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1st Financial Bank USA

United States

Consumer complaints and reviews about 1st Financial Bank USA

User928845 Send email
Apr 8, 2012

Abusive, uncaring, rude

I was late and emailed them the reasons why. I told them i would make a payment about a week late as it was when i would get my check. They called my house and cell like 10x a day. Then i called them up and the online payment prevents from making payments within 10 days of previous payments, once again i was late. So i signed up for Auto MINIMUM Payments, as i plan to pay it off with a settlement payout, my minimum was 69 that month, i charged my account for gas since i had no money, so my minimum went to 70 dollars, but they took out $69 ONLY!! i was pissed and the guy said my account is delinquent for $1. i told him what was the point of autopayments? he said i signed up for 69 per month. i know i said to charge my account EACH MONTH for the minimum due.
i guess its my fault they didnt charge the one dollar more? BS! don't do business with them. I always end up having a huge debate with them when they call. and yes their APR is over the roof. My american Express is barely at 10.3% while they charge me 29.99% they say its my credit score, but honestly my credit is only single digits away from 700.
Dennis25 Send email
Feb 23, 2012

Abusive, uncaring, rude

I agree.I am late and the next day they are calling nonstop . I understand it is my fault I'm paying late but they could go about things in a different manner. I was late on a payment and hadn't had the money to pay for it yet when I recieved a letter saying my credit card account was going to be closed because as they claim " the account went into review while your account was past due, and we do not renew cards when the account is reviewed and the account is past due" I think it is rediculous. I payed my past due plus. And stated I was going to make the full payment of my $750 balance the next month because I did not want to lose the account due to the fact that it was my oldest credit card account. They did not care. I have had the card for more than 5 years. They do not care about the customers or their reputation. Do ot for what ever reason get a credit card with this bank. I have a CapitalOne credit card as well and I have never had any problems with them. I HATE this bank...
Huladuckie Send email
Feb 23, 2012

Abusive, uncaring, rude

I have called 16 times to get my due date changed and every time get a call this day call this time oh we cant do it oh Ur not eligible. Well i have had the credit card for 8 years now. I recently got married and moved so i don't have a job so living off of my husbands salary so we do everything thru bill pay on his account and they call literally the day after yoUr payment is late and they insist you pay when they call well obviously i don't the one month i was proactive and called and set up a post dated check its comes out the day i call and overdrafts oUr account and they tell me that's my fault that they dated it wrong. Cant wait to get tax retUrn to be done with this account . Hate dealing with these rude, unknowledgeable agents who don't care about anybody.
Skyscrapper Send email
Feb 23, 2012

Abusive, uncaring, rude

This credit card company does nothing but harass. They have ABSOLUTELY ZERO consideration for college students. As soon as I finish paying off my credit card balance, i'm closing the account. Not to mention their ridiculous late fees. Avoid them at all costs. It will save you a lot of time and trouble.
Din Send email
Feb 23, 2012

Abusive, uncaring, rude

I have been a customer with 1st Financial Bank for over 6 years now, no problems. I always hated that they charged me to pay my bill, but it is what it is. In the last year or so, I started having trouble making my payments. I was RESPONSIBLE -- I called them, I set up payment plans, ect. Whenever I went over my limit, it was because of their huge intrest fee! But I always paid, period.

This year, I got a notice in the mail stating that I qualified for thier program where they lower your interest rate to 0%, and payments are drafted automatically and at the end of the program, they give you a $250 credit. I signed up, and was quite satisfied as it brought everything up to good standing, I didn't have to worry about them not picking up the payment, and so on.

My card expires in February, and today I got a letter stating that they would not be re-issuing my card, and if I wanted to know the reason I had to call them. So of course, I call. The first two people I spoke to were lovely, apologetic, and honestly seemed to want to help me and get this straightened out. Then, I got a woman named PariAnna or something of the sort, who completely chewed me out, and made me feel so ashamed I just cried and cried when I got off the phone. She informed me that I was ineligable due to the program I had entered, as it puts a "hold" on your account, and thus they cannot reissue the card and the account will be closed, no ifs ands or buts. I told her that no one informed me of this when I signed up for the program! I was told how wonderful this program was going to be, how much money it would save me, but never that it would result in me loosing my account. The woman snapped back "it doesn't matter! We have to have some kind of standards here, " and went on to say how many times I had paid late, and how many times I had been over the limit (in 6 years, mind you, almost everyone makes a late payment here and there, LIFE HAPPENS!). Any time I was late, I communicated with them. I always paid. Any time I went over the limit, it was because of their interest fees, not because I was out there racking up my card. She said nothing I could do would ever make me eligible for their card, and she said "OK?" which of couse I said "Um, no not really, I've been a customer for 6 years and I've always been responsible, and now you're just taking it away." She then repeated about having standards (18 year olds who don't know better and have no credit and no jobs seem to be their standards), and said goodbye. She treated me like a dog, she didn't care I had made arrangements, she didn't care I had tried, she just said I wasn't good enough to have their card.

I'm pondering if it has something to do with me not using my card, like at all for the last year. I've been trying to be responsible and pay down my debt, and I can't believe they're just going to throw me away as a customer after I did what I was supposed to do.

Furthermore, the woman was so brash, she was just so rude, and rather abusive in her tone and speech to me. There's no need for that-- I was calm, I never said anything like she dared to say to me. There was no need to treat me like she did, and now here I am feeling ashamed and embarrassed.

Needless to say, consumer beware! Yes, they're a great credit card when you're starting out, they're my one and only credit card I've ever had, and up until this point I was very satisified with them, even with their silly fees and astronomical rate hikes. I thought it was so wonderful and a godsend when I was offered this program, and I was just flat out wrong.

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