- Report: #230603
Complaint Review: First Premier Bank, S.D.; Centennial Bank Card
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| First Premier Bank, S.D.; Centennial Bank Card P.O. Box 5147, Sioux Falls, SD 57117-5147
Sioux Falls,, South Dakota U.S.A. |
|
First Premier Bank, S.D.; Centennial Bank Card I mailed payment track and confirm. On the day that the payment was received there was no record of it's posting. called customer service to check if record of payment and the receptionist asked for postal date, article number and generally asked irrelevant questions without locating any record. clear to me ploy to pretend not to have records to collect late fees. Sioux Falls, South Dakota
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The receptionists use delay tactics by pretending to need to bring up the proper screen, and then ask for irrelevant information in order to frustrate the customer or otherwise deny having any records in order to post payment past due date for the purpose of collecting late fees.
Gary
VANCOUVER, Washington
U.S.A.
Gary
VANCOUVER, Washington
U.S.A.
This report was posted on Ripoff Report on 01/15/2007 12:20 AM and is a permanent record located here: http://www.ripoffreport.com/r/First-Premier-Bank-SD-Centennial-Bank-Card/Sioux-Falls-South-Dakota-57117-5524/First-Premier-Bank-SD-Centennial-Bank-Card-I-mailed-payment-track-and-confirm-On-the-230603. 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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Been There...
AUTHOR: A Little Help - (U.S.A.)
SUBMITTED: Saturday, March 07, 2009
POSTED: Saturday, March 07, 2009
First thing once you recieve a letter from a Colelctions Agent you must reply in writting with in X amount of day; useally 5, denying the charges and also advise them "UNDER THE FDCPA YOU; YOUR EMPLOYEES, OR AGENTS ARE NOT TO ATTEMPT TO CONTACT ME AGAIN REGUARDING THIS MATTER; IF YOU DO I MY SUE YOUR FOR VIOLATING THE FEDERAL FAIR DEBT COLLECTIONS AND PRATICES ACT (FDCPA)" Also tell them that you are not responsable for the charges and you demand that they put a notation in the credit report stating that CUSTOMER DISPUTES CHARGES; ACCOUNT CLOSED AT CUSTOMERS REQUEST; ACCOUNT RESUALT OF UNAUTORIZED ACTIVITY" With these steps the negative information on your report is not counted when reviewing credit reports and by quoting hte FDCPA they can not contact you again with out being sued. You can demand they delete it from your file but it wont do any good thats why you demand they add the statement.
NCC is thick headed when it comes to this stuff; once they realize they cant collect they will sell the debit to another collections agent and you will need to go through it all again. Id suggest that you also get them to send a letter to you stating aything you discuss with them; keep all records, and letters they send or you send and get a copy of the Credit report; ocne you dispute a charge if they will send you a letter with in 30 days telling you the out come if its deleted keep that letter you will need it again.
Also contact the 3 Credit Reporting Agencies; TransUnion.com, Equafax.com & Experian.com and place a hawk alert on your credit file. Once you file a dispute with them they notifyt eh creditor who has 30 days to respond if they fail to resapond in that time the item is automatically deleted from your file. Drawback the creditor or a collections agent can put it back on but as long as you have the letter showing it had been deleted you will have an easier time getting it removed.
Someone opened an account with then in my name while I was in the Middle East in 01 and I didnt findout abut it untill a year ago and its taken a while but I got them off my back doing the steps I mentioned ehre.
Good luck
NCC is thick headed when it comes to this stuff; once they realize they cant collect they will sell the debit to another collections agent and you will need to go through it all again. Id suggest that you also get them to send a letter to you stating aything you discuss with them; keep all records, and letters they send or you send and get a copy of the Credit report; ocne you dispute a charge if they will send you a letter with in 30 days telling you the out come if its deleted keep that letter you will need it again.
Also contact the 3 Credit Reporting Agencies; TransUnion.com, Equafax.com & Experian.com and place a hawk alert on your credit file. Once you file a dispute with them they notifyt eh creditor who has 30 days to respond if they fail to resapond in that time the item is automatically deleted from your file. Drawback the creditor or a collections agent can put it back on but as long as you have the letter showing it had been deleted you will have an easier time getting it removed.
Someone opened an account with then in my name while I was in the Middle East in 01 and I didnt findout abut it untill a year ago and its taken a while but I got them off my back doing the steps I mentioned ehre.
Good luck
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