Premier Bankcard Reviews

I got a bill in the mail for a credit card I hadn't even seen. My balance was already $172, with a credit limit of $250. I called to cancel the acct. immediately. It took me 15 minutes for the CSR to get that I was serious about closing the acct. She tried talking me into this & that & tried to scare me regarding my credit (ie you know it doeasn't look good if you open & close an acct so soon, this will show up on your credit report, etc.)

I have tried to make my credit card payment 2 days in a row online, the website is constantly down for maintenance. When I finally was able to access the website to make a payment I was charged a $7 service fee. Once my balance is paid off I am cancelling this card!

I applied for First Premier Bank's credit card to help build credit. When I received the card, there was already $172 charged on the $250 credit limit.

i ordered there credit card online only to be charged 179$ for finance charges that were never mentioned at the time of card ordering.

I did not apply for this card and it arrived with a bill already charging me $179.00 dollars. I tried calling the 800 number and I kept getting the run around. I went to their website and it only has how to apply for a card and how to check on your credit card account. I was trying to find a way to email them and couldn't find anything. I am thinking of cutting everything up and mailing it back to them.

premier billing for charges unknown to me i have documented proof ireported repetedly reported this unauthorized charge the last contact with premier employee reguarding matter explained they were directly afialiated with unauthorized charge company/pasport of fun

I, too, am trying to re-establish my credit after bankruptcy. I accepted First Premier Bank's offer of a credit card over the phone after receiving marketing material in the male. In the entire half-hour phone call, I was NEVER told of the $179 fee. I would not have agreed to this! I can't even call this blasted company to cancel this account. Oh well, their statements will be thrown in the trash when they arrive. What can they do, ruin my credit? HA!

In 2003 I opened a First Premier Bank Credit card, I knew of all the fees and such, what happened was after 2 years of having the card, I wanted to close it, so I paid off the balance, didn't get a bill 3 months later a past due notice reaches me. I called again in protest, customer service said no notes stating account closed. What ended up happening and is still happening is I Close the account and 3 months pass and a new past due notice is sent. I can't seem to close this horrible account. Is there anything I can do? HELP

I was trying to re-establish my credit. After I received my credit card I used it once for a tank of gas. Received my first statement and I was at my credit limit. I made a payment of $125 and to close my account out because I figured it was a rip off. A year later my account is closed but somehow with interest and penalties they have my balance up to over $400 and I have refused to pay it.

I am making a road trip this summer and needed a credit card for it (I have previously only used pre-paid cards but some places will not accept them. I received a solicitation from First Premier Bank and sent in an application. I received an invoice a week later (no card, just an invoice) showing a credit limit of $275 with a charge of $179 (leaving a balance of $96 on the card). Since receiving this, I have tried to contact someone through the numbers on the invoice but only get computer voices. I would have declined the card with such a low balance as it is pointless. This company never gave me the chance to do so.

I've applied for a card to try an re-establish my credit.Sent in the processing fee,and waited for my card.It's been over a month now and I just checked my credit report to find out that I have an overdue balance of 151.42.And yet have no credit card???????

I'm not sure of the consequences. All this just happened today. I am cutting up the card and mailing it back to them with a complaint in writing. I am going to demand that this account be deleted and not reported to the credit bureau's. I do not know what to do from there. Any suggestions?

I have to worry that these people will wind up killing my credit in the long run. With their non-stop calls and harrassment at home and everywhere else I am stressed beyond my limits.

If you want to make First Premier pay attention to these complaints, then as a group we all need to file complaints against them with both the Attorney General's Office of South Dakota and your state's Attorney General's Office. This is how the New York city lawsuit began that caused them to have to pay $4.5 million to people they defrauded. They won't pay attention until you complain to agencies that will actually go after them. Here is the Attorney General of South Dakota's website. Just click complaint and file it. When they get numerous ones they will take action.

I specifically asked to have $336.00 2 times over a month period. Every 2 weeks I was left with $10.00 for paying my electric, Cell phone bill and buy groceries for my child--not to mention gas for driving back and forth to work. So my electric will be turned off in a week because of this.

I received a letter in the mail 5/07 with a mc # and expiration date, and I called to get more information about the card before I agreed to accept the offer. The lady I talked to said that they would extend the first payment of $20 until Aug/07, that the credit line was $300, but with a fee of $60.00 and $7.00 fee charge for the card being deducted. Also there was a charge of $150 membership annual fee, and there were other charges that left me with a credit line of about $60.00 to use right then. She said that once I made the first payment all this would cover all the fees and other charges; once all the fees was paid, I would have the full line of credit. She made it sound so good I thought this is a good way to start to rebuild my credit. I told her that I never received the actual card; she said it was in the mail. The same day I went online and paid for my AARP membership in the amount of $14.95.

I received my credit report for the first time in four years. First Premier Bank is listed on my credit report. I have never had an account with first premier, nor have I ever applied for one. They will not remove the information from my credit report.

I applied for a credit card from First Premier Bank. It arrived today with Initial Fees of $179.00 and a note that the card is already active! I have done nothing with the card and want to know what is the best course of action to cancel this. I've been looking on-line, and all I see is one horror story after another.

First Premier Bank's credit card is listed on my credit report. I have never received this card nor a bill or statement.

I wanted to build my credit back. I applied for the First Premier Bank Card. Big mistake. My very first statement was like this: Additional card fee $20.00, Program Fee *Finance Charge* $95.00, Account set-up fee *Finance Charge* $29.00, Monthly servicing fee *Fin Chg* $7.00, Annual fee $48.00, Premier credit card protection $1.17. Total first statement with out any first purchase $200.77.

I, like many others apparently, am quite upset with First Premier Bank. I have had problems with these people since the moment I received my card. My card was already activated when I got it in the mail. Who would be careless enough to send a card that is already activated? Goes to show that they do not care who receives/uses MY card. The card only had a $250 limit, over half of which was already used by fee's etc making the card virtually useless until completely paid off. First Premier charges their clients a fee to make payments every month be it by phone or Internet. Who charges their clients to pay their bill? When I called them to ask about these issues, the representative with whom I spoke sounded somewhat inebriated and could not answer my questions. When I asked to speak with a manager, the representative put me on hold, then came back onto the line and said his manager didn't have any answers for me either.

I thought it would be a good boost for my credit. Right after completing the application and receiving approval, I decided to look this company up. I went to several sites that had nothing but negative comments about Premier Bank being a fraud and scam. I immediately emailed Premier bank and requested that my application be voided and that I didn't want anything to do with their company. I assumed that was the end of the situation.

I have been a card holder with this company since 2002, back as a freshman in college. I wasn't working and didn't use the credit responsibly, the card only had a $250 balance. One year after getting the card, I was financially unable to keep up the minimum payments. It seemed as if when I made the minimum payments, the card balance would increase by the next billing cycle. The card was charged off eventually and on February 14, 2005, I made an agreement with collection agency Accounts Receivable Management to pay a portion of what First Premier Bank claimed I owed, which was $299.

I received a letter in the mail from First Premier Bank (Sioux Falls, S.D.), asking for my Social Security number so they could process my application (I had not applied for a card). I later realized I had become an ID Theft victim. When I received my credit reports, First Premier had already done an inquiry 3 days prior to the date on their letter. It dropped my scores. I have tried to contact them, in vain. Impossible to get a human--almost totally automated. At one point I finally got a rep., who claimed I was not in their system, so they would not/could not remove the inquiry from my report. I don't know what to do other than file a dispute. My understanding is that disputes are extremely difficult to remove. Any suggestions appreciated! Am considering hiring an attorney (Contingency, as I am on disability). I only found out because I had to request my credit reports because of the ID Theft.

I received the card and already charged $172.00 into my card with $300.00 credit. THEY CHARGE ME TOO MUCH.

Don't get behind with this outfit. They will hound you to death using the phone without caller ID, including calling you on Sunday. Thank your senator and congressperson for gutting the powers of the Federal Trade Commission. That action gives predators like First Premier the ability to provide a liner for pond scum. Run away. You don't need anything from these jerks!

I am trying to buy my first home so I checked my credit report. It showed an unpaid balance from First Premier Bank for $215.

I closed and canceled this account out, and returned the card to them via certified mail last year. I was charged a really high fee within one month that brought my card almost $200 over the limit.

I received a credit card that I did not apply for. I have tried calling them and could not talk to live person, only computer.

About two years ago I received a gold credit card from First Premier Bank. I obtained a $200 credit limit and was allowed about $100.00 after all of their fees were taken. I have made all of my payments on time. About a year ago I moved back in with my ex-wife. Since I have no bank account she helped with sending a check for my payments; I would deposit monies into her account. I decided to pay off my card to build my credit; however, after a couple of months there was a hold put on my account. First Premier wanted to know who was writing the checks for my payments and required written permission to insure that I was not writing on an account without permission to do so. My ex-wife wrote a letter and faxed it to the security division. All the while they did not allow me to have access to the $370.00 I paid on my card. First Premier then required a written letter from me stating I was not a writer on this account. I did that.

My first mistake was that I had inadvertently paid the renewal fee for the second year. I then sent Customer Service a notice that I wished to cancel service. Not only did they not close my account but held a few charges until two days AFTER the next service year. I then found that they then considered the account not only not canceled, but that these charges constituted my acceptance of the second year. After losing the argument with them that I had not effectively canceled my account, I begrudgingly agreed to pay off the amount due and that my renewal fee was additionally lost.

I received my card with a balance and never used it. They never mentioned a program fee ($95), an account set-up fee ($29), monthly service fee ($7), and an annual fee (($48). All I saw was the 9.9% rate. I just got this thing and will cancel it.

I have never personally applied for this bank card; however, my identity was stolen via internet, and although I have sent these people the info. needed to clear this up, they have not. I even had alerts out to my credit reports, and that still did not help me with these people. I wish only that they would take this negative info. off my credit report .

They sent a preapproved card and I submitted my application. My husband told me it was a scam so Itried contacting customer service and they don't even give you an option to speak to someone. I could not cancel my application.

We had the same issue as the example you use where Premier Bank issued us a credit card with a line of credit for $325 but the bill arrived with never having used the card. The bill was for $279 in various fees. We are trying to cancel the card but cannot get hold of anyone.

This company continues to send their pre-approved applications to my residence despite my requests with customer service telling them to stop. I also sent a letter stating the same. These people say they help those who might want to reestablish their credit. What they are really doing is getting rich by charging such high fees. Hard working Americans are being taken advantage of. Please stop these people from the evil they are doing. THANKS.

I was trying to establish credit, and I thought this would be a way to start with the bank card. Was I ever wrong. My credit limit was $200, and on my first statement they took out $150 in fees, which I did not mind, but then I got my next statement and it had a $29.99 late fee. I sent my payment way before the due date. It is not my fault they did not cash it until after the due date. And the finance charges are ridiculous. I have only had they card for a month and I am canceling it. They charged me a late fee, and now on my credit report that is going to be a strike against me. I don't understand how a company can be so greedy. They say they will help, and they only make it worse. They are just taking our money.

I thought I was trying to rebuild my credit by getting this card. Was charged up front $172, paid it and was given $250 credit limit, but the other fees took up this limit each month. I tried to canceled the card by calling and sending a letter and never used the card, but to my surprise it was on my credit report ;and it is still incurring the extra fees only.

I got one of their credit cards. I paid all of the fees, and paid the card in full. They took the money directly from my bank account, so they knew that the funds were valid. They plan to hold onto the money from 16-21 days. I thought that they meant if there was a check sent, they would hold the money.

My experience is not unlike others who received the card with $172 balance owed and a limit of $300. In addition to this major disappointment, I have trouble EVERY MONTH logging on to my account to pay online. When I did make a payment online on the actual due date, I was informed that the transaction would show THE NEXT DAY as the DATE PAID, which would mean it was paid late, and the late fee would then apply (even though I actually paid it on the day it was due). Every month, I have to call them before I can log on because the system ALWAYS tells me the CVV number that is wrong. It is the number on my card, but the system doesn't acknowledge it. So, every month I have to make another phone call where they PROMISE to correct the problem. I am then able to access the account that one time. Then, next month I have the SAME ISSUE all over again. I am tired of having to call them every month because they cannot get their web site fixed. It is the worst experience I have EVER HAD with a website or a creditor!

I was pre-approved for a credit card from First Premier Bank. I have no idea where this card came from. On Wednesday, December 19th, I got home from my office and found the card in the mail. On December 20th I sent the card back to them, cut in three (3) pieces on the same document they sent me the card on. I sent them a note telling them I did not want the card. On Saturday, December 22nd, I was hit with a bill. I tried to reach the bank on Saturday but found out their banking hours are M/F 7 AM to 7 PM. I am not paying that bill for something I did not want in the first place. What a shock to be hit with a bill! How can I undo this horrible thing? I am so afraid that they will make me pay the $179. There are so many fees for a card that I never used! Plus, I NEVER activated the card. And I don't have the card in my possession as I mailed it back to them, cut in three pieces. Can you help me out?

I applied and got a First Premier Bank credit card to clean up and build my credit. The card arrived with balance to pay and no limit. I paid a $20 a month for almost a year and used the card 1 time for a $10 purchase. I called to cancel the card because I didn't understand why I was paying all this money and hadn't spent any. Then they billed me $500, and I said I wouldn't pay, so they have put a negative mark on my credit!

My husband had a First Premier credit card with a limit of $250.00. As you have stated on your web site, all the fees were taken out and left us with minimal credit. But, we paid on time, and after a period and lots of fees later, we requested a limit increase. They denied the increase on the same card, but offered us ANOTHER credit card, with the same limit and the same fees. They did this to collect the high fees and additional interest rates. We think it was unfair to do this and took advantage of us. Due to financial medical problems, we had to let the cards go to charge off, as we were unable to pay on both of them. I also had my own card with the same fees and high finance charge. Those fees and other misc. charges times 3-- this is a lot in fees. We eventually closed the cards, and they still charged us over the limit fees and late fees and more.

I received a First Premier Bank card with a balance of $179.00 with a $300.00 credit limit. The card has never been used, yet the balance continues to escalate. I want to pay it off and end my association with them, but the penalties remain due and payable. I had no clue this would be the case. I was only interested in establishing credit after divorce.

I applied for a First Premier Bank credit card through the Internet and I was approved. The credit limit they gave me was a little more than $200.00. What is bothering me is that even though I canceled the account, I still have to pay the credit limit ($250.00) which was approved from the beginning without my using it: I have not spent $250.00 but have to pay for it.

After reading the article on Consumeraffair.com, I looked into my credit card from First Premier Bank. They have a $250.00 limit; I use the card to give to merchants with whom I may not be totally comfortable giving a big balance card or online use. After reading your article I discovered the charges they hit me with are $6.00 a month plus $48.00 membership, and they have permitted charges to my account that have no details. I pay off the balance each month. Never thought to question until I read your site. I am canceling this card right now.

I have had a First Premier Card since 2004. They started me out with a $300 credit limit and I am still at that amount. On this month's statement I was charged a $29 over limit fee because they charged me a $49 annual fee and a $6 monthly fee.

In 2004 First Premier Bank offered me a credit card with a $300 dollar limit. I was trying to boost my credit. I used it one time and have been paying on it since. And it has hurt my credit terribly. They still say I owe them 400. I would never get one of these again.

A credit card from this bottom feeder arrived in the mail Friday. Trying to call them is hard. Go to #1 in their phone choices, but don't enter anything. Eventually they will switch you to a live person.

I haven't used my credit card in months and have faithfully been checking my invoices. I'm saddened to report that First Premier Credit Card charges a $6.00 a month "participation fee" along with the $48 annual fee. How disappointing to learn that I will pay $120 a year for a card I never use. Can this be ethical?

3 years ago I decided to establish credit and stumbled upon First Premier Bank Card.

It's totally ruined my credit

Attempting to rebuild credit, took their offer, a $250.00 line less fees netted a 72 dollar limit. Six months later I ask for a credit increase, they deny me based on credit report which is how they offered me the card in the first place. They claim the increases are based on payment history. I have routinely sent 5 times the minimum in order to build credit. In addition the 6$ monthly usage charge is nuts!

I keep being spammed by this bank, over and over and over! I have added them to my block senders list, clicked unsubscribe in the email, called them and asked to be taken off, mailed a letter to them at their Sioux Falls address; asking to be taken off....sent attachments of their emails to the spam dept of our government...what am I to do? I had their card before and was charged all those fees...paid it off and closed it. Since then all I do is receive spam from them.

I applied for this credit card in hopes of rebuilding my credit. I was aware of the fees and was prepared to pay. However, I did not expect to receive a card that was almost at its limit! I have $178.00 worth of charges on the card and only $72.00 available to me, and I have yet to use this card.

I was offered secured credit card that I used a few times. I later told them to cancel card and apply the security deposit to amount owed on card, they said ok. 3 years later get collection letter for $819.53?????????!!!!!!

I got the card to try to establish credit. They approved me for a $200.00 credit line and automatically had a $175.00 fee. I paid the amount in full and tried to use the card but I find out that they hold my payment 45 days to clear with my bank, even though it was cleared from my checking account. After I paid to use there website, I made payment and I find out that the payment was never processed and an additional late fee was added.

Some time on or about February 18, 2007 I received an internet offer for a First Premier Bank Charge Card at an annual 9%. I applied not knowing the terms and was accepted. Then immediately I was able to read the terms. They were so outrageous that I then within minute emailed the bank to cancel the acceptance to no avail. Today March 3, 2007 I received the card. There is no way they can be contacted to speak to a person for customer care about the issue.

I had a to file for bankruptcy in 1999, but still suffer the consequences of trying to get credit, though all is fine now. These people sent me one card with a $250 limit and $187 on the card already.

They keep adding fees to my bill that is completely fictitious, such as participation fees, fees for paying fees, etc. I try to keep my balance at zero, but new fees keep popping up. they almost reported me to the credit bureaus for lateness because I didn’t check my balance online, which I had left at 19 cents, and for that they called and demanded payment, which of course includes a $7.00 payment fee.

My son, who is under aged, decided to get himself a credit card. He has no job. First Premier issued the card despite no parental approval and with disregard to checking legal age. As a parent, I get the mail and when something comes in for my children, I open to see just what is going on. Lo and behold, a bill for $178.00 on a brand new account! $95 for a bogus program fee, $29.00 account set up fee finance charge, and $6.00 participation fee, $48.00 annual fee from 3/07 to 2/08!

I received an unsolicited card in the mail on Feb 1, 2007, with a limit of $300 and an initial charge of $178 for various fees and an outrageous interest rate. I threw it away and the very next day received a statement for the $178 dated more than 10 days before I received the card!!!!

In an effort to obtain a credit card and to re-establish my credit, I applied for and received a First Premier Bank credit card. I was more than surprised when the card arrived with a $172 balance already on it!

I have had First Premier for 13 months now. I have paid EVERY bill on time with no over limit charges or bounced payments. Today, for the 5th time, they charged me $7.00 to make a online payment. They took the money from my bank acct. on the 12-21-06 and I found out today that it won't post until 1-08-07 because my check MAY bounce !

I received this card back in September. The card came with about $181 in fee's. They did not mail me a bill for December 2006 and, now my balance is up to $319.

I was very surprised by the card. Even though I have not used the credit card, I have been already charged almost $200!

I opened a First Premier Account in order to establish good credit. This is a joke! The monthly fees and erroneous miscellaneous debits and annual fees cause for over the limit fees to be generated and the card is NEVER paid in full even if monthly payments are made on time. I am getting no benefits from this credit card. I believe that this company is defrauding the public. My credit limit was set at $250.00 more than a year ago. I have made consecutive payments monthly and today my account is over the limit and delinquent because of the extra fees they have added to it. I have never even used more than $50.00 for purchases on this card total yet today I owe more than $329.00!

I opened this card and it already came to me activated with charges of $178.00 when my limit was I believe $250.00. I charged about $63.00 on the card and made a payment when my first bill came. Afterwards, I wasn't receiving bills in the mail and I thought that was strange and then I would receive bills one right after the other after calling them. It was so hectic and mixed up that I called to cancel the card, because it didn't seem like something was right on their end. I had a bad feeling about the company and I was really worried that it would further mess up my credit. I'm only 23 and I don't want to be in debt for the majority of my life!

I applied for this credit card a few months ago and they have all these charges on the statement that I never agreed to--'privacy matters' etc. I am really upset because I havent even been able to use the card b'cause I have paid out so many different MONTHLY fees (that seem illegal and unwarranted). I think this is a scam and I want ALL my money back from not only the charges that I never approved of--- but of all the miscellaneous monthly charges that seem VERY UNREASONABLE AND ILLEGAL.

I am writing concerning Premere Bank. They operate, sort of like Cross Country Bank. I receive applications all the time from them. Saying they will help, people get a credit card, that has had bad credit. Here is where they get you, they say the interest rate is as good, as people with no credit problems. They say on the app, that you will receive, something like $250 credit limit. But when you read the fine print, after they charge you, with all the fees, you might have left, if you are lucky, about $50 credit limit.

I received a card in the mail from First Premier Bank. I did not apply for this credit card. I read the disclosure statement and they want to charge me a total of $178.00 in fees. That would leave me a balance of 50 dollars. I do not want this card. I did not sign anything and I am following the instructions that say to cut the card in half and send it back to them. What do I need to do to ensure that I have no further problems with this company. Furthermore, how did they manage to get authorization for a credit account on my behalf?

I thought that I was signing up for a secured credit card offer but had no idea until I received their credit card that what I purchased was actually a one-time pay for "no services rendered" fees. To my dismay, I have "blindly" agreed to this and now question what I can do to cancel this ripoff.

I signed up for a Visa credit card and they have charged me with hidden charges, late payments, over limit fees, etc. Plus they will not let me cancel my card.

On 2/8/06 a man called my house and asked to speak with me regarding an important business matter. He demanded that I submit my checking account information to pay my account current. This procedure would result in another service charge to take the payment over the phone.

I applied online several months ago for a credit card. Five different letters have been sent to me, all of them say exactly the same thing: "You have been approved for a credit card." Just send us a "copy of your driver's license" or "your original birth certificate."

First Premier is constantly charging me cash advance fee's though I have NEVER made a cash advance. I have attempted to cancel the card for about a year, yet they keep sending me statements with fee's.

I received a First Premier Bank card ,with $300 credit limit, that I didn't apply for. Two days later I received a statement with balance of $198!

On 2/2/06 I rec'd a letter from First Premier Bank thanking me for applying for a credit card. I did no such thing so I immediately contacted all 3 credit reporting agencies and put a fraud alert out on my/my wife's SSNs. I am awaiting those credit reports.

Unfortunately I made a few credit mistakes in college and am now paying for them as well as fixing them. I applied and received the First Premier credit card with the full understanding of all its fees and the fact that these were just a stipulation of the mistakes-take it or leave it. I took it and paid all the fees immediately.

When this bank sent me a credit card, I read the fine print and promptly cut the card in half and sent it back to them with a note telling them I do not want their card.

I recieved a bill for this credit card in the amount of $213.95. That total is just for their fees - there was no other activity.

Because I was "pre approved" for a credit card I called in to apply for it. Less than 10 days later I get an ACTIVATED card in the mail with a credit limit of $250 and already charged with "intial start up" $178 in fee's.

I have a credit card to rebuild my credit. I paid my bill in full on 12/12/05. Obviously I made purchases that went $15 over the limit, so they charged me $25 for the over limit fee and another $25 for a late fee. This was on the 27th of Dec, before my bill was due or I had even recieved my statement!

When I tried to cancel this credit card within the first 30 days of receiving it, they convinced me to keep it. I told them I was on a fixed income SSI and it would be hard for me to make payments on time. I had also told them I had filed Bankruptcy chapter 7.

On behalf of First Premier Bank, a collection agency contacted me by telephone. When I explained to the agent, Marissa, that I was in the process of filing for bankruptcy, she told me "Yeah Right! You can't afford an attorney! You're a debtor! You don't pay your bills!" I, in turn, told her that she could contact my attorney and hung up the phone.

I have been trying to get my account and credit updated. I have been verbally abused, hung up on, disrespected as a customer and a person by over seven different people.

I do not even remember applying for a credit card, but I got one. Then they tell me that $178 in fees had been posted to my account and there is a $48 annual fee.

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?

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.

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.

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.

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