ComplaintsforPREMIER Bankcard

Credit Cards and Plans

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Initial Complaint
10/28/2024
Complaint Type:
Billing Issues
Status:
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.
They are asking me to send My ssn card through the mail and my ID and proof of address so can you send them it to them
Business response
10/30/2024
RE: First PREMIER Bank credit card application

Dear ********

This is in response to the verification information you sent through the Better Business Bureau.

We forwarded your documents to the correct department, and they will respond directly to you. You can also upload documentation to the PREMIER Credit Card mobile app or our website at ****************************
Thanks for providing the requested information. If we can be of further assistance, please call our Applications Status Team at *************

Sincerely,

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

PREMIER Bankcard, LLC is a registered Member Service Provider for ***** ******* ****.
Initial Complaint
10/28/2024
Complaint Type:
Billing Issues
Status:
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.
I received a fraud alert today at 1451 hrs and called first premier bank to discuss the matter. 1-- I wanted to know the name of the vendor and location. They told me fl. I did make a purchase but it was for $8.99. The charge was $78.51 not authorized. They are sending me a new card in 2 weeks. 2--I wanted a confirmation email on fraud details and the face a card was being issued. They don't do this. 3-They don't allow you to see pending transactions on ur card when a merchant is holding the amt. I never heard of such ***
Business response
10/31/2024
RE: ***** ******* **** credit card account ending in ****

Dear **********:

This is in response to your concerns with fraud.

On October 26, you contacted us to report fraudulent use of your account. A lost/stolen report was completed on the account ending in ****, and all information was transferred to a new account ending in ****. Your card was shipped on October 30, please allow 7-10 business days to receive it.

Our fraud monitoring system detected a potentially fraudulent authorization attempt on your account on October 24 and 25. We declined the authorization and sent you a text message to confirm if this activity on October 26 was being attempted by you. You responded confirming that the $78.51 authorization attempt to ********************** was fraud, therefore the charge was not approved, and did not post to your account.

There is a charge to this same merchant on October 20 for $8.99 which you stated was yours on October 26.

You mentioned how you are unable to see pending transactions. At this time, we do not send out email confirmations. We appreciate your feedback and forwarded it to be reviewed for a potential future enhancement.

In some cases, a merchant may get an authorization but does not process a charge to the account. An authorization temporarily holds the amount of the transaction to ensure funds are available for purchase. While an authorization is pending, the amount will be deducted from your available credit. Not all authorizations are processed as charges and do not appear on your statement or online account unless they do.

We appreciate you being a customer and hope this information is helpful. If we can be of further assistance, please call Customer Service at ************.

Sincerely,

Office of the President
Business Communications
PREMIER Bankcard, LLC
PO Box 5114
Sioux Falls, SD 57117-5114
(bp)

(*****)

PREMIER Bankcard, LLC is a registered Member Service Provider for ***** ******* ****.
Business response
11/07/2024
Dear **********:

As explained in our previous response, we appreciate your feedback. However, at this time we do not offer the ability view pending authorizations or attempted activity online. Once a charge as posted to the account you can view it in the transaction history online.

If you would like to discuss pending authorizations or declined attempts, please call our Customer Service Department at ************.

We apologize for the inconvenience and hope this information is helpful.

Sincerely,

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

*******
PREMIER Bankcard, LLC is a registered Member Service Provider for ***** ******* *****
Customer response
11/08/2024

Complaint: ********

I am rejecting this response because:
They are obligated by law to provide copy of pending charges

Sincerely,

********** ******
Initial Complaint
10/25/2024
Complaint Type:
Billing Issues
Status:
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.
First Premier Bank are asking me to pay ($900.00) for a credit card that was stolen. I never used this card nor knew of its existence until they contacted me. I explained that I was never in possession of the physical card nor aware of it. Fist Premier fraud department have never followed up on this fraud nor have they removed the debt and cleared my credit history.
Business response
10/29/2024
Dear *****:

This is in response to your complaint in which you expressed concern with the First PREMIER Bank credit card account ending in ****.

We are unsure whether you are claiming this account was opened fraudulently in your name, or if your card was stolen and unauthorized charges were made.

If you are claiming the account was fraudulently opened, please provide us with additional information for us to investigate as our Security Department previously found you liable in September 2019 since the account information verified as belonging to you.

If you are claiming there is fraudulent activity on this account, please provide a detailed letter signed by you that includes:

- An explanation of the exact nature of your dispute
- If disputing fraudulent charges, please include the following information for each charge
- The merchant’s name
- The date of purchase
- The dollar amount of the charge

All additional information can be sent to:

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

We hope this information is helpful and thank you in advance for your clarification. If we have not addressed all your concerns, please call our Customer Service Department at ************.

Sincerely,

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

*******
PREMIER Bankcard, LLC is a registered Member Service Provider for ***** ******* *****
Initial Complaint
10/25/2024
Complaint Type:
Billing Issues
Status:
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.
Dear Better Business Bureau, I am writing to formally file a complaint against Premier Bank Card regarding a fraudulent credit inquiry and account on my credit report. Despite taking all necessary actions to report and resolve this matter, Premier Bank has failed to address the situation appropriately, resulting in ongoing harm to my credit standing. Upon reviewing my credit report, I discovered an inquiry and a newly opened credit line associated with Premier Bank Card. As I did not apply for this account, it is clear that it was fraudulently acquired. I immediately contacted Premier Bank to report the fraud, and they assured me they would investigate the matter and send me paperwork related to their findings. However, I have yet to receive any documents or communication from the company. In response to this situation, I took further steps to protect my credit and mitigate the impact of this fraudulent activity. I filed a police report, froze my credit, and filed a dispute with the relevant credit bureaus. Although Premier Bank removed the inquiry from my credit report, they refused to remove the fraudulent account, which remains open and continues to impact my credit. Moreover, it came to my attention that Premier Bank had already placed this fraudulent credit card on suspension before I noticed the issue, indicating they were aware of suspicious activity. Given my credit score of over 800, this should have raised a red flag for the company, as a high-score individual would likely not be applying for a credit-building card. Premier Bank's lack of proactive measures to prevent fraudulent activity, coupled with their inadequate response to my report, has left me feeling unprotected and disappointed. I respectfully request your assistance in urging Premier Bank Card to fully remove this fraudulent account from my credit report and to take accountability for their failure to address this issue in a timely and effective manner. Thank you
Customer response
10/28/2024
*** ** *** ******
Delray Beach FL 33483
Business response
11/01/2024
RE: First PREMIER Bank credit card account ending in ****

Dear *********

This is in response to your concerns with an account that was opened without your permission, and you want the inquiry and account removed from your credit report.

On September 11, we received an online application with your personal information. Please be assured verification steps are taken on every application we receive. Due to potentially fraudulent activity associated with the address and social security number, we suspended the account and sent a letter asking for verification.

When we spoke with you on October 2, the account and all transactions were marked as fraudulent. Our Security Department investigated, found you not liable on October 23, and sent a request to have it removed from your credit report. Please allow 45 days for this information to update.

A request to remove the inquiry from your credit report has also been sent.

We are sorry this happened to you. If we can be of further assistance, please call Customer Service at *************

Sincerely,

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

(13379)

PREMIER Bankcard, LLC is a registered Member Service Provider for First PREMIER Bank.
Initial Complaint
10/24/2024
Complaint Type:
Billing Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
I am not liable for this debt with PREMIER BKCRD/FIRST PREMIER. I do not have a contract with PREMIER BKCRD/FIRST PREMIER, they did not provide me with the original contract as I requested.
Business response
10/29/2024
Dear *******

Thank you for the additional information to locate which First PREMIER Bank credit card you are referencing.

We referred your identity theft claim to our Security Department. Please allow up to 30 days for them to investigate, and they will contact you directly.

If you have additional information or documentation to support your claim, please send it to:

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

After the investigation is complete, the account may be reviewed for possible adjustments.

If we can be of further assistance, please contact our Customer Service Department at *************

Sincerely,

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

(13357)

PREMIER Bankcard, LLC is a registered Member Service Provider for First PREMIER Bank.
Customer response
10/29/2024

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.
Thank you

Sincerely,

****** *****
Initial Complaint
10/23/2024
Complaint Type:
Billing Issues
Status:
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.
First Premier Bank Account #'s (last 4 digits): #****( $823) and #**** ($1,016) Mastercard accounts shows they are charging me "INTEREST CHARGE ON PURCHASES" for each card when my cards were cancelled by them about one year ago and I have been making payments and NOT using both cards. How can they charge me "interest charge on purchases" when my cards are cancelled and yet I have been making payments only? I just noticed this because am about to make final payments but throught the whole time they have been charging me interest on purchases I have not made. Have they been doing this to everyone?
Business response
10/25/2024
RE: First PREMIER Bank credit card accounts ending in **** and ****

Dear *******

This is in response to your complaint in which you expressed concern with interest charges.

By opening a credit card with First PREMIER Bank, you accepted the terms of the account, including accountability for all fees and interest. Interest continues to charge on an account until its balance has been reduced to zero. Interest charges can be avoided on purchases by paying the new balance as listed on your monthly statement in full by the due date.

We hope this information is helpful.

Sincerely,

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

(13334)
PREMIER Bankcard, LLC is a registered Member Service Provider for First PREMIER Bank.
Initial Complaint
10/21/2024
Complaint Type:
Billing Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
I am demanding the removal of two accounts from my credit report due to clear violations of the Fair Credit Reporting Act (FCRA), 15 U.S.C. 1681e(b). The payment history on both accounts is inaccurate and inconsistent, with different bureaus reporting conflicting information for the same months. I have attached both accounts for your review. Additionally, account **************** violates the CARES Act by reporting late payments during the COVID-19 pandemic. This alone makes the reporting invalid. At this time, I am requesting only the immediate removal of these accounts from my credit report. If the accounts are not removed within 30 days, I will pursue legal action, whether through court or arbitration, due to your failure to comply with FCRA regulations. Any judge or arbitrator reviewing these accounts will clearly see the violations. For example, how can you report a 90-day late payment in November 2020 when the previous month shows 30 days late? This inconsistency demonstrates inaccurate reporting, violating federal regulations. Your actions have caused me significant harm and emotional distress due to the false information on my credit report. The following accounts must be removed immediately: Account **************** Account ****************
Business response
10/23/2024
RE: First PREMIER Bank credit card accounts ending in **** and ****

Dear *****:

This is in response to your complaint in which you expressed concern with credit reporting.

Following a thorough review, we confirmed we are accurately reporting your accounts. However, Equifax is inaccurately reflecting the late payment dates for your account ending in ****. Although we provide the same information to each consumer reporting agency, slight discrepancies are to be expected on their individual reports. We are sending an update to reflect accurate late payments for May, June, July, and August of 2021 on the account ending in ****.

The account ending in **** was opened in February 2020. It was closed in September 2021 due to inactivity, and the balance was credited to zero as a courtesy.

The account ending in **** was opened in February 2023 and it charged off due to delinquency in November 2023 with a balance of $313.34, which remains today.

Charged-off accounts and negative information 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.

Early in the pandemic, we implemented a Coronavirus Relief Program to help customers when they let us know they couldn’t make payments. This program ended in June 2021, and we have no record of you attempting to enroll while the program was in effect.

Please refer to your Credit Card Contract regarding any questions you have about arbitration or your right to litigate. We understand you may choose to pursue legal action against First PREMIER Bank.

We hope this information is helpful.

Sincerely,

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

(13315)
PREMIER Bankcard, LLC is a registered Member Service Provider for First PREMIER Bank.
Business response
10/28/2024
Dear *****:

As explained in our previous response, First PREMIER Bank is accurately reporting your accounts, but Equifax is incorrectly reflecting the months of your late payments on account ending in ****. We sent an update to reflect accurate late payments for May, June, July, and August of 2021. Please allow time for this update.

To view the most accurate version of your credit report, we advise viewing your credit report directly through the consumer reporting agencies.

We hope this clarifies your concerns.

Sincerely,

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

(13344)
PREMIER Bankcard, LLC is a registered Member Service Provider for First PREMIER Bank.
Customer response
11/04/2024

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. If Equifax does not reflect this in the next 30 days, I will reach back out to your company. No response is needed.

Sincerely,

***** *****
Initial Complaint
10/19/2024
Complaint Type:
Billing Issues
Status:
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.
My account is Closed but i did not receive my payout, The money is still hold in my account and did not receive check as well if you have sent an ACH please provide reference number and if you send Check Please tell me any tracking number. if I will not receive an answer I will have no option but to turn this complaint into a Consumer report or a Legal Case
Business response
10/22/2024
RE: First PREMIER Bank credit card account ending in ****

Dear *******:

This is in response to your complaint in which you expressed concern with not receiving your refund following account closure.

On September 11 your account was suspended due to suspicious activity on the account. On September 12, we sent a letter asking for verification of your social security number and mailing address due to potential fraud.

On September 22, due to receiving possibly altered docs, we closed your account at our discretion, and the $200.00 security deposit was transferred to the balance. A letter of explanation was sent.

A refund check for $250.00 was sent on October 9 to the address on your complaint. Please allow up to 30 days for this to be received.

We understand you may choose to pursue legal action against First PREMIER Bank and hope this information is helpful.

Sincerely,

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

(13301)
PREMIER Bankcard, LLC is a registered Member Service Provider for First PREMIER Bank.
Business response
10/29/2024
Dear *******,

The check was mailed to the address that is listed on the account: *** * **** ** ******
If you do not receive the check by November 9, please call Customer Service at *************

Sincerely,

Office of the President
Business Communications
PREMIER Bankcard, LLC
PO Box 5114
Sioux Falls, SD 57117-5114
(bp)

(13354)

PREMIER Bankcard, LLC is a registered Member Service Provider for First PREMIER Bank.
Customer response
10/30/2024

Complaint: ********

I am rejecting this response because: I will wait few more days if still check is not delivered I will file a consumer complaint. if its possible please transfer the funds to my linked bank account or the bank I used to deposit the money to Card.

Sincerely,

******* ******
Initial Complaint
10/16/2024
Complaint Type:
Billing Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
I am not liable for this debt with Premier Bank, I do not have a contract with First Premier Bank, they did not provide me with the original contract as I requested.
Business response
10/22/2024
RE: First PREMIER Bank credit card accounts ending in ***** and ****

Dear ******

This is in response to your complaint in which you expressed with concern charged off accounts you do not recognize.

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. If you have additional information or documentation to support your identity theft claim, please send it to:

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

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

As the original creditor, First PREMIER Bank is not required to provide debt validation. The accounts were applied for online, and no signed contracts are available. We have no record of you previously requesting this information. Since you claimed the accounts were applied for fraudulently, we can provide additional information or account documents if we receive the following:

- Proof of identity theft, such as a copy of a police report or completed identity theft affidavit (*****************************)
- A form of positive identification, such as a copy of a government issued identity card, driver's license, birth certificate, paystub, or W-2 form

Thank you in advance for your patience while in investigate your claim and hope this information is helpful.

Sincerely,

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

(13304)
PREMIER Bankcard, LLC is a registered Member Service Provider for First PREMIER Bank.
Customer response
10/22/2024

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
10/15/2024
Complaint Type:
Billing Issues
Status:
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.
Business refuse to verify debt and leaving terms of debt incomplete on my credit report.
Business response
10/16/2024
RE: First PREMIER Bank credit card accounts ending in **** and ****

Dear *******:

You requested verification of debt and a correction to your credit report.

As the original creditor, First PREMIER Bank is not required to provide debt validation. We have no prior record of you requesting this information on these accounts.

These accounts were opened in March 2020 (****) and January 2022 (****), after received online and phone applications. We stopped receiving payments and determined the debts were unlikely to be collected, so they charged off in October 2022, with balances of $719.03 (****) and $1,041.50 (****), which remain today. Monthly statements were sent to the same address as the address listed on your complaint, until they charged off.

Charged-off accounts are removed from the credit report approximately seven years from the charge-off date, and accurate information is neither changed nor removed early. The consumer reporting agencies are responsible for removing the accounts at the correct time. If you feel the accounts are reporting inaccurately, please provide us with specific detail as well as documentation to support your claim.

If you have further questions or concerns, please call Customer Service at 800-987-5521.

Sincerely,

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

(13273)

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

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