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

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.

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.

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.

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.

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. 

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.

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.

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.

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.

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.   

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?

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?

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.

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?

"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.  

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.

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!

"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.