- Report: #142717
Complaint Review: First Premier Bank - Sioux Falls South Dakota
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Author Confirmed
Why?
First Premier Bank
Po Box 5147 Sioux Falls, 57117-5524 South Dakota, U.S.A.
Phone:
800-987-5521
Web:
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Business Rating:
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First Premier Bank ripoff, $300.00 limit "Platinum Card" $178.00 in fees, no approval or decline. no customer service on Saturday. Who the *** is regulating this industry? I'm going to tell them Monday to stick the $178.00 in their *** where it belongs, but will this affect my credit rating? Sioux Falls South Dakota
My wife received a credit card in the mail today informing her that she had been "approved" for a platinum card with a whopping $300.00 limit, out of which, $178.00 in "fees were applied to her available balance."
This leaves a balance of (wow) $122.00 and an APR of 19.9% and "fees".
The customer service number does not respond with anyone with a pulse on a Saturday. What happens if the card was stolen? This tells me that financial wizard behind this scam is just some sleazy a*****e with a phone system.
There was no right of refusal and no disclosure that the limit would be $300.00 and, where the hell do they get off charging $178.00 to the card before it even arrives?
This stuff has to stop. Now not only are these assholes ripping us off, but they have our private information. Is an identity theft on the horizon? If there is a class action/ambulance chaser out there drooling for a buck, this seems to be easy pickings except that these guys are probably layered through so many blind corps that it may be impossible to get paid on judgement.
I am rippin' pissed and when, or if they answer their phone on Monday, they will run like a scalded dog.
Bert
bradenton, Florida
U.S.A.
This leaves a balance of (wow) $122.00 and an APR of 19.9% and "fees".
The customer service number does not respond with anyone with a pulse on a Saturday. What happens if the card was stolen? This tells me that financial wizard behind this scam is just some sleazy a*****e with a phone system.
There was no right of refusal and no disclosure that the limit would be $300.00 and, where the hell do they get off charging $178.00 to the card before it even arrives?
This stuff has to stop. Now not only are these assholes ripping us off, but they have our private information. Is an identity theft on the horizon? If there is a class action/ambulance chaser out there drooling for a buck, this seems to be easy pickings except that these guys are probably layered through so many blind corps that it may be impossible to get paid on judgement.
I am rippin' pissed and when, or if they answer their phone on Monday, they will run like a scalded dog.
Bert
bradenton, Florida
U.S.A.
1 Updates & Rebuttals
Jane
Spearfish,South Dakota,
U.S.A.
calm down It's not cost efficient for us to send a denial or acceptance letter
#2UPDATE EX-employee responds
Mon, June 13, 2005
I think I know how your call went on monday. You called and wanted to talk about the account... it's your wife's account so by law we couldn't discuss it. Your wife then came on the line and gave us permission to talk to you and we closed the account per her request and credited the fees. It's not cost efficient for us to send a denial or acceptance letter. We mail the card when a consumer is approved. However, as written in the terms and conditions that she should have read before applying, she has the option to close the account and is not responsible for any balance as long as she hasn't used the card. Now, our customer service is open on saturdays from 8am to noon CST. However, our employees need a day off, so we are closed on sundays. Premier takes very good care of its 500+ customer service reps in giving them at least one guarunteed day off each week. It actually improves customer service, because premier keeps its employees and an experienced customer service rep is a better customer service rep. Now if the card had been lost or stolen, it can be closed through the automated system 24 hours a day, and can be further handled during business hours. Any further questions?
