First Progress Card

size="3" 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.
 
In November 2013, the US Postal
Service provided us with notification updating the address on Dr. [redacted]’s
account to [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 $500 in full
via check to the address provided on this complaint, [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) 706-5543 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've been with them a month. When calling to confirm some application info, the lady on the phone flat out lied to me saying I could pay bills online with a debit card, neglecting to mention that you have to sign up for a 3rd party bill pay service. It's been over a week since I made a payment and it hasn't shown up on the account activity and their complete lack of customer service and contact info makes it impossible to make status inquiries.

November 17, 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.
According to our records, Mrs. [redacted] contacted us on November 5, 2016, disputing charges on her account. At this time, her card, ending in [redacted], was canceled, and a new card was issued. In error, Mrs. [redacted] was advised her new card would be sent to her via Federal Express, with no fee. Unfortunately, this is not an available delivery option.
On November 8, the new card was mailed to the address on file, which matches the address on this complaint. The new card will arrive within 7-10 business days of the date it was mailed. The account remains open and in good standing at this time.
If there are any additional questions, Mrs. [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

October 23, 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, Mr. [redacted]
did not complete an application.  The
First Progress Secured MasterCard requires a security deposit before an account
can be opened.   Mr. [redacted] attempted to
fund a $300 security deposit using a MasterCard ending in [redacted] on 21-Sep-2014,
at 13:45:40 PDT, however the transaction did not go through due to reasons known
to, but undisclosed by, his card issuer. 
First Progress is proud to
have tens of thousands of satisfied customers. 
We are sorry we were not able to serve Mr. [redacted] better in this
instance.  If there are any additional
questions, Mr. [redacted] may contact Customer Service Department at (866) 706-5543
during our hours of Monday to Friday, 9 am to 9 pm Eastern Time, or Saturday, 9
am to 5 pm Eastern Time.
Sincerely,
First
Progress
cc:        [redacted]
            Synovus Bank
            PO Box 120
            Columbus, GA 
31902-0120

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.[Provide details of why you are not satisfied with this resolution.]All my payments were submitted to the bank prior to the due date of the 19th and we're generally submitted on the 15th or 16th. It is not my fault that payment was not processed on time by either First Progress or the bank. I should not be held accountable for late charges when I myself submitted the payments on time. Please refund the remaining late payment fees for the previous payments also.
Regards,
[redacted]

March 11, 2014
Revdex.com
Attn: [redacted]
500 12th Street
PO Box 2587
Columbus, GA 31902
               
RE:      [redacted]
            Case No.:  [redacted]
Dear [redacted]:
We are in receipt of your follow up correspondence on behalf of [redacted]. We remain committed to maintaining a high level of customer satisfaction and appreciate the opportunity to assist.
We are sorry Mr. [redacted] has closed his account.  However, as stated in the Cardholder Agreement, the cardholder would receive a pro-rata refund of the Annual Fee if the account is closed "for a reason other than at your request" (or a refund in full if he had notified us before making any charges).  As it is, given that Mr. [redacted] successfully used his First Progress card to make charges on at least 17 occasions, we cannot grant a refund of the annual fee.
If Mr. [redacted] has any additional questions, he may contact our Customer Service Department at ###-###-####.
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 am 100% positive that their is and will never be a apt [redacted]. The reason I failed to put apt 8 on my application is because apt 8 corresponds to another residence in wisconsin @ [redacted] to which I never provided your company and I use while away on work. To answer before you ask, the answer is no, the card was not delivered there either. 
                 Furthermore, I requested that First Progress provide my card by June 30th or cancel my account completely refunding the 1000$ deposit, plus the 49$ I paid electronically for the APR on the card by June 30th. Given First Progress's policy of 7-10 business days, assuming the card was drafted and mailed before 4pm on June 24th, that put's the cards delivery between July 2-July7th which is absolutely unacceptable. First Progress has failed to demonstrate how they will meet my june 30th deadline, and completely ignored my alternative request to cancel my account with a complete refund of my 1000$ deposit plus 49$ apr payment by June 30th. 
[Provide details of why you are not satisfied with this resolution.]
Regards,
[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.  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]

October 7, 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.
According to our records, Ms. [redacted] first contacted us on October 5, 2016 in regard to this issue. Our representative called her back on October 6 to inform her that we would issue a refund that same day in the amount of $619.95 to the VISA ending in 7903 used for the transaction. If these funds have not been credited by the issuer of the VISA, Ms. [redacted] can reference TRANS ID#[redacted] for transaction id [redacted].
We would urge Ms. [redacted] to report to the issuing bank of this card that the security of her account has been compromised. First Progress verifies information before accepting VISA transactions, so clearly the person or persons using these funds have access to not only her card number but also other information about her account as well. We would be happy to cooperate with the issuing bank’s investigation.
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">
 
September 4, 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] contacted First Progress on August 21, 2015, wanting to dispute a charge
that was an approved authorization on August 16, 2015 in the amount of
$186.13.  At the time she contacted us,
the transaction was still in a pending status, meaning that we had not received
confirmation from the merchant that the transaction was completed.
 
When
a merchant obtains an authorization, a hold is placed on that amount of
available credit until the merchant completes, or cancels, the
transaction.  As of the date of this
letter, we never received a confirmation from the merchant, therefore after 14
days, the authorization hold was released, and the available credit on Ms.
[redacted] account increased by $186.13.
 
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

[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">
 
August 10, 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] applied, and was approved, for a First Progress account on June 30,
2015.  At this time, a card was created
and mailed to the address on his application, [redacted]  [redacted]. 
 
On
July 15, the first card, sent to the address provided on his application, was
returned to us by the US Postal Service, with a change of address sticker
reflecting the new address: [redacted]  [redacted]. 
A new card was then mailed to this address.  We have checked with USPS, and they
acknowledge receipt of the card of July 21, and delivery as of July 25,
2015.   Mr. [redacted] may want to contact his local post
office in regard to not receiving his mail.
 
Mr.
[redacted] spoke with customer service on August 6, 2015, at which time we have
requested another card be mailed to him at his current address:   [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

August 1, 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.
[redacted] applied for a First Progress account
on July 19, 2014 through www.firstprogress.com. During the application process, there was a
discrepancy when it came to [redacted] address. [redacted] submitted
her application with the address; [redacted]  Unfortunately, the address did
not match the records of the credit bureau reporting agency. As Federal law
requires banks to verify the identity of each person who opens an account, we
were obliged to request additional information in regard to [redacted] application.
On
July 30, 2014, Ms. [redacted] called our customer service department requesting
for a refund of her deposit. As of July 30, 2014 we have withdrawn Ms. [redacted] application and refunded the security deposit in full to her
MasterCard ending in [redacted].
We
regret that Ms. [redacted] was dissatisfied but hope this successfully resolves
the situation.
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. The refund has been applied to my debit card I am satisfied. Thank you very much.
Regards,[redacted]

face="Times New Roman">
 
June 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.
 
As of
June 12, 2015, First Progress has yet to receive the payment initiated by Ms.
[redacted] on June 6, 2015 via MoneyGram. 
We understand how frustrating this has been for Ms. [redacted], who has
been told by MoneyGram that the problem must lie elsewhere.  We have investigated the issue, and have recently
received conclusive word from MasterCard that the problem has been caused by
the failure of payment files provided by MoneyGram to MasterCard, and in which
First Progress is in no way involved.
 
We
provided the below written notice on June 11, 2015 to MoneyGram of this issue,
but they have failed to respond as of the date of this response:
 
Several
of our mutual customers have complained to us that their MoneyGram payments
were not credited to their First Progress accounts.
 
In
all of these cases, we had not received the funds. Please see the attached for
3 separate examples of proof, supplied by MasterCard, that we never received
the payment. Note that as this attachment contains account numbers, the
attached file is protected: use “[redacted]” to open. As you can see, the RPPS
payment files from MoneyGram were rejected by MasterCard with a “F20” code.
 
The
issue appears to be an ongoing one, so we would request that MoneyGram address
the issue as quickly as possible to avoid further customer inconvenience.
Please feel free to contact me directly at the number below, or to contact
[redacted] at MasterCard RPPS for further details, referencing the case
number in the subject line of this email.
 
 
First
Progress is unsatisfied with the lack of response to this issue.  No portion of the fee paid by Ms. [redacted] to
MoneyGram accrues to First Progress, and so while we sympathize with Ms.
[redacted] we cannot address this ourselves. 
The lack of payment received did cause a late payment fee to accrue to
Ms. [redacted]’s account.  As a courtesy, on
June 11, 2015, we waived the late payment fee of $26.00.  We highlight that First Progress remains
without the payment.
 
We therefore
request that the Revdex.com also bring this issue to the immediate attention
of  MoneyGram, in hopes that Ms. [redacted],
as well as the other individuals affected, might benefit.
 
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  
 
cc:        MoneyGram International, Inc.
            2828 N Harwood Street
            Dallas, TX 75201

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.1. I 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.
2. 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.
3. 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]

August 16, 2016
Revdex.com
Attn: [redacted]
500 12th Street
PO Box 2587
Columbus, GA 31902

RE: [redacted] B [redacted] Jr
Case No.: [redacted]
Dear [redacted]:
We are in receipt of your correspondence on behalf of [redacted] B [redacted] Jr. We 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 7 and August 8, 2016. Mr. [redacted] has not completed any of these applications, nor has he provided any type of deposit to First Progress for any of these applications. If 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 deposit. Once Mr. [redacted] has completed an application and provided the security deposit, we will be happy to process his application. At 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) 706-5543 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]
            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.
Additional documentation was required to process Ms. [redacted]’s application because of the security freeze in effect on her credit bureau file.  However, our records show that on March 10, 2014, she called in to explain that she wished to withdraw her application at this time.  We have statused her application accordingly and refunded her security deposit in full to the card from which it was received.
If [redacted] has any additional questions, he may contact our Customer Service Department at ###-###-####.
Sincerely,
First Progress
cc:        [redacted]
            Synovus Bank
            PO Box 120
            Columbus, GA  31902-0120

December 3, 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 is happy to offer its customers full access to their statements, both current and historical, online through the Customer Center. Furthermore, at customer request, those customers who completed an Electronic Communications Agreement can, upon request, stop receiving statements by mail and access these online instead. First Progress does not, and has never, emailed statements.
According to our records, on August 31, 2015 Ms. [redacted] requested to stop receiving mailed statements and opted to access her statements online through the Customer Center instead. On November 16, Ms. [redacted] contacted our Customer Service department to advise that she had been unable to access the Customer Center. A Customer Service representative reset the login and password for the Customer Center account, explained that payment was past due on the account, and as stated in the complaint requested that Ms. [redacted] write in with the specifics of the issue to address any late fees assessed or credit reporting. Ms. [redacted]’s payment was then received and credited on November 17, bringing the account fully current.
Prior to this complaint, we had not received any direct correspondence from Ms. [redacted] on the matter. The First Progress letter which she cites in her complaint was the result of a credit dispute in the eOSCAR system, employed by the credit bureaus for electronic processing of credit disputes, which was dated November 18. Since eOSCAR did not provide any context of the issue above, instead listing as the Dispute Code “Not liable for account (i.e., ex-spouse, business)”, the reporting was verified and the letter generated.
We have contacted the consumer credit bureaus to remove the negative delinquency reporting on this account and credited the account for the late fees assessed, totaling $65. We hope this satisfactorily addresses the issue.
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

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.
The First Progress Card is a secured credit card, not a prepaid debit card as stated. When Mrs. [redacted] submitted her online application for a First Progress secured credit card, she agreed to the annual fee of $44, which is applied upon the opening of the account. First Progress does not charge a monthly service fee for use of the account.
The monthly $38 that Mrs. [redacted] is referring to may be the minimum monthly payment. As the First Progress Card is a credit card, it has a minimum monthly payment due on the same date each month, which in the case of Mrs. [redacted]’s account is the 14th. This is not a fee. First Progress does not reach into cardholders’ accounts for payments except with their express permission. Payments must be initiated by the customer.
Should Mrs. [redacted] still wish to close her account, we would be happy to do so, and refund her security deposit. If there are any additional questions, Mrs. [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