First Progress Card

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January 28,
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
Our records indicate Mr[redacted]
was provided with copies of his billing statements, per his request for a
validation of his alleged debt, on July 29, 2014. A second request was received and fulfilled,
mailed to Mr[redacted] on August 22, 2014.
Mr[redacted]'s account first became
past due in March 2013, when his minimum payment of $35, as stated on his
February 4, billing statement, was not received by the due date of March
1, 2013.
A second past due occurrence in
October 2013, when his payment of $300, received on September 30, 2013, was returned
by the issuing bank for insufficient funds on October 3, 2013. A message was included on his statement to
advise him the account was past due.
Payment was not received by November
4, 2013, resulting in the account becoming 30+ days past due, and a note
included on his statement, advising "late payments, missed payments, or other
defaults on your account may be reflected on your credit report." When Mr[redacted] failed to make a payment by
December 1, a message appeared on his December 4, billing statement
advising him that we have closed his account, as well as a reminder that we may
report late payments, missed payments, or other defaults to credit bureaus
When no payment was received by
January 1, 2014, the account became days past due. On January 15, 2014, Mr[redacted]'s security
deposit of $was applied against his outstanding balance, leaving a
remaining balance of $140.41. Payment
was received on March 7, 2014, bringing the account current with a $
balance.
As the negative reporting to the
credit bureaus is accurate, we are not able to remove this from his reports. Under the provisions of the Fair Credit
Reporting Act, we are responsible for accurate furnishing of information to the
credit reporting agencies
Further copies are attached of the
account statements which were mailed monthly.
Our records of the call to Customer Service do not indicate that a copy
of the Cardholder Agreement was requested, but copies are always available
online at www.firstprogress.com
If there are any additional
questions, Mr[redacted] may contact Customer Service Department at (866)
706-during our hours of Monday to Friday, am to pm Eastern Time, or
Saturday, am to pm Eastern Time
Sincerely,
First
Progress
cc: [redacted]
Synovus Bank
PO Box
Columbus,
GA 31902-

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July 2,
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
Mrs[redacted] submitted an
application via FirstProgress.com on June 23, 2015, with a security deposit of
$300. On July 1, 2015, we received a
call from Mrs[redacted], requesting to cancel the application.
We have canceled the application,
per Mrs[redacted]'s request, and issued a refund to her VISA ending in [redacted] for
the security deposit of $
If there are any additional
questions, Mrs[redacted] may contact Customer Service Department at (866)
706-during our hours of Monday to Friday, am to pm Eastern Time, or
Saturday, am to pm Eastern Time
Sincerely,
First Progress
cc: [redacted]
Synovus
Bank
PO Box
Columbus,
GA 31902-

"">
May 13,
Revdex.com
Attn: [redacted]
12th Street
PO Box
Columbus, GA
RE: [redacted]
Case
No.: [redacted]
Dear [redacted]:
We are in receipt of your
correspondence on behalf of [redacted].
We remain committed to maintaining a high level of customer satisfaction
and appreciate the opportunity to assist
According to our
records, Mr[redacted] applied online for a First Progress Card on March at 1:
PM, including the acknowledgment that "I authorize you to obtain and use
consumer reports on me and exchange information about me in connection with
this application and any update, extension of credit, review, or collection of
my account." We offer an optional Apply Now & Fund Later service for a
non-refundable fee of $29.95, Mr[redacted] then proceeded to select this option
This option allows you to have you application processed and receive your card
before providing the required security depositExpedited Processing is
included (a $value!), and – if approved- your card will be sent to
you for activationYou can then provide the refundable security deposit
anything within days by debit or prepaid card and begin using you card one
business day after we receive your funds
The following box was then checked
by the applicant:
Authorization
By
checking this box, I sign and agree to authorize Synovus Bank (or its agent) to
initiate this debit or prepaid transaction from the account listed above in the
amount of $I hereby agree to be charged this amount as a non-refundable
Apply Now & Fund Later Service fee
Mr[redacted]'s
application was approved on March 26, and a First Progress card in his
name mailed to him on that date. As
provided with the application, he has days from the date of application to
supply the full security deposit in order to activate his account
If [redacted] has any
additional questions, he may contact our Customer Service Department at (866)
706-
Sincerely,
First Progress
cc: [redacted]
Synovus
Bank
PO Box
Columbus,
GA 31902-

"margin: 0in 0in 0pt;">April 15,
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.
Our Customer Service calls are recorded for quality assurance. According to our records, Mr[redacted] called our Customer Service Department on the evening of March 18, 2014. In that call, he requested to close his account, and was advised that, as per the Cardholder Agreement, it may take up to days to receive a refund of his security deposit (in order to allow for any pending or disputed transactions to be resolved)
According to our records, Mr[redacted] called our Customer Service Department in the early evening of March 31, 2014. In that call, he referred to an earlier call in which he was told by one of our representatives that the security deposit refund would be refunded to his original funding account, but we cannot find any record of such a call or statement by our representatives. In the call, Mr[redacted] was advised that if he needed the refund on an expedited basis, he could send a written request to expedite the refund of his $security deposit for it to be completed more quicklyOn April 09, 2014, we received Mr[redacted]'s written request to expedite the refund of his security deposit. On April 10, 2014, a credit balance refund in the amount of $was issued and mailed to Mr[redacted] to the address on file, [redacted] He should receive the check within 7-business days
We at First Progress take all Revdex.com inquiries seriously, and attempt to investigate each one thoroughly. In a review of Mr[redacted]'s calls, we cannot find any record of any reference to the Revdex.com, and we certainly cannot locate any record of any of our representatives saying "We don't care" about complaints to the Revdex.com
If Mr[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-

"">February 28,
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
The $which Mr[redacted] provided when he
applied for his Secured First Progress credit card account acts as collateral
for the credit we have extended to him.
He is still required to make payments against purchases, as the deposit
is held until the time the account is closed.
Mr[redacted] may be confusing this secured card with other cards available
on the market, pre-paid debit cards, which do not report credit to the credit
bureaus
First Progress
offers several options for our customers to make payments. First, as specified in the Cardholder
Agreement, customers can always mail checks or money orders to our remittance
address, PO Box 84019, Columbus, GA 31908-4019, and those payments are credited
on the business day of receipt. However,
checks are subject to banks dishonoring the payment, and as a result, as disclosed
during the application process and in the Cardholder Agreement, payments will
not increase the available credit on the account for up to days (the
"payment hold")
If Mr[redacted] wishes to have
his $security deposit refunded, he may close his account, and the
deposit will be applied as a credit towards any
outstanding balance. If any funds remain
from the security deposit, we would be happy to issue a refund to Mr
[redacted]. The annual fee would, however,
be non-refundable as specified in the Cardholder Agreement
If Mr[redacted] has any
additional questions, he may contact our Customer Service Department at (866)
706-
Sincerely,
First Progres

"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
Mr[redacted] is stating that www.firstprogress.com isn't accurately showing the balance as well as transactionsThe website will reflect the current posted transactions. Any pending transactions will be deducted from the available credit, but not show as a posted transaction until we receive confirmation from the merchant that the transaction was completedAlso, it is important for Mr[redacted] to be aware that no transactions would be allowed if the total exceeds the available credit at that time, Available Credit is the credit limit, minus any posted transactions and minus any pending transactions
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-

"margin: 0in 0in 0pt;" class="MsoNormal">May 6,
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
On December 19, 2013, we received
a request from Mr[redacted], via the remit slip with his payments, to update the
address on both of his accounts, from [redacted] to [redacted].
The statement we mailed to Mr
[redacted] in January, for his account ending in [redacted], was returned by the USPS as
undeliverable. Mr[redacted] updated the
address on this account on February 27, via the First Progress websiteAt
this time, the account ending in [redacted] has a balance of $0.00, and is open and
in good standing. His credit limit on
this account is $300.00, all of which is available for use
The statement we mailed to Mr
[redacted] in January, for his account ending in [redacted], was also returned by the
USPS as undeliverable. We did not receive
anything from Mr[redacted] in regards to this account until March 2013. At this time, the address was updated per his
request. This account is currently past
due, as Mr[redacted] had not made any payments since December 6, A payment
of $was received on May 1, 2014, however this amount did not satisfy the
past due amount and there is a remaining past due balance of $.His
current balance is $107.59. This account
is also open, and once the past due amount is paid; the account will be available
for use
We can assure you that the wait
times Mr[redacted] references in his letter are not typicalIf Mr[redacted] has
any additional questions, he is welcome to contact our Customer Service
Department at ###-###-#### during the hours of am to pm EDT Monday to
Friday or am to pm EDT Saturday
Sincerely,
First Progress
cc: [redacted]
Synovus
Bank
PO Box
Columbus,
GA 31902-

"margin: 0in 0in 0pt;" class="MsoNormal">May 5,
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]'s account was
opened on February 26, On March 20, 2014, we received Ms[redacted]'s card
which was returned by the US Post Office as undeliverable from [redacted]Per our records, Ms[redacted] called to inquire about the
status of her card and was informed that there was a block on her account due
to not having a correct mailing address on fileMs[redacted] provided us with
the mailing address: [redacted]A replacement card
was issued on May 1, 2014; Ms[redacted] should be receiving her new card in 7-
business days
We would also like to clarify
that our phone number is 866-706-not 800-706-5543, as listed in the
complaint
If [redacted]
[redacted] has any additional questions, she may contact our Customer
Service Department at (866) 706-
Sincerely,
First Progress
cc: [redacted]
Synovus
Bank
PO Box
Columbus,
GA 31902-

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February 9,
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
The first letter First Progress
received from Mr[redacted] was dated October 17, 2013, and did not request to
close his account. Mr[redacted] had
requested to have valid negative reporting removed from his credit report,
which we responded to with a decline, as we are required to report accurate credit
history to the credit bureaus.
Mr[redacted] sent the same request
again in a letter dated November 21, 2013, yet again, with no request to close
his account. After November 21, 2013, we
have not received any written requests from Mr[redacted], except for disputes Mr
[redacted] had filed with the credit reporting agencies, claiming that we had
reported his account information incorrectly.
On June 30, 2014, the annual fee of
$was assessed, and reflected on the July 4,billing statementWhen no
payment was received by August 1, the account became past due. When no payment was received for three
consecutive billing periods, on November 4, 2014, the account became days
past due and the credit has been revoked due to non-payment. At this time, the security deposit of $
was applied against the outstanding balance, $($annual fee and late
fees), leaving a credit balance of $125.
The credit balance was issued via check on January 4, 2015, and mailed
to the address on file, [redacted]. As of today, the check has not been returned
by the US Postal Service, and since the check has not been cashed, we have
reissued the check and mailed to Mr[redacted]'s new address, [redacted], which Mr[redacted] updated with our customer
service department on January 27, 2015.
Mr[redacted] should have received the check within 7-business days
We are unable to remove the negative
reporting from Mr[redacted]'s credit reports.
In accordance with the provisions of the Fair Credit Reporting Act which
requires us to report accounts correctly, we are unable to remove the
delinquencies being reported on the account
If there are any additional questions, Mr[redacted] may
contact Customer Service Department at (866) 706-during our hours of
Monday to Friday, am to pm Eastern Time, or Saturday, am to pm Eastern
Time
Sincerely,
First Progress
cc: [redacted]
Synovus
Bank
PO Box
Columbus,
GA 31902-

"margin: 0in 0in 0pt;" class="MsoNormal">May 5,
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]'s account was opened on April 11, On May 1,
2014, we received Mr[redacted]'s card which was returned by the US Post Office from [redacted], with a forward addressWe
proceeded to update Mr[redacted] address to [redacted]
On May 2, 2014, Mr[redacted] called to inquire on the status of
his card where he was advised of the returned mail we received and issued a
replacement card to the address on file and on his complaint; [redacted] should be receiving his new card in
7- business days
If [redacted] has any
additional questions, he may contact our Customer Service Department at (866)
706-
Sincerely,
First Progress
cc: [redacted]
Synovus
Bank
PO Box
Columbus,
GA 31902-

"margin: 0in 0in 0pt;" class="MsoNormal">
November 13,
Revdex.com
Attn: [redacted]
12th Street
PO Box
Columbus, GA
RE: [redacted]
Case
No.: [redacted]
Dear [redacted]:
We are in receipt of your correspondence on behalf of [redacted]. We remain committed to
maintaining a high level of customer satisfaction and appreciate the
opportunity to assist
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 to expedite the refund process
We received a written request from
Mr[redacted] on November 4, 2014, and a refund for the amount of $was
issued on November 10, 2014. Mr
[redacted] should receive his check within 7-business days of this date
If there are any additional questions, Mr[redacted] may
contact Customer Service Department at (866) 706-Monday to Friday, am to
pm Eastern Time, or Saturday, am to pm Eastern Time
Sincerely,
First Progress
cc: [redacted]
Synovus
Bank
PO Box
Columbus,
GA 31902-

April 11,
"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 follow up correspondence on behalf of [redacted]We remain committed to maintaining a high level of customer satisfaction and appreciate the opportunity to assist
We received an application in the name "[redacted]" (not [redacted] as listed in the complaint) online on March 17, On March 28, 2014, we mailed a letter to [redacted] at the address provided on her application, the same as the address on her complain, requesting documentation to help verify her identity, but have not to date received a replyWe also proceeded to send an email to [redacted], the email address provided on the application as well as on the complaint, at 2014-03-01:11:with a link to a secure site where she could view her application statusFederal law requires that we obtain, verify, and record information that identifies each person who opens an account
Given the desired resolution listed in the complaint, we have withdrawn the application and refunded the security deposit in full.
If [redacted] has any additional questions, she may contact our Customer Service Department at (866) 706-
Sincerely,
First Progress
cc: [redacted]
Synovus Bank
PO Box
Columbus, GA 31902-

"">
October 21,
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
On June 30, 2014, Mr[redacted] received
an email to advise of a change in terms.
On August 15, a change in terms went into effect, in which we no
longer accept payments via our website, www.firstprogress.com.
When Mr[redacted] submitted his
application, he checked the box consenting to Electronic Communications of
important notices regarding your account:
You must indicate you've read and consent to the
Electronic Communications Agreement:
Yes,
I consent to the Electronic Communications Agreement
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. As a last resort,
ACH 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 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[redacted] may
contact Customer Service Department at (866) 706-during our hours of
Monday to Friday, am to pm Eastern Time, or Saturday, am to pm Eastern
Time
Sincerely,
First Progress
cc: [redacted]
Synovus
Bank
PO Box
Columbus,
GA 31902-

face="Times New Roman">
 
March 13, 2015
 
 
Revdex.com
Attn: [redacted]
500 12th Street
PO Box 2587
Columbus, GA 31902
       
RE:         [redacted]
                Case No.:  [redacted]
 
Dear [redacted]:
 
We are in receipt of your
correspondence on behalf of [redacted]. 
We remain committed to maintaining a high level of customer satisfaction
and appreciate the opportunity to assist.
 
According
to our records, Mr. [redacted] submitted two separate applications, both in the
early morning hours of November 9, 2014. 
One application was for the First Progress Select card; the other was
for the First Progress Prestige card. 
Both applications were submitted under our “Fund Later” program, which
has a fully disclosed $29.95 fee. 
Notification of these two charges were emailed to Mr. [redacted].
 
Both
applications were approved. On November 15, Mr. [redacted] called our Customer
Service Department to ask why two fees had been charged.  At this time, Mr. [redacted] was advised two
applications were submitted.  He then
asked to close the Select account, and the closure was completed on the same
day.  The other, Prestige, account was
finally funded by Mr. [redacted] on February 25, 2015, and remains open and is currently
in good standing.
 
We
have verified with the credit bureau that only one inquiry from First Progress
is appearing on Mr. [redacted]’s credit report. 
As a courtesy, we would now have refunded one of the $29.95 fees paid,
but Mr. [redacted]’s bank will not accept the refund, given the length of time
passed.  As a result, we have credited
$29.95 to Mr. [redacted]’s open First Progress account ending in [redacted].
 
We
hope that Mr. [redacted] will find that the First Progress Card serves his needs,
as it has successfully served the needs of tens of thousands of other
customers.  If there are any additional
questions, Mr. [redacted] may contact Customer Service Department at (866) 706-5543
during our hours of Monday to Friday, 9 am to 9 pm Eastern Time, or Saturday, 9
am to 5 pm Eastern Time.
 
Sincerely,
 
 
First
Progress
 
cc:           [redacted]
                Synovus Bank
                PO Box 120
                Columbus, GA 
31902-0120

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.[Provide details of why you are not satisfied with this resolution.]All the calls that I made to first progreess was respond by custumer service associates I never disconect any calls without speak with the associates  in my last comunication I demand first progress provide all the original documentation about all the call and notes that they make during any custumers call custumer service this response from the businnes is NOT providing any evidence suporting what they are saying I still demand provide all notes printed by him computer systems where show all the calls notes about my acount if not I Demand First Progres Remove Inmediately Any Billing Collections And Return My Deposit Inmediately, I Dont Accept Any Other Response For That Businnes"First Progress" If dont Provide Copies Of All My Notes Calls" and I would like that reponses and that complaint be open for the public... Thanks any Other Questions Or Information That Yours Need Can Contact me directly Thanks a
Regards,
[redacted]

March 10,
"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
Mr[redacted] closed his First Progress account on December 20, 2013. At the time, he was advised it may take up to days to receive a refund of his $security deposit.
On February 4, 2014, a credit balance refund in the amount of $was issued and mailed to Mr[redacted], to the address on file, [redacted]. Mr[redacted] contacted Customer Service on March 6, 2014, to inquire on the status of his refund. At this time, he was advised of when we had issued the check and to which address it had been mailed
The original credit balance refund check, issued on February 4, 2014, was returned to us by the US Post Office on March 7, 2014. We have reissued the credit balance refund, and Mr[redacted] should receive the check within – business days at [redacted]
If Mr[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-

"margin: 0in 0in 0pt;" class="MsoNormal">April 23,
Revdex.com
Attn: [redacted]
12th Street
PO Box
Columbus, GA
RE: [redacted]
Case No.: [redacted]
Dear [redacted]:
We are in receipt of your follow up correspondence on behalf
of [redacted]We remain committed
to maintaining a high level of customer satisfaction and appreciate the
opportunity to assist
Ms[redacted] opened her First Progress account on March 3,
2014. The card was used for a variety of
transactions. The pattern of
transactions on the account triggered a watch to be placed, and a letter was
sent on April 16, requesting that Ms[redacted] mail in an original copy of
the bank statement used to fund her security deposit. On April 17, Ms[redacted] was advised
that she would have to mail in this document.
However, Ms[redacted] faxed a copy to our correspondence department. We are not able to accept a fax, as the
letter specifically advised
On April 21, 2014, Ms[redacted] called and spoke to our
Customer Service department and closed her accountWe
allow our customers to expedite the refund of their security deposit once their
account is closed. To do so, Ms[redacted]
should have been advised she could have sent a written request to us, and we
would have been happy to expedite the refund of her security deposit. We have accepted this complaint as her
written request to issue an expedited refund on his security depositOn April 23,
a credit balance refund in the amount of $669.67, representing the net
credit balance after the security deposit of $was credited, as well as the
purchases, payments and other transactions posted to the account, was issued and mailed to the address on file,
Lafreniere St, New Orleans, LA 70122-2363.
Ms[redacted] should receive the check within 7-business days
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-

"margin: 0in 0in 0pt;">March 31,
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 first use of his First Progress Credit Card, Mr[redacted] agreed to the terms disclosed in the Cardholder Agreement, which clearly state, "A deposit will not be reflected in your Deposit Account until we are assured that the deposit has not been dishonoredThis payment hold may take up to ten (10) days". A hold for days is due to verification of the funds availability from the account used for payment. Mr[redacted] scheduled his payment via our website on March 6, 2014, with an effective date of March 6, 2014. While the payment was posted and credited to the account immediately upon processing on March 6, a hold was placed on the amount of $until we are certain that the funds will be honored by Mr[redacted]'s bank. Payments are posted immediately upon receipt; however, as stated in the agreement, we do place a hold on the availability of the funds for verification from the bank on which the payment is drawn.
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-

June 30, 2014
Revdex.com
Attn: [redacted]
500 12th Street
PO Box 2587
Columbus, GA 31902
       
RE:      [redacted]
            Case No.:  [redacted]
Dear [redacted]:
We are in receipt of your follow up
correspondence on behalf of [redacted]. We
remain committed to maintaining a high level of customer satisfaction and
appreciate the opportunity to assist.
The
original complaint as received did not reference a call from March 24, 2014. We
have since retrieved and reviewed records of the call. It has been verified
that Mr. [redacted] indeed requested for his account to be closed at that time. We
have refunded in full the $41.56 in question, bringing the account balance to
zero. This adjustment will be reflected on the statement dated July 4, 2014,
for Mr. [redacted] to review. At that time, the credit history will be updated with
all three credit reporting agencies to correctly reflect the payment history on
this account.
We
apologize for any inconvenience this may have caused Mr. [redacted] and we hope
this satisfactorily resolved the issue.
If there are any additional questions, [redacted] may contact Customer
Service Department at (866) 706-5543 during our hours of Monday to Friday, 9 am
to 9 pm Eastern Time, or Saturday, 9 am to 5 pm Eastern Time.
Sincerely,
First Progress
cc:        [redacted]
            Synovus
Bank
            PO
Box 120
            Columbus,
GA  31902-0120

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May 15, 2014
RevDex.com
Attn:
[redacted]
500
12th Street
PO
Box 2587
Columbus,
GA 31902
       
RE:      [redacted]
            Case No.:  [redacted]
Dear
[redacted]:
We
are in receipt of your correspondence on behalf of [redacted].  We remain committed to maintaining a high
level of customer satisfaction and appreciate the opportunity to assist.
Mr. [redacted]’s payment for $35.00 initiated at his
bank and was submitted through the online payments system by his bank’s vendor,
[redacted] with trace number, [redacted]. Unfortunately,
[redacted] did not submit the payment to First Progress Card,
biller id [redacted], but to “SECURITY DESPOSIT,” biller id [redacted].
As
Mr. [redacted] had attempted to make payment due in good faith, First Progress
temporarily credited Mr. [redacted]’s account for $35.00 as of April 28, as
reflected in his statement dated May 4, 2014. However, this credit was not
shown by the processing statement as a payment and therefore did not prevent
the imposition of a late fee. On May 9, 2014, the late fee was manually
credited to the account, as will be reflected on next month’s statement. The
system was also updated to reflect the payment made as well as the removal of
the temporary credit.
We
apologize for any confusion these corrections caused. A copy of this response
will be provided to [redacted], that they might address with
Mr. [redacted] directly how this error may have occurred.
If
[redacted] has any additional questions, he may contact our Customer
Service Department at (866) 706-5543.
Sincerely,
First
Progress
cc:        [redacted]
            Synovus Bank
            PO Box 120
            Columbus, GA  31902-0120