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First Premier Bank

Date: Tue, 06/20/2006 - 07:48

Submitted by kbluvscats
on Tue, 06/20/2006 - 07:48

Posts: 42 Credits: [Donate]

Total Replies: 2


Earlier this year, approximately in February of 2006, I thought I paid one of my First Premier credit cards off. When I paid that last time, the lady said that the account would be paid in full. Well, a couple of months after that I received a phone call saying that I owed $50 something dollars on this very same account. I told her that the account had been paid in full and she told me that when I had paid that amount in February I had left a $2-3 amount on the card. From the time this happened until they called me wanting the $50 something dollars I received no mail or calls regarding this small amount. I just assumed it was closed because they told me it was closed.

Since then I have been arguing with FP about this issue but haven't gotten anywhere until today. I just opened up my statement from FP and they refunded all the fees that were placed on my account. There is a zero balance now.

My question is, why the sudden change of heart? They have been adament that I pay this and I was prepared to go ahead and pay it this week but since receiving this statement I guess I don't have to pay afterall. The total amount would be $75 or something close to it.

Should I take the word of the statement that this has been resolved?


I would call them - and get in writing that the account is paid off and in full. Is this a card you want to keep open? If you don't plan on using it and there is a fee to keep it open, I'd work on closing it so they don't sneak any other "unpaid" fees into it. I had an uncle that was sued 10 years after paying off a card because of some yearly fees that went unbilled. I know people recommend keeping cards open for credit score sake, but if you aren't going to use it and it could cause a headache in the future, I'd close it.


lrhall41

Submitted by Ehwin on Tue, 06/20/2006 - 08:32

( Posts: 139 | Credits: )


Kbluvscats, Ehwin has given you a very useful advice. Get in writing from the credit card company that you owe them nothing. Although, this statement is a valuable proof in itself but you should prefer to have it in writing also. The company must not have problems in putting it on pen to paper.

Maybe, First Premier might have mistaken you while looking for someone else. Your name possibly matched with some one else in their list. When they verified the information, their mistake was realized. Check your credit report if the company has hit any negative entry in it.


lrhall41

Submitted by GunsNroses on Tue, 06/20/2006 - 09:58

( Posts: 485 | Credits: )