First National Credit Card Phone Harassment?

Your phone shows the same 605 or 888 number again, and you already know it is First National Credit Card calling about the Legacy Visa account you opened to rebuild your credit. Maybe the card got frozen after a $6.25 monthly fee you never agreed to. Maybe you canceled the card by mail, by fax, and by phone, and the calls and texts kept coming anyway. Either way, you are not the only person searching for answers about First National Credit Card phone harassment tonight.

Consumer Rights Law Firm PLLC has been stopping creditor and debt collector harassment since 2010. A+ BBB rated. Call (877) 700-5790 or visit our free case review page for a free case review. You pay nothing. If First National Credit Card or a collector working its accounts broke the law, they pay our fees, not you.

Who Is First National Credit Card?

First National Bank is a small, family-connected national bank chartered in 1934 and based in Pierre and Fort Pierre, South Dakota, with its credit card servicing center located in Sioux Falls. Under the Legacy Visa and Royal Legacy Visa brands, it markets a subprime, credit-building Visa card to consumers with FICO scores as low as 400, according to card comparison site BadCredit.org. That is a very different profile than a national mega-issuer like Synchrony or Comenity, and it shapes almost everything about how this company communicates with its cardholders.

Are the Calls From First National Credit Card Legal?

First National Credit Card, as the original creditor on your Legacy Visa account, generally has the legal right to call you about a past-due balance. Whether a specific pattern of calls or contact crosses into illegal territory depends on the technology used, whether you asked the contact to stop, and whether a third-party collector has taken over the account.

Here is where the record gets interesting for a bank this size. Unlike the billion-account issuers that dominate this space, First National Credit Card’s own BBB complaint file over the past three years is dominated by billing and fee disputes, not volume-calling complaints. Out of 57 total complaints, 55 are logged as billing issues. That does not mean the calls are automatically lawful. It means the specific violations to watch for with this creditor look different than with a mass-market card issuer.

Calls or contact from First National Credit Card may cross a legal line when:

• You revoked consent for automated calls or texts and the contact continued anyway
• A representative calls you at work after being told not to
• The company contacts you about a debt tied to identity theft you already reported
• A third-party collector working a charged-off Legacy Visa balance calls before 8:00 a.m., after 9:00 p.m., or after you sent a written cease-and-desist
• The company continues billing, texting, or mailing statements on an account you canceled in writing

In our practice, the TCPA governs calls and texts placed directly by First National Bank, since it is the original creditor on Legacy Visa accounts. The FDCPA generally does not reach the bank’s own collection of its own debt, but it applies in full once an account charges off and moves to a third-party collector.

Why Is First National Credit Card Calling You?

First National Credit Card and its Legacy Visa and Royal Legacy Visa brands are subprime, credit-building products. Most calls trace back to one of a handful of scenarios documented in the company’s own BBB complaint responses.

Common reasons cardholders report being contacted include a past-due balance after a new $6.25 monthly fee was added on top of the existing $75 annual fee, a late payment caused by a failed autopay enrollment, a charge-off referred to a collection agency such as Sequium Asset Solutions, or outreach tied to a fraud or identity-theft claim on the account. One BBB complaint from March 2025 describes a cardholder who reported their card stolen during an identity-theft incident and received calls from First National Bank on March 6, March 10, and again on March 20, eight days after the company had already closed the account without telling them.

A separate pattern shows up repeatedly in the complaint file: cardholders who mail back a cut-up card, fax a cancellation notice, and call to close the account, only to keep receiving statements, emails, and past-due texts for weeks afterward. One BBB complaint filed in February 2025 describes exactly this sequence, with the consumer cutting up and mailing back the card in January, then receiving a text notice about a payment due, then a mailed statement, then an email marking the account past due, all after requesting cancellation multiple times in writing.

Is First National Credit Card a Scam or a Legitimate Company?

First National Credit Card is a legitimate, FDIC-insured bank product, not a scam operation. First National Bank carries FDIC Certificate 14712, has been BBB accredited since 2003, and holds an A+ BBB rating.

That said, an A+ rating and legitimate charter do not mean every practice is problem-free. Consumer review site PissedConsumer shows an average rating of 1.8 out of 5 stars across 34 rated reviews for the First National Visa Credit Card, with recurring complaints about surprise fees, difficulty reaching customer service, and disputes over fraud charges. Our attorneys evaluate calls and account practices independent of a company’s BBB rating, because rating and complaint volume measure different things than whether a specific call or collection practice broke the law.

What Consumers Are Actually Reporting to the BBB

Source: Better Business Bureau

The Better Business Bureau profile for First National Credit Card, listed under its Sioux Falls address, shows 57 total complaints in the last three years and 12 closed in the last 12 months. Here are three complaints pulled directly from the live BBB complaints page, in consumers’ own words.

Complaint 1: Identity theft calls continued after the account was already closed (March 2025). A cardholder reported their identity was stolen and their card was gone, then received calls from First National Bank on March 6, March 10, and March 20 regarding the account. The bank had closed the account on March 12 without notifying the cardholder, meaning the March 20 call came more than a week after the account was already shut down internally. The consumer argued this reflected, in their words, “gross negligence and incompetence” in the bank’s record-keeping around an active fraud claim.

Complaint 2: Cardholder billed twice for the same annual fee through a new monthly charge (June 2025). A longtime cardholder discovered a $6.25 monthly charge added to their account starting in September 2024, on top of the existing $75 annual fee, and calculated that $6.25 times 12 months equals exactly $75, meaning they were effectively being billed for the annual fee twice. First National Bank responded that a notice letter had been mailed in June 2024 disclosing the new monthly fee, credited one annual fee as a one-time courtesy, but declined to remove the ongoing monthly charge.

Complaint 3: Repeated cancellation requests ignored while fees and contact continued (February 2025). A consumer who decided the approved credit line did not meet their needs cut up the new card and mailed a written cancellation notice on January 8, 2025. After receiving a text about a payment due on January 28, they faxed a second cancellation request, then mailed a third after a statement arrived, and still received an email stating the account was past due. First National Bank’s response confirmed the account was not closed until the consumer called on February 14, over five weeks after the first written cancellation request.

In our practice, this last pattern, a cardholder repeatedly documenting a cancellation request in writing while billing and contact continue, is exactly the kind of fact pattern that turns into a real TCPA or state-law claim once we can pin down the exact dates and the exact channel of each contact.

Consumer Reviews Across Platforms

First National Credit Card’s footprint on major consumer review sites is smaller than a national issuer’s, which is itself notable: this is a regional subprime card program, not a mass-market product, and its complaint patterns reflect that scale.

Source: PissedConsumer

On PissedConsumer, the First National Visa Credit Card page shows a 1.8 out of 5 rating from 34 rated reviews. One reviewer wrote in November 2024:

“I’ve had this credit card for 9 years now out of the blue thay have added a monthly service charge of $6.55 and it already has a $75.00 annual fee!!!”

Another reviewer wrote in August 2024 after nine years as a customer in good standing:

“I have had a Legacy credit card in very good standing for more than 9 years. I’ve been paying $75.00 a year for an ‘Annual Fee’ and have just now received a notice that an additional $75.00 will be charged for ‘Maintenance.’ I keep a zero-dollar balance and receive paperless statements. I spoke with customer service to no avail. I’ve canceled my card.”

A reviewer in January 2023 described a fraud dispute over unused charges:

“I have been billed for this card despite never using it. Additionally, I have TRIED to use it on several websites for paying a small bill, or a purchase but ALL WEBSITES are declining this card.” The reviewer reported a $90 loss and said they were filing directly with the FTC.

On the BBB’s own customer review section for this listing, one reviewer wrote that First National raised their credit limit and then, in their words, hit them with “an accrued interest of $307 for the whole amount,” adding the company “doesn’t deserve any stars.” Another BBB reviewer described the company as a “scam artist” over a returned-check charge applied even after the funds had posted to the account.

We frequently see this exact combination in cards like Legacy Visa: a low starting credit line marketed as a credit-building tool, paired with layered annual and monthly fees that catch long-term, previously satisfied customers off guard years into the relationship.

Federal Court Records: What They Show and Do Not Show

Calling and Contact Patterns Cardholders Report

Based on BBB complaint records, consumers commonly report the following contact patterns:

• Phone calls continuing after a written request to stop contact.
• Persistent contact through multiple channels, including phone calls, text messages, emails, and mailed statements.
• Calls continuing after an account was internally closed but the customer was not notified.
• Billing texts and emails continuing for weeks after mailed and faxed cancellation requests.
• Collection calls from third-party agencies after an account charged off.
• Repeated contact regarding fraud or identity-theft claims without resolving the issue.
• Representatives stating they cannot provide account access or assistance over the phone, resulting in prolonged communication.

Our attorneys evaluate the exact channel, date, and content of each contact, because a text sent after a TCPA revocation is treated differently than a live customer service call, and a collection call from Sequium is treated differently than a call from First National Bank directly.

Your Legal Rights When First National Credit Card Is Calling

• Telephone Consumer Protection Act (TCPA): Applies to First National Bank directly as the original creditor. It restricts automated and prerecorded calls and texts to your cell phone without consent, and you may revoke that consent in writing at any time. Violations can carry $500 to $1,500 in statutory damages per illegal call or text.
• Fair Debt Collection Practices Act (FDCPA): Generally does not apply to First National Bank collecting its own Legacy Visa debt, but applies fully to third-party agencies such as Sequium Asset Solutions once your account is placed with them for collection.
• Fair Credit Reporting Act (FCRA): Protects you from inaccurate reporting, including accounts reported past due after you never activated the card or after a fraud claim was still pending. Furnishers must investigate disputes within 30 days.
• South Dakota consumer protection law: South Dakota’s Deceptive Trade Practices and Consumer Protection Law (SDCL Chapter 37-24) provides additional state-law remedies for unfair or deceptive acts by businesses operating in the state, which can apply alongside federal claims depending on where you live and where the conduct occurred.
• Fee-shifting: If First National Credit Card or a collector working its accounts violated federal law, they, not you, pay our attorney fees.

First National Credit Card Calling and Billing Violations

What To Do Next: 5 Steps to Stop First National Credit Card Contact

Step 1: Build a call and contact log today. Write down the date, time, and number for every call, and save every text, email, and mailed statement. The identity-theft complaint above only became credible because the consumer could point to three specific call dates. Your log is the foundation of any TCPA or FDCPA claim.

Step 2: Put your cancellation or consent revocation in writing, and keep proof. If you want the account closed, send a letter by certified mail to First National Credit Card at 1500 S Highline Ave, Sioux Falls, SD 57110, stating clearly that you are canceling the account and revoking any consent to be contacted by autodialer, text, or prerecorded message on your cell phone. Keep the certified mail receipt. The BBB record shows verbal cancellation requests and even faxed notices have been ignored for weeks.

Step 3: Confirm who is actually calling you. If the call is from First National Bank directly, TCPA rules apply. If a representative identifies a different company, such as Sequium Asset Solutions, or if a letter shows a charge-off referral, the FDCPA fully applies, including your right to demand debt validation within 30 days of first contact.

Step 4: Send a debt validation or cease-and-desist letter to any third-party collector. Once a collector confirms receipt of a written cease-and-desist under FDCPA §805(c), they may only contact you to confirm they are stopping or to notify you of specific legal action. Send it by certified mail and keep the receipt.

Step 5: File complaints and call a consumer attorney. File with the CFPB, the FTC, and, since First National Bank is a national bank, the Office of the Comptroller of the Currency. Call Consumer Rights Law Firm PLLC at (877) 700-5790 for a free case review. If First National Credit Card or a collector pursuing a Legacy Visa balance violated federal law, fee-shifting means you pay nothing.

CONSUMER RIGHTS LAW FIRM PLLC

Consumer Rights Law Firm PLLC is a law firm that specializes in helping clients who are facing harassment from debt collectors in any form, including telephone communication. Rather than suffer alone, contact a legal professional to stop the First National Credit Card phone harassment. You can also write to us or send mail to discuss your situation and get help.

If you are interested in learning more about how to safeguard yourself and prevent even more First National Credit Card Phone Harassment, call us at (877)700-5790 for immediate assistance or visit our website. You may also consider reaching out to credit counselors for advice on managing your debt and understanding your rights.

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