First Progress Card

November 17, Revdex.com Attn: [redacted] * 12th Street PO Box Columbus, GA RE: [redacted] Case No.: [redacted] Dear [redacted] ***: We are in receipt of your correspondence on behalf of [redacted] We remain committed to maintaining a high level of customer satisfaction and appreciate the opportunity to assist According to our records, Mrs [redacted] contacted us on November 5, 2016, disputing charges on her accountAt this time, her card, ending in ***, was canceled, and a new card was issuedIn error, Mrs [redacted] was advised her new card would be sent to her via Federal Express, with no feeUnfortunately, this is not an available delivery option On November 8, the new card was mailed to the address on file, which matches the address on this complaintThe new card will arrive within 7-business days of the date it was mailedThe account remains open and in good standing at this time If there are any additional questions, Mrs [redacted] may contact Customer Service Department at (866) 706-during our hours of Monday to Friday, am to pm Eastern Time, or Saturday, am to pm Eastern Time Sincerely, First Progress cc: [redacted] Synovus Bank PO Box Columbus, GA 31902-

July 7, Revdex.com Attn: [redacted] 12th Street PO Box Columbus, GA RE: [redacted] Case No.: [redacted] Dear [redacted] ***: We are in receipt of your correspondence on behalf of [redacted] We remain committed to maintaining a high level of customer satisfaction and appreciate the opportunity to assist We would begin by confirming that First Progress will not hold customers responsible for transactions made without their knowledge and authorization According to our records of Mr [redacted] ’s case, however, while Mr [redacted] reported the card to have been lost, the merchant provided a signed sales draftThe signature on the sales draft is Terry [redacted] Our Fraud investigations department contacted Mr [redacted] , and at first he denied knowing Terry [redacted] Subsequently, Mr [redacted] acknowledged Terry [redacted] to be his wifeOur Fraud Investigation department was then unable to make further progress on this case without an explanation by Mr [redacted] of how the charges came to be made, and whether he benefitted from the transactions If Mr [redacted] is able to provide at this time such an explanation, including which charges were made by person(s) known to him and which made by person(s) unknown to him, First Progress will reopen this fraud investigation If there are any additional questions, Mr [redacted] may contact Customer Service Department at (866) 706-during our hours of Monday to Friday, am to pm Eastern Time, or Saturday, am to pm Eastern Time Sincerely, First Progress cc: Tiffany Reeves Synovus Bank PO Box Columbus, GA 31902-

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below My complaint does not involve a misunderstanding of the details of this cardIt involves the incompetence of their computer system and the fouled up billing that results from that systemI have no reason to expect improvement in the systemSince I responded immediately to that issue, I don't understand their resistance to refunding all of my money including the $yearly chargeIt seems like a minor request to resolve the entire matterI don't believe it's unreasonable to expect competenceThat seems to me to be a breach of the contract no matter how little the amount or petty this seemsI'm a stuck with being out $due to their incompetence, whether I cancel now or in monthsSeems like a bad way to run a business Thanks, [redacted]

[A default letter is provided here which indicates your acceptance of the business's response If you wish, you may update it before sending it.] Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution would be satisfactory to me I will wait for the business to perform this action and, if it does, will consider this complaint resolved Regards, Madison Greaves

'Times New Roman July 16, RevDex.com Attn: [redacted] 12th Street PO Box Columbus, GA RE: [redacted] Case No.: [redacted] Dear [redacted] ***: We are in receipt of your correspondence on behalf of [redacted] We remain committed to maintaining a high level of customer satisfaction and appreciate the opportunity to assist Ms [redacted] applied for a First Progress account on June 4, at www.firstprogress.com Federal law requires that we verify the identity of applicants prior to opening an account, and the application therefore states that: What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify youWe may also ask to see your driver’s license or other identifying documents On June 11, 2014, a letter was mailed to Ms [redacted] via USPS, asking her to provide documentation to verify her identity in order for us to be able to open an account The letter was sent to the physical address provided on her application, namely [redacted] ** [redacted] the same address as on the complaintTo date, the letter has not been returned to us by the US Postal Service; therefore we had no reason to suspect she had not received the letter requiring the additional documentation Our records indicate an email was sent to Ms [redacted] at [redacted] m , the email address provided on her application and on her complaint, confirming her application on June This email stated that “If approved, you should receive your new credit card within to days.” The “if approved” language is in place specifically to account for the verification procedures required to satisfy federal lawA subsequent email on June 5, notified Ms [redacted] that “Your application status has been updated,” and provided a link to a secure website where she could find out more specifically the issue with the application and the steps required Our records indicate that Ms [redacted] called in July 10, and was informed of the documents requiredRather than provide these, she requested a refund of her security depositOn July 15, 2014, a refund of $was processed to the Visa card used for the security deposit We are sorry that we were not able to open an account for Ms [redacted] If there are any additional questions, [redacted] may contact Customer Service Department at (866) 706-during our hours of Monday to Friday, am to pm Eastern Time, or Saturday, am to pm Eastern Time Sincerely, First Progress cc: [redacted] Synovus Bank PO Box Columbus, GA 31902-

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below.[Provide details of why you are not satisfied with this resolution.] First Progress maintains in their response to me, that "Under the provisions of the Fair Credit Reporting Act, we are responsible for accurate furnishing of information to the credit reporting agenciesUnfortunately, this prevents us from extending you the courtesy of an adjustment." In two examples of satisfactorily resolved complaints, seen here in the Revdex.com complaints directory, First Progress has has shown that they do, in fact, remove "30+ days late" reporting and other remarks from credit bureau reporting Example #1: "Billing/Collection Issues" - 2/1/-- First Progress said "As Mr [redacted] has closed his account, as a courtesy, on receipt of this follow up complaint, we have removed the 30+ days late reporting from his credit reportsThe update was submitted to the credit reporting agencies on January 27, 2016, and may take up to days for this update to be reflected on his reportsWe hope this fully satisfies Mr [redacted] in regard to his First Progress Card" Example #2: "Billing/Collection Issues 2/29/16" Desired Settlement: I need for the removal of the incorrect late fees as it is inaccurate and are adversely affecting meOn 12/02/I spoke with the agent and paid the $and $respectivelyPlease remove the erroneous 31, and or 61-day late payment entries, as they are inaccurate and are hurting my credit ratingBusiness Response: February 17, Better --- Business Bureau Attn: [redacted] 12th Street PO Box Columbus, GA RE: [redacted] Case No.: [redacted] Dear [redacted] ***: We are in receipt of your correspondence on behalf of [redacted] We remain committed to maintaining a high level of customer satisfaction and appreciate the opportunity to assistWe are unable to find any record of a bank error in regards to Mr [redacted] not receiving his statements, as Mr [redacted] signed up for electronic statementsThis is something our cardholders must sign up for themselves, as our agents cannot elect for cardholders to receive electronic statementsOur records indicate email notifications of statement availability were provided to Mr [redacted] at [redacted] on the following dates and times: 2015-07-06:36:2015-08-03:29:2015-09-11:02:2015-10-13:29:2015-11-13:13:2015-12-05...⇄ a courtesy, we have removed the past due history from both of Mr [redacted] ’s accounts, viewing this as an honest mistake, made by Mr [redacted] It is very clear reading through these, that other people have had their credit reporting changed, and yet my response was that I am denied the same considerationThe account I cited in my complaint is accurate, as others had similar problems when the online payment options disappeared, as well In Example #2, First Progress says exactly "As a courtesy, we have removed the past due history"My response is that they are not capable of that Why am I being treated differently or told a different rule? I stated in my complaint that due to the removal of their online pay system, I was confused and did not understand how to make a payment through my bank, when I had been making payments through their website all alongThis is an honest recollection of what happenedIt was a fundamental change in the way one is able to care/pay for their accountThis was honestly the case, and yet First Progress only sends me the same cold phrasing, but sends others "courtesies" as referenced here in the Revdex.com complaints, in numerous cases Other people have had their credit reporting changed, and yet my response was that I am denied the same considerationI believe First Progress does not wish to extend the same courtesy to me and is discriminating against me for some reasonSuddenly taking away an online payment system is a very big deal for keeping current on one's accountI hope others who are reading this realize that this company is not there to help you, or they do so with little real concern, if they show such blatant discrimination towards some customersShown here in the Revdex.com listings, they do indeed extend courtesies, even though they tell me "Under the provisions of the Fair Credit Reporting Act, we are responsible for accurate furnishing of information to the credit reporting agenciesUnfortunately, this prevents us from extending you the courtesy of an adjustment." Which one is it First Progress? You can't send a form letter to one person and say the opposite to othersI was honest in my statement about not understanding the transition away from your online pay system and that it resulted in late payments.Since you practice discrimination with your customers, like myself, for what reason I do not know, I cannot do business a company like youAdditionally, I will warn others, there is no auto payment ability with this card, which is the best feature you could offer to anyone seeking to build credit-- making on-time paymentsWhile I can understand First Progress not wanting to address my period of illness and denying an adjustment to that struggling time-frame I encountered (and I took/take responsibility for, I only asked), First Progress has given others courtesy adjustments (evidenced here in the Revdex.com), but will not extend it to me for an honest mistake which began due to the confusion of having auto pay one day, and then not having it all and then having to call my bank, learn how to set up e-payments through my bank (which took some timeFirst Progress does not even do "e-bills"- you have to GUESS THE PAYMENT or look it up each month).I am ashamed of this company and no longer wish to do business with you, First ProgressPlease close my account and refund my secured deposit within 7-daysYou are clearly not interested in being a partner in building credit, you are just a bank with no features aiding one to do that, you have no empathy, nor customer service agents who express any, and YOU ARE DISCRIMINATING AGAINST ME, but not othersIs that the message you want to display to other customers? It was an honest mwith the payment system, and yet you will not extend me the same courtesy you extend othersI've had better service and credit-building opportunity with a non-secured lender than this setup, by farI advise anyone who reads this to heed warning that First Progress will discriminate against you, favoring some, and change their payment system on a whim with little to know notice and then expect you to figure it all outThen they will decide you are not as good enough for "courtesy," but others are.Please do close my account and refund my secured deposit of $- which I expect to receive within 7-daysI again, respectfully request you to "extend courtesy" (which you have repeatedly said you will do for others, but not me) to change the late payment reporting, which was due to your sudden decision to overhaul the way I depended on paying youAs you can see I have been paying quite regularly, since, and the dates I mentioned were the honest mistake, and exceptionThank you Regards, Jason Tillotson

[A default letter is provided here which indicates your acceptance of the business's response If you wish, you may update it before sending it.] Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution would be satisfactory to me I will wait for the business to perform this action and, if it does, will consider this complaint resolved Regards, [redacted]

I cannot get through with them to change my address, unable to log on to account change password or user name When you call number provided it says we are closed does not give times of operation The reviews I have resad say that people have a hard time getting there money back fronm this bank??

face="Times New Roman"> March 17, 2015 RevDex.com Attn: [redacted] 500 12th Street PO Box 2587 Columbus, GA 31902 RE: [redacted] Case No.: [redacted] Dear [redacted] ***: We are in receipt of your correspondence on behalf of [redacted] . We remain committed to maintaining a high level of customer satisfaction and appreciate the opportunity to assist. The phone number provided in this complaint, (888) 403-4784, is not, nor has ever been, a First Progress telephone number. Upon receipt of this complaint, our Customer Service supervisor, ***, contacted Mr. [redacted] , and we believe we have successfully answered Mr. [redacted] ’s questions. If there are any additional questions, Mr. [redacted] may contact Customer Service Department at (866) 706-5543 during our hours of Monday to Friday, 9 am to 9 pm Eastern Time, or Saturday, 9 am to 5 pm Eastern Time. Sincerely, First Progress cc: [redacted] Synovus Bank PO Box 120 Columbus, GA 31902-0120

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below [Provide details of why you are not satisfied with this resolution.] Regards, [redacted] I need a way to be able to pay faster then just by mail or bank accountThe transfer takes too long, therefore making me delinquent as well as I have only ever received one bill and it was lateThere is no issue with mail delivery in my areaI need to server ties with this company as it is not accommodating enough for me

'Times New Roman July 23, RevDex.com Attn: [redacted] 12th Street PO Box Columbus, GA RE: [redacted] Case No.: [redacted] Dear [redacted] ***: We are in receipt of your correspondence on behalf of [redacted] *** We remain committed to maintaining a high level of customer satisfaction and appreciate the opportunity to assist [redacted] applied for a First Progress account on June 26, at www.firstprogress.comOn June 30, 2014, the account was approved and a card was issued to [redacted] *** [redacted] The account was closed on July 23, and an account closure confirmation letter was issuedWe have also made a full refund to [redacted] ***’s MasterCard ending in We are uncertain as to where Ms [redacted] obtained the telephone number ###-###-####, which is a telephone number formerly, but not currently, listed on the First Progress websiteThe actual First Progress customer service toll-free number is on the back of every First Progress card and the front of every First Progress statement If there are any additional questions, [redacted] may contact Customer Service Department at ###-###-#### during our hours of Monday to Friday, am to pm Eastern Time, or Saturday, am to pm Eastern Time Sincerely, First Progress cc: [redacted] Synovus Bank PO Box Columbus, GA 31902-

July 2, Revdex.com Attn: [redacted] 12th Street PO Box Columbus, GA RE: [redacted] Case No.: [redacted] Dear [redacted] ***: We are in receipt of your follow up correspondence on behalf of [redacted] *** We remain committed to maintaining a high level of customer satisfaction and appreciate the opportunity to assist We are sorry Mr [redacted] was not satisfied with our response Thus far, First Progress has mailed cards to Mr*** One was mailed on May 11, to the address he provided on his application: [redacted] *** This card has not been returned by USPSWe suggest Mr [redacted] contact his local post office as it appears there may be an issue with his mail delivery On Mr***’s Revdex.com complaint dated June 19, the address of the complainant is listed as “ [redacted] ***” On June 24, therefore, we initiated mailing a new card to this address This card has also not been returned to date by USPS We will close the account and refund the security deposit in full if requested However, refunds are mailed to our customers via USPS We wish to avoid any further dissatisfaction should we mail the refund check to the same address Mr [redacted] has not received the card, so we would request Mr [redacted] supply a successful mailing address with his request If there are any additional questions, Mr [redacted] may contact Customer Service Department at (866) 706-during our hours of Monday to Friday, am to pm Eastern Time, or Saturday, am to pm Eastern Time Sincerely, First Progress cc: [redacted] Synovus Bank PO Box Columbus, GA 31902-

Roman"> May 6, Revdex.com Attn: [redacted] 12th Street PO Box Columbus, GA RE: [redacted] Case No.: [redacted] Dear [redacted] ***: We are in receipt of your correspondence on behalf of Thomas [redacted] We remain committed to maintaining a high level of customer satisfaction and appreciate the opportunity to assist The customer service number, (866) 706-5543, is listed on the back of each First Progress card; correspondence address is listed of every statement According to our records, we have no contact from Mr [redacted] in prior to May 2nd The annual fee for the account ending in [redacted] was billed on the statement dated February 22, A payment due date of March was listed on the statement, but no payment was received The statement dated March therefore reflects a late payment fee and payment due date of April Payment of $was received on April 20, leaving the second fee unpaid We have waived this fee as a courtesy The annual fee for the account ending in [redacted] was billed on the statement dated February 4, A payment due date of March was listed on the statement, but no payment was received The statement dated March therefore reflects a late payment fee and payment due date of April Np payment was received until April The account is now current Both accounts are now current and will be reported again to all three credit bureaus in May If there are any additional questions, Mr [redacted] may contact Customer Service Department at (866) 706-during our hours of Monday to Friday, am to pm Eastern Time, or Saturday, am to pm Eastern Time Sincerely, First Progress cc: [redacted] Synovus Bank PO Box Columbus, GA 31902-

No, I still haven't been refunded my money Maybe they can direct deposit it because this is ridiculous on their part if not fraudulent

They sent my card to the correct address after months,then deactivate d it for late annual fee...Then payment was made through money gram then they said we haven't received it.Money gram is saying first progress received it the same day.Now first progress is saying they can't track the reference number..Horrible

October 21, Revdex.com Attn: [redacted] 12th Street PO Box Columbus, GA RE: [redacted] Case No.: [redacted] Dear [redacted] ***: We are in receipt of your correspondence on behalf of [redacted] We remain committed to maintaining a high level of customer satisfaction and appreciate the opportunity to assist The First Progress Card is a secured credit card, not a prepaid debit card as statedWhen Mrs [redacted] submitted her online application for a First Progress secured credit card, she agreed to the annual fee of $44, which is applied upon the opening of the accountFirst Progress does not charge a monthly service fee for use of the account The monthly $that Mrs [redacted] is referring to may be the minimum monthly paymentAs the First Progress Card is a credit card, it has a minimum monthly payment due on the same date each month, which in the case of Mrs [redacted] ’s account is the 14thThis is not a feeFirst Progress does not reach into cardholders’ accounts for payments except with their express permissionPayments must be initiated by the customer Should Mrs [redacted] still wish to close her account, we would be happy to do so, and refund her security depositIf there are any additional questions, Mrs [redacted] may contact Customer Service Department at (866) 706-during our hours of Monday to Friday, am to pm Eastern Time, or Saturday, am to pm Eastern Time Sincerely, First Progress cc: [redacted] Synovus Bank PO Box Columbus, GA 31902-

March 8, Revdex.com Attn: [redacted] 12th Street PO Box Columbus, GA RE: [redacted] Case No.: [redacted] Dear [redacted] ***: We are in receipt of your correspondence on behalf of [redacted] We remain committed to maintaining a high level of customer satisfaction and appreciate the opportunity to assist We are sorry that we cannot fulfill your request to amend your credit files Under the provisions of the Fair Credit Reporting Act, we are responsible for accurate furnishing of information to the credit reporting agenciesUnfortunately, this prevents us from extending you the courtesy of an adjustment We realize that you will be disappointed by our inability to address your issue, and that you may choose to close your account as a resultWe can only hope that we are more successful at addressing any other issues you may have in the future If there are any additional questions, Mr [redacted] may contact Customer Service Department at (866) 706-during our hours of Monday to Friday, am to pm Eastern Time, or Saturday, am to pm Eastern Time Sincerely, First Progress cc: [redacted] Synovus Bank PO Box Columbus, GA 31902-

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below.[Provide details of why you are not satisfied with this resolution.] Regards, [redacted]

'Times New Roman June 10, RevDex.com Attn: [redacted] 12th Street PO Box Columbus, GA RE: [redacted] Case No.: [redacted] Dear [redacted] ***: We are in receipt of your correspondence on behalf of [redacted] We remain committed to maintaining a high level of customer satisfaction and appreciate the opportunity to assist [redacted] ’s account was closed on June 4, A credit balance refund check in the amount of $was later mailed on August 27, to the following address; [redacted] The credit balance refund check was returned to us by the US Post Office on September 23, 2013.An outbound call was made to [redacted] on October 22, 2013, in regards to the returned credit balance refund check Unfortunately, there was no answer but a message was left to return our callA new credit balance refund check was issued on November 5, in the amount of $ Attached, we provided a copy of both June and July statements, where it reflects that the account was past dueOn June 09, 2014, [redacted] spoke to one of our customer service agents, who assisted by updating the address on file to [redacted] We will issue the credit balance refund check for a third time on June 12, to the updated address If there are any additional questions, [redacted] may contact Customer Service Department at (866) 706-during our hours of Monday to Friday, am to pm Eastern Time, or Saturday, am to pm Eastern Time Sincerely, First Progress cc: [redacted] Synovus Bank PO Box Columbus, GA 31902-

February 17, Revdex.com Attn: [redacted] 12th Street PO Box Columbus, GA RE: [redacted] Case No.: [redacted] Dear [redacted] ***: We are in receipt of your correspondence on behalf of [redacted] We remain committed to maintaining a high level of customer satisfaction and appreciate the opportunity to assist Mr [redacted] closed his First Progress account on December 14, At that time, his security deposit, in the amount of $400, was applied against his outstanding balanceAs Mr [redacted] did not have any balance due, his account had a credit balance of $A credit balance refund check was issued on February 4, 2016, mailed to the address on fileThe standard timeframe to receive a refund, once issued, is 7-business daysMr [redacted] should receive his check by February 19, If there are any additional questions, Mr [redacted] may use his former account number for any interaction with our automated system, or speak with our Customer Service Department at (866) 706-during our hours of Monday to Friday, am to pm Eastern Time, or Saturday, am to pm Eastern Time Sincerely, First Progress cc: [redacted] Synovus Bank PO Box Columbus, GA 31902-