- Report: #327240
Report - Rebuttal - Arbitrate
Complaint Review: First Premier Bank
First Premier BankPO Box 5519 Sioux Falls, South Dakota U.S.A.
First Premier Bank Cancellation First Premier Bank Sioux Falls South Dakota
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On April 21, 2008 I recieved two letters in the mail, It was First Premier Bank with the credit card and the credit protection plan. This is what I got!
0. Credit card affixed to paper.
1. Account number
2. Expires: 4/10
3. Credit Limit: $250.00
4. Initial Fees: $179.00
5. Available Credit: $71.00
6. First Payment: $25.00
On April 16, 2008 I recieved this Bank Statement.
Statement Closing Date: 04/10/08
Days in Billing Cycle: 30
Previuos Balance: $0.00
Purchase & Other Charges: $131.00
Cash Advances: $0.00
New Balance: $180.59
Credit Limit: $250.00
Available Credit as of 04/10/08: $69.00
New Balance: $180.59
Payment Due Date: 05/05/08
Amount Due this Period: + $25.00
Past Due Amount: + $0.00
Amount Over Limit Due: + 0.00
Total Minimum Amount Due: = $25.00
Tran Date Post Date Description of Transaction or Credit Amount
04/08 04/08 Program Fee *Finance Charge* $95.00
04/08 04/08 Account Setup Fee *Finance Charge* $29.00
04/09 04/09 Monthly Servicing Fee $Fin CHG $7.00
04/10 04/10 Annual Fee 05/08 through 04/09 $48.00
04/10 04/10 Premier Credit card Protection $1.59
I did this to share with the public to see first hand what they are getting. Today is Saturday April 19, 2008 and I called First Premier Bank right away to cancel this account. I called 1-800-987-5521 and while I had them on the phone. I was online @ the Ripoffreport.com website and I didn't like what I was seeing including the bank statement they had sent me.
They tried to keep me as a customer but I did not budge, I refused so they told me to cut up the credit card. Instead I am going to make copies@ Kinko's to retain for myself and send everything back to them in a brown business envelope.
First do not use the card @ all.If you do not like what you see you must call them before 30 days to cancel the account. However it would be advisable to do this within the first week of recieving the card. This will keep you clear of any fees.
First Premier Bank canceled my account and they said I have a zero balance oweing them nothing case closed.
This report was posted on Ripoff Report on 04/19/2008 08:27 AM and is a permanent record located here: http://www.ripoffreport.com/r/First-Premier-Bank/Sioux-Falls-South-Dakota-57117-5519/First-Premier-Bank-Cancellation-First-Premier-Bank-Sioux-Falls-South-Dakota-327240. 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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