First Progress Card

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.]
Regards,
[redacted]
 
 
Dear Revdex.com,
The response is totally disingenuous. Many of their costs are self-inflicted for not having simply come to terms with me concerning their own bad service. For them to think this response or any other that doesn't refund most of my annual fee is going to ingratiate me to them or not warn others of their lousy service is silly. Exactly how much is it supposed to cost them to use my money and the money of others to provide this so-called service? I understand they must have clerical costs, etc., but I don't see that they are risking any of their own money.
I guess they can call this a 'win' for themselves by not agreeing to refund the annual fee. And I guess they can feel very proud of themselves for fulfilling one of the two promises of their phone representative. I would be interested in finding out how many others have bothered to file complaints against them.
Thank you for your efforts.
Sincerely,
[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.I called First Progress was advised to send in documents  where payments were debited sent over information supporting  payments were made, company said not sure what happened and to make payments again ,made payment on 9/19  for 458 was advised can make payment on Tuesday tried to make payment for 197 won't process ,this the last day I can make the rest of the security deposit ,when I call this company I get different answers  they told me payment would post today still hasent 
Regards,
[redacted]

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March 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.
 
The phone number provided in this complaint,
(888) 403-4784, is not, nor has ever been, a First Progress telephone
number.  Upon receipt of this complaint,
our Customer Service supervisor, [redacted], contacted Mr. [redacted], and we believe
we have successfully answered Mr. [redacted]’s questions. 
 
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

April 4, 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.
Mr. [redacted] had two First Progress accounts. According to our records, Mr. [redacted] opened these accounts in March 2015 but did not make any payments for seven months after August 2015. As a result, the monthly account statements beginning with the statement dated December 12, 2015 showed the account as past due. The accounts were finally closed for nonpayment in March 2016.
The account statements were mailed each month to the address of record, [redacted], and are provided at no charge in the online Customer Center at www.firstprogress.com. We notice, however, that the address Mr. [redacted] put on his correspondence, [redacted], is not the address of record he provided for his First Progress Card accounts. Perhaps he moved but did not provide us with his new address until now?
First Progress agents stand ready to take calls at the number provided on the back of each card between the hours of 9 am and 9 pm, Eastern Time, Monday to Friday, as well as 9 am to 5 pm Saturday. Our records show that Mr. [redacted] called and spoke to one of our representatives on April 1, 2016, but not prior to that date.
The credits remaining after Mr. [redacted]’s accounts were paid in full, $1,963 and $263, will be provided to him via a credit balance refund check mailed to the address listed in the complaint, [redacted]. We will issue this check no later than April 7, 2016.
We are sorry that we are unable to reopen Mr. [redacted]’s accounts. 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]s
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.]
Regards,
[redacted]

size="3" face="Times New Roman">
October 28, 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 to hear of Ms. [redacted]’s health
issues and would like to assist her at this difficult time.
According
to our records, the last call to our Customer Service department from Ms.
[redacted]’s number was on September 29, 2014. We have reviewed the recording of the
call, and found that Ms. [redacted] initially asked if she could change her due date.
Our customer service representative responded that this was not possible (as
per established First Progress policy, the cycle date cannot be changed). When
our representative suggested if Ms. [redacted] was unable to make a payment, the
option to close was available, Ms. [redacted] declined, stating directly that she did
not want to close the account. We could
not find any point during the call where Ms. [redacted] requested that the account be
closed.
Ms.
[redacted] made her last payment on October 1, 2014, in the amount of $50.00.  However, she continued to use her card for
purchases until November of 2014, with five purchases other than the Walgreens
purchase referenced in the complaint detailed on the account statements.  Our search of the phone records did not
locate any call from Ms. [redacted] during November 2014.
The
account therefore remained open until it was closed due to non-payment, in
February, 2015, the balance due exceeded the amount of the security
deposit.  The balance included the annual
fee of $39.00, assessed on December 31, 2014. 
We have waived the most recent annual fee, assessed prior to the
account’s closure for nonpayment, as a courtesy.  The account still has a balance due of $145.22.  Prompt payment of this amount would cause us
to report the account as current; however we cannot change the historical
reporting of delinquency on the account, as we are obliged by federal
regulations to report accurate account information.
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

March 9, 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.
Mr. [redacted] applied online for a First Progress card on February 27, 2016. As part of the application process, he expressly authorized First Progress to obtain the $200 security deposit and supplied a MasterCard ending in 5603 from which these funds should be obtained. First Progress responds to all completed applications within 30 days. Expedited processing was offered as an option, but Mr. [redacted] did not request it.
On March 8, 2016 Mr. [redacted] requested that his application be withdrawn. As a result, the $200 has been returned effective today to the MasterCard account in which the funds were withdrawn.
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] Reeves
Synovus Bank
PO Box 120
Columbus, GA 31902-0120

October 21, 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.
Unfortunately, we have no record of any accounts with the name [redacted]. If Ms. [redacted] has used a different name when opening this account, we will need this name to locate her account.
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

September 9, 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.
Ms.
J[redacted] opened her First Progress account on April 28, 2014.  As disclosed in the application process, the
annual fee is billed after the account opening, on the statement dated May 22,
2014 with payment due by June 1, 2014.  
The minimum payment was not received, nor was the statement dated June
22 paid by July 19th.  As a
result we warned Ms. [redacted] on her July 22 statement that her account would be
closed.
The
statement dated May 22 was mailed to the address provided on her application [redacted]. 
However the statement was returned by the US Postal service with a new
address on June 30.  At this time, we
updated the address to [redacted], and
remailed the statement to the new address.
We have researched the calls
Ms. [redacted] refers to in her complaint. 
In the August 19 call,we found that Ms. [redacted] provided her account
number for the payment, but then when asked by our agent to repeat it gave the
account number with one fewer digit. 
This second number was what was entered and as a result not
identified.  Our agent should have
detected Ms. [redacted]’s error and asked her a third time.
Ms. [redacted] is correct
regarding her August 26 call, in that our agent should have noted that the
August 19 payment had been returned due to the incorrect account number.   We apologize for the omission.
We are sorry that Ms. [redacted] felt payments were difficult to make. First Progress accepts payments from
online billpay services, third party payment providers such as MoneyGram, and
always by mail at the address preprinted on all statements. We think Ms. [redacted] misunderstood that processing a
credit balance refund can take up to 10 days; a refund has been issued
by mail as of September 5, 2014.
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 v

[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.
Action already taken care of thank you very Much first progress
Regards,
[redacted]

January 30, 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 follow up correspondence on behalf
of [redacted]. We remain committed to
maintaining a high level of customer satisfaction and appreciate the
opportunity to assist.
 
First Progress does not issue “prepaid credit cards”.  Mr. [redacted] applied for, and was approved
for, a secured credit card, in which he provided a deposit of $500 to secure
the line of credit with this account. 
 
At the time of application, Mr.
[redacted] agreed to the Electronic Communications Agreement by clicking “Yes, I Consent
to the Electronic Communications Agreement”. 
The agreement states : “By checking
the Electronic Communication checkbox, you indicate that you have reviewed this
Agreement including the disclosures which follow below, and that you consent to
our electronic delivery to you of the categories of legal agreements and other
notices and disclosures (collectively, “Disclosures”) listed below. You also
agree that your signing electronically any of the agreements listed below, or
your completing or signing this online Application for the secured credit card
account or any acknowledgment or ACH authorization we provide you
electronically in connection with your Application or the secured credit card
account or related security Deposit account, shall constitute your signing and
delivery of such agreements, or your completing or signing and delivery of such
Application, acknowledgement or authorization, as the case may be, to the same
extent as if you completed or signed and delivered to us a paper version of
same. You agree to maintain a valid email address as long as you have this
secured credit card account or related security Deposit account, including any
replacement or substitute account for either (together, all of the foregoing
are referred to below as the “Accounts”), and to promptly notify us of any
change in your email address. You acknowledge and understand that our ability
to provide you information and notices is dependent on your maintenance of a
valid email address.” 
 
In addition, a copy of the
Cardholder Agreement was mailed to Mr. [redacted] with his card at the time the
account was opened.   A copy of that
agreement is attached for your reference.
 
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

I did eventually receive the card, however, that was only a portion of the complaint.

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.]
Regards,
[redacted]
 
 In reference to the letter sent to Revdex.com,
The letter sent to me dated February 27, 2014 was not received until March 7, 2014 (9 days later).  In the letter it stated the identity verification information required and  a due date within 15 days of the letters date.  That will require me to provide the information by this Friday the 14th.  Therefore  time is limited.  The letter gave no fax information. 
If  my initial calls had been answered or my messages responded to I could have taken care of this in an expedited manner.  Another option would have been for the company to list the required identity verifications on the online update notes as well as mail the letter.  Tomorrow, Monday,  I will try the new  phone number provided in the recent letter I received .  Hopefully when I call this situation will be settled.
I appreciate the letter to Revdex.com verifying the payment process.
**

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September 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.
 
Our
records confirm First Progress did receive a completed Declaration of
Fraudulent Activity (DFA) form from [redacted] on June 24, 2015.  In error, this was not processed correctly,
which then resulted in the disputed charges being applied back to the account,
with a balance due of $120.00.  Due to
this error, there have also been late payment fees and purchase finance charges
assessed on the account.
 
We
have reopened the investigation of these charges.  Due to our error, all late payment fees and
purchase finance charges assessed, a total of $117.14, have been removed from
the account.  These credits will appear
on the October 4, 2015 billing statement. 
Additionally, we have submitted an update to the major credit reporting
agencies to remove the incorrectly reported delinquencies from First
Progress.  We apologized for the
inconvenience this has caused.
 
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

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.]They never notified me the payment did not go through. A simple phone call is expected. Notification via mail is demanded. I paid $10 to have a customer service rep make the initial transaction for me. Common courtesy would dictate they contact me in some fashion. My account history shows I pay the balance every month and I had in excess of $70,000 in my checking account. This is outrageous. I am going to sue them in Small Claims court. 
Regards,
[redacted]

Well, It looks like I am not the only one that is highly dissatisfied with this company! I have the same problem with being charged late fees though I paid 2 payments in one month , several different times to be a payment ahead. I also talked to a customer service rep that could not help me ... They have plan rotten policies about their bill cycling periods so they can get away with charging you late fees again and again. I was given no help to correct this problem what so ever. I guess the only way to do it is pay the account in full and close the account....... Not a Good experience!

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.]
Regards,
[redacted]
 
 
Dear Revdex.com,
The last two responses are simply avoiding to address the problems. They need to get a clue. Without a refund of my annual fee, I will not accept their warm and fuzzy regards as an acceptable settlement.
Thank you
[redacted]

[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]
I would also like to add this. My payment of 110.00 was not declined by my bank. As the company stated my account was funded in the total amount on the 8th. Why was my account not activated the next business day as the company stated it would do? Thank you very much for your assistance.

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.]
Regards,
[redacted]  This is one of many reference I received that payment went through. I want THIS REMOVED FROM MY CREDIT AND CREDIT REPORT I ALSO WANT A LETTER REMOVING THIS FROM MY CREDIT REPORT. This experience has been very stressful, & Depressing. As I told you I am a service-connected Disabled Veteran.

March 13, 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.
Our employees cannot help but resent the accusation that First Progress is “not being truthful”.   We have demonstrated a good faith commitment to address any and all consumer complaints, and take care to investigate each complaint seriously, regardless of the tone in which it is delivered.
To prove First Progress’s integrity, we have mailed to the Revdex.com a copy of the check envelope as received back from the USPS complete with the attached USPS “return to sender” notice.  We hereby provide the Revdex.com full permission to pass this image to Mr. [redacted] should he have any further doubts in this matter.
Sincerely,
First Progress
cc:        [redacted]
            Synovus Bank
            PO Box 120
            Columbus, GA  31902-0120