I only this credit card with a limit of $250. I use this card for minor purchases like gas or internet access charges while I am on the road.
I was at home on the Jan 31 when I received a telephone call from First Premier Bank. The caller stated that he was an employee in the collections department. I was verbally upset with the caller and let him know that I pay the bill in full every month when I get monthly statement in the mail. He stated that they did receive the December payment (which was posted) but never received a January payment yet. I asked him why would I be in collections when (per them) I was only late this month's payment (hell it was still January even). He explained that this account was not "technically in collections" per say, but he is in the department that ensures its clients are paying their past due bills.
Explaining that I have not received the January statement in the mail, that I received all my mail in a secured post office box so that there is no way the mail was removed except by me. So instead of arguing with a idiot in a cubicle somewhere in Sioux Falls, SD I went onto my personal bank's website and made the "FULL" payment. He stated that he would would note that a payment was coming via electronic payment from the bank.
So on the Feb 10 I received in the mail the January statement. And when I opened the statement there was the "total bill" just as the collection department caller stated. Then when I looked into the bill statement I noticed they charged me a $25.00 late fee for a bill that is not late. January statement due date was posted for Feb 23.
I am very upset with this company and what appears to be criminal fraud. I have sent a dispute of the charge to the company via fax and certified, return receipt mail demanding that this illegal charge be given back immediately. I have also filed an online complaint with the Federal Trade Commission about this criminal theft.
I will be following up on this with whatever criminal/civil actions allowed in my home state of Wisconsin. I am so angry that first thing Monday morning, I will be also cancelling this credit card on the grounds of fraud on the companies part. I will NEVER do business with this company again. I STRONGLY SUGGEST everyone never do any business with this company.
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