First Progress Card

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March 5, 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.
 
Ms. [redacted] did speak with our customer
service department on January 24, 2015 to make a payment for the balance in
full on her account as of that date,$366.43, after having a late payment fee of
$37.00 waived as a courtesy.  However,
when the payment was made, Ms. [redacted]’s account was already 30+ days late.  As shown on the statement dated November 22,
the account had a payment due by December 19, 2014 that was not received,
resulting in the account becoming past due; the statement dated December 22
then showed the past due payment, and the payment due by January 19, 2015.  So by January 22, 2014 the account was
reported as 30 days delinquent.  While we
were able to waive the late payment fee as a courtesy, we cannot change
previously made credit reporting that was accurate.  Since this account did go more than 30 days
past due, we were unable to change this reporting.
 
When the payment of $366.43 posted
to her account, the balance was indeed $0. 
On  January 30, the annual fee of
$44 was assessed.  This of course did not
prevent the account from being reported to the credit bureaus as current on
February 22, 2015.  This resulted in her
account having a balance due of $44 on her February 22 billing statement, which
reflects a minimum payment of $37 due by March 19, 2015, to keep the account
current and in good standing.  
 
Because the
reporting to the credit bureaus was accurate on the date reported, in
accordance with the provisions of the Fair Credit Reporting Act which requires
us to report accounts correctly, we are unable to remove the delinquency being
reported on the account. 
 
We are truly sorry we are not able to help with her housing
situation.  If
there are any additional questions, Ms. [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

I have bad credit and applied for a credit card to help fix my credit. I questioned them about fraudulent charges on my account and they told me they'd look into it and get back with me... after about a month (of not using my card) I made a call to them to check the status and they informed me that my account was closed and not available to be re-opened. I never received any paperwork on any instructions or any information. All I wanted to do was make my account right and be able to use it again. The card was not only unavailable to be re opened but they charged me annual fees, kept my deposit, and still asked hundreds of dollars from me. This company takes advantage of people with poor credit and I would not recommend them to ANYONE! Horrible customer service horrible company.

[A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], 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,
[redacted]
 
 
To Whom it concerns at Revdex.com,
I have talked with a representative, [redacted], at First Progress. He said he would send a request to 'corporate' to close my account with its balance of $121.79. In addition, he said he would request a pro-rated refund of the $44 annual fee. If 'corporate' follows through and accepts this settlement I will be perfectly satisfied. I am not going to cut up the card at this point but will not use it. The account has been closed according to their representative anyway. Hopefully, there will be a speedy response and settlement ([redacted] indicated it should be within a few days, i.e., by next Wednesday).
I would request that you leave this matter open until I actually have my refund. I will contact you as soon as that happens.
Thank you very much for your help in this matter.
Sincerely,
[redacted]

January 22, 2016
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.
Instructions are provided within the First Progress Card online Customer Center for how our customers may use online billpay for their convenience:
To make a payment directly from your bank, login to your financial institution’s online banking account and locate the online bill payment section. You must be enrolled in your bank’s online bill payment service for this payment option; please check with your bank regarding any fees they may charge for this service.
First Progress Card does not operate this online bill pay service. According to our records, the only payment received for this account via this service was received January 13, 2016, and credited to the account on the same day. If Mr. [redacted] attempted to make other payments but was unable to do so successfully, we recommend he contact his financial institution. In addition, payments on the Card have always been accepted, at no charge, at the address listed on every statement: PO Box 84019, Columbus, GA 31908-4019.
According to our records, Mr. [redacted] called the First Progress Card Customer Service center on three occasions: October 12, December 9, and December 16. On the first occasion, Mr. [redacted] made an expedited telephone payment. The fee for such a payment, as specified in the application disclosures as well as before a payment is processed, $10, was waived on that occasion. Mr. [redacted] also made an expedited telephone payment during the call of December 9, without the fee being waived. We have no record of other attempts at contacting the Customer Service Center, which is open Monday to Friday 9 am to 9 pm eastern time and on Saturday from 9 am to 5 pm for the convenience of our customers.
Mr. [redacted] began using the First Progress Card on August 8, 2015. These telephone payments were the only payments made on the card during 2015. As a result, one late fee was assessed for the payment due but not received by September 27, and another on November 25. In response to the Revdex.com, we have therefore waived one of these late fees as a courtesy.
The account remains open and current at this time. However, we do not appreciate Mr. [redacted]’s repeated use of profanity on calls with our customer service representatives. While Mr. [redacted] states in his complaint that he is unhappy with the service provided to date, we can assure him we are unhappy with his phone behavior. Hopefully both of us will be better pleased with the relationship in future.
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.] What action did they offer?? They said they were crediting back the over limit and late fees, they have yet to do it. I'm glad my cussing bothered them! After numerous calls every time I had to pay a bill, I was a little angry. I would like someone from the Revdex.com to attempt to call first progress and see how many times the call is dropped or your request can't be completed . I was told that they would credit the over limit and late fees and that's what I believe should happen. 
Regards,
[redacted]

I ordered my card with the intentions of having a certain color choice and chip technology into my card. Only ,multiple pages on their site the advertise cards with the newest chip technology. But when I called to ask about it they said that the do not offer chip technology and that you do not get the choose a certain card look. It's all to lure people in which is false advertising. The lady said they will look into it but have yet to contact me back. There cards are just plain green credit cards . I was looking forward to sleek nice blue or black cards with the newest chip technology embedded in the card and that is just false. It's all a big lie!! I'm so disappointed

Hi, my payments to first progress card is due on the 1st of each month. So I send the payment in about 21 to 25 days early. This past month they received my minimum payment on the 8th of the month which was for july 1st payment. They charged me a $37 fee since they said I was late. But in actuality I was early and paid on time. So I called them and the lady over the phone kept trying to use all types of methods to convince me that I was late, such as saying well maybe your bank sent a check and not an electronic payment. Even though the statement said payment received on the 8th. I don't recommend using first progress card. They are not honest people they just want to get extra money from you.

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.] First Progress still sending response to the complaint that is not what im requesting I still demand that first progress send evidence about the calls I made to custumer service since the day I open the acoount to todays date the letter that first progress send to Revdex.com is most obviously was writed by them not I what im requesting is most obviousli that they are lie to Revdex.com them are trying to hide the records that is save in any accounts above all the calls, that letter that first progress send to Revdex.com is NOT Any record calls  that was just a letter I  demand if first progress dont provide all records calls from me to custumer service where show time date and associate who assist me where look exactly like a record I demand first progress remove inmediately any bill collections at this time most of three times I am requesting them send my calls records and them still sending wrong information.Thanks 
Regards,
[redacted]

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.
As I stated in my original complaint I did use the card to see if�...⇄ /> were posted in November not five as stated in the First Progress res...⇄ /> two were ACH. Those charges made my balance 286.49 which is what I ...⇄ /> I will go over the 300.00 limit and that's exactly what happened. To...⇄
November 04, 2014 statement to 326.92. Even after that you still didn...⇄
get a hold of someone at First Progress and to get a straight answe...⇄
purpose to charge the consumer all these fees but unfortunately in my...⇄ /> On my Sept. 05, 2014 to Oct. 04, 2014 statement the balance was $25...⇄ /> On my Oct. 05, 2014 to Nov. 04, 2014 the balance was $326.92 this ...⇄ /> Post Date TransDate Ref. No. Description or       Amount/Credit Pa...⇄ /> 10-06 10-05 [redacted] NETFLIX.COM CA       $8.64
10-22 10-21 [redacted] WALGREENS [redacted] ** $18.45
11-03 11-01 [redacted]HULU.COM/BILL CA     $7.99
$251.41+$8.64+$18.45+$7.99=$286.49 what put me over my $300.00 balance w...⇄ /> Every month after that I have been charged the $37.00 late fee and ...⇄ /> I called more than 3 times to have my account closed and it was ne...⇄
because we cant trust that they will do the right thing?
If I owe something I will pay it but I don't think that after I h...⇄
should penalized when your company has not followed through.
Since the October 05, 2014 to November 04, 2014 the balance was $326...⇄
spare and my cancer medication is very expensive that's why I’m try...⇄
charged on the account until December. Had the account been closed th...⇄ in November the account never would have been charge the annual fee.
If you in fact remain committed to maintaining a high level of custo...⇄
make here is that I am not making up my illness and as mentioned i...⇄ /> this resolved so this is removed from my credit report so that I ca...⇄
time left so if this business has a heart you will do the right th...⇄ /> I will pay the $26.92 and again request all late fees and negative ...⇄ /> Regards,
[redacted]

This company is awful their customer service number is non existent and it hangs up on you. I applied for this card and decided to go with another company they have yet to refund me my 300 dollars.

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December 12, 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] applied for a First
Progress account on October 16, 2014. 
Mr. [redacted]’s application was approved November 3, 2014.  Upon receipt of a $300 security deposit, a
card was issued, and mailed to the address provided on the application, [redacted]. 
 
On November 7, 2014, a letter First
Progress had sent to Mr. [redacted], dated October 20, 2014, was returned with a
forwarding address from the US Postal Service. 
At this time, we updated his address per the US Postal Service’s
notification to [redacted]. 
All additional correspondence, including his card, mailed prior to
November 7, 2014 was also returned by the US Postal Service. 
 
On November 24, 2014, his card was
returned.  At this time, we sent a letter
to the PO Box address provided by the USPS, requesting Mr. [redacted] call us so we
could verify his address prior to issuing a new card.  
 
Mr. [redacted] spoke with Customer
Service on December 10, 2014, and his address was once again updated, to [redacted], and a new card has been issued.  Mr. [redacted] should receive the card within
7-10 business days.
 
As a courtesy, we have waived the
late payment fee of $26, charged on December 10, 2014, however, payment of $29
for the annual fee is still due.
 
If there are any additional
questions, Mr. [redacted] may contact our 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

March 13, 2014
Revdex.com
Attn: [redacted]
500 12th Street
PO Box 2587
Columbus, GA 31902
       
RE:      [redacted] [redacted]
            Case No.:  [redacted]
Dear [redacted]:
We are in receipt of your follow up correspondence on behalf of [redacted] [redacted]. We remain committed to maintaining a high level of customer satisfaction and appreciate the opportunity to assist.
Ms. [redacted] had trouble logging in to the First Progress Customer Center as she was unaware of her “security passphrase” required for login (all applicants supply their own chosen security passphrase at the time of application).
 
On March 11, she spoke with a Customer Service supervisor, who was able to supply the phrase Ms. [redacted] had chosen at the time of application and reset her login.  We hope that she is now able to successfully access the Customer Center online.  If not, we would encourage her to contact Customer Service for further assistance.
Sincerely,
First Progress
cc:        [redacted]
            Synovus Bank
            PO Box 120
            Columbus, GA  31902-0120

May 27, 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.
A
payment of 75.00 was received on May 1, 2014; however the required minimum
payment due as stated on the April 4, 2014 statement was $107.71. The late fee
of $35.00 was assessed because the payment received was $32.71 short of what
was due.
If Mr. [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

[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 [redacted] 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,
[redacted]

face="Times New Roman">
 
March 16, 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.
 
Mr. [redacted]’s November 4, 2014
billing statement reflects a required minimum payment of $37, due by December
1, 2014.  Payment was not received by the
due date, and a late payment fee of $37 was assessed on December 2, 2014. His
December 4, 2014 billing statement reflects a required minimum payment of $74,
which includes the past due amount of $37, with a payment due date of January
1, 2015.  A payment of $37 was received
on December 8, and a payment of $25 was received on December 30.  Mr. [redacted] only made payment of $62 before
the January 1 due date, $12 less than the required minimum payment.  His January 4, 2015 billing statement
reflects a required minimum payment of $37, due by February 1, 2015.  Mr. [redacted] only made a payment of $25.  His February 4, 2015 billing statement
reflects a required minimum payment of $92.16, due by March 1, 2015.  Payment of $80 was received on February 18,
less than the required minimum payment, and an additional payment of $25 was
received on March 3 in the amount of $25. 
This was received after the due date, therefore an additional late fee
was assessed due to the payment received prior to the due date did not meet the
required minimum payment.
 
First Progress customers receive at
least 25 days to make their payment each month. 
As Mr. [redacted]’s payments did not satisfy the required minimum payment,
the late payments are valid, and we are unable to remove the negative reporting
from Mr. [redacted]’s credit report.  Under
the provisions of the Fair Credit Reporting Act, we are responsible for
accurate furnishings of information to the credit reporting agencies.
 
Payments are always accepted via the
payment address on our billing statements, PO Box 84019, Columbus, GA 31908, as
well as electronically if sent by  the
customer’s bank or credit union.  If a
payment of at least the minimum payment is not received by the due date on the
statement, which in the case of Mr. [redacted]’s account, was the 1st of
each month, a late payment fee is assessed.
 
As per Mr. [redacted]’s request, we have
closed his account, effective March 13, 2015, and the security deposit of $300
has been applied against his outstanding balance.  Mr. [redacted] will receive a refund of the
difference within 7-10 business days.
 
 
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

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April 7, 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.
 
We
are sorry Mr. [redacted] has closed his First Progress account, however, we are
unable to waive the late payment fee of $37, as we had previously waived a late
payment fee in February 2015.  Mr.
[redacted]’s payment due date was March 9, and we did not receive his payment
until March 11. 
 
First Progress offers several payment options.  First Progress accepts payments made by mail
to the remittance address, PO Box 84019, Columbus, GA 31908-4019, never at any
charge to our customer. First Progress also accepts ACH payments initiated by
another financial institution, also as no charge to our customer. Only payments
taken with the assistance of a live operator, as per the Cardholder Agreement
and as disclosed during the call, are subject to the $10 fee.
 
Since
Mr. [redacted] opted to close his account, we have applied his $300 security
deposit against his outstanding balance. 
He now has a credit balance of $3.22, which has been issued in the form
of a check, and he will receive it within 7-10 business days.
 
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

face="Times New Roman">
 
April 17, 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.
 
Mr. [redacted] is being reported to the
major credit bureaus correctly.  We are
enclosing copies of his billing statements, which reflect delinquencies that
have been reported. 
 
Mr. [redacted] claims to have not
received the refund that was previously issued. 
A credit balance refund, in the amount of $66.42, was issued on October
3, 2013.  We are enclosing a copy of the
check, as it was cashed on October 16, 2013. 
We are unable to reissue a check to Mr. [redacted].
 
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

September 3, 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. 
According to our records, [redacted] account was
closed due to non-payment on June 20, 2014.  
A payment of [redacted] was received on June 21, 2014 and an additional
payment of $35.00 was received on July 2, 2014, which paid the balance in
full.  On June 24, the deposit of [redacted], used to secure the line of credit, was applied against the balance of
the account, resulting in a credit balance of [redacted].
As per the Cardholder Agreement, the refund of the
Security Deposit can take up a period of to 10 weeks, and the refund in this
case was consistent with the terms of the Cardholder Agreement.  However, we could have provided better
service in this instance.   On July 23,
2014, Mr. [redacted] called our Customer Service Department in regards to his
security deposit, as he had not received a refund yet.  The agent he spoke with correctly advised him
that it can take up to 70 days to receive the refund after an account has been
closed, as stated in the cardholder agreement. 
However, Mr. [redacted] should have been advised he could have expedited
his refund via a written request.
Mr. [redacted] called our Customer Service Department on
August 19, 2014, to find out when he would be receiving his refunded security
deposit.  Unfortunately, the refund was
not issued as he was advised, and he was told that it would be issued first
thing in the morning on August 20, 2014. 
However, due to processing timeframe, the check was issued on August 23,
and Mr. [redacted] should receive the check within 7-10 business days of August
23.
 
We are sorry we did not provide
prompter service to Mr. [redacted], but hope that his refund has been fully
resolved at this point.  If Mr. [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  31902-0120v

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.I would like for first progress to resubmit my updated status with the three credit bureaus again. This will satisfy my complaint. I have researched this and it can be done. The $10.00 is the least if my worries. That will not get me into the last process of closing on my future home for my family. I feel first progress can do more and are not being sympathetic to my problem they caused. The sole purpose of me getting this card was to better my future.
Regards,
[redacted]

New Roman">
October 23, 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.
First
Progress currently accepts payments through several different means, including
online electronic billpay initiated by customers at their financial institution
or a third party provider, as well as all payments mailed to the remittance address
(provided on each statement, along with an envelope for the customer’s
convenience).  As disclosed at time of
application and in the Cardholder Agreement, payments will be credited on the
business day they are received, but we will need to “hold” the payment until we
are assured that the payment has not been dishonored; this payment hold may
take up to ten (10) days.  Mr. [redacted]’s
payment was received via the fully optional 
telephone payment service and immediately applied against his
outstanding balance on October 6, 2015.  According
to our records of the call, the hold of up to 10 days was disclosed to him at
that time.  This payment was credited to
the account that same day, as shown on the statement dated October 12; but the
available credit was not increased until the hold period had passed.
Per
Mr. [redacted]’s verbal request, on October 13, 2015, we have closed his account,
and issued a refund of his security deposit. 
According to our records of the call, he was informed that, as per the
terms disclosed at the time of application and in the Cardholder Agreement, the
security deposit would be applied against any outstanding balance and any
remaining credit refunded within 10 weeks. 
If a written request is received to expedite the refund process, the
credit refund will be issued within 10 days. 
We have regarded this complaint as a written request and issued the
credit balance refund accordingly.
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