1st Financial Bank USA, N Sioux City, SD - 2 late payments - harassing phone calls

1st Financial Bank USA, N Sioux City, SD - 2 late payments - harassing phone calls

1st Financial Bank USA in SD--stop with the harrassing phone calls!

To whom it may concern, I am IRATE over recent incidents regarding 1st Financial Bank USA in N Sioux City SD. This is regarding 2 late payments that I have made with the bank. The first incident occured last month, a lady called me, asked for me on a first name basis which I thought was unprofessional (I don't know them personally) and when I got on the phone, she proceeded to ask me about making a payment over the phone using my check. I told her I would rather send it.

She gave me a date that it was due in their office and I was fine with it. I could even send it Express or overnight in the mail. She then kept going with wanting to do it over the phone, asked for the appropriate

info. I said "No I don't have it handy at the time." After talking with her for some time about my financial situation and billing address issues, she got someone else on the phone who was even more boorish. I became agitated through it all and she threatened "Felicia, if you hang up.." Who do these people think they are? I did make the payment by the way and it made it to their offices. I didn't hear from them again until I had another payment due which brings me to this month's issues. The following occured during this week, Jan 24th to present. I was contacted by a lady who asked if I would do the check over the phone. Of course I said no and she gave me a date to send it. Well since I've talked to her, I've received 3 phone calls from people asking the same question and that my payment is due!! And they ask the same question of doing a check by phone. I tell them that I was given a date to send my payment by. They act like doing a check by phone is the ONLY option I have!! I told the person who called the second time that I would have thought that the lady I talked to the first time would have indicated in the computer that I would be sending a payment by mail.

Someone called me a third time and this time I told the young man to stop calling and harrassing me, that I have already talked to 2 other people about my situation and that I am mailing my bill. He asked me

"When did you put it in the mail?" It doesn't matter just as long as they get it. It will get there by the 30th!! I told him that 1st Financial Bank must not value their customers because they would not harass their customers in such a way. I politely told him do not call me again, the payment is coming and hung up. Well to my suprise, I get another phone call again today Jan. 29th!!! SAME QUESTION!!

They asked AGAIN when did I mail it!! And told him they will get it by the 30th. I also received a letter in the mail about this. This is harrassment, plain and simple!! Needless to say, I am cancelling my account with them. I want 1st Financial to know they need to change the way they deal with their customers in regards to late payments.

This is rediculous! I would NOT recommend anyone do business with this company. Not only are they unprofessional, but their interest rates are sky high. The phone number where they can be reached is 1-800-488-4575. 1st Financial Bank only need inform me that I need to make a payment only ONCE, confirm how I would pay, and leave it at that. I do not want and SHOULD NOT receive 3 or 4 phone calls regarding the same subject! Felicia B

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I have had my 1st Financial Bank card for almost 10 years now, and it has been closed for about 5, but I am still stuck paying on it because the interest rate is sky high (mistakes of being an 18 yr old with a credit card). I owe around $3400 on it and my balance has only dropped about $300 or so in the years I have been paying on it, but I have not had the finances to pay more than the $80 minimum payment every month. Recently my husband was in the hospital and out of work for 3 weeks. He had been in a car accident, which totaled our vehicle, so I missed my payment. They called his grandmother's house looking for me 14 times yesterday, and called my cell phone number at least 6 times. This is complete and utter harassment!!! If they need to talk to me that badly, they can leave a message!!! Yet, they never do, they just keep calling over and over and over again. I made the payment this morning through the automated system because I didn't want to have to speak to some rude person. Hopefully this will stop the harassing phone calls! I hate this bank.

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i agree with you, i was late one time and they got a hold of my best friends parents.. .some how and were harassing them about me... how embarrassing.

needless to say, they got their payment, it was just a day late.

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I am also VERY annoyed with First Financial Bank of USA. I track all of my credit cards online constantly to make sure all transactions are going through for the correct amounts, from the right places, etc... I had an unauthorized charge on my account so I called the number and they said it was fraud. after waiting 3 months without hearing from anybody, being locked out of my online banking account, and the $140 charge still on my account I called them back. The woman then said that I needed to fill out an affidavit (I think that's how it was spelled) and fax it back. I did this and than waited another month. The charge was taken off, but so was a credit I had received from a different transaction. I contacted her again only to find out that she tranferred it to disputes. I called disputes and they had no record of me. The next day I received a phone call saying the case is now closed and they have credited my account accordingly (which they had). The reasoning they gave me was "Because it took so long and you've gone back forth we're just going to credit you the $140.00". So somebody just walked away with their $140.00.. But that's not even the reason why I am sO pissed. My account is still going to be in "Fraud" status for the next 90 - 120 days even though the case is closed and was transferred to disputes. Meaning, I cannot log into my online account until then. I've spoke to ignorant customer service reps and NUMEROUS supervisors who tell me there is nothing I can do, but wait and NONe of them can explain to me why they can't change it. I finally spoke to a supervisors supervisor today and she told me it's something to do with the system when they first put it in that was the deal and nobody at all not even the owner can change it. It all has to do with programming. So whether or not this is true it's all BS! I hate First Financial and am in the process of trying to get a loan so I can pay these b*tches off and stop making them money! Horrible customer service who are not properly trained for their jobs.