• Report: #666536

Complaint Review: First Premier Bank

Thank You

Read how Ripoff Report saves consumers millions.

  • Submitted: Tue, November 30, 2010
  • Updated: Thu, January 13, 2011

  • Reported By: Steve — Bradenton Florida U.S.A.
First Premier Bank
P.O. Box 5524 Sioux Falls, South Dakota United States of America

First Premier Bank Premier Bank Card Rude, agressive thugs call from blocked number, demand bank info, etc. WOW! Sioux Falls, South Dakota

*Author of original report: Hey Tim, WHY would I need a lawyer and a credit counselor?

*Consumer Comment: First Premier unlawful practices

*Consumer Comment: Watch For The Disclosures

*Author of original report: Hey Leann...I have an idea re the credit scores

*Consumer Comment: Nice

*Author of original report: Debra, do you hear yourself? Get off the moral highhorse!

*General Comment: You can stop splitting hairs any time

*Author of original report: MORE 'clarification" for Debra...STILL not getting it

*General Comment: Eureka!

*Author of original report: Response to Debra, Jim, and Leann

*Consumer Suggestion: All I have to say is....

*Consumer Comment: Interesting!

*General Comment: tomayto - tomahto

*Author of original report: Update / response to Debra

*General Comment: You've come a long way, bunky

*Author of original report: Response to "Coast" re "rude" and "bad credit"

*Consumer Comment: Settle down.

*Consumer Comment: HA

*Author of original report: Response to "Flynrider", and clarification

*Consumer Comment: You must be new at this.

What's this?
What's this?
What's this?
Is this
Ripoff Report
About you?
Ripoff Report
A business' first
line of defense
on the Internet.
If your business is
willing to make a
commitment to
customer satisfaction
Click here now..

Does your business have a bad reputation?
Fix it the right way.
Corporate Advocacy Program™

SEO Reputation Management at its best!

WOW! I am amazed at the level of unprofessionalism and arrogance demonstrated by these THUGS at First Premier Bank / Premier Bank Card.

First, let me say, I [had] 2 different accounts with these THUGS for the past 3+ years in excellent standing. NEVER a late payment, and never paid the minimum. Always paid in full on both each month.

With that said, for some reason the payment on one of these cards did not reach First Premier by the due date last week of 11-20-2010. Early in the morning of 11-21-2010, THEY HAD ME IN COLLECTIONS! On a SUNDAY!! Are you kidding me, I thought.

I normally don't answer any calls from blocked numbers, but for some reason that morning I did, even though I was in a restaurant having breakfast.

This person with a very rude demeanor starts challenging me as to who I am, and that did it. I stopped her and said YOU are the one calling me from a blocked number, so I REALLY need to know who YOU are!

Then she got nasty and said "I'm with Premier Bankcard and your payment is late".

I told her I was at a restaurant having breakfast, but would look into it right away when I got home to see what happened with it.

She said "NO, you NEED to give me a phone payment right now".

I informed her that I don't give anyone my bank account info over the phone so she was out of luck, and would have to wait.

She said "Fine", "I'll just put this on your credit report as a default"!!

At that point I informed her she broke the law, and basic ethics, and told her to immediately cancel both of my cards.

Now, I got the real laugh! She tells me, I have to transfer you to a supervisor for that! So I said, I guess you are just a minimum wage idiot in a cubicle who really can't do anything then, right?

She hung up on me, so I guess I struck a nerve. After all, she was the one working early on a Sunday morning, and I was the one sitting in a nice restaurant having breakfast!

I called back and asked for a supervisor. Told the supervisor what transpired and he could care less. He also told me he was not removing the $25 late fee. I was simply amazed at this level of greed, arrogance, and corruption. A $25 late fee in less than one day late? On a weekend? Not even 1 business day given to figure it out.

FYI...The total balance due on that account was $17.67, which was paid. Check was in the mail. All of this hassle and aggravation for an account that has been paid.

I guess these idiots cannot comprehend a mail delay, or lost piece of mail. Unheard of, right?

Steer clear of First Premier Bank. They are all about fee generation. That's it. There are absolutely no forms of intelligent life in the "customer service" dept.

Run fast.

 


This report was posted on Ripoff Report on 11/30/2010 05:27 AM and is a permanent record located here: http://www.ripoffreport.com/r/First-Premier-Bank/Sioux-Falls-South-Dakota-57117/First-Premier-Bank-Premier-Bank-Card-Rude-agressive-thugs-call-from-blocked-number-deman-666536. 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.

Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report.

Click Here to read other Ripoff Reports on First Premier Bank

Search for additional reports

If you would like to see more Rip-off Reports on this company/individual, search here:

Search Tips
Report & Rebuttal
Respond to this report!
What's this?
Also a victim?
What's this?
Repair Your Reputation!
What's this?
REBUTTALS & REPLIES:
8Author 12Consumer 0Employee/Owner
Updates & Rebuttals

#1 Author of original report

Hey Tim, WHY would I need a lawyer and a credit counselor?

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

Hey Tim,

WHY would you tell me to get a lawyer?? Please be specific.

WHY would you tell me to get a credit counselor? Please be specific.

It appears that you do not know how to read, or you are trying to be smart, and we all know you are not.

As far as my credit score goes, just bet me the $5k as I previously offered and we will see, won't we? But, that won't happen as you are broke and scared.

FYI..As of 1-11-2010, I pulled my 3 bureau report with scores from Identityguard.com and they are EQ672, EX753, TU687. The 2 FP Bank credit cards I had to close recently impacted 2 of my scores about 40 points or so.

Too bad everything I own is paid off as a car loan or home loan would really boost my score. But, having no bills and an average to good scoreis better than having alot of bills and a high score.

I don't really need too much credit as I have plenty of cash, and real assets.

So, maybe you need the credit counselor, as I could teach the class.

Respond to this report!
What's this?

#2 Consumer Comment

First Premier unlawful practices

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

My cousins daughter had a credit cardaccount with First Premier which she always paid on time. One day she received a letter that her interest rate was going to go up to 27% for no reason along with instructionswith option todecline, close the account and keep paying the balance at the original rate.

She sent them a letter declining with instructionsto close the account. Then a week later called them to verify they had received it and she was told the account was closed and to just keep making her payments like usual till balance paid off.

Well, one month later her identity was stolen and the thiefs were able to get money out of the account. It turns out they lied and they never closed the account. When my cousin gets her new bill finds a charge for a debit made. She called them and told them she was certified that account was closed. But no it was not and they transfered her to the fraud dept which told her to fax a written account of what had happened. She did and the amount was taken off. Ok fine that's that.

She kept on paying the balance as usual. Three months later she sees the account beign charged again for the stolen amount. Calls them and they insist she needed to give themmore proof it really was a theft. WHAT???

She calls them back and tells them it was her undertanding that the account was closed andthat she had copy of letter saying they had closed the account. Well they were rude and said they needed further investigation and for now she had to pay everything plus interest and late fees.

Now she is unemployed and has stopped paying everything, they continue to call her to pay but there is nothing she can do now.

Respond to this report!
What's this?

#3 Consumer Comment

Watch For The Disclosures

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

Somehow methinks this report is faux as the 753 score for such a "high-interest, high-risk, lender" category. Get a lawyer, bucky. Second, go to a consumer credit counseling service and quit arguing with the sage advice given.









 






 

Respond to this report!
What's this?

#4 Author of original report

Hey Leann...I have an idea re the credit scores

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

Leann,

Well, I'm certainly not a liar so here is what we need to do.

Put up or shut up.

We'll each put $5000 in an escrow service. Then if I send you my credit report that I printed out with the 770 score, I get your money and mine back. If I cannot provide the proof, you get all of the money.

Like I said, put up or shut up. Do it now.

As far as the rest of your post goes, I was just correcting you on several inaccuracies regarding my situation, and I did it politely. I tied all 3 of you togather in 1 post so I would have to wait 8 hours between each reply, and jam up this thread with nuisance little posts.

Sorry if you were offended by that post to 3 people at once, as it was not my intent to offend. I was just setting the facts straight. I knew it wasn't a scam, and I knew it wasn't illegal for an in house collector/creditor to call on Sunday.

But, be sure to put up that $5k, so we can iron this thing as to whether or not I lie.

Don't call someone a liar unless you are willing to back up your mouth.

Respond to this report!
What's this?

#5 Consumer Comment

Nice

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

I don't know why I was attacked with this nonsense when all I was trying to do was say I thought you were being scammed since they called on a Sunday.  I was on your side until now.  You just post so you can argue with everyone.  Usually the trolls are in the responses but in this case you are the troll.  I no longer choose to feed you even though others seem to enjoy it.  However, it is entertaining or I wouldn't have even checked back.  Good luck to you and your supposed credit scores (which I do not believe one bit).  Have a nice life. 
Respond to this report!
What's this?

#6 Author of original report

Debra, do you hear yourself? Get off the moral highhorse!

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

Debra, You still don't get it, and your post[s] attacking me are totally miscategorized and has nothing at all to do with the original post or topic. Please take your uneducated self righteous drivel elsewhere. You need a SERIOUS "reality" check.
 
Debra wrote:
Just for your information, Steverino, I am no longer in collections.
My response:You know you are a genuine loser when you cant make it as a debt collector!  I had to get out when I grew tired of dealing with entitled infants.  In any event, it was a job.  Not the best or most honorable job, and I wasn't a big enough jerk to do it well, but they crossed my palm with silver every two weeks and at the time I needed a paycheck more than I needed self respect.  Kids can't eat self respect.
My response: So you are telling me that the ONLY job you could get, back when the economy was good, was that of a debt collector? You ARE a loser. No wonder you are so bitter.

Anyway, you have managed, in the act of correcting my memory, to reveal yourself as even more morally bankrupt that I believed, and I believed you were right down there with meth cookers and crooked cops.  Your constant wanking was irritating enough when I thought you'd managed to stand the banks down over debt you couldn't pay.
My response, again: I never had any trouble paying my debts, as previously clarified. The creditors got GREEDY, displayed ARROGANCE, and gave me the take it or leave it attitude, so I "left it".  Finding out this was debt you just decided you didn't have to pay makes you even more disgusting. My response: The banks CHOSE not to get paid when they CHOSE to rip me off. I gave them a chance to get paid, they REFUSED.  Why didn't you just file bankruptcy and be done with it? My response: Let me get this straight, you are OK with someone filing bankruptcy, but not just walking away from their debts? Hey stupid, the end result is still the same, the creditor doesnt get paid! But you are saying BK is OK, right? You are a genuine moron.  Let me guess, because it went against your principles or something equally asinine.My response: No, I don't like getting the government into my life, and there was no need to file BK, as I did not have property to protect.There was no reason to file BK. You are just "programmed" by big business and the government. You are brainwashed. Instead you run away My response: I didn't "run away" as you put it. Actually everyone knew where I went and where I was the whole time. You see, right before I left and ruined my credit, I bought a nice crew cab dually truck which I financed through Bank One the day before I walked away. This way, I destroyed and rebuilt my credit all in the same stroke! Genius, right? By the way, I successfully honored that contract and paid off that truck. And, I paid BofA and AMEX for 2 more years after walking away,as they got with the program. They CHOSE to get paid, and did. Now what? Loser. and when they find you, because they always find you, you stick your fingers in your ears and holler until they get bored and go find someone a little easier to scare, or someone with a metric crap-ton more integrity than you'll ever have whose conscience demands they do the right thing and pay what they owe.  In any event you got free use of somebody else's money.  Apparently this makes you smarter than the rest of us, who attempt to apply some sort of moral code to our behavior.
My response: I goes without saying that I am much smarter than you, and that is what pisses you off. Arrogant? Well, you have to meet your opponent on a level playing feild, so I guess I had to treat these thugs with arrogance, and I did. It's all they understand.
I expect I've lost you.  Too many multi-syllable words, perhaps too much talk about ethics.  Don't worry, there won't be a quiz. My response: Don't worry, I have a much higher educational level than you, as well as a much higher IQ, and skillset. I've turned down more jobs than you have ever been offered. I have plenty of money in the bank and everything I have is paid for. I made $167,000 last year and have the tax return to prove it. How much did you make, loser? You are void of character, My response: You know NOTHING of my "character" at all. You are simply making assumptions without the benefit of knowledge. I don't have to prove anything to you, because you are insignificant. in fact your continued know-it-all commentary reminds me of nothing so much as the sort of cockroach I've heard people complain about, the one who always manages to escape the traps and live to crap in the food another day.  You don't want a lecture.  I'm not your mother, and for that I thank any and every relevant deity because you are nobody I'd want to claim as a son.  You have an inflated sense of your own importance and you seem quite willing to abuse anybody you think occupies a lower spot on the food chain than you.  Do you have a Napoleon complex? My response: Napoleon was a great man!  Were you having breakfast at a nice restaurant by yourself, My response: Yes, I was eating breakfast by myself. What's wrong with that? I like being by myself sometimes. My choice. If I want a woman, I'll pay a w***e, so I don't get stuck with some miserable s***k like you. That would really suck. I would kost likely do better with that homeless s***k than with someone like you or did you have to pay random homeless people to eat with you so you don't look as pathetic as you are?  I suck?  Could be, but you swallow.  Gargle for a full minute though, before you do. My response: Yes, I do swallow, everyone does. Or, were you trying to insinuate that I am a f*g? OOOHHH that really bothers me! You have the mentality of a small child. get some help.
 
The bottom line here is that you are a very bitter person who is on a moral highhorse. Remember, YOU jumped into MY BUSINESS, I did not jump into yours. Remember that. YOU involved yourself in my life and my business. Did I ask for your opinion? No, I did not. Even after I asked you to go away, and post in the proper thread[s], you refused. You are on a moral high horse and have something to prove, but I can't see what.You are obviously a loser with no skills that has to take whatever job someone throws at you.

Thats the difference between us. I make all of the rules that affect my life. If I don't like something, I change it or get up and leave.

At least I have the balls to stand up to big business corruption and just say no to being bent over. You on the other hand just accept it.

You belong in a flock of sheep. I bet you think the government is there to protect you, right? I bet you believe the drivel that spews from the mouths of politicians. And, without a doubt you are a hardcore Democrat, for sure. That I would bet money on. All menial wage workers and welfare people are democrats.

You are a genuine loser, please go away now.


Respond to this report!
What's this?

#7 General Comment

You can stop splitting hairs any time

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

Just for your information, Steverino, I am no longer in collections.  I had to get out when I grew tired of dealing with entitled infants.  In any event, it was a job.  Not the best or most honorable job, and I wasn't a big enough jerk to do it well, but they crossed my palm with silver every two weeks and at the time I needed a paycheck more than I needed self respect.  Kids can't eat self respect.

Anyway, you have managed, in the act of correcting my memory, to reveal yourself as even more morally bankrupt that I believed, and I believed you were right down there with meth cookers and crooked cops.  Your constant wanking was irritating enough when I thought you'd managed to stand the banks down over debt you couldn't pay.  Finding out this was debt you just decided you didn't have to pay makes you even more disgusting.  Why didn't you just file bankruptcy and be done with it?  Let me guess, because it went against your principles or something equally asinine.  Instead you run away and when they find you, because they always find you, you stick your fingers in your ears and holler until they get bored and go find someone a little easier to scare, or someone with a metric crap-ton more integrity than you'll ever have whose conscience demands they do the right thing and pay what they owe.  In any event you got free use of somebody else's money.  Apparently this makes you smarter than the rest of us, who attempt to apply some sort of moral code to our behavior.

I expect I've lost you.  Too many multi-syllable words, perhaps too much talk about ethics.  Don't worry, there won't be a quiz.  You are void of character, in fact your continued know-it-all commentary reminds me of nothing so much as the sort of cockroach I've heard people complain about, the one who always manages to escape the traps and live to crap in the food another day.  You don't want a lecture.  I'm not your mother, and for that I thank any and every relevant deity because you are nobody I'd want to claim as a son.  You have an inflated sense of your own importance and you seem quite willing to abuse anybody you think occupies a lower spot on the food chain than you.  Do you have a Napoleon complex?  Were you having breakfast at a nice restaurant by yourself, or did you have to pay random homeless people to eat with you so you don't look as pathetic as you are?  I suck?  Could be, but you swallow.  Gargle for a full minute though, before you do.
Respond to this report!
What's this?

#8 Author of original report

MORE 'clarification" for Debra...STILL not getting it

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

Debra,
 
You STILL are not getting it. Maybe you should get out of debt collections and get a real job.
 
Below is your last response, and I will just reply to each statement within the post.
 
 
 
 
Debra wrote:
 
Steve, you have set yourself up as some sort of expert in dealing with collections over the past few years, and to go back through literally thousands of posts saying essentially the same thing would be a waste of time.  Don't speak on the phone, use registered mail only are only a couple of examples of your routine.  Collectors are thugs, jerks, cretins, banks are greedy, they messed with the best when they messed with me and on and on.  It gets old, man.
My response: First of all, I have not made thousands of posts regarding debt collection. That is a lie. I never told anyone to use registered mail. NOT ONCE. That is a lie. I never said I was the best, and I never called anyone a "cretin". These are all lies on your part. How about some FACTS? 

Are your scores with Trans Union and Equifax equally high?  You stress Experian, but I'm sure you know not all creditors pull a specific report.   If they're equally high, I congratulate you for your hard work.  The problem is what got you there.
My response: Yes, all of my scores are now high and within 90 points from high to low with Experian being the highest. By next quarter they will be even higher as I got my 3 different defaulted AMEX accounts removed and 1 BofA account. Its ALL good now!

I'm not remembering the specific details of what started your love affair with creditors beyond the 9/11 trashing of the travel industry, but I do know your explanation smacked of entitlement.
My response: NEVER once did I exhibit "entitlement to anything. Not once. 
They got greedy?  They wanted the money that you borrowed repaid to them.
My response: YES, they got greedy. I had a spotless payment history for 14 years and was not maxed out or anything negative when several creditors just decide to double and triple my interest rate and some even added annual fees, etc. THEY changed the rules. I called to see why and just got the standard "we are doing it to everyone" dumbass reply. Well, I wasn't going to live just to pay interest. They all gave me the same "take it or leave it" attitude, so I LEFT IT! It was the BEST decision I ever made in my life, and I would do it again in a minute! 
You've stressed that you intended to repay these debts, but you decided not to because of the aforementioned greed, because they called you and insisted upon a payment and they weren't cognizant of your situation and wouldn't agree to the payment schedule you were prepared to adhere to.
My response: Wrong, wrong, and wrong. You don't know what you are talking about. Not at all. I never had trouble making my payments as agreed. Not once. It was the dramatic rate hikes for no reason that would have been a problem. 
Newsflash, Steve - they don't have to do things your way.
My response: Yes, actually they should have done it my way, and they would have gotten paid! 
 When you started borrowing their money, you entered into a contract with them to repay it on their schedule.
My response: Your not my Mother, don't lecture me. I know all about contracts and finance. I was in the financial industry for years. You are a self righteous idiot moron debt collector. Go away now. HOW do you think I knew how to "walk away"? No amateur can walk away from 30+ creditors for over $170,000 and not have even 1 judgement! I beat every lawsuit to, and represented myself. Yeah, I AM an "expert".
 You weren't the only person unable to make good on their debts.  What made you a deadbeat was the act of walking away from them.
My response: You still don't get it, because you are a moron, like most debt collectors. I was NEVER "unable" to pay, just "unwilling" to be taken advantage of and screwed. BIG difference. You are one of those weak little idiots that will just "bend over" for big business. Well, I won't. And I won! Got that? I WON!!! I beat every single lowlife uneducated collector, every lawsuit. Me. The "little guy". Thats right. I am good & You SUCK. That is what your real problem is.

You did not win any sort of moral victory against your creditors.  You simply did all the things people in collections should do but usually don't, and you proved yourself too expensive to deal with.  They moved on to someone they could intimidate more easily.  Financial institutions deal with people like you all the time.  You're nothing new to them.   Really, the joy you seem to get out of abusing collectors is kind of sad.
My response: No, COLLECTORS are really sad because most of them are uneducated morons, alcoholics and drug addicts, and felons who can't do anything else. That's right, I BEAT THEM with their own system!! That's right! Did I tell you yet today that I AM GOOD and you suck? Just wanted to be sure I covered that.
 
What about RESPONSIBLE LENDING? I called the entire collapse of the financial industry back in 2002, and guess what? I WAS RIGHT! Again.Total arrogance, greed, and corruption was the problem, just like I called it. Just proud to have done my share to bring several of these multi millionaires and billionaires TO THEIR KNEES! Yeah, I am good, and guess what? YOU still suck!
Respond to this report!
What's this?

#9 General Comment

Eureka!

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

Steve, you have set yourself up as some sort of expert in dealing with collections over the past few years, and to go back through literally thousands of posts saying essentially the same thing would be a waste of time.  Don't speak on the phone, use registered mail only are only a couple of examples of your routine.  Collectors are thugs, jerks, cretins, banks are greedy, they messed with the best when they messed with me and on and on.  It gets old, man.

Are your scores with Trans Union and Equifax equally high?  You stress Experian, but I'm sure you know not all creditors pull a specific report.   If they're equally high, I congratulate you for your hard work.  The problem is what got you there.

I'm not remembering the specific details of what started your love affair with creditors beyond the 9/11 trashing of the travel industry, but I do know your explanation smacked of entitlement.  They got greedy?  They wanted the money that you borrowed repaid to them.  You've stressed that you intended to repay these debts, but you decided not to because of the aforementioned greed, because they called you and insisted upon a payment and they weren't cognizant of your situation and wouldn't agree to the payment schedule you were prepared to adhere to.  Newsflash, Steve - they don't have to do things your way.  When you started borrowing their money, you entered into a contract with them to repay it on their schedule.  You weren't the only person unable to make good on their debts.  What made you a deadbeat was the act of walking away from them.

You did not win any sort of moral victory against your creditors.  You simply did all the things people in collections should do but usually don't, and you proved yourself too expensive to deal with.  They moved on to someone they could intimidate more easily.  Financial institutions deal with people like you all the time.  You're nothing new to them.   Really, the joy you seem to get out of abusing collectors is kind of sad.
Respond to this report!
What's this?

#10 Author of original report

Response to Debra, Jim, and Leann

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

Let me Clarify.

First, I did not select the red text. I did a cut and paste and that was how it turned out. Don't know what to tell you. No, you didn't "hit a nerve" so stop patting yourself on the back.

Second, I had these 2 First Premier Bank cards for more than 3.5 years, as previously stated in my original post. My credit score has only been "good" for the past year or so. I used these cards to rebuild my credit.

Third, some people need to learn the difference in collections rules between collectors who are employed by the original creditor, and third party debt collectors.

I was being called by IN HOUSE, employees of First Premier Bank. Let me repeat, I was being called by the IN HOUSE COLLECTORS WHO ARE EMPLOYEES OF FIRST PREMIER BANK. Not illegal for them to call on Sunday. Unethical and aggravating? Maybe. Not illegal.

No scam. Just stupidity and arrogance by minimum wage thugs who just don't know any better.

Lets recap:

My ORIGINAL POST was ONLY intended to identify the uneducated thugs tat First premier Bank hires, and the policies they have in place that are unethical and just plain stupid. That's it. Nothing more.

Lets stay on topic, OK?

If you want to reply regarding my prior collections issues and statements here on ROR, please reply to those directly.

Thanks.

Respond to this report!
What's this?

#11 Consumer Suggestion

All I have to say is....

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

All I have to say is that in most states it is illegal for debt collectors to call on Sundays.  I'm wondering if perhaps someone was trying to scam you even though you did mention they said they were representing your credit card company.  I don't know how she could put that on your credit report as a default since you were only a day late (according to her).  That seems suspicious to me which is another reason I'm wondering if this was a scam.  She also demanded a payment by phone.  Another way to get your personal information.  In any event, she realized you weren't going to give her what she wanted and hung up.  I doubt a real collector would hang up.  Usually you have to hang up on them.   
Respond to this report!
What's this?

#12 Consumer Comment

Interesting!

AUTHOR: Jim - (USA)

Its always interesting when the OP doesn't like hearing the truth suddenly all new information shows up. If you have a credit score of 750+ then why are you using a subprime credit grantor?
Respond to this report!
What's this?

#13 General Comment

tomayto - tomahto

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

Steve-o, you crapped all over your spotless record when you folded your tent and left town.  As to your intention of paying, well, you folded your tent and left town.  Were they greedy - yes, they were greedy long before 2002, when you decided to teach them a lesson.  Apparently you are as successful a teacher as you are everything else because, whoops, they're still greedy.  Care to explain to lesser intellects why you have a credit card commonly issued to people in need of credit repair?  Nobody with your stellar credit score should need to be dealing with bottomfeeders like First Premier.  And what's with the red text, there, buddy boy?  Did I hit a nerve?
Respond to this report!
What's this?

#14 Author of original report

Update / response to Debra

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

Hey Debra. There was no "flaking" as you put it. Creditors got greedy, then displayed arrogance, and then they lost. The little guy won for a change, and the big guys got some costly education. And, it was 2002, not 2001. I had every intention of paying off those debts as my 14 year spotless payment history indicated.

 

 

You've come a long way, bunky

Debra - Apple Valley (, U.S.A.)

POSTED: Tuesday, December 14, 2010
How many years has it been since you flaked off on all those debts, again...oh, that's right, it was 2001.  Nine years since you piled everything you felt like keeping into a truck and bailed on your job and your debts.  Time enough for all those negatives to drop off your report.  Way to show 'em, guy.

Respond to this report!
What's this?

#15 General Comment

You've come a long way, bunky

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

How many years has it been since you flaked off on all those debts, again...oh, that's right, it was 2001.  Nine years since you piled everything you felt like keeping into a truck and bailed on your job and your debts.  Time enough for all those negatives to drop off your report.  Way to show 'em, guy.
Respond to this report!
What's this?

#16 Author of original report

Response to "Coast" re "rude" and "bad credit"

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

Hey "Coast", your are WRONG on both counts.

I was RUDE to this crackheaded idiot ONLY after she THREATENED ME. Do you have reading comprehension problems? Or are YOU a debt collector too?

Second, your "bad credit" theory doesnt fly either. As of 12-1-2010, my EXPERIAN score is 770. The highest score you can get is 850. I am in the top 15% as far as credit score goes with Experian.

Now what?

Respond to this report!
What's this?

#17 Consumer Comment

Settle down.

AUTHOR: Flynrider - (USA)

"Second, I MADE THE PAYMENT long before the due date. Can you comprehend this? I MADE THE PAYMENT 10 days prior to the due date. Can you hear me now??? I made the payment. "

  Read the last line of my post.  I didn't say you didn't make the payment.   I commented on what happens when the bank doesn't see the payment before the due date.

  I merely posted my experience with regard to late fees.   I was not disagreeing that this bank's collectors acted like jerks.   Only pointing out that most banks I have dealt with also act like jerks when a payment doesn't post on schedule.  

Respond to this report!
What's this?

#18 Consumer Comment

HA

AUTHOR: coast - (USA)

Flynrider, This certainly is not the OP's first experience with late payments. Anybody that does business with First Premier Bank has very poor credit and probably a history of defaults. I recently read that First Premier Bank charges for online payments and credit line increase requests.


Steve, The caller was out of line but you were rude to her. A bank that caters to high risk customers probably gets that "check is in the mail" excuse frequently.
Respond to this report!
What's this?

#19 Author of original report

Response to "Flynrider", and clarification

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

Flynrider wrote some nonsense about me being new at this, and then explaining how late fees work.

First of all, I'm 47 years old, and have had hundreds of different credit cards over the past 26 years, etc. And major credit and collections knowledge as previously demonstrated here on ROR over the past 5+ years.

So, now that we are clear that I am NOT "new to this", I suggest you re-read my report.

FYI...Any REPUTABLE bank will waive a late fee if you have had a spotless payment history like mine was for 3+ years.

Second, I MADE THE PAYMENT long before the due date. Can you comprehend this? I MADE THE PAYMENT 10 days prior to the due date.

Can you hear me now??? I made the payment.

My complaint here was the rude unprofessionalism I encountered with the collections thugs at First Premier, and the fact that they were calling from a blocked number.

Then the fact that they DEMANDED my bank account info over the phone. I don't give my bank account info to ANYONE, especially some crackhead idiot in a cubicle calling me from a blocked number. Common sense here, right? Do you have any of that?

Also keep in mind that the TOTAL balance on that card was $17.67!!

And, my other card with them has a credit balance! I guess I'll have to put them in collections to get my 14 bucks they owe me.

I fully understand banks are in business to make money. HOWEVER simple ethics MUST be applied to how that is done. Penalize your lousy customers, not your spotless paying ones.

With all of the fees involved, application fees, annual fees, monthly servicing fees, etc, it costs about $24 a month just to have this card in the first year even if you don't use it! In my third year, my cost to just have the card was $11 a month whether I used it or not, and I had 2 cards. 1 Mastercard, and 1 Visa.

Good riddence. I was looking for a reason to cancel anyway, and that crackhead idiot gave it to me. I can now put that $22/month savings towards my health insurance or something.

And, as of this month's credit update, my Experian score is 753, so they served their purpose!

 

Respond to this report!
What's this?

#20 Consumer Comment

You must be new at this.

AUTHOR: Flynrider - (USA)

"I guess these idiots cannot comprehend a mail delay, or lost piece of mail. Unheard of, right? "

  This must be the first time you've had a late credit card payment.   The late fee is a profit center for every card issuer.   I have never heard of an issuer NOT charging the fee when you're one minute late.   It's a pretty rare event to get the issuing bank to reverse one of these fees, but I have had it happen. 

   Bottom line, this is what you can expect from almost any card issuer if they don't see the payment by the due date.  

Respond to this report!
What's this?
Report & Rebuttal
Respond to this report!
What's this?
Also a victim?
What's this?
Repair Your Reputation!
What's this?

Advertisers above have met our
strict standards for business conduct.