First Progress Card

[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,
*** ***

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 belowI provided this information as requested on November 17th and it was recorded by first progress on November 19th Now the requirements to remove the hold have been changed to state that statement must show the returned payments on the original statement, however the payments were made in November and there is no way to get a statement for this month because it is still the month of November, leaving no option to remove the hold for another 3+ weeks but then states that they need within days of November 6th or they will close the accountThis has now been made impossible to fixThe statement I sent to first progress on November 19th belongs to the account the checks got returned on and is the current statement for the last daysThis clearly shows that it belongs to the account the checks were made on and is what was exactly requested from me to remove this hold not only in the letter that was sent to me but also in the response received by Revdex.com todayPlease remove these holdsChristmas is coming up, please allow a resolution to this instead of needing a statement that doesn't exist till December and won't be evaluated to mid DecemberThanks
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,
*** ***

face="Times New Roman">
February 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
Mr
*** applied, and was approved, for a First Progress secured credit card on
February 25, 2014. His first billing
statement, dated March 22, 2014, reflects a minimum payment for $due by
April 19, 2014. The minimum payment of
$was received on April 22, 2014, days after the specified due date,
resulting in a late payment fee of $25.
As a courtesy, we did waive the late payment fee on April 22.
Mr
*** states he has not used his card since August, however fees have raced
up over $200. Mr*** may have not
used his card since August, however, the last payment we received from Mr
*** was in the amount of $on August 25, 2014, which left a remaining
balance due of $296.59, as reflected on his September 22, billing
statement. Mr*** still is
required to make at least the minimum payment in order for the account to be
current and in good standing. With no
payments received since August 25, 2014, the account became days past due on
December 22, 2014. On January 22,
the credit has been revoked due to non-payment.
After Mr***’s security deposit of $is credited against his
outstanding balance, an unpaid balance of $will remain due. Mr*** needs to make payment as soon as
possible to bring the balance to $
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.When I called to dispute the charges the company advised NOT to pay on the disputed chargesThe late fee was assessed from those disputed charges.
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
[Provide details of why you are not satisfied with this resolution.]
Regards,
*** ***
I am rejecting this resolution until I receive the $refund they promised me on Friday when I was FINALLY able to speak with someone. As far as their comment regarding the fact that I, myself didn't have an application on file, I agree and told them in EVERY SINGLE ONE OF MY MESSAGES to them, that the application was under my fiance's name and not mine. I provided his name and phone number in every message. For them to say they had no application on file is simply skirting the issue at hand. Additionally when I spoke with the representative Friday evening he asked me if I knew the application process could take up to business days, I told him that was understandable but our application had been in limbo since February 10th to which he had no answer.
Upon my refund, I will notify the Revdex.com and the police department but not one second before then. I firmly believe they would have never responded had I not contacted the Police Deptand the Revdex.comThank you for your assistance but I will be telling everyone I know not to do business with this company
***

June 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 only received one piece of correspondence from Mr***, which did contain an updated addressUnfortunately, Mr*** provided an incorrect account number for this account, so we were not able to update the addressFirst Progress Customer Service is available to cardholders at no charge by phone, just by calling the toll-free number listed on the back of the card
In response to this complaint, we have closed the account, and issued a credit balance refund for the full $security deposit via USPS to the new address listed on this complaintMr*** 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-

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,
*** ***

'Times New Roman'">
June 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
*** ***’s
first statement was returned to us, on May 14, 2014, by the US Post Office,
with a USPS sticker indicating a forwarding address of *** * *** *** *** *** *** *** ** ***At that moment we proceeded to update *** ***’s address and removing the previous address of *** *** *** *** *** *** ** *** ***’s card and pin mailer were also returned
to us by the US Post Office, on May 15, 2014, with a USPS sticker with a
forwarding address
On May 19, 2014,
*** *** spoke to our Customer Service Department, where we were advised to
update his address back to *** *** *** *** *** *** ** *** and
reissue a new card and pin mailerOn May 23, 2013, *** *** called and
requested to close his accountA full refund was issued on June 11, in
the amount of $to his American Express card ending in ***
We find it
unfortunate that our relationship with *** *** was terminatedHowever,
due to *** ***’s actions, of providing the US Postal Service with a
forwarding address, we were unable to avoid the tardy delivery of his card and
correspondenceWe hope *** *** finds another card more useful for his
needs
Sincerely,
First Progress
cc: *** ***
Synovus Bank
PO Box
Columbus, GA 31902-0120
v

June 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***’s January 27, billing statement reflects a minimum payment of $with a payment due date of February 24, When payment was not received by this date, the account was assessed a late payment fee of $on February 25, as reflected on the February 27, statement
The February 27, statement reflects a minimum payment of $76, due by March A payment of only $was received on March As a courtesy, a credit was made to the account for the $late fee already assessedBut as the required minimum payment was not received, a late payment fee of $was assessed on March 27, and reflected (with the credit) on the March statement
On March 28, however, Wells Fargo dishonored the payment of $with the reason code of “Customer advises not authorized” and reclaimed the funds paid to First ProgressThe returned check fee of $was therefore assessed on March
Mr*** requested to close his account, which was processed on March At account closure, his security deposit of $was applied against his outstanding balance, leaving a balance due of $83.29, due by May 24, When payment was not received, a late payment of $was assessed on May The current balance due is $To avoid any additional fees, Mr*** must submit payment of $by June Payment can be made via mail or by electronic billpay from Mr***’s financial institution
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-

11pt;">March 27,
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 account on February 07, 2014, at www.firstprogress.comOn February 15, 2014, we emailed Ms*** at *** the same email address on her complaint, a secure link to application status online
On February 21, 2014 a letter was mailed to Ms*** via USPS to *** *** *** *** *** ** ***, the address she provided on her application and her complaint, requesting additional information to verify her identity in order to meet the requirements of federal law. On March 26, 2014, Ms***’s security deposit of $was refunded in full to the VISA ending in from which she had provided the funds
If *** *** has any additional questions, she may contact our Customer Service Department at ###-###-####
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
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 August 4,
2014. A card was mailed to the address
provided on the application, Washington Ave, Hanover PA 17331-1572. The card was returned undeliverable by the
post office with the reason “temporarily away” on August 14,
A new
card was issued upon Mr***s verification of his address on August 20,
2014. The new card was also returned by
the post office undeliverable with the reason “temporarily away” on September
3, 2014. Unfortunately this is an issue
Mr*** will need to contact his local post office to resolve, as it appears
that they have a hold on mail delivery to his address. First Progress has no control over the post
office returning mail
At
Mr***’s request, his account was closed on September 5, 2014. His security deposit of $has been
refunded against the balance due on his account. As a courtesy we have removed the annual fee
of $39. . As per the Cardholder Agreement, the refund
of the Security Deposit can take up a period of to weeks However with a written request we are able to
expedite the processing of the refund period.
As a special courtesy in this case, given the known problem in Mr***s receipt of his mail, we have refunded the $in full to Mr***’s
card account used in making the deposit originally, the VISA ending in ***
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
31902-0120
v

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 bStating that I am not paying the minimum amount due is incorrectI pay what is on the statement and sometimes moreI have called and I am treated badlyI have also printed out my statement and sent them into the business and nothing.
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
I was forced to choose that option because of errors on the website and was told by a customer service representative that they were having site problems and that I would be refunded for the charge.
Regards,
*** ***

March 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
We have checked our records but have received no record of
an address change
Statements are available at all hours at our online Customer
Center, where we observe Mr*** had set up an online id
We are sorry that Mr*** closed his accountAs a
courtesy, we have waived the last two late fees and removed the negative credit
bureau reporting of the delinquency of the accountA check for his remaining
credit of $has been issued and mailed as of March 3,
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-

"">
November 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
We understand Mr***’s frustration. On October 28, Mr*** spoke with our
supervisor, ***, who has attempted to help.
The late payment fee assessed on the account was waived as a courtesy. Also, he has had the mail room searched. However, the payment has not been found. If Western Union has any evidence of it
having been cashed, please let us know
As noted on the back of the
statement, payments must be accompanied by the remittance coupon from your
statement. Remittance coupons from other
statements, even those of spouses at the same address, are not a
substitute. As of today, a payment is
stull due on the account. In addition to
mail payments, we are also pleased to accept ACH payments initiated through a
customer’s financial institution or by a third party. ACH payments can be taken by our live
representatives, but at a $Expedited Telephone Payment Fee for each
expedited payment authorized by telephone in this way
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-

March 27,
"margin: 0in 0in 0pt;">
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 account on March 17, 2014, at www.firstprogress.com. On March 20, 2014, *** *** called and spoke to one of our customer service representatives and requested his application be withdrawn. His security deposit of $was refunded in full on March 21, to the MasterCard ending in *** from which he had provided the funds.
If *** *** has any additional questions, he may contact our Customer Service Department at ###-###-####
Sincerely,
First Progress
cc: *** ***
Synovus Bank
PO Box
Columbus, GA 31902-

'Times New Roman'">
July 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
*** *** applied for a First Progress account on
January 17, at www.firstprogress.comThe address listed on the application was *** * *** *** ** ***However, we note that the address listed on the
complaint is *** *** *** ** ***
On January 20, 2014, the account was opened and the
card was mailed to the *** * *** *** ** ***, as indicated on the
applicationTo date, neither the card nor the statement dated January 22,
February 22, March 22, April 22, May and June 22, have been returned to us
by the US Postal Service
We received a
credit dispute verification form from Equifax dated April 11, on behalf of
*** ***, disputing the First Progress tradeline on the credit reporting
agency file as “Not his/hers.” First Progress responded to this dispute with
the citation of the account opened pursuant to the application
As a courtesy, we have waived all
the late fees incurred by this account, totaling $These credits will
appear on the statement dated July 22, After closure, and crediting of
the security deposit, the account was reported current on June 23, to all
three credit reporting agenciesUnfortunately, we are unable to change the
historical reporting of this account, or to
reopen it
The
credit balance remaining on the account, totaling $will be provided back
to *** *** via a credit balance refund check to the address of the
complaint; *** *** *** ** ***, on July 23, If *** *** has moved to a different address, please contact Customer Service at
(866) 706-during our hours of Monday to Friday, am to pm Eastern Time,
or Saturday, am to pm Eastern Time
We
are sorry we were not able to better serve *** *** as a customer
Sincerely,
First Progress
cc: *** ***
Synovus Bank
PO Box
Columbus, GA 31902-

March 7,
"margin: 0in 0in 0pt;">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
Unfortunately, we do not have any information for an applicant or cardholder under the name *** ***. As we are only able to discuss the status of an application or account with the applicant/cardholder, we request that Ms***’s fiancé contact our Customer Service department at ###-###-####
Sincerely,
First Progress
cc: *** ***
Synovus Bank
PO Box
Columbus, GA 31902-

July 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
We have reviewed Mr***’s account, and the information as reported does not reflect a bank errorWe are therefore unable to fulfill his request for an amendment to his credit files
First Progress sincerely apologizes for being unable to provide further assistanceUnder the Fair Credit Reporting Act, we are responsible for accurate furnishing of information to the credit reporting agencies
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-