First Progress Card

The website is not working properly, when I click on contact or customer service it logs me out of the website. It takes forever for the website to load. I have to make payments through my bank account and had to do a google search to see if I can talk to a real person. The number is 1-888-403-4783, have your credit card number available, name on the card, address, and social security number. I call because I want to know if I could change the due date for bill pay, the rep said no we don't have that option.

November 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 Mr [redacted] ’ First Progress account was opened on February 27, 2014, at which time he provided First Progress with a security deposit of $The account was closed on September 22, 2014, due to non-payment of the accountAt this time, the balance due exceeded the amount of the security deposit, which left a remaining balance due of $ As the reporting to the major credit reporting agencies is accurate, we are unable to change reporting of historical delinquencies on Mr [redacted] ’s accountMr [redacted] has paid the remaining balance owed, on August 28, 2015, and the account is now being reported as current with a $balance, however we cannot change the previously reported delinquencies 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-

January 22, 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 Instructions are provided within the First Progress Card online Customer Center for how our customers may use online billpay for their convenience: To make a payment directly from your bank, login to your financial institution’s online banking account and locate the online bill payment sectionYou must be enrolled in your bank’s online bill payment service for this payment option; please check with your bank regarding any fees they may charge for this service First Progress Card does not operate this online bill pay serviceAccording to our records, the only payment received for this account via this service was received January 13, 2016, and credited to the account on the same dayIf Mr [redacted] attempted to make other payments but was unable to do so successfully, we recommend he contact his financial institutionIn addition, payments on the Card have always been accepted, at no charge, at the address listed on every statement: PO Box 84019, Columbus, GA 31908- According to our records, Mr [redacted] called the First Progress Card Customer Service center on three occasions: October 12, December 9, and December On the first occasion, Mr [redacted] made an expedited telephone paymentThe fee for such a payment, as specified in the application disclosures as well as before a payment is processed, $10, was waived on that occasionMr [redacted] also made an expedited telephone payment during the call of December 9, without the fee being waivedWe have no record of other attempts at contacting the Customer Service Center, which is open Monday to Friday am to pm eastern time and on Saturday from am to pm for the convenience of our customers Mr [redacted] began using the First Progress Card on August 8, These telephone payments were the only payments made on the card during As a result, one late fee was assessed for the payment due but not received by September 27, and another on November In response to the Revdex.com, we have therefore waived one of these late fees as a courtesy The account remains open and current at this timeHowever, we do not appreciate Mr [redacted] ’s repeated use of profanity on calls with our customer service representativesWhile Mr [redacted] states in his complaint that he is unhappy with the service provided to date, we can assure him we are unhappy with his phone behaviorHopefully both of us will be better pleased with the relationship in 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-

June 30, 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 A statement is generated for Mr***’s account on the 22nd of each monthAccording to our records, the statement dated November 22, was returned to us by USPS with a new address for Mr***: [redacted] First Progress then sent written correspondence to Mr [redacted] to confirm this new address as per federal regulations Beginning with the December 22, statement, First Progress mailed the statements to this new address, which matches the address on Mr***’s complaint, and USPS has not returned any of these statementsOf course, we also continued to make the statements available online hours a day, days a week within the Customer Center The statement dated March 22, included a notice that the annual fee would be billed to the account the next month, and gave procedures to be followed if Mr [redacted] wished to avoid paying the fee by terminating his accountSince no response was received, the annual fee was billed on the statement dated April 22, 2016, and late payment fees were subsequently incurred when no payment or communication was receivedThe first communication received from Mr [redacted] since was his call of June 24, 2016, during which payment was taken and $late payment fee waived as a courtesy If Mr [redacted] is not receiving his statements, we suggest that he contact the US Postal Service with his issue 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 WHOA WHOA WHOA! SEPTEMBER 22nd STATEMENT? NO this is a CLOSED ACCOUNT! There should be NO statements! I CLOSED THE ACCOUNT AND ASKED FOR A REFUND! The fact you are still sending me statements months later would reinforce the fact the account was not close don august 6th as my letter received from your company states If we can not resolve this here and now and close my account for good no statements and no billing me monthly for a card that does not exist it will be a matter for the state Why would I get a SECOND statement from a closed account! Regards, [redacted]

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 still sending response to the complaint that is not what im requesting I still demand that first progress send evidence about the calls I made to custumer service since the day I open the acoount to todays date the letter that first progress send to Revdex.com is most obviously was writed by them not I what im requesting is most obviousli that they are lie to Revdex.com them are trying to hide the records that is save in any accounts above all the calls, that letter that first progress send to Revdex.com is NOT Any record calls that was just a letter I demand if first progress dont provide all records calls from me to custumer service where show time date and associate who assist me where look exactly like a record I demand first progress remove inmediately any bill collections at this time most of three times I am requesting them send my calls records and them still sending wrong information.Thanks Regards, [redacted]

I ordered my card with the intentions of having a certain color choice and chip technology into my cardOnly ,multiple pages on their site the advertise cards with the newest chip technologyBut when I called to ask about it they said that the do not offer chip technology and that you do not get the choose a certain card lookIt's all to lure people in which is advertisingThe lady said they will look into it but have yet to contact me backThere cards are just plain green credit cards I was looking forward to sleek nice blue or black cards with the newest chip technology embedded in the card and that is just falseIt's all a big lie!! I'm so disappointed

face="Times New Roman"> March 13, 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, Mr [redacted] applied for a First Progress account on March 5, 2015, at 4:pm, on our website, www.firstprogress.com Two emails were sent to Mr [redacted] , at [redacted] , the same email address provided in this complaint, on the same day he submitted his application The first email sent to Mr [redacted] confirmed receipt of the deposit funds The second email alerted Mr [redacted] with the following “Your application has been received for review and will be processed promptly If approved, you should receive your new card by mail within to days.” A link is also provided to allow Mr [redacted] to view his application status online As Mr [redacted] states he does not wish to continue his application, we will not proceed with processing it We have canceled his application as of March 10, 2015, and refunded his deposit of $ in full We are sorry that Mr [redacted] does not wish to continue with his First Progress application 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-

May 25, 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 In order to complete processing of Ms [redacted] ’s application, a letter was sent May 4, advising additional information was needed to verify her identity; however, a response was not received We have also searched our records, but cannot find any call or correspondence received from Ms [redacted] requesting cancellation of the applicationUpon receipt of Ms [redacted] ’s complaint, First Progress has refunded her the $security deposit If there are any additional questions, Ms [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-

[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 While I admit my statements were inconsistent after speaking with the male representative ultimately led to the change of heartI hope to do business again with First Progress one in the future Regards, [redacted] ***

face="Times New Roman"> December 12, 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] applied for a First Progress account on October 16, Mr [redacted] ’s application was approved November 3, Upon receipt of a $security deposit, a card was issued, and mailed to the address provided on the application, [redacted] *** On November 7, 2014, a letter First Progress had sent to Mr [redacted] , dated October 20, 2014, was returned with a forwarding address from the US Postal Service At this time, we updated his address per the US Postal Service’s notification to [redacted] *** All additional correspondence, including his card, mailed prior to November 7, was also returned by the US Postal Service On November 24, 2014, his card was returned At this time, we sent a letter to the PO Box address provided by the USPS, requesting Mr [redacted] call us so we could verify his address prior to issuing a new card Mr [redacted] spoke with Customer Service on December 10, 2014, and his address was once again updated, to [redacted] ***, and a new card has been issued Mr [redacted] should receive the card within 7-business days As a courtesy, we have waived the late payment fee of $26, charged on December 10, 2014, however, payment of $ for the annual fee is still due If there are any additional questions, Mr [redacted] may contact 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-

April 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 According to our records, Vesta, a telecommunications provider, obtained an authorization of $against Ms [redacted] ’s account on April 5, at 8:pm As a result, that amount was removed from the available credit on Ms [redacted] ’s accountThe merchant could reverse this authorization at any time via the MasterCard system, which would result immediately in the restoration of available credit to Ms [redacted] ’s account To date, they have not done so If the merchant does not submit a transaction corresponding to this authorization by April 21, 2014, we will replace the available credit on Ms [redacted] ’s account as a courtesy If [redacted] has any additional questions, she may contact our Customer Service Department at ###-###-#### Sincerely, First Progress cc: [redacted] Synovus Bank PO Box Columbus, GA 31902-

March 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 Upon receipt of the complaint, our Customer Service department reached out to Ms [redacted] to assist Our supervisor was able to activate her card directly; however, as Ms [redacted] requested that the account simply be closed at this point, we did so and credited the annual fee in full Her security deposit was refunded in full directly to the card she used to make the payment on March 6, If Ms [redacted] has any additional questions, she may contact our Customer Service Department at ###-###-#### Sincerely, First Progress cc: [redacted] Synovus Bank PO Box Columbus, GA 31902-

September 11, 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] may not have used his First Progress account for any purchases since February 27, 2014, nor had any balance since his last payment was received on March 21, 2014, bringing his balance to $0, however as the account was still open, on July 31, the annual fee of $was assessed to his account Mr [redacted] closed his account on August 6, As a courtesy we have credited the annual fee, and a refund of his security balance in full, $2000, has been issued on September 11, He should receive his refund within 7-business days 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] [redacted] [redacted] [redacted] ** [redacted]

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.It is now July 17th and my bank (where the money initially was taken from for this credit card) has not received any notification that funds will be transferred back in to the account This was as of 12:p.mPDT Regards, [redacted]

face="Times New Roman"> January 30, 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 First Progress did send a letter dated November 6, 2014, to Ms [redacted] requesting additional documentation in order to complete review and approve her application for a First Progress secured credit card To date, we have not received any documentation from Ms*** The “Fund Later” fee of $is a non-refundable fee, as specified on our website, www.firstprogress.com, however, as a courtesy we have issued a refund to the card used as payment of this fee If there are any additional questions, Ms [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-

October 1, 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 assist Mr***’s account was opened on February 27, 2014, with the address as specified on his application, as well as this complaint Nevertheless, on April 14, 2014, correspondence which we had mailed to Mr [redacted] was returned to us by the USPS as “RETURN TO SENDER /ATTMEPTED - UNKNOWN/ UNABLE TO FORWARD” A copy of this USPS sticker on the envelope is in our records A hold on further correspondence, which prevented further transactions as well as late fees from assessing on the account pending a new address from Mr***, was therefore placed on the account Since a balance was owed as of the March statement, but no minimum payment due was received by April or by May or by June 19, the account went delinquent by 31-days as of June 22, when we reported the account to the consumer reporting agencies Mr [redacted] made a payment of $on June and another payment of $on June 26, bringing his account current at that time, and confirmed the address of record on the account as valid, at which point we removed the hold code Because the USPS inexplicably informed us that the only address we had for Mr [redacted] was invalid, although this was in fact the address to which they delivered correspondence to Mr [redacted] both before and after the period in question, we have as a courtesy asked all three consumer reporting agencies to remove the negative reporting provided on this account during this period 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-

September 3, 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, [redacted] account was closed due to non-payment on June 20, A payment of [redacted] was received on June 21, and an additional payment of $was received on July 2, 2014, which paid the balance in full On June 24, the deposit of [redacted] , used to secure the line of credit, was applied against the balance of the account, resulting in a credit balance of [redacted] As per the Cardholder Agreement, the refund of the Security Deposit can take up a period of to weeks, and the refund in this case was consistent with the terms of the Cardholder Agreement However, we could have provided better service in this instance On July 23, 2014, Mr [redacted] called our Customer Service Department in regards to his security deposit, as he had not received a refund yet The agent he spoke with correctly advised him that it can take up to days to receive the refund after an account has been closed, as stated in the cardholder agreement However, Mr [redacted] should have been advised he could have expedited his refund via a written request Mr [redacted] called our Customer Service Department on August 19, 2014, to find out when he would be receiving his refunded security deposit Unfortunately, the refund was not issued as he was advised, and he was told that it would be issued first thing in the morning on August 20, However, due to processing timeframe, the check was issued on August 23, and Mr [redacted] should receive the check within 7-business days of August We are sorry we did not provide prompter service to Mr [redacted] , but hope that his refund has been fully resolved at this point If Mr [redacted] has any additional questions, he may contact our Customer Service Department at (866) 706- Sincerely, First Progress cc: [redacted] Synovus Bank PO Box Columbus, GA 31902-0120v

face="Times New Roman"> August 17, Revdex.com Attn: [redacted] 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 First Progress cannot accept credit or debit cards for payments due We accept and credit all payments mailed to the payment address, as well as payments initiated electronically by financial institutions First Progress received a payment of $electronically from MoneyGram on August 8, and credited this payment to Mr [redacted] ’s account the next business day, August 10, as shown on the statement dated August We reported Mr [redacted] ’s account as current to the three major credit reporting agencies after the statement The account has only been delinquent prior to August 10, as the minimum due by July 9, as shown on the statement dated June 12, was not received To date the account has never been reported by First Progress as 30+days delinquent If there are any additional questions, Mr [redacted] may contact Customer Service Department at [redacted] 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 [redacted] Columbus, GA 31902-

August 5, 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 Ixander [redacted] We remain committed to maintaining a high level of customer satisfaction and appreciate the opportunity to assist Our records indicate after the activation of the card on July 25, 2015, the next call received was when our automated system was contacted in relation to this account on October 14, 2015, at 4:p.mThe call was disconnected by the caller at 4:p.m., prior to being connected to a customer service representativeThe next call received was to our automated system on Tuesday, November 3, 2015, at 11:pm, in relation to this accountThe call was disconnected by the caller at midnightThe final call to our automated system was received on January 7, 2016, at 6:p.m., and disconnected by the caller at 6:pm, before connecting to a customer service representative On April 14, 2016, a call was received by a customer service representative, to dispute a transaction posted by “Bridgeton Gulf” in the amount of $24.37, but not any other statement transactionsMr [redacted] then called again on April 18, in relation to this dispute, and was advised his account had been credited for this transactionThe credit appeared on the statement dated April 27, Enclosed are copies of all statements, from November to present, showing the many transactions for which the card has been used If Mr [redacted] has any additional questions, he may contact our Customer Service Department at (866) 706- Sincerely, First Progress cc: [redacted] Synovus Bank PO Box Columbus, GA 31902-