Complain about a product or service

First Premier Bank - Fees

robert of modesto, CA February 7, 2010

Went online to see if i even qualified for a credit card which i did but then found out there fees after it was to late to go back. Then I could not get a hold of anyone to cancel my card. The fees are outragios. There is more like charging you 3.99 to access your account online + the initial fee of 179+.00 & a 7.00 monthly fee which is not disclosed when applying. This card is a scam which i got taken for. Yes i will pay for what i bought but refuse to pay the fees so should everybody else.

JESSICA of HOUSTON, TX February 5, 2010

I received this offer and took the bait I paid what the bills were coming out to with no questions then they hit me with a 179 bill I was like??? Anywho I called in they sugar coated the mess I "trying to keep from messing up my credit even more" agreed to pay unfortunately in the process got laid off and lost everything that meant everything I was literally homeless!

A week before my phone was cut off I start getting the ugly calls I explained to the lady Im not avoiding my dues I just lost my job the money I was approved for I dont have and in return I owe yall! She was not trying to hear it she said can u borrow money from someone? Then they called me again same lady asking me if I had a found a job yet or was I even looking to pay them? I went off on her. Told her as much as I could and hung up my phone got disc. I found a job and called them to try and pay back to avoid from another charge being on my credit she said pay what you owe and you can reapply and see if you get approved. Needless to say I didn't pay them because she came up with a totally different account was only approved for 250 start up how I ended up owing damn near 600 but she was willing to settle for 400.

Dolores of Vineland, NJ February 4, 2010

Worst credit card ever. Fees on top of fees on top of fees. I have paid on time and have been up to date on payments. However, I got a "courtesy" call today telling me my account is going to collection. They asked how often I get paid and I declined to give them this information. Because of fees on top of fees my account is over credit limit. I have been charged more fees than actual items I've charged on card. Now here comes another offer from them stating because I've been a "Very good customer" they are offering an additional card. The fees to activate this new card would be approx. 100.00. EEK! TOLD THEM NOT INTERESTED. REALLY BAD CARD -- don't get trapped.

cynthia of desoto, TX February 2, 2010

This credit card deparment is horrible they charge you all these fees before you get your card i think they are f.o.s by the time i wanted to use my card i had 72 dlls avaible left from all the charges they charge you, so i advice those people that are trying to get the credit scores to a better rate this is not the card to get nor to start .

Joe of Shawnee, KS January 31, 2010

Here is the story. I work at a bank and have had way too many customer complaints about this credit card so I decided to apply for one myself. After reading all the terms and conditions I was well aware of all the fees and finances charges so I never had an issue with that. However, this company is operating out of compliance under specific circumstances. I've been using this card like a regular credit card to test how they operate payment procedures as well as customer service.

My first situation that I came across was when I used the card for a rental car. After I returned the car the rep at Enterprise inspected the vehicle and said everything looks good and they will release the security hold. After 3 business days went by and the hold wasn't released I called Enterprise and they assured that it was. I called First Premier and they have a 15 day waiting period for receipt of purchase on all transactions. This is wrongful practice since their is nothing in writing disclosing this. I asked the supervisor to send me something in the mail showing disclosure about the 15 day proof of purchase and they never sent anything.

Second situation was when I actually had a dispute on my online statement. It was only for 25 but I investigated myself and the item was not my purchase. When I called customer service they said their is a dispute form in the monthly statement they send in the mail. I said "C'mon now, you expect me to wait a month to receive the dispute form and then however long it will take you to investigate this" The lady put me on hold and said to fax a letter stating the dispute and they will start processing. I received a letter 10 days later saying it will be under investigation and if disputed it would take up to 60 days(horrible customer service practice). Not much you can do about that except pray you never have a dispute.

So here is the deal. This is the worst credit card company in the country. Don't ever argue about fees or finances charges because you will not win, they can and will charge anytime even if it takes them 2 weeks to process a payment. I'm convinced that they are aware that I work for a bank and only applied for their card to catch them operating out of compliance, which I have. However, it is not worth it to pursue anything b/c eventually everything will come back to bite them.

DO NOT USE THIS CARD TO PLACE A SECURITY DEPOSIT FOR HOTELS, CAR RENTALS, ECT. MAKE PAYMENTS BY MAILING MONEY ORDERS B/C THEY HAVE TO PROCESS IMMEDIATELY SINCE THEY CAN TRACK WHEN THE MONEY ORDER WAS PURCHASED AND IF THEY HOLD THE PAYMENT THEY WILL GET CAUGHT DOING SO.

Lisa` of Savannah, GA January 25, 2010

Well, I did apply for a credit card and was very happy to be approved. However, when I received my card I was SHOCKED at all the fees and costs for having a credit card with them.I was also wondering about the the fees they had already charged me with before I could use the card. They stated the card was already activated and gave me a 250 credit limit, with an available limit of 72 and said I needed to make a payment of 25. Yes, I did read that there is a start up fee of 179 that needed to be paid. I called a friend for guidance and he recommended that I hold off on using the card and see if I could apply with another bank that did not charge so much in start up fees and other monthly charges. So I decided to read the customer's reviews about this bank. Thank all of you for your comments. As I began to read the comments from previous customers, my heart dropped, I knew something was "fishy" about them. Thank you, thank you, and thank you so much.I will call them immediately to cancel my card today. God Bless

charmaine of philadelphia, PA January 25, 2010

I received A visa credit card from firt premier bank credit for 250.00 but only 71.00 was on the card. I use the card for christmas shopping. there was only 71.00 credited to the card. I received A bill for 204.00 but didnt owe that amount becuase only 71.00 dollar was on the card. was suppose to give me credit of 250.00 online. after that i found out it was only 71.00 dollar. they was taking out themselve 179.00

I havent purchased anything. when I called and talked to customer sevice they told me just pay 71.00 so will be zero balance so i dont have to pay 179.00. please reply.

Jwig of MACON, GA January 22, 2010

First, I hate this company and I wish I never got this card from them. I knew something was wrong but I can't tell because I thought because it was a little amount that I could pay it. These fees were crazy. I'm paying for all fees before I use the card.

Michael of Buford, GA January 22, 2010

I am very lucky I read all of the reviews before I actually used my card! I too received a bill for 179 before I even seen the card, leaving me with 71 to spend on a 250 limit! I thought it must have been stolen, so i called and they inquired and they said it was standard start up fees that I was being charged. i knew then something was rotten so I started looking at all of the reviews. Guess what? Not one positive review. So I went and read the small print and luckily they have a return policy stating that if you want to return the card and have made no non-refundable purchases you can do so within 30 days.

So I called customer service and told them I would like to cancel my card. They said sure, to hold on and a specialist would be on the line shortly to help me out. what they mean by specialist is a sweet talking customer service rep who is going to try to talk you into keeping the card. So I went round and round with this guy and he comes with what he thinks will be the clincher, he is willing to give me a 50 credit that would take effect immediately and my available credit would jump to a whopping 121! I then proceeded to tell him that if he gave me a 179 dollar credit that I would consider keeping the card.

After which his whole demeanor changed and he told me to cut the card up and throw it away when I receive it, and then hung up on me without a good bye. I need a credit card to build up my credit, but i dont need one that bad. If you are going to keep the card it is worth calling and threatening to close the account to receive the 50 dollar credit, but if you read enough of the reviews you will see that it just isnt going to be worth it down the road. i will just save up a few dollars and get me a secured credit card and build my credit that way.

Jennifer of Aurora, CO January 21, 2010

They sent me a credit card that came with a 180.00 balance. I paid it and called to cancel, they convinced me not to, that i would have better credit staying with them. I stayed with them, tried to use the card twice and it came up declined. I called them they said I should have 300 on it. But it didn't. I tried to cancel. I have been paying 7 monthly for nothing. I have not used the card once.

I called today and it says zero balance zero credit available. I have basically paid about 200 for a piece of plastic. These people should be put out of business.

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