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Business Profile

Bank

First Electronic Bank

This business is NOT BBB Accredited.

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Complaints

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

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First Electronic Bank has 2 locations, listed below.

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    Customer Complaints Summary

    • 63 total complaints in the last 3 years.
    • 28 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.

    Sort by

    Complaint status

    Complaint type

    • Initial Complaint

      Date:07/02/2025

      Type:Order Issues
      Status:
      Answered
      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 First Electronic Bank/Destiny Mastercard, I do not have a contract with Spring Oak Capital LLC, they did not provide me with the original contract as I requested.

      Business Response

      Date: 07/08/2025

      A formal response has been mailed. Please allow 7-10 business for delivery. Thank you.

    • Initial Complaint

      Date:06/30/2025

      Type:Service or Repair Issues
      Status:
      Answered
      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 was just informed that the police department tried to serve me papers at my home and looked it up to see why and I am being sued by first electionic bank and have never even heard of them to have had anything to do with them however they have an account in my name and a credit card as well that I have personally never applied for

      Business Response

      Date: 07/08/2025

      A formal response has been mailed. Please allow 7-10 business for delivery. Thank you

    • Initial Complaint

      Date:06/11/2025

      Type:Billing Issues
      Status:
      Answered
      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 08 FIRST ELECTRONIC BANK
      I DO NOT HAVE AN ACCOUNT WITH 08 FIRST ELECTRONIC BANK THEY DID NOT PROVIDE ME WITH ORIGINAL CONTRACT AS REQUESTED.

      Business Response

      Date: 06/17/2025

      Hi, I was hoping if we can get an extension for the 25th? 

      Business Response

      Date: 06/25/2025

      A formal response has been mailed. Please allow 7-10 business for delivery. Thank you.

    • Initial Complaint

      Date:03/18/2025

      Type:Customer Service Issues
      Status:
      Answered
      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 the debt with First Electronic Bank/Destiny card. I do not have a contract with *****************. They did not provide me with the original contract as requested.

      Business Response

      Date: 03/24/2025

      A formal response has been mailed. Please allow 7-10 business for delivery. Thank you

    • Initial Complaint

      Date:03/03/2025

      Type:Order Issues
      Status:
      Answered
      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 FIRST ELECTRONIC BANK, and I do Not have a contract with MIDLAND CREDIT MANAGEM, They Did Not Provide me with the Original Contract as I Requested.

      Business Response

      Date: 03/07/2025

      A formal response has been mailed. Please allow 7-10 business for delivery. Thank you.

    • Initial Complaint

      Date:02/05/2025

      Type:Billing Issues
      Status:
      Answered
      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.
      In November of 2024 I was issued a late payment for my Destiny Mastercard. While the late notice is correct there are extinuating circumstances. I have been out of work taking care of my mother and have had health issues of my own. I have made every other payment on time since opening the card last year. I was hoping as a courtesy and good faith moving forward this late fee can be dropped off my credit report. Thank you.

      Business Response

      Date: 02/10/2025

      A formal response has been mailed. Please allow 7-10 business for delivery. Thank you.

    • Initial Complaint

      Date:02/04/2025

      Type:Billing Issues
      Status:
      Answered
      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.
      Im not liable for this debt with First electronic bank. I do not have a contract with Midland credit **************, they did not provide me with original contract as I requested

      Business Response

      Date: 02/10/2025

      formal response has been mailed. Please allow 7-10 business for delivery. Thank you.

      Customer Answer

      Date: 02/10/2025

       
      Complaint: 22897217

      I am rejecting this response because: they have not provided me with any documentation that says I have entered or agreed to pay them. I have never opened an account with ****************** bank. 

      Sincerely,

      **** *****

      Business Response

      Date: 02/11/2025

      Hello, a formal response has been mailed. Please allow 7-10 business for delivery. Thank you.

    • Initial Complaint

      Date:01/28/2025

      Type:Order Issues
      Status:
      Answered
      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’m not liable for this debt with FIRST ELECTRONIC BANK. I do not have a contract with
      MIDLAND CREDIT MANAGEMEN collection agency. They did not provide me with the original contract as I requested.

      Business Response

      Date: 01/31/2025

      A formal response has been mailed. Please allow 7-10 business for delivery. Thank you.

    • Initial Complaint

      Date:01/27/2025

      Type:Billing Issues
      Status:
      Answered
      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 First Electronic Bank. I do not have a contract with Midland Credit Management Inc, they did not provide me with the original contract requested.

      Business Response

      Date: 01/31/2025

      A formal response has been mailed. Please allow 7-10 business for delivery. Thank you.

      Customer Answer

      Date: 02/02/2025



      Complaint: ********



      I am rejecting this response because:



      Sincerely,



      **** *****

    • Initial Complaint

      Date:01/15/2025

      Type:Service or Repair Issues
      Status:
      Answered
      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.
      Not sure when(I think in November) but was sent a credit card from this bank that I absolutely did not sign up for nor had any knowledge of until yesterday 1/14/25. It has been reported on my credit report as well with a charge of $75 that I have to pay or they will charge a late fee. I will not even look at a credit card that charges an annual fee nor have I been looking for a new credit card to begin with so I know this isn’t me. I have not activated the card or used it in any way. I have done research on this bank as well as the credit card company(Destiny) and many people have said it’s a scam. Others have also been sent a Destiny credit card that they did not ask for.

      Business Response

      Date: 01/22/2025

      A formal response has been mailed. Please allow 7-10 business for delivery. Thank you.

    First Electronic Bank is NOT a BBB Accredited Business.

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