First Premier Bank Customer Service Issues

I have faced numerous issues with your company's billing practices. Using the card and paying the bills with my bank account was not sufficient to prove my address, which led to unauthorized charges on my card. The company's decision-making seems questionable, targeting individuals with poor credit. It's frustrating to deal with these fraudulent tactics. I will be seeking legal advice to address these concerns. The company's approach is appalling, and I am considering taking further action through a class-action lawsuit. I intend to escalate this matter by reaching out to local news stations to expose these unethical practices.

I called several times to address the situation, but each time I was put on hold for a long time, which was difficult for me to do at work. After being caught by surprise due to a recent family loss, I explained they had permission to speak with my wife to handle any necessary arrangements. Unfortunately, they called back repeatedly, even after being informed we were managing a funeral. Despite acknowledging our past due balance and our willingness to create a payment plan, they keep insisting on speaking with me, although my wife handles the bills and is also on the account. They assured her they could arrange a payment schedule while allowing us to keep the card, yet my credit report shows the account as closed. I am extremely frustrated with their lack of consideration and numerous phone calls. I work long hours and cannot afford to spend more time on hold when I have already authorized them to communicate with my wife about the account.

Hi, my fiancé, Tommy S., and I, Carolyn A., have a complaint about our First Premier Bank card from South Dakota. I made a payment of $[redacted].00 in June [redacted], but the bank didn't deduct it from Tommy's account on May 3, [redacted]. They attempted to take the payment on May 5, but it didn't go through due to insufficient funds since we have other bills too. The customer service representative recently tried to take the $[redacted].00 payment for July [redacted] today, which is not on our payment schedule. We acknowledge our mistake of using the card incorrectly for withdrawals instead of purchases, but the excessive charges are causing issues. We haven't been able to use the card since April [redacted]. Please correct this error and allow us to use the card before the next payment is due in August [redacted]. Thank you.

I recently realized that an automatic bill payment app was causing my bills to bounce without my knowledge. Upon attempting to use my Premier credit card, I discovered it had been closed without my awareness. I promptly paid off the outstanding balance to zero and attempted to resume using the card, only to find it declined. After contacting customer service, I was instructed to fax documentation proving the app's malfunction not just for their company but for others too. I submitted the required documents as requested. Following up today as advised, I was informed that it might take until Wednesday to review and potentially reopen my account. Expressing my financial constraints, I explained the urgency to resolve this matter promptly.

I paid my credit card in full on 10-26-[redacted], and it was posted the same day. I called to speak with a representative to inquire why the funds aren't reflecting in my available credit. The representative initially mentioned they would be available on November 3rd. When I called back on November 3rd, another representative questioned the source of my information and clarified that the funds would not be available until November 26th, a month from when I made the payment. I am confused as to why my funds are not accessible, and I kindly request First Premier Bank to update my available credit accordingly.

Please clearly outline the issue you experienced, including the product involved and your desired resolution. Providing more details will help expedite and enhance the outcome of your request. Thank you.

To Whom It May Concern, I am Christopher J. Walton, writing to address my First Premier Bank account with the number 517800XXXXXX that has been closed. Following my return from Afghanistan in [redacted], I have been coping with Bipolar I and PTSD, experiencing periodic relapses lasting months. During a mental health crisis, I made impulsive decisions, including maxing out the credit card linked to the mentioned account. I acknowledge my past irresponsible actions and have been actively working to rectify the situation since stabilizing my mental health. I respectfully request the removal of the closed account from my credit reports, as I settled the debt with First Premier Bank in May of this year. I hope you can empathize with the challenges I faced during that time and consider my appeal. Please feel free to reach out to me with any questions. Thank you for your attention and understanding. Sincerely, Christopher J. Walton [redacted] Arapahoe Ave Apt [redacted] Boulder, CO [redacted] Phone: [redacted] Email: [redacted]

Hello, my name is James Jonas, and I have an auto loan through your bank with the loan number [redacted]. Unfortunately, there have been issues with my payments getting lost or not credited correctly, resulting in extra charges. This has led to significant frustration, with [redacted] complaints already filed with the BBB and the attorney general. Despite sending payments with a required signature, there have been delays in processing, up to 11 days at times. I need transparency in where my payments are going, especially when they have been signed for upon delivery. To ensure clear communication, I request that all correspondence be in writing, and I will be recording all future calls for mutual protection. I hope to resolve these payment discrepancies promptly. Thank you for your attention to this matter. Best regards, James Jonas

I accidentally made an extra payment last month for March [redacted]. Initially, I made a payment on two separate accounts that did not go through, so I repeated the payment. After realizing the error, I contacted customer service and was advised to stop the accidental payment. I reversed the charge while it was in pending status at the bank. Unfortunately, there were insufficient funds for the accidental charge, which led to the cancellation of my accounts by First Premier Bank. My original payments were successfully completed.

I would like to express my gratitude to the customer managers Dorris Wolberink and Greg Hassel for their assistance. I initially encountered some challenges with my payment process, as there was a fee involved for a quick payment over the phone and a delay with an online external check, leading to a potential late fee. Although I requested the late fee be waived due to setting up the external check for future payments, there was some miscommunication. The conversation extended longer than expected, causing frustration. As a result of this experience, I am considering exploring other options that offer better rates. My intention was solely to make a payment for my boat, not to seek out a new lender. Unfortunately, after the lengthy interaction with Greg, Dorris, John, and Norm, my perception of the bank's customer service has been negatively impacted. I plan to share my experience through reviews to alert others and am now in search of an alternative banking institution due to this dissatisfaction.

If my suspension is not lifted and I am unable to use my card by tomorrow, my lawyer will be in touch. I find the current situation frustrating, and I am upset with the service I have received. I believe in standing up to companies that do not treat customers well. I intend to take action if the issue is not resolved promptly. My name is Clayton Norton, and you have my card number [redacted] and the last 4 of my Social is [redacted]. Please contact me at [redacted] to provide an update on when the suspension will be lifted. Thank you.

I am frustrated because my account was closed after two unsuccessful automatic withdrawals for the monthly minimum amount of $30 were rejected due to insufficient funds. I had a $[redacted] refund that I believed would cover the monthly payment, so I used the remaining funds in my linked account for other expenses. I was surprised that the refund was not considered a payment and upset that there was no notification from First Premier about the declined payments or the risk of account closure. Customer support was unhelpful, and I feel mistreated by the lack of communication and support from the company.

I have noticed unauthorized charges on my card and have been unsuccessful in reaching a representative to address this matter directly. I sent a letter to the provided address in the automated message two weeks ago, but I have not received a response yet. My card is now maxed out due to these unauthorized charges, which I did not make. I can confirm that the charges from Lexington Law are valid, but any other expenses are not authorized by me. While I used the card at Lamey Wellahans in February or March for an emergency involving my daughter's need for boots, any other charges are unauthorized. The inability to speak to a representative is frustrating, as it has now affected my relationship with Lexington Law due to missed payments. I find this lack of customer service to be disappointing and unprofessional.

Regarding my First PREMIER Bank credit card account ending in [redacted], I am aware that I have exceeded my limit. Despite being presented with various new account options, I am now facing an increased payment from $70 last month to $[redacted] this October. An issue arises as my income comes from monthly Social Security payments of over $1,[redacted], which are received on the second Wednesday of each month. Therefore, I will be unable to make the $[redacted] payment until September 9th, [redacted]. It would greatly assist me in managing my payments if the due date could be adjusted to the second Wednesday of each month. Additionally, I kindly request the option of speaking with a live operator when contacting your customer service phone line. Thank you. - Gerald M Owens (Jerry)

Dear Customer Service, I'm reaching out regarding my recent receipt of my 3 free credit reports. I noticed that First Premier is still listed as a "charge-off" despite being marked as paid in full. On April 4, [redacted], I settled the full amount of $[redacted].00. I was assured by a representative when I agreed to pay this account ([redacted]38****) that a credit deletion would follow upon payment, which has not occurred. I have been diligently working on improving my credit score, and this discrepancy is hindering my efforts. Two other companies have successfully completed this process for me earlier this year. Unfortunately, I lack further details about this particular account besides what is reflected in my credit reports. I kindly request that you honor your commitment, as I have, and proceed with the credit deletion. I await your guidance. Thank you. Sincerely, Nancy M Walker 45 School St., #[redacted] Quincy, MA [redacted]

Hello, I have a query regarding a payment I made today, December 18, [redacted], at 2:30 pm. The payment was for $[redacted], and it was processed over the phone. After completing the transaction, I tried to check my First Bank account but did not see any record of this payment. I kindly request clarification on this matter, or else I may need to contact my bank to cancel the transaction. Thank you.

I have had an account for a few months to build my credit. I usually use the credit for my regular monthly expenses and pay it off entirely the next month. Last month, my father-in-law fell ill and couldn't return from the hospital. Due to uncertainties, I could only make a minimum payment. Unfortunately, my bank has had major issues the past few months, which caused my payment not to go through. I encountered a bank error that resulted in my account being credited with $[redacted], clearing out my balance. After resolving the bank issue, I paid $[redacted] on my card as promised. However, upon inquiring about my available credit, I was informed that my account was no longer active. This has left me in debt, facing unpaid bills and the loss of my storage unit. I'm seeking a reconsideration of this decision as I have diligently made payments and strived to improve my credit. I've recently switched banks to avoid any further problems and have always paid in full as committed. I'm in urgent need of credit assistance, especially during this difficult time. I ask for a review of my situation and acknowledgment of my efforts to fulfill my obligations and improve my credit standing. Thank you for your time.

Regarding my 1st Premier Credit card account, I have one card with a higher limit and one with a lower limit. Due to the unexpected loss of my children to suicide, I struggled to pay my bills on time. To afford their burials, I refinanced my mortgage to lower my payments. Unfortunately, two late payments in November are affecting my credit report and impacting the interest rate. I kindly ask for your understanding and help in removing these late payments. Perhaps I could receive written confirmation once this matter is resolved. As a single mother with surviving children, I am going through a difficult time and hope for mercy in this situation. Your support is greatly appreciated. Thank you and God bless. - Cyna Ornelas [redacted] Palmer St. Pomona, CA [redacted]

In December [redacted], I reached out to First Premier via email to inform them about my upcoming surgery to remove my voice box and vocal cords. Unfortunately, I did not receive a response regarding stopping my credit card. I then spoke with an agent to try to stop one account but later received a letter stating both accounts needed to be included. I have a rare and incurable kind of cancer and a limited time to live. I can provide documentation if needed. Due to my difficulty speaking on the phone, the smaller account has been charged off while the larger one remains active. I make a $40 monthly payment on the larger account as it is all I can manage.

Brandon Brown [redacted] Raintree Drive Montgomery, Texas [redacted] Account Number: 5[redacted] [redacted][redacted] June 2, [redacted] To Whom It May Concern at First Premier Bank, I hope this letter finds you well. I am writing to address an issue I recently discovered on my credit report dated June 2, [redacted]. It has come to my attention that there was an account in collection status associated with my name, Brandon Brown. I take full responsibility for falling behind on payments due to personal circumstances, particularly losing our house in the past. However, I have since improved my financial situation by furthering my education and securing a better-paying job, allowing me to manage my finances more effectively. I have maintained a flawless record of on-time payments ever since. I am in the process of applying for a mortgage, and I am concerned that the negative mark on my credit report may impact my eligibility. My family is relying on me to provide a stable home for them. I kindly request your assistance in requesting a goodwill adjustment to remove the collection status from my account. The balance has been paid in full, and I urge you to contact the credit bureaus to rectify this error promptly. Thank you for taking the time to consider my appeal, and I sincerely hope for a positive resolution. Best regards, Brandon Brown Phone: [redacted] Email: [redacted]