Customers reviews and complaints
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First Premier Bank / Premier Bankcard Reviews & Complaints
2 months ago I had my account paid down to half of my credit limit. Then the due date was changed and a 38 dollar fee was added plus 44 dollar “over limit fee”. I called and was told this would be taken care of. They have continued to move my due date, making each monthly payment late and continuing to add 38 late fees. They have now run my account back up to just 2 dollars below the limit. Next month they now are threatening to add another 48 dollar fee for being over the limit. There is no sense to this. They put me on hold and then never return to the call, or transfer me to another office and I am cut off. How do they get away with this and not government agency is looking into it.
First Premier Bank / Premier Bankcard Reviews & Complaints
2 months ago I had my account paid down to half of my credit limit. Then the due date was changed and a 38 dollar fee was added plus 44 dollar “over limit fee”. I called and was told this would be taken care of. They have continued to move my due date, making each monthly payment late and continuing to add 38 late fees. They have now run my account back up to just 2 dollars below the limit. Next month they now are threatening to add another 48 dollar fee for being over the limit. There is no sense to this. They put me on hold and then never return to the call, or transfer me to another office and I am cut off. How do they get away with this and not government agency is looking into it.
First Premier Bank / Premier Bankcard Reviews & Complaints
A family member who is now deceased got a card in my name, when I found out she was ill and dying. I called the company and talked to a representative and told them what had happened and about all these fees that she had been assessed with because I was trying to pay them because it was hurting my credit.I finally stopped paying because the different fees kept the balance increasing.When it ended up on my credit file I talked to a representative and agreed to pay 85.00 because according to my calculation that was all owed and they agreed to take it off my credit and they did not. This company is a rip off. I asked them to remove it from my credit because I am thinking about trying to get in senior citizen housing again. I realized that I could never pay them off because there is always some fee or charge. I had already had this same kind of encounter with first progress with a prepaid card and did not need to negatives on my account. All I want is to remove this from my credit,
First Premier Bank / Premier Bankcard Reviews & Complaints
A family member who is now deceased got a card in my name, when I found out she was ill and dying. I called the company and talked to a representative and told them what had happened and about all these fees that she had been assessed with because I was trying to pay them because it was hurting my credit.I finally stopped paying because the different fees kept the balance increasing.When it ended up on my credit file I talked to a representative and agreed to pay 85.00 because according to my calculation that was all owed and they agreed to take it off my credit and they did not. This company is a rip off. I asked them to remove it from my credit because I am thinking about trying to get in senior citizen housing again. I realized that I could never pay them off because there is always some fee or charge. I had already had this same kind of encounter with first progress with a prepaid card and did not need to negatives on my account. All I want is to remove this from my credit,
First Premier Bank / Premier Bankcard Reviews & Complaints
After paying minimum payment due $36.00 a first premier bank employee calls me stating they have not recieved my payment-that late charges-bank fees-card fees are added and demand payment. The payment was within there system, and there custody this was verified by the banks automated phone system [protected] . The bank recied my payment the very day of the demand for payment call by banks acting agent. There was no justification calling me in the first place, lying stating my payment is not there, demanding payment and other charges be paid. My account was set up for payment after the 1st a custom and practice by over 3yrs of evidence within their records on file and my payment history . I was told 3 yrs prior by a bank phone employee in card services there is a 5 day grace before adverse banking action . The 1st of October to the date of call the 6th the grace time had not expierd my payment was in their custody by the 6th, and their collections call was on the 6th. Ive closed my account having been lied to by bank staff, there actions violating breach of verbal contract making false statements, adverse credit reporting based on false none payment charges, and reporting on to my credit history.
First Premier Bank / Premier Bankcard Reviews & Complaints
After paying minimum payment due $36.00 a first premier bank employee calls me stating they have not recieved my payment-that late charges-bank fees-card fees are added and demand payment. The payment was within there system, and there custody this was verified by the banks automated phone system [protected] . The bank recied my payment the very day of the demand for payment call by banks acting agent. There was no justification calling me in the first place, lying stating my payment is not there, demanding payment and other charges be paid. My account was set up for payment after the 1st a custom and practice by over 3yrs of evidence within their records on file and my payment history . I was told 3 yrs prior by a bank phone employee in card services there is a 5 day grace before adverse banking action . The 1st of October to the date of call the 6th the grace time had not expierd my payment was in their custody by the 6th, and their collections call was on the 6th. Ive closed my account having been lied to by bank staff, there actions violating breach of verbal contract making false statements, adverse credit reporting based on false none payment charges, and reporting on to my credit history.
First Premier Bank / Premier Bankcard Reviews & Complaints
Direct TV tried to use our credit card to pay off $33.16 that we owed them. We had already paid them so we called First Premier Bank to close that account but the said we were such good customers let them cancel the old card and issue a new one and we said ok. On 11/05/2010 they let Direct TV bill us for $79.42 on our new card which Direct Tv did not have.When we called First Premier Bank the said we needed to fill out a form to get our money back, and since we did not give Direct Tv our card #… First Premier Bank did… after telling us they would not we feel they should have to try to get there money back…not us…we canceled our cards and are going to pay the one they charged down to $79.42 and let them try to get there money back from Direct TV.
First Premier Bank / Premier Bankcard Reviews & Complaints
Direct TV tried to use our credit card to pay off $33.16 that we owed them. We had already paid them so we called First Premier Bank to close that account but the said we were such good customers let them cancel the old card and issue a new one and we said ok. On 11/05/2010 they let Direct TV bill us for $79.42 on our new card which Direct Tv did not have.When we called First Premier Bank the said we needed to fill out a form to get our money back, and since we did not give Direct Tv our card #… First Premier Bank did… after telling us they would not we feel they should have to try to get there money back…not us…we canceled our cards and are going to pay the one they charged down to $79.42 and let them try to get there money back from Direct TV.
First Premier Bank / Premier Bankcard Reviews & Complaints
Do not get a Premier bank Credit Card. They started my credit limit at 350.00, but the want 175.00 1st year enrollment fee and activation fee. If that were not enough, they want to charge me 7.00 a month for the credit card. They are insane and I am insane for getting the card. They will not issue a credit for the amount of money they charged for the 2 months that I had this card in my wallet. I called them to cancel my card and prorated the 2 months that I had the card and they said that they can not do that and that I have to pay for the card anyway Do not get this card!!!
First Premier Bank / Premier Bankcard Reviews & Complaints
Do not get a Premier bank Credit Card. They started my credit limit at 350.00, but the want 175.00 1st year enrollment fee and activation fee. If that were not enough, they want to charge me 7.00 a month for the credit card. They are insane and I am insane for getting the card. They will not issue a credit for the amount of money they charged for the 2 months that I had this card in my wallet. I called them to cancel my card and prorated the 2 months that I had the card and they said that they can not do that and that I have to pay for the card anyway Do not get this card!!!
First Premier Bank / Premier Bankcard Reviews & Complaints
Due to their interest hikes and fees I was forced to file bankruptcy in 2005. I am now being told that they filed a civil case against me (it’s been 5 years) for not paying the bill. Even though they were properly notified they have refused to discharge this debt. After the bankruptcy they were calling me multiple times a day and sending me threatening letters. I told them, via certified mail and every contact to take me to court..they ignored it. Despite the fact that I told them every time I had filed bankruptcy with them they continued to harass me. Now that I am trying to buy a house this bill is preventing me from doing that.. I was not sued nor taken to court like I told them to do but now they refuse to accept my bankruptcy. This is illegal also. why file bankruptcy if the companies can continue to demand money from you. When I was paying them I always paid on time. Yet they would not post it until AFTER the due date and then charge me a late fee. I was always told that I didn’t mail it 10 days ahead of time. I only got the bill 6-7 days before it was due..how could I pay it 10 days ahead of time. By the time you take the holidays and weekends off that left no time at all for paying.
First Premier Bank / Premier Bankcard Reviews & Complaints
Due to their interest hikes and fees I was forced to file bankruptcy in 2005. I am now being told that they filed a civil case against me (it’s been 5 years) for not paying the bill. Even though they were properly notified they have refused to discharge this debt. After the bankruptcy they were calling me multiple times a day and sending me threatening letters. I told them, via certified mail and every contact to take me to court..they ignored it. Despite the fact that I told them every time I had filed bankruptcy with them they continued to harass me. Now that I am trying to buy a house this bill is preventing me from doing that.. I was not sued nor taken to court like I told them to do but now they refuse to accept my bankruptcy. This is illegal also. why file bankruptcy if the companies can continue to demand money from you. When I was paying them I always paid on time. Yet they would not post it until AFTER the due date and then charge me a late fee. I was always told that I didn’t mail it 10 days ahead of time. I only got the bill 6-7 days before it was due..how could I pay it 10 days ahead of time. By the time you take the holidays and weekends off that left no time at all for paying.
First Premier Bank / Premier Bankcard Reviews & Complaints
Filed against : First PREMIER Bank Complaint Description: Many web sites are dedicated to this institution providing poor customer service and excessive fines. To validate this all one has to do is google First Premier Bank and visit the sites of individuals providing reviews about service. I have dealt with this company for a month and have suffered rude, short, and painfully ill rapport with customer service from this “bank”. The issue that truly needs to be addressed is the excessive poorly represented fees attached to my account and additionally excessive fees for what would be standard account service. The most ludicrous fees are the program fee, account set up fee, and participation fee. Overall activation of the account was in excess of $170.00 in fees that are not normal credit charges. In short someone sat down and decided to attach as many fees as possible to their clients. The biggest slap in the face is the monthly fee to view your account online. This is just outrageous! I have never had to pay for account access with any bank I have held an account with! It gets worse from there: if you make a payment via telephone you get charged a “convenience fee” in the double digits, and large fee is attached to making a payment online. It is known that banks may charge such fees legally . . . as long as they are competitive within the market. Once these fees are excessive and beyond what the average instition charges within the shared market it does become a dance a bank will do on the line of enforcable law. I believe First Premier Bank is crossing the legal line and a class action lawsuit may be a viable option. It should also be noted a new consumer law is expected to pass on January 2010 that will go directly at banks that have excessive fees towards their clients like First Premier Bank. At a time of people falling deeper in debt the fees First Premier Bank are almost, if not, criminal. I am a 100% disabled veteran that fought in Iraq, and my credit went from good to bad because of the time it took for the government to process and adjust my income. I have bad credit now and I understand that that creates issues with banks. I also understand when I am getting taken advantage of. I expect the BBB to confront this institution about the business practices it has and to press First Premier Bank into fair competitive services and fees within the industry. It would be best for First Premier Bank to stop the excessive fees before the new laws are passed that protect the consumer in a few months. Your Desired Resolution: A complete review of business practices, dealing specifically with excessive fines and charges that would make the products provided discontinue over-zealous fines and fees for expected practical standard service; (i.e. charges for on-line account management). This case will be reviewed by a complaint specialist at the Better Business Bureau, and then forwarded to the business for their response. It is our policy to allow the business no more than thirty working days to respond to your complaint. Within those thirty days, we will write, fax, email or phone the company in an effort to seek a resolution to your case. You will be notified when the business has responded.
First Premier Bank / Premier Bankcard Reviews & Complaints
Filed against : First PREMIER Bank Complaint Description: Many web sites are dedicated to this institution providing poor customer service and excessive fines. To validate this all one has to do is google First Premier Bank and visit the sites of individuals providing reviews about service. I have dealt with this company for a month and have suffered rude, short, and painfully ill rapport with customer service from this “bank”. The issue that truly needs to be addressed is the excessive poorly represented fees attached to my account and additionally excessive fees for what would be standard account service. The most ludicrous fees are the program fee, account set up fee, and participation fee. Overall activation of the account was in excess of $170.00 in fees that are not normal credit charges. In short someone sat down and decided to attach as many fees as possible to their clients. The biggest slap in the face is the monthly fee to view your account online. This is just outrageous! I have never had to pay for account access with any bank I have held an account with! It gets worse from there: if you make a payment via telephone you get charged a “convenience fee” in the double digits, and large fee is attached to making a payment online. It is known that banks may charge such fees legally . . . as long as they are competitive within the market. Once these fees are excessive and beyond what the average instition charges within the shared market it does become a dance a bank will do on the line of enforcable law. I believe First Premier Bank is crossing the legal line and a class action lawsuit may be a viable option. It should also be noted a new consumer law is expected to pass on January 2010 that will go directly at banks that have excessive fees towards their clients like First Premier Bank. At a time of people falling deeper in debt the fees First Premier Bank are almost, if not, criminal. I am a 100% disabled veteran that fought in Iraq, and my credit went from good to bad because of the time it took for the government to process and adjust my income. I have bad credit now and I understand that that creates issues with banks. I also understand when I am getting taken advantage of. I expect the BBB to confront this institution about the business practices it has and to press First Premier Bank into fair competitive services and fees within the industry. It would be best for First Premier Bank to stop the excessive fees before the new laws are passed that protect the consumer in a few months. Your Desired Resolution: A complete review of business practices, dealing specifically with excessive fines and charges that would make the products provided discontinue over-zealous fines and fees for expected practical standard service; (i.e. charges for on-line account management). This case will be reviewed by a complaint specialist at the Better Business Bureau, and then forwarded to the business for their response. It is our policy to allow the business no more than thirty working days to respond to your complaint. Within those thirty days, we will write, fax, email or phone the company in an effort to seek a resolution to your case. You will be notified when the business has responded.
First Premier Bank / Premier Bankcard Reviews & Complaints
first premier bank attn.chargeback department pobox5524 sioux falls sd.[protected] I never fill that card
First Premier Bank / Premier Bankcard Reviews & Complaints
first premier bank attn.chargeback department pobox5524 sioux falls sd.[protected] I never fill that card
First Premier Bank / Premier Bankcard Reviews & Complaints
First Premier Bank claims I owe it close to $400 in membership and assorted fees even though I’d cut up my two First Premier bank credit cards, sent the cut-up cards back to the bank and had already paid off all of my minimum amounts due. First Premier Bank failed to do its market research before sending me a preapproved credit card, and then a second card. If the bank had done its research, it would have discovered that I have had three federal, Chapter 7 bankruptcies (1986, 1996, 2003); that I have a 43-year history of clinically diagnosed manic-depression (bipolar disorder), meaning that I like most bipolar people in their manic phase am insanely reckless and profligate with money; that my only income is a monthly Social Security disability benefit check for $1, 234; that I have had numerous stays in mental hospitals and jails; and that additional evidence totally disqualified me from the use of any credit card from any lender–except for bottom-feeder predators like Frist Premier Bank. First Premier Bank’s collection unit, for more months than I can count, has dogged me for repayment by mail and phone calls. I once threatened one of their collectors, saying I knew where she worked and I had an M-16 (our Army’s assault rifle) and if First Premier didn’t stop trying to collect from me money I didn’t owe them, I was going to kill everyone in her office. My threat failed; First Premier to this day still phones me daily–and constantly through the U.S. mail offers me deals by which I need only to pay it 60% of my alleged debt to them. First Premier Bank isn’t very bright. It has, quite arguably, by now spent more money on colledtion expenses re: me than I allegedly owe it.
First Premier Bank / Premier Bankcard Reviews & Complaints
First Premier Bank claims I owe it close to $400 in membership and assorted fees even though I’d cut up my two First Premier bank credit cards, sent the cut-up cards back to the bank and had already paid off all of my minimum amounts due. First Premier Bank failed to do its market research before sending me a preapproved credit card, and then a second card. If the bank had done its research, it would have discovered that I have had three federal, Chapter 7 bankruptcies (1986, 1996, 2003); that I have a 43-year history of clinically diagnosed manic-depression (bipolar disorder), meaning that I like most bipolar people in their manic phase am insanely reckless and profligate with money; that my only income is a monthly Social Security disability benefit check for $1, 234; that I have had numerous stays in mental hospitals and jails; and that additional evidence totally disqualified me from the use of any credit card from any lender–except for bottom-feeder predators like Frist Premier Bank. First Premier Bank’s collection unit, for more months than I can count, has dogged me for repayment by mail and phone calls. I once threatened one of their collectors, saying I knew where she worked and I had an M-16 (our Army’s assault rifle) and if First Premier didn’t stop trying to collect from me money I didn’t owe them, I was going to kill everyone in her office. My threat failed; First Premier to this day still phones me daily–and constantly through the U.S. mail offers me deals by which I need only to pay it 60% of my alleged debt to them. First Premier Bank isn’t very bright. It has, quite arguably, by now spent more money on collection expenses re: me than I allegedly owe it.
First Premier Bank / Premier Bankcard Reviews & Complaints
First Premier Bank claims I owe it close to $400 in membership and assorted fees even though I’d cut up my two First Premier bank credit cards, sent the cut-up cards back to the bank and had already paid off all of my minimum amounts due. First Premier Bank failed to do its market research before sending me a preapproved credit card, and then a second card. If the bank had done its research, it would have discovered that I have had three federal, Chapter 7 bankruptcies (1986, 1996, 2003); that I have a 43-year history of clinically diagnosed manic-depression (bipolar disorder), meaning that I like most bipolar people in their manic phase am insanely reckless and profligate with money; that my only income is a monthly Social Security disability benefit check for $1, 234; that I have had numerous stays in mental hospitals and jails; and that additional evidence totally disqualified me from the use of any credit card from any lender–except for bottom-feeder predators like Frist Premier Bank. First Premier Bank’s collection unit, for more months than I can count, has dogged me for repayment by mail and phone calls. I once threatened one of their collectors, saying I knew where she worked and I had an M-16 (our Army’s assault rifle) and if First Premier didn’t stop trying to collect from me money I didn’t owe them, I was going to kill everyone in her office. My threat failed; First Premier to this day still phones me daily–and constantly through the U.S. mail offers me deals by which I need only to pay it 60% of my alleged debt to them. First Premier Bank isn’t very bright. It has, quite arguably, by now spent more money on colledtion expenses re: me than I allegedly owe it.
First Premier Bank / Premier Bankcard Reviews & Complaints
First Premier Bank claims I owe it close to $400 in membership and assorted fees even though I’d cut up my two First Premier bank credit cards, sent the cut-up cards back to the bank and had already paid off all of my minimum amounts due. First Premier Bank failed to do its market research before sending me a preapproved credit card, and then a second card. If the bank had done its research, it would have discovered that I have had three federal, Chapter 7 bankruptcies (1986, 1996, 2003); that I have a 43-year history of clinically diagnosed manic-depression (bipolar disorder), meaning that I like most bipolar people in their manic phase am insanely reckless and profligate with money; that my only income is a monthly Social Security disability benefit check for $1, 234; that I have had numerous stays in mental hospitals and jails; and that additional evidence totally disqualified me from the use of any credit card from any lender–except for bottom-feeder predators like Frist Premier Bank. First Premier Bank’s collection unit, for more months than I can count, has dogged me for repayment by mail and phone calls. I once threatened one of their collectors, saying I knew where she worked and I had an M-16 (our Army’s assault rifle) and if First Premier didn’t stop trying to collect from me money I didn’t owe them, I was going to kill everyone in her office. My threat failed; First Premier to this day still phones me daily–and constantly through the U.S. mail offers me deals by which I need only to pay it 60% of my alleged debt to them. First Premier Bank isn’t very bright. It has, quite arguably, by now spent more money on collection expenses re: me than I allegedly owe it.
First Premier Bank / Premier Bankcard Reviews & Complaints
First Premier Bank withdrew money from my account with authorization and did not post it to my account. It has been 8 days now and counting. First they told me it was some sort of security hold, I asked to speak to the security people and was told. “they don”t have a phone in security”, Then I was told by another person that they have the right to withdraw funds my checking account and hold them for up to 20 days. My attorney see”s things a bit different. We believe that First Premier holds funds in order to 1, collect interest past the grace period, 2, may not have the capability to process more than one payment per month. In either case it is wrong. We are seeking others who have had similar experiences to join me in a class action lawsuit against First Premier Bank. Contact me at email if you have had similar experiences with these guys. Thank you, Richard.
First Premier Bank / Premier Bankcard Reviews & Complaints
First Premier Bank withdrew money from my account with authorization and did not post it to my account. It has been 8 days now and counting. First they told me it was some sort of security hold, I asked to speak to the security people and was told. “they don”t have a phone in security”, Then I was told by another person that they have the right to withdraw funds my checking account and hold them for up to 20 days. My attorney see”s things a bit different. We believe that First Premier holds funds in order to 1, collect interest past the grace period, 2, may not have the capability to process more than one payment per month. In either case it is wrong. We are seeking others who have had similar experiences to join me in a class action lawsuit against First Premier Bank. Contact me at email if you have had similar experiences with these guys. Thank you, Richard.
First Premier Bank / Premier Bankcard Reviews & Complaints
For many months, I have used my business checking account to pay the Credit Card online and it was accepted. Was informed that since the credit card is a personal card, I must delete the business checking account and issue a personal checking account to pay the bill. I went through the process and finally told that I need a letter from my bank telling First Premier that it is a personal account. What were they thinking I would do, put in another business checking account? So, bottom line after asking for a “higher-up” and denied, had them cancel the credit card that was a measly $300.00 maximum and I was told that this could possibly ruin my credit standing with the Bureaus. They offered $30 if I would stay on with them, but still needed to get letter from my bank that the account I was going to enroll was a personal account. CANCEL!!!
First Premier Bank / Premier Bankcard Reviews & Complaints
For many months, I have used my business checking account to pay the Credit Card online and it was accepted. Was informed that since the credit card is a personal card, I must delete the business checking account and issue a personal checking account to pay the bill. I went through the process and finally told that I need a letter from my bank telling First Premier that it is a personal account. What were they thinking I would do, put in another business checking account? So, bottom line after asking for a “higher-up” and denied, had them cancel the credit card that was a measly $300.00 maximum and I was told that this could possibly ruin my credit standing with the Bureaus. They offered $30 if I would stay on with them, but still needed to get letter from my bank that the account I was going to enroll was a personal account. CANCEL!!!
First Premier Bank / Premier Bankcard Reviews & Complaints
Good day I did an application in South Africa for an account. The agent here Bryan said that it is approved for R550 000 But they want R1500 I have paid that and then they wanted R3000 I have paid that aswell now they want R5230 more Now I am warried. Is all of this legid? Please contact me [protected] I have 6 other customers that also want a loan but we are all sceptic now
First Premier Bank / Premier Bankcard Reviews & Complaints
Good day I did an application in South Africa for an account. The agent here Bryan said that it is approved for R550 000 But they want R1500 I have paid that and then they wanted R3000 I have paid that aswell now they want R5230 more Now I am warried. Is all of this legid? Please contact me [protected] I have 6 other customers that also want a loan but we are all sceptic now
First Premier Bank / Premier Bankcard Reviews & Complaints
Got this High Fee Card to help build Credit. Fraud charges appeard on Card in Feb 2010. The account is paid in full automatically from our bank account. We filed a Dispute with no resolve from Premier The Only thing First Premier did was to close the account and reopen and new account and transfering the balance over. First Premier adviced us that since the card was paid in full we would investigate and get back with you. March 2010 First Premier sent a new card with a new account number. First Premier reported the card late 30 days to the credit reporting agencys with a zero balance and nothing owed – They returned the late fee with an appoligy but did not remove the negative reporting to the credit agency. This caused my score that I was doing my best to increase go down. Being ripped off for over $400 now for those out rageous fees and paying for fraud charges This account was closed – Over paid a total of $146.00 for the fraud charges that I have been waiting for a resolutions or refund for those fraudulant charges for over a month now. April 2010 First Premeir reopened the card without my authorization and instead of refunding the $146 we over paid for the fraudulant charges First Premier added those charges back to our account and deducted another $146 from our bank account. Thus we paid twice now for the same fraudulant charges to the account. May 2010 we get a statement that our account is paid in full and we only owe $7.00 for the monthy fees. I called and let them know that we closed the account and paid it full back in March of 2010 and was waiting for refund of the additional payment that was taken by First Premier. June statement comes with a Zero Balance and new charges of – Yes you quessed it “The $146 for those fraud charges are back on the statement for the 3rd time”. July 2010 First Premeir reports to the credit agency a 30 day late with a total amount due of $198.86 we called first premier to explain that the card had been closed and why did they place fraudulant charges back on the account again with different reference number. I was waiting for a refund! The First Premier Rep Personally told me “HE WOULD PERSONALLY SEE TO IT THAT MY CREDIT WOULD BE DESTROYED when they keep reporting it and then finally Charge it off as a bad debit August 2010 First Premeir reports to the credit agency a 60 day late with a total amount due of $229.50 I called first premier to explain that the card had been closed an we was waiting for a refund! Same story different Rep told me THAT HE WOULD PERSONALLY SEE TO IT THAT MY CREDIT WOULD BE DESTROYED because we will keep reporting it for years and then finally Charge it off as a bad debit September 2010 First Premeir reports to the credit agency a 90 day late with a total amount due of $233.29 I called first premier to explain that the card had been closed an we was waiting for a refund! The First Premier Rep Personally told me THAT THE ACCOUNT IS NOW CLOSED AND TURNED OVER TO COLLECTIONS. Oct 2010 First Premeir reports to the credit agency Charge Off. I despute the charges with all 3 reporting agency with no luck! First Premier says that I am repsonsible for the charges PLEASE SOMEONE HELP ME.. With First Premier Charging this Off as a bad debit instead of building my credit its being reduced and now I am being denied jobs offers and other credit opportunities.
First Premier Bank / Premier Bankcard Reviews & Complaints
Got this High Fee Card to help build Credit. Fraud charges appeard on Card in Feb 2010. The account is paid in full automatically from our bank account. We filed a Dispute with no resolve from Premier The Only thing First Premier did was to close the account and reopen and new account and transfering the balance over. First Premier adviced us that since the card was paid in full we would investigate and get back with you. March 2010 First Premier sent a new card with a new account number. First Premier reported the card late 30 days to the credit reporting agencys with a zero balance and nothing owed – They returned the late fee with an appoligy but did not remove the negative reporting to the credit agency. This caused my score that I was doing my best to increase go down. Being ripped off for over $400 now for those out rageous fees and paying for fraud charges This account was closed – Over paid a total of $146.00 for the fraud charges that I have been waiting for a resolutions or refund for those fraudulant charges for over a month now. April 2010 First Premeir reopened the card without my authorization and instead of refunding the $146 we over paid for the fraudulant charges First Premier added those charges back to our account and deducted another $146 from our bank account. Thus we paid twice now for the same fraudulant charges to the account. May 2010 we get a statement that our account is paid in full and we only owe $7.00 for the monthy fees. I called and let them know that we closed the account and paid it full back in March of 2010 and was waiting for refund of the additional payment that was taken by First Premier. June statement comes with a Zero Balance and new charges of – Yes you quessed it “The $146 for those fraud charges are back on the statement for the 3rd time”. July 2010 First Premeir reports to the credit agency a 30 day late with a total amount due of $198.86 we called first premier to explain that the card had been closed and why did they place fraudulant charges back on the account again with different reference number. I was waiting for a refund! The First Premier Rep Personally told me “HE WOULD PERSONALLY SEE TO IT THAT MY CREDIT WOULD BE DESTROYED when they keep reporting it and then finally Charge it off as a bad debit August 2010 First Premeir reports to the credit agency a 60 day late with a total amount due of $229.50 I called first premier to explain that the card had been closed an we was waiting for a refund! Same story different Rep told me THAT HE WOULD PERSONALLY SEE TO IT THAT MY CREDIT WOULD BE DESTROYED because we will keep reporting it for years and then finally Charge it off as a bad debit September 2010 First Premeir reports to the credit agency a 90 day late with a total amount due of $233.29 I called first premier to explain that the card had been closed an we was waiting for a refund! The First Premier Rep Personally told me THAT THE ACCOUNT IS NOW CLOSED AND TURNED OVER TO COLLECTIONS. Oct 2010 First Premeir reports to the credit agency Charge Off. I despute the charges with all 3 reporting agency with no luck! First Premier says that I am repsonsible for the charges PLEASE SOMEONE HELP ME.. With First Premier Charging this Off as a bad debit instead of building my credit its being reduced and now I am being denied jobs offers and other credit opportunities.
First Premier Bank / Premier Bankcard Reviews & Complaints
Here is my story.I”ve been with First Premier for 4 years. My account has gone negative 4 times in 4 years. 2 were transactions that they paid (and charged me hefty fees for, but they paid the merchant so I willingly paid the fees) The other 2 times, the account had a small positive balance, a check for less than $20 both times, was presented for payment. They declined but still charged me $35 OD fee plus $5/day for each day in the negative. Then merchant submits the check a 2nd time to bank for payment and I”m charged another $35 OD fee and still $5/day PLUS merchant will charge a fee plus the cost of the check. Sitting at a total of $164 for $19.26 check. I had $1.09 in checking account. A check written by me to a retail grocery store. The check was written for $19.26. When the check reached the bank, the bank DECLINED TO PAY and sent it back, but still charged me an Overdraft fee of $35 PLUS $5/DAY which PUT the account into the negative. The bank sent the check back to retailer. The retailer then presented the check a 2nd time, requesting payment, and again, the bank DECLINED to pay and charged me a 2nd $35 fee. So now, I”ve been charged (2) $35 fees, $5/day and the original retailer is charging me the cost of original check, plus their own fee of $40 (understandably so). But can the bank soak me like that on a check they didn”t pay, TWICE? Is this even legal since they declined to pay to begin with? And they refuse to shut down my account so that I can at least get caught up and not continue to rack up $5 daily fee. THEY ARE LITTERALLY KILLING ME with fees. I feel like I”m standing in front of a firing squad and there is nothing I can do.
First Premier Bank / Premier Bankcard Reviews & Complaints
Here is my story.I”ve been with First Premier for 4 years. My account has gone negative 4 times in 4 years. 2 were transactions that they paid (and charged me hefty fees for, but they paid the merchant so I willingly paid the fees) The other 2 times, the account had a small positive balance, a check for less than $20 both times, was presented for payment. They declined but still charged me $35 OD fee plus $5/day for each day in the negative. Then merchant submits the check a 2nd time to bank for payment and I”m charged another $35 OD fee and still $5/day PLUS merchant will charge a fee plus the cost of the check. Sitting at a total of $164 for $19.26 check. I had $1.09 in checking account. A check written by me to a retail grocery store. The check was written for $19.26. When the check reached the bank, the bank DECLINED TO PAY and sent it back, but still charged me an Overdraft fee of $35 PLUS $5/DAY which PUT the account into the negative. The bank sent the check back to retailer. The retailer then presented the check a 2nd time, requesting payment, and again, the bank DECLINED to pay and charged me a 2nd $35 fee. So now, I”ve been charged (2) $35 fees, $5/day and the original retailer is charging me the cost of original check, plus their own fee of $40 (understandably so). But can the bank soak me like that on a check they didn”t pay, TWICE? Is this even legal since they declined to pay to begin with? And they refuse to shut down my account so that I can at least get caught up and not continue to rack up $5 daily fee. THEY ARE LITTERALLY KILLING ME with fees. I feel like I”m standing in front of a firing squad and there is nothing I can do.
First Premier Bank / Premier Bankcard Reviews & Complaints
I accepted the terms for the credit card from Premier Bank Card because I wanted to help build some credit. This was a HUGE mistake! Not only do they charge you to have online access, but they also charge you a minimum of $7 just to make a payment online. This is just the beginning… Then, when the time came for me to get rid of these cards because the expense wasn”t worth the credit, it became a hassle just to get them to close my account. They changed my auto draft info without my permission and caused me to have “late” payments because THEY messed up my bank acct info! Finally! I think they closed my first card because when I log on to the site, I see there is a $0 balance. BUT! On my other card, there is an outstanding charge for $58, and I have a minimum payment of $75!!! WT[censored] These people are not here to help, they will only damage your credit like they have been doing to me for the past few months. DO NOT EVER, EVER, EVER GET ANYTHING FROM THIS COMPANY!!! RUN FROM THEM AS FAST AS YOU CAN!!!
First Premier Bank / Premier Bankcard Reviews & Complaints
I accepted the terms for the credit card from Premier Bank Card because I wanted to help build some credit. This was a HUGE mistake! Not only do they charge you to have online access, but they also charge you a minimum of $7 just to make a payment online. This is just the beginning… Then, when the time came for me to get rid of these cards because the expense wasn”t worth the credit, it became a hassle just to get them to close my account. They changed my auto draft info without my permission and caused me to have “late” payments because THEY messed up my bank acct info! Finally! I think they closed my first card because when I log on to the site, I see there is a $0 balance. BUT! On my other card, there is an outstanding charge for $58, and I have a minimum payment of $75!!! WT[censored] These people are not here to help, they will only damage your credit like they have been doing to me for the past few months. DO NOT EVER, EVER, EVER GET ANYTHING FROM THIS COMPANY!!! RUN FROM THEM AS FAST AS YOU CAN!!!
First Premier Bank / Premier Bankcard Reviews & Complaints
I am a recipient of a First Premier Bank Card. I once had poor credit due to medical bills, and when I became a parent and went back to school, I knew I needed to get my credit back on track. I paid off all my debt, but my credit score wasn’t moving up. So, like most in my position, I chose to go with a subprime credit company – First Premier Bank. When I signed up, I thought the only charge I would see was the $29.00 set-up fee, however, even though I was given a $250 limit, I was only able to use $90.00 because there were all types of other fees, including an annual fee of $48.00, as well as a $79.00 fee for a “program fee.” I made only a purchase of gas the first month, and have only made three other purchases in a year – all less than $20 because I basically had no credit with which to buy things. When I started to pay my balance, I felt like I wasn’t making a dent. Each month I paid on time, over the amount. There were three times I paid on the due date, and I was charged an extra $11to have it processed that day. I never knew they had a web site to make payments until a rep “slipped” and told me I wouldn’t have to pay the $11 fee if I paid online – so, I was about to hang up and pay online when she told me their “system was down.” Looking back, I was being lied to so they could collect this outrageous fee from me for paying ON TIME! My limit went “over” ONLY because of their fees! I have not made a purchase in 6 months. I thought I was doing a good job of paying down, then received the annual fee and went over my limit! How is this? They charge me $17/month for NOT making purchases, even though I can’t because I have no credit b/c of their fees!! Each month I was being charged an extra $25 for the “over the limit fee.” Even though it is not anything I actually bought, it’s their fees that put me over the limit! I called to cancel my card. I was told if I cancelled with over a $20 balance, I would still be charged $17/month for the “no purchase made fee.” I said, “I’m going to be charged 17 bucks a month even though I can’t technically USE the card?!” The rep said, “YES!” This can’t be legal!! This company preys on people with poor credit because they know they will be able to make money off unethical, ridiculous fees. This is unethical, immoral and should be illegal! I want to make a class action lawsuit. I have read many complaints. TOday is 12/11/2010. Let’s do this together! I need a lawyer to help me with this. To any lawyer interested: I don’t want any money from this. You can keep it all if we get a settlement! I just want to be able to close my account w/o a balance. PLEASE JOIN ME AND HELP! (After a year of having my card, I did get offers from other companies, like Orchard Bank and Capital One – which are much better options.)
First Premier Bank / Premier Bankcard Reviews & Complaints
I am a recipient of a First Premier Bank Card. I once had poor credit due to medical bills, and when I became a parent and went back to school, I knew I needed to get my credit back on track. I paid off all my debt, but my credit score wasn’t moving up. So, like most in my position, I chose to go with a subprime credit company – First Premier Bank. When I signed up, I thought the only charge I would see was the $29.00 set-up fee, however, even though I was given a $250 limit, I was only able to use $90.00 because there were all types of other fees, including an annual fee of $48.00, as well as a $79.00 fee for a “program fee.” I made only a purchase of gas the first month, and have only made three other purchases in a year – all less than $20 because I basically had no credit with which to buy things. When I started to pay my balance, I felt like I wasn’t making a dent. Each month I paid on time, over the amount. There were three times I paid on the due date, and I was charged an extra $11to have it processed that day. I never knew they had a web site to make payments until a rep “slipped” and told me I wouldn’t have to pay the $11 fee if I paid online – so, I was about to hang up and pay online when she told me their “system was down.” Looking back, I was being lied to so they could collect this outrageous fee from me for paying ON TIME! My limit went “over” ONLY because of their fees! I have not made a purchase in 6 months. I thought I was doing a good job of paying down, then received the annual fee and went over my limit! How is this? They charge me $17/month for NOT making purchases, even though I can’t because I have no credit b/c of their fees!! Each month I was being charged an extra $25 for the “over the limit fee.” Even though it is not anything I actually bought, it’s their fees that put me over the limit! I called to cancel my card. I was told if I cancelled with over a $20 balance, I would still be charged $17/month for the “no purchase made fee.” I said, “I’m going to be charged 17 bucks a month even though I can’t technically USE the card?!” The rep said, “YES!” This can’t be legal!! This company preys on people with poor credit because they know they will be able to make money off unethical, ridiculous fees. This is unethical, immoral and should be illegal! I want to make a class action lawsuit. I have read many complaints. TOday is 12/11/2010. Let’s do this together! I need a lawyer to help me with this. To any lawyer interested: I don’t want any money from this. You can keep it all if we get a settlement! I just want to be able to close my account w/o a balance. PLEASE JOIN ME AND HELP! (After a year of having my card, I did get offers from other companies, like Orchard Bank and Capital One – which are much better options.)
First Premier Bank / Premier Bankcard Reviews & Complaints
I am complaining against the company for filing my account to the credit reporting agency, and I had missed one payment at the time. The collector for the account called, and I spoke to her and told her that I would not pay for all the fees, that have been attached causing my account to go over the limit. They attached maintenance fees, interest fees, late fees, and yearly fees. They have caused my account to be at this moment as I know of at least $179 over the limit. What’s the point of offering cusomers a credit line, and then take a yearly fee out before receiving the card in the mail?? This company is a scam, they are offering to help rebuild and re-establish credit, but actually they are causing the cosumer to pay more in fees, and then ruining their credit by reporting it to the credit agencies. I spoke to the collector on the 14th of Septemeber of this year, and then found out that she reported to the agency the same day. My minium payment is now over $300 compared to 25-35 dollars in the past. My limit is only $700, what’s the point of paying if they have already turned it over to the credit agencies?? They have caused unnecessary stress in my life, and when they called they called from an unknown number, they were rude when I inquired about why they had not left messages, and why were they calling from an unknown number. Today the rude man called and said that they would continue to report to the agency, and that when I received the card that it has all the fees included in the brochure. Is there anyone I can talk to get this off my report?? They are trying to ruin my credit, it’s ironic how they claim to help rebuild credit, but have hidden fees, and report the same day that you tell them that you will be consilidating the funds to another credit card. What are my rights, and can I have this removed offf from my report??? It causes your score to go down 65 points! It’s rediculous. Please help me find the right resources, to contact if you know of anyone. This rediculous scam has to be put to a stop!!! We must complain and continue to do what ever it takes to get these people to refund our extra fees, and removed the negative reports. I had paid on time for about a year, and missed one payment and was reported immediately! Give me a break.
First Premier Bank / Premier Bankcard Reviews & Complaints
I am complaining against the company for filing my account to the credit reporting agency, and I had missed one payment at the time. The collector for the account called, and I spoke to her and told her that I would not pay for all the fees, that have been attached causing my account to go over the limit. They attached maintenance fees, interest fees, late fees, and yearly fees. They have caused my account to be at this moment as I know of at least $179 over the limit. What’s the point of offering cusomers a credit line, and then take a yearly fee out before receiving the card in the mail?? This company is a scam, they are offering to help rebuild and re-establish credit, but actually they are causing the cosumer to pay more in fees, and then ruining their credit by reporting it to the credit agencies. I spoke to the collector on the 14th of Septemeber of this year, and then found out that she reported to the agency the same day. My minium payment is now over $300 compared to 25-35 dollars in the past. My limit is only $700, what’s the point of paying if they have already turned it over to the credit agencies?? They have caused unnecessary stress in my life, and when they called they called from an unknown number, they were rude when I inquired about why they had not left messages, and why were they calling from an unknown number. Today the rude man called and said that they would continue to report to the agency, and that when I received the card that it has all the fees included in the brochure. Is there anyone I can talk to get this off my report?? They are trying to ruin my credit, it’s ironic how they claim to help rebuild credit, but have hidden fees, and report the same day that you tell them that you will be consilidating the funds to another credit card. What are my rights, and can I have this removed offf from my report??? It causes your score to go down 65 points! It’s rediculous. Please help me find the right resources, to contact if you know of anyone. This rediculous scam has to be put to a stop!!! We must complain and continue to do what ever it takes to get these people to refund our extra fees, and removed the negative reports. I had paid on time for about a year, and missed one payment and was reported immediately! Give me a break.
First Premier Bank / Premier Bankcard Reviews & Complaints
I applied for a card a few weeks back they said nothing about taking any money off my line of $500 credit line. I get my card with a $375.00 credit limit do to a $30.00 payment being taken off and $125.00 annual fees. They even stated in the letter they sent with card that they didn”t revile any of theses fee. That”s fraud and even the attorneyi spoke with said it is. That all withdrawal from card has to be verified during application process. So I want the money put back on my credit line or i”m turning you into the fraud department with customer fraud. Cause if i”d known all this bs i”d never got your card
First Premier Bank / Premier Bankcard Reviews & Complaints
I applied for a card a few weeks back they said nothing about taking any money off my line of $500 credit line. I get my card with a $375.00 credit limit do to a $30.00 payment being taken off and $125.00 annual fees. They even stated in the letter they sent with card that they didn”t revile any of theses fee. That”s fraud and even the attorneyi spoke with said it is. That all withdrawal from card has to be verified during application process. So I want the money put back on my credit line or i”m turning you into the fraud department with customer fraud. Cause if i”d known all this bs i”d never got your card
First Premier Bank / Premier Bankcard Reviews & Complaints
I applied for a credit card from First Premier Bank on April 7, 2011. I changed my mind and called them April 8, 2011 to cancel the application and to stop the deposit withdrawal from my bank account. The representative on the phone told me the deposit was canceled and that I could call the following week if I wanted to apply a $25 deposit to keep the application open. I declined and then on April 14, 2011 my bank statement showed me a $500 withdrawal of a check to First Premier Bank dated April 11, 2011 and processed April 13, 2011. I called First Premier Bank bank April 14, 2011 to complain about withdrawing the funds without approval and with application canceled prior to their attempt, the representative then said it went out that day even tho I had proof it did not and that I already canceled the application as well. I then asked to speak with a supervisor and the representative then said that she was the supervisor and refused to let me speak with any other person. I feel I’ve been ripped off from First Premier Bank and charged money and received overdraft fees when I shouldn’t of. I feel that First Premier Bank is a ripoff agency and scam people, and therefor far from reputable and should have a class act suit brought against them for scamming so many people across the country according to online research on First Premier Bank Complaints. Word of Advice, save yourself some money and headaches and don’t chance anything with any business attempts with First Premier Bank.
First Premier Bank / Premier Bankcard Reviews & Complaints
I applied for a credit card from First Premier Bank on April 7, 2011. I changed my mind and called them April 8, 2011 to cancel the application and to stop the deposit withdrawal from my bank account. The representative on the phone told me the deposit was canceled and that I could call the following week if I wanted to apply a $25 deposit to keep the application open. I declined and then on April 14, 2011 my bank statement showed me a $500 withdrawal of a check to First Premier Bank dated April 11, 2011 and processed April 13, 2011. I called First Premier Bank bank April 14, 2011 to complain about withdrawing the funds without approval and with application canceled prior to their attempt, the representative then said it went out that day even tho I had proof it did not and that I already canceled the application as well. I then asked to speak with a supervisor and the representative then said that she was the supervisor and refused to let me speak with any other person. I feel I’ve been ripped off from First Premier Bank and charged money and received overdraft fees when I shouldn’t of. I feel that First Premier Bank is a ripoff agency and scam people, and therefor far from reputable and should have a class act suit brought against them for scamming so many people across the country according to online research on First Premier Bank Complaints. Word of Advice, save yourself some money and headaches and don’t chance anything with any business attempts with First Premier Bank.
First Premier Bank / Premier Bankcard Reviews & Complaints
I applied for a credit card which I subsequently received. I never activated the card and the company keeps on sending monthly bills to me. I tried have been trying to get the bank’s email address to get the credit card cancelled but without luck. Please direct all communications to my email address: [protected]@netzero.net
First Premier Bank / Premier Bankcard Reviews & Complaints
I applied for a credit card which I subsequently received. I never activated the card and the company keeps on sending monthly bills to me. I tried have been trying to get the bank’s email address to get the credit card cancelled but without luck. Please direct all communications to my email address: [protected]@netzero.net
First Premier Bank / Premier Bankcard Reviews & Complaints
I called Customer Service to close my account (I had just under 100 dollars balance) but they refused to give me back the 48 dollars they charged me in advance for annual fee covering the period April 2009 till March 2010. I did not charge any purchase to this card for more than 3 months. How is this possible when I clearly indicated to them that I no longer want to have this credit card? This is clearly a ripoff because the contract agreement does not say that they can just charge me for renewal even though I informed them about a month in advance that I no longer want to continue with their services.
First Premier Bank / Premier Bankcard Reviews & Complaints
I called Customer Service to close my account (I had just under 100 dollars balance) but they refused to give me back the 48 dollars they charged me in advance for annual fee covering the period April 2009 till March 2010. I did not charge any purchase to this card for more than 3 months. How is this possible when I clearly indicated to them that I no longer want to have this credit card? This is clearly a ripoff because the contract agreement does not say that they can just charge me for renewal even though I informed them about a month in advance that I no longer want to continue with their services.
First Premier Bank / Premier Bankcard Reviews & Complaints
I called the customer service for first premier bank and told them that I was need statements for tax purposes, and they stated that it was 3.00 per page which I feel there taking customers money even when the customers don’t get the statement in the mail. It’s not our fault if we don’t receive the statements I understand it’s not the company’s fault because they send them out but if the customer says they didn’t receive the statements then they should take ownership and send the statements. I don’t feel like sending the statements out is breaking the bank. Every other credit card don’t charge so it’s wrong to be charging customers 3.00 per page. I will from now on keep calling them if I don’t receive a statement but seriously I understand they have it in there terms and conditions and that is how they get away with statements but still they need to make sure that their customers are getting the statement and not saying we sent the statement so its on you type of thing. FIRST PREMIER BANK is not a great credit card company if they can’t help, and help take responsible as well to help the customers. Customers should come first and always be there to help the customer. I feel that credit card company like this is not worth having if they are not in it for their customers. There just in it for them making money anyway they can. FIRST PREMIER BANK don’t care about your needs.
First Premier Bank / Premier Bankcard Reviews & Complaints
I called the customer service for first premier bank and told them that I was need statements for tax purposes, and they stated that it was 3.00 per page which I feel there taking customers money even when the customers don’t get the statement in the mail. It’s not our fault if we don’t receive the statements I understand it’s not the company’s fault because they send them out but if the customer says they didn’t receive the statements then they should take ownership and send the statements. I don’t feel like sending the statements out is breaking the bank. Every other credit card don’t charge so it’s wrong to be charging customers 3.00 per page. I will from now on keep calling them if I don’t receive a statement but seriously I understand they have it in there terms and conditions and that is how they get away with statements but still they need to make sure that their customers are getting the statement and not saying we sent the statement so its on you type of thing. FIRST PREMIER BANK is not a great credit card company if they can’t help, and help take responsible as well to help the customers. Customers should come first and always be there to help the customer. I feel that credit card company like this is not worth having if they are not in it for their customers. There just in it for them making money anyway they can. FIRST PREMIER BANK don’t care about your needs.
First Premier Bank / Premier Bankcard Reviews & Complaints
I closed my FPB credit card in Oct 2009 with $0.00 on the card. In Jan 2011, I received a credit alert from the FPB, with $64.00 of outstanding balance. I never used it after I close my account. I called FPB guys, they said everything is closed with your account and they dont know how the charges are made on my credit card. This is a terrible card and terrible bank. For anyone at any circumstances, this bank is not recommended!!! It is highly negative bank.
First Premier Bank / Premier Bankcard Reviews & Complaints
I closed my FPB credit card in Oct 2009 with $0.00 on the card. In Jan 2011, I received a credit alert from the FPB, with $64.00 of outstanding balance. I never used it after I close my account. I called FPB guys, they said everything is closed with your account and they dont know how the charges are made on my credit card. This is a terrible card and terrible bank. For anyone at any circumstances, this bank is not recommended!!! It is highly negative bank.
First Premier Bank / Premier Bankcard Reviews & Complaints
I did not authorize an account to be acctivated with First Premier Bank. 95 dollars was take out of my checking account, I demand the money be refunded to my checking account immediately or I will report this to the FDIC and Attorney General for fraud and persure with ALL legal action taken againt this bank. I have reported this to my bank as a unauthorized transaction and they are investigating this issue with the proper authorities.
First Premier Bank / Premier Bankcard Reviews & Complaints
I did not authorize an account to be acctivated with First Premier Bank. 95 dollars was take out of my checking account, I demand the money be refunded to my checking account immediately or I will report this to the FDIC and Attorney General for fraud and persure with ALL legal action taken againt this bank. I have reported this to my bank as a unauthorized transaction and they are investigating this issue with the proper authorities.
First Premier Bank / Premier Bankcard Reviews & Complaints
I had a credit card with first premier bank and on jan 18, 2018 I got a call from the bank collection department that I have a overdue balance of $814 and I told them that I shall pay in full next day and she said if you pay me in full I will give you $ 100 bonus. On jan 19th I called the bank, and I asked for my disputed charges from microsoft and the bank refused to adjust those charges and I was mad and I said I am tired of you guys and I don”t need your services any more so I need to close this account today itself. So I asked for the final balance and she said that $ 694.85 as they refunded me the annual fee of $ 79 and as promised $ 100 bonus so I paid the amount on the same day. And I got a confirmation mail from the bank that account is close. After two days I was just sitting on my microsoft account and called them and after few hours of confrontation they issued me a credit of $ 143.94 but back to my closed account. I called the first premier bank and explained the same and the lady said the day we receive the money we will send you the cheque back. And today when I called them they are just paying me $43.94 as now they are not giving me the $ 100 bonus which was promised. I asked them that account was closed on jan 19th and the refund was issued after that. I even asked for the recording for jan 19 when I closed my account. So now they are just cheating with me for $100.