Complain about a product or service

First Premier Bank - Fees

Michael of Weymouth MA (11/19/08)
Like most people looking to repair their credit, I needed a credit card to help repair my history. I applied to First Premier Bank for an unsecured credit card in 2006. I was given a mere 250.00 limit. I made my payments and rarely used the card, hence the low credit limit. I believe overall I have paid more in fees than I've actually spent.

They charge you their annual fees, maintainece fees and online acess fees. It adds up to well over 100.00 dollars a year. I am currently purchasing a house and need to show that my current credit cards are paid up to date. I have a 0.00 balance with First Premier Bank. I am set to close next month so I need an up to date statement showing my name and adress with balance.

First Premier Bank has no access to historical bank statements even though I pay a monthly fee! I called them and asked for a formal letter to be faxed to mortgage lender showing current 0.00 balance. They replied that they could not since it is not in their policy. I told them FACTUALY that the determination of the loan resides on showing a 0..00 balance on the account, yet they still would not comply. If the loan actually does go through, the very next day I will be canceling First Premier Bank credit card.

Ironically, Consumer Reports Magazine has rated First Premier Credit Card as THE WORST credit card. Since I have been with First Premier Bank since '06, I requested a credit limit inrease from my 250.00 limit in September of this year. They denied me and managed to tack on a credit increase inquiry fee. This is very curious seeing that I have several major credit cards well over 1000.00 limit. I believe they should actually be brought up on attemted robbery charges. I just feel bad for all of the naive people who may go through a similar experience.

Stafton of Conyers, GA November 9, 2008

Stafton of Conyers GA (11/09/08)
the credit card came and I thought that it would have a 300 dollar limit but once I used it, there were 170 dollars in others automatically charged to the card not of my doing. After the first year I was going to cancel the card but I had about 30 days they said to pay the balance off in fully so I opted to not close and then 75 dollars were charged and annual feel.

William of Halifax, NC October 19, 2008

William of Halifax NC (10/19/08)
I recieved an application for a credit card from First Premiere Bank to help repair my credit score.Upon receiving this card, There was a limit of 300. I was also charged a total of 179 for setup fees and ohter expenses that the company said was required for me to get the card. These cgarges were hidden fees and were not stated by the person that i talked to. The company misrepresented themselves and in returv , I got burnt in the Deal. They contiued to add charges after I cancelled my card. This is in violation of consumer rights.
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Now the account has been forwarded to a collection agency that harrasses me on a daily basis. Is there anyone that help represent me in filing a civil suit against First Premiere Bank and First Revenue Assurance Collection Agency? The economic impact is a decrease of my credit score and refussal of any more credit cards. The emotional impact is constant harrassment by FirstRevenue Assurance collection Agency.

Jonathan of Great Neck, NY October 6, 2008

Jonathan of Great Neck NY (10/06/08)
I had received a phone call in regards to my account being past due. I had asked if i can make a minimum payment and I was told NO Clearly twice. I was told that i had to pay off the full balance and she offered me a 30 credit if i made the payment. I made it clear that I lost my full time job and am now a full time college student and am not making enough a week to clear that payment. Still I was told i have to pay in full. I agreed believing the representative's statement and setup the payment.

The day of, had the money in my account and something else hit leaving me with in sufficient funds twice. I found the statement which is due the 10th showing my minimum payment due is 71.69. I called and spoke with Candice but everytime I asked about this, she kept repeating myself telling my i shouldn't have agreed to it. I responded by informing her that their staff shouldn't give me false information and pressure me to make a payment.

I don't like to complain about anyone but these 2 representatives I spoke with made my life really difficult and don't feel that is right what they did. 3 - 34.00 dollar charges to my checking account regarding non-sufficient funds. Would have paid the minimum and avoided all this mess if made aware by rep who contacted me.

Suzanne of Littleton, CO September 27, 2008

Suzanne of Littleton CO (09/27/08)
I was approved for a credit limit of 300 dollars and there were 179 dollars worth of start up fees. That leaves me 121 dollars worth of credit available. There are also charges that continue after the first bill for set up and an additional charge for online billing. I called and cancelled the card without having to pay them any balance.

I think they should be reviewed because they are purposely targeting folks with poor credit. People that might not have the ability to just tear this card up. It seems like an unfair business practice, consumers be warned.

Nora of Rochester, NY September 25, 2008

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