Complaint Review: First Convience Bank - Internet

I don't need to hear anymore about your experience with First Premier...just the fact that you would agree to their terms displays your lack of good sense.

But the real difference between you and I, is I can understand people make mistakes. I do not automatically assume anyone who feels they got ripped off by a bank is stupid, lazy or a failure. Nor do I judge the merit of the report based on spelling errors.

While I do agree this poster may not understand that she did actually sign up for overdraft protection with the debit card, I can state that if she did not sign up for it, she has a case. This is why she needs to ask the bank for documentation. Otherwise, I agree, the report has no merit. But it does no one any good including the bank, to call this poster names. Not everyone is perfect as you Steve so cut them a little slack. Maybe she needs to use First Premier? I understand their terms are great for illiterate sub prime customers.

Ronny,

Your babbling is making absolutely no sense. What does a checkbook register have to do with a credit card?

My deal with First Premier has absolutely nothing to do with anything here. They were simply too incompetent to post a payment that they had recieved 3 days prior to the due date, and subsequently put me in collections for their mistake which I have proven. And, as a result I closed both of my accounts with them. Now I have a credit balance, and they owe me money.

Now, back to the OP's "issue". The ONLY reason this person had problems is the failure to properly manage her account with an ACCURATE checkbook register. There is nothing criminal here. And no civil case either. This person is just stupid and/or lazy and ended up being charged the fees shee agreed to when the account was opened. Just look at this illiterate retard. She cannot even spell the name of the bank that allegedly ripped her off! This person is simple too stupid to live. That is the only "crime" here. And the civil fraud is against the taxpayer because we footed the bill for her schooling.

Violating Federal Regs Can Have Criminal Consequences - Axelrod ...

http://www.alohiolaw.com/publications/articles/criminal-consequences.asp

"Violating Federal Regs Can Have Criminal Consequences"

Or maybe you can give some examples of how a register or "civil" charges would have prevented your issues with First premier?

"me being in the complete fog" Turn on your fog lights and use a check register. Not a rip off.

...if the bank or anyone violates Federal Regulations. But go ahead Steve...keep defending these banks..they can do no wrong I guess. Like you..they are PERFECT and never screw up? Maybe you need to file "civil" charges against First Premier?

The bank has done absolutely nothing wrong here, I'm sure.

Your ONLY problem is that you cannot or will not properly manage your account.

What is so hard about 3rd grade math?

Keep an accurate checkbook register and your problems will go away. Guaranteed.

Lazy and stupid is a bad combination.

And for Ronny G, the bank CANNOT face "criminal charges" as you stated over the opt out thing. It is a civil matter, NOT criminal.

First off, the purpose of opting out of overdraft protection with the debit card is NOT so you can go on wild spending sprees and have no worries. You still need to keep track so you know what you have to spend from the account.

The purpose of not opting in (since banks can no longer by LAW automatically opt you in..you HAVE to sign up for it and agree to the terms) is so if you make a mistake or become subject to an unknown or unauthorized hold or charge..you won't suffer a fee or fees.

You are GAMBLING plain and simple..and hedging you bets that the bank will protect you is not different then standing on the train tracks and hoping the reason you don't get run over..is maybe the train will de-rail.

Now..either you signed up for overdraft protection with the debit card or not. Ask the bank to show you where you signed up for this service. If they can not present this evidence, they MUST reverse all charges or face CRIMINAL charges. If they can produce it, then you are stuck paying for the use of this "service", but make sure you tell them you wish to opt out..and SIGN this on PAPER and keep a copy for your personal records.

There is NO reason any debit card charges should have been approved if the account could not cover it if you did not voluntarily sign up for the coverage..no if's, and's or but's.

And for your own sake..keep track of your account balance yourself..if you depend on the bank to do this for you..history has shown they use this to fleece you into the poor house.