• Report: #230570

Complaint Review: First Premier Bank Card

  • Submitted: Sun, January 14, 2007
  • Updated: Mon, January 15, 2007

  • Reported By:lakeland Florida
First Premier Bank Card
900 W. Delaware Sioux Falls, South Dakota U.S.A.
  • Phone: 605-3573440
  • Web:
  • Category: Banks

First Premier Bank Card Deceptive business practices-- Sioux Falls South Dakota

*Author of original report: Follow up after reading more complaints

*Author of original report: Follow up after reading more complaints

*Author of original report: Follow up after reading more complaints

*Author of original report: Follow up after reading more complaints

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I agree with Natalie from Brooklyn above. The same thing is happening with me. As I explained to the FTC, I knew the fees that are assessed at the beginning when you open the card. Fact is, my credit is bad and though I knew that in the short-run I'd be paying through the nose, I felt that in the long run positive payment history on an open card would help me. Well, the more you know...

I opened the card on January 1, 2007 and promptly made a payment by autodraft from my checking account. A few hours later that payment was posted to my First Premier account. Later on the next day, it was processed. My bank reflects payment to First Premier on the second. The money was taken from my account.

It is now January 15 and no credit has been posted to my card. I don't need it to be; the purpose of this card is only to show timely payments. However, everything that Natalie outlined above is absolutely true. For paying on time (and above the minimum) I've been penalized.

Furthermore, I'm now weary of even giving them my checking account number for fear that they'll raid that at some point as well. To be on the safe side, I'll be explaining the situation to my bank on Tuesday and will be changing my bank account number.

As well, their "customer service" is horrible. The "people" they have answering their phone are rude and unhelpful and condescending as well. They ought to consider the fact that they're call center ops before acting the way they do. Their website communications are absurd in their evasiveness.

THIS IS A HORRIBLE COMPANY and as I stated above I've already filed a grievance with the FTC. I recommend that anyone else having any trace of a problem with First Premier do the same. If you can afford it or have a lawyer listen to your complaint, do that as well. We who have to stoop to these levels to repair our credit shouldn't be raped by these companies just because we have been delinquent in the past. I make no excuses.

Kelly
lakeland, Florida
U.S.A.

This report was posted on Ripoff Report on 01/14/2007 07:36 PM and is a permanent record located here: http://www.ripoffreport.com/r/First-Premier-Bank-Card/Sioux-Falls-South-Dakota-57104/First-Premier-Bank-Card-Deceptive-business-practices-Sioux-Falls-South-Dakota-230570. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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#1 Author of original report

Follow up after reading more complaints

AUTHOR: Kelly - (U.S.A.)

I've read through most of these complaints. If you do the same you'll see the tone of most of the employee rebuttals characterize perfectly the attitude of the company to the individual. I've also seen false claims on both sides of the arguments. But most of the complaints on this site, if exaggerated slightly, are true.

For example, I saw where an employee stated that there should be no holds on autodrafts or money orders, but this isn't the case. The company must do that to everyone. As you can read from my grievance above, they did it to me and are still doing it.

Bottom line: I've already alerted the FTC as to their practices. I've already spoken with an attorney. I'm going to alert my bank to notify me if any unapproved attempts to gain access to my checking account occur; this as my change in account numbers take place.

I'm not sure what to do with this account yet. Part of me wants to keep it open and monitored in case of any wrong-doing. The other simply wants to pay it off and move on. Whichever option I choose, I'll definitely have other eyes open as to what's happening and will take appropriate action if need be.
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#2 Author of original report

Follow up after reading more complaints

AUTHOR: Kelly - (U.S.A.)

I've read through most of these complaints. If you do the same you'll see the tone of most of the employee rebuttals characterize perfectly the attitude of the company to the individual. I've also seen false claims on both sides of the arguments. But most of the complaints on this site, if exaggerated slightly, are true.

For example, I saw where an employee stated that there should be no holds on autodrafts or money orders, but this isn't the case. The company must do that to everyone. As you can read from my grievance above, they did it to me and are still doing it.

Bottom line: I've already alerted the FTC as to their practices. I've already spoken with an attorney. I'm going to alert my bank to notify me if any unapproved attempts to gain access to my checking account occur; this as my change in account numbers take place.

I'm not sure what to do with this account yet. Part of me wants to keep it open and monitored in case of any wrong-doing. The other simply wants to pay it off and move on. Whichever option I choose, I'll definitely have other eyes open as to what's happening and will take appropriate action if need be.
Respond to this report!
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#3 Author of original report

Follow up after reading more complaints

AUTHOR: Kelly - (U.S.A.)

I've read through most of these complaints. If you do the same you'll see the tone of most of the employee rebuttals characterize perfectly the attitude of the company to the individual. I've also seen false claims on both sides of the arguments. But most of the complaints on this site, if exaggerated slightly, are true.

For example, I saw where an employee stated that there should be no holds on autodrafts or money orders, but this isn't the case. The company must do that to everyone. As you can read from my grievance above, they did it to me and are still doing it.

Bottom line: I've already alerted the FTC as to their practices. I've already spoken with an attorney. I'm going to alert my bank to notify me if any unapproved attempts to gain access to my checking account occur; this as my change in account numbers take place.

I'm not sure what to do with this account yet. Part of me wants to keep it open and monitored in case of any wrong-doing. The other simply wants to pay it off and move on. Whichever option I choose, I'll definitely have other eyes open as to what's happening and will take appropriate action if need be.
Respond to this report!
What's this?

#4 Author of original report

Follow up after reading more complaints

AUTHOR: Kelly - (U.S.A.)

I've read through most of these complaints. If you do the same you'll see the tone of most of the employee rebuttals characterize perfectly the attitude of the company to the individual. I've also seen false claims on both sides of the arguments. But most of the complaints on this site, if exaggerated slightly, are true.

For example, I saw where an employee stated that there should be no holds on autodrafts or money orders, but this isn't the case. The company must do that to everyone. As you can read from my grievance above, they did it to me and are still doing it.

Bottom line: I've already alerted the FTC as to their practices. I've already spoken with an attorney. I'm going to alert my bank to notify me if any unapproved attempts to gain access to my checking account occur; this as my change in account numbers take place.

I'm not sure what to do with this account yet. Part of me wants to keep it open and monitored in case of any wrong-doing. The other simply wants to pay it off and move on. Whichever option I choose, I'll definitely have other eyes open as to what's happening and will take appropriate action if need be.
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