First Progress Card

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November 5,
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 do
advise it can take up to weeks for the credit balance refund to be issued,
as per the cardholder agreement, unless a written request to issue the refund
is received. Mr*** could request
an expedited refund by submitting a written request, and a refund will be
issued within business days
As a
courtesy, upon receipt of this complaint, on November 5, we have issued
the credit balance refund in the amount of $319.67. Mr*** should receive his 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;">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
According to our records, Vesta, a telecommunications provider, obtained an authorization of $against Ms***’s account on April 5, at 8:pm. As a result, that amount was removed from the available credit on Ms***’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***’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***’s account as a courtesy
If *** *** has any additional questions, she may contact our Customer Service Department at ###-###-####
Sincerely,
First Progress
cc: *** ***
Synovus Bank
PO Box
Columbus, GA 31902-

'Times New Roman'">
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
Mr
*** currently has two First Progress accounts in good standingOn March 29,
2014, Mr*** applied for his first account which was a “fund later” account
This application was approved on March 31, Mr*** funded a security
deposit for that application on April 14, and first used his card on April
16,
On
April 23, 2014, Mr*** applied for a second First Progress account; however,
this account he funded with a security deposit at the time of the application
This application was also approved and a card mailed; however Mr*** was
incorrectly informed that he would need to fund the account before this card
could be used
On
May 6, 2014, a Customer Service supervisor spoke with Mr*** and apologized
for the errorIn recognition of our error, we have refunded to Mr*** the
$expedited processing fee paid at the time of this applicationWe
believe that Mr*** is now satisfied
If
*** *** has any additional questions, he may contact our Customer Service
Department at ###-###-####
Sincerely,
First
Progress
cc: *** ***
Synovus Bank
PO Box
Columbus, GA 31902-

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November 3,
Revdex.com
Attn: *** ***
12th Street
PO Box
Columbus, GA
RE: *** ***
Case
No.: ***
Dear *** ***:
We are in receipt of your correspondence on behalf of Devona
***. We remain committed to maintaining
a high level of customer satisfaction and appreciate the opportunity to assist
First Progress accepts customer correspondence at both the
address provided on every statement, PO Box 84010, Columbus, GA 31908-4010, as
well as at our Customer Service center, PO Box 9053, Johnson City, TN
37615-First Progress accepts all payments mailed in proper form to the
payment address listed on each statement and remittance coupon, PO Box 84019,
Columbus, GA 31908-
Our records indicate that Ms***’s statement dated
September 4, listed a minimum payment due of $by October No
payment was received by that dateThe statement dated October therefore
showed the account to be past due, with a minimum payment of $due by
November On October 7, Ms*** contacted our Customer Service Department
and made an expedited telephone paymentA fee of $is specified in the
Cardholder Agreement and the application disclosures, but our customer service
representative waived the fee as a courtesyMs***’s bank dishonored the
payment on October Despite further monthly statements showing the returned
payment and the account to be past due, no further payment was received until
January 13, The account is now closed and paid in full and has been
reported as such to the consumer reporting agencies
A review of the calls with Ms***, recorded for reference, shows that Ms
*** was repeatedly advised by our representatives to submit any credit
disputes in writingHowever, we could not find any instance in which Ms***
was advised that First Progress would waive all late fees (one was waived as a
courtesy) or to change the reporting of historical delinquencies on the
accountWe believe our reporting of the account as current but historically
delinquent is accurate and are unable to remove the delinquencies reported on
the 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-

"margin: 0in 0in 0pt;">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
On July 2, 2013, we received a change of address request from Mr***, on the remittance slip with his payment. At that time, we updated the address, which should have been *** *** *** *** ** ***. In error there was an error in the building number, which resulted in the next statement to be returned to us undeliverableWhen we update an address, a letter was sent out to confirm the address change to Mr***’s old address.
Since the responsibility for this error is ours, we have credited Mr***’s account for subsequently incurred late payment fees in the amount of $and interest charged totaling $18.25, for a total of $credited to the account. Mr*** has been advised of this by phone
The statement dated April 4, reflects a credit balance of $80.32, and as per Mr***’s request a check in that amount has been mailed to Mr*** at his address of record
We hope this resolve the matter satisfactorily
Sincerely,
First Progress
cc: *** ***
Synovus Bank
PO Box
Columbus, GA 31902-

"margin: 0in 0in 0pt;">March 31,
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 stated on the First Progress website, it can take up to weeks to process applications, and we may need to request further information from applicants in order to meet federal requirements to verify identity prior to opening an account. We understand that many of our online applicants are anxious for information prior to that time, however, and try to address this through the following:
1) Online applicants who are uncomfortable or unable to provide the full security deposit at the time of application can choose the “Apply Now, Fund Later” service. This enables customers to fund their account only after they receive the card. For a service fee of $29.95, applicants can wait up to days from the date of their application to fully fund the security deposit, at which point their card will be activated
2) Online applicants who wish to receive their card as soon as possible can choose the “Expedited Processing” service. For a service fee of $19.95, this enables customers to receive their card, which they can activate immediately upon receipt, at least days faster than without the service
3) Online applicants who do not wish to choose either of these optional services are not charged any application fee at all. Moreover, they are emailed, at the email address provided by the applicant on the application, a link to a personalized, secure website where they can check their application status at any time. Applicants do, however, need to check their “junk” or “spam” emails where the link may have been placed by their email service
In the case of Ms***, we received her online application, without neither optional service nor any service fee, on March at 11:pm. We were able to approve her application on March 31, and welcome her as a customer. She should expect to receive her card at the address specified on her application within to business days.
We hope this resolves the matter satisfactorily
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,
*** ***
My complaint was resolved and I received my refund this morning; however, I would like to state for the record, I left ***'s name in every one of my messages to their so called credit department - they even called him once asking for me. I don't appreciate them lying to try and make themselves look good. Again, I will NEVER deal with the likes of these people again. I firmly believe the only reason they have made good on my refund is because I reported them to the Revdex.com and the Columbus, GA police department. I have my money back now after almost weeks of endless phone calls and stress on me - not them. I hope this information gets conveyed to any and everyone who is considering using them as a source for a secured card. Very disgusted and disappointed in their "service."

November 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
In recognition of Mr***’s recent hospitalization, and recent payments received, as a one-time courtesy, we have waived the late fees, in the amount of $These credits will appear on Mr***’s 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-

[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 below.I am not so concerned with being refunded the moneyI am more so concerned with the late payment mark on my Credit Report that has significantly damaged my credit score I would rather First Progress remove the negative remarks on my Credit Report and keep their feesI am not sure why my card was deniedI cut it up and threw it away as I was under the impression that the card was terminatedSo it would have been impossible to have used itI wasn't aware that my credit card was still active until I received a notice form my Credit Report saying I had a late payment with First ProgressThis was a shock! Again, I am more concerned about my credit score, than late feesI have always had the money to pay $late fee's that was never the issueThe issue is that First Progress almost seems to set you up for failure, when most of us are just trying to do our best creating a credit historyMy advice to them is call the person if they are late, I never received a notice, Also set up online bill payIt is 2016, payments via Money Gram and snail mail is completely outdated and insufficient Provide more value, and you will have happy customers, happy costumers equals more business.
Regards,
*** ***

May 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
As per our earlier response, to Case
No***, dated April 10, 2014, a credit balance refund in the amount of
$was issued and mailed to Mr***, to the address on file, *** *** *** *** *** *** ** ***. Apparently the USPS
did not forward the credit balance refund check sent to Mr*** at his address
of record in April, *** *** *** *** *** *** ** *** to the
new address Mr*** listed in his second complaint, *** *** *** *** *** ** ***
Since Mr*** has verified his new
address, we have issued a new credit balance refund check in the amount of
$500.00, which should arrive within 7-business days
If Mr*** has any
additional questions, he may contact our Customer Service Department at ###-###-####
Sincerely,
First
Progress
cc: *** ***
Synovus Bank
PO Box
Columbus, GA
31902-

March 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*** received a credit on February 11, for the $charge he references in his complaintHis statement dated February 12, shows the details of the credit as well as the other purchases and paymentsThe $credit balance on that statement is net of the credit, the payment, and all other purchases made that month
Per Mr***’s request, the account was closed on February 19, The $security deposit was promptly credited to his account as shown on the statement dated March 12, A credit balance refund check for $792.13, or the $security deposit plus the $net credit balance, was mailed to Mr*** on March 12,
The credit history Mr*** had built with the First Progess Card is continuing to be reported to the credit bureaus under the new account number ending in ***We are sorry that he has closed his account and will be happy to serve him in the future if he wishes to open a new 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-

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September 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
When a cardholder closes their
account, we do advise it can take up to weeks for the credit balance refund
to be issued, as per the cardholder agreement, unless a written request to
issue the refund is received. Upon
receipt of a written request for the security deposit to be refunded, we issue
the refund via check within business days.
As a courtesy, upon receipt of this
complaint, on September 2, 2015, we have issued the credit balance refund in
the amount of $448.66. Mr***
should receive his 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-

">
April 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
On November 22, 2013, a customer
service representative assisted *** *** submit a dispute for the amount of
$for a transaction dated for November 7, At the moment this dispute
was filed the transaction of $had not posted to the accountA
transaction for the amount of $did post to the fraud account on December
9, Unfortunately, since this transaction was not part of the current
fraud case at the time of opening, it was processed and posted to the new
account on March 26,
We have
now opened a new case to add the transaction of $from December 7, 2013, and
Ms*** should receive a new Declaration of Fraudulent Activity form (DFA)
within 7-business days. With
completion of the DFA, the credit will become permanent.
If *** *** has any additional questions, he may contact
our Customer Service Department at ###-###-####
Sincerely,
First
Progress
cc: *** ***
Synovus Bank
PO Box
Columbus, GA
31902-

September 29,
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
We are sorry to hear Ms***
seems to be experiencing issues with submitting additional funds toward her
security deposit. As of today, we can
confirm that the remaining amount of $has been received and credited to her
security deposit. The card is now active
and ready for use.
f Ms*** 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-

Couple of thingsThey don't list phone numbers accessible anywhere on their website, it's like they don't want you to call themWhen you do call, they have an automated system saying to 'try again later' instead of putting you on hold through a queue
Two: if you replace your card (like I did when it my original expired) they replaced YOUR ENTIRE ACCOUNTSo when I tried to make a payment through my bank, it wouldn't process! So I then tried to log onto my accountMy credentials were reset! When I called them, they said "what was your last purchase?" I said I didn't knowThey then told me that they couldn't reset my credentials because I couldn't answer the question of my last purchase
So I can't pay and I can't log onto my account to see my balance? This is a disgraceI haven't been able to get ahold of themThe phones just keep ringingWhat am I supposed to firstprogress?

November 30,
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
We are happy to report as of November 24, 2015, First Progress received the necessary documentation from *** Bank, and the hold was removed from each of Mr***’s accounts
We notified Mr*** of our actions, and he was satisfied to have his accounts reinstatedIf 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 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
First
Progress sent a new refund check to Mr*** on August 25, 2015, as stated in
response to his previous complaint (case # ***). The check was mailed to the address on file,
which matches the address on this complaint, ** *** **, *** ** ***
On
September 1, 2015, the refund check was returned to us from the US Postal
Service, with the reason “Temporarily Away”.
Mr*** must speak with his local post office and remove the mail
forwarding/mail hold he has with the post office. We are including a copy of the returned item
for your reference
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.]
This makes absolutely no sense. It took me one day to submit my money and weeks for me to get it back. First Progress is not sorry for the inconvenience. They are using my money to make money. This is not fair and there should be a law against practices like this.
I am not a company. I am not able to make money off of other people's money. Every day that you keep my money in your bank account, you are drawing interest. Will you refund the interest that you made off my money? Why do you have to send me a refund? I sent it to you electronically, so why can't you send it back the same way? Why didn't you just reverse the charges to my back? My bank even contacted you and asked for the refund. Why is it that I have to wait 7-business days? If you sent it out on the 19, it should have been back in my bank account Saturday or maybe the following Monday, November 23, 2015. Why do I have to wait to December 1, 2015? You received it on November 10, 2015.
No I don't accept this and I refuse to do further business with a company that does business like this
*** ***

May 5,
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 per Mr***’s request, we
have closed his account on April 30, 2014, on the same day a refund of his security
deposit was made in the amount of $to the Visa card ending in 9855,
transaction id Mr***’s annual fee of $was credited to
his account on April 30, 2014, as he had not used the First Progress cardOn
May 05, 2014, a refund check f** *** *** *** *** *** *** ** *** *** ** *** *** *** *** *** *** *** ** *** *** ** ***
We regret that Mr*** was
dissatisfied but hope this successfully resolves the situation
Sincerely,
First Progress
cc: *** ***
Synovus Bank
PO Box
Columbus,
GA 31902-