• Report: #836407

Complaint Review: First Premier Bank

  • Submitted: Thu, February 09, 2012
  • Updated: Thu, February 09, 2012

  • Reported By: Kenny Bird — Mount Laurel New Jersey United States of America
First Premier Bank
PO BOX 5147 Sioux Falls, South Dakota United States of America

First Premier Bank INACURATE CREDIT REPORTING Sioux Falls South Dakota

*Consumer Comment: Comments

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This company reported me five times late .When I called they said we only have you late 1 time which they told me they would not report that because I was away and missed sending it in and it was my first time and they would not report me late when our mortgage company called the said that first Premier Card reported you late 5 times . There is something breally shady going on but the goverment is cracking down on fraud and people are going to jail.

This report was posted on Ripoff Report on 02/09/2012 08:46 AM and is a permanent record located here: http://www.ripoffreport.com/r/First-Premier-Bank/Sioux-Falls-South-Dakota-57117/First-Premier-Bank-INACURATE-CREDIT-REPORTING-Sioux-Falls-South-Dakota-836407. 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 Consumer Comment

Comments

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

First of all you can't be reported late on your Credit Reports unless you are at least 30 days late.  So if you have never been at least 30 days late you can not be reported at all.

However, if you have been at least 30 days late then that would be a valid listing for each time you were 30 days late.  Regardless of what they are "telling" you, you probably won't get it removed.  Because when a creditor reports they must report accurate information, and not reporting a 30 day late would be incorrect.  The only way around this would be for them to stop reporting your entire line of credit.  Which may be worse than a single 30 day late depending on the rest of your history.

Your first step would be to dispute the listing with the Credit Reporting Agencies.  Since it appears that First Premier shows you being only late once your report SHOULD get corrected.  If not then there is further action you may need take.
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