First Progress Card

May 26,
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 opened an account for Mr*** on May 10, and mailed the card, along with other information about his new account, to him at *** *** ***, Fort *** ** ***, the address he provided with his application and the same address as is listed on the complaintHowever, the cardmailer was returned to us by USPS on May 23, with the label “RETURN TO SENDER/NOT DELIVERABLE AS ADDRESSED/UNABLE TO FORWARD”
We are sorry that Mr*** did not receive his card promptly; however, we suggest he take up this issue with the USPSWe can provide an image of the envelope as USPS returned it if needed
As per Mr***’s request, we have closed the account already opened, waived the annual fee assessed upon opening the account, and refunded the $security deposit he had provided
We’re sorry we were unable to serve Mr*** better
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-

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.[Provide details of why you are not satisfied with this resolution.]
Regards,
*** ***

December 14,
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, the statement dated September 4, showed a minimum payment due of $by October No payment was received, and a late payment fee of $was assessed on October The statement dated October showed a minimum payment due of $by November A payment of $was received and credited on October In the call on October 9, Ms*** informed of the late payment, and First Progress waived the $fee assessed on October as a courtesyHowever, no further payment was received by November A late fee of $was therefore assessed on November 4, which was shown on the statement of that date, along with the minimum payment due of $by December When no further payment was received by this date, a late fee of $was assessed on December 2, and the account had become days past due by the next statement dated December
First Progress reports its accounts regularly to the credit bureaus, both in the cases when payments have been promptly and when they have notFirst Progress does not skip reporting during months when payments are made promptlyWhen reporting to the credit bureaus has been accurate, we are unable to remove the delinquencies reported on the account, in accordance with the provisions of the Fair Credit Reporting Act, which obliges us to report accounts correctly
After reading Ms*** complaint, a recording of the call was reviewed for quality assuranceWe found that when Ms*** asked for a supervisor, our customer service representative *** informed her that Jon was on a call*** explained that any reporting dispute must be submitted in writingMs*** accepted the correspondence address, but said she would like the adjustment made today & agreed to hold*** returned & responded that she had spoken with her Supervisor, but that we would not be able to make the adjustment today*** again asked Ms*** to submit a written requestMs*** said she disagreed, requested the name of *** Supervisor, & ended the call
We agree with Ms*** that she should have had the option to speak with the supervisor, and apologize that our representative did not provide further options given that a supervisor is unavailable at the time of the callHowever, we cannot adjust the credit reporting as requested
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-

November 23,
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 received a payment in the amount of $on November 6, This payment was made by “Checkfree” through the MasterCard RPPS online electronic systemUnfortunately, Checkfree made the payment to Biller ID “***” (Merchant Name: FIRST PROGRESS REMITTANCES) instead of the Biller ID “***” (Merchant Name: SECURITY DEPOSIT FIRST PROGRESS)As a result, the payment was posted as a payment against the card rather than toward the $security deposit required to open the accountOn November 18, we corrected this and moved the payment to the account that holds the security deposit to reflect a payment towards the security deposit has been receivedWe advise that Ms*** make certain that any additional funds toward the security deposit are made to the Biller ID *** for faster crediting
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-

December 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
Upon receipt of this complaint, we reached out to Mr***, as he stated he was unable to reach our customer service departmentWe identified with Mr*** the number he was calling (888) 403-4783, is our application inquiry line, not our customer service line, which is (866) 706-Upon discussing the issue with Mr***, and providing him with the correct phone number to contact customer service, Mr*** opted to close his account due to the payment options available for the First Progress Card
As of December 2, 2016, Mr***’s account has been closed, and the security deposit of $has been applied against the outstanding balance dueA refund of $has been issued via checkMr*** should receive his refund 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">
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
First
Progress has reported Mr***’ account every month to all three national
credit bureaus since June 2013, when his account was opened. We can confirm that there have been no 30+
days delinquencies reported to the credit bureaus
The
annual fee for this account, which has not changed since it was disclosed in
the application process, has been billed to the account each year in June. The annual fee, which was presaged on
the June 4, statement with a message, and billed on the statement dated
July 4, with a payment due date of August 1. Our records do not show any payment of this
fee by that date
First
Progress accepts and credits all payments mailed to the payment address
provided with every statement, without any fee, at any timeFirst Progress
also accepts payments initiated electronically by financial institutions, also
without any feeThe only time First Progress charges for a payment is if made
by phone with an agentThis fee is fully disclosed in the Cardholder Agreement
*and* at the time of the call, and is only assessed if the cardholder
asks to proceed with the phone payment
As
requested, we have closed the account, and credited the $security deposit
against any outstanding balance due. We
have also, as a courtesy, waived the annual fee, late payment fee and phone
payment fee. A check has been issued to
Mr*** in the amount of $365.00. Mr
*** should expect to receive this 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-

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. Please note that I have not yet received a "Declaration of Fraudulent Activity' to date but will gladly complete and return the form as soon as I receive it (as requested by the company).Also note that to date, the $fraudulent charge is showing as returned by First Progress in the banking account in question.I have notified the bank involved to that effect.NOTE:I had a difficult time finding a phone number to contact First Progress about the fraudulent charge.The number provided on the web site was never answered when called.I searched online for quite a length of time to find a phone number that got me through to report the fraudulent charge and ask that the card be cancelled.Such being the case, one suggestion for the business:Perhaps they should place a number on the business web site that one can call in case they experience a fraudulent charge as I didIt is indeed very upsetting to find such an unexpected charge fearing identity theft may have occurred.To have to 'search online' at length to find a contact phone number that actually worked for the business involved only added to that stress.Such a phone number would go along way in releiving the stress created for the victim of the fraudulent charge
Regards,*** ***

December 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
On November 29, 2015, the pattern of use for Mr***’s account was potentially indicative of a card that may have been stolen, as measured by the scoring system used across the credit card industryThis triggered a temporary block on the account, which was placed on the night of November 29thWhen Mr*** spoke with us on November and verified the charges, the block was immediately removed
We note Mr*** does have two First Progress accounts, and the other account remained fully available for use even during the hours that the first account was blocked
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-

September 10,
Revdex.com
Attn: *** ***
12th Street
PO Box
Columbus, GA
RE: *** ***
Case
No.: ***
Dear *** ***
We are in receipt of your follow up correspondence on behalf
of *** ***. We remain committed to
maintaining a high level of customer satisfaction and appreciate the
opportunity to assist
The letter Mr*** received, dated
August 6, 2014, serves as the confirmation that his account was closed, per his
request, on August 6.
Mr*** last statement, dated
August 22, 2014, reflects a credit of $after the security deposit of
$was credited to the balance is due to the fact that the annual fee of $
was not waived until September 1, 2014, which is after the statement was mailed
to Mr***. The credit of $and a
refund of the security deposit in full, $300.00, which was issued on September
4, 2014, will be reflected on his September 22, statement. Mr*** should receive his check within
7-business days from September
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: *** ***
*** ***
** *** ***
*** ** ***
*

">
September 24,
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*** states he has called
First Progress to complain about our phone system for over a year. After review of our records, we could find
only one telephone call from Mr*** during 2014, during which we have no
record of any complaint from Mr*** in regards to our phone system not
working.
First Progress calculates the minimum
monthly payment due as per the Cardholder Agreement. At the time of Mr***’s account was
opened (March 21, 2013), the calculation was for the minimum payment to be the
greater of 5% or $35. On June 30, 2014,
Mr*** received an email notification of a change in these terms, sent to
the email address on record for this account, ***, as at time Mr*** submitted his application,
he had checked the box consenting to Electronic Communications of important
notices regarding his account:
You must indicate you’ve read and consent to the
Electronic Communications Agreement:
Yes, I consent to the Electronic Communications
Agreement.
This change in terms, which changed the calculation for the
minimum payment to be the greater of 5% or $37, included “PLEASE NOTE: As of
August 15, 2014, you will no longer be able to initiate ACH payments through
www.firstprogress.com. Your ability to continue
making payments to us by mail and ACH payments initiated through your own
financial institution or a third party will not be affected by this change.” to
highlight the change to payment methods
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-

">
October 1,
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 always accepts
payments made by mail to the payment address printed on every statement: PO Box 84019, Columbus GA, 31908-4019, as
specified in the Cardholder Agreement.
We are also pleased to accept ACH payments initiated through a
customer’s financial institution or by a third party. However, First Progress is not able to
initiate ACH payments on behalf of customers other than through the actions of
our customer service representatives. We
do offer this optional service, but at a $fee, as specified in the
Cardholder Agreement (“Expedited Telephone Payment Fee: We may make available at our customer service
number an expedited telephone payment service involving assistance by one of
our associates or agents. We will charge
a $Expedited Telephone Payment Fee for each expedited payment authorized by
telephone in this way.”) The fee is also
redisclosed to the customer when a telephone payment is requested, in order to
give customers the ability to avoid paying for the service. Mr*** chose to proceed with the telephone
payment on September 22,
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 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, 2014, First Progress
mailed a Declaration of Fraudulent Activity form to Mr***, listing
transactions, including the transaction on September 8, to *** in
the amount of $8.88. We requested Mr
*** to review, sign and return the form to us.
When the form was not returned to us, the transaction with ***
was rebilled to the account as a valid charge.
All other charges that were being disputed had been credited back by the
merchants prior to this date.
As stated on the reverse of all
billing statements, we must receive written notification of disputed charges
within days of the date of the statement in which the charge appearsOn
January 10, 2015, Mr*** contacted us in regards to the rebill of the
transaction, and a request to resend the Declaration of Fraudulent Activity
form was submitted. A second Declaration
of Fraudulent Activity form was mailed to the address on file for Mr
***. This form was signed and dated
February 5, 2015, and returned to us on February 12, 2015. Unfortunately, the timeframe in which Mr
*** was able dispute the charge had already passed, as per MasterCard
guidelines, and we were unable to dispute the charge any longer. Mr*** was sent a letter to advise the
charge was out of timeframe to dispute, as First Progress does not have any
chargeback rights for this transaction.
As Mr*** was not advised during
his call on January 10, that this charge could not be disputed, we are
crediting Mr***’s account as a courtesy for the disputed charge of $8.88, as
well as crediting all late payment fees and interest charges assessed as a
result of this disputed charge. His
next statement, which will be mailed out after May 4, 2015, will reflect these credits. We have also submitted an update to the major
credit bureaus to remove the past due reporting that was reported to the credit
bureaus on April 4, 2015.
We have closed Mr***’s account,
per his verbal request, on April 9, 2015, and the security deposit of $has
been credited to his account. We have
issued a credit balance refund in the amount of $on April 16, 2015.
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">
January 9,
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
June 30, 2014, Mr*** received an email from First Progress to advise of a
change in terms, which specified “PLEASE NOTE: As of August 15,
2014, you will no longer be able to initiate ACH payments through www.firstprogress.com; Your ability to continue making payments to us by
mail and ACH payments initiated through your own financial institution or a
third party will not be affected by this change.” The change in terms also
allowed customers to opt out by closing the account rather than accepting the
new termsThis change was necessitated by fraudulent misuse of the ACH system
by other accountholders
First
Progress always accepts payments made by mail to the payment address printed on
every statement: PO Box 84019, Columbus GA, 31908-4019, as specified in the
Cardholder AgreementWe are also pleased to accept ACH payments initiated
through a customer’s financial institution or by a third partyAdditionally,
ACH payments can be taken by our live representatives, but at a $fee, as
specified in the Cardholder Agreement (“Expedited Telephone Payment Fee: We may
make available at our customer service number an expedited telephone payment
service involving assistance by one of our associates or agentsWe will charge
a $Expedited Telephone Payment Fee for each expedited payment authorized by
telephone in this way.”)
We
reviewed the call from September 5, 2014.
Mr*** gave permission for our agent to speak with his wife. Mrs*** was advised upon closure of the
account, the $security deposit would be applied towards the balance of the
account, $312.32, and Mr*** would still be responsible for payment of the
remaining $12.32. It was explained that
the account was over the limit by $due to the late fee that was assessed
on September 2, 2014. Mrs*** asked
if the fee could be waived, however our agent confirmed the account has had
fees waived in the past and the fee would not be removed. At the end of the call, the agent summarized
the call by letting Mrs*** know that the account would be closed by the end
of the day and the remaining balance of $would still need to be
paid.
To
date, we have not received any additional payments, resulting in the account
becoming days past due. We cannot
remove this valid reporting from Mr***’ credit report as this has been
accurately reported We have, however,
as a courtesy removed all of the late payment fees still outstanding on the
account, so that Mr*** no longer has a balance owed. The courtesy credit of $and the
balance of zero will appear on his next 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-

face="Times New Roman">
March 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
When a cardholder closes their First
Progress account, the security deposit is applied against the outstanding
balance of their account. We do advise
it can take up to weeks for their security deposit to be refunded in the
form of a credit balance refund check, as per the cardholder agreement, unless
a written request to issue the refund is received
As a courtesy, upon receipt of this
complaint, on March 5, 2015, we have issued a credit balance refund in the
amount of $535.82. Mr*** should
receive this check within 7-business days of this date.
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-

"margin: 0in 0in 0pt;" class="MsoNormal">
April 13,
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 has no record of any
claims from Ms*** in regards to any errors made by First Progress in the
posting of any payments made to her account.
If Ms*** has documented proof, such as a cashed check, showing
where First Progress has cashed a check prior to posting the payment to her
account, we will be more than happy to research this on her behalf
According
to our records, the account statement dated November 12, listed a minimum
payment of $due by December No payment was received by that date, and a
late fee of $was assessed on December The following account statement
dated December 12, listed a minimum payment of $due by January 9,
No payment was received by that date, and a late fee of $was assessed on
January On January 16, 2015, First Progress received an electronic payment
from *** on behalf of Ms*** for $This was credited to her
First Progress account that same day
The account was days past due
as of January 12, 2015, and we reported this to the credit reporting agenciesWe
were able to credit the account for the $late fee on March 26, as a
courtesy
More recently, Ms*** has
provided documentation of her attempt to submit a payment to her bank’s vendor,
***, but which was never received by First Progress. In recognition of this apparent error by ***,
we have waived the negative credit bureau reporting resulting from this missed
payment. This is an unusual, onetime
circumstance to attempt to address Ms***’s situation in good faith
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-

face="Times New Roman">
July 17,
Revdex.com
*** *** ***
*** *** ***
** *** ***
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
Ms
*** contacted First Progress on April 7, 2015. In error, her account was not closed until
June 19, 2015. Due to this error,
several merchants were able to submit recurring monthly charges to Ms***’s
First Progress account
We
have issued credit for all charges made after April 7, 2015, as well as removed
any penalty fees that accrued due to our error.
Additionally, on July 14, 2015, we submitted an update to the major
credit reporting agencies to remove the negative reporting that has occurred
due to this error.
If
there are any additional questions, Ms*** 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
*** *** ***
*** ***
** *** ***
*** ** ***

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.
This issue has still not been solvedThere still holding my money and act as if they don't know where it isMy bank has called them on several occasions letting them know the payment would not be reversedAt this point I would like to see the money posted to my accountIt's been days and this is ridculous [Provide details of why you are not satisfied with this resolution.]
Regards,
*** ***

[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,
*** ***

I find it impossible to reach anyone by phone to discuss my accountI've tried via their website as well as phone numbers I got online, but no one is ever available to talk toyou can only get account balance informationWhy is it impossible to speak to a live representativeI'm having my doubts about this company

[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,
*** ***