- Report: #32986
Complaint Review: First Premier Bank Card - Sioux Falls South Dakota
-
Author Confirmed
Why?
First Premier Bank Card
www.firstpremierbank.com Sioux Falls, South Dakota, U.S.A.
Web:
N/A
Categories:
Business Rating:
(0)
Tell us has your experience with this business or person been good?
FIRST PREMIER BANK CARD MORE "FUN" WITH FIRST PREMIER Sioux Falls South Dakota
8 AM this fine Sunday morning, I get a call from First Premier, telling me that because of the previously reported unauthorized debits from our checking account that were returned unpaid (including the ones marked "unauthorized transaction"), the $140.50 balance my husband owed is now over $700, and they are sending it to "charge off" in 14 days.
I asked for a manager and after a 5 minute hold, got one. I explained to her that hell would freeze over before we rolled over and paid these fees, as they had already taken out $162.00 more than the amount authorized to begin with, not to mention that it was taken out almost ten days earlier than the date authorized.
She then told me her "notes" showed that my husband authorized ALL of the debits on August 25th. I pointed out to her that I am the one who spoke to them on the 25th, not my husband, as he leaves all financial matters to me.
And his credit rating improved dramatically since our marriage. We have financed a car (on time), he has 5 other major credit cards, gasoline cards and store cards. It is not that we are trying to "beat" them...I just refuse to let them beat us. $140.50 balance becomes $700.00? AFTER they took the $142.50 and more? Oh, hell no!!
"Manager" started a tirade about my two previous reports to the Better Business Bureau and boasted about no action being taken. I sweetly pointed out to Ms. Uncongeniality that First Premier paid for their membership, did not earn it, and the 100+ reports about them on THIS site belies that they "meet standards."
Ms. Uncongeniality became even more belligerent when I mentioned all of the fine reading about First Premier on "The Rip-Off Report." Her response? "NONE of that is accurate." I told her, "I think most of it is." She got quiet and said "what makes you think that?"
I then told her, "because the stories are all very similar." She began ranting and raving AGAIN, so I informed her that I have already filed a complaint with the Attorney General, so she can do what she needs to do and we will do what we need to do legally.
My husband has already filed disclaimers with all three credit bureaus on this account.
If First Premier offers you a card, JUST SAY NO!!
Sherri
Richmond, California
I asked for a manager and after a 5 minute hold, got one. I explained to her that hell would freeze over before we rolled over and paid these fees, as they had already taken out $162.00 more than the amount authorized to begin with, not to mention that it was taken out almost ten days earlier than the date authorized.
She then told me her "notes" showed that my husband authorized ALL of the debits on August 25th. I pointed out to her that I am the one who spoke to them on the 25th, not my husband, as he leaves all financial matters to me.
And his credit rating improved dramatically since our marriage. We have financed a car (on time), he has 5 other major credit cards, gasoline cards and store cards. It is not that we are trying to "beat" them...I just refuse to let them beat us. $140.50 balance becomes $700.00? AFTER they took the $142.50 and more? Oh, hell no!!
"Manager" started a tirade about my two previous reports to the Better Business Bureau and boasted about no action being taken. I sweetly pointed out to Ms. Uncongeniality that First Premier paid for their membership, did not earn it, and the 100+ reports about them on THIS site belies that they "meet standards."
Ms. Uncongeniality became even more belligerent when I mentioned all of the fine reading about First Premier on "The Rip-Off Report." Her response? "NONE of that is accurate." I told her, "I think most of it is." She got quiet and said "what makes you think that?"
I then told her, "because the stories are all very similar." She began ranting and raving AGAIN, so I informed her that I have already filed a complaint with the Attorney General, so she can do what she needs to do and we will do what we need to do legally.
My husband has already filed disclaimers with all three credit bureaus on this account.
If First Premier offers you a card, JUST SAY NO!!
Sherri
Richmond, California
1 Updates & Rebuttals
Cheryl
Hollywood,Florida,
I'm Glad I Didn't...
#2Consumer Comment
Sat, October 26, 2002
It was last wednesday, Oct 16, 2002, midday, when a fellow by the name of Norm Klein called. He was caling from Premier Savings and wanted to offer me a credit card w/ lower interest rates, and said that I could tranfer all my balances from all my other cards on to this "new" card from Premier Savings, and have my debt paid off in no time. When I approximated a total debt of $6,000 to Norm, and asked him how long it would take me to pay my debt off, he seemed unsure. He said the payments would be 2% of the debt amount or $20 for every $1,000 of debt, per month. So if you had $10,000 of debt, you'd pay $200/month. Doesn't sound too bad, does it? I was curious, so I took the conversation a bit further and asked Norm, "Will I be able to use my credit cards I have now?" He replied, "That's a very good question, Ms. Smith. You will still be able to use your credit cards, but why would you want to do that and prolong your debt?" Which he had a point. Sounds "fair" so far... Then the whammie! I would have to pay a one-time fee (I forget how much he said the one-time fee was, because it was in the "hundred-dollar" range so I conveniently went deaf, immediately upon hearing that.) I politely told him I'd have to check it out with my fiance first. I'm SO glad I did! I really was going to call him back and set everything up. After seeing these reports, I'm afraid to consolidate now - not just with Premier Savings -but with anyone! You never know WHO you're dealing with!
