First Premier Bank ,First Premier Bank charges excessive fees for card membership. The card has no security firewall service. allows unautorized charges, even when a merchant's charges are suspicious, Sioux Falls South Dakota

The following charges put my card over the limit. These charges are fraudulent and the merchant is not known to me:

01/29/09 01/29/09 55432860X00RGF5NK CREDITDIAGNOS127636316 800-379-5036 CT $29.95

01/31/09 01/31/09 55432860Z0006Y5K4 CREDITDIAGNOS127636316 800-379-5036 CT $29.95

I realized this fraud only after the card was put in overlimit status. My payment for the period was $80.00 and the required payment for the period was $25.00. I was informed by First Premier Bank in the billing Statement that I would be accessed a Annual fee of $48.00 for this period. That is why I made the $80.00 payment to prevent the overlimit status and to maintain some integrity on the card. However, the above charges appeared and took the card over the limit.

I am not aware of this above Merchant nor have I agreed to such charges.
First Premier Bank is not a responsible Credit Card. It does not provide the proper Customer Protection that is provided by banks such as HSBC. HSBC would have called me to asked about the charges in order to prevent fraudulent activity. This is especially important when a Credit Card is at the card Limit, has never been over the limit and is always paid on time. In addition, has been paid off before.

First Premier Bank is strictly and and very dangerously an open target for fraud attacks. It is my belief that it may even provide data to organizations that are fraudulent by their very nature. Why ? First Premier is always looking to collect fees !!!!


Below is a copy of my latest statement including the fraudulent charges. I discovered that the fraud began in previous periods charging $1.00 amounts and then began to escalate. This should have been questioned by firewall service. But thats only when the Credit Card Company cares for the customer


Statement Balance $415.75 Credit Limit $400.00
Minimum Payment Due $40.75 Available Credit (as of 02/03/09) $0.00
Payment Due Date 02/28 Past Due Amount $0.00
Statement Closing Date 02/03/09 Amount Overlimit $15.75
Days in Billing Cycle 029 Pay Now


Trans Date Post Date Reference # Transaction Description Amount
01/26/09 01/26/09 55432860S00BFKJ56 YOURSAVINGSCL561238320 877-820-7107 CT $1.00
01/26/09 01/26/09 85418530SEK3EV6K5 PYMT THANK YOU 5147 E SIOUX FALLS SD ($80.00)
01/29/09 01/29/09 55432860X00RGF5NK CREDITDIAGNOS127636316 800-379-5036 CT $29.95
01/30/09 01/30/09 F4186000Y000Z6090 MONTHLY SERVICING FEE *FIN CHG $7.00
01/31/09 01/31/09 55432860Z0006Y5K4 CREDITDIAGNOS127636316 800-379-5036 CT $29.95
02/03/09 02/03/09 F18530012000CYLAC ANNUAL FEE 03/09 THROUGH 02/10 $48.00
02/03/09 02/03/09 *FINANCE CHARGE* PURCHASES $2.46 CASH ADVANCE $1.06 $3.52
02/03/09 02/03/09 TOTAL *FINANCE CHARGE* PAID IN 2008 $20.65 $0.00

Finance Charge Information Account Information
Monthly Annual Previous Balance $376.33
Periodic Percentage Balance Subject to Purchases & Other Charges $67.90
Rate Rate Finance Charges Cash Advances $0.00
Purchases 0.825 9.90 $299.31 Payments $80.00
Cash Advances 1.658 19.90 $64.47 Credits $0.00
Debits $48.00
Total Finance Charge $3.52
New Balance $415.75


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Cyberchamp
Niagara Falls, New York
U.S.A.

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