I opened my card with First Premier from an attractive e-mail stating no sign-up fees no membership fees. This was done in 1999. I made a purchase on the card for $100.00 and received my first bill for $259.18 my minimum payment was $250.00 I continued to read the statement and it said $25.00 processing fee $25.00 membership fee and $100.00 initial sign-up fee. I called the card company to dispute this and they said in order to cancel the card I would need to make the minimum payment in full. I sent a check marked final payment for $100.00 and they sent it back.
I heard nothing from them for 3 months. I then received a notice from their collections company Arrow Financial, stating I owed $685.34. They would however settle my account for $398.64 the original after interest. I wrote back stating I wanted no futher communications from them as I would take care of this matter with First Premier directly. I called First Premier and told them to take me to court if they wanted my money. They said it was not worth their time.
I heard nothing from either company till 2005. Arrow Financial sent another letter stating that I had an account with them in the amount of $685.34. I called them and asked what this was about and they said I opened a credit card with them and I owed $685.34. I said take me to court or leave me alone and remove their files from my credit report. I did not get a summons to court nor did I receive another bill. I did however get tired of this and filed suit against them. I won my case yet it continued
Now it's I now receive a bill from NCC stating I owe Premier Bankcard INC (aka First Premier) $657.29. I called them and inquired the following infomation from them.
Date of Issue (for card): June 18 (Arrow: June 15)
Credit Line: $350.00 (original $250.00) (Arrow: $300.00)
Date of Cancellation: June 15 (Arrow: June 18)
Date Received by NCC: March 15 (Arrow: June 18)
Date on the bill from NCC: March 11
I wonder why there are so many errors in this. Well lets take this into account. I had my credit report pulled in 2001 Arrow was on it and I disputed it and it was modified with the new date same happen in 2005 and 2008. Coincidence? I think not. They did this to keep the file and account alive on my credit report. I'm now going to the state's attorney.
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