First Premier Bank First PREMIER Bank Wretched Company Caused Error But Still Insists on Reporting Inaccurate Chargeoff Sioux Falls, South Dakota

First Premier bank is a wretched company full of horrific people. 
I have started a blog to help people collect information about this company and its practices. I would love any of you to visit the blog as well:  firstpremierbankisevil.blogspot.com

This is the story:

Due to their own bank error, they processed my payments but did not apply them to my account.  While I was traveling, they charged off the account and reported this to the Credit Bureaus.  When I called, they profusely apologized for the bank error, took my full payment to close the account, and promised to have all the negative notations removed with the Credit Bureaus.  After all, it was their own error that caused the negative notations.  After I made the payment, they mysteriously "forgot" all about their agreement with me.  They now claim to have NO knowledge of their error.  When asked to provide evidence and information regarding the employee I talked to, they said all information about my account has been "purged."

These people have repeatedly claimed that I should be proud to have them because they offer credit to people with bad payment histories.  My credit report shows PERFECT payment history, with the sole exception of their company. This is why I first tried to close the account right after it was opened, because I realized this SCAM CARD was not appropriate.  I called them to cancel the account, and they threatened me.  The representative told me that First Premier would act to "ruin my credit" if I canceled and protested the fees!  I hadn't even used the card! 

I have disputed with the credit bureaus, but the history keeps coming back verified, despite the bank error that caused this.  I have contacted numerous regulatory agencies (the Federal Reserve Board, etc.), but First Premier simply claims to have "no record" of their promises to me!  How convenient!

They send out form letter responses and refuse to change their errors.  I think they fear that changing their errors will admit some kind of fault on their part that I could sue for later.  But I have made it very clear that I will be suing if, and only if, this erroneous reporting with the Credit Bureaus does not get taken care of immediately!

For the love of God, do NOT deal with this company!  The