First Premier Bank Card Never use First Premier they will put it to you Sioux Falls South Dakota
I am so pi**ed off at FPB. me and my husband both have an account with them and he made my payment last month. he used one of his checks, but had me to write my account number in the memo. they want my husbands bank info to post the payment to my account. i told them they couldn't have his bank info. Then they asked me if they could draft my account and i told them no and hung up the phone on them. they added all kinds of late fees to my account and that put me over the limit so then they added another fee for being over the limit. They called me back telling me that my account was going into collections.
this is the first time that my payment has ever been late and it was their fault and they are talking about collections.
then on january the 18th i find out that my bank account has a negative balance and FPB has tried to draft it twice in the amount of $178.09, and each time there was a $26 dollar fee from my bank and $25 fee from them.
then when i got my income tax they drafted it again in the amount of $178.09. Now my balance is $57 with $0 available credit when i am supposed to have a limit of $200.
I don't understand why they drafted my account anyway this is supposed to be a secured credit card!!
Tobi
Montgomery, Alabama
U.S.A.
1 Updates & Rebuttals
Melissa
Latrobe,Pennsylvania,
U.S.A.
Secured Credit Card?
#2Consumer Suggestion
Sat, February 23, 2008
Secured credit cards mean that you have to mail the company/bank a deposit to be held in an account. Your credit limit reflects the amount of the deposit. This deposit will be used if you default on your payments.
Did you have a deposit with First Premier? If you didn't, then it's not a secured card.
You state that your husband sent in one of his checks to pay your account and that they wanted his bank information. This does not make any sense because if he mailed in a check, they would have all the bank information they would need. His checks have the routing number and account number on them.
Your complaint is very hard to follow as far as what happened when. Did they accept your husband's check as payment to your account? Was that payment late? If it was, then obviously you will be nailed with a late fee.
As far as your available credit being -0-. If your account is sent to a collection agency, of course you won't be able to use your card anymore!