First Premier Bank
Terriosts hold credit history for hostage

Approximately three weeks ago I applied for a card with this orgainization, the adveristment read that there were no annual fees and to apply now. I applied, I recieved the card with a limit of $250 and did use it until 01/24/02 charging $49.12 unaware of their absorbent memebership fees. Returning home on 1/24/02 I received a billing with all fees for $178.00. I called the customer service department and was not able to make contact with an employee only with their computerize system. After a great deal of time, I finally found a telephone number with a human being on line. I explained my problem to them, brought to their attention that I had been charged fees that I had not been adquateley imformed about as a consumer. The basic response was that it was in their disclosure and I was legally bound to pay the fees. I informed them that I will be returning the product I had purchased on 1/25/02 for a credit, and wanted the credit card cancelled and refused to pay any fees to them. They informed me that if I did not pay the fees that they would file a negative credit report further damanaging my credit history. I only have one credit card with a very small limit, it is the first since 1991 the Premier Card would be my second. I have recently purchased a home in the last 12 months, the last thing I need to have happen is a problem such as this. I fully intend tomorrow 1/25/02 to return the product for a credit, I do not know if they will allow the credit to pass we shall see!

Michael
Phoenix, Arizona

Company: First Premier Bank
Country: USA
State: South Dakota
City: Sioux Falls
Address: PO. Box 5147
Phone: 18009875521

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