March 2010 With zero balance the account was closed Over paida total of$146.00 for the fraud charges and we was waiting that a refund of those fraudulant charges to be returnedto us after the investigation was completed.

April First Premeir reopened the card and instead of refunding the $146 we over paid for the fraudulant chargesFirst Premieradded those charges back to our account and deducted another $146 from our account. Those we paid twice now for the same fraudulant charges to the account.

May we get a statement that our account is paid in full and we only owe $7.00 for the monthy fees.I called and let them know that we closed the account and paid it full back in March of 2010 and was waiting for refund of the additional payment that was taken by First Premier.

June statement comes with a Zero Balance and new charges of - Yes you quessed it "The$146 for those fraud charges are back on the statement for the 3rd time".

July 2010First Premeir reports to the credit agency a 30 day late with a total amount due of $178.00 we called first premier to explain that the card had been closed an we was waiting for a refund! The First Premier Rep Personally told me THAT HE WOULD PERSONALLY SEE TO IT THAT MY CREDIT WOULD BE DESTROYED when the keep reporting it and then finally Charge it off as a bad debit

August 2010First Premeir reports to the credit agency a 60 day late with a total amount due of $178.00 we called first premier to explain that the card had been closed an we was waiting for a refund! Same story different Rep told me THAT HE WOULD PERSONALLY SEE TO IT THAT MY CREDIT WOULD BE DESTROYED when the keep reporting it and then finally Charge it off as a bad debit

September 2010 First Premeir reports to the credit agency a 90 day late with a total amount due of $225.00 we called first premier to explain that the card had been closed an we was waiting for a refund! The First Premier Rep Personally told me THAT THE ACCOUNT IS NOW CLOSED AND TURNED OVER TO COLLECTIONS.

Oct 2010 First Premeir reports to the credit agency Charge Off. I despuit the charges with the 3 reporting agency with no luck! First Premier says tha I am repsonsible for the charges

PLEASE SOMEONE HELP ME.. With First Premier Charging this Off as a bad debit instead of building my credit its being reduced and now I am being denied jobs offers and other credit opportunities.