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First Premier Bank - Service Problems

First Premier Bank •Fees, fees, fees •Service problems

Gail of Gay GA writes (9/7/02):
I made a $300 payment on my account online and it has cleared my bank. The credit card company has put a 15 day hold on the funds and will not let me use my credit limit. I've never had a hold put on a payment before with any credit card company, it's just ridiculous. I suppose I am also to be charged interest on my unpaid balance while they are "holding" my funds. the only reason that customer service can give me for holding the funds is that they randomly do this?

Corey of Las Vegas (5/15/02)
I requested a credit card from First Premier Bank not realizing that when I get the card it would already have almost $175 in fees. I left town to go to Reno not knowing the fees and used the card to purchase some items. The bill came and then I saw the fees. I didn't pay the bill because I wanted an explanation of the fees. I was contacted by them saying I was 30 days past due. I informed the lady on the phone that I am not paying $175 for something I didn't buy, she then stated well you need to at least pay for your charges which I did with a check by phone. She said I will make a note that you are disputing the fees.

A month later someone contacted me again saying you're 51 days passed due and I told them I have disputed the charges on the account. 2 months later another employee contacted me saying I'm past due and she offered me a 50% settlement to clear the account and I agreed with that. I gave her a check by phone to pay it. Now 4 months later they have reported me 30 days late after they were told I am reporting this to the FTC.

Jeffrey of Fairfield CA (1/9/02):
I discovered on my bank account statements that there were unauthorized debits from my account by First Premier credit card. I make my payments on time every month. Never at anytime did I authorize a debit from my account. Not only that but they are double charging. They are cashing my check for my monthly payment and electronically debiting my account as well as charging my annual fee to my account and electronicallt debiting that same amount every six months instead of annually. I have called my bank and they are investigating the charges. I will close my account with them when I receive a full refund of all over charges, but feel they need to be stopped from doing this to others. I cannot close my checking account and reopen another, because they receive my payment every month by check which would again give them the routing number and account number all over again.

Merlin of Broadway VA (11/30/01):
I did not order a credit card but it was mailed to me. then about 4 months later I was contacted to let me know I was being charged $25.00 a month just to have it in my pocket. They now will not remove it from my credit nor will they send me proof of who signed a application.I am in the process of buying a house and this is the only thing that is keeping me from it and they refuse to take it off or even talk to me about it anymore.

Kim of Opelika, AL, writes:
We have recieved a credit card that we did not apply for. This card has a $48.00 annual fee that we will billed and from the literature that came with it there is a $3.00 monthly fee.

What do we do? this could show up on our credit and I didn't request online, by phone, or by mail.

Kim should simply cut the card in half and return it with a letter stating she did not order the card and will not pay any of the charges. The letter should be sent certified, return receipt requested.

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