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Business Profile

Credit Cards and Plans

PREMIER Bankcard

Complaints

This profile includes complaints for PREMIER Bankcard's headquarters and its corporate-owned locations. To view all corporate locations, see

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PREMIER Bankcard has 5 locations, listed below.

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    Customer Complaints Summary

    • 897 total complaints in the last 3 years.
    • 196 complaints closed in the last 12 months.

    If you've experienced an issue

    Submit a Complaint

    The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

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    Complaint status

    Complaint type

    • Initial Complaint

      Date:07/14/2025

      Type:Billing Issues
      Status:
      ResolvedMore info

      Complaint statuses

      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I called this business on July 14th to ask a question about one of my two accounts. I was told by an agent ****** (who was very kind) that they closed the account in question without warning when I had scheduled payments with them. I was struggling to make payments to my account because I had recently just moved and was fell sick where I had to be out of work for a little while. Now because ****** is just an agent, I did ask to speak to someone higher than him about re-opening my account now that I was in a much better financial situation after recovering from a sudden address change and being sick at the same time. Now the manager that ****** had transferred me to told me that because it was charged off it is no longer eligible to be reviewed for reopening which is INACCURATE as my other credit cards have literally done so after reviewing my information and understood my situation. Not only was this woman very rude and hung up on me mid-sentence because she doesn't understand her job or know how to do it, she has no bedside manner or understanding. I would understand if this were a habit of mine and they didn't want to take the risk of re-opening my account but I fell ill and had to move which equally put me in a financial bind especially as I had to make sure I had my car payment as it is my way to get to and from work and my doctors appointments. I am disputing this closure of my account and if this is to remain closed, then I need some sort of compensation as this made my credit take a hit when it had already taken a hit from being unable to work for being sick. And now that I am in a much better financial situation, you won't even work with your consumer. Makes me want to consider my other accounts with this business.

      I have never had the most unwelcome customer service in my life and this woman, I forget her name. Should NOT be a manager. Very ill-mannered.

      Business Response

      Date: 07/21/2025

      RE: First PREMIER Bank
      credit card accounts ending in **** and ****

      Dear ********

      We apologize for your frustrations.

      When you spoke with Collections on
      July 14, you were accurately informed that First PREMIER Bank does not reopen
      charged-off accounts.

      Your account ending in **** was
      opened in May 2023 and became delinquent in January 2025. The delinquency
      continued to increase until the account charged off in June 2025 with a balance
      of $471.54. Once the account charged-off it was permanently closed and not
      eligible to be reopened.

      The balance was paid in full on
      July 2. Please allow adequate time for the balance to update on your credit
      report. A charged-off account remains on a credit report for approximately
      seven years from the charge-off date, even when paid. The consumer reporting
      agencies are responsible for removing the account at the correct time.

      Your account ending in **** is open
      and current. The last payment received was $392.96 on June 24. A minimum
      payment of $37.00 is due by July 24. In goodwill, we credited three late fees
      totaling $117.00. Your updated balance is $409.55.

      We appreciate you being a customer
      and hope this response is helpful. If you have further questions, please
      contact Customer Service ***** ********.

      Sincerely, 


      Office of the President
      Business Communications
      PREMIER
      Bankcard, LLC                                                                                                                      
      ** *** ****
      Sioux Falls, SD 57117-5114
      (HLL)

      The Federal Equal Credit Opportunity Act prohibits
      creditors from discriminating against credit applicants on the basis of race,
      color, religion national origin, sex, marital status, age (provided the
      applicant has the capacity to enter into a binding contract), because all or part
      of the applicant's income derives from any public assistance program; or
      because the applicant has in good faith exercised any right under the Consumer
      Credit Protection Act. The federal agency that administers compliance with this
      law concerning this creditor is the Federal Bank of Minneapolis. You may
      contact them at: Federal Reserve Consumer Help, **** *** ***** Minneapolis, MN
      55480. Toll-free: ***** ********* *** ***** *********TDD: ***** *********


      (15611)

      PREMIER Bankcard, LLC is a registered Member Service
      Provider for First PREMIER Bank.

      Customer Answer

      Date: 07/22/2025



      Better Business Bureau:



      I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.




      Sincerely,



      ******* *********
    • Initial Complaint

      Date:07/14/2025

      Type:Billing Issues
      Status:
      AnsweredMore info

      Complaint statuses

      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      Pursuant to 15 U.S. Code § 1681b - Permissible Purposes of Consumer Reports, any information reported on my consumer report requires explicit written consent. At no time did I provide such consent, and reporting this information without my authorization is a clear act of fraud. Under 15 U.S. Code § 1681a(2)(B) - Exclusions from a Consumer Report, any credit transaction that involves the use of a Social Security card is required to be excluded from a consumer credit report. This account violates that provision and should not be reported.

      Business Response

      Date: 07/14/2025

      Dear **********

      We
      are responding because we recently received correspondence from the Better
      Business Bureau regarding a First PREMIER Bank credit card account.

      Additional
      information is needed to help us confirm the First PREMIER Bank account you are
      contacting us about.

      Please
      provide us with two or more items from the following list:

      First 12 or last four digits of the
      First PREMIER Bank credit card account number
      Last four digits of your Social
      Security number
      First PREMIER Bank Reference
      #/Account ID
      Copy of the First PREMIER Bank
      tradeline from your credit report

      Upon
      receipt of this helpful information, we will review and respond
      accordingly.

      Sincerely, 

      Office of the President
      Business Communications
      PREMIER
      Bankcard, LLC                                                                                                                      
      ** *** ****
      Sioux Falls, SD 57117-5114
      (JA)

      (15590)

      PREMIER Bankcard, LLC is a registered Member Service
      Provider for First PREMIER Bank.

    • Initial Complaint

      Date:07/10/2025

      Type:Billing Issues
      Status:
      AnsweredMore info

      Complaint statuses

      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I am not liable for this debt with Credit One Bank. I do not have a contract with Resurgent/LVNV Funding. They did not provide me with the original contract as requested.

      Business Response

      Date: 07/17/2025

      Dear Brittany:

      This is
      in response to a complaint you filed with the Better Business Bureau.

      In the
      complaint you state you are not liable for a debt with Credit One Bank and do
      not have a contract with Resurgent/LVNV Funding. We are not associated with any
      of these companies.

      With
      the information provided in your complaint, we located a First PREMIER Bank
      credit card account ending in **** in your name. The account is open and
      current.

      If you
      need assistance with your account, please call Customer Service at
      800-987-5521. Business hours are Monday through Friday 7:00 a.m. to 9:00 p.m.
      and Saturday 8:00 a.m. to 4:30 p.m. Central Time.

      Sincerely, 

      Office
      of the President
      Business
      Communications
      PREMIER Bankcard, LLC                                                                                     
      ** *** ****
      Sioux
      Falls, SD 57117-5114
      (jdh)

      (15587)

      PREMIER Bankcard, LLC is a
      registered Member Service Provider for First PREMIER Bank.
    • Initial Complaint

      Date:07/08/2025

      Type:Billing Issues
      Status:
      AnsweredMore info

      Complaint statuses

      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      Premier Bankcard illegally withdrew over $10,600.00 from my and my husbands checking accounts without authorization. We have been working since May 2024 trying to settle only $1,089.00 back using our bank ******* ******* Bank routing number *********** and the cking last four numbers where they illegally withdrew from ****** and *****). I nor my husband have NEVER had a account or a bank card with this company. ******* ******* would not do more even though I had real emergency issues in April 2024 when my youngest daughter died in Gainsville GA. The fraud starting May 3rd thru January 2025 when the company quit withdrawing more money. Also I did not get back to Home in MS until July 2024. Next my only other daughter has been in heart failure and surgery was required to put an ICD and Defibillator in case she has another heart attack the gadget will shock her heart to beat again. Also my husband (79) had to have emergency surgery on his gall bladder. Infected and in the hospital 6 days due to blood thinners and diabetes. Then it snowed here. I was mourning and not able to handle everything for the five people I have to take care of and live with me. My husband has lost most of his eye sight (Detached retina) and memory issues. Three are disable to handle their financial items. (Ages ) (79, 51, 56, and 15) I will be 76 July 12. We are both retired. I retired 22 yrs ago after 31 years with Dept. of Navy civilian service. I called every number for Premier even asking the bank how they got them as none of phone allowed me to talk to the bank. I wrote and submitted to a fax # with Premier bank card. No response. I then sent a letter on 2/9/2025 with the evidence of Fraud and any reverse of charges PRIORITY MAIL to **** *** **** Sioux Falls SD 57117-5519 No Contact YET. The money was for my daughter's for her three (3) daughters and to bring her home.. We are behind in our bills due to this FRAUD. Please help me and acknowledge this report. *******

      Business Response

      Date: 07/16/2025


      ********


      In our review we located
      an account that matches your address, but it is not in your name. Since you are
      not our customer we can’t provide further details.

      Based on comments in your
      complaint, it seems that you worked with your bank to return some of the
      payments in question. Please contact them again with your remaining concerns
      about unauthorized payments. If the payments were not authorized and your bank
      processes returns on additional payments not already refunded, First PREMIER
      Bank will review and may return payments made within the past two years.

      Sincerely, 

      Office of the President
      Business Communications
      PREMIER
      Bankcard, LLC                                                                                                                      
      ** *** ****
      Sioux Falls, SD 57117-5114
      (lmn)

      (15578)

      PREMIER Bankcard, LLC is a registered Member Service Provider
      for First PREMIER Bank.

    • Initial Complaint

      Date:07/08/2025

      Type:Billing Issues
      Status:
      AnsweredMore info

      Complaint statuses

      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      My desired outcome is the Premier bank account be deleted and disputed from my credit report because they have been repeatedly reporting C/O for months long after the account has been closed which extending the Statue limitations and making the account look newer than it is which is illegal for over 7 months ..They also sold my debt and written my balance off on their taxes so I believe the balance should've been at $0 but if not I've also paid $250 to the debt collector which they never reported it and when I reached out to debt collector to communicate the inaccuracies of them neglecting to update the balance they closed my account with them and sent the debt back to Premier bank I would love for this account to be disputed because of according to the Fair Reporting Act Public law 91-506, Title VI, Section 611, Subsection A-D these inaccuracies have violated my rights please and thank you !

      Business Response

      Date: 07/16/2025

      RE: First PREMIER Bank credit card account ending in ****

      Dear ******

      This is in response to your concerns with credit reporting.

      We confirmed we are accurately reporting to the consumer reporting
      agencies and will update your report to show you are disputing the information.

      The account was opened in November 2023 and became delinquent in April
      2024. The delinquency continued to increase until the account charged off in
      October 2024 with a balance of $914.22.

      Even though the account charged off, you are responsible for the
      balance until it is paid-in-full, and it can report as charged-off in the
      payment history until it’s paid. Charged-off accounts stay on the credit report
      approximately seven years from the charge-off date, even if paid. Accurate
      information is neither changed nor removed early.

      While remaining owners of the debt, we sometimes assign charged-off
      accounts to collection agencies for servicing. First PREMIER Bank remains
      responsible for reporting, and the balance currently reporting is $664.22
      because you made a payment while the account was being serviced by a collection
      agency.
      A statute of limitations is
      merely a time limit set in which a civil suit can be brought. First PREMIER
      Bank has no intentions of suing you for the balance of the account.
      We know this isn’t the answer you
      want but hope you understand our commitment to accurate credit reporting.
      Sincerely, 
      Office of the President
      Business Communications
      PREMIER
      Bankcard, LLC                                                                                     
      ** *** ****
      Sioux Falls, SD 57117-5114
      (AE)
      (15592)

      PREMIER Bankcard, LLC is a registered Member Service
      Provider for First PREMIER Bank.
    • Initial Complaint

      Date:07/07/2025

      Type:Billing Issues
      Status:
      AnsweredMore info

      Complaint statuses

      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      Account has been reported as late to my credit report. I have never been late on this account, since opening it in 2019. Their customer service representative refused to transfer my call to anyone that could help with the issue. They stated they could not do anything about the reporting status of my account, only the credit bureaus could, and refused to have me speak to anyone else period.

      Business Response

      Date: 07/11/2025

      RE: First PREMIER Bank
      credit card account ending in ****

      Dear ********

      We apologize for your frustrations.

      On July 7, when you spoke with
      Customer Service requesting a goodwill removal of the 30-day delinquency, the
      associate correctly informed you First PREMIER Bank does not remove accurately
      reported information.

      Upon review of your complaint,
      we confirmed the account is reporting accurately. Please be assured we are
      committed to correctly reporting your account details to the consumer reporting
      agencies and we do not change or remove accurate information early in goodwill.

      When only one due date is
      missed, the delinquency is not reported to the consumer reporting agencies;
      however, if we do not receive at least the minimum payment for two or more due
      dates in a row, an account reports delinquent.

      A payment was not received for
      the March 2025 due date, which created a past due amount of $63.00. The payments
      received in April and May did not resolve the past due amount.

      Your May 25 statement stated the
      minimum amount due was $77.00 and the past due amount was $67.00. We received a
      payment of $60.00 on June 6. Since the amount received did not satisfy the
      minimum amount and past due amount due on June 21, your account accurately
      reported 30-days delinquent in June 2025.

      We understand this is not the
      response you wanted but hope you can understand our commitment to accurate
      credit reporting. If you have further questions, please contact Customer
      Service at ***** *********

      Sincerely, 

      Office of the President
      Business Communications
      PREMIER
      Bankcard, LLC                                                                                                                      
      PO Box 5114
      Sioux Falls, SD 57117-5114
      (HLL)



      (15576)

      PREMIER Bankcard, LLC is a registered Member Service
      Provider for First PREMIER Bank.

    • Initial Complaint

      Date:07/07/2025

      Type:Billing Issues
      Status:
      AnsweredMore info

      Complaint statuses

      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      First premier bank refuses to reopen my credit card account ending in 06**. I got behind on payment due to health issues and I caught my payments up on July 3,2025 by payment of $181 via phone I was told by representative that if I paid account up to date brought account current I could call customer service to reopen my account so I paid the $181 and called customer service and they refused to reopen my account. I am asking for a goodwill reopening of my credit card account and asking that they make an exception as matter of good customer service and goodwill please reopen my account immediately.

      Business Response

      Date: 07/10/2025

      RE: First PREMIER Bank
      credit card account ending in 06**

      Dear ******

      We apologize for your frustrations.

      Your account was closed at your
      request on February 22, 2025, and since it has been closed greater than 90-days
      it is not eligible to be reopened.

      We reviewed your call when you
      spoke with Collections on July 2, and confirmed there was no discussion of reopening
      the account until after the payment was made. The associate accurately informed
      you to contact Customer Service with your questions about reopening.

      When we spoke with you on July 7, our
      associate stated they would refund your $181.00 payment. This has not yet been
      issued so we want to clarify if you still want a refund. Please respond through
      this complaint to request a refund and we will review. Be aware by refunding
      the $181.00 payment this will return the account to the delinquency status it
      had prior to the payment on July 3 and it will be at risk of charging off.

      The current balance is $220.64 with
      your next minimum payment due on August 20.

      We understand this is not the
      response you wanted but hope you can understand our position. If you have
      further questions, please contact Customer Service at ***** *********

      Sincerely, 

      Office of the President
      Business Communications
      PREMIER
      Bankcard, LLC                                                                                                                      
      ** *** ****
      Sioux Falls, SD 57117-5114
      (HLL)


      The Federal Equal Credit Opportunity
      Act prohibits creditors from discriminating against credit applicants on the
      basis of race, color, religion national origin, sex, marital status, age
      (provided the applicant has the capacity to enter into a binding contract),
      because all or part of the applicant's income derives from any public
      assistance program; or because the applicant has in good faith exercised any
      right under the Consumer Credit Protection Act. The federal agency that
      administers compliance with this law concerning this creditor is the Federal
      Bank of Minneapolis. You may contact them at: Federal Reserve Consumer Help,
      **** *** ***0, Minneapolis, MN 55480. Toll-free: ***** ********, Fax ***** ************* ***** *********


      (15570)

      PREMIER Bankcard, LLC is a registered Member Service
      Provider for First PREMIER Bank.

    • Initial Complaint

      Date:06/28/2025

      Type:Billing Issues
      Status:
      AnsweredMore info

      Complaint statuses

      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      i have collections account with this company and i did not open a account . i filed disputes numerous times with the credit bureaus multiple times and they keep telling them its my account. this account is fraudulent and i did not authorize this

      Business Response

      Date: 07/01/2025

      Dear
      Deron: 

      Additional
      information is needed to help us locate the First PREMIER Bank credit card
      account you are contacting us about. Please provide us with two or more items
      from the following list:

      First 12 or last four digits of the First PREMIER Bank credit card account number
      Last four digits of your Social Security Number
      First PREMIER Bank Reference #/Account ID
      Copy of the First PREMIER Bank tradeline from your credit report

      Upon
      receipt of this helpful information, we will review and respond accordingly.

      You may
      also reach out to our Customer Service team at *************

      Sincerely, 

      Office
      of the President
      Business
      Communications
      PREMIER Bankcard, LLC                                                                                     
      ** *** ****
      Sioux
      Falls, SD 57117-5114
      (ko)

      (15534)

      PREMIER Bankcard, LLC is a
      registered Member Service Provider for First PREMIER Bank.
    • Initial Complaint

      Date:06/23/2025

      Type:Billing Issues
      Status:
      AnsweredMore info

      Complaint statuses

      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      Premier bankcard has sold this debt to a third party debt collector, TRUEACCORD, two years, yet they are still reporting to the credit bureaus that I am at 99% utilization.

      Business Response

      Date: 06/26/2025

      Dear **********

      This is in response to
      your credit reporting concerns regarding your First PREMIER Bank credit card
      account ending in *****

      The collection agency,
      True Accord, services your account, but First PREMIER Bank remains the owner
      and is responsible for reporting it to the consumer reporting agencies. Your
      account has not been sold.

      The account was opened in
      August 2019 with a $500.00 credit limit and charged off due to delinquency in
      January 2023 with a balance of $857.01. After the account charged off, we
      received five payments totaling $357.10. The remaining balance today is $499.47.

      Even though the account is
      charged off, you are responsible for the balance until it is paid.

      We
      confirmed we are accurately reporting to the consumer reporting agencies. Charged-off
      accounts remain on the credit report approximately seven years from the
      charge-off date, and accurate information is neither changed nor removed early.
      It is the consumer reporting agencies responsibility to remove accounts at the
      correct time.

      Although this is not the response
      you were looking for, we hope you can understand our commitment to accurate
      credit reporting. Please feel free to contact us
      at ************ if you have additional questions.

      Sincerely, 

      Office of the President
      Business Communications
      PREMIER
      Bankcard, LLC                                                                                                                      
      PO Box 5114
      Sioux Falls, SD 57117-5114
      (JA)




      (15514)

      PREMIER Bankcard, LLC is a registered Member Service
      Provider for First PREMIER Bank.

    • Initial Complaint

      Date:06/20/2025

      Type:Billing Issues
      Status:
      AnsweredMore info

      Complaint statuses

      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I am writing in response to a collection notice found on my credit report regarding an alleged debt from your agency. Pursuant to the Fair Debt Collection Practices Act (FDCPA), 15 U.S. Code § 1692g, I am formally requesting validation of this debt.
      Please provide the following information:
      1. The name and address of the original creditor;
      2. The amount of the alleged debt, including a breakdown of interest, fees, and other charges;
      3. Documentation proving that I am legally obligated to pay this debt;
      4. Proof that you are licensed to collect debts in my state;
      5. A copy of the original signed agreement or contract (if applicable).
      Under federal law, you must cease collection activity, including reporting this debt to credit bureaus, until you have provided proper validation. If you cannot verify the debt, you must stop collection efforts and request removal from all credit reporting agencies.
      Please respond to this request in writing. This letter is not an acknowledgment of the debt, and any attempt to collect a debt without validation is a violation of federal law.

      COLLECTION ACCOUNT:
      EXPERIAN:
      Creditor’s Name: FST PREMIER
      Account Number: ****************
      Date Reported: 05/04/2025
      Date Opened: 11/01/2022
      Balance: $1,064

      EQUIFAX:
      Creditor’s Name: FST PREMIER
      Account Number: ****************
      Date Reported: 05/01/2025
      Date Opened: 11/01/2022
      Balance: $1,064

      TRANSUNION:
      Creditor’s Name: FST PREMIER
      Account Number: ****************
      Date Reported: 06/08/2025
      Date Opened: 11/23/2022
      Balance: $1,064

      Business Response

      Date: 06/24/2025

      RE: First PREMIER Bank
      credit card account ending in ****

      Dear *******

      Upon receipt of your
      complaint, we ceased collection efforts. There is not a requirement that first
      party creditors receive a license and registration to collect in your state.

      Debt validation is only
      required of debt collectors. First PREMIER Bank is the original creditor, not a
      debt collector. The application was received online and there is no signed
      contract available. Please refer to your past billing statements for listing of
      all payments, charges, and fees on the account.

      This account was opened in
      November 2022 and became delinquent in November 2023. The balance and
      delinquency continued to increase until the account charged off in May 2024
      with a balance of $1,064.63, which remains today.

      Charged-off accounts
      remain on a credit report for approximately seven years from the charge off
      date, and accurate information is neither changed nor removed early. It is the
      responsibility of the consumer reporting agencies to remove accounts at the
      correct time.

      Our records indicate that
      there is another account associated with your name and address. This account,
      ending in 2514, was opened in July 2021. In May 2024, the account was charged
      off with an outstanding balance of $945.12, which remains unpaid to date. The
      credit reporting information above, also applies to this account.

      If you have further
      questions or concerns, please contact Customer Service at *************

      Sincerely, 

      Office of the President
      Business Communications
      PREMIER
      Bankcard, LLC                                                                                     
      ** *** ****
      Sioux Falls, SD 57117-5114
      (ko)

      (15488)

      PREMIER Bankcard, LLC is a registered Member Service
      Provider for First PREMIER Bank.

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