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

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76, 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
77, 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
78, Report #35104
Nov 13 2002
07:24 PM
FIRST PREMIER ripoff Sioux Falls South Dakota
This is a you've got to be joking, right? ripoff outlandish ripoff late fees ..... I thought that I had seen and heard everything, but what we got in the mail today makes even jaded lil'ole me shake my head in amazement. As my battle continues with First Premier over the unauthorized debits (now turned over the Division of Banking) taken from our checking account, FAR in excess of any balance owed,on another card (balance owed: 142.50 to pay off, now trying to extort over $800 for returned item fees...on UNAUTHORIZED TRANSACTIONS.. they decided to make our day with this chuckle. On another card that we totally paid off, we received a bill today for $61.00. What for, you ask? Well, apparently we (according to the rebels without a clue of First Premier) owe them $3.95 for an internet access fee. Hey, it gets better. Being that the card is paid off and account closed, we have zero credit available. BUT, hold on.. because we have ZERO credit available and the account is closed, we are now..$3.95 overlimit. Just for that, $25.00 overlimit fee, PLUS $25.00 late charge, charge for insurance, AND a finance charge on the purchases of the internet access fee and credit insurance. This is in addition to yet another card we paid off that they charged us overlimit/late fees, even after it is already on my husband's credit report that he PAID IN FULL. The fees were due to credit insurance fees being charged, on a PAID OFF/CLOSED account. After I finish laughing, I will fax the nice joke sheet we received today to the South Dakota Division of Banking when I arrive at work tomorrow. SHEESH!! Are they stupid or do they think the entire Sherri Richmond, California
Entity: Sioux Falls, South Dakota
79, Report #327891
Apr 21 2008
11:15 PM
First Premier Bank Rip Out From First Premier Bank Sioux Falls South Dakota
I had an account with First Premier Bank anad I canceled the card due to the fact that I was being charged monthly fees on top of numerous one-time fees. It was just too much to handle. Since I have canceled, I have been charges more fees and I checked the balance and recent charges and there are more charges after I canceled the card. This is not right and I think that somethong should be done about all of this wrongdoing. People are already having hard times now as it is without companies taking extra advantage. Sarah Laurel, MississippiU.S.A.
Entity: Sioux Falls, South Dakota
80, Report #359273
Aug 04 2008
11:08 PM
First Premier Bank-Souix Falls First Premier Bank They charged me for a credit card that I never received!!!!! Souix Falls South Dakota
I just recently applied for a card with First Premier Bank about 2 months ago, and I was approved. But two days ago, I received a letter in the mail saying I owed them over $1,000 for a card I SUPPOSEDLY had in Kansas City in 2005. I applied for a card in 2001 and never received it. They said I could not receive and cards vrom their bank because of my credit score. Ain't that some $^%+!!!! Babyirl-Atl Atlanta, GeorgiaU.S.A.
Entity: Souix Falls, South Dakota
81, Report #581757
Mar 16 2010
05:46 PM
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.comThis 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 y are lying thieves to start with, and they are deceptive frauds to finish!
Entity: Sioux Falls, South Dakota
82, Report #383438
Oct 21 2008
02:37 PM
First Premier Bank, Sioux FallsFirst Premier Bank Issued Credit Card with out my authorization Sioux Falls South Dakota
I received an offer in the mail to apply for a credit card, so I went to the website and filled in the information. At that time I did not know the terms of the credit limit, interest rate ect. so I thought I would be informed of this before being offered the credit. That did not happen at all, next thing I know is I get a bill in the mail for $179.00 and a credit limit of $200. I never accepted these terms. Later in the week, I actually get the credit card and a statement saying it is active. Suspicious of all this I try to locate a contact number on all of the papers and to no surprise there is only one that leads to automation hell. I Google the company and find another number. I call it and the first representative wants my personal information before they can do anything. I told her the CC number and let her know that I did no accept this card and wish for them to take it back and delete me from their system. Well, her response is she cant do that without verifying all of my personal info. I was advised by my attorney to no give them any info for they have committed fraud already and me doing so could only make things worse. I tried to call back and talk with someone else 4 times to no avail. I finally got transferred to a fraud hot line where I left a voice mail. I have yet to resolve this and will keep you posted. Word to the wise, do not apply for credit with this bank, you will not know the terms, you will be billed an exhorbinant amount and so far, as I am seeing you can not cancel the account. I will update if I get more info Sickofscamsflorida Naples, FloridaU.S.A.
Entity: Sioux Falls, South Dakota
83, Report #436961
Mar 23 2009
09:37 PM
Premier Bank First Premier Bank A Blatant Ripoff Sioux Falls South Dakota
I rarely have used this card with a $250 yet I owe $368. Although I have paid this 250 over and over again. They charge this outrageous fee that is a made up they find a way that you then over your balance and they charge for an over balance fee. If you are close to your due date they wait to post your payment until it is late then a late fee. The late fee then puts your over the limit which is another 29.00. I spoke to a representative on Friday not only was she very nasty but she could speak about a 25.00 charge that I made. In the conversation I mentioned that I paid 165.00 last week and I have a 17.00 available balance, she continuously mentioned that I used 25.00. What she didn't mention were 200.00 in fees that they have charged me. After the conversation I sent 106.00 which should have given me 123.00 available. I checked the available balance tonight I have an available balance of 6.00. At the very least where in the heck did the 11.00 go? There strategy not only cost money but somehow gets reported on the report as late and over charged. Chardyjr Las Vegas, NevadaU.S.A.
Entity: Sioux Falls, South Dakota
84, Report #958177
Oct 22 2012
08:33 AM
FIRST PREMIER BANK FIRST PREMIER BANKCARD Creedit Carde Company did not Market the Card Default Insurance Accurately. Sioux Falls, South Dakota
First Premier Bank, This company falsely marketed to me the Default Insurance for their credit card. What I thought would be covered through an unforseeable event such as (unemployment). Years later I was contacted by a Collections company representing this company and I was promised that if I paid this item it would not report on my Credit file. these are both serious violations of the law both in part of the Bank as wel as the Collection Agency.
Entity: Sioux Falls, South Dakota
85, Report #110192
Sep 26 2004
12:26 AM
First Premier Bank ripoff First Premier free credit report is not free they charged me $30.00, nothing is ever free! Sioux Falls SD
First Premier Bank offered me a free credit report and charged me $30.00 and also charged me alot of hidden fees to join. I had their card for 2 weeks and spent $40.00 and now owe them $250.00. Steven valrico, FloridaU.S.A.
Entity: Valrico, Florida
86, Report #280972
Oct 25 2007
08:25 PM
First Premier Bank Card First Premier has caught the eye of major consumer advocate groups Sioux Falls South Dakota
We all have been reading on this website and many others how First Premier Bank Card has been truely ripping off unsuspecting folks around this country. We have seen how folks respond to this website and say well folks should read the rules and regulations as they are clear and they are their its their own fault. Well for a long time too I have been watching this what I call scam bank as they stay just above the law in South Dakota and that is pretty much below the law in most other states. I watch First Premier as they are on my radar screen constantly. I direct your attention to the URL listed below on an extensive study done by Cagey Consumer. They have taken First Premier's advertising sent to unsuspecting folks around this country and they show how First Premier uses every trick in the book to hook these folks into high fees and high interest. They show how this bank truly is ripping off the consumer. I mean when you get a credit card with a $300 credit limit and the first month is over $200 in fees from the bank alone you got to say this is a real scam bank and they are...First Class Scam. So please check out the URL and see what the consumer advocate group has to say about First Premier: http://cc.edumacation.com/finserv/firstpremier.html There is also a good chance that Kiplinger's magazine is going to do high interest high fees credit cards as a feature article in next few months. You can believe First Premier will be right up at the top of the list. Best thing we can do is get the word out to folks on First Premier and that will end their business of ripping off the unsuspecting consumer. Kevin Indianapolis, IndianaU.S.A.
Entity: Sioux Falls, South Dakota
87, Report #167940
Dec 14 2005
04:48 PM
First Premier Bank Do something about First Premier ripoff dispicable Sioux Falls South Dakota
I feel I have been ripped off by Premier. The so called agreement about not suing them is bunk. That is like saying I promise not report a crime if I see one. Fraudulant or unfair practices should be reported.I have contacted my state attorney, the BBB, the FTC, my congressmen, and I am working on the Attorney General, the Governor, the preseident, and any agency I can contact. I am also contacting news agencies in hopes they will do a national story on this and other companies like this. Preying upon vulnerable people with poor credit so therefore limited options is dispicable. Susan Gainesville, FloridaU.S.A.
Entity: Sioux City, Florida
88, Report #217527
Oct 24 2006
09:26 PM
First Premier Bank First Premier Usury Charges and all for a $300 limit? Sioux City South Dakota
What a SCAM. Some credit rebuilder. More regulation of these evil cards is needed. Their fees jacked me over their prescribed limit. I closed this sucker down. Over 150 bucks in fees for a $300 limit which is really only about 150 dollars in the beginning? A secured card is much better. This is a waste of time. And, the monthly participation fee is a total joke. Participate in WHAT? I'm not that desperate for a credit card. Chase and their usury fees put me in the hole. Why go back? Angie Batavia, IllinoisU.S.A.
Entity: Sioux City, South Dakota
89, Report #368528
Aug 31 2008
05:15 AM
First Premier Bank FIRST PREMIER IS A BIG RIPOFF!! South Dakota south dakota
got the card called to cancel, said they would waive fees, but they are liars,, and now i am receiving statements for payments for fees, liar liar what can i do about this, fraudulent peoples, ripping innocent peoples off, it already a struggle HELP ME PLEASE. Sister west palm beach, FloridaU.S.A.
Entity: Nationwide
90, Report #267402
Aug 14 2007
11:24 AM
First Premier Bank This is How to Successfully Complain About First Premier Bankcard Sioux Falls South Dakota
I was a victim too of First PREMIER Bankcard not because I applied for their card but because of ID Theft. I quite frankly would never want anything to do with this scam bank. As I have researched them they are very clearly a pedatory lender and quite frankly take in fees, etc. from those who have the least to start with. I have read screens and screens of folks complaints on how they have been ripped off by First PREMIER Bankcard. I would be the first to agree that those fees are told to anyone who applies and like kids in schools....many folks just don't read or pay attention to it. Yet, there are those who by no fault of not reading the fees etc. have been duked by First PREMIER. Those are the ones that must fight back and that is the only way this predatory bank, lender card issuer, scammer, etc. will be made to answer. I have corporate attorneys that I can ask easily for advice and that I have done. So here goes how you can really put the bite on First PREMIER. If you have a legtimate or think you have complaint then write to: 1) State of South Dakota Office of Attorney General Division of Consumer Protection 1302 E Hwy 14 Pierre, SD 57101-8503 2) South Dakota Department of Revenue & Regulation Division of Banking 217 1/2 West Missouri Avenue Pierre, South Dakota 57501-4590 Now the South Dakota Division of Banking hold immense power over First PREMIER because they hold the charter for that bank. Pull their charter and First PREMIER can not operate and is out of business. So you clearly see the immense power that state agency has in correcting your problems. I firmly believe that all those who have legtimate complaints write both these agencies we can bring forth a major investigation of First PREMIER Bankcard and in the process get your problem resolved too. I hope you will join with me in ending the grief and unfair practices of First PREMIER Bankcard. If we work together we can make this scam bank follow established guidlines and standards in the banking industry. Robert Huron, OhioU.S.A.
Entity: Sioux Falls, South Dakota
91, Report #54630
Apr 26 2003
08:53 PM
First Premier Bank ripoff credit reporting fraud Sioux Falls South Dakota
First Premier Bank Incorrect Credit Reporting..... Refused Cards (Is this their Payback??) Sioux Falls South Dakota ..... In March of 2001 our neighbors brought over some mail they told us had been put in their box by mistake. One of the items was a credit card from First Premier Bank, it had been opened. We had never even applied for a card from First Premier, as we already have a Providian Visa. We contacted the Police Dept and they told us to contact the Credit Card Company. I spoke with a very nice CSR and told her the situation. Again she was very polite, told us she would cancel the cards and post that they had been reported stolen. She asked if we would like new ones sent to us, and she explained the fees to us. We said no, we did not want Any cards, we were very happy with our Providian. She told us everything was all set. Fast Forward 2 years, we are buying a home and of course checking our credit. On the report it does show the card that was reported as stolen. BUT it also shows April of 2001 $350 was written off on a NEW account. We never recieved any other cards, therefore never used any. And certainly never agreed to any fees. All I want is for this company to remove the incorrect statements on my 3 credit reports. Scott Bennington, VermontU.S.A.
Entity: Sioux Falls, South Dakota
92, Report #61589
Jun 23 2003
06:12 PM
First Premier Bank ripoff Sioux Falls South Dakota
this company which states we are here to help our customers is b.s. 1st i called them because of all the fees i was getting on my account on which i was never informed , they were never on any disclosure and plus i was never even helper . 2nd i call the company to close the account and guess what i still have charges being made to them . 3rd as all customers have stated they mess up your credit and god knows how in the hell to get rid of them i have made payment by payment to get out of this company and once they see your account coming down they put a overlimit fee , how in the hell could you get a overlimit fee if the account is closed and in steed of you sending a 20.00 payment you send a 200.00 payment and you still owe the same balance you had plus then you start to get min payment 123.15 plus a $20.00 past due fee , a overlimit fee of $25.00 and good knows what next fee . last but not least once they issue a credit limit you get a letter stating you have went over your credit limit and now from $350.00 your account is in a 433.15 , what in hell happend to the $350.00 limit you had and if your making payments month by month why doesnt this amount go down even making a big payment of 200.00 dollars . Paul kissimmee,fl,, FloridaU.S.A.
Entity: Sioux Falls, South Dakota
93, Report #509740
Oct 15 2009
10:57 AM
First Premier Bank Card - Premier Bank Card Subprime card, subprime customer service, one giant scam Sious Falls, South Dakota
I received this card without even applying for it and decided to activate the card to help boost up my credit. I understood that their would be fees associated with the card but to charge someone $3.95 to access their account online and a $7 fee to give them money online is ridiculous. Here is how this card works, you are charged $95 PROGRAM FEE *FINANCE CHARGE*, $29 ACCOUNT SET-UP FEE *FINANCE CHARGE, $7 MONTHLY SERVICING FEE *FIN CHG (i was charged this twice), $48 ANNUAL FEE 10/09 THROUGH 09/10, $29 LATE FEE (only received one statement, which was paid in full on 10/13), $3.95 INTERNET ACCESS FEE *FINANCE CHARGE*. On top of all those fees, they charge you $7 to for the convenience of making a payment via their website or $11 if you call their so called customer service number to make a payment. I can deal with this, I am trying to re-establish my credit since it went downhill when I lost my job 19 months ago. My biggest complaint is they do not tell you that they will hold your payment for 7days and not allow use of the card. I made my payment on 10/13, expecting to have use of the card the following day. My wife called and spoke with a supervisor who told her since the payment was made after 3pm CST it would not be posted until midnight 10/14. My wife specifically asked if the card would be available for use on 10/15 and was assured it would be. I log in online today 10/15 only to find my available credit is zero but yet the balance owed in zero. I called only to be told the account has a hold on it until 10/20 and the holds are done at random?? I was not given a specific reason for the hold but told can conference my bank in with the credit card company to verify that the funds did clear the checking account or that I should have called them directly to make the payment using my debit card instead of using my checking account. This does not make sense to me, the money comes from the same account no matter if I use my debit card or checking info. I believe it is a scam to get more money from someone. At this point I paid my bank to put a stop payment for the $285 I made, which cost me $28 to do. I am only paying for my actual charges which total $63.21 and they can do what ever they want with the rest of their outrageous charges. I have cut up the card and will not be using it. I refuse to pay for charges when I do not get the benefits that I expect with a credit card.  Some card company, they are suppose to help with re-building your credit not put you deeper in debt. Their lack of customer service, supervisors not willing to do anything for you only tell you nothing can be done to bad. I also discovered other hidden fees that are not communicated in their cardholder agreement or on the website: Credit limit increase: $25Auto Draft: $11 every time they automatically take the paymentWire Transfer fee: $5 for every wire transfer you doAdditional Card: $20 annuallyBe aware of this company. Its not intended to help you but to charge you all these fees up front and then later when you least expect it. I would not recommend this card to anyone no matter how desperate you may be for a credit card.
Entity: Sious Falls, South Dakota
94, Report #13548
Feb 07 2002
12:00 AM
APPLIED FOR A MASTERCARD FIRST PRIEMER BANK RIP-OFF
I APPLIED FOR THEIR CREDIT REBUILDING CARD,GOT TWO CARDS, DID NOT CALL TO ACTIVATE THEM AND I GET TWO STATEMENTS,ONE FOR 173.00 AND ANOTHER FOR 193.00. SO I CALL, THEY TELL ME I DON'T NEED TO CALL AND ACTIVATE THEM. THEY WERE ACTIVATED BEFORE I RECIEVED THEM!!!! IF YOU DONT HAVE TO CALL TO ACTIVATE A CREDIT CARD AND GIVE YOU'R MOTHERS MAIDEN NAME, THEN ANYONE IN THIER DOG COULD USE THEM WHETHER I RECIEVED THEM OR NOT... SO I'M CUTTING THE SCAM CARDS UP ,PUTTING THEM IN THE MAIL. I DID NOT USE THEM OR AM I GOING TO PAY FOR THEM,BOTH HAD A 300.00 CREDIT LIMIT.IM NOT PAYING 200.00 FOR THEM SENDING ME A PEICE OF PLASTIC THAT I DID NOT USE!!! IF THIS GOES AGAINST MY CREDIT REPORT,THEN THAT WILL BE THE BEST BAD CREDIT I EVER HAD. SO ALL I HAVE TO SAY TO FIRST PREMIER BANK IS BETTER LUCK NEXT TIME,HA HA HA ......IF THEY CALL THIS THE FUTURE CARD,WERE IN TROUBLE!!!!!!! NO SWEAT IN TEXAS.
Entity: SIOUX FALLS, S.D
95, Report #174088
Jan 31 2006
01:19 PM
First Premier Bank Poorly coordinated, no integrity, a Legal Harassing Loan shark bank ripoff Sioux Falls Iowa
First premier bank is a good service & highly reliable, but when u pay back, if u miss 3 days they'll harass you till they recieve the payment. I mean more then the due & late fee. (better not forget the $39) or else they'll harass you till you send that!! And for some reason they charge you a $60 annualy fee & $6 per month membership fee. Which they don't tell you unless you read the fine print or ask. For a 1st card it's good. They report to the credit breaus like the others do but they're known for harassing their clients (No-Duhh) But other then that.. Drop'rm if u have them. I threaten them that if they keep on harassing more for $20 i'll drop them. the check they claimed came late. by 2 days. I express i didn't care & would drop them, it happened again. Well 2nd time around i dropped them. What was funny was that they recieved the money order but. It didn't clear? A money order didn't clear?. Poorly coordinated clearly Scott brooklyn, New YorkU.S.A.
Entity: Sioux Falls, Iowa
96, Report #233825
Jan 31 2007
06:33 PM
First Premier Bank Ripoff Don't apply for a Credit Card with this bank Sioux Falls South Dakota
Yes I Have bad credit. This Loan Shark Bank says the APR is 9.9% but it is 19.9% and with $178 in start up fees..I should have read more about this bank, which is really 1 bank with alot of different names, ripping people off with bad credit.Please everyone, dont apply with this bank.. Mike Concord, New HampshireU.S.A.
Entity: Sioux Falls, South Dakota
97, Report #60386
Jun 11 2003
01:55 PM
First Premier Bank ripoff took payment out of bank with out permisson and take advanage of elderly Sioux Falls South Dakota
Gave permission for them to take out of bank one payment so they took it upon themself to do it again the next month and that caused me to be overdrawn costing 60.00 dollers in fees Beulah Lakeland, FloridaU.S.A.
Entity: Sioux Falls, South Dakota
98, Report #245983
Apr 28 2007
10:31 AM
First Premier Bank first credit card ever, over charged and wont let me cancel out fraudent Ripoff Sioux Falls internet-
i never had a credit card thought by getting one would help my credit payed 100.00 first payment when told payments would only be 20.00 a month they charged over use fees and i never got to over use the 300.00 i payed what i used and it stopes working so i dont use it ,tryed to cancell out they wont let me , my bill keeps adding up what do i do ,never getting another credit card ever. Loleene freedom, CaliforniaU.S.A.
Entity: Nationwide
99, Report #1032145
Oct 15 2002
07:37 AM
First Premier Bank AKA Centennial ripoff Fraudulant billing con artist Sioux Falls South Dakota
took money sometimes and refused others that my bank manager proved was in account and they never attempted to withdraw. This bank charged me $200.00 to obtain a $300.00 credit limit. Fine. Then when I attempted to pay through my enabled (as per their email) account, they bounced almost all payments. I was not notified for a full month. I went to my bank and low and behold...some payments were deducted while others were never attempted. I have tried to clear this up on several occassions including letters to First Premier from my banks manager and credit department. They did not attemp to withdraw these bounced paymentsyet other payments they received from same account. Needless to say, my $300.00 credit limit is now up to 800.00 due to bounced payments which my bank stated to them on two seperate occassions that they never attempted to withdraw. I was threatened today- 10-15-02 that they would destroy my credit. Too late...they already have. I have reported the to every resource I can for help..it is a long time coming yet I will prevail. Terry Wellington, Florida
Entity: Sioux Falls, South Dakota
100, Report #1069707
Jul 24 2013
12:37 PM
first premier bank took my money and closed my account sioux falls South Dakota
 first premier bank took my 49.00 processing fee cashed the check according to moneygram the check cleared and then first premier bank said it did not clear.They went and closed my account without my permission and took the rest of my credit away. as far as im concerned they  already let me charge on the card they had no business canceling it when the check cleared.I gave them 49.00 as agreed they did not keep their agreement and the check cleared .They have no business closing my account I already charged on it I WANT MY 500.00 dollar credit limit as aggreed theyre lying about the check not clearing or moneygram and i trust moneygram more this was a money order I purchased at walmart from moneygram I paid cash there was no reason it did not clear.For all this trouble they should give me thousand dollar limit.Bottom line is the check cleared they went and sent the card and they let me already use it they need to keep my account open with my 375.00 dollar limit as agreed. They took my money and they did not keep their end of the bargain liars
Entity: sioux falls, South Dakota

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