First Progress Card

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 serviceThe 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-

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.] I have already done thisFirst Credit asked me to fax my statement prooving I paid themI faxed it yet they don't give me an answer or even respond to itWhy do they ask me to fax it and say once they see they it has been posted they will credit my account then not do itThey are liarsThey take peoples money Regards, [redacted]

January 18, 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 Ms [redacted] ’s bank has made payments to First Progress on her behalf, not via guaranteed electronic funds transfers, but via paper checks mailed to our mailing addressThese funds are not being guaranteed by U.SBank, N.A.; the checks could be dishonored by the bank Ms [redacted] ’s most recent payment of $was received and posted to her First Progress account on January 3, While the payment was credited to the account the same business day as receipt, a hold on the available credit may be placed for up to days until we are certain that the funds will be honored by Ms [redacted] ’s bank If there are any additional questions, Ms [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-

August 15, Revdex.com Attn: [redacted] 12th Street PO Box Columbus, GA RE: Cheryl Kato Case No.: Dear Rosemarie Cook: 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*** successfully scheduled payments on our website in December 2013, January and February On March 13, 2014, Ms*** scheduled her payment in the amount of 70.00, however the bank account information that she provided was invalid The issuing bank rejected the payment for “No account/Unable to locate account” MsKato was also successfully able to schedule payments on our website on April 4, May 17, June and July These payments were also rejected by the issuing bank for “No account/Unable to locate account” When a cardholder submits a payment on our website, the cardholder is responsible for keying in the bank account information and verifying it to their bank account information (matching the account number and routing number that appear at the bottom of a check) When submitting the payments, Ms*** has acknowledged that she verified the information she was submitting was correct Upon consecutive returned payments, we are not able to allow Ms [redacted] to submit payments via our website any longer If her bank account information is correct, she will need to contact the issuing bank as to why they are rejecting payments that she has attempted to initiate electronically Ms***s account was closed at her requested on August 4, 2014, and the security deposit of $was refunded as a credit to her account There is a remaining balance due of $13.28, by September 1, If there are any additional questions, Ms [redacted] 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, [redacted] cc: [redacted] Synovus Bank PO Box Columbus, GA 31902-

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 againThis will satisfy my complaintI have researched this and it can be doneThe $is the least if my worriesThat will not get me into the last process of closing on my future home for my familyI feel first progress can do more and are not being sympathetic to my problem they causedThe sole purpose of me getting this card was to better my future Regards, [redacted]

size="3" face="Times New Roman"> March 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 In November 2013, the US Postal Service provided us with notification updating the address on Dr [redacted] ’s account to [redacted] ** [redacted] According to the complaint this address is incorrect We suggest Dr [redacted] take this issue up with her local post office, and could provide an image of the USPS notification if it would be helpful Prior to this complaint, First Progress has not received a request, written or verbally, from Dr [redacted] , wishing to close the account We regret that she did not contact us directly with her request Now that we have received her request, we have closed the account, and are refunding her security deposit of $in full via check to the address provided on this complaint, [redacted] ** [redacted] All fees that have been assessed on the account have been removed, and we have submitted a correction to the credit bureaus to reflect the account as being closed at the consumer’s request If there are any additional questions, Dr [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-

November 23, 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 We have researched our records, but as of November 22, 2016, we have not received these payments, neither electronically nor via mailWe advise Ms [redacted] dispute these payments with her bank for immediate creditShould Ms***’s bank acknowledge an error on their part in issuing these payments, First Progress will waive any late fees and correct her credit reporting If Ms***’s bank sent physical checks for each of these payments, and they have been cashed, we request a copy of the front and back of each check be provided in order to assist us in researching these payments, as we are unable to locate any physical checks for the said amounts in Ms***’s name that have been receivedIf the payments were received by First Progress, and somehow not applied to Ms***’s account, we will waive any late fees and correct Ms***’s credit reporting If there are any additional questions, Ms [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-

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 belowI received an e-mail shortly after filing this complaint today, indicating that a refund has been issued to my account As of this moment, the money is NOT in my account and there are no pending deposits according to my bank I didn't appreciate the tone of the business letter The customer service number I called I had to HUNT for on the internet There is no number currently listed on their website and since I didn't have the card (I returned it, remember) I had no other option for contact except snail mail This is one of the reasons I decided not to deal with this company The business did not address credit bureau reporting I would like any activity from First Progress removed from my credit history, specifically Experian Regards, [redacted] ***

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

face="Times New Roman"> April 22, 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 First Progress has no record of Mr [redacted] contacting us to update his address at any time As per the cardholder agreement Section 15, Notices: “You promise to inform promptly in writing of any change in your address or other contact information” We did mail a statement to Mr [redacted] dated July 4, 2014, to the address we had on file, [redacted] ** [redacted] This was returned to us by the postal service as “Not Deliverable as Addressed, Unable to Forward” When this was returned, on July 31, 2014, a hold was placed on the account, as we did not have a valid mailing address for Mr [redacted] , to prevent any further correspondence to be sent to an invalid address The hold also prevented Mr [redacted] from being able to use his card, as cardholders typically contact us when their card is declined, yet they know there is available credit to use As we had not received any calls or written correspondence from Mr [redacted] until April 8, 2015, after his account became days past due, we did not have a valid address to send his statements to The address on file was updated with Mr [redacted] on April 8, and the hold was removed from the account As a courtesy, we have submitted an update to the credit bureaus to remove the late payment from his credit reports 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-

August 12, 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 First Progress would like to offer the Revdex.com the opportunity to review our call recordings with MrMarrero, as an unbiased body, to confirm we have handled the calls with Mr [redacted] as we have stated If Mr [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-

December 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 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-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-

'Times New Roman July 29, Better Business Bureau 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] states he sent a written account closure request on April 22, We have reviewed our records, but we were unable to locate any written correspondence received from Mr***We were also unable to locate a record of Mr [redacted] calling on June 10, to follow up on his account closure requestCalls are recorded for quality assurance and other purposes We do have record of Mr***’s request to close his account on July 16, with our Customer Service DepartmentAt this time, Mr [redacted] was advised it may take up to days to receive a refund of his security deposit, to allow for any pending transactions to post to the account However, Mr [redacted] requested an expedited credit balance refund check from [redacted] , our customer service supervisor Our record of Mr***’s call entirely supports his statement that he was promised an expedited refundUnfortunately, Mr [redacted] left of vacation before he completed the taskWe apologize for the failure to follow up On July 28, a credit balance refund in the amount of $was issued and mailed to Mr***, to the address on file and on the complaint, [redacted] Mr [redacted] should receive the check within 7-business days If there are any additional questions, [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-

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] ***

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 itI'm glad my cussing bothered them! After numerous calls every time I had to pay a bill, I was a little angryI 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]

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.My bank has reclaimed the $deposit that I made with this companyHowever, I just received a bill statement from First Progress today, April 6, stating that I owed $29.00, which is due on April 09, In addition, I checked my credit report, First Progress Card information has not been deleted from any of the credit reporting agencyPlease delete this information from my credit file as soon as possibleAlso, please delete my name or any information about me from your database and STOP sending me a bill statement Regards, [redacted] ***

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, 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, 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-

August 16, Revdex.com Attn: [redacted] 12th Street PO Box Columbus, GA RE: [redacted] B [redacted] Jr Case No.: [redacted] Dear [redacted] ***: We are in receipt of your correspondence on behalf of [redacted] B [redacted] JrWe remain committed to maintaining a high level of customer satisfaction and appreciate the opportunity to assist Our records indicate Mr [redacted] has begun four applications between August and August 8, Mr [redacted] has not completed any of these applications, nor has he provided any type of deposit to First Progress for any of these applicationsIf Mr [redacted] wishes to be approved for a First Progress secured credit card, he will need to complete one of his applications, and provide a security depositOnce Mr [redacted] has completed an application and provided the security deposit, we will be happy to process his applicationAt that time, First Progress will be able to attempt an authorization with his other credit card to provide the security deposit to fund a First Progress account in his name 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"> April 7, 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 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 Mr [redacted] ’s payment due date was March 9, and we did not receive his payment until March 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 customerFirst Progress also accepts ACH payments initiated by another financial institution, also as no charge to our customerOnly payments taken with the assistance of a live operator, as per the Cardholder Agreement and as disclosed during the call, are subject to the $fee Since Mr [redacted] opted to close his account, we have applied his $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-business days 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-

September 24, 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] ’ First Progress account was closed, as per his request, on September 9, At this time, his security deposit of $ was applied against any outstanding balance on his account Mr [redacted] has a credit balance of $ at this time As per the Cardholder Agreement, the refund of the Security Deposit can take up a period of to weeks However, Mr [redacted] was advised by our Customer Service agent on September 18, that he could send a request to our correspondence address, by mail or fax, to request an expedited refund, which we would be happy to honor We are considering this complaint as his written request for an expedited refund and he should receive a check within 7-business days for $ If there are any additional questions, [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-