First Premier Bank Customer Service Issues

I was approved for credit and have been waiting for my card. I spoke to one of your representatives on Monday, September 14th, and they requested me to wait until at least Wednesday. After waiting for the mail today, the card has not arrived. I spoke with a supervisor, but the conversation didn't go well. Even though my card was mailed on August 31st and I haven't received it, the company wants to mark it as not received and mail me another one after I pay the $95 fee. I'm hesitant to pay for a card I may not receive. The supervisor suggested erasing my application and reapplying, but that would negatively impact my credit as I'm trying to rebuild it. I feel like the company is pressuring me to pay the fee quickly. All the emails I receive are about paying the fee, which doesn't make sense since I haven't gotten the card yet. I want to be a part of First Premier, but if I can't get the right assistance, I may have to explore other credit-building options.

I am requesting the removal of late fees from my account. Earlier during the stay-at-home orders, First Premier provided a one-month payment relief, which allowed me to reduce my balance. Despite making over five requests to have the late fees removed, I was either informed it was not feasible or offered a mere 3% of what I requested. Considering the current unprecedented circumstances, I am seeking a full refund of the late fees incurred.

I made a monthly payment earlier this month because I haven't received a statement. However, I noticed I was overcharged as another $40 payment was taken out on the 19th of November without my permission. Despite authorizing First Premier Bank to automatically withdraw on the due date, they claimed they don't offer that service. Can you clarify who authorized the additional payment on 11/19? Being disabled and on a fixed income, I rely on timely payments. While I appreciate the opportunity to rebuild my credit, unexpected withdrawals disrupt my finances. Kindly explain the reasoning behind these unauthorized extra payments that conflict with the payment schedule I follow to avoid fees.

I am a First Premier customer. I got the card to boost my credit score for buying a house. Paying on time is crucial to me. I attempted to pay early from a different bank account, but as a first-time user, I mistakenly paid $[redacted] early instead of closer to the due date. Even after waiting, the payment wasn't processed, and an unauthorized charge was deducted. Though I tried to dispute it, resolution is pending. I prevented further unauthorized charges and eventually got the $[redacted] refunded. Another $60 payment was made early using the wrong method, only to have it deducted by the same fraud charge. Despite learning I could pay by card, subsequent payments still had issues. After a $80 payment, $50 was available, $30 missing, which I assumed would be added later. I used the card for around $30, then it got suspended after the payment. I'm waiting for the missing $50 to be added back, and I request the reinstatement of my card now that previous issues are resolved. Thank you.

My name is Laura M. and I have a relatively new account. I diligently make my payments on time. Recently, after separating from my husband, he fraudulently made a payment on my account and drained it before the legitimate payment could be processed. Despite these challenges, I managed to pay my bill promptly. Unfortunately, you closed my account. He has also taken out loans in my name without my knowledge. I relied on these credit cards and was disheartened when my account was closed. I am struggling to comprehend this situation. Due to my busy schedule, I haven't been able to reach out by phone but have made multiple attempts through the app with no response. Thank you for clarifying this for me.

I have been unable to access my credit card account for several months now. Despite numerous attempts to seek assistance by calling customer service, the issue remains unresolved. On a few occasions, I was disconnected as soon as I tried to explain the problem. This has left me feeling extremely frustrated. I received multiple temporary passwords to reset upon logging in, but they have not worked. As I manage and pay my bills online, it is crucial for me to regain access to my account promptly. I am eager to have this matter resolved promptly so I can continue managing my finances online without any further obstacles.

I used my First Premier card on July 13, [redacted]. The company I tried to purchase from had a computer glitch, so the order didn't go through. However, First Premier held the amount of the purchase. On July 14, the company canceled the hold and released the claim, but First Premier hasn't returned the amount to my card. I'm unsure why. The company even called First Premier, provided an authorization code, and asked them to release the charge, but nothing happened. When I called their customer service, I had a frustrating conversation. Initially, they denied receiving the cancellation but later confirmed it. However, they insisted on holding the funds for 15 days. I'm disappointed with First Premier's handling of the situation. Despite being a loyal customer, I feel let down. I doubt anyone will follow up on this issue. I plan to pay off my cards quickly, close my accounts, and switch to a different company. It's unfortunate that I have to take this step.

Regarding Account/Credit Card/Reference Number: 5[redacted] 1[redacted] I contacted you on September 6, [redacted], requesting the following documentation to settle any possible financial obligations lawfully: 1. Proof of the alleged debt (detailed accounting); 2. Confirmation of your claim against me (either a sworn affidavit or a hand-signed invoice as per The Bills of Exchange Act [redacted], Section 23); 3. A copy of the contract signed by both parties and binding both parties. 4. Kindly provide a true and certified copy (NOT a photocopy) of the Original Note (Credit Agreement) under penalty of perjury with unlimited liability. Please confirm that this Note has never been sold. Also, provide the name of the authorized representative from your company who has conducted due diligence under the Anti-Money Laundering and Countering Financing of Terrorism Act [redacted], and specify the actions taken regarding this account. FAILURE TO RESPOND PROMPTLY WILL HAVE LEGAL IMPLICATIONS.

I am extremely disappointed by your attempts to charge me $28.00 in late fees even before the due date. I have proof of this as I always take a screenshot before making a payment. I made the payment on 9/18/[redacted], yet you are trying to sneak in a bogus late fee. It is your error, so please confirm if you will reverse these fees. I have evidence of your confirmation, and I await your response on how this will be resolved. Thank you. CT, First PREMIER Bank has your authorization to withdraw $80.00 from ABA Routing xxxxx0839 and Personal Checking account xxxx8817 to credit your credit card account #XXXX-XXXX-XXXX-[redacted] on or after 09/18/[redacted]. Should your payment be returned, there may be up to two additional resubmissions. Furthermore, any other scheduled payments related to this payment account or other credit card accounts with us may be canceled. Remember, you can delete pending payments anytime from the View History screen.

I have been having difficulty making my credit card payment and am seeking guidance on how to proceed. Due to being placed on call by my employer since August 8, [redacted], I have not been able to earn a steady income as we are waiting for work assignments. I am unsure about the necessary steps to prevent losing my card and am hoping for assistance during this period of uncertainty. My name is Shelly Safley, and I regret not reaching out earlier when the on-call status began. I am willing to make $25 payments weekly until I am called back to work. As a person who is deaf and unable to communicate over the phone, I kindly request communication through text or email. You can reach me at [redacted] Your cooperation during this time is greatly appreciated. Thank you for your understanding and consideration.

I have recently been approved for the First Premier credit card, but I just discovered there is a $95 one-time fee. I am in need of assistance because despite being approved, I am in a challenging situation. I have a 10-year-old son who has mental and physical disabilities, and I am struggling to make ends meet with a monthly income of $[redacted]. We recently moved to escape a domestic violence situation with only a few belongings, and now we are starting over from scratch. The credit card is crucial for emergencies and to improve our credit score to access more support. I am hopeful that there might be a way to waive or defer the $95 fee, as it is difficult for us to afford. I would appreciate it if you could please contact me via email or phone. Thank you.

I find it incredibly frustrating that First Premier Bank does not have an email address for customer communication in this day and age. It would be much more convenient for me to email them instead of having to wait on hold on the phone. I initially applied for a secured line of credit with a $[redacted] limit, paying $95 for it. After being approved, I received the credit card in the mail, though I must say it is quite unattractive. I used the $[redacted] for bills and made my first payment, but then received a letter (ironically through email) saying my account was being closed due to the $95 not being received. It doesn't make sense to me how they could give me the line of credit without first getting the $95. Now they have closed my account but continue to demand further payments. I feel deceived by their actions and the lack of proper communication. The recent letter notifying me of the account closure was unnecessary since I haven't been able to use the card for quite some time. - M. C. Evans

I made a payment of $14.95 to your company, but it was returned without any explanation. I was unaware of this until I received a rude phone call from your company yesterday. My payment history shows I have never been late before. I settled the balance yesterday, but my account is now closed. The representative assured me everything was fine, but my account is actually permanently closed. This seems very suspicious to me. I need clarification on why I lost my deposit and how I can reopen my account without another deposit.

During Cyber Week, I made payments on two accounts. One payment was for $60, which fluctuated but ultimately paid off the other account totaling $[redacted] and some odd cents. I stopped the process because I had additional checks scheduled for the beginning of the month. However, when I contacted the bank, they explained that both payments needed to be stopped as they were linked to the same checking account. I've been a loyal customer for years and have never been late on a payment. Now, I must visit the bank to provide a release and update my information for future payments to go through. To rectify this issue, I will be sending two money orders for $60 each as December payments. The inconvenience and lateness this has caused are frustrating. I am eager to speak with a live representative for assistance.

Hello, I recently paid the $95 enrollment fee, and I believed my credit card was activated. Unfortunately, someone has gained unauthorized access to my account and maxed out my available credit at two different locations without any alert from you. I am quite distressed as this card was meant to help me improve my credit. Can you assist me in resolving this issue? Thank you, Mary C. Update on December 17: I may not have handled the situation correctly or followed the proper procedures, but I was frustrated to discover fraudulent activities on my account right after paying the enrollment fee. Today, I received a bill for my first payment, and this is not how I envisioned using the card to repair my credit. I apologize for any confusion in my previous message. The problem is unresolved. Regards, Mary Connors

Hello, my name is Ronald Backus Jr. I have been in touch with customer service regarding a payment issue. Although I made a $50 payment followed by a $40 payment, the wrong payment was canceled, causing an unauthorized deduction from my account. While the additional payment was refunded, the $50 payment has not been credited back to my account. This has resulted in incorrect interest fees being charged. I have always been a prompt payer and intend to remain so. However, the lack of resolution to this matter is concerning. The customer representative I dealt with was unhelpful and stated that no adjustments could be made until I provided a bank statement, which I have done. Despite this, no corrections have been made to my account. I am now facing not only incorrect fees but also poor treatment. Please reach out to me at [redacted] or email me at [redacted] to address this issue promptly.

I am disappointed with your company's claim of helping to establish good credit while offering me a $[redacted] credit card with a $95 start-up fee and a $75 annual fee, totaling $[redacted] for $[redacted] of credit. It feels more like a hustle than a help. If I keep my $[redacted], I could spend $40 extra without feeling insulted for my ability to do basic math. This behavior is insulting and I expected more from a company claiming to help. I am equally disappointed in Experian for associating with you and will inform them accordingly. If you truly want to help, act accordingly. Disheartened in Georgia, Rev. R. R. C. Jameson.

Hello, First Premier Bank. My name is Gary Conner, and unfortunately, I seem to have misplaced my funds in your bank on 03/05/[redacted]. I will require a new bank card. Please reach out to me at [redacted]. There is no power of attorney for me; in fact, I am the power of attorney for several individuals, so there is no need to discuss this matter with anyone else. Thank you for your understanding, as any breach of my privacy would be a violation of the law.

After months of waiting, I finally received my replacement credit card. Despite updating my information, the cards kept getting sent to my old address where I haven't lived for four years. I was charged $35 for the rush delivery, but it's not fair since the system keeps sending it to the wrong address. I faced a similar issue with another card from the company, and it's frustrating. Even after paying off my balance and waiting patiently, the customer service response has been unsatisfactory. I find the interest rate outrageous, but I still use the card. It's disappointing that I couldn't get anyone to help me with the delivery issue. To add to my frustration, I received a second card for my son that was canceled two years ago. I am extremely disappointed with the service.

After discovering that someone fraudulently opened an account in my name, I took action with the credit report agency and First Premiere. While they removed the account from my credit report, there seems to be an issue with my social security number not being updated in their system. If this is not rectified by Tuesday, I plan to escalate this matter to the Better Business Bureau, Attorney General's office, and pursue legal action. I am disappointed by the situation and the need to escalate, but I am determined to resolve this so I can move forward with improving my credit. I can be reached at [redacted] until Tuesday. Rest assured, if necessary, I am prepared to take further steps to protect my identity and credit. Thank you for addressing this promptly.