FIRST PREMIER BANK Ripoff Reports, Complaints, Reviews, Scams, Lawsuits and Frauds Reported

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26, Report #35507
Nov 18 2002
02:40 PM
FIRST PREMIER BANK INFO RIPOFF victimized SIOUX FALLS South Dakota
i HAVE SOME INFO THAT MIGHT HELP. i READ A LOT OF THE LETTERS AND IT SEEMS A LOT OF THEM HAVE DIFFRENT CONTACT NUMBERS. i RECIEVED A LETTER FROM THEM TODAY ASKING FOR MY ss#, COPY OF MY PAYSTUB, COPY OF W2 FORM, LETTER FROM EMPLOYER AND LETTER FROM SS ADMINISTRATOR BEFORE THEY WOULD ISSUE ME A CARD. FUNNY THING IS I NEVER ASKED FOR ONE. THEY ALSO GAVE ME A FAX# THAT MIGHT HELP. 1-888-604- 9428. ALSO A LADY BY THE NAME OF BARB MURRAY WHO IS SUPPOSEDLY THE MANAGER FOR CONSUMER CREDIT SIGNED IT. I HOPE THIS INFO HELPS. MARLENE deptford, New Jersey
Entity: SIOUX FALLS, South Dakota
27, Report #30252
Sep 17 2002
10:30 AM
FIRST PREMIER BANK ripoff -- DECEPTIVE Sioux Falls South Dakota
I received in the mail A GOLD MASTERCARD REQUEST FORM. ON THE FRONT IN RED LETTER IT STATES NO UP-FRONT PROCESSING FEE--NO SECURITY DEPOSIT . You can either Fill out the APPLICATION OR CALL 1-800-757-6331. WHEN YOU TURN THE FORM OVER YOU WILL SEE THE TERMS !! APR - 18.9% purchases APR - 18.9% Cash advances FEES FOR ISSUANCE OR AVAILABILITY OF CREDIT ACCEPTANCE FEE - $119.00 Annual Fee - $50.00 Participation Fee--$72.00 Annually Addition Card Fee - $20.00 Ext. ext. ext. THIS IS OBVIOUSLY MISLEADING OFFER
Entity: Sioux Falls, South Dakota
28, Report #49446
Mar 16 2003
04:49 PM
First Premier Bank ripoff consumer fraud ripoff Sioux Falls South Dakota
i was told my secured account would be in an interest bearing account figuring,o.k. that will offset some of the high interest.(LIE). I was told when i sent in the amount for security the whole amount was to be applied to c.c. account.(LIE). THEY CHARGED A $69.00 fee to the card,minused off the amount i sent in. Tomorrow when i call to close the account since they have me over drafted when i have made 4 to 5 times the min. payments,i will pay the overdraft and see what stunts they try to pull on me. I WILL let other consumers know of the out come by the end of the week. Richard bonifay, FloridaU.S.A.
Entity: Sioux Falls, South Dakota
29, Report #47784
Mar 03 2003
06:01 PM
First Premier Bank rip-off phony fees charged Sioux Falls South Dakota
Sirs: I have a credit card from First Premier Bank. I was charged a $25.00 over limit fee on 1/20 and another on 1/21. I was NEVER, NOT EVER, over limit based on my purchases. I have had the account for almost a year and pay the full balance on the card each month. On one or two occasions I paid $300 or $350 on a $400 balance. I have NEVER made a late payment and in fact pay within a day of getting the statement in most months. At the end of the January billing period, a yearly fee was added at the end of the billing period with no notice to me of when it would be added. I check my balance by phone nearly every day just to be careful, and never knew it was added until I got my statement on 1/28. I called that day and the first over limit charge was credited, but I was never told there was a second one, both arising not from my purchases but from their addition of a fee without telling me when it would be added. It is clear that the fee is added at the end to deliberatlely generate as much phony fee revenue as possible. This is outright consumer fraud, it not theft. Anyway, I was never told of the 1/21 second over limit fee in my pnone conversation of 1/28. Remember that my $350 was already credited to my account by 2/1. I was charged $50 for over limit when the only thing that put me over limit was their fee. Also remember that I was never, ever late on the account and had a spotless payment record. I do not know how these people can look in a mirror. I spoke with a supervisor named Corine, who was rude and insulting to me. I cancelled my card due to the fraudulent and dishonest way they do business. Ralph Port Angeles, WashingtonU.S.A.
Entity: Sioux Falls, South Dakota
30, Report #11298
Jan 11 2002
12:00 AM
First Premier Bank THE BIGGEST RIP-OFF WITH HIDDENS FEES AND POOR CUSTOMER SERVICE
I APPLIED FOR A CARD THROUGH FIRST PREMIER, I THEN WAS SENT TWO CARDS WITH $250.00 CREDIT LIMITS, WHEN I CALLED CUSTOMER SERVICE TO SAY THEY SENT ME TWO CARDS, THEY SAID MY APPLICATION MUST HAVE BEEN PROCESSED TWICE. AND THAT I OWED THE PROCESSING FEES THAT THEY PUT ON THE BALANCE. I REFUSED AND THEN CUT THE CARDS UP. I HAVE SINCE BEEN RECIEVING BILLS WITH LATE FEES AND AND NON-PAYMENT FEES HAVE OCCURRED. NOT THEY HAVE TURNED IT INTO THE COLLECTION AGENCIES, WHO SAY THAT THEY CAN CUT THE COST BY 25% AND I HAVE TO NOW PAY THE REMAINING BALANCE ON TWO CARDS I HAVE NEVER USED. I SPOKE WITH CUSTOMER SERVICE AND THEY SAY THAT I GAVE VERBAL AUTHORIZATION WHEN I CALLED THE FIRST TIME I CALLED TO INQUIRE ABOUT THE TWO CARDS. IN WHICH I DID NOT. I HAVE SINCE THEN PULLED MY CREDIT REPORT AND SURE ENOUGH BOTH CARDS ARE ON MY REPORT. Yolanda Morrow, Georgia
Entity: Nationwide
31, Report #11948
Jan 19 2002
12:00 AM
First Premier Bank, bogus late fees, overdraft fees, harrassing phone calls
I was issued a card from First Premier Bank a while back, and every time I used the card I was given a statement back with overdraft fees, late fees, and harrassing phone calls. I paid for this $350.00 credit card probably four times the amount that was owed due to the associated fees. On November 30th, 2001 I just got fed up with them and decided to cancel the card and pay one last time and never to hear from them again. The representative that I spoke with assured me that if I sent them $300.00 by Western Union them would never hear from them again. To my surprise, a few days ago I recieved a statement in the mail for $387.00 from them. I was furious. I called one of their representatives and she told me that this amount was from fees associated with the card. I told her about the so-called taped conversation with one of their representatives and she became very rude with me and threatened me that if I don't send this amount in to them, I would have this put on my credit report. I replied, for a card that was supposed to be cancelled. I just could figure out how in two months a card that hasn't been used and supposed to be terminated come up with $387.00 worth of fees in less that a month and a half. While at work I decided to research their company and maybe write a letter to someone that is responsible. To my surprise their has been other victims in this scam as well. Sincerely, Mr. Johhnie L. Fair Jr.
Entity: Sioux Falls, South Dakota
32, Report #29091
Sep 05 2002
09:24 AM
First Premier Bank political corruption ripoff Sioux Falls South Dakota
Outlandish ripoff late fees, gave me a card that assures I will get 250.00 credit limit but, was only able to charge $6!!! the rest was already owed political corruption rip off scam con artists political corruption outlandish ripoff late fees. I received the First Premier Bank card saying and assuring it will better my credit ratings... when I got the card I wasn't able to use it because the limit was already owed on initiation fees, participation fees and enrollment fees. Knowing this ,I called to cancelled the card and they said I couldn't and that I needed to pay the balance owed. Although, I sent back the card and asked them to cancelled the account (which they did closed the account) still they are charging me per month all kinds of different late fees. It all started with $250, now supposely I owe them $500.00 in late fees!!!! and I got bad credit from them too on my credit report. Argelia Oakland, California
Entity: Sioux Falls, South Dakota
33, Report #27915
Aug 25 2002
08:34 AM
First Premier Bank RIPOFF HIDDEN FEES Sioux Falls South Dakota
First Premier Bank issued us credit cards under two separate accounts. Before we could charge less than $60. on the first account the bank sent us a statement billing us for $298 in hidden administrative fees--none of which we agreed or contracted to pay. We immediately CANCELLED these accounts in writing by and sent the bank by certified mail a money order for the total amount of charges made plus the interest finance charge on the balance. The bank wrote us only one letter so far threatening late fees on the unpaid outstanding balance. At the same time the bank has left us daily and persistent automated messages on our voicemail to call the bank--no for fear of incriminating themselves should they reduce their demands for payment of these fradulent hidden charges to writing. This is another typically FRAUDULENT operation that sorely needs to be put out of business permanently! Joseph Jr Berkeley, California
Entity: Sioux Falls, South Dakota
34, Report #26099
Aug 05 2002
12:32 AM
First Premier Bank ripoff Sioux Falls, South Dakota
I recieved an offer for a credit card over the phone. They advised me that they would send me a credit card with low interest and only a one time sign up fee. I said yes to that agreement. I then recieved the card and checked and found that they had given me the credit limit of 250.00 but charged me 158.95 for having the card. I used the card one time and know not only do I have the charge of the use but they added an additional 25 charge for debits that I never charged. Eldon Columbus, Ohio
Entity: Sioux Falls,, South Dakota
35, Report #41657
Jan 15 2003
07:19 PM
First Premier Bank rip-off fraud scam Sioux Falls South Dakota
Low interest hook; High payment Surprise; Zero compalint satisfaction ..... I have read the complaints about not reading the disclaimers. I do read them. However, I never got a chance to read First Premiers'. I received a letter from First Premier Bank thanking me for applying for their low interest credit card and telling me it would be sent as soon as I satisfied them, by enclosing a paycheck stub, w-2 or other item to prove my employment income. Well thinking I applied to them for a credit card, as I had applied to a few banks to re-establish my poor credit; I sent the information and soon received my card. It had a $350 Credit limit. Not much, but I am rebuilding, remember. Then I received the monthly statement. $193.95 WOW! Well. I immediately read the disclosure I received with the card. WOW, the Fees are huge! So, I followed the disclosure instructions (VERY IMPORTANT) for canceling the card and did so. I have made mistakes in my life, but I am sure I did not apply for a First Premier Bank Credit Card. I can only surmise that they purchased my name from a looking for credit mailing list and sent me an unsolicited approval letter. Beware Wayne Bradenton, FloridaU.S.A.
Entity: Sioux Falls, South Dakota
36, Report #16837
Mar 15 2002
12:00 AM
FIRST PREMIER BANK ripoff SIOUX FALLS South Dakota
AFTER PAYING MY CREDIT CARD, LEAVING ONLY A $3+ BALANCE, FIRST PREMIER HAS YET TO RELINQUISH AVAILABILITY OF CREDIT, AS PROMISED. NOW, I HAVE TO TAKE SOME RESPONSIBILITY. MY INITIAL PAYMENT DID NOT GO THROUGH, SO THEY PUT A 15 DAY HOLD ON MY SUBSEQUENT CHECK BY PHONE. IT WAS FOR $200. WELL, 15 DAYS HAVE GONE BY AND THEY HAVE RELEASED $99 OF THE $200 PAYMENT. sINCE THEN, I MADE ANOTHER PAYMENT BY PHONE, LEAVING THE BALANCE MENTIONED ABOVE. I HAVE MADE TWO CALLS REGARDING THIS ISSUE AND AM, APPARENTLY, GETTING THE COMPLETE RUN AROUND. I HAVE NO CHARGES PENDING ON THIS CARD. THERE IS NO REASON FOR ONLY $99 TO BE AVAILABLE. THEY HAVE SOME EXPLAINING TO DO. THEY HAVE MY MONEY. I HAVE VERY LITTLE OF MY CREDIT. I EVEN VERIFIED WITH MY BRANCH MANAGER THAT THESE CHECK BY PHONE PAYMENTS WERE HONORED. NO, NOT THE INITIAL, BUT THE SUBSEQUENT 2 THAT FOLLOWED. CAN'T ANYONE JUST DO THE JOB THEY ARE BEING PAID FOR AND GET IT RIGHT. THIS IS VERY FRUSTRATING. I LITERALLY TRIED TO MAKE A $100.00 PURCHASE TODAY, AND BECAUSE IT WAS $1.00 OVER AVAILABLE CREDIT, IT WAS DECLINED. NOW WHERE IS CUSTOMER SERVICE THERE? LIKE I SAID, THEY HAVE MUCH, MUCH MORE OF MY MONEY THAN THAT AND ARE DECLINING MY REQUESTS. THIS IS SUCH A WASTE OF MY VALUABLE TIME, HOWEVER, WELL WORTH HITTING THEM ON THE RIP OFF REPORT. SHAME ON YOU FIRST PREMIER. YOU ARE NOT PROVIDING GOOD CUSTOMER SERVICE. YOU MAY AS WELL BE ONE OF THOSE CHEAP CC COMPANIES THAT RIPS PEOPLE OFF AS A POLICY. DISAPPOINTED IN PARADISE. JULES BUCK :( JULIE CAPTAIN COOK, Hawaii
Entity: SIOUX FALLS, South Dakota
37, Report #213585
Sep 30 2006
04:08 PM
First Premier Bank scammed Sioux Falls South Dakota
Everything was okay with the First Premier Bank Platinum credit card, until I made my first payment. When I made a payment of the entire balance amount, my account was deemed suspicious. I talked to a live person and he said that it was very normal for the customers and that there was a warning about Payment Verification on the back of my bill. I have no available credit now even though my account is in good standing. This could last the 16 days they promised, or twenty, or as many days as they desire. By that time my next payment will be due. I told the representitive that I was going to write this up in the news, right before I hung up on him. If you want to read it go to http://www.associatedcontent.com/article/67955/buyers_beware_first_premier_bank_platinum.html Rose peebles, OhioU.S.A.
Entity: Sioux Falls, South Dakota
38, Report #534057
Dec 04 2009
06:32 PM
First Premier Bank Major Ripp Off Sioux Falls, South Dakota
Annie of Junction City, OH December 1, 2009I have had this Visa through First Premier Bank for years, and have had NOTHING but trouble. The latest probelm was back in August someone had stolen my info and used my credit card online, I called in and closed that account and opened another with a NEW card-no problems I thought.Anyway I recieved my new statement and I seen where my account was closed, I called in and this woman couldnt even tell me anything. She stated the ONLY way to re-open my account was to go through another credit check which lowers your credit score, and then I would have to pay more fee's on top of that. My balance was almost paid off and they want me to start all over again-its a RIP-OFF!They charge all these fee's to just have the card, which is CRAZY! This is a scam and I want as many people to know about what they done to me. Even the Supervisor I spoke with named Mellisa couldnt even help me, all they wanted to do was open a NEW account with new charges and NEW FEE'S, no thank you! This company is a JOKE!I cant use my credit card now for Christmas, I paid it almost off in order to buy my Children's Christmas now I cant even use my credit card because of what they done to me.Jillian of Doylestown, PA December 1, 2009I have been using this credit card for close to two years now. I have never charged anything over my balance and EVERY month I have paid them on time, with the exception of a single month where my payment was two days late. That month I called them to apologize about my payment and made the payment over the phone (for an eleven? maybe seven? dollar processing charge), to not be hit with a late fee.Each month I send them a check, write the amount in my checkbook, and am done with it. Whenever I have checked my online account with them the payments have gone through. Last month I looked at my online account and noticed that I was charged a tremendous amount for being over my limit. Frantically trying to avoid late charges, I paid the penalty and the past due balance.I never received a confirmation number, but moved on with my bills.This month I went, like clockwork, to pay my bill. I checked my balance again and now apparently owe this company nearly 500- 250 of which are in late payment charges. I do not know HOW they possibly pulled this off. Did they lose my check? Did their automated system not process my payment? I don't know.But I called them today and asked them to please look at my payment history- which is squeaky clean- and credit me money back for the late charges, and the woman with whom I spoke told me the best she can do is credit my account 35. That means that I have to come up with the 250 before the end of my bill cycle or I get charged with another 50.This is a scam. There is no question about it. This NEEDS to be investigated because this operation can NOT be legal. I can now not pay this company and continue to accrue debt that I know that I do not owe. I have also been having severe anxiety over this, as I do not have the money to pay them but cannot let this go to a collection agency because I am trying to clean up my credit. Someone needs to please help by looking into this, because I guarantee you it will not be a waste of time. There are many victims involved.shirley of middleburg, FL November 27, 2009I signed up for this card. Was charged 175.00 to do so. I was making all monthly payments on time every month. One payment they said was last and from then on I been charged a 50.00 late fee. I cancaled this card. My bill goes up every month month even after I make a 50 and month payment. They have called me so many times its not funny. They will not stop adding to my bill.Robert of Fortuna, CA November 20, 2009My wife & I were looking for lower-interest rate cards to consolidate & pay off our credit card debt. We have excellent credit ratings of 793 and 804. We applied for what appeared to be a legitimate credit card offer. I think it was a gold card, so we were under the impression we were applying for a 5,000 to 15,000 credit limit. We submitted an online application, and the bank website appeared to be legitimate. Three weeks later, I received an e-mail stating we had received a 300 (yes, get this, 300) credit limit. Our Costco card has a higher limit than that! If that weren't enough, the e-mail notification stated we had 121 in available credit. That basically implies we have 179 in charges, and haven't even received the cards yet, nor an account number! Apparently interest has already begun to accrue, as our first payment is already due -- yes, on the card we never received.My wife doesn't recall seeing anything about 179 in up-front fees being charged to open an account. She says she thinks she read something about a 75, and maybe a small annual fee. That (the annual fee) wouldn't have been so bad, had we at least been offered some reasonable line of credit. But we've already racked up 179 in fees, and we don't even have the product. Let's see, the card initiation fees are 59.6% of the total credit limit. Is that legal? Aren't there laws and consumer protections in place to prevent this? I filed a complaint with the FTC, as the company's business practices constitute false advertising, and might be construed as fraudulent. I'm also filing consumer victim reports with the Big 3 Credit Reporting agencies, and will report these problems to the credit agencies, such as Experian.I read there have been several FTC actions taken against outfits like this -- one I read of was operating out of Canada. I think the FTC issued a cease and desist order. I'm really ticked, because my wife & I have worked really hard to establish good credit. It would be terrible if these people are to ruin my good credit rating through their terrible business practices. Please help. I want them investigated and for actions to be taken against them, to the full extent of the law.Edith of Riverdale, GA November 19, 2009Someone from the Premier Bank Card center called my job trying to get me to switch my credit card to their card claiming that I would lower my rate. I told her that I was on a no call an asked how did she get my #. The lady said that I sound just like Obama and asked who did I think I was and hung up. This did not cause any economic damage but is sure cause a lot of stress. Calling no less on my job. She asked for me by name my full name.Jessica of Manchester, NH November 18, 2009These people are ridiculous. They break FDCPA more than I can even COUNT in one conversation, and have the most insane, awful attitudes I've ever encountered. I was paying them even WITH being unemployed, and when I called to arrange payments for later, they tried to sell me on paying the whole things off. When I explained that I could not, they just got angrier and explained it was for MY benefit. I then was unable to make payments briefly but was still contacting them to let them know I was trying, and paying what little I could here and there.I then started receiving ILLEGAL voicemails from one of their reps Daisy disclosing all of my private information on my voicemail, and even going as far as to curse. Just recently, after I decided to just pay online (to the tune of 7 per online payment fee), they started with the calls again to tell me I am past due.The first one I got was 2 weeks ago, and was received while I was at work. I politely explained that I was back to work, and would love to set up arrangements now that money's coming in, but that I could not speak as I was at my place of employment. I asked for a number to reach Ms. Casey (no last name), at. She refused, and gave me a speech about how she's trying to help me, and that if I don't work with her, I'll lose whatever deal she THINKS she's giving me. I explained again that I would truly like to get back to her when I'm NOT at work, and asked for the number. She refused and claimed that she had left me numerous messages (funny, because I hadn't received ONE since daisy months ago) and explained that I needed to talk to her now. I asked for the number again, and she raised her voice and began harassing me. I then hung up.Another phone call came the next week - SAME TIME - I answered and explained that I would like to call them back/have them call when I'm not at work, the EXACT same speech from the EXACT same rep! I explained that her behavior last time turned me off from wanting to contact her, and that if she listened to me this time, I would call her when I got home. She then proceeded to harass me with the exact same speech - like she was reading off a script! I then said that I was happy making the payments online, but assumed she would like a commission, and that if she just GAVE me her phone number/extension I would call back that evening. She explained that I apparently avoid responsibility etc. etc. and I promptly hung up on her again.What is with these people? If they would just treat the customers with dignity and respect, maybe we wouldn't be avoiding contact with you? And if you weren't so sketchy, and so idiotic to call at the SAME TIME that someone had said was a BAD TIME an expect a different outcome, maybe I'd have more faith in your company. Having worked in collections, I'm disgusted.starleen of sussex, NJ November 17, 2009I'm just yesterday mine first premier bank statement. I'm was paying online in my bank account. now was paying every month. them tells mine overpayment one month and at add over limit want me pay 116.18. that mine payments only 25.00 an month. that can't pay all this. that scam. that last credit limit at 325.00. now them had total balance of 391.18. them scam me always.Them add of Finance Chsrge at 9.90% -balance and 19.90% on cash advances was at last year. can't pay anything that them scam me. that them just at payment of 25 from my bank account .that so frustrating.mine disable was 2 strokes. can't talk very well though and losting everything from they doing this. please help me this. thank youDavid of Newport News, VA November 14, 2009Since I've opened this account two (2) months ago, I was given a credit limit of 250.00. My initial credit after all the charges were deducted from this account was only 71.00. I made a few purchases and when I checked my balance a few days later, I was seeing a charge of 2.00 that I was overdrawn but that my credit limit had somehow had dropped from 250.00 to 200.00. I then went and made a payment on line for 50.00, of which they charged me 7.00 to make and then called them and confronted them about the over limit amount. It took me almost an hour and a half to get the point across that the reason for the over limit was due to their changing the limit amount. I have since made another payment on line which will cost me another 7.00 out of the 180.59 that I paid.I was told that the funds were on hold until the 14th for clearance but that when I used the card, the amount that the charge was for is instantly deducted from my available balance. I do all my payments on line and there is only a couple that charge for that type of payment. All the other payments that I make get posted either within minutes of the payment or by noon the next day. The only reason for an electronic transaction to take any longer to process than that is that the funds are being held to draw interest before being posted.I received many an e-mail from this company saying 'how much they wanted me back' and then they treat me with this kind of disrespect, I DON'T THINK SO'. There is no reason for an electronic transfer to take three days to post to an account, no mater what. My SSAN, disability, even my income tax is posted to my balance of my checkink account within minutes of it being sent by these organizations so why should it take all that time to post to my account other than this companys' greed for money. PEOPLE BEWARE, FIRST PREMIER IS NOT TO BE TRUSTED!!!!!!!!!!Nicole of Las Vegas, NV November 13, 2009This company is one of the worst companies in the banking industry. Not only are they charging 39.00 overlimit fees and 39.00 late fees, they charge you over 200.00 to get a 300 credit limit. Then, they make it sound like they're doing you a favor by making your credit history better! They're not.It's an 'unsecured' credit card run by unsecured banking executives reaping the rewards of those of us whom have credit impacted by the current economic situation or by other situations beyond our control. These are the 'bottom' feeders of the industry and should have fines assessed their company in the same amount they charge their customers.Shalaunda of Picayune, MS November 9, 2009I have been out of work for 2 years now, constantly have been looking for a job and was receiving unemployment. Prior to all of this happening, I paid my credit card with this company and everything else, actually usually more than the minimum. When my unemployment ended, that left everything on my husband to pay, needless to say, we are stretched! I received a call that started out okay. Then she went through the usual spill that my card was past due. I let her finish and explained that I am not working and I am not receiving unemployment. She then asked if I was working and when did my husband get paid, I replied with, Yes he is working.She then asked if he could pay and I told her no, he is taking care of enough. This is when the call took an interesting turn. She then asked how long have I been out of work, I told her 2 years and she said, I find that hard to believe. Well, you need to figure out how to pay this. I then hung up. Are these people serious? I have been looking for work for all this time, and I usually get the, You are over qualified speech.What am I supposed to do? I want to file a complaint against them because they are so very rude when people are trying to explain their situation to them. They are some of the few people that have managed to keep their jobs. UGH!!!! They have also charged me excessive fees when they contact me to set up a payment, I have to pay them a phone fee in the double digits or if I pay online, I still have to pay a fee. What can I do. We are living in very different circumstances these days and it is really hard.
Entity: Sioux Falls, South Dakota
39, Report #387352
Nov 03 2008
05:08 AM
First Premier Bank Unauthorized Checking Account Withdrawal Sioux Falls South Dakota
I have no idea how they got my information, but First Premier Bank has made TWO unauthorized checking account withdrawals from my Chase checking account. I am currently out of the country, and when I checked my account on www.chase.com, I noticed that my checking account had been debited $230 on October 29, 2008 and $164 on November 2, 2008. Both debits were made by First Premier Bank. I called the Chase Fraud Department right away and they said that they would have to issue another debit card because from the looks of it, the debits were made over the internet. Also, I have to wait 10 days to fill out paperwork and get my money returned in my account. The only problem is that I do not have any idea as to how this company got my information. I am very secretive with my account information; my closest family members do not even have access to my accounts. This bank is making fraudulent charges and something needs to be done about it. I tried to contact First Premier Bank, but it's automated system does not have an option to speak to a representative, and you can only get through if you have an account with them. I plan on hiring a lawyer and going after this bank. From what I have read, I am not the first person that this has happened to. Cakana16 Chicago, IllinoisU.S.A.
Entity: Sioux Falls, South Dakota
40, Report #353824
Jul 21 2008
03:34 PM
First Premier Bank Harassing, ANNOYING, RUDE people! Sioux Falls South Dakota
Just to let anyone know if you are applying for this credit card DON'T! When I first got the card, they charged me 179.00 in start up fees. So I only had I believe 50.00 on the card, and the immediately sent me a bill for 25.00. So as the economy has been rising, its been harder to pay these little bills. I only used the card two times, on small purchases, that were no more than 20.00. I could not pay the 25.00 for the first bill, as rent was a little more important. So from the end of last month, until now , almost the end of July, they call non-stop. They call 6 times a day on my home phone, and more on my cell phone. My sister picked up the phone, and asked what the hell they wanted, and the woman, Brenda, over the phone said, we need to speak to the card holder. and my sister said, well she isn't here, whats it about and Brenda said that my sister had no business talking about my business, which is totally bull, since I live with my sister. So for about 10 minutes this lady from Premier Bank and my sister were yelling over the phone. Great huh!? I simply cut the card up and told them to bill me. They also have way TOO MANY hidden charges. Also the lady at Premier Bank was so ready to give my sister the Better Businesss Bureau number. Anonymous anywhere, MassachusettsU.S.A.
Entity: Sioux Falls, South Dakota
41, Report #473962
Jul 27 2009
07:55 PM
First Premier Bank Fraudulent, uncooperative, difficult to work with Sioux Falls South Dakota
Introduction: why I signed up with First Premier Bank I had trouble getting financing for a car. I do not have bad credit - in fact my credit is pretty good. It's not excellent because there are two errors on my credit report (three errors actually but two are one incident) and I have the documentation to prove my report is in error. I just hadn't gotten around to writing the credit bureaus about it and didn't consider it important since I have letters from both my attorney and my former creditors. The matters are paid in full/paid as agreed. However, despite that the reason I couldn't get financing is I don't use credit unless I need it. I closed all my credit cards many years ago and I HATE debt. So, I made the decision to close my cards and not carry any debt. The only debt I had was month-to-month utility bills - not anything anyone would consider debt, and a cellphone contract, which is an outstanding liability from an accounting perspective, since I am liable for two years' cellphone services. Now, I've financed a car before, and the car wasn't cheap. I never missed a payment, and never, ever made my payment late. When I went to get financing for a new car, I ran into a problem: my credit is good, but it is now a limited credit history. In other words, while I pay my bills and am not a deadbeat, I do not utilize credit. I'm considered a bad risk even though I pay my bills, but deadbeats can get financing without any problem. ANYWAY, I read up on how credit works now since the credit crunch started, and found that they like to see credit cards with an average 35% utilization, that is, your credit card balances being used regularly and balances averaging 35% of your average credit. Application: Time to be a sucker! So, it was time to get a credit card. I went to best buy to buy something frivilous and pay it off over a few months, and was denied. So, I went searching for unsecured no credit credit cards, and found First Premier. I signed up, accepting that their $179.00 worth of fees (application fee, annual fee, sucker fee, etc.) was the cost of getting back into the game. I was accepted (of course) and would receive my card in 7-10 business days. Fine. A few days letter I received a letter from First Premier informing me I will be receiving a card and my account has a $250 credit limit, but if I pay my first minimum payment today (presumably the first day I am possibly able to - the day I receive my card so I can get my account number and enroll, etc) then I would receive a credit limit increase. Four days later I received my card. Much to my surprise it was already activated (Uh, isn't this dangerous, First Premier?). I promptly made a payment: I paid off all but $4.00, electronic payment. I accepted their internet payment convenience fee and expected the check to clear immediately, just as Federal Law now requires (bank-to-bank checks between U.S. banks now clear instantly). It is now 6 days later and while the funds have been withdrawn from my checking account, and it shows as paid in my account summary, my available credit is not $246, but only $60.00. Why $60.00 and not $71.00? My Paperless billing and internet payment convenience fee were not added to my check as I expected, but added to my balance. So, I now have a balance of $14.95, not the $4.00 it should be. That's right! They charge those fees to the account so they can rack up interest on it. In inquired as to why the credit limit hasn't cleared to match my payment, and the response is (paraphrased) the contract states available credit may not be released for up to 20 days following a payment. Right, it says may not will. Bank of America is not a fly-by-night operation. The payment cleared immediately. Mail Fraud: They lied about the credit line increase They lied about the credit line increase. I wrote them inquiring about the credit line increase they offered: I made the payment promptly and was wondering whether I had to request it or if it was automatic. I received an response saying that the response to my credit limit increase request was going to be sent by mail. First off, I didn't ask them to raise it: I asked IF the raise in limit was automatic or if it had to be requested. Secondly, they are committing mail fraud since their letter stated I would receive an increase if I paid today (meaning the day the card arrives, which is the first day I can possibly pay). I accepted their offer by paying promptly and they are refusing to deliver. For me, a $250 credit limit is unusable. I deal with big-ticket items with my corporate AmEx, and heck, I can't even rent a car on my personal credit card. Bottom line: If you are thinking of using First Premier to rebuild your credit, you'd better rethink your position. If I were more patient, I could have gone to a local credit union or bank and received a limit ten times higher. I was so upset about getting rejected while having good credit that I was impatient so I went with one of the no credit companies advertising on various credit-related web sites. They extended me an offer of a credit limit increase upon prompt payment of my first statement. I accepted that payment and paid well more than the minimum. they are now refusing to deliver. That is a textbook case of mail fraud. Support your local credit union. I will be sticking with First Premier for six months to a year because closing a credit card in good standing is one of the worst things you can do to your credit score (it's a bigger ding to your score than missing a payment) but believe me I will break that rule and close this card as soon as I have had it for a year and get a card with a $2,500 or larger limit. First Premier charges a lot of fees, commits mail fraud, and grants cards usable for only groceries and fuel. What a waste. The moral of the story is to never close all your credit cards. Always keep at least one open and use it once in a while, because even if you have good credit, banks will turn you down for auto loans and mortgages if you don't use your credit regularly. Kimberly Rockland, MassachusettsU.S.A. Click here to read other Rip Off Reports on First Premier Bank
Entity: Sioux Falls, South Dakota
42, Report #410501
Jan 10 2009
01:09 PM
First Premier Bank won't refund my $50.00 Sioux Falls South Dakota
I opened an account a few months ago with premier bank for a mastercard. They issued one to me with normal start-up charges that I agreed to. I made several payments as required. I went to use card for the first time and it was refused even though I had a $100.00 in availiable credit. Then out of the blue they credited my account with reimbursed charges and closed my account. They still send me a statement every month that shows a -$50.00 balance and $0.00 everything else. I've asked for a reason and they won't give me one. I've asked for $50.00 that they owe me and they won't return it to me. Drew Eugene, OregonU.S.A.
Entity: Sioux Falls, South Dakota
43, Report #371424
Sep 09 2008
07:15 PM
First Premier Bank Identity Theft Scam Sioux Falls South Dakota
First Priemier Bank PO Box 5519 Sioux Falls, SD 57117-5519 1-800-987-5521 Customer Service Rep: Jamie (female) contacted 09/09/08 12:00 cst issues a Master Card (last four 0429) via U.S. POSTAL SERVICE along with statement Credit Limit: $300.00 Initial Fees: $179.00 Available Credit: $121.00 First Payment: $25.00 NO activation process for card. The card is ready for immediate use. (Identy Theft!) First Primier Bank CREDIT CARD CONTRACT AND INITIAL DISCLOSURE STATEMENT (included in the enevelope with the credit card and statement) clause: Effective Date. This Contract is effective upon the earlier (a) the first purchase made or cash advance taken on your Credit Account and (b) the expiration of 30 days from the date we issue the Card to you. You are not obligated to pay any fee or FINANCE CHARGE until this contract is effective. Spoke with First Priemier Bank customer service rep: Jamie Reported the issued credit card as identity theft. Asked Jamie to cancel the card. Jamie said she could not cancel the card. Nal naperville, IllinoisU.S.A.
Entity: Sioux Falls, South Dakota
44, Report #368449
Aug 30 2008
05:19 PM
First Premier Bank Credit Card statement? Sioux Falls South Dakota
I received a statement in the mail from First Premier saying I owe $180. I do not have a credit card with them but yet I owe them at least $25 by 9/15. I have read on ripoff reports that others were also scammed by these people. What should I do now? Joyce Columbus, OhioU.S.A.
Entity: Sioux Falls, South Dakota
45, Report #184745
Apr 03 2006
06:18 PM
First Premier Bank ripoff Sioux Falls South Dakota
I made an on-line inquirey for this credit card. I was sent an already activated card with $172.00 in charges. I e-mailed the company to cancel this card and ask how they were able to open this account as I have a fraud alert posted with all 3 CR agencies. Iv'e gone back and forth with these people trying to get this account closed. I was told that they were working for Experian (yes, I did save this e-mail). There has been another CR agency that has this open account on file. I was told to give them certain info over the net and the account would be closed. The next e-mail I recieved stated that I needed to contact them on the phone. I didn't have to call them to open this account. I can't change the devastation of what has happened in South Lou due to that --- storm, and FEMA is a very dirty word down here. However, I can do something about this. Signed ...a real hungry coon --! (aka cajun) Cherie RACELAND, LouisianaU.S.A.
Entity: Sioux Falls, South Dakota
46, Report #205400
Aug 10 2006
06:00 AM
First Premier Bank Ripoff Takes Forever To Close absurd excuses Sioux Falls South Dakota
I just closed my first premier bank card because I did not want to pay the 6.00 ever month for the participation fee and the other scam which was probably coming soon of their annual fee or whatever. I just sat on the phone for an extra five minutes why I had to listen to the lady explain how people usually leave their cards open for 80 months not the 4 what I was doing and so on and so forth. When I told her that the reason I was closing the account was because I did not need the card anymore thats when I got the whole speel(sp?). Aren't they supposed to close it without any questions. Well at least its closed now. Never ruin your credit or open these bad to fair scam cards, its a joke. Christopher Rockville, MarylandU.S.A.
Entity: Sioux Falls, South Dakota
47, Report #317057
Mar 11 2008
07:26 PM
First Premier Bank Insulted me! Sioux Falls South Dakota
I have paid my bills on time and yet a company tries to charge me $204 for a second credit card with a $350 limit after 6 invitations to apply. I am wondering what paying your bills on time, making over the minimum payment, and not going over credit limit gets you? Even though my credit does not have a stellar past, I am a new practioner that could use an emergency fund. I have written the CEO about how they rate their loyal customers--but I don't expect a response. I cut the card the card up, will not do business with a company that has no respect for people with intergreity, and will pay off the balance on my initial card. Sorry First Premier Bank does not see the 'little guy' as their future fortune. Perfect1 Grand Blanc, MichiganU.S.A.
Entity: Sioux Falls, South Dakota
48, Report #317979
Mar 14 2008
02:22 PM
First Premier Bank certian fees legal? Sioux Falls South Dakota
My First Premier credit card charges me an auto draft fee when I make a payment online. Is this legal to charge a fee for making a payment on the credit card? Thanks for your help Rog Key West, FloridaU.S.A.
Entity: Sioux Falls, South Dakota
49, Report #172693
Jan 21 2006
03:33 PM
First Premier Bank ripoff Sioux Falls South Dakota
I just wanted to warn all people looking to rebuild there credit NOT to use First Premier Bank. For most of us, we're looking to establish our credit. Whether it's because of damaged credit scores or first timers. Either way, this company knows what type of situation we are in and takes full advantage of it. I live pay check to pay check at this point in my life and when I make a direct deposit from my checking account to pay off my balance, I need those funds ASAP to survive. For the first 3 months of my membership they would post my payments the next day and the funds would be available. For no reason on Dec 12, I made a 200 payment (300 Credit Limit) so I could buy Christmas gifts. Well, they decided not to make the funds available untill Jan 7th of this year! I couldn't buy gifts for many of my friends and family. When I called to find out why they told me it was for security purposes. That's all they would tell me. The thing is, they took the money from my checking account on the 12th. Now everytime I make a payment, I have to wait 2 weeks or more. Scott Bloomfield, New JerseyU.S.A.
Entity: Sioux Falls, South Dakota
50, Report #165914
Nov 26 2005
03:26 PM
First Premier Bank ripoff Sioux Falls South Dakota
Yes it was about 3 months ago that I was supposed to receive this credit card. they said that all I had to do was send a 39.00 processing fee. well I did that and never received anything. well I thought that I had lost my paperwork on this letter. I was cleaning out my bills and there it was, so I decided to look on the internet for something about this company. I sent a money order for the 39 dollars and I cant find the receipt on it, so please dont let this happen to you. 39.00 may not seem like that much but it is.. Kimberly perry, FloridaU.S.A.
Entity: Sioux Falls, South Dakota

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