First Progress Card

"margin: 0in 0in 0pt;">April 10,
Revdex.com
Attn: *** ***
12th Street
PO Box
Columbus, GA
RE: *** ***
Case No.: ***
Dear *** ***:
We are in receipt of your correspondence on behalf of *** ***. We remain committed to maintaining a high level of customer satisfaction and appreciate the opportunity to assist
Mr*** requested to close his account on March 11, with our Customer Service Department. At this time, Mr*** was advised it may take up to days to receive a refund of his security deposit. This is because we need to allow for any pending transactions to post to the account. We understand that Mr*** feels that he should receive his refund within days of account closure.
We allow our customers to expedite the refund of their security deposit once their account is closed. To do so, Mr*** should have been advised he could have sent a written request to us, and we would have been happy to expedite the refund of his security deposit. We have accepted this complaint as Mr***’s written request to issue an expedited refund on his security depositOn April 10, a credit balance refund in the amount of $was issued and mailed to Mr***, to the address on file, *** *** *** *** *** *** ** ***. He should receive the check within 7-business days
If *** *** has any additional questions, he may contact our Customer Service Department at ###-###-####
Sincerely,
First Progress
***
James Akin
Synovus Bank
PO Box
Columbus, GA 31902-

I accept as long the check shows up in 7-days

"margin: 0in 0in 0pt;" class="MsoNormal">May 6,
Revdex.com
Attn: *** ***
12th Street
PO Box
Columbus, GA
RE: *** ***
Case No.: ***
Dear *** ***:
We are in receipt of your
correspondence on behalf of *** ***.
We remain committed to maintaining a high level of customer satisfaction
and appreciate the opportunity to assist
Mr*** requested to close
his account on March 24, with our Customer Service Department. At this time, Mr*** was advised it may
take up to days to receive a refund of his security deposit. This is because we need to allow for any
pending transactions to post to the account
We allow our customers to expedite the
refund of their security deposit once their account is closed. Mr*** was advised that with written
request we could expedite his security deposit
We have accepted this complaint as Mr***’s written
request to issue an expedited refund on his security depositOn May 05, a
credit balance refund in the amount of $was issued and mailed to Mr
***, to the address on file and on the complaint, *** *** *** *** ** *** Mr*** should receive the check within 7-business
days
If *** *** has any
additional questions, he may contact our Customer Service Department at (866)
706-
Sincerely,
First Progress
cc: *** ***
Synovus
Bank
PO Box
Columbus,
GA 31902-

A description of my experience is "Quick to take your Money, Slow to Providing you a Card"
I applied for first progress card believing this would help improve my credit score This agency withdrew $from my account twiceThis was not authorizedWhen I went to their website, there was no number listed so I could not contact themThere was an email for application abuseI sent an email and reported the issueThe extra $withdrawn was refunded in several daysThis did create a financial hardship as I did not allocate $from my account
A week later, I check on my application status and it shows the application is still being decidedWell, I am confusedWhy would you immediately with draw my money but wait days and eventually weeks before you make a decision about the application? I continued to check on a weekly basis, only to see that I can pay extra to have my card shipped earlyI believe this agency to be a scamI am not certain how they received an "A" ratingIn the end, I withdrew my applicationThe primary reason is they were quick to take my money but very slow to give me my card and failed to communicate with me via email or cell phone
Eventually, they sent me an email noting they required additional verificationWhen I contacted them, they had my previous address which could not have been accurateSo, I withdrew my application at that timeIt became clear they lacked professionalism and knowledge about managing a credit agencyI do not recommend this credit agency for anyone seeking to building their credit

New Roman">
October 16,
Revdex.com
Attn: *** ***
12th Street
PO Box
Columbus, GA
RE: *** *** **
Case No.: ***
Dear *** ***:
We are in receipt of your
correspondence on behalf of *** *** **.
We remain committed to maintaining a high level of customer satisfaction
and appreciate the opportunity to assist
On October 8, 2015, Mr
*** contacted our Customer Service department to make an expedited
telephone payment. On October 13, Mr
***’s bank dishonored the payment, citing no such account.
A review of the recorded call
revealed that, when Mr*** made his payment, the agent repeated the
banking information, including the account number, to which Mr***
confirmed what we were about to submit was correct. Mr*** contacted
Customer Service on October at approximately 3:pm, as referenced in the
complaint. At that time, Mr***
listened to the recording of the call, in which he provided the incorrect
checking account number. Mr***
then admitted that the account number was entered by our agent as he had
provided it
As of
October 15, no valid payment has as yet been received, either by mail,
electronic billpay, or telephone payment.
First Progress has not assessed any late fee to date. We believe our reporting of the account as
not current is accurate and are unable to remove the delinquency reported on
the account.
If
there are any additional questions, Mr*** 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: *** ***
Synovus Bank
PO Box
Columbus, GA
31902-

face="Times New Roman">
September 17,
Revdex.com
Attn: *** ***
12th Street
PO Box
Columbus, GA
RE: *** ***
Case No.: ***
Dear *** ***:
We are in receipt of your
correspondence on behalf of *** ***.
We remain committed to maintaining a high level of customer satisfaction
and appreciate the opportunity to assist
As of
today, First Progress has only received two payments towards Ms***’s $
security deposit. On July 16, we
received payment of $and on September 10, we received a payment of
$15.00. If Ms***’s prepaid card shows
any other payments to First Progress, she should immediately contact her
prepaid card company and dispute these charges, as First Progress has not
received any additional funds for this account
If
there are any additional questions, Ms*** 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: *** ***
Synovus Bank
PO Box
Columbus, GA
31902-

[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 ***, 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,
*** ***

face="Times New Roman">
April 17,
Revdex.com
Attn: *** ***
12th Street
PO Box
Columbus, GA
RE: *** ***
Case No.: ***
Dear *** ***:
We are in receipt of your
correspondence on behalf of *** ***.
We remain committed to maintaining a high level of customer satisfaction
and appreciate the opportunity to assist
We are sorry to hear that Mr***
had trouble viewing the recent activity on his account at our website, www.firstprogress.com. We are enclosing a copy of his most recent
statement, dated April 12, 2015, which includes the transactions that he was
not able to view on the website. The
display of this statement within the Customer Center did not begin until late
on April 15. However, the Credit
Available on the account is made available around the clock on the website or
on the automated voice response menu, as well as from a live Customer Service
representative during our hours of operation
If Mr*** has any further
issues viewing his account online, or if there are any additional questions, Mr
*** 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: *** ***
Synovus Bank
PO Box
Columbus, GA 31902-

face="Times New Roman">
June 16,
Revdex.com
Attn: *** ***
12th Street
PO Box
Columbus, GA
RE: *** ***
Case No.: ***
Dear *** ***:
We are in receipt of your
correspondence on behalf of *** ***.
We remain committed to maintaining a high level of customer satisfaction
and appreciate the opportunity to assist
As of the date of the receipt of
this complaint, June 12, Mr***’s statement dated May was accessible in
the Customer Center. We are sorry if
these statements are not available more expeditiously; however, the statements
are provided online as a customer amenity, for which no fee is charged. All First Progress Card customers receive a
statement monthly, mailed at our expense, to their address on file
If there are any additional
questions, Mr*** 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: *** ***
Synovus Bank
PO Box
Columbus, GA
31902-

[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 ***, and find that this resolution would be satisfactory to me This was my misunderstanding and, if possible, I would like this complaint to be deleted completely
Regards,
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.Called todayNice girl, was willing to charge me ten dollars to make a payment That I do not oweWill hold the check for ten daysCompany is nothing more than a scamThey need to stop re-aging the charge offIt's illegalEither let me pay the dollars without new fees and penalties or remove these reports from my credit filesShe claimed they sent a statement to my old address Will update whether it promises a cease and desist on payment or not.
Regards,
*** ***

face="Times New Roman">
April 7,
Revdex.com
Attn: *** ***
12th Street
PO Box
Columbus, GA
RE: *** ***
Case No.: ***
Dear *** ***:
We are in receipt of your
correspondence on behalf of *** ***.
We remain committed to maintaining a high level of customer satisfaction
and appreciate the opportunity to assist
We
are pleased the Mr*** found our Customer Service representatives to be
very nice.
Mr*** was mailed a statement on February 12,
showing the minimum payment of $due by March 9, 2015. This was not returned by the USPS. First Progress always accepts payments made
by mail using the pre-printed remittance slip provided with the statement,
mailed to the remittance address, PO Box 84019, Columbus, GA 31908-4019. First Progress also accepts ACH payments
initiated by another financial institution, as well as payments by phone with
the assistance of a live operator. Only
payments taken with a live operator, as per the Cardholder Agreement and as
disclosed during the call, are subject to a $processing fee
The account’s past due status did not prevent Mr
*** from accessing the Customer Center website. According to our records, he first logged in
to the Customer Center on February 11, and successfully logged in on April
1. The past due status did prevent Mr
*** from being able to use the First Progress card until the account was
brought current. We apologize for any
misunderstanding
There has been no negative reporting of this account
to the credit bureaus, and as a courtesy, we have waived the late payment fee
of $assessed on March 10. This credit
will appear on Mr***’s April 12, billing statement
If there are any additional
questions, Mr*** 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: *** ***
Synovus Bank
PO Box
Columbus, GA
31902-

June 22,
Revdex.com
Attn: *** ***
12th Street
PO Box
Columbus, GA
RE: *** ***
Case No.: ***
Dear *** ***:
We are in receipt of your
correspondence on behalf of *** ***.
We remain committed to maintaining a high level of customer satisfaction
and appreciate the opportunity to assist
Mr
*** did not apply to First Progress for an unsecured card. First Progress has never to date offered any
unsecured cards; as disclosed in the application materials, this is a fully
secured credit card
Since
the account was opened in April 2014, the payment due date has been on the 19th
of each month. This due date has not
changed at any point. The payment due
date is listed on every billing statement, which is mailed to the cardholder’s
address on file; we have no record of any statements having been returned by
USPS
First
Progress has searched its records, but could not locate any phone calls from
Mr*** in November or in February in regards to making payments
to his account. If a payment of at least
the minimum payment due amount is not received by the payment due date, the
account is delinquent. First Progress is
obligated by law to report accurately to the credit reporting agencies. As a result, we are unable to remove valid
negative reporting to the credit bureaus for this account
As a
courtesy, the last late fee assessed, $37, has been waived. The next statement will reflect this
credit.
If
there are any additional questions, Mr*** 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: *** ***
Synovus Bank
PO Box
Columbus, GA
31902-

face="Times New Roman">
August 17,
Revdex.com
Attn: *** ***
12th Street
PO Box
Columbus, GA
RE: *** ***
Case No.: ***
Dear *** ***:
We are in receipt of your
correspondence on behalf of *** ***.
We remain committed to maintaining a high level of customer satisfaction
and appreciate the opportunity to assist
According to our records, Ms*** applied online for a First
Progress Card with a $credit limit on February 26, and was approved
on March 6, 2015; however, Ms*** did not fully fund the $security
deposit required to use the account as per the terms disclosed at the time of
her application. On June 2, 2015, she
informed our Customer Service representative that she did not wish to complete
the funding of the account. The $she
had provided to date was refunded in full on June 4,
The account was therefore reported to the credit reporting
agencies by First Progress as current, but voluntarily closed by Ms
***. Because she was unable to use the
card First Progress has requested that all three credit reporting agencies
remove the First Progress tradeline from her credit bureau file
If
there are any additional questions, Ms*** 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: *** ***
Synovus Bank
PO Box
Columbus, GA
31902-

March 8,
Revdex.com
Attn: *** ***
12th Street
PO Box
Columbus, GA
RE: *** ***
Case No.: ***
Dear *** ***:
We are in receipt of your correspondence on behalf of *** ***We remain committed to maintaining a high
level of customer satisfaction and appreciate the opportunity to assist
First Progress is reporting this account, and has been for the past year, as having a zero balance and current to the credit bureausHowever, our records indicate that the account had been days past due in Under the provisions of the Fair Credit Reporting Act, we are responsible for accurate furnishing of information to the credit reporting agenciesTherefore, we are unable to make any adjustments
If there are any additional questions, Mr*** 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: *** ***
Synovus Bank
PO Box
Columbus, GA 31902-

face="Times New Roman">
May 15,
Revdex.com
Attn: *** ***
12th Street
PO Box
Columbus, GA
RE: *** ***
Case No.: ***
Dear *** ***:
We are in receipt of your
correspondence on behalf of *** ***.
We remain committed to maintaining a high level of customer satisfaction
and appreciate the opportunity to assist
We are sorry to hear that Mr
*** has had trouble contacting our Customer Service department, and that
he wishes to close his First Progress account.
As he has requested in this complaint, we have closed his account,
effective May 14, 2015, and refunded his security deposit of $300. The refund was issued on May 15, and
should be received within 7-business days
If there are any additional
questions, Mr*** 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: *** ***
Synovus Bank
PO Box
Columbus, GA
31902-

face="Times New Roman">
April 17,
Revdex.com
Attn: *** ***
12th Street
PO Box
Columbus, GA
RE: *** ***
Case No.: ***
Dear *** ***:
We are in receipt of your
correspondence on behalf of *** ***.
We remain committed to maintaining a high level of customer satisfaction
and appreciate the opportunity to assist
Mr*** applied for, and was
approved for a First Progress account on December 9, 2013. First Progress is a secured credit card, not
a pre-paid debit card. Mr*** secured
his line of credit with a deposit of $300.00.
When he submitted his online
application, at www.firstprogress.com,
he agreed to the annual fee of $39. This
fee was billed on December 31, 2014, prior to Mr*** closing his
account. When the account was closed,
per Mr***’s request, on January 21, 2015, he was advised the fee could not
be waived, however he was welcome to submit a written request for further
review to determine if the fee could be waived.
When Mr*** closed the account, his
security deposit of $was applied against the outstanding balance due,
$148.70, resulting in a credit balance of $151.30, which was issued via check
on March 4, 2015.
As a courtesy, we have waived the
annual fee of $39, as there were no charges made after the fee was assessed,
and a refund of $has been issued via check.
Mr*** should receive the check within 7-business days
If there are any additional
questions, Mr*** 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: *** ***
Synovus Bank
PO Box
Columbus, GA
31902-

">
June 3,
Revdex.com
Attn: *** ***
12th Street
PO Box
Columbus, GA
RE: *** ***
Case No.: ***
Dear *** ***:
We are in receipt of your
correspondence on behalf of *** ***We remain committed to maintaining
a high level of customer satisfaction and appreciate the opportunity to assist
First Progress credits all
payments on the business day they are received, as long as they are received by
pm Eastern TimeWe received *** ***’s payment from MoneyGram on May
2014, and the payment of $was indeed credited to her account on May
30, Per review of the account, the card has been used repeatedly at
merchants in Colorado on both June 2nd and 3rd; we assume that Ms***
wishes the account to remain open
We apologize for any
confusion our Customer Service representative may have inadvertently caused,
but when our customers use a third party payment service such as MoneyGram,
First Progress cannot “see” the current status of the payment at MoneyGram, and
cannot be responsible for the status and timing of when MoneyGram will deliver
the funds to us
If *** *** has any
additional questions, he may contact our Customer Service Department at (866)
706-
Sincerely,
First
Progress
cc: *** ***
Synovus Bank
PO Box
Columbus, GA
31902-

'Times New Roman'">
July 2,
RevDex.com
Attn:
*** ***
12th Street
PO
Box
Columbus,
GA
RE: *** ***
Case No.: ***
Dear
*** ***:
We
are in receipt of your correspondence on behalf of *** ***. We remain committed to maintaining a high
level of customer satisfaction and appreciate the opportunity to assist
Mr
*** applied for the First Progress Card online on June 23, 2014, and selected
our “fund later” option, which as disclosed was:
You have selected the Apply Now &
Fund Later Option, allowing you to get a rapid credit decision and receive your
card before providing the required security depositNote that there is a
non-refundable fee of $for this service, which includes Expedited
Processing of your application.”
You will be approved for the First Progress Platinum
MasterCard Secured Credit Card with no minimum credit score and no credit
history required, if that you are a US resident (excluding AR, IA, NY and WI),
at least years of age (in NE or AL), that you have not filed an active
bankruptcy that has not yet been discharged by the court, and we are able to
confirm your identity as required by the government for all credit card
applications
If you are approved we will mail you your cardIn
order to have your card activated and available for use, you must first provide
funds for your security deposit in the amount of the credit limitYou will
have up to days from the date you applied to fund the required security
deposit by electronic online bill-pay or by debit or prepaid cardYou will
then be able to use your card one business day after we receive your refundable
security deposit
Mr***
expressly authorized for the $fee at point of application
The following box was then checked
by the applicant:
Authorization
By checking this box, I sign and agree to
authorize Synovus Bank (or its agent) to initiate this debit or prepaid
transaction from the account listed above in the amount of $I hereby
agree to be charged this amount as a non-refundable Apply Now & Fund Later
Service fee
On
June 25, 2014, Mr***’s application was processed and a First Progress card
mailed to his address on file, *** *** *** *** ** ***This
card will be activated as soon as the security deposit Mr*** selected in
his application ($300.00) is provided
If
there are any additional questions, *** *** 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: *** ***
Synovus Bank
PO Box
Columbus, GA 31902-

May 7,
Revdex.com
Attn: *** ***
12th Street
PO Box
Columbus, GA
RE: *** ***
Case No.: ***
Dear ***
***:
We are in receipt of your correspondence on behalf of *** ***. We remain committed to maintaining a high level of customer satisfaction and appreciate the opportunity to assist
*** *** applied for a First Progress secured credit card on April 30, 2014, at that time we were provided with the email address, “***.” On April 30, at 3:pm, an email was sent, to the email address provided, with a secure link at which *** *** could view the application statusAs *** *** did not request expedited processing, as of this date, the application is in processing*** *** will receive a notice of our decision within days of the date of the application
*** *** is welcome to contact our Customer Service Department at ###-###-#### with any additional questions
Sincerely,
First Progress
cc: *** ***
Synovus Bank
PO Box
Columbus, GA 31902-