First Progress Card

June 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.
Ms. [redacted] has twice reported charges on First Progress Card that she did not authorize. After each episode, First Progress has issued her a new card with a new account number, at no expense to her of course. First Progress will also not hold her responsible for the charges she has cooperated in the fraud investigation of. We are sorry for the inconvenience she has undoubtedly incurred in this process. However, we must strenuously object to any representation that “First Progress purposely compromises its accounts”. Such an action would be unethical as well as motiveless: First Progress not only incurs the cost of fraud detection and investigation systems, but also reissues cards and absorbs the costs of confirmed fraudulent charges itself.
It is extremely unusual in our experience that Ms. [redacted] would have been the victim of not one but two compromises in a short period of time. Several compromises of credit card information at nationwide merchants have occurred lately, but her card was not implicated in any of those reported to date. We therefore strongly suspect that one of the local merchants at which both cards were used has been compromised. Our Fraud department is actively investigating. In the meanwhile we would suggest that she carefully watch for any transactions on the card she did not authorize, and avoid using the card at any merchant where both compromised cards were used.
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

December 16, 2015
Revdex.com
Attn: [redacted] 500 12th Street
PO Box 2587
Columbus, GA 31902

RE: [redacted]
Case No.: [redacted]
Dear [redacted]:
We are in receipt of your correspondence on behalf of [redacted]. We remain committed to maintaining...

a high level of customer satisfaction and appreciate the opportunity to assist.
Mr. [redacted] First Progress account was opened on November 20, 2015. His card was mailed to the address on file, as provided on his application, 338 Camp St, Barre VT 05641-3250.
According to our records, the USPS took possession of the card mailer on November 25, 2015. USPS has confirmed that it was in their regional post office in Shrewsbury, MA as of December 9, 2015.
If there are any additional questions, [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] 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.Not Acceptable!!! 
I finally received my refund late today and will be making my payment. I needed the 
Information to send the payment moneygram. Your other forms of payment
Are not acceptable. Your employees lost my payment. As a result it cost
Me a huge inconceivable headache not to mention another 15$ to western union
And 6$ priorty mail. Are you going to pay for my expenses or not? You will
Get a payment as soon as you tell me your intentions on my expenses...
Disappointed,
Mr [redacted]
Regards,
[redacted]

January 18, 2017
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]’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 address. These funds are not being guaranteed by U.S. Bank, N.A.; the checks could be dishonored by the bank.
Ms. [redacted]’s most recent payment of $149.01 was received and posted to her First Progress account on January 3, 2017. 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 10 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) 706-5543 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 9987539, 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.  So in 7-10 business days , I will contact you with any update.   
Much Regards,
[redacted]

Roman">
May 6, 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 Thomas [redacted].  We remain committed to maintaining a high level of customer satisfaction and appreciate the opportunity to assist.

The customer service number, (866) 706-5543, is listed on the back of each First Progress card; correspondence address is listed of every statement.  According to our records, we have no contact from Mr. [redacted] in 2016 prior to May 2nd.

The annual fee for the account ending in [redacted] was billed on the statement dated February 22, 2016.  A payment due date of March 19 was listed on the statement, but no payment was received.  The statement dated March 22 therefore reflects a late payment fee and payment due date of April 19.  Payment of $66 was received on April 20, leaving the second fee unpaid.  We have waived this fee as a courtesy.

The annual fee for the account ending in [redacted] was billed on the statement dated February 4, 2016.  A payment due date of March 1 was listed on the statement, but no payment was received.  The statement dated March 4 therefore reflects a late payment fee and payment due date of April 1.  Np payment was received until April 23.  The account is now current.

Both accounts are now current and will be reported again to all three credit bureaus in May 2016.

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

October 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.
We
are sorry that Ms. [redacted] did not recall the security passphrase she had
entered at the time of her application. 
The application suggests “Mother’s Maiden Name” as a security
passphrase, but our applicants are free to choose any passphrase they wish.
First
Progress always accepts payments made by mail to the payment address printed on
every statement:  PO Box 84019, Columbus GA, 31908-4019, as specified in
the Cardholder Agreement.  We are also pleased to accept ACH payments
initiated through a customer’s financial institution or by a third party. 
As a last resort, ACH payments can be taken our live representatives, but at a
$10 fee, as specified in the Cardholder Agreement (“Expedited Telephone Payment
Fee:  We may make available at our customer service number an expedited
telephone payment service involving assistance by one of our associates or
agents.  We will charge a $10 Expedited Telephone Payment Fee for each
expedited payment authorized by telephone in this way.”)
 
We
are sorry Ms. [redacted] experienced issues when calling in to make a payment.  Our Customer Service phone number (866)
706-5543, experienced unusually heavy call volume on October 1.  We hope to serve her better in future.
 
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 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 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 reports account
information to the major credit bureaus on a monthly basis, at the end of the
cardholder’s billing cycle.  As Ms.
[redacted] contacted us to make payment after her account was reported in
September, the account was reported accurately. 
Due to conflicting information
that was provided to Ms. [redacted] by our customer service department, as a
one-time courtesy, we have submitted a correction, on October 7, to the major
credit reporting agencies to update the current balance and last payment date
for her First Progress account.  Please
note this submitted update may take up to 45 days to be reflected with the
credit bureaus.
If Ms. [redacted] has any
additional questions, she may contact our Customer Service Department at (866)
706-5543.
Sincerely,
First Progress
cc:        [redacted]
            Synovus
Bank
            PO Box 120
            Columbus,
GA  31902-0120

July 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.
[redacted] applied for a First Progress account
on June 26, 2014 at www.firstprogress.com. On June 30, 2014, the account was approved and a
card was issued to [redacted]  [redacted]  The account was closed on July 23, 2014 and an account closure
confirmation letter was issued. We have also made a full refund to [redacted]’s MasterCard ending in 9333.
We are uncertain as to where Ms.
[redacted] obtained the telephone number ###-###-####, which is a telephone number
formerly, but not currently, listed on the First Progress website. The actual
First Progress customer service toll-free number is on the back of every First
Progress card and the front of every First Progress statement.
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

[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.
I did recieve the check this Saturday at the old address.  I am just not understanding why a bank would need to hold onto to anyone's money for 70 days that is ridiculous.  But I did finally receive the check.  I am still shocked you have the rating you do with the Revdex.com due 
 
to the poor way that your company policies are written,
Regards,
[redacted]

face="Times New Roman">
 
June 1, 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.
 
When
Mr. [redacted] applied for a First Progress credit card, he provided the
following address: [redacted].  His card was issued and mailed to this
address on March 24, 2015.  Mr.
[redacted]’s address was updated on April 9, 2015 to [redacted].
 
Mr.
[redacted] contacted our Customer Service department on April 13, 2015.  We offered to send a new card, as the
original card was mailed to the address on the application, not his PO Box.  Mr. [redacted] declined and requested to close
his account due to the non-receipt of his card. 
At this time, his account was closed, and Mr. [redacted] was advised of
the timeframe, up to 70 days, to receive a refund of his security deposit,
minus the annual fee that Mr. Whtitlock agreed to when he submitted his online
application.   We have not received any
further communication from Mr. [redacted] prior to this complaint in regards to
having his refund issued.
 
ON
May 27, 2015, we waived the annual fee of $39.00, and issued a refund for the
full amount of his security deposit, $600, to his VISA ending in [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

New Roman">
October 21, 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] notified First Progress of a potential fraudulent application upon
withdrawal of $ 300.00 for the security deposit from her banking account.  In error, a refund of the deposit was not
issued at that time.  On October 13,
2015, we issued a refund in the amount of $300 to the card ending in [redacted], as
this was used to make the deposit.  Ms. [redacted] should check with her issuing bank
for receipt of the refund.
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

so far it's a 3,,,it's been over 3 1/4 weeks and I still haven't received the card. At this rate they will decrease to 1 star company

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and while I do believe that had he company fixed the address the first time, or the second time, my account would still be open, and I would not have lost the $300 down payment that I put onto the card originally. I want it noted, that the company reported the following address to the credit bureau:
 
[redacted]
 
 
The First line is my legal address, e.g. my father's address, [redacted]. the second line is my apartment number currently, [redacted] and the third line is my previous address, [redacted].
Furthermore, as of 3/31 Experian had the account listed as open, while First Progress says they closed it in February, and finally, I received no communication from the company since January, by their own admission. These are all problematic, which is why I believe I am entitled to my $300 deposit.
However, due to immediate financial need, I accept the credit that the company has offered, 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]

[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]

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 this. First Credit asked me to fax my statement prooving I paid them. I faxed it yet they don't give me an answer or even respond to it. Why 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 it. They are liars. They take peoples money.
Regards,
[redacted]

Roman">
May 3, 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.

We have researched our records, but cannot locate any record of any application under the name of Ratoya [redacted].  We would be happy to research the withdrawal Ms. [redacted] has referenced upon receipt of proper documentation of a payment to First Progress. Ms. [redacted]’s bank should be able to provide the 15-digit ACH trace number for any payment made.  Once received, we can investigate through the payment processing system on her behalf.


Sincerely,


First Progress

cc:        [redacted]
            Synovus Bank
            PO Box 120
            Columbus, GA  31902-0120       

Tell us why here...

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.
Ms. [redacted] applied for a First Progress account on
June 4, 2014 at www.firstprogress.com  Federal law
requires that we verify the identity of applicants prior to opening an account,
and the application therefore states that:
What this means for you: When you open
an account, we will ask for your name, address, date of birth, and other
information that will allow us to identify you. We may also ask to see your
driver’s license or other identifying documents.
On June 11, 2014, a letter was mailed to Ms. [redacted]
via USPS, asking her to provide documentation to verify her identity in order
for us to be able to open an account. 
The letter was sent to the physical address provided on her application,
namely [redacted]  [redacted] the same address as on the complaint. To date, the letter has not
been returned to us by the US Postal Service; therefore we had no reason to
suspect she had not received the letter requiring the additional documentation.
Our
records indicate an email was sent to Ms. [redacted] at [redacted]m , the email address provided on her application and
on her complaint, confirming her application on June 4. This email stated that
“If approved, you should receive your new credit card within 7 to 10 days.” The
“if approved” language is in place specifically to account for the verification
procedures required to satisfy federal law. A subsequent email on June 5, 2014
notified Ms. [redacted] that “Your application status has been updated,” and
provided a link to a secure website where she could find out more specifically
the issue with the application and the steps required.
Our
records indicate that Ms. [redacted] called in July 10, 2014 and was informed of
the documents required. Rather than provide these, she requested a refund of
her security deposit. On July 15, 2014, a refund of $1000.00 was processed to
the Visa card used for the security deposit.
We
are sorry that we were not able to open an account for Ms. [redacted]. 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

January 12, 2017
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.
At the time of account closure, Mr. [redacted] was advised can take up to 10 weeks for the security deposit to be refunded, as per the cardholder agreement. This can be expedited if a written request is received to issue the refund.
Mr. [redacted] contacted our Customer Service Department on January 6, 2017, inquiring about his refund, without having sent a written request to expedite the refund. He was reminded that it can take up to 10 weeks, which would be the end of January.
First Progress took this Revdex.com Complaint as a written request to expedite the refund, and accordingly issued a credit balance refund on January 10, 2017 in the amount of $456.00 to Mr. [redacted] at his address of record.
We note that First Progress maintained an account on Mr. [redacted]’s behalf for more than 2 years, and refunded the balance of the security deposit remaining as per the terms described in the disclosures at the time of application, as we do for all our customers.

If there are any additional questions, Mr. [redacted] may contact Customer Service Department at (866) 706-5543 during our hours of Monday to Friday, 9 am to 9 pm Eastern Time, or Saturday, 9 am to 5 pm Eastern Time.
Sincerely,
First Progress
cc: [redacted]
Synovus Bank
PO Box 120
Columbus, GA 31902-0120

face="Times New Roman">
 
August 27, 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] closed his First Progress account on May 9, 2015.  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. 
 
First
Progress issued a Credit Balance Refund check in the amount of $271 on July 22,
2015, and mailed to the address on file, which also matches the address on this
complaint.  The check was returned to us
by the US Postal Service undeliverable with the reason “Temporarily Away”,
which means that Mr. [redacted] had his local post office hold his mail for a period
of time and the hold time expired.
 
On
August 24, 2015, Mr. [redacted] spoke with our Customer Service department, and a
new refund check was issued.  Mr. [redacted]
should receive his 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