First PREMIER Bank allows false charges Sioux Falls, South Dakota

The first thing you need to understand is that phone calls never protect your rights under the law.

The ONLY way to communicate in a dispute process is in writing.

Always send these written communications via certified mail, return reciept requested, and be sure to put the certified# in the body of the letter itself. This proves exactly what you sent.

If in fact the charge was not yours, and you disputed it correctly, they could not make you pay it. This is FEDERAL LAW under the fair credit billing act.

Did you ever do business at all with the company in question, being World of Warcraft?

Anyway, I have dealt with the crackhead thug mentality of the First Premier bunch.

They still owe me money!

You had a bad experience with one of the representatives, and so we're all like that? We don't do this for fun or for our health. It certainly isn't good for the blood pressure sometimes. We do it for a paycheck.
Just like everyone else, we have bills to pay, and groceries to buy. And no, it's not a minimum wage job for idiots and convicts, as some people on this site seem to think. We get up, get dressed, drive to work, and sit in a little gray cubicle for 8-10 hours a day. We get screamed at, hung up on, and called names all day long.
So the person you talked to was rude. That's a possibility. That usually happens when the person on the other end of the line (you) decides that the rep is a stupid, crackhead convict working at fast-food wages, and decides to treat them thus.
We all have fairly thick skins, and usually let all of that roll off, but sometimes you guys are awfully good at pushing buttons.
I guess what I'm trying to say is that we are just like you. Doing a job so we can make money and pay the bills. We aren't thugs. We aren't crackheads. And most of us aren't stupid.

Response to "anonymous", the First Premier employee.

Are you in "collections" or in "customer service"? This obviously makes a big difference, and you never specified.

Now, read my previous reports where I am the original poster regarding First Premier bank collections department. [I made my payment in plenty of time before the due date which fell on a Sat, and Sunday morning, early, I have this crackhead calling me demanding my bank account info to do a phone payment. All of this over a card with a total balance of just over 17 bucks!]

Read it. Re-read it. Think about it.

I stand by my opinion of First Premier Bank practices, and low quality, rude, uneducated employees.

None of those actions are surprising when you have a credit card that is targeted to low-income people looking to establish or re-establish credit.  I'm sure a lot of accounts require quick and aggressive collection actions.

In researching this card, it has extremely high fees and a very low  credit limit.

What are you doing to get your money back from FP?


Have you stayed off of the phone?  Have you written any Certified letters?  Is there a lawsuit?

I am really curious.  As this happened a while ago and one would expect that you should have had a resolution by now.