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Complaint Details
Note that complaint text that is displayed might not represent all complaints filed with BBB. See details.
Initial Complaint
11/20/2024
- Complaint Type:
- Billing Issues
- Status:
- Resolved
This company tried to pull the entire balance of my credit card out of my bank account when I authorized them to pull out $500 on November 7th. Luckily, my bank denied this attempt. I called 1st Financial to report the issue and made them aware that this was not what I had authorized. After I made this call they proceeded to attempt to withdraw the entire balance 2 more times even after being told this was not authorized! I have now been charged $90 by my bank due to their error and also $60 by 1st Financial only because the first time I called the representative refunded the charge and told me the balance should be back on the card the next day so that I could make the correct payment! I have checked every day since then and the balance hasn't been put back on the card so that I could make the correct payment. I also tried to call a second time and due to the fraudulent phone call issues they were having I was told I needed to leave my number and they would call me back. This was over 5 days ago and I never received a call! At this point I am now out $150 and have gotten absolutely no help from this company! I just don't understand how a company doesn't even attempt to make contact with someone when this happens!
Business response
12/02/2024
On December 2, 2024 we responded by Priority Mail to the complaint from **** ***** (complainant), Case Number ********, that we received from your office on November 20, 2024.
In order to protect the confidentiality of our customers account and other personal information, we have not provided you a copy of the response we sent to the complainant but indicated in our response that he/she may share the response with you.
If you have any questions, please contact us at **************.
Executive Response CenterInitial Complaint
09/03/2024
- Complaint Type:
- Service or Repair Issues
- Status:
- Resolved
On march 27th,2023 a representative contacted me and guaranteed that 1st financial bank USA would remove collection from credit report if I agreed to pay in a settlement. I paid the amount requested, and they have not fulfilled their end of the bargain.Business response
09/06/2024
On September 6, 2024 we responded by Priority Mail to the complaint from ******************* (complainant), Case Number ********, that we received from your office on September 3, 2024.
In order to protect the confidentiality of our customers account and other personal information, we have not provided you a copy of the response we sent to the complainant but indicated in our response that he/she may share the response with you.
If you have any questions, please contact us at **************.
Executive Response CenterInitial Complaint
03/08/2024
- Complaint Type:
- Billing Issues
- Status:
- Resolved
Greetings, My name is ***************************, and I have had an active account with ************************ bank since 2008. As a long time consumer, I feel discriminated and lied too.As I came home today, and checked my mail I opened a letter from 1st bank stating that my account will no longer be opened. I called 1st bank, and asked the reason behind the made decision. I was informed that because the account was late three times, I was no longer eligible. Any time the account was late, I called, and 1st bank was accommodating, and late fees were made.I then spoke to a manager, and I again expressed that I had an active account since 2008, and to please reconsider me, The manager by the name of *** informed me that my account was late 7 times. Suddenly, my account went from being late three times to seven times.I asked to please provide me the dates, and he couldnt I am asking for a review of my account.Business response
03/18/2024
On March 18, 2024 we responded by Priority Mail to the complaint from *************************** (complainant), Case Number ********, that we received from your office on March 8, 2024.
In order to protect the confidentiality of our customers account and other personal information, we have not provided you a copy of the response we sent to the complainant but indicated in our response that he/she may share the response with you.
If you have any questions, please contact us at **************.
Executive ***************Customer response
03/19/2024
Complaint: 21402701
I am rejecting this response because:As of today I havent been in receipt of the response . On March 12 2024 , I received a call from 1st bank representative named ***** , whom was pleasant during our call .
I expressed my concerns, and I was assured that my case would be further reviewed , and that the reason my account was not deemed for being ineligible was because I made a late payment in February, which flagged the account . Had I not been late that month my account would have never been flagged .
I was also advised that I was not late 7 times within the year 2023 , but late 7 times within the last two years .
I am asking again if my account can be made back eligible, as I have been told a few different things.
Sincerely,
***************************Customer response
03/22/2024
Hi ****,
I am emailing in reference to the above complaint number.
May you please inform the business that I accept their response, and I truly appreciate it.
Please inform them that I received the letter in the mail.
Sincerly,
***************************
Initial Complaint
01/29/2024
- Complaint Type:
- Sales and Advertising Issues
- Status:
- Resolved
Inaccurate credit card billing statements. Fraudulent charges. The end of the statement cycle the statement balance for this current month period due Feb 1 reflects $987.20. Yet when accessing the portal the card balance is $1004. There has not been any new charges to the card from the cycle ending until today 1/26/24 so why is the balance more?Business response
02/02/2024
On February 2, **** we responded by Priority Mail to the complaint from ********************** (complainant), Case Number ********, that we received from your office on January 29, ****.
In order to protect the confidentiality of our customers account and other personal information, we have not provided you a copy of the response we sent to the complainant but indicated in our response that he/she may share the response with you.
If you have any questions, please contact us at **************.
Executive Response CenterInitial Complaint
08/14/2023
- Complaint Type:
- Billing Issues
- Status:
- Resolved
I am disputing late payments on credit report I talked to a representative from the 1st Financial bank USA to dont report my account in ************************************************************************************************* 2022Business response
08/30/2023
On August 30, 2023 we responded by Priority Mail to the complaint from *************************** (complainant), Case Number ********, that we received from your office on August 14, 2023.
In order to protect the confidentiality of our customers account and other personal information, we have not provided you a copy of the response we sent to the complainant but indicated in our response that he/she may share the response with you.
If you have any questions, please contact us at **************.
Executive ***************Initial Complaint
07/28/2023
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
I have never entered into a contract with 1st Financial bank .Upon checking my credit report there is a closed account number ************ opened in October 2015 listing as a charge off. I am not liable for this debt as it is not mine and demand it is removed from all consumer credit reports per FRCA 15 U S C **** this is a direct violation of my rightsBusiness response
08/09/2023
On August 09, 2023 we responded by Priority Mail to the complaint from ******************************* (complainant), Case Number ********, that we received from your office on July 28, 2023.
In order to protect the confidentiality of our customers account and other personal information, we have not provided you a copy of the response we sent to the complainant but indicated in our response that he/she may share the response with you.
If you have any questions, please contact us at **************.
Executive Response CenterCustomer response
08/10/2023
Complaint: 20385465
I am rejecting this response because:Without my consent First Financial Bank has updated their records with my address.This letter I received is asking me to login to an account online , which I have no knowledge of to report the unauthorized charges. The entirety of the account is unauthorized, Ive never entered into a contract with First Financial Bank. I am not liable for this debt as the account is not mine . I demand this account to be removed from all consumer credit reports.
*********************************************************Business response
08/18/2023
On August 18, 2023 we responded by Priority Mail to the complaint from ******************************* (complainant), Case Number ********, that we received from your office on August 10, 2023.
In order to protect the confidentiality of our customers account and other personal information, we have not provided you a copy of the response we sent to the complainant but indicated in our response that he/she may share the response with you.
If you have any questions, please contact us at **************.
Executive Response CenterBusiness response
08/18/2023
Date Sent: 8/18/2023 12:16:41 PM
On August 18, 2023 we responded by Priority Mail to the complaint from ******************************* (complainant), Case Number ********, that we received from your office on August 10, 2023.
In order to protect the confidentiality of our customers account and other personal information, we have not provided you a copy of the response we sent to the complainant but indicated in our response that he/she may share the response with you.
If you have any questions, please contact us at **************.
Executive ***************Business response
08/18/2023
Date Sent: 8/18/2023 12:16:41 PM
On August 18, 2023 we responded by Priority Mail to the complaint from ******************************* (complainant), Case Number ********, that we received from your office on August 10, 2023.
In order to protect the confidentiality of our customers account and other personal information, we have not provided you a copy of the response we sent to the complainant but indicated in our response that he/she may share the response with you.
If you have any questions, please contact us at **************.
Executive ***************Initial Complaint
07/24/2023
- Complaint Type:
- Billing Issues
- Status:
- Resolved
I am not liable for this debt with 1st Financial Bank USA, **** I do not have a contact with the collection agency.Business response
08/03/2023
On August 3, 2023 we responded by Priority Mail to the complaint from *********** (complainant),Case Number ********, that we received from your office on July 25, 2023.
In order to protect the confidentiality of our customers account and other personal information, we have not provided you a copy of the response we sent to the complainant but indicated in our response that he/she may share the response with you.
If you have any questions, please contact us at **************.
Executive ***************Initial Complaint
07/24/2023
- Complaint Type:
- Billing Issues
- Status:
- Resolved
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish.Business response
08/02/2023
On August 2, 2023 we responded by Priority Mail to the complaint from ************************* (complainant), Case Number ********, that we received from your office on July 25, 2023.
In order to protect the confidentiality of our customers account and other personal information, we have not provided you a copy of the response we sent to the complainant but indicated in our response that he/she may share the response with you.
If you have any questions, please contact us at **************.
Executive ***************Initial Complaint
06/23/2023
- Complaint Type:
- Billing Issues
- Status:
- Resolved
COLLECTION AGENCY is violating the Customer Name, they removed it from one bureau and did not removed it from rest of the bureaus. I demand this account to be deleted from my credit report.Business response
07/03/2023
On July 3, 2023 we responded by Priority Mail to the complaint from ********************* (complainant),Case Number ********, that we received from your office on June 23, 2023.
In order to protect the confidentiality of our customers account and other personal information, we have not provided you a copy of the response we sent to the complainant but indicated in our response that he/she may share the response with you.
If you have any questions, please contact us at **************.
Executive ***************Initial Complaint
06/19/2023
- Complaint Type:
- Service or Repair Issues
- Status:
- Resolved
I received a letter from the 1st Financial Bank that they have increased my Credit Limit again, without my permission, saying it is effective immediately, and that it might increase my annual fee.As a customer I feel extorted by this company, because they are saying, accept our new terms or take an unknown hit to your credit score.As a consumer I have no recourse for the following reasons:1) No one can tell me with certainty, neither the 1st Financial nor the credit agencies, what the impact of closing an account, or lowering your credit limit will be, but it is certainly negative.2) 1st Financial has raised my credit limit to the point (greater than 17 thousand), that any closer of the account would certainly be highly impactful 3) The letter does not indicate that you can request the increases to stop, or that you can have this reversed Due to the fact that these credit increases have been so large, I am now in a position where a company can extort me for an annual fee, because I have no recourse to know with certainty the impact of ending business with them. I have requested they stop my annual fee but they have refused. I would like to solutions:1) My annual fee should be waived, as I as a consumer am being extorted otherwise.2) Any letters about credit line increases should not be immediate but should allow customers time to respond to the letter, and include an option for stopping the increase.Business response
07/03/2023
On July 3, 2023 we responded by Priority Mail to the complaint from *********************** (complainant),Case Number ********, that we received from your office on June 19, 2023.
In order to protect the confidentiality of our customers account and other personal information, we have not provided you a copy of the response we sent to the complainant but indicated in our response that he/she may share the response with you.
If you have any questions, please contact us at **************.
Executive ***************
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Get a QuoteCustomer Complaints Summary
26 total complaints in the last 3 years.
3 complaints closed in the last 12 months.
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