Complaint Review: First Premier Bank Card MAster Card - portland Oregon

we had got 1 card in april 07 for a credit builder with a $300 limit with 9.99% intrest it was fine just trying to build more credit.made all payments on time in good standing so they offered us another card in aug 08 so we thought why not more credit to make us look better.for some stupid reason the card limit was only $250 so with all the fees only had $49 credit ok fine we are building better credit right WRONG as we were car shopping a few times there cards never came up on any credit reporting agency so we are not building any credit which sucked.i called and of course they say we report to all credit agencies LIARS I HAVE MY REPORTS IN FRONT OF ME NOT ON THERE.

so we continue to make payments on time and kept them current in good standing then in jan 09 they added 2 extra charges at $7.00 each 1 for online access to our accounts and 1 for a payment processing fee.makes no sense so now it cost me $7.00 just to make a payment then they add a $2.89 cash advance fee for so called protection which just happens to add up to $25 exactly which is the minimum payment monthly.1 of our cards was up fpr renewal and i told them 3 times 2 months 1 month and the day before the renewal that we did not want to renew the card so dont bother sending us a new one as we dont want the second card anymore waste of money.so the new card comes anyway with all the stickers on it because you have to call to activate it.well they just went ahead and renewed the account which overdrafted the card so more fees i called and all i got was talked over and yelled at they dont listen.they even tried calling my boyfriends phone every 2 hours for 1 month straight and they asked him to authorize them to charge my bank account $319 of course he said no.this is illegal as i am the card holder and he is not authorized to make those decisions.i trust him but not premier.just to ad they violated the contract by adding charges and fees i signed a contract with one set of rules and fees but they added fees without giving us the option of opting-out which is what they have to legally do but never did so they are in breach of contract.

so i tried going online to make a payment on the card that was current and had credit but i can not make a payment or get access to my accounts online that im being charged for to make a payment so i call and they say i have to pay all the fees on the other card to make it right because the deactivated both cards.so im being charged all the fees for monthly use overdraft fees and the cards are deactivated and i never authorized a renewal but now they say they combined the accounts and have to pay the fees on the one they illegally renewed just to get my other card working again.these are 2 different accounts.so im not sure how they were able to charge the new card i did not renew when i didnt activate it.so its ok for them to charge on it but i cant.

this company is nothing short of thieves and liars when they call i ask for the rep's name and refuse to give it or give a fake name and then i ask for a empolyee # then they hang up on me then call back 1 hour later telling me they want there money.its like talking to a dead horse actually worse these people talk over you very rude and wont listen.i filed a B.B.B report (they have over 4,000 complaints in 36 months)i got 1 response which didnt even address the problem some idiot just copied and pasted the user agreement as a reply to the B.B.B and 3 months later i have updated them and they have not responded back at all to the complaint.so i filed a case with my state attorney generals office im waiting for there reply still so today im making a complaint to the U.S attorney general. 

SAVE YOURSELF THE HEADACHE THIS IS NOT A REPUTIBLE COMPANY THEY DONT REPORT TO AGENCIES SO ITS NOT A CREDIT BUILDER YOU NEVER GET A INCREASE IN CREDIT LIMIT $300 IS THE MAX.SO JUST DONT BOTHER WITH THIS PIECE OF JUNK COMPANY AND ITS MOUTHY EMPLOYEES IF I WAS IN SOUTH DAKOTA I WOULD GO THERE IN PERSON ------------------------------STAY FAR AWAY FROM THESE SCAM ARTISTS THAT DONT FOLLOW LAWS-----------