First Progress Card

June 14, 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, Mr. [redacted] applied for a First Progress account on May 25, 2016, at www.firstprogress.com. He paid the security deposit required for all First Progress accounts, but did not pay for the expedited processing service.
As required by the Patriot Act and other federal regulations, First Progress must verify the identity of applicants in order to open a card account. We needed additional documentation in the case of Mr. [redacted]’s application in order to open an account, and therefore mailed a letter via USPS to Mr. [redacted] on June 4, asking him to provide documentation. The letter was sent to the physical address provided on his/her application, namely [redacted] .
On June 8, 2016, Mr. [redacted] spoke with our customer service department, requesting to cancel his application. We canceled the application, and issued a refund of his security deposit to the VISA card used to provide the deposit on June 9, 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

face="Times New Roman">
 
July 20, 2015
 
 
Revdex.com
Attn: [redacted]
[redacted]
[redacted]
Columbus, GA 31902
       
RE:       [redacted] [redacted]
            Case No.:  [redacted]
 
Dear [redacted]:
 
We are in receipt of your
correspondence on behalf of [redacted] [redacted], [redacted]  We remain committed to maintaining a high
level of customer satisfaction and appreciate the opportunity to assist.
 
First
Progress sends all cardholders a monthly billing statement every month.  Mr. [redacted]’s April 4, 2015 statement had a
notice advising his annual fee of $44 would be billed on the next
statement.  When the annual fee was
assessed, on April 30, it was posted to the May 4 billing statement.  First Progress mailed the statement, as well
as the next two statements, reflecting the past due status and late fees that
were assessed.  At no time were any
statements returned to us from the US Postal Service, and the statements are
always available online within the Customer Center.
 
Mr.
[redacted] contacted First Progress on July 13, 2015, in regards to the annual fee
and late payment fees.  At this time, he
also requested to close his account.  As
a courtesy, we have waived the late fee of $37 that was assessed on July 2, as
well as closed his account.  We have also
submitted a request to the major credit reporting agencies to remove the
negative reporting that has been reported since the annual fee was assessed.
 
If
there are any additional questions, Mr. [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
            [redacted]
            Columbus, GA 
31902-0120

Hi Revdex.com and First Progress,
I'm satisfied and accept the business response if First Progress makes all the corrections as mentioned in their response.
Thank you Revdex.com for taking care and solving my issue, I'm really grateful to Revdex.com.
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]

February 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.
Mr. [redacted] closed his First Progress account on December 14, 2015. At that time, his security deposit, in the amount of $400, was applied against his outstanding balance. As Mr. [redacted] did not have any balance due, his account had a credit balance of $400. A credit balance refund check was issued on February 4, 2016, mailed to the address on file. The standard timeframe to receive a refund, once issued, is 7-10 business days. Mr. [redacted] should receive his check by February 19, 2016.
If there are any additional questions, Mr. [redacted] may use his former account number for any interaction with our automated system, or speak with 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

[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]

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.
Ms. [redacted]’s First Progress account was closed due to non-payment on August 22, 2014. This message was included on her billing statement of the same date. Unfortunately, Ms. [redacted] failed to provide First Progress with an updated billing address, and this statement was returned to us, undeliverable, by the post office, on September 19, 2014. We have updated the address on file to the address Ms. [redacted] provided on this complaint.
Prior to the account being closed, Ms. [redacted]’s May 22, 2014 statement showed a payment due of $35. No payment was received, and the statements dated June 22 and July 22 warned that the account was past due and would be closed, but still no payment was received. None of these statements were returned to us by the post office.
When the account was closed due to non-payment, there was an outstanding balance due. Ms. [redacted]’s security deposit, in the amount of $300, was applied to the outstanding balance, and a balance of $182.69 remained due. As the account was already past due, the negative reporting is valid, and under the Fair Credit Reporting Act, we are responsible for accurate furnishing of information to the credit reporting agencies.
Ms. [redacted] has made payments, most recently on March 31, 2016, in the amount of $20.00, and has a balance due of $142.69. This balance is due immediately.
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 17, 2015
 
 
Revdex.com
Attn: [redacted]
[redacted]
[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.
 
First
Progress cannot accept credit or debit cards for payments due.  We accept and credit all payments mailed to
the payment address, as well as payments initiated electronically by financial
institutions. 
 
First
Progress received a payment of $80.00 electronically from MoneyGram on August
8, and credited this payment to Mr. [redacted]’s account the next business day,
August 10, as shown on the statement dated August 12. 
 
We
reported Mr. [redacted]’s account as current to the three major credit reporting
agencies after the statement.  The
account has only been delinquent prior to August 10, as the minimum due by July
9, as shown on the statement dated June 12, was not received.  To date the account has never been reported
by First Progress as 30+days delinquent.
 
If
there are any additional questions, Mr. [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
            [redacted]
            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 would like them to provide a signed copy of the agreement. I don't recall signing anything. My understanding was this was a prepaid card that would not impact my credit negatively. I was never informed that they would be reporting negative items to the credit bureau becuase credit was never extended to me.
Regards,
[redacted]

December 9, 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 security credit card account with a credit limit of $300 on April 1, 2014. Mr. [redacted] provided a security deposit of $300 as collateral for the credit line at the time the account was opened.
On January 16, 2015, Mr. [redacted] made a payment of $300, when the balance due was $254.71, resulting in a credit balance of $45.29. With no account activity after the payment was received, on February 22, 2015, a credit balance refund check was issued to the address on file at the time, [redacted]. This check was cashed on March 24, 2015.
Due to the credit balance refund being issued, when the annual fee of $39 was assessed, on April 30, 2015, a balance due was created, as reflected on the May 22, 2015 billing statement. These statements, nor any subsequent statements, have not been returned to First Progress, so we have no reason to suspect Mr. [redacted] had not received his statements. Each month a payment was not received, he had been assessed a late payment fee, and after 4 consecutive months with no payment received, the account was closed due to non-payment, on September 23, 2015. The security deposit of $300 was applied against the outstanding balance $178, resulting in a credit balance of $122. On November 22, 2015, a refund was issued and mailed to the address on file for the amount of $122.
When Mr. [redacted] spoke with our customer service department on November 27, 2015, he was advised of the status of his account. At this time, the agent waived one late payment fee of $38 as a one-time courtesy, resulting in a credit balance of $38.
As a courtesy, we have removed the past due reporting from June 2015 to present, and submitted a correction to the major credit reporting agencies. We have also waived the annual fee of $39 assessed on April 30, 2015, and all late fees assessed due to the annual fee. The additional fee waivers bring the total credit balance to $178.00. A refund check was issued on December 8, 2015 and Mr. [redacted] should receive his refund within 7-10 business days.
As the security deposit has been refunded to Mr. [redacted] in full, we are not able to reinstate the account. Mr. [redacted] is welcome to apply for a new First Progress account. 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 8, 2016
Revdex.com
Attn: Rosemarie Cook
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 disclosed in the application process, the annual fee was charged upon account opening. Our records indicate Ms. [redacted] has also used the card for the transactions indicated below. If any of the transactions were unauthorized, Ms. [redacted] should write us at P.O. Box 84010 Columbus, GA 31908.
2/4/16 $39.00 Annual Fee
2/18/16 $104.94 AmazonPrime Membership
2/22/16 $33.19 Victoria’s Secret
2/29/16 $16.54 Journeys Kidz
We do not show that the statement dated February 27, 2016 has been returned by the USPS; therefore, we suggest Ms. [redacted] check with her local postal carrier. In addition, statements can be accessed at our online Customer Center at www.firstprogress.com.
If there are any additional questions, Ms. [redacted] may contact Customer Service Department at (866) 706-5543 during our hours of Monday to Friday, 9 am to 9 pm Eastern Time, or Saturday, 9 am to 5 pm Eastern Time.
Sincerely,
First Progress
cc: [redacted]
Synovus Bank
PO Box 120
Columbus, GA 31902-0120

March 15, 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.
We try to help as many customers with their requests as we can, subject to the individual circumstances of their accounts. We are therefore sorry we were unable to assist Mr. [redacted] with his request for a credit reporting amendment.
Per Mr. [redacted]’s request, the account was closed on March 12, 2016. The $1,000 security deposit was promptly applied towards his account and a credit balance refund in the exact amount was issued on March 15, 2016. Mr. [redacted] should receive the refund via check within 7-10 business days from the date of issue.
We regret that Mr. [redacted] was disappointed. If he has any additional questions, he may contact our Customer Service Department at (866) 706-5543.
Sincerely,
First Progress
cc: [redacted]
Synovus Bank
PO Box 120
Columbus, GA 31902-0120

face="Times New Roman">
 
March 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.
 
On February 26, 2015 an application
was submitted via our website, www.firstprogress.com, in the name of [redacted].  According to our records, Ms. [redacted] called
First Progress and spoke with our Credit Department on that same day,
explaining that she had, in fact, not applied for a credit card with First
Progress. We have withdrawn the application as a fraudulent application, and
voided the transfer of $319.95 from Ms. [redacted]’s bank account.  First Progress has not received any funds
from Ms. [redacted]’s bank on her behalf.
 
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

April...

18, 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.
When Mr. [redacted] applied for his First Progress card, he used the address [redacted] on his application. After his account was opened on March 6, 2014, his new card was sent to this address. On March 20, 2014, we received the card returned by the USPS with a new address, [redacted] Until this new address was verified by the cardholder, we are unable to issue a new card; we therefore sent letters to both addresses notifying him of the change to our records.  According to our records, there was a single occasion on which we received a call from Mr. [redacted], March 31, but during the process of verifying his identity our agent experienced a disconnection of the call.
On April 7, 2014, we received a letter from Mr. [redacted], inquiring on the status of his card.  Since we still needed to verify his new address, on April 9, 2014 a letter was sent requesting Mr. [redacted] to contact us at ###-###-#### in order to verify the address. 
We received a second letter on April 14, 2014 from Mr. [redacted], again inquiring on the status of his card, and a second letter was mailed asking him to contact us at the number above.
We attempted to contact Mr. [redacted] by phone on April 17 and April 18, but were unsuccessful. In order to combat fraud, our procedures require address verification by the cardholder before issuing a new card. 
The address listed on Mr. [redacted]’s complaint does not match either of the addresses listed above, and the email address listed also does not match the email address provided with his application.  We stand ready to issue a new card to him as soon as he can verify the full address for us using the security information entered with his application.  Mr. [redacted] can reach us at 1-866-706-5543 at his earliest convenience and we hope to resolve the situation fully at that point.
Sincerely,
First Progress
cc:        [redacted]
Synovus Bank
PO Box 120
Columbus, GA  31902-0120

April 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.
The merchant, Vesta, a telecommunications provider, never
released the authorization of $57.00. Therefore, the hold was active until
April 21, 2014. As of April 22, 2014 the hold has been removed as a courtesy
and the funds are now available.
If [redacted] has any
additional questions, she may contact our Customer Service Department at ###-###-####.
Sincerely,
First
Progress
cc:        [redacted]
            Synovus Bank
            PO Box 120
            Columbus, GA 
31902-0120

September 1, 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 reviewed our call recording, in which our Customer Service agent informed Ms. [redacted] that she must contact our Credit Department to request the application be canceled. We provided the hours of operations and confirmed the contact phone number for our Credit Department. Ms. [redacted] read back the phone number and stated she had no additional questions.
We are sorry that Ms. [redacted] had not understood that she would need to take further action in order to withdraw her application. Upon receipt of this complaint, we have canceled her application and refunded her security deposit of $200.00 on August 30, 2016.
If there are any additional questions, Ms. [redacted] may contact Customer Service Department at (866) 706-5543 during our hours of Monday to Friday, 9 am to 9 pm Eastern Time, or Saturday, 9 am to 5 pm Eastern Time.
Sincerely,
First Progress
cc: [redacted]
Synovus Bank
PO Box 120
Columbus, GA 31902-0120

September 30, 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.
Our records reflect Mr. [redacted]’s account was closed due to nonpayment on August 22, 2014. On November 14, 2015, Mr. [redacted] made a payment by phone for the full balance owed. The payment made was dishonored by Mr. [redacted]’s bank on November 20, 2015 with the code “Invalid Account Number”. Since that time, no additional payment attempts have been made. As a result, the balance of $188.99 remains outstanding.

Unfortunately, due to the payment attempted but not honored, Mr. [redacted] was sent upon his request a letter showing the account as paid in full. We apologize for the error.
As the balance outstanding remains due, we would encourage Mr. [redacted] to bring it current by making payment. He 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]
 
 This business at first said that the money would be returned on the 21st. It was not returned until the 22nd which inconvienced me. Futhermore I have documented ATT saying that the funds were returned the same day. Apparently one company is being dishonest. I will continue to document and take actions in response to poor customer service by business that refuse to take responsibility for thier actions.

August 12, 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.
First Progress would like to offer the Revdex.com the opportunity to review our call recordings with Mr. Marrero, 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) 706-5543.
Sincerely,
First Progress
cc: [redacted]
Synovus Bank
PO Box 120
Columbus, GA 31902-0120

June 10, 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]’s account was closed on June 4, 2013.
A credit balance refund check in the amount of $573.04 was later mailed on
August 27, 2013 to the following address; [redacted]. The credit balance refund check was returned to us by the US Post Office
on September 23, 2013.An outbound call was made to [redacted] on October
22, 2013, in regards to the returned credit balance refund check.
Unfortunately, there was no answer but a message was left to return our call. A
new credit balance refund check was issued on November 5, 2013 in the amount of
$573.04.
Attached, we provided a copy of both June and July
2013 statements, where it reflects that the account was past due. On June 09,
2014, [redacted] spoke to one of our customer service agents, who assisted
by updating the address on file to [redacted]. We will issue the credit balance refund check for a third time on
June 12, 2014 to the updated address.
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