First Progress Card

July 16, 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.
Upon
first use of his First Progress Credit Card, [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 dishonored. This payment hold may take up to ten (10) days”.  A hold for up to 10 days is due to
verification of the funds availability from the account used for payment.  [redacted]’s payment was processed via our
customer service department on July 3, 2014, with an effective date of July 3,
2014.  While the payment was posted and
credited to the account immediately upon processing on July 3, 2014, a hold was
automatically placed on the amount of $359.50 until we are certain that the
funds will be honored by [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. 
No payment hold applies to payments initiated at the customer’s
financial institution and paid to First Progress electronically.
Our
records indicate that [redacted] made several calls regarding this issue, but
do not show that our representatives disconnected any of them.  Nevertheless, we are sorry when a customer
feels that they were not treated with respect, and hope to do better in future.
We
see that [redacted] has used the card at several locations since the payment
hold ended on July 11, 2014.  If there
are any additional questions, [redacted] may contact Customer Service
Department at ###-###-#### 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 26, 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 follow up correspondence on behalf of [redacted]. We remain committed to maintaining a high level of customer satisfaction and appreciate the opportunity to assist.
Thank you for the documentation provided. Researching with the documentation helpfully provided by Ms. [redacted] with the rebuttal, we were able to locate an application completed the following day, April 14, 2016, in the name “Tanya L.” (no “[redacted]”). This application did include a security deposit for $200.
According to our records, this application was not denied, but was withdrawn by the applicant on April 25, 2016. We have therefore refunded the $200 to the VISA ending in [redacted] from which it was paid.
We are sorry for any inconvenience to Ms. [redacted], and hope that this satisfactorily addresses the matter.
Sincerely,
First Progress
cc: [redacted]
Synovus Bank
PO Box 120
Columbus, GA 31902-0120

July 2, 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.
 
We
are sorry Mr. [redacted] was not satisfied with our response.  Thus far, First Progress has mailed 2 cards
to Mr. [redacted].  One was mailed on May 11,
2015 to the address he provided on his application:  [redacted].  This card has not been returned by
USPS. We suggest Mr. [redacted] contact his local post office as it appears there may
be an issue with his mail delivery.
 
On
Mr. [redacted]’s Revdex.com complaint dated June 19, the address of the complainant is
listed as “[redacted]”.  On June 24, therefore, we initiated mailing a
new card to this address.  This card has
also not been returned to date by USPS.
 
We
will close the account and refund the security deposit in full if
requested.  However, refunds are mailed
to our customers via USPS.  We wish to
avoid any further dissatisfaction should we mail the refund check to the same
address Mr. [redacted] has not received the card, so we would request Mr. [redacted] supply
a successful mailing address with his request.
 
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.My bank has reclaimed the $300 deposit that I made with this company. However, I just received a bill statement from First Progress today, April 6, 2015 stating that I owed $29.00, which is due on April 09, 2015. In addition, I checked my credit report, First Progress Card information has not been deleted from any of the credit reporting agency. Please delete this information from my credit file as soon as possible. Also, please delete my name or any information about me from your database and STOP sending me a bill statement.
Regards,
[redacted]

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.
As of October 20, 2016, First Progress has not received a payment from Mr. [redacted]’s bank. We advise Mr. [redacted] verify with his bank if they sent the payment electronically or a physical check. If the payment was a physical check, it can take 7-10 business days to be received. We are unable to post his payment until it is received.
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.]
Regards,
[redacted]
 
 I need a way to be able to pay faster then just by mail or bank account. The transfer takes too long, therefore making me delinquent as well as I have only ever received one bill and it was late. There is no issue with mail delivery in my area. I need to server ties with this company as it is not accommodating enough for me.

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]
Due to me being given direct instructions by an agent with 1st progress and the card was not sent Fede
As promised I feel this is a breach of the interfering and good standing of the company and should not ever besides again.  I fethe company owes me a letter of apology and that this should never happen again

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] applied for a First Progress account on March 5,
2015, at 4:29 pm, on our website, www.firstprogress.com.  Two emails were sent to Mr. [redacted], at [redacted], the same email address provided
in this complaint, on the same day he submitted his application. 
 
The
first email sent to Mr. [redacted] confirmed receipt of the deposit funds.  The second email alerted Mr. [redacted] with
the following “Your application has been received for review and will be
processed promptly.  If approved, you
should receive your new card by mail within 7 to 10 days.”  A link is also provided to allow Mr. [redacted]
to view his application status online.
 
As
Mr. [redacted] states he does not wish to continue his application, we will not
proceed with processing it.  We have
canceled his application as of March 10, 2015, and refunded his deposit of $500
in full.  We are sorry that Mr. [redacted]
does not wish to continue with his First Progress application.
 
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.I asked for them to adjust my credit report to show I did not use 100% of my bal., which dropped my credit score.  I also asked that when I take my "AVAILABLE" balance down to $0, that they cancel the card "cancelled by consumer" and marked as "paid in full".  This is more than fair enough, since the "manager" also told me that "my bank changed their payment method, and this is why they put a hold on my funds", I told him I was looking right at the checks, even gave him the check number's for the 3 previous CHECKS they made out to them and sent the same exact way, and he still argued with me.  I called my bank & they verified I was right.  I have the check copies to send if I have to to prove they are in fault.
 
I want this account closed and marked as PIF when my available balance hits $0, I do not think it's fair I have to wait the 10 weeks for them to send my own money back to me, after they already caused me to be in a financial mess, had to go without gas and groceries for a week and a half! by holding my funds for so long, when they never had before this date.  Put it in this response so I have this in writing and I'll satisfy my response to 1st Progress, until then I will not let this go.
Regards,
[redacted]

face="Times New Roman">
December 8, 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.
 
On
June 30, 2014, Mr. [redacted] received an email to advise of a change in
terms.  A copy of this change in terms is
enclosed for reference.  On August 15,
2014, this change in terms went into effect, in which we no longer accept
payments via our website, www.firstprogress.com.
 
On
December 1, 2014, Mr. [redacted] spoke with our Risk department, to report his
card as lost.  At this time, we blocked
his lost card and transferred it to a new card number.  A new card was requested, which would take
approximately 7-10 business days to receive by mail.
 
On
December 2, 2014, Mr. [redacted] spoke with our Customer Service department, at
which time he cancelled his First Progress account.  His security deposit of $300 was applied
against his outstanding balance of $298.38, resulting in a credit balance of
$1.62.  A refund of $1.62 was issued on
December 5, 2014, which Mr. [redacted] should receive within 7-10 business days
from that date.
 
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

sending authorization to request all my records and notes call with first progress.

December 20, 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]’s First Progress account was opened August 5, 2015, with an annual fee of $29. This fee is due each year at the anniversary of the account opening. A notice is included on the monthly billing statements two months prior, and one month prior to the annual fee being assessed, as a reminder to our cardholders that this charge will appear on their upcoming statement. Our records indicate a statement was returned to us as undeliverable in February 2016. At this time, a hold was placed on Mr. [redacted]’s account, until he contacts us to update the mailing address on file.
Mr. [redacted] contacted us August 12, 2016, at which time we updated the address on file. The annual fee on his account was billed on August 31, 2016 and appeared on his statement dated September 27, 2016. This statement, and subsequent statements, went unpaid.

Given that the account was not used after the annual fee was assessed, we have waived the annual fee, and all late payments and interest that have been assessed to the account. Mr. [redacted] closed his account on December 9, 2016, at which time the security deposit of $750 was applied against any outstanding balance due. As Mr. [redacted] had paid the balance prior, and all fees have since been waived, a refund of $847 has been issued in the form of a check, and he should receive the refund 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

September 29, 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. [redacted] applied, and was
approved, for a First Progress Mastercard on July 16, 2014.  The required security deposit of $300 was
received and the account was opened.  A
card was created and mailed to the address provided on the application, [redacted]. 
On July 31, 2014, the US Postal Service returned the card we had mailed
as undeliverable due to an insufficient address.   
On August 25, 2014, Ms. [redacted]
contacted customer service to inquire about her card. At this time, her address
was updated to add “[redacted]” to the street address, and a new card was
requested.  Her card should have arrived
within 7-10 business days.  However Ms.
[redacted] contacted us again on September 15, 2014 to report she still has not
received her card.  To date, the card we
issued on August 25 has not been returned to us by the US Postal Service.  Another new card was requested on September
15 to be mailed to the same address. 
When Ms. [redacted] had not yet received
her card on September 24, 2014, she contacted customer service again, this time
she has requested to have her account closed, removal of the $44 annual fee and
her security deposit refunded.  We have
closed the account per her request, removed the annual fee and have issued a
full refund of $300 to the credit card used to fund the security deposit.
 
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

face="Times New Roman">
 
August 7, 2015
 
 
Revdex.com
[redacted]
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.
 
In
April 2014, Ms. [redacted] contacted First Progress to dispute a charge from
[redacted] on her account.  The charge
was placed into dispute and an investigation was initiated.  Ms. [redacted] was advised that no fees would
be accrued for this charge while the investigation is in progress.  However, there appears to have been a
misunderstanding, as Ms. [redacted] was still required to make the minimum
payment due on her account as reflected on her billing statements. 
 
As
this charge was the only balance on her account, the late fees that were
accrued were removed from the account. 
At the time the fees were removed, the account was not updated to
reflect that she was not past due, as this was a dispute case.  We have updated her account to remove the past
due history that was reported from the time of the dispute, May 2014 through
August 2014.  A correction has also been
sent to the major credit reporting agencies to remove the negative reporting
that occurred during this timeframe.   
 
If
there are any additional questions, Ms. [redacted] may contact Customer Service
Department at ([redacted] 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]
            [redacted]
            [redacted]
            [redacted]

November 12, 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.
Upon receipt of a cease and desist request on October 15, 2015, First Progress opened up an investigation to the claim of a fraudulently opened account for Mr. [redacted]. According to our records, no further collection calls were made on this account after October 16, 2015.
We have submitted an update to the major credit bureaus, to request the delinquencies on this account be deleted from Mr. [redacted]’s credit report and that the account recorded as fraudulent. It may take the credit bureaus up to 45 days to process the deletion request. A Declaration of Fraudulent Activity has been mailed to Mr. [redacted] for him to complete and return to us.
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: J[redacted]
Synovus Bank
PO Box 120
Columbus, GA 31902-0120

December 15, 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 has no record of a request from Ms. [redacted] to close either of her First Progress accounts prior to September 30, 2015.
According to our records, the last payment received from Ms. [redacted] towards her account ending in 0510, on May 23, 2015, was in the amount of $60, less than the required minimum payment of $72.07 due by June 19, 2015. There were additional purchases made in June, as reflected on the June 22, 2015 billing statement, as well as a late payment fee of $37.00. As no additional payments were received after May 23, the account was past due and assessed late payment fees, as shown on the statements dated June 22, July 22, August 22 and September 22. On September 30, the security deposit of $300 was applied against the outstanding balance of $461.74. A late payment fee of $38 was also waived as a courtesy. A remaining balance of $161.74 remains due and payment is required immediately to bring the balance to $0.
The last payment received from Ms. [redacted] towards her account ending in 7623, on May 23, 2015, was in the amount of $60, less than the required minimum payment of $75.68 due by June 19, 2015. There were additional purchases made in June, as reflected on the June 22, 2015 billing statement, as well as a late payment fee of $37.00. As no additional payments were received after May 23, the account was past due and was assessed late payment fees, as shown on the statements dated June 22, July 22, August 22 and September 22. On September 30, the account was closed for nonpayment. At this time, the security deposit of $300 was applied against the outstanding balance of $457.13. A late payment fee of $38 was also waived as a courtesy. A remaining balance of $157.13 remains due and payment is required immediately to bring the balance to $0.
As the late payment fees were accurately assessed due to non-payment of her accounts, we are unable to remove the delinquencies reported on the account, in accordance with the provisions of the Fair Credit Reporting Act, which obliges us to report accounts correctly.
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

face="Times New Roman">
 
December 19, 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, and was approved for, a First Progress account on
September 26, 2014, with a credit limit of $300, upon receipt of his security
deposit of the same amount.  His card was
mailed to the address provided on his online application, [redacted].  The card was
returned to First Progress by the US Postal Service as undeliverable, on
October 20, 2014, with the reason “Return to Sender, Not Deliverable as
Addressed, Unable to Forward”.  We
recommend Mr. [redacted] check with the USPS as to why our communications to his
address were returned as undeliverable.
 
Mr.
[redacted] requested to close his account prior to the card being returned, on
October 17, 2014.  At this time, we
closed his account and waived the annual fee of $44, which was billed at the
time the account was opened.  The
security deposit of $300 was applied to his account at this time as well.  Mr. [redacted] was advised it can take up to 10
weeks for the credit balance refund to be issued, as per the cardholder
agreement, unless a written request to issue the refund is received. 
 
A
Credit Balance refund check in the amount of $300 was issued on December 15,
2014, per Mr. [redacted]’s verbal request, when he spoke with our customer service
department, at which time his address was also updated, to [redacted], which matches the address on this complaint. 
 
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

October 6, 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] states she mailed her payment immediately, on September 23, 2015.  As her payment was due on September 24, 2015,
she did not mail it in sufficient time for the US Postal Service to deliver the
payment on or before the due date.  As
specified in the cardholder agreement, as well as on every billing statement, payments
are applied and credited to the account on the date they are received, not the
date the cardholder gives the payment to a third party, such as the US Postal
Service, for delivery.  First Progress
currently accepts payments via several means, including online electronic
billpay, as well as expedited telephone payment service, as described in the
Cardholder Agreement. If payment is instead mailed via USPS, sufficient time
(7-10 days) must be allowed for a payment to be received.
In
regards to Ms. [redacted] claim of being hung up on, our call records indicate
Ms. [redacted] contacted our Customer Service Department twice on September 30,
2015. Our records indicate the first call was abandoned by the caller, not by
our handling system or agent. The recording of the second call indicates after
the Customer Service representative provided the requested information he then
asked the customer if there was anything else he could assist with. Ms. [redacted]
indicated no additional assistance was needed, and the agent thanked her for
calling First Progress. We do not see any indication that Ms. [redacted] call
had been disconnected prematurely.
In
addition, we would also like to remind Ms. [redacted] that our toll-free telephone
number is on the back of every First Progress card. 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

January 15, 2016
Revdex.com
Attn: [redacted]
500 12th Street
PO Box 2587
Columbus, GA 31902

RE: [redacted]
Case No.: [redacted]
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.
We have reviewed Mr. [redacted]’s call with customer service on July 21, 2015. At that time, Mr. [redacted] stated he would pay off the balance then decide what to do after he asked how to close the account. Mr. [redacted] did not ask to close the account, therefore his First Progress account remained open.
His account was assessed the annual fee on September 30, 2015, as reflected on the October 12 billing statement. When payment was not received, he was assessed a late payment fee on his November 12 and December 12 billing statements. Mr. [redacted] attempted to use the card for a purchase on December 24, however was declined due to the past due status on his account.
Mr. [redacted] contacted Customer Service on December 30, 2015, at which time he requested to close his account. The account has been closed, and his security deposit has been applied against his outstanding balance. As a courtesy, we have waived the annual fee of $29, as well as the late payment fees of $29 and $38.
We do advise it can take up to 10 weeks for the credit balance refund to be issued, as per the cardholder agreement, unless a written request to issue the refund is received.
As a courtesy, on receipt of this complaint, on January 13, 2016 we have issued the credit balance refund in the amount of $300.00, his security deposit in full. Mr. [redacted] should receive his check within 7-10 business days of this date. We hope this fully satisfies Mr. [redacted] in regard to his First Progress Card.
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

[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.  Once I was provided with the second phone number I was able to reach  an employee who was very helpful.  I believe they did the best they could to assist  me in trying to complete the transaction during this phone call. 
Regards,
[redacted]