Complaints
This profile includes complaints for PREMIER Bankcard's headquarters and its corporate-owned locations. To view all corporate locations, see
Customer Complaints Summary
- 898 total complaints in the last 3 years.
- 195 complaints closed in the last 12 months.
If you've experienced an issue
Submit a ComplaintThe 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.
Initial Complaint
Date:06/05/2025
Type: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 two credit card accounts with First Premier Bank. ****************** ******************. I have been unemployed for about 10 to 11 months. I have been using my credit protection account to pay my monthly bills at First Premier Bank. I am required to make a monthly submission to First Premier that shows I am still unemployed and I am using career services to look for a job. I am not currently employed. The last submission I made to First Premier using the form for continuing unemployment was rejected. I have been billed these charges and my credit protection was cancelled. I received forms in the mail to start a new benefit protection account to get monthly payments. I can't start a new benefit because I am still unemployed and the monthly credit must still be applied. It is a continuous claim not a new one.
Business Response
Date: 06/20/2025
RE: First PREMIER Bank credit card accounts ending in **** and ****
Dear *******,
This is in response to your concerns regarding PREMIER Credit
Protection (PCP) and fees associated with your accounts.
As a courtesy, we credited monthly fees totaling $49.50 *****) and $72.00
******. We hope these adjustments are helpful. The monthly fee is billed on the
statement date and will continue until the accounts are closed with a balance
of $20.00 or less. Monthly fees and other applicable fees continue to bill
while PCP benefits are being received.
The emails submitted with your complaint do not contain evidence of
dated job applications or confirmation of registration with a state employment
agency. Per the PCP contract, required evidence includes paperwork showing that
you’ve registered for work with your state employment office or a recognized
employment agency and remain registered and actively seeking new employment
while protection is activated. You must give written proof of your continuing
Involuntary Unemployment (IU) monthly.
The following is a summary of your PCP claims for 2025:
Account ending in ****
01/09/2025: IU claim approved,
payments made, and letter sent requesting more information
02/05/2025: Documentation received, reviewed and
approved, and payment made
03/19/2025:
Documentation received, reviewed and
approved, and payment made
05/20/2025:
Claim went inactive due to not receiving
the requested paperwork monthly and a Benefit Activation Form was sent for you
to fill out if you wanted to continue your benefits
Account ending in ****
01/09/2025: IU claim approved, payments
made, and letter sent requesting more information
02/05/2025: Documentation received, reviewed and
approved, and payment made
03/19/2025: Documentation received, reviewed and
approved, and payment made
05/25/2025:
Claim went inactive due to not receiving
the requested paperwork monthly and a Benefit Activation Form was sent for you
to fill out if you wanted to continue your benefits
Further
proof of involuntary unemployment has not been received on either account since
the documentation you provided on 03/19/2025. You can send proof dated after
03/28/2025, and we will review for continuation of benefits.
We hope
this information is helpful. If you have further questions, please call
Customer Service at ***** *********
Sincerely,
Office of the President
Business Communications
PREMIER
Bankcard, LLC
** *** ****
Sioux Falls, SD 57117-5114
(AE)
(15457)
PREMIER Bankcard, LLC is a registered Member Service
Provider for First PREMIER Bank.Customer Answer
Date: 06/23/2025
Complaint: ********
I am rejecting this response because: The forms you sent to process this claim are incorrect. I will attach the forms required to submit. The employment training services of morris, sussex and warren county is a New Jersey State Agency that assists clients with employment. There is a worker name there on the letter *** ****** ****r, who you could contact to verify that I am working with this agency towards getting employment. There is no false information. Please mail the monthly forms for May and June 2025.*** ****** ***** ************* **** ************ *** ************ ******** *******************
**********************
******************************************* This is a link to the documents I previously submitted.
I have attached the last forms I submitted. Please send correct forms for continuing claim.
Sincerely,
******* ******Business Response
Date: 06/25/2025
Dear ********
While we acknowledge that
you were working with an agency in the past, it is necessary for us to receive
updated documentation to proceed further with your claims.
To view for additional
approvals, please provide one of the following:
Dated documentation confirming that you are still actively working with the agency
Dated job applications submitted after March 24, 2025 (0***) and March 28, 2025 (*****
Once we receive the
requested documents, we will review your account to determine eligibility for
additional approvals related to your claims.
We appreciate your
cooperation. If you have additional questions or need clarification regarding
these forms, please reach out to Customer Service at ************.
Sincerely,
Office of the President
Business Communications
PREMIER
Bankcard, LLC
** *** ****
Sioux Falls, SD 57117-5114
(ko)
(15491)
PREMIER Bankcard, LLC is a registered Member Service
Provider for First PREMIER Bank.Initial Complaint
Date:06/02/2025
Type: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.
My Premier Bankcard showed up with 3 fraudulent charges on the same day May 16 , the exact same amount $89.69 and incurred 3 foreign transaction fess $2.69 each for a total of $277.14. It took over two hours to get to a human that said she froze the account and someone from Bank would call me. Friday never heard but did see that I could not log into my account..I kept calling and could get in touch with NO BANK OR BANKCARD PERSONNEL only the same place I spoke to a privately contracted answering service that takes the “lost stolen card info” which could not assist me nor CLOSE THE ACCOUNT. I waited Friday Saturday and Sunday for the phone call from them.. NOTHING. On Sunday I could log into my account but it was a new account number (I can see last 4 digits of it…and nothing else.
I am USA mailing the appx 20 pages of supporting documentation regarding this incident. I am only attaching 2 items to this complaint
Any bank of reputation would have called at the FIRST sign of strange activity, not simply allowed the charges to go thru and then wait until the customer picked up on it. This is horrendous bank practice which is why I told them do not send me a new credit card, but they are sending one to me. Why I said close the account but the one human I got to speak to said I have to “call” the bank directly.. the phone number I was given never connects to a human nor does it give you a number option to close account or anything of relevant value.
I want this rectified. I want my account (the new one that they transferred the total amount due to) credited $277.14 I want this account CLOSED ( I paid the $12. I actually owe.. the monthly service fee) and I want their credit report on my account to show CONSUMER CLOSED THE ACCOUNT! And that credit card was always paid in full and never carried a balance.
**** * *******Business Response
Date: 06/09/2025
Dear *****
We apologize for your
frustrating experience and any miscommunication you may have received.
When you contacted us
outside our normal business hours on May 30, your call was redirected to a third-party provider to assist you with reporting your credit card ending in
4885 lost/stolen due to fraudulent activity. The associate that assisted you
accurately documented the fraudulent charges and forwarded the information to our
Security Department for investigation.
A new account number
ending 1781 was established and account information was transferred.
Our Security Department
contacted you in writing on June 3 to notify you we received your dispute and
issued temporary credits while we investigate the three $89.69 charges to
******* *********** **** ***
On June 5, the
investigation was completed and you were found not responsible for the disputed
charges. These credits will remain on your account and will not be reversed.
While your new account was
being established, your online access is disabled. Our records show you last
accessed your account online on June 8.
We take the security of
your account very seriously and do our best to monitor and prevent fraudulent
activity. We are sorry this happened to you.
If you have further
questions, our Customer Service Department is available at ***** ******** Monday-Friday
7:00 a.m. to 9:00 p.m. and Saturday 8:00 a.m. to 4:30 p.m. Central Time.
We hope this information
is helpful and resolves your concerns.
Sincerely,
Office of the President
Business Communications
PREMIER
Bankcard, LLC
** *** ****
Sioux Falls, SD 57117-5114
(HLL)
(15374)
PREMIER Bankcard, LLC is a registered Member Service
Provider for First PREMIER Bank.Customer Answer
Date: 06/09/2025
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is not satisfactory to me!Granted they reversed all charges yipeee
I also demanded they clost the sccount which has not been done!
IIn the letter the bank sent to me through you..let me tell you simply: You dial the number and see what happens..business hours or after business hours all the same....i spent 2 hours on hold...during normal business hours!!!!! so not sure what normal business hours for Premier Bank...but i can assure you its one of the reasons it is in financial trouble.
I want this account closed.
I would call them....but I am 71 years old two hours is a lot of time for me to waste on stupidity.
I told them in the letters and documents I mailed them to close the account....and they received both packages one addressed to the bank president on saturday june 7 at 6am...usps tracking numbers.
Thank you for your help..but please I want this account closed BEFORE they charge me a $12. monthly fee for having the account; whether I use it or not
**** **** ********
Sincerely,
**** * *******Initial Complaint
Date:05/31/2025
Type: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 received a letter stating I was pre approved for a credit card. I submitted the information they ask for then they responded denied. Not only did I get denied but they caused a hard hit on my credit score. This is misleading information and should not be allowed. When we have unforeseen circumstances and health issues we fall behind and they state they are here to help. Instead of helping they hurt what little bit of dignity we have left. Someone needs to put a stop to these big companies making misleading promises and hurting us more. In the account numbers area I will leave their confirmation number that they provided you have my consent to use it anyway you need to.Business Response
Date: 06/04/2025
RE: First PREMIER Bank credit
card application
Dear ******
On
May 31, we received an online credit card application. Prior to submitting the
application, the following was disclosed:
By submitting this application, you agree that
you have read, understand, and accept the Fees, Rates, and Important
Disclosures listed in the Terms and Conditions. You also acknowledge that you
are applying electronically for the PREMIER Bankcard Credit Card and are giving
PREMIER Bankcard permission to access your credit report from one or more of
the consumer reporting agencies.
The
application was declined and a letter sent to you that day. This type of
inquiry remains on the credit report for approximately two years, and the
consumer reporting agencies are responsible for removing it at the correct
time.
Pre-approved means that the
consumer reporting agency has verified that you met our pre-screen credit
criteria. You still need to meet our credit card criteria to be approved for an
account.
If you have further
questions or concerns, our Customer Service Team would be happy to assist and
can be reached at *************
Sincerely,
Office of the President
Business Communications
PREMIER
Bankcard, LLC
** *** ****
Sioux Falls, SD 57117-5114
(ko)
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, P.O. Box ****, Minneapolis, MN
55480. Toll-free: ***** ********* *** ***** ************* ***** *********
(15373)
PREMIER Bankcard, LLC is a registered Member Service
Provider for First PREMIER Bank.Initial Complaint
Date:05/20/2025
Type: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.
This company has been fraudulently pushing my card over its credit limit. They lied and stated that both cards have to be current for use, and that is false. I was able to use my card ending in **** last month with no issues but couldn't use card ending in **** obviously because it was not current. The rep ** lied about both cards needing to be current and I want the issue resolved immediately. These are two separate cards and they were not established at the same time so they are presenting false information. I record all my phone calls for this very reason.Business Response
Date: 05/29/2025
RE: First PREMIER Bank
credit card accounts ending in **** and ****
Dear *******
We are sorry to hear of
your frustrations.
After receiving your
complaint, we reviewed your call with Customer Service and confirmed you were
provided accurate information regarding your accounts and reason for decline.
If a related account is
out-of-terms by the pre-determined criteria, neither account can be used for
purchases. Your account ending in **** was declined on May 17 because your
account ending in **** is past due and over the credit limit.
In your complaint, you
stated you were able to use your account ending in **** in April without an issue,
although your account ending in **** was out of terms. We confirmed the account
ending in **** was only used on April 7. On this date, your account ending in
**** was not out of terms.
You stated we are
fraudulently pushing your account over the limit but did not explain why. If
you need to dispute fraudulent charges or have questions about your balances,
please contact Customer Service at (**** *********
We hope this information
is helpful and addresses your concerns.
Sincerely,
Office of the President
Business Communications
PREMIER
Bankcard, LLC
** *** ****
Sioux Falls, SD 57117-5114
(HLL)
(15280)
PREMIER Bankcard, LLC is a registered Member Service
Provider for First PREMIER Bank.Customer Answer
Date: 05/30/2025
They are lying about a call from April. I’m referring to a recent phone call in May. They have not provided any proof or documentation of that conversation and have not answered my questions. Why is it so difficult for you to do your job properly and achieve satisfactory results? They have given false information twice, yet you’re trying to close my complaint without any resolution. This is unacceptable, and I will be filing a complaint against your company as well. I have more than 1 account as I stated and they are not connected since they were not opened at the same time. They are falsely reporting on my credit and they don't even have my correct FICO score so they need to stop lying to correct it.Initial Complaint
Date:05/14/2025
Type: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 made a payment with Premier , through my bank of $25 , but Premiere Company claimed that I made a payment of $230, in which is totally untrue. I try to resolve the issue through Premier. Then I was told to call my bank. My bank resolved the issue by taking the $230 back., not only did Premiere shut down my credit card account, but they also took my $60.54. That has absolutely nothing to do with this incident, that is $60.54 was there before this incident. That was a glitch on Premiere end, not my end or the my banking financial institution. Premier wanted me to get a letter from my bank stating that they made the error, and I told Premiere no because that would be telling a lie when it was an error on Premiere behalf ! And charges for the month was already taken out on May 1, 2025. The amount down below, was the $230 that I was disputing about , and it was the $60.54 , that was already added to my accountBusiness Response
Date: 05/21/2025
RE: First PREMIER Bank
credit card accounts ending in **** and ****
Dear *********
We are sorry to hear of
your frustrations. Below is a summary of your accounts.
Account ending in *****
The payment of $230.00 was
submitted online on May 3. The amount of $230.00 was entered by you, the payee.
We processed it for the amount requested on May 4. The payment was returned as
unauthorized on May 12 and the account was closed due to the risk involved with
an unauthorized payment. A letter of explanation was sent.
When we spoke with you on
May 13, the associate accurately explained the options on how to reopen this
account.
The remaining outstanding
balance is $540.15, and the next minimum payment is due June 24.
Account ending in ****:
This account was closed at your request on May 13. The current balance is
$694.98, and your next minimum payment is due June 25.
When an account is closed,
you remain responsible for the outstanding balance and the available credit is
reduced to zero as it can no longer be used. No refund is due. The $60.54 you are referring to in your
complaint was the available credit prior to the closing of your account.
Please respond to us
through the Better Business Bureau website if you are interested in having your
accounts reviewed for re-open.
We hope this information
is helpful and addresses your concerns.
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,
P.O. Box 1200, Minneapolis, MN 55480. Toll-free: (888) 851-1920, Fax (877)
888-2520,TDD: (877) 766-8533.
(15232)
PREMIER Bankcard, LLC is a registered Member Service
Provider for First PREMIER Bank.Business Response
Date: 05/29/2025
Dear *********
As previously stated, your
account ending in **** was closed due to the risk involved with the
unauthorized payment and the account ending in **** was closed at your request.
Upon account closure, there is no available credit.
If you are interested in
having your accounts reviewed for reopen. Please respond to us through the
Better Business Bureau.
If you have any other
questions or concerns regarding your balances, please reach out to Customer
Service at *************
Sincerely,
Office of the President
Business Communications
PREMIER
Bankcard, LLC
** *** ****
Sioux Falls, SD 57117-5114
(ko)
(15294)
PREMIER Bankcard, LLC is a registered Member Service
Provider for First PREMIER Bank.Customer Answer
Date: 05/30/2025
Complaint: ********
I am rejecting this response because:
Sincerely,
******** ********* because my money should be refunded back to me, the same way I put it on my Premiere card. All my charges was paid up on these accounts for the month . They have no reason to keep my $60 dollars and something change on account **** and account ****. I want my money back , premiere unlawfully took my money out of my accounts !Initial Complaint
Date:05/12/2025
Type: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 debit with PREMIER BKCRD/FIRST PREMIER I do not have a credit card or account with them. PREMIER BKCRD/FIRST PREMIER has not provided me with the original contract, account or credit card aplication as requested.Business Response
Date: 05/15/2025
Dear J*******
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
(crc)
(15224)
PREMIER Bankcard,
LLC is a registered Member Service Provider for First PREMIER Bank.Initial Complaint
Date:05/12/2025
Type: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 making one final effort to work with first premier before I escalate further. I’m tired of their negligence and unscrupulous tactics. I closed my accounts because I was concerned about their handling and account security,
I have zero clue what they are billing me for u agree to $10 monthly they requested that I pay a 2nd payment after initial payment to activate plan further advising it would be applied to following ml tg the next month I paid early fir the following month their system kicked me oof if plan alledgedly since it did not recognize payment dates as advised they then without knowledge or authorization changed payment to $30 monthly per card plus fees and interest and have repeatedly been found liable in mishandling of account and reporting. They are charging monthly fees on a closed account for one again without knowledge. They keep reporting closed by them it most certainly was not these were closed at my written and oral request
I have paid hundreds in unauthorized fees and interested and constantly deal with account servicing issues. These accounts neee to immediately be zero’d out for customer service it is all fees none of which ever known and you did not close these accounts I did and we both know better
Should be zeroed out paid in full remove all remarks or changed to closed at consumer request then remove as much of my personal info as legally permissible if not resolved I will be moving forward with ftc CFPB and legalBusiness Response
Date: 05/21/2025
RE: First PREMIER Bank
credit card accounts ending in **** and ****
Dear *****
Your concerns with our Workout
Program and payment issues have been addressed multiple times through the
Better Business Bureau and Consumer Financial Protection Bureau.
While we understand you
disagree, as we have explained multiple times, the accounts were properly
removed from the Workout Program.
When you opened the credit
cards with First PREMIER Bank, you accepted the terms of the accounts, which
includes accountability for fees and interest. The monthly fee is charged on
the statement date and continues to bill until the account is closed and
the balance is less than $20.00. A late fee is charged when
the minimum payment is not received by 5:00 P.M. Central Time on the due
date. The closing of your accounts does not stop fees and interest from
accruing, except for the annual fee.
You have received multiple
late fee and collection credits:
Account ending in ****:
$486.00 in late fees and $163.87 in collection credits
Account ending in ****:
$270.00 in late fees and $116.47 in collection credits
Both accounts were closed
at your request on March 6, 2023. After reviewing this complaint, we found that
TransUnion and Equifax were inaccurately reflecting the account as closed by
credit grantor. A correction update was sent to these agencies on May 15.
Please allow adequate time for this to reflect on your credit report.
The balances are $150.88
(****) and $231.79 (****), which you remain responsible for.
We consider this matter
resolved.
Sincerely,
Office of the President
Business Communications
PREMIER
Bankcard, LLC
** *** ****
Sioux Falls, SD 57117-5114
(HLL)
(15219)
PREMIER Bankcard, LLC is a registered Member Service
Provider for First PREMIER Bank.Initial Complaint
Date:05/09/2025
Type: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.
Dear Better Business Bureau,
I am writing to formally file a complaint against Midland Credit Management (MCM) regarding an alleged debt they claim I owe. This debt is supposedly associated with Capital One N.A., but I dispute this claim entirely.
Reason for Complaint:
I have never entered into any contract or agreement with First Premier bank
I am not liable for this debt and have not authorized First Premier bank to collect any payments from me.
First Premier has been attempting to collect a debt without providing any valid proof of obligation under a legally binding contract.
This constitutes an unfair and deceptive debt collection practice, which may be in violation of the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA).Requested Resolution:
I demand that Midland Credit Management cease all collection efforts and remove any negative reporting associated with this alleged debt from my credit report immediately.
I request that proof of a valid, signed contract linking me to this debt be provided. If no contract exists, they must acknowledge that I do not owe this debt.
If First Premier bank continues to pursue this matter without providing legally valid documentation, I will escalate this complaint to the Consumer Financial Protection Bureau (CFPB) and explore legal options for unfair collection practices.
I request that the BBB intervene in this matter and urge First Premier bank to respond to this complaint in writing within 30 days.
Thank you for your time and assistance. I appreciate your prompt attention to this issue.
Sincerely, James BerryBusiness Response
Date: 05/15/2025
Dear ******
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
(crc)
(15223)
PREMIER Bankcard,
LLC is a registered Member Service Provider for First PREMIER Bank.Initial Complaint
Date:05/09/2025
Type: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.
The delinquent payments showing on my credit report April 22, August 22, September 22, October 22, November 22 were all a result of me not being able to work and losing my job due to COVID-19. The cares act passed into law on March 27, 2020 and ended May 11, 2023 amended the fair credit reporting act ( FCRA) to stop adverse credit reporting during the covid - 19 crisis under these circumstances. These late payments should be updated to PAID/AGREED during this time period.Business Response
Date: 05/15/2025
Dear Engla:
This is in response to
your concerns related to First PREMIER Bank credit card account ending in *****
Early in the pandemic, we
implemented a Coronavirus Relief Program to help customers when they let us
know they couldn't make payments. This program ended in June 2021, which was
prior to your account being opened and the delinquency that occurred.
Your account was opened in
July 2021. If we do not receive at least the minimum payment for two or more
due dates in a row, an account reports delinquent.
Accurate information
reported on your credit report cannot be removed and we do not make credit
reporting adjustments in goodwill. We hope you can understand our commitment to
accurate credit reporting.
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******* ********* *** ** * ********** ****** ******* ******** *** ***** *****ER Bank.Initial Complaint
Date:05/07/2025
Type: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 don't own this account and I want it removed immediately from my credit reportCustomer Answer
Date: 05/08/2025
I ******* ******* has disputed the transaction with the creditor First Premier bank via , mail , email and thru all credit bureau in mail, and online the outcome has been the same I have asked for all the information to be sent to me about the account I have never received a debt validation from them or the credit bureau that keeps validating the debt. I'm disputing the debt of First premier bank for account **************** for the amount of $637 they continue to post on my account and do not validate the debt with me but the credit bureau allow them to validate the debt with them no proof was ever sent to me everBusiness Response
Date: 05/13/2025
**** ********
This is in response to
your concerns related to First PREMIER Bank credit card accounts ending in **** *** *****
Debt validation is only
required of debt collectors. First PREMIER Bank is the original creditor, not a
debt collector.
Summary of account
ending in *****
This account was opened in
December 2020 and became delinquent in November 2022. The balance and
delinquency continued to increase until the account charged off in April 2023
with a balance of $637.50, which remains today.
Our Security Department
has investigated your claim of fraud multiple times, most recently on May 8,
and found you liable. If you have additional information or documents to
support your claim, please send to:
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Charged-off accounts
remain on a credit report for approximately seven years, and accurate
information is neither changed nor removed early. It is the responsibility of
consumer reporting agencies to remove accounts at the correct time.
When you dispute an
account with the consumer reporting agencies, our responses are provided
directly to them.
Summary of account
ending in *****
You were found not liable
for this account on March 25. We confirmed this account is no longer appearing
on your credit report.
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******* ********* *** ** * ********** ****** ******* ******** for First PREMIER Bank.Customer Answer
Date: 05/13/2025
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,
K****** *******
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