I am so glad i found this site. I just wanted to let everyone out there know that practices of this sort should be legally brought to justice.
I myself have had a similar issue with first premier bank..
It seems that every time i attempt to pay my balance in full they notify me the in the next bill cycle that my payment was declined due to nsf.
This has happened to me twice in the past year and each time was an attempt to pay off my balance.
Luckily, from my first encounter with an nsf from first premier bankcard, i learned to keep a close relationship with my personal bank representative. The issue occured when i asked first premier to provide me with the dates that my payments were submitted and returned to them, then i contacted my bank rep and had him verify that the payments were declined.
My bank representative provided me with banks records of transactions that had been submitted, and first premier had not submitted any draft to my acco0unt for the alleged nsf they received.
When i tried again to speak with a supervisor at first premier he advised me to have my bank provied them with documentation showning that *a draft had not been submitted for the payment i arranged with them..
Now if anyone knows about banking records (as told to me by my bank rep), there is no possible way to provide documentation of somehthing that has not been submitted to your account. They have the record, but of course, can only provide the info that is on your monthly statment.
This all boils down to 2 1/2 hours on the phone leading to a conference call between myself/my bank/and first premier card services. On the first occasion the supervisor told my that this simply "happens sometimes", but i had to threaten contacting the bbb before the supervisor would fully credit me for most of the late and overlimit fees that i was chrgd for...
I am now trying to get info on starting a class action lawsuit against this company, because if this simply "happens sometimes", then there are a lot more people out there that my not have pursued this issue far enough. If any one is interested or has more info i will be filing my own usacomplaints.com soon, and if your have more specific info on filing a class action suit against this absurdity please contact me..
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