First National Bank, First Savings Bank SOUTH DAKOTA
Pierre, South Dakota
Internet
U.S.A.
|
|
First National Bank, First Savings Bank SOUTH DAKOTA FIRST NATIONAL Riff-Off w/ Visa and MC $155 fee for $300 credit line!!! Pierre South Dakota
1Author
0Consumer
1Employee/Owner
Beware of FIRST NATIONAL, South Dakota!
First National Savings/Credit of South Dakota is utilizing a single application form, from which it issued me both a VISA and a MasterCard (First Nat. Savings=MC, First Nat. Credit=VISA) with IDENTICAL terms and conditions. The VISA and MC's arrived in separate envelopes, but on the same day. Everything about the two cards are the same (phone numbers are different, but calls are routed into the same call center, with identical prompting and options).
Here's the BAD part -- with both cards, you are:
**** charged $155 for a $300 credit line!!! ****
Payment is due to separate P.O. Boxes, but both to the 68103 zip code in Omaha. Both cards utilize identical billing statements, percent interest, terms & conditions -- even the delivery packaging, fonts and advertising on the heavy stock paper in which the cards arrive are identical. The banks may legally be different, but the same organization is processing them and ripping people off all the same.
I called and told them (2 separate women in the same call center) that I didn't apply for either card (which I didn't), and was told I still had to fill-out a fraud form they'd both mail me. In the meantime, my credit report (from which I've been trying to raise my FICO score to buy my first home) takes a double hit because of these greedy gizzards.
Times are tough enough without having a greedy South Dakota financial concern making them even worse!
Major, heartless RIP-OFF!! BEWARE OF THESE RUTHLESS THIEVES!!
Mike
Sacramento, California
Click Here to read other Ripoff Reports on First National Bank
REBUTTALS & REPLIES:
1Author
0Consumer
1Employee/Owner
Updates & Rebuttals
#1 Employee
AUTHOR: Mary Beth - Milbank (U.S.A.)
SUBMITTED: Tuesday, July 01, 2008
POSTED: Tuesday, July 01, 2008
You say you didn't apply? Who did, please? Who would enter your information, sign your application, request a credit card fraudulently, and then have it sent to you? Made someone mad? Dishonest family member? You need to do a little investigating on your end. If you choose not to due to laziness or 'stick-my-head-in-the-sand-itis' let your local PD do it.
I would recommend if you think you have a true complaint to get it reported to the authorities as you have a paper trail should this come up again. I assure if you really did not apply, this WILL come up again. Someone has your personal info and will do this again. Trust me, a paper trail of proof may save your bacon. Identity fraud is the #1 growing crime in the US. You sir, are not immune. There are some great web sites to reference for this!
Fill out the Fraud Affidavit, we'll get it back and immediately sent it to your bureaus who will add a 6 month alert. What does this mean for a consumer? It means that someone has to talk to you personally when you get a loan, etc.. I also recommend a follow up yourself, yes YOU have to do something, and that is to pull your own credit report every six months for the next year to 18 months. You may call each credit bureau individually.
Also, you are trying to raise your credit score, great! Each year we visit our local Doc for a check-up, take our pets for their check-ups, and guess what? You may need a financial annual check-up as well. Your hometown bank is a great resource for you! Use it. I'm sure you have a personal banker and it costs nothing to visit with them. Typically they will even pull your report for free. More importantly, they will surely discuss with you their services, your financial goals, and where improvements may be made. A clear sense of financial direction.
Not that there is anything wrong with it, but yes there is an affiliation between First National & First Savings (besides sharing same print shop), they are sister banks.
