I have been struggling with First Premier Bank MasterCard for a long time now, many years. First let me just say that in March of last year, 2008, I had set up a payment arrangement with someone, I didn't write down her name because I didn't think it would be a problem, I made the necessary arrangements and stuck to my end of the bargain like clockwork, I was told that once the payment arrangement was complete that I would have a closed satisfied account.
To my surprise about 2 months later I get a call stating that I was delinquent, I said how can that be when all the payments were taken out of my account as arranged and the account should have been closed and at a zero balance. At that time I was told that the agent didn't see all of the fees that would be tacked on throughout my payment arrangement and did not take those into consideration, I asked how that was my problem since I am not the one that gets to look at an account screen on their end? I got extremely angry and refused to pay..fast forward through countless harassing collections calls every day to July.
I finally gave in, having become very frustrated and worried about my already damaged credit and wanting to salvage what I could. I spoke to a Renee in July of 2008 and she was actually very nice so I decided to work with her since all of the agents I had spoken to before were downright rude and seemed to have a great time being sarcastic. I spoke with her at length and agreed to set up yet another payment arrangement. I asked her 3 separate times, Is this it? Is this all I have to do to be done with you people? I'm not going to get a call after all of this telling me I still owe more money right? She assured me on all questions that after my 6th payment SHE would make sure that the final payment was zeroed out and that she couldn't do that until the last payment in my arrangement was paid. All of the payments go through and I am breathing a sigh of relief that the First Premier Saga in my life was finally over.
Low and behold at the end of December I get yet another call from an extremely rude agent telling me that I am past due and how would I like to take care of that? You can imagine my shock and horror and surprise and dismay when I get this call. I questioned the balance and am told that whoever made the arrangement with me was wrong in the amounts.AGAIN!!
I ask to speak to the agent that set the arrangement up with me and I am told that there are no direct extensions but I could speak to a manager, I opt to do just that. The manager gets on the phone with me and I calmly explain the situation, trying very hard not to get angry because I am in the early stages of a high risk pregnancy. I tell her exactly what happened and she puts me on hold. Again she gets back on and of course was NOT a nice person at all and proceeds to tell me the same thing they told me back in May ..The agent didn't see all of the fees that would be tacked on throughout my payment arrangement and did not take those into consideration.
I am mortified and get very angry and explain that I have paid over $600.00 in fees because they can't get their sh*% together and that I am now refusing to pay another red cent to them.
A few more months go by and I receive about 4-5 calls a day from my friends at First Premiere asking me if I can make a payment and warning me that my balance is just climbing againI say thank you very much and tell them all to F&*K off and hang up, I am not normally like this but I am on fire angry with these ruthless crooks by now.
On February 22nd I get a phone call from Darla, I was not nice to Darla but she politely asks me to give her a chance to review my account to see what she can do for mehow nice of Darla. I allow her to place me on hold and a few minutes later she comes back on and APOLOGIZES and tells me that she can see what happened and ASSURES me that this will be cleared up by her personally. I tell her that I apologize for not jumping up and dawn for joy and that I would believe it when I saw it. She again ASSURED me that she was going to get a supervisor involved and they would clear it all up for me.
On February 25th 2009 I get a phone call from my friends at First Premier asking me when they can expect a payment, I say calmly, I spoke to Darla on the 22nd and she told me she was going to clear this up. I was then told to hold. Then I was told that Darla was wrong and that the balance is correct and still owed.
These people have brought me to tears, I am truly at the end of my rope, I am helpless, they are milking me and not keeping up their end of the bargain and I feel robbed, I feel taken advantage of and I feel like a true victim. What can I do, I can't afford an attorneyDo I just keep paying them for the rest of my life? I need help and I need it fast. Please tell me what to do?
I have also asked many times for them to access the recordings that surely should have been made when I set up the payment arrangements to verify everything that was said to me and agreed upon and I was told there were no recordings.
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