• Report: #1014113

Complaint Review: First Premier Bank Card

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  • Submitted: Thu, February 14, 2013
  • Updated: Sat, February 23, 2013

  • Reported By: Smith family — Norcross Georgia USA
First Premier Bank Card
Sioux Falls, SD 57117 Sioux Falls, South Dakota United States of America

First Premier Bank Card Call every day although I answer their ''restricted'' calls and rep hangs up Sioux Falls, South Dakota

*Consumer Comment: Hey Ms. Professional Bill Collector...

*Consumer Comment: You crack me up!

*General Comment: OM MFG (Guess what that means!!!)

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Debbie called our home yesterday and I took a message along with her phone number. This morning another rep called my home again (considered to be harrassing us). I asked who and where she was calling from and she hung up on me. Good for us, my husband doesn't have any other creditors calling him so I knew exactly who it was.



I called back and Diana answered. I told her I was calling to get the name of the rep that just called and hung up. Diana said that since I wasn't a FPB customer that she couldn't answer that. I told her that I wasn't asking for account specific information (violates FDCPA laws, I was a collector for 10 yrs). I asked for a supervisor and Diana said she is a senior rep in the dept. I asked what her supervisor's name is and she said Heidi. I asked to speak with Heidi and was placed on a very quick hold. Diana came back and said Heidi isn't available but another supervisor by the name of Pam was available.



Pam came on the line and I asked if their company is required to abide by FDCPA guidelines and she said yes. I told her to take a look at the acct and she will see that Debbie made contact yesterday and a message was left. She stated that yes she can see that. I consider this to be harrassment at this point. I explained to her that a rep had just called a hung up when asked where they were calling from. I told her that was unprofessional and just further confirms that they are violating FDCPA laws. I asked Pam for the reps name and she claims she cannot see the reps name only the reps number. She claims the reps supervisor would be able to see the reps name and address the matter. I think that rep needs to be forced to call me and apologize for her rude behavior. I'm certain nothing will be done and they will continue to break the law. I also asked Pam to note the account not to call before 12pm because we have a 5mth old on a random schedule...she claims my husband would have to put in that request...REALLY??? I consider that to be advised you are calling at ''inconvienent times'' per FDCPA...Why do they have to hide behind a ''restricted'' number??? Because they are breaking MANY LAWS!

This report was posted on Ripoff Report on 02/14/2013 08:43 AM and is a permanent record located here: http://www.ripoffreport.com/r/First-Premier-Bank-Card/Sioux-Falls-South-Dakota-57117/First-Premier-Bank-Card-Call-every-day-although-I-answer-their-restricted-calls-and-r-1014113. 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

Hey Ms. Professional Bill Collector...

AUTHOR: Jim - (USA)

Ha ha ha ha ha. Ho ho ho ho ho ho. Ha ha ha ha ha ha. Thanks

I needed a laugh!
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#2 Consumer Comment

You crack me up!

AUTHOR: Flynrider - (USA)

"  Good for us, my husband doesn't have any other creditors calling him so I knew exactly who it was.  "

    So, you're aware of who your husband has stiffed and are hoping to concoct some way to get out of paying this creditor.    Sadly, this isn't going to work.    It appears that what you know about the FDCPA and collection in general could fit into thimble.   None of the assertions you claim to be violations of the FDCPA are actually violations of anything.  

  Deadbeats often try and turn the tables on their creditors, and in some cases they can be successful.   Unfortunately for you, it does require some minimal knowledge of the laws and procedures that apply, which you do not appear to posses.   Better luck next time.

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#3 General Comment

OM MFG (Guess what that means!!!)

AUTHOR: IamGood - (USA)

So, you pride yourself as being a bill collector for 10 years, AND YOU KNOW THE LAW.

If this is a true statement, there is no such thing as INCONVIENT HOURS.  The hours that a bill collector  are permitted to call is from 8am till 9pm, MONDAY THROUGH SUNDAY.  If I was collecting your account, I would not give a rats ass about your 5 month baby on a "Random Schedule".  I would call two or 3 times a day "leaving messages" till your husband decided to call me back.  I would even call him on his job, and leave messages with the switch board If he did not have access to a phone. 

Further I would leave the message as something like this "Hello , I need to speak to Joe Deadbeat, I am with ABC Bank, and it is VERY IMPORTAINT that he call me right away.  Can you see to it that he receives this very importaint message?  Thank You.  I would continue to call every day at his job till he either calls me back, or sends me a certified letter to stop calling  his job.  Even if his job requested I not call him any more, I would request they notify me in writing.  TOTALLY LEGAL, NO VIOLATIONS OF THE FDCPA.   

It is legal for them to call from a blocked number, because otherwise deadbeats would not answer the phone. 

When I used to collect if a person was stupid enough not to answer the phone, but let it go to  voice mail, I would put the call on auto dialer, and instruct it to call over, and over, and over again 60 times a day, without leaving a message.  This way I am not violating the law because I did not leave a message, but I am harrassing the hell out of you by making you hear the phone ring from me 70 times a day.  

You would get so sick of the phone you would either go to the expense of changing your number, or just unplugging your phone.  Either way I WIN, YOU LOSE!!!!

If they leave a message, and the debtor does not call them back, they are permitted to call each and every day, until they speak to the Debtor.  You are not on the account, so they can not give you account specifics, only the name of the Company, and that they need your husband to call them back.

I love the fact that because this girl "Debbie" had the NERVE to hang up on you, that you feel that Debbie should apologize to you????? GIVE ME A BREAK.  I think that after you give your husband the message, and he wont call them back, I feel he MUST Call Debbie, and apologize to Debbie.

There is a cause and effect relationship here, If your husband pays his bills, he wont get multiple phone calls. So you should tell your husband to pay his bills. 

That is why I know you are LYING through your teeth about being a former bill collector.  Perhaps you were a file clerk, but you never collected a past due bill.  You are trying to deflect from the fact you have a bill that you wont pay, into wrong doing on the part of the Bank.

Finally in closing the FDCPA only relates to a 3rd party agency collecting.  If this is the bank who issued the credit card, or loan, they are not subject to the FDCPa.  This is also another Dead GiveAway that you are nothing but a LIAR!!!!!! 

So just tell your husband to pay his bills, and people like me wont be chasing you down.  HA HA H A H A H A  HA HA HA HA HA  HA HA  HA
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