First Progress Card

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September 25,
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, upon
approval for his First Progress account, Mr*** was sent an email on
September 6, providing notification that his card would be created and
mailed within business days of this approval.
The card was indeed created and mailed within business days, to the
address provided on the application, *** * *** *** ** *** *** ** ***.
However, the card was returned by the USPS on September 22, with a
change of address.
Mr*** contacted customer service on
September 13, in regards to having not received his card. At this time the agent updated his address to ** *** *** *** *** ** ***, which matches the address provided by
the USPS on the returned card we have since received. At the time that his address was updated, a
new card was also requested to be sent to his new mailing address, which can
take up to 7-business days to receive.
Our records indicate that Mr*** activated his card 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-

New Roman'">
June 30,
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 26, 2014,
*** *** spoke to our Customer
Service Department to activate her new cardAt that time, *** ***
was advised that her earlier attempt to activate her card through our automated
system was successfulPer review of the account, *** *** has since
successfully made purchases using the card
We apologize for any confusion our automated system may
have caused. We would like to clarify
that our automated system is indeed available hours a day days a weekIf
there are any additional questions, *** *** may contact Customer
Service Department at (866) 706-during our hours of Monday to Friday, am
to pm Eastern Time, or Saturday, am to pm Eastern Time
Sincerely,
First Progress
cc: *** ***
Synovus Bank
PO Box
Columbus, GA 31902-

face="Times New Roman">
July 13,
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
First
Progress reports to the major credit reporting agencies on a monthly basis,
after our cardholders’ billing cycle has ended.
First Progress has reported Ms***’s account every month, beginning
in April First Progress does not
“pick and choose” what information we share with the credit reporting
agencies. Under the provisions of the
Fair Credit Reporting Act, we are responsible for accurate furnishing of
information to the credit reporting agencies
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
cc: *** ***
*** ***
** *** ***
*** ** ***

my first payments went fineas for the last paymentwhen I made it it just kept taking me back to the make a payment page with my previous payments onlyi used my debit card every time, first progress took my moneysaid they didnt and now I have to fax the proof over.well I faxed it overand now when I call,it just rings and rings till it goes to a busy tone.im going to keep calling and callingi might even contact the Revdex.com possibly even file a suit against themi would not recommend them at allyou cant even get a rep on the phone unless you report your card as lost or stolenPEOPLE PLEASE BE AWARE

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October 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
When Mr
*** submitted his application on April 18, 2014, he provided his email
address *** (same
as on the complaint as received) and expressly checked the box consenting to
Electronic Communications of important notices regarding the account
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 optout if they chose to close rather than to accept This change was necessitated by 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
Agreement. 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 $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.”)
First Progress displays our phone
number in various locations for cardholders to easily locate it for when they
need to contact customer service. The
number, (866) 706-5543, is located on the back of every First Progress credit
card, as well as on every 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-

September 21,
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, an account was opened pursuant to Mr***’s online application on July 20, and purchases with the card began on July 25, Due to the number and types of transactions made on the card, the account was flagged by our automated systems for potential fraudA letter was mailed via USPS to Mr*** on August 25, requesting that he provide validation documents within daysWhen no documents were received in that timeframe, the account was closed
Although the card has been used, we have credited the annual fee of $in fullAs of September 19, the account therefore had a credit balance of $We have issued a credit balance refund check for this amount to Mr***He should receive the check within 7-business days
We are sorry that we were unable to serve Mr*** better, however if there are any additional questions, he 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.I've called the customer service line and the dispute line and they have said they have not found the declaration form which is
Not what has reflected on what first progress responseI'm not happy with the service or outcome
Regards,
*** ***

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
According to our records, Miss *** used her First Progress card for the first time on April 14, Her account statement dated April 27, accordingly lists a minimum payment due by May 24, of $First Progress allows a “grace period” of at least days in order for customers to have ample opportunity to make their payment by the due dateWe also provide a payment coupon and a window envelope for customers to make their payment by mailPayments by mail to the specified address are always accepted without any charge and are credited to the account the same business day they are received
We also accept electronic billpay at no charge, and credit those payments to the account the same business day they are receivedWe are sorry that Miss ***’s bank would take substantial time to initiate such payments, but we are unable to affect their process
First Progress is unable to initiate electronic payments for customers on our website because under NACHA rules we would thereby be held responsible for any fraudulent paymentsIn the past we experienced substantial fraud with such online payments, unfortunately preventing us from making this service available more recently
First Progress does try to make available an expedited telephone payment service for a $fee, as specified in the application and account disclosuresIn our customers’ interest, we do not encourage use of this service; we recommend that customers use the mail or electronic billpay services, for which First Progress assesses no fee, insteadWe are sorry that Miss *** experienced a delay reaching a live customer service agent at our toll-free Customer Service number on May However, the number she found in an online search was not the valid number for First Progress Customer ServiceWe would encourage her to call only the number on the back of her card, and we apologize if there is a wait
Upon receipt of this complaint, we contacted Miss *** and accepted a telephone payment from her, waiving the late fee as a courtesyWe can further assure that, as long as her bank honors her payment, her account will not be reported this month to the credit bureaus as delinquent
If there are any additional questions, Miss *** 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-

February 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
We received a certified letter on July 17, from Mr***, requesting to close his account, and refund his security depositIn error, the account was not closed as he requested, and the account has remained open until nowWe have processed his request to close his account, and as of January 29, 2016, the account has been closed
On January 22, 2016, we issued a refund of $100, from a payment we received on November 21, He should have received that check within 7-business days of issuanceOn February 1, 2016, we issued a refund of his security deposit, $300, to the address on fileHe should receive his refund within 7-business days
We apologize for the inconvenience, and 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 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
We received two written requests on
September 19, from Ms*** requesting to close her First Progress
account. The first letter was dated
September 5, 2014, and the second letter was dated September 15, 2014. We have processed her request, and her
account has been closed as of September 22, 2014.
The security deposit of $has
been applied towards any outstanding balance, and there is now a credit balance
of $300.00. A refund has been issued,
and Ms*** should expect to receive her refund check in the mail within
7-business days
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-

July 15,
Revdex.com
Attn: *** ***
12th Street
PO Box
Columbus, GA
RE: *** ***
Case No.: ***
Dear *** ***:
We are in receipt of your correspondence on behalf of *** ***We remain committed to maintaining
a high level of customer satisfaction and appreciate the opportunity to assist
Ms*** did agree to, and provide a fully refundable deposit, to secure an account with First ProgressAs stated at time of application, as a condition to approving an account, applicants must maintain the security deposit
If Ms*** wishes to have her security deposit refunded, it can only be done so upon closure of her accountIf 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
First Progress did receive a payment in the amount of $on November 11, This payment far exceeded the balance due on her account, resulting in a credit balance of $
Ms*** first contacted First Progress on November 14, requesting to have her payment of $returned to herFirst Progress is not able to return the payment itself, however we can expedite a credit balance refund to assistOn November 19, First Progress issued a refund in the amount of $1896.80, mailed to the address on fileMs*** should receive her refund within to business days
We are sorry that we were unable to help Ms*** more expeditiously than thisIf 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">
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
According to our records, Ms***’s
First Progress MasterCard Secured Credit Card has been used for many purchases
and cash advances, and multiple payments have been applied as well. Rather than provide balance information which
is out of date, we would encourage Ms*** to use the online Customer Center
at www.firstprogress.com or to
contact our Customer Service department at no charge
First Progress provides a toll free
telephone number for customers to contact customer service. This number, (866) 706-5543, is located on
the back of their credit card, as well as on each billing statement.
If there are any additional
questions, Ms*** 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: *** ***
Synovus Bank
PO Box
Columbus, GA
31902-

"">
September 11,
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*** 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*** closed his account on
August 6, 2014. 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, 2014.
He 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: *** ***
*** ***
** *** ***
*** ** ***

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 beloonFirst Progress Card is a scam company that only cares about making money off high interest rates off consumers that have been victim of loosing their high.They pretend to care about helping people restore their creditThis is not true.They charge the highest interest rate possible and most importantly make it very hard to make payments on the card so they can charge late fees and report you late payingYou are only allowed to make a payment over the phone with a $service fee or mail a payment.All other companies offer more ways to payThey have illegally reported my account as late.I mailed a payment days prior to the March deadline.and I called to make the payment.I basically paid twice and was reported lateConsumers be warned and google this companies bad reviews.They are a bad companyI am going to report them to the FDIC and any Federal Agency that will listen.I am going to dispute this late payment for the next years as well
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
First Progress is correct in noting that I have a new address. I was unable to provide them directly with said address because, as I stated, I could not get through on the phone lines
I am happy with the refunds, and would like to know when they plan to put the check in the mail, and well as when the credit for will be processed for my debit card
Also, I would note that the information about the time frames for the expedited processing fee are different from what is online and what I was told over the phone (when I could get through). Those time frames are noted in my complaint and in the letter attachment. I believe they should be concerned about wanting to provide potential customers with correct information about their so-called expedited services and the benefits, if any, associated with them
Finally, I am disappointed that they are saying they do not know anything about problems with their phone systems. It happened to me on several occasions that I was disconnected, as I noted. I am happy to provide phone logs, and I would hope they would look into the problem, perhaps by doing some test calls or by surveying their cardholders. Also, because I had to verify my account through the automated system, there should be records of every time I called on their end, to match my phone records. I would not have closed the account if it had not been for the problems with the phone lines. Rather than denying the problem, I would hope they would look into it and resolve the matter
If you could please let me know when the check will be mailed, and the debit card refund processed. Thank you,
Regards,
*** ***

">
October 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
First
Progress clearly lists the customer service phone number on every statement, as
well as our mailing address for correspondence and payments. Our website address is also provided.
On
August 15, 2014, a change in terms went into effect, in which we no longer
accept payments via our website, www.firstprogress.com. *** ***
received an email notification of this change in terms on June 30, 2014, sent
to the email address on record for this account, *** In addition
to the pay by phone feature, cardholders still have the ability to continue to
make payments to us by mail and ACH payments initiated through their own
financial institution or a third party.
When *** *** submitted his application, he 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
According
to our records, *** *** spoke at length with a customer service
representative on October at approximately 7:pm eastern time, but
requested only a $paymentIf Mr*** would like to pay off the balance
in full, 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 partyACH
payments can be taken 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.”)
If there are any additional
questions, *** *** may contact Customer Service Department at (866)
706-during our hours of Monday to Friday, am to pm Eastern Time, or
Saturday, am to pm Eastern Time
Sincerely,
First
Progress
cc: *** ***
Synovus Bank
PO Box
Columbus, GA
31902-

"margin: 0in 0in 0pt;">April 8,
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
[redacted] attempted to log into www.firstprogress.com but was notified that his login or password was incorrect and to call us for assistanceMr[redacted] is stating that a phone number was never provided, which lead him to search online for a First Progress phone numberThe phone number found states it is out of order
First Progress's phone number is in fact ###-###-####, and is in service. There is a toll-free number on the website, but it is NOT the customer service number; that number is not given out to the general public to enable our customers to receive prompter service. The phone number is located on the back of Mr[redacted]' card, as well as on his monthly billing statements Our records indicate that [redacted] called and spoke to our Customer Service department on April 5, 2014, at this time his user name/password was resetMr[redacted] can now view his account activity online. Also his monthly billing statement, dated April 4, 2014, has been mailed and he should receive within 7-business days from that date
If [redacted] has any additional questions, he may contact our Customer Service Department at ###-###-####
Sincerely,
First Progress
cc: [redacted]
Synovus Bank
PO Box
Columbus, GA 31902-

March 7,
"margin: 0in 0in 0pt;">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
Unfortunately, with Mr[redacted] having a common first and last name, Mr[redacted] does not provide sufficient information in his complaint for us to locate his account. We are unable to locate an account under his name with the address or phone number provided on the complaint.
We would hope to persuade Mr[redacted] to retain his First Progress account. He is of course welcome to contact us at the number on the back of his card, ###-###-####, during our hours of am to pm Eastern Monday to Friday, am to pm Saturday, or in writing at PO Box 84010, Columbus GA, 31908-4010. If he would only wish to close the account, he can obtain a full refund of his security deposit to notifying us at this address (please include the full account number for our reference)
Sincerely,
First Progress
cc: [redacted]
Synovus Bank
PO Box
Columbus, GA 31902-

March 7,
"margin: 0in 0in 0pt;">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-