 2020, and the balance
  and delinquency continued to increase until the account charged off in April
  2021 with a balance of $476.10, which remains today.
  
  When an account charges
  off, it continues to report each month, including as charged off in the monthly
  payment history. The consumer reporting agencies are responsible for removing
  accounts at the correct time, approximately seven years from the charge-off
  date. We do not remove accurate information early.
  
  In your complaint, you
  reference alerts for active-duty military. Please contact the consumer
  reporting agencies directly regarding alerts.
  
  If you would like us to
  review your accounts to see if you qualify for Servicemembers Civil Relief Act
  (SCRA) benefits, please send us a copy of your federal military orders that
  show your active duty beginning and ending dates. You can mail this information
  to:
  
  First PREMIER Bank
  Attn: Correspondence
  ** *** ****
  Sioux Falls, SD 57117
  
  We hope this information
  is helpful in addressing your concerns. 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)
  
  (14586)
  
  PREMIER Bankcard, LLC is a registered Member Service
  Provider for First PREMIER Bank.

  Customer Answer

  Date: 03/18/2025

  
  
  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:03/10/2025

  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.
  
  FIRST PREMIER BANK - **************** - $1,126
  
  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: 03/12/2025

  Dear
  ********
  
  This is
  in response to concerns relevant to the First PREMIER Bank credit card account
  ending in *****
  
  As the original creditor, First PREMIER Bank is not
  required to provide debt validation. The application was received online, and
  no signed contract is available. Statements were sent monthly until the account
  charged off; please refer to your past billing statements for a listing of all
  payments, charges, and fees.
  
  Following a thorough review, we confirmed we are
  accurately reporting the account as disputed by consumer and charged-off with a
  balance. Your complaint did not explain what information you felt was reporting
  inaccurately. Please identify the specific information you are disputing and
  provide supporting documentation to the address above.
  
  The account was opened in May 2018 and charged off due
  to delinquency in August 2018 with a balance of $1,126.77, 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.
  
  Your other account ending in **** is closed with a zero
  balance.
  
  We hope this information is helpful.
  
  Sincerely, 
  Office of the President
  Business Communications
  PREMIER Bankcard, LLC                                                                                     
  ** *** ****
  Sioux Falls, SD 57117-5114
  (crc)
  
  (14566)
  
  PREMIER Bankcard,
  LLC is a registered Member Service Provider for First PREMIER Bank.

• Initial Complaint

  Date:03/07/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am disputing an invalid account reported by
  *Premier Bankcard* on my credit report. This account is inaccurate, unverified, and violates the Fair Credit Reporting Act (FCRA). Since it does not meet the legal standards for reporting, I request its immediate removal. If the furnisher cannot provide proper validation, it must be deleted per federal law.

  

  Business Response

  Date: 03/11/2025

  Dear
  *******
  
  Additional
  information is needed to help us confirm the First PREMIER Bank account you are
  contacting us about. Please provide us with two or more items from the
  following list:
  
  - First 12 or last four digits of the First PREMIER Bank credit card
  account number
  - Last four digits of your Social Security number
  - First PREMIER Bank Reference #/Account ID
  - Copy of the First PREMIER Bank tradeline from your credit report
  
  Upon
  receipt of this helpful information, we will review and respond accordingly.
  
  Sincerely, 
  
  Office
  of the President
  Business
  Communications
  PREMIER
  Bankcard, LLC                                                                                     
  ** *** ****
  Sioux
  Falls, SD 57117-5114
  (crc)
  
  (14540)
  
  PREMIER Bankcard, LLC is a registered Member Service
  Provider for First PREMIER Bank.

• Initial Complaint

  Date:03/07/2025

  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 ************ $696 02/13/2015
  
  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

  March 19, 2025
  
  RE: First PREMIER Bank
  credit card ending in **** *** ****
  
  Dear *******
  
  As the original creditor,
  First PREMIER Bank is not required to provide debt validation. Please
  refer to your past billing statements to review the payments, charges, and fees
  on the account.
  
  We reviewed our records and
  confirmed your account has been accurately reported to the consumer reporting
  agencies, including these details: The account was opened in July 2016 and the
  last payment was received May 2018, after which time the account became past
  due which led to it charging off in October 2018 with a balance of $1,064.01. Two
  payments totaling $1,064.01 were received in July 2019, paying the account in
  full.
  
  Charged-off accounts are
  removed from the credit report approximately seven years from the charge-off
  date, which will be in 2025.
  
  We recently investigated
  your claim of identity theft and found you liable for the account.
  
  If you have any further
  information to support your id theft claim or your statement that there are
  inaccurate items on your credit report, please send specific details for us to
  review.
  
  Office of the President
  Business Communications
  PREMIER
  Bankcard, LLC                                                                                     
  ** *** ****
  Sioux Falls, SD 57117-5114
  (lmn)
  
  (14539)
  
  PREMIER Bankcard, LLC is a registered Member Service
  Provider for First PREMIER Bank.

• Initial Complaint

  Date:03/06/2025

  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 opened a secured credit card account with premier, made the necessary deposits and utilized credit card. I made A payment. I then discovered my identity had been stolen, bank accounts all negative, various items purchased, deposits adversely affected. My son was about 3 1/2 years old at the time.
  I COULD NOT make further payment, but because Premier is a Prepaid card, the account shouldnt accrue late charges beyound "credited" amount. Account should NOT be SOLD to collections. Yes we have an agreement, but Premier has no ACTUAL damages and should not claim so. $125 in fees and a security deposit , only deposit is accessible. I can only spend as much as i deposit. A mark on my credit, okay, although it should carry less weight because , again, there are no actual damages. My deposit covered my purchases. If Premier has an in-house collections dept - okay. But not true accord or any other. Premier cannot sell my account , as if to be recompensed, made whole. There is no mention of outside debt collections.

  

  Business Response

  Date: 03/20/2025

  RE: First PREMIER Bank credit card account ending in ****
  
  Dear ******
  
  This is in response to your concerns with fees and credit reporting.
  
  The unsecured credit card account ending in **** was opened in
  December 2022 with a limit of $200.00. This is not a secured account and did
  not require a security deposit to open. You were required to pay a $95.00
  program fee prior to opening, and a $50.00 annual fee was billed to the first
  account statement.
  
  You claim your identity was stolen, and if you are claiming there was
  fraudulent activity on your account, please explain in detail and we will be
  happy to review further.
  
  The account became delinquent in February 2023 with a balance of
  $232.51, and the balance and delinquency continued to increase until the
  account charged off in July 2023 with a balance of $357.04, which remains
  today.
  
  Sometimes we assign charged-off accounts to collection agencies for
  servicing, but First PREMIER Bank remains the owner and is responsible for
  credit reporting. The account is currently being serviced by True Accord.
  
  Charged-off accounts remain on the credit report approximately seven
  years from the charge-off date.
  
  If you have more questions or would like calls to cease regarding your
  account, please let us know or reach out to Customer Service at *************
  Sincerely, 
  Office of the President
  Business Communications
  PREMIER
  Bankcard, LLC                                                                                     
  ** *** ****
  Sioux Falls, SD 57117-5114
  (AE)
  (14604)
  
  PREMIER Bankcard, LLC is a registered Member Service
  Provider for First PREMIER Bank.

• Initial Complaint

  Date:03/06/2025

  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 opened a secured credit card last year with a $200 opening security deposit. On 02/28, I called to see if my payment was received and available foruse since I was in need of a very unique guitar amp for a local Child Abuse Charity.The woman said they go ahead and release the payment was available for use. I went to ****** ****** and the purchase was approved. Then I awoke Staurday morning with blood running down my legs and tried to order a rideshare (since I cannot drive due to disablilty) The rideshare payment wsa declined So I walked 2.5 miles to the nearest emergency room. (see attached) I had suffered a panic attack which caused the rash and when I got home I started what turned out to be a six daycircle between Premier (who did nothing to assist) ***** (comlaint filed) & ****** (complait filed) since premier hs similar hours as a retail store I could not even find out what happened. It turned out that the payment THEY approved, was returned for insufficient funds. So I began another circie between these 3 companies who are just a mess. Today I saw that the payment was ok now, but I had no credit available. So I called Premier and they said I had to pay another $60 despite making an $88+ payment on 02/28 I then asked to speak to someone about the possibility of just closing my account. She repeated 4 times something to the effect of "You just paid your annual fee (which I did not know about - probably in the fine print i can't read) and she added "this will help build my credit" I told her that at age 61 & disabled I won't live long - enought to rebuild my bad credit - she repeeated the "Annual Fee/Build Credit" thing about 4 more times till I had another call come in and said I would call right back. I called back in abut 5 minutes to find she had closed my account permanently. I then spoke to a supervsior who had so many different reasons, my head was spinning. The issue is again companies holdih my monet. At this point, I just want whatever is keft

  

  Business Response

  Date: 03/12/2025

  Dear ******
  
  This is
  in response to your complaint where you expressed various concerns with the
  First PREMIER Bank credit card account ending in *****
  
  We
  apologize for your negative customer service experience.
  
  The account was opened in May 2024, and the $50.00
  Annual Fee was billed directly to the account to allow you to pay it off over time.
  This fee was disclosed to you at the time of application and on the card
  carrier that came with your card.
  
  We reviewed all calls on your account since February 26,
  and confirmed you were provided accurate information regarding your returned
  payment and the closure of your account was correctly processed.
  
  On February 27, you called to inquire on the status of
  your $88.87 autodraft payment that you had entered online on February 26, and
  you were accurately informed the payment would process overnight to bring the
  account current; however, a hold could be placed on the payment preventing use
  of the available credit the $88.87 payment created. We confirmed the payment hold
  was not released early. On February 28, the payment was returned as payment
  method was a non-transaction account. Currently, we have not received this
  payment.
  
  We did not receive the $30.00 minimum amount due for
  your February 8 due date, so your March minimum amount due included the $30.00
  minimum for March and the $30.00 past due balance, totaling $60.00 due by March
  8.
  
  You called again on March 6, asking to have your
  account closed. We confirmed the call was disconnected early, and standard
  business practices were followed, and your account was closed; we apologize for
  any confusion and for your frustrations. Please call Customer Service at
  ************ if you are interested in having your account reviewed for re-open;
  you were accurately informed of this option in your call on March 6.
  
  Following the closure of your account, your $200.00
  security deposit was applied to the account’s balance, resulting in a $126.22
  credit balance. A refund check was mailed to you on March 11. Please allow
  adequate time to receive it.
  
  We hope this information is helpful. If we have not
  addressed all of your concerns, please call Customer Service.
  
  Sincerely, 
  Office
  of the President
  Business
  Communications
  PREMIER
  Bankcard, LLC                                                                                     
  PO
  Box 5114
  Sioux
  Falls, SD 57117-5114
  (crc)
  
  (14529)
  
  PREMIER Bankcard, LLC is a registered Member Service
  Provider for First PREMIER Bank.
  

  Customer Answer

  Date: 03/12/2025

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because: They still have not explained how and/or why the payment released by their own employee turned out to be insufficient because in their own words, they were unable to draft the routing & account number since the account is not with a real bank.
  
  
  
  Sincerely,
  
  
  
  ***** *******

  

  Business Response

  Date: 03/19/2025

  Dear Kevin:
  
  On February 27, we
  received an online payment of $88.87 from a checking account ending in ****. When
  a payment is made with a checking account, you may not have immediate access to
  the available credit the payment created. We did not request early removal of
  the payment hold that was put on this payment.
  
  On February 28, we
  received notice this payment was being returned to us because it was a
  non-transaction bank account and the $88.87 was debited back to your credit
  card account.
  
  If our response does not
  clarify your concerns, please reach out to Customer Service at
  ************.
  
  Sincerely, 
  
  Office of the President
  Business Communications
  PREMIER
  Bankcard, LLC                                                                                                             
  ** *** ****
  Sioux Falls, SD 57117-5114
  (ko)
  
  (14606)
  
  PREMIER Bankcard, LLC is a registered Member Service
  Provider for First PREMIER Bank.