Direct TV tried to use our credit card to pay off $33.16 that we owed them. We had already paid them so we called First Premier Bank to close that account but the said we were such good customers let them cancel the old card and issue a new one and we said ok. On 11/05/2010 they let Direct TV bill us for $79.42 on our new card which Direct Tv did not have.When we called First Premier Bank the said we needed to fill out a form to get our money back, and since we did not give Direct Tv our card #... First Premier Bank did... after telling us they would not we feel they should have to try to get there money back...not us...we canceled our cards and are going to pay the one they charged down to $79.42 and let them try to get there money back from Direct TV.

First Premier Bank claims I owe it close to $400 in membership and assorted fees even though I'd cut up my two First Premier bank credit cards, sent the cut-up cards back to the bank and had already paid off all of my minimum amounts due. First Premier Bank failed to do its market research before sending me a preapproved credit card, and then a second card. If the bank had done its research, it would have discovered that I have had three federal, Chapter 7 bankruptcies (1986, 1996, 2003); that I have a 43-year history of clinically diagnosed manic-depression (bipolar disorder), meaning that I like most bipolar people in their manic phase am insanely reckless and profligate with money; that my only income is a monthly Social Security disability benefit check for $1, 234; that I have had numerous stays in mental hospitals and jails; and that additional evidence totally disqualified me from the use of any credit card from any lender--except for bottom-feeder predators like Frist Premier Bank. First Premier Bank's collection unit, for more months than I can count, has dogged me for repayment by mail and phone calls. I once threatened one of their collectors, saying I knew where she worked and I had an M-16 (our Army's assault rifle) and if First Premier didn't stop trying to collect from me money I didn't owe them, I was going to kill everyone in her office. My threat failed; First Premier to this day still phones me daily--and constantly through the U.S. mail offers me deals by which I need only to pay it 60% of my alleged debt to them. First Premier Bank isn't very bright. It has, quite arguably, by now spent more money on collection expenses re: me than I allegedly owe it.

I am a recipient of a First Premier Bank Card. I once had poor credit due to medical bills, and when I became a parent and went back to school, I knew I needed to get my credit back on track. I paid off all my debt, but my credit score wasn't moving up. So, like most in my position, I chose to go with a subprime credit company - First Premier Bank.

When I signed up, I thought the only charge I would see was the $29.00 set-up fee, however, even though I was given a $250 limit, I was only able to use $90.00 because there were all types of other fees, including an annual fee of $48.00, as well as a $79.00 fee for a "program fee." I made only a purchase of gas the first month, and have only made three other purchases in a year - all less than $20 because I basically had no credit with which to buy things.

When I started to pay my balance, I felt like I wasn't making a dent. Each month I paid on time, over the amount. There were three times I paid on the due date, and I was charged an extra $11to have it processed that day. I never knew they had a web site to make payments until a rep "slipped" and told me I wouldn't have to pay the $11 fee if I paid online - so, I was about to hang up and pay online when she told me their "system was down." Looking back, I was being lied to so they could collect this outrageous fee from me for paying ON TIME!

My limit went "over" ONLY because of their fees! I have not made a purchase in 6 months. I thought I was doing a good job of paying down, then received the annual fee and went over my limit! How is this? They charge me $17/month for NOT making purchases, even though I can't because I have no credit b/c of their fees!! Each month I was being charged an extra $25 for the "over the limit fee." Even though it is not anything I actually bought, it's their fees that put me over the limit!

I called to cancel my card. I was told if I cancelled with over a $20 balance, I would still be charged $17/month for the "no purchase made fee." I said, "I'm going to be charged 17 bucks a month even though I can't technically USE the card?!" The rep said, "YES!" This can't be legal!!

This company preys on people with poor credit because they know they will be able to make money off unethical, ridiculous fees. This is unethical, immoral and should be illegal!

I want to make a class action lawsuit. I have read many complaints. TOday is 12/11/2010. Let's do this together! I need a lawyer to help me with this. To any lawyer interested: I don't want any money from this. You can keep it all if we get a settlement! I just want to be able to close my account w/o a balance. PLEASE JOIN ME AND HELP!

(After a year of having my card, I did get offers from other companies, like Orchard Bank and Capital One - which are much better options.)

Got this High Fee Card to help build Credit. Fraud charges appeard on Card in Feb 2010. The account is paid in full automatically from our bank account. We filed a Dispute with no resolve from Premier The Only thing First Premier did was to close the account and reopen and new account and transfering the balance over. First Premier adviced us that since the card was paid in full we would investigate and get back with you.

March 2010 First Premier sent a new card with a new account number. First Premier reported the card late 30 days to the credit reporting agencys with a zero balance and nothing owed - They returned the late fee with an appoligy but did not remove the negative reporting to the credit agency. This caused my score that I was doing my best to increase go down.

Being ripped off for over $400 now for those out rageous fees and paying for fraud charges This account was closed - Over paid a total of $146.00 for the fraud charges that I have been waiting for a resolutions or refund for those fraudulant charges for over a month now.

April 2010 First Premeir reopened the card without my authorization and instead of refunding the $146 we over paid for the fraudulant charges First Premier added those charges back to our account and deducted another $146 from our bank account. Thus we paid twice now for the same fraudulant charges to the account.

May 2010 we get a statement that our account is paid in full and we only owe $7.00 for the monthy fees. I called and let them know that we closed the account and paid it full back in March of 2010 and was waiting for refund of the additional payment that was taken by First Premier.

June statement comes with a Zero Balance and new charges of - Yes you quessed it "The $146 for those fraud charges are back on the statement for the 3rd time".

July 2010 First Premeir reports to the credit agency a 30 day late with a total amount due of $198.86 we called first premier to explain that the card had been closed and why did they place fraudulant charges back on the account again with different reference number. I was waiting for a refund! The First Premier Rep Personally told me "HE WOULD PERSONALLY SEE TO IT THAT MY CREDIT WOULD BE DESTROYED when they keep reporting it and then finally Charge it off as a bad debit

August 2010 First Premeir reports to the credit agency a 60 day late with a total amount due of $229.50 I called first premier to explain that the card had been closed an we was waiting for a refund! Same story different Rep told me THAT HE WOULD PERSONALLY SEE TO IT THAT MY CREDIT WOULD BE DESTROYED because we will keep reporting it for years and then finally Charge it off as a bad debit

September 2010 First Premeir reports to the credit agency a 90 day late with a total amount due of $233.29 I called first premier to explain that the card had been closed an we was waiting for a refund! The First Premier Rep Personally told me THAT THE ACCOUNT IS NOW CLOSED AND TURNED OVER TO COLLECTIONS.

Oct 2010 First Premeir reports to the credit agency Charge Off. I despute the charges with all 3 reporting agency with no luck! First Premier says that I am repsonsible for the charges

PLEASE SOMEONE HELP ME.. With First Premier Charging this Off as a bad debit instead of building my credit its being reduced and now I am being denied jobs offers and other credit opportunities.

2 months ago I had my account paid down to half of my credit limit. Then the due date was changed and a 38 dollar fee was added plus 44 dollar "over limit fee". I called and was told this would be taken care of. They have continued to move my due date, making each monthly payment late and continuing to add 38 late fees. They have now run my account back up to just 2 dollars below the limit. Next month they now are threatening to add another 48 dollar fee for being over the limit. There is no sense to this. They put me on hold and then never return to the call, or transfer me to another office and I am cut off. How do they get away with this and not government agency is looking into it.