Premier Financial Credit Union 2017 Main Street New Holstein, WI 53061

Premier Financial Credit Union 530 Fremont Street Kiel, WI 53042

Premier Financial Credit Union 50 East Chestnut Street Chilton, WI 53014

Premier Financial Credit Union

Premier Financial Credit Union Sucks

Has Premier Financial Credit Union Pulled Your Credit Report And Viewed Illegally?

This a website about Premier Financial Credit Union and is published to document and show only truth and factual information relating to the Federal Court case between
Bates vs. Premier Financial Credit Union in Milwaukee Wisconsin

Official Premier Financial Credit Union Sucks launch date of this site is 05/13/17

This website has no association with Premier Financial Credit Union as a business it's only
purpose to to inform you of a act that occurred between Premier Financial Credit Union and Bates the two parties in the lawsuit.

Are you a member of Premier Financial Credit Union?

Has your rights and privacy been violated by Premier Financial Credit Union?

Has a Premier Financial Credit Union employee pulled your credit report with out your knowledge?
What violation has Premier Financial Credit Union committed? Is it accidentally pulling

Jill Bates's credit report, violation of privacy, violation of Fair Credit Act, identity theft,
loan fraud or bank fraud?
Join our Facebook and support our position against Premier Financial Credit Union during the Federal Lawsuit between

Bates vs. Premier Financial Credit Union

Premier Financial Credit Union 2017 Main Street New Holstein, WI 53061

Premier Financial Credit Union 530 Fremont Street Kiel, WI 53042

Premier Financial Credit Union 50 East Chestnut Street Chilton, WI 53014

(920) 898-4232

Premier Financial Credit Union

https://www.yourpfcu.com

https://www.facebook.com/PremierFinancialCreditUnion/

Premier Financial Credit Union has been open since 1962. The credit union has assets totaling $87.25 Million and provides banking services to more than 9,000 members.
This page about Premier Financial Credit Union is to document and inform the public and its

members of Premier Financial Credit Union's poor business like and possible fraudulent acts

of the Credit Union and its employees.

Jill Bates's Story:

March 2017
In 2004 my husband at the time and I decided to build a house.  With the help of my step dad and CEO/President of a bank (Premier Financial Credit Union) in my hometown, we got our loan. 
Everything was going well, and as banks do sometimes, our loan was sold to a different bank in 2008. 
By 2010, our personal lives changed, my husband and I split and in February of 2011 the house was up for sale.  We were lucky enough to have the offer we were looking for in April of 2011 and closed in July 2011.
With that closing, the mortgage was paid off and we both walked away with a profit. With the divorce, I moved into an apartment and my ex, again with the help of my step dad Steve Nothem, CEO and President
of Premier Financial Credit Union, bought a home.  That home did not come easy; prior to obtaining that loan, it was told to me that it would look better on his application if child support was not listed.  Since we
were on fairly good terms, I agreed to a set amount child support privately vs through the court system so he could get his loan. After that, things deteriorated between my ex and I, we no longer saw eye to eye and
eventually he was taken back to court for appointed child support.  Around this time, the relationship with my mother and step father dissolved because they felt as though my ex needed their support more than I did.
I came to terms with that decision, and my ex and my "parents" continued and continue to this day to have a close relationship.
.
Four years go by, it is 2015,  my ex is in a long term relationship and I get remarried to a wonderful man; all seems well.
.
This brings us to the present.  One day at work, in early March 2017, I decide to take a closer look at my credit score; No reason in particular, it was just a slow time and I wanted to read what goes into a score.
I notice this box labeled "hard inquiries" with a (1) after it.  Not knowing what this was, I opened it.  Imagine my surprise when I see Premier Financial Credit Union's name!  I immediately contacted my husband who
informed me that pulling someone's credit without their permission is illegal.  Since my step dad has ill feelings towards me and is very supportive of my ex, I find the action to be very suspicious and contact an attorney. 
.
As we talk, trying to figure out why someone would want to pull my credit, we start remembering some things that have happened over the years that seemed very odd to us at the time, but we couldn't figure out why.
In 2012, so for the tax year of 2011, when the divorce was final and we both went our separate ways, my State check went to my ex's home instead of mine.  Since my name has never been associated with that address,
we could not figure out how that mistake could have happened.  I contacted the IRS and they didn't want to look into it and simply agreed to change the records.  What was also odd, my ex did not give the check to
me either directly or when I came pick up our children, he instead sent it back to the State, perhaps in hopes they would change the address??? Not sure. 
.
Also since this discovery of an illegal pull, I have requested my full credit reports from all 3 bureaus, Experian, Transunion and Equifax.  Two of the three show my address at one time to be the home my ex purchased
in 2011.  Per my attorney, this could be a simple mix up, or false reporting. 
.
As you can see in the PDF provided, Premier Financial Credit Union, seems to think we have a relationship.  They admit I have no debt owed to them, nor have I applied for any kind of financing through them since 2004,
so explain to me how we have a relationship.  You sold my mortgage that I did have with you in 2008 and that mortgage was pain in full in 2011, therefore, there should be NO relationship. 
.
Based on Premier Financial Credit Union's Facebook page, they have an annual shred party in which old records are destroyed, wouldn't my old records be included in that?  They have also changed servers since 2011,
would an old, paid off mortgage that was no longer yours really be transferred into your current records? 
.
Again, based on Premier Financial Credit Union's response provided, they vividly recall pulling by credit in 2015.  Why would you remember something so vividly if there was no wrong doing?  Why wouldn't a representative
call me informing me that my credit was accidentally pulled so I could get that information off my credit report?  Where did you get my SSN and personal information to "accidentally" pull my credit?  If my credit was
incidentally pulled in 2015 when my ex and his wife were applying for a 2nd mortgage or loan, why would you dig through 7 years of paperwork to find my information?  IF the bank was going to use the information
they had on hand, wouldn't they have used the information they had on file for the still active 2011 loan for my ex?  If that is the case, my name and personal information should not be on that paperwork at all. 
.
Do you see where I am going with this?  Something is not right.  I do not believe this was a simple error, it seems impossible.  You need more than just a name to pull a hard inquiry, where did my step dad,
Mr. Steve Nothem and Premier Financial Credit Union get that information?  I guess we will just have to wait and see......
.
April 2017
Premier Financial Credit Union, in response to the lawsuit, offers me $5,000 to walk away.  This can be viewed in two ways, a generous one-time offer, OR, they know they are guilty and don't want to open a can of worms.
Accidental pulls, per our research, usually is worth $1,000, with offers of far less.  Once again, Premier Financial Credit Union wanted to give me $5,000.  I don't know if they know this or not, but I am not after a quick buck,
I want answers and I want the truth!!  Will this destroy my family, probably.  Does that mean I am going to stop, absolutely NOT!  A "family" member invaded my privacy, and I think a "family" member took advantage of me,
therefore, it is HIM, not me, that will ruin this family.  I am simply doing what is right because he didn't.  Next up, discovery.  If Steve Nothem and Premier Financial Credit Union are hiding anything, I have great confidence
my legal team will find it.  This kind of "accident" just doesn't happen. 
.
.
.

Steve Nothem Kiel Wisconsin
President/CEO Of Premier Financial Credit Union

Tim Jubeck Oak Creek Wisconsin
Ex Son-In-law Of Steve Nothem President/CEO Of Premier Financial Credit Union

Steve Nothem congratulates PFCU's Sara Cardinal

http://ig.libertyonline.net/ImageGallery/Custom/cu1396/PDFs/July2016.pdf

http://www.midshoreshomebuilders.com/contact-us.php

http://mortgage-brokers.credio.com/l/566597/Sara-L-Cardinal

2:17-cv-00346-LA Bates v. Premier Financial Credit Union
Lynn Adelman, presiding
Date filed: 03/09/2017

Bates vs. Premier Financial Credit Union

Docket Text Notice of Judge Assignment
Docket Text Summons Issued
Docket Text Complaint
Docket Text Disclosure Statement
Docket Text Notice of Appearance
Docket Text Consent/Refusal to Jurisdiction by US Magistrate Judge
Docket Text Summons Returned Executed
Docket Text Answer to Complaint
Docket Text Disclosure Statement
Docket Text Scheduling Order
Docket Text Notice of Appearance
Docket Text Report of Rule 26(f) Plan

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https://www.yourpfcu.com Premier Financial Credit Union     https://www.creditunionsonline.com/credit-union-7893.html Premier Financial Credit Union New Holstein, WI
https://www.creditunionsonline.com/credit-union-7893-47962.html Premier Financial Credit Union - Kiel, WI at 530 Fremont Street
https://www.creditunionsonline.com/credit-union-7893-47968.html Premier Financial Credit Union - Chilton, WI at 1104 E Chestnut Street
https://www.facebook.com/PremierFinancialCreditUnion Premier Financial Credit Union - Home Facebook
https://www.bbb.org/wisconsin/business-reviews/credit-unions/premier-financial-credit-union-in-new-holstein-wi-33000124 BBB Business Profile Premier Financial Credit Union
https://www.onwallstreet.com/author/premier-financial-credit-union-wi Premier Financial Credit Union (WI) On Wall Street
https://greatnonprofits.org/org/premier-financial-credit-union Premier Financial Credit Union nonprofit in New Holstein, WI
https://www.linkedin.com/company/premier-financial-credit-union-new-holstein Premier Financial Credit Union, New Holstein LinkedIn

Premier Financial Credit Union https://youtu.be/y2Tiigo8nzQ

Premier Financial Credit Union https://youtu.be/QX-aPp8w34Q

          Premier Financial Credit Union of New Holstein, Kiel, and Chilton Wisconsin pulled my wife's credit http://ficoforums.myfico.com/t5/General-Credit-Topics/Premier-Financial-Credit-Union-of-New-Holstein-Kiel-and-Chilton/td-p/5011201

          Premier Financial Credit Union Unauthorized Hard Inquiries on my wife's credit http://ficoforums.myfico.com/t5/General-Credit-Topics/Premier-Financial-Credit-Union-Unauthorized-Hard-Inquiries-on-my/td-p/5013216

Premier Financial Credit Union

Finance / Credit Unions

2017 Main St, New Holstein, WI 53061

(920) 898-4232

About

Nestled in the rolling farmlands of east central Wisconsin, with offices located in New Holstein, Kiel and Chilton.

Premier Financial Credit Union is a full service community credit union that serves anyone who lives or works in Calumet, Sheboygan, Manitowoc and sections of Fond du lac and Outagamie counties and their families.  

Business Hours

Monday 9:00 AM - 5:00 PM

Tuesday 9:30 AM - 5:00 PM

Wednesday 9:00 AM - 5:00 PM

Thursday 9:00 AM - 5:00 PM

Friday 9:00 AM - 5:00 PM

Saturday Closed

Sunday

Premier Financial Credit Union 2017 Main Street New Holstein, WI 53061

Premier Financial Credit Union 530 Fremont Street Kiel, WI 53042

Premier Financial Credit Union 50 East Chestnut Street Chilton, WI 53014

Has Your Credit Report Been Viewed Illegally?

By Minda Zetlin Features CreditCards.com

Mari Frank couldn't figure out how an identity thief got her Social Security number and birthdate -- until she noticed that her credit report had been viewed by a company she never heard of.

"I had to go through my credit report with a fine-tooth comb," said Frank, a California attorney who has become an expert on identity theft since her run-in with it in 1996. "There was an inquiry there from a mortgage company -- I wasn't buying a house, I hadn't refinanced."

Though most credit report inquiries are legitimate, there are several scenarios that can easily lead to it being read by someone who shouldn't. The information contained there can be used to steal your identity, damage your credit or, at the very least, invade your privacy.

A limited number of entities can legally view your report, under provisions of the Fair Credit Reporting Act. Those include a company planning to offer you insurance or credit (this includes landlords and utilities), a company with which you have an existing debt, an employer or prospective employer, or a court, state or law enforcement agency. You do have the option to voluntarily give permission to anyone you choose to see your report and, of course, you can see it yourself. That's it.

But there are a surprising number of ways your credit report could wind up in the wrong hands.

More On This...

In Frank's case, it turned out to be a clerk at a law firm that was representing a mortgage company who misused her credit report. The firm had legitimate access to the credit reporting system, but the rogue employee used it to set up credit cards and get loans in Frank's name. It took 11 months to clear up more than $50,000 in fraudulent debts that were attributed to her, Frank said.

Illegal viewing of your credit report should be taken seriously, says Cary Flitter, partner at consumer law firm Flitter Lorenz in Philadelphia. "When people get your credit report illegally, it's as if they had broken into your house, jimmied open your desk and looked through all your manila folders. Here's your mortgage status, here's a collection letter you received. It's all in one place and organized."

The Federal Trade Commission received more than 279,000 complaints about identity theft in 2011, which topped the complaint list for the twelfth year running. Some portion of those are the result of credit report abuse, but the scale of the problem is difficult to determine, an agency spokesman said. It is rare that a victim can tell -- as Frank did through painstaking research --  that their credit report was misused. "People wouldn't know if someone is accessing their credit report who shouldn't access it," said Mitchell Katz, senior public affairs officer at the FTC.

Here are the most common scenarios in which your credit report might be viewed illegally.

Love gone wrong

If you're in the midst of a divorce or a child custody battle, your ex, his or her lawyer, or a private investigator working for that lawyer might pull your credit report to check on your activities and look for accounts or assets you may be keeping secret. Legally, they have no right to do this unless they've obtained a court order. If they haven't, "you absolutely have the right to sue them as this violates the Fair Credit Reporting Act," says personal finance author David Bakke.

There's another possible scenario even before lawyers and private investigators get involved: Your spouse or partner could decide to take a look at your credit report in search of secret accounts that may indicate infidelity (or at least financial infidelity). If he or she has access to your Social Security number, bank or credit card account numbers and is likely to know the answers to your security questions, it may be easy enough to request a credit report or view one online while pretending to be you.

What to do about it: Strictly speaking, a spouse or partner who does this has committed identity theft, says Rod Griffin, director of public education at credit bureau Experian. You'd be well within your rights to file a police report, he says, but depending on the situation, you may not want to go that far. "It's a difficult challenge," he says. "You'll have to have some very difficult discussions with that person."

A better option might be to freeze your credit report with each of the three bureaus, particularly if you know that separation or divorce is on the horizon. Freezing your report renders it inaccessible for most uses, although a company with which you already have debt will still have access, as will courts and governments and private investigators -- but only when performing government-sanctioned background checks. The cost to freeze a report is set by state law and is usually quite low.

In most cases, you can "thaw" a report temporarily, for instance, while shopping for a car loan, and then refreeze it when you're done. Freezing and thawing can be done online, by password. 

In a divorce or child custody situation, another possible scenario is that your spouse or spouse's attorney will actually request that you obtain your own credit report and provide it voluntarily. In this situation, your smartest move may be to comply, assuming you have nothing to hide. The other side may well be able to get a court order demanding it anyway, and your refusal will likely arouse suspicion. "If there's hesitation in providing a credit report, that's smoke," says Lili A. Vasileff, a certified financial planner who specializes in divorce. "It means there may be something in there that's unknown to your spouse."

Unauthorized use scenarios, penalties

An entrepreneur -- and a client of Flitter's -- opened a business account at a local branch of a national bank. A month or two later, while routinely reviewing his credit report, he was surprised to see an inquiry from that bank. The bank would have been well within its rights if he'd applied for a loan or a line of credit, but he'd done neither.

"He inquired and didn't get a very satisfactory answer," says Flitter, who is representing the entrepreneur in a lawsuit against the bank. "When he pressed them, they told him they should have gotten his authorization, but had made an oversight."

The Fair Credit Reporting Act caps actual damages at $1,000 if the error was due to an oversight, but consumers can also sue for punitive damages, attorney's fees and court costs, Flitter says. In this instance where the bank admitted wrongdoing, he's confident it will have to pay for its mistake. The question is how much and depends in part on whether this truly was a one-time oversight as the bank claims, or part of a pattern of pulling reports illegally.

A more sinister unauthorized use is when an institution with access to your credit reports uses that information to take advantage of you. For instance, an insurance company is legally entitled to view your credit report when deciding whether to issue you insurance, but not because you filed a claim. It matters because they can use that information to unfair advantage in negotiations.

"Let's say you were in a car accident and couldn't work," Flitter says. "You have a lawyer who says your case is worth $200,000, but the insurance company offers you $40,000." If the insurance company views your credit report at that point, it may be able to determine how desperately you need cash by viewing debt amounts and any unpaid bills. As a result, the insurer may not raise its settlement offer..

"That's absolutely illegal -- it gives them an impermissible view into your finances," Flitter says. But sometimes they do it anyway. In fact, this happened to another client of Flitter's who was hit by a drunken driver. "The insurance company pulled both his and his wife's credit reports," he says. When the couple sued, the insurance company claimed it had never done this before. "We found out they had done it four times in the previous year alone," Flitter says.

What to do about it: If a company has looked at your credit report without a legitimate reason or permission, you should consider contacting a consumer law attorney. Even if you aren't harmed by illicit access of your credit report, "privacy loss always has value," Flitter says. Beyond that, illegal access may lead to very real harm. Years ago, Flitter says a client of his took a test drive at a car dealership and while he was on the drive, a sales rep pulled his credit report. This in itself was illegal: Dealerships are not allowed to view a customer's credit reports until that customer specifically asks for credit terms. Three weeks later, Flitter's client began seeing suspicious credit activity. It turned out the sales rep was on parole for theft, and had apparently sold the credit report.

Employers who don't know the law

Depending on the laws in your state, a prospective employer may be able to view your credit report before making a job offer. But did you know that a current employer can also access your report while you're an employee? Some employers make a practice of period spot checks for employees in sensitive positions. "We have a client that's an armored car company, and they check employees' credit reports once a year," says Marc Bourne, vice president, Know It All Intelligence Group, a Philadelphia-area firm that offers employment screening.

A growing number of states, including California, Connecticut and Illinois, enacted laws severely restricting in what circumstances employers can view credit reports. Because new laws are being introduced all the time, affected employers may not be current on the rules. "We have a legal staff that keeps up to date and issues alerts," Bourne says. "It's pretty much a full-time job." For companies that don't have staff devoted to these issues, it would be easy to mistakenly break the law, he says.

What to do about it: It's illegal for an employer to obtain your credit report without providing written notification first. And that notification must be presented on its own page (not buried in the fine print on a lengthy application form, for instance). So carefully read any documents a prospective or current employer gives you. Be aware that granting authorization for a "background check" includes permission to view your credit report.

Make sure you know the law in your state, so that if an employer does plan to see a credit report, you'll know whether it has that right. Of course, refusing permission could cost you the job, so that can be a tough decision to make. On the other hand, if you don't get or don't want the job and an employer has checked your credit report illegally, there's plenty you can do.

"Dispute it with the credit bureau," Bourne says. "Most people think they can dispute only credit information, but you can dispute anything including an inquiry." Next, he advises, file a complaint with the Federal Trade Commission, which you can do online. "We have to investigate any time an applicant calls and makes any kind of FTC complaint," he says. "You can also go to your state's attorney general's office and county bureaus of consumer protection and make complaints there."

Garden-variety identity theft

Then there is the scenario that Mari Frank lived through. Credit reports are like manna from heaven for identity thieves. Your credit report contains current and former addresses and accounts that can be used to impersonate you. In 2005, this happened on a grand scale: Ambitious identity thieves set up fake businesses specifically to obtain credit reports from consumer data broker ChoicePoint, and ultimately gained access to up to 160,000 records. That event spurred most states to enact laws requiring that consumers be notified of any security breach that could put their personal data at risk of theft. Another result of this breach is that credit reports now only show partial Social Security and account numbers as an added layer of protection, but a criminal who obtains your credit report illegally can still use it to do plenty of damage.

What to do about it: If a miscreant is indeed trying to steal your identity, the first sign may be a credit report inquiry from a company you don't recognize, so it's important to investigate any unfamiliar inquiry. If your investigation turns up anything suspicious -- for instance, someone trying to obtain credit in your name -- contact all three credit bureaus to alert them about the fraud and ask them to put a temporary security alert on your information that will tell creditors to take extra steps to verify your identity if credit is requested.

"By law, lenders cannot ignore security alerts," Griffin says. "So if a fraudster applies for credit, they should ask for extra documentation." In addition, he says, contact lenders or other companies where you appear to have accounts you didn't open and alert them to the fraud.

Your next step should be to file a fraud report with local law enforcement, he says. "Once you have that, you can add a victim statement to your credit report." That allows the credit bureau to remove fraudulent accounts from your report, he says. And you can ask to have creditors contact you before granting any credit in your name.