First Progress Card

face="Times New Roman"> June 12, Revdex.com Attn: [redacted] 12th Street PO Box Columbus, GA RE: [redacted] Case No.: [redacted] Dear [redacted] ***: We are in receipt of your correspondence on behalf of [redacted] We remain committed to maintaining a high level of customer satisfaction and appreciate the opportunity to assist As of June 12, 2015, First Progress has yet to receive the payment initiated by Ms [redacted] on June 6, 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, 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 fundsPlease see the attached for separate examples of proof, supplied by MasterCard, that we never received the paymentNote that as this attachment contains account numbers, the attached file is protected: use “ [redacted] ” to openAs 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 $ 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-during our hours of Monday to Friday, am to pm Eastern Time, or Saturday, am to pm Eastern Time Sincerely, First Progress cc: [redacted] Synovus Bank PO Box Columbus, GA 31902- cc: MoneyGram International, Inc N Harwood Street Dallas, TX

I have bad credit and applied for a credit card to help fix my creditI questioned them about fraudulent charges on my account and they told me they'd look into it and get back with meafter about a month (of not using my card) I made a call to them to check the status and they informed me that my account was closed and not available to be re-openedI never received any paperwork on any instructions or any informationAll I wanted to do was make my account right and be able to use it againThe card was not only unavailable to be re opened but they charged me annual fees, kept my deposit, and still asked hundreds of dollars from meThis company takes advantage of people with poor credit and I would not recommend them to ANYONE! Horrible customer service horrible company

September 4, Revdex.com Attn: [redacted] 12th Street PO Box Columbus, GA RE: [redacted] Case No.: [redacted] Dear [redacted] ***: We are in receipt of your correspondence on behalf of [redacted] We remain committed to maintaining a high level of customer satisfaction and appreciate the opportunity to assist Mr [redacted] submitted an application online for a Platinum Select Mastercard from First Progress, which as a variable APR of 14.99% for purchases and an annual fee of $ The annual fee is billed upon approval of the application, of which Mr [redacted] agreed to upon submission of his application Mr [redacted] may have intended to apply for the Platinum Prestige Mastercard from First progress, which has a variable APR of 11.99% for purchases and an annual fee of $44, however that is not the application he submitted In order to comply with federal regulations, First Progress is unable to change the product after an application is submitted Per Mr [redacted] ’s request, the account was closed on August 6, As per the Cardholder Agreement, the refund of the Security Deposit can take up a period of to weeks However, we could have provided better service in this instance, Mr [redacted] could have written in to our correspondence address to request an expedited refund, which we would be happy to honor, as he has never used the card for any purchases The annual fee of $was waived on September 1, 2014, and a refund of the security deposit in full, $300.00, has been issued on September 4, He should receive the refund check within 7-business days If there are any additional questions, Mr [redacted] may contact Customer Service Department at (866) 706- during our hours of Monday to Friday, am to pm Eastern Time, or Saturday, am to pm Eastern Time Sincerely, First Progress cc: [redacted] [redacted] [redacted] [redacted] ** [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 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 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"> August 7, Revdex.com [redacted] Columbus, GA RE: [redacted] Case No.: [redacted] Dear [redacted] ***: We are in receipt of your correspondence on behalf of [redacted] We remain committed to maintaining a high level of customer satisfaction and appreciate the opportunity to assist In 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 through August 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, am to pm Eastern Time, or Saturday, am to pm Eastern Time Sincerely, First Progress cc: [redacted] [redacted] [redacted] [redacted] ** [redacted]

March 7, Revdex.com Attn: [redacted] 12th Street PO Box Columbus, GA RE: [redacted] Case No.: [redacted] Dear [redacted] : We are in receipt of your correspondence on behalf of [redacted] We remain committed to maintaining a high level of customer satisfaction and appreciate the opportunity to assist Unfortunately, with Mr [redacted] having a common first and last name, Mr [redacted] does not provide sufficient information in his complaint for us to locate his account We are unable to locate an account under his name with the address or phone number provided on the complaint We would hope to persuade Mr [redacted] to retain his First Progress account He is of course welcome to contact us at the number on the back of his card, ###-###-####, during our hours of am to pm Eastern Monday to Friday, am to pm Saturday, or in writing at PO Box 84010, Columbus GA, 31908- If he would only wish to close the account, he can obtain a full refund of his security deposit to notifying us at this address (please include the full account number for our reference) Sincerely, First Progress cc: [redacted] Synovus Bank PO Box Columbus, GA 31902-

March 13, Revdex.com Attn: [redacted] 12th Street PO Box Columbus, GA RE: [redacted] Case No.: [redacted] Dear [redacted] : We are in receipt of your 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 Columbus, GA 31902-

[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] To Whom it concerns at Revdex.com, I have talked with a representative, ***, at First ProgressHe said he would send a request to 'corporate' to close my account with its balance of $In addition, he said he would request a pro-rated refund of the $annual feeIf 'corporate' follows through and accepts this settlement I will be perfectly satisfiedI am not going to cut up the card at this point but will not use itThe account has been closed according to their representative anywayHopefully, there will be a speedy response and settlement ( [redacted] indicated it should be within a few days, i.e., by next Wednesday) I would request that you leave this matter open until I actually have my refundI will contact you as soon as that happens Thank you very much for your help in this matter Sincerely, [redacted]

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 $down payment that I put onto the card originallyI want it noted, that the company reported the following address to the credit bureau: [redacted] The First line is my legal address, e.gmy 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/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 admissionThese are all problematic, which is why I believe I am entitled to my $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]

December 15, Revdex.com Attn: [redacted] 12th Street PO Box Columbus, GA RE: [redacted] Case No.: [redacted] Dear [redacted] ***: We are in receipt of your correspondence on behalf of [redacted] We remain committed to maintaining a high level of customer satisfaction and appreciate the opportunity to assist First Progress has no record of a request from Ms [redacted] to close either of her First Progress accounts prior to September 30, 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 $due by June 19, There were additional purchases made in June, as reflected on the June 22, billing statement, as well as a late payment fee of $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 and September On September 30, the security deposit of $was applied against the outstanding balance of $A late payment fee of $was also waived as a courtesyA remaining balance of $remains due and payment is required immediately to bring the balance to $ 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 $due by June 19, There were additional purchases made in June, as reflected on the June 22, billing statement, as well as a late payment fee of $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 and September On September 30, the account was closed for nonpaymentAt this time, the security deposit of $was applied against the outstanding balance of $A late payment fee of $was also waived as a courtesyA remaining balance of $remains due and payment is required immediately to bring the balance to $ 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-during our hours of Monday to Friday, am to pm Eastern Time, or Saturday, am to pm Eastern Time Sincerely, First Progress cc: [redacted] Synovus Bank PO Box Columbus, GA 31902-

September 30, Revdex.com Attn: [redacted] 12th Street PO Box Columbus, GA RE: [redacted] Case No.: [redacted] Dear [redacted] ***: We are in receipt of your correspondence on behalf of [redacted] We remain committed to maintaining a high level of customer satisfaction and appreciate the opportunity to assist Our records reflect Mr [redacted] ’s account was closed due to nonpayment on August 22, On November 14, 2015, Mr [redacted] made a payment by phone for the full balance owedThe payment made was dishonored by Mr [redacted] ’s bank on November 20, with the code “Invalid Account Number”Since that time, no additional payment attempts have been madeAs a result, the balance of $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 fullWe apologize for the error As the balance outstanding remains due, we would encourage Mr [redacted] to bring it current by making paymentHe may contact Customer Service Department at (866) 706-during our hours of Monday to Friday, am to pm Eastern Time, or Saturday, am to pm Eastern Time Sincerely, First Progress cc: [redacted] Synovus Bank PO Box Columbus, GA 31902-

[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] I would also like to add thisMy payment of was not declined by my bankAs the company stated my account was funded in the total amount on the 8thWhy was my account not activated the next business day as the company stated it would do? Thank you very much for your assistance

July 2, Revdex.com Attn: [redacted] 12th Street PO Box Columbus, GA RE: [redacted] Case No.: [redacted] Dear [redacted] ***: We are in receipt of your correspondence on behalf of [redacted] We remain committed to maintaining a high level of customer satisfaction and appreciate the opportunity to assist Mrs [redacted] submitted an application via FirstProgress.com on June 23, 2015, with a security deposit of $ On July 1, 2015, we received a call from Mrs [redacted] , requesting to cancel the application We have canceled the application, per Mrs [redacted] ’s request, and issued a refund to her VISA ending in [redacted] for the security deposit of $ If there are any additional questions, Mrs [redacted] may contact Customer Service Department at (866) 706-during our hours of Monday to Friday, am to pm Eastern Time, or Saturday, am to pm Eastern Time Sincerely, First Progress cc: [redacted] Synovus Bank PO Box Columbus, GA 31902-

[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] ***

July 26, Revdex.com Attn: [redacted] 12th Street PO Box Columbus, GA RE: [redacted] Case No.: [redacted] Dear [redacted] ***: We are in receipt of your correspondence on behalf of [redacted] We remain committed to maintaining a high level of customer satisfaction and appreciate the opportunity to assist We have checked our records, and were unable to locate any record of Mr [redacted] contacting our Customer Service Department on or around November 18, However, our records do indicate Mr [redacted] contacted us on April 14, to dispute a charge in the amount of $from Bridgton Gulf due to paying the merchant with cashA credit for the amount of the transaction was applied to his account on the same date and a letter was sent advising on April 18, Our records also reflect Mr [redacted] ’s last payment was submitted on April 21, However, the statement dated April 27, lists a total balance owed of minimum payment due of $by May 24, No payment was received by that date, or at any time since April May and June statements have shown the account as past dueAt this time the account is in danger of being closed due to nonpayment If there are any additional questions, Mr [redacted] may contact Customer Service Department at (866) 706-during our hours of Monday to Friday, am to pm Eastern Time, or Saturday, am to pm Eastern Time Sincerely, First Progress cc: Tiffany Reeves Synovus Bank PO Box Columbus, GA 31902-

October 8, Revdex.com Attn: [redacted] 12th Street PO Box Columbus, GA RE: [redacted] Case No.: [redacted] Dear [redacted] ***: We are in receipt of your correspondence on behalf of [redacted] We remain committed to maintaining a high level of customer satisfaction and appreciate the opportunity to assist 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 $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 $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 We hope to serve her better in future If there are any additional questions, Ms [redacted] may contact Customer Service Department at (866) 706- during our hours of Monday to Friday, am to pm Eastern Time, or Saturday, am to pm Eastern Time Sincerely, First Progress cc: [redacted] Synovus Bank PO Box Columbus, GA 31902-

August 19, Better Business Bureau Attn: [redacted] 12th Street PO Box Columbus, GA RE: [redacted] Case No.: [redacted] Dear [redacted] ***: We are in receipt of your follcorrespondence 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 Mr [redacted] was dissatisfied with our previous response All correspondence and statements prior to August 7, were sent to the address provided on Mr [redacted] application, [redacted] Louisville, KY [redacted] Mr [redacted] did not provide us with his apartment number at any time prior to his complaint dated August 6, First Progress cannot explain why his local post office delivered his card and fist statements, but then began returning his mail to us as undeliverable on March 5, Mr [redacted] would need to contact his local post office on that matter If Mr [redacted] did not attempt to make a transaction in the amount of $***.00, yet his school did try to obtain an authorization in that amount on August 6, he will need to contact his school to inquire why they attempted an amount more than the $he states he was attempting to make a payment for Mr [redacted] account has been reinstated, with a credit limit of $300.00, which he has been able to use successfully since August If there are any additional questions, [redacted] may contact Customer Service Department at (866) 706-during our hours of Monday to Friday, am to pm Eastern Time, or Saturday, am to pm Eastern Time Sincerely, First Progress cc: [redacted] Synovus Bank PO Box Columbus, GA 31902- v

September 9, Revdex.com Attn: [redacted] 12th Street PO Box Columbus, GA RE: [redacted] Case No.: [redacted] Dear [redacted] We are in receipt of your correspondence on behalf of [redacted] We remain committed to maintaining a high level of customer satisfaction and appreciate the opportunity to assist Ms J [redacted] opened her First Progress account on April 28, As disclosed in the application process, the annual fee is billed after the account opening, on the statement dated May 22, with payment due by June 1, The minimum payment was not received, nor was the statement dated June paid by July 19th As a result we warned Ms [redacted] on her July statement that her account would be closed The statement dated May was mailed to the address provided on her application [redacted] *** However the statement was returned by the US Postal service with a new address on June At this time, we updated the address to [redacted] ***, and remailed the statement to the new address We have researched the calls Ms [redacted] refers to in her complaint In the August call,we found that Ms [redacted] provided her account number for the payment, but then when asked by our agent to repeat it gave the account number with one fewer digit This second number was what was entered and as a result not identified Our agent should have detected Ms [redacted] ’s error and asked her a third time Ms [redacted] is correct regarding her August call, in that our agent should have noted that the August payment had been returned due to the incorrect account number We apologize for the omission We are sorry that Ms [redacted] felt payments were difficult to makeFirst Progress accepts payments from online billpay services, third party payment providers such as MoneyGram, and always by mail at the address preprinted on all statementsWe think Ms [redacted] misunderstood that processing a credit balance refund can take up to days; a refund has been issued by mail as of September 5, If there are any additional questions, Ms [redacted] may contact Customer Service Department at (866) 706-during our hours of Monday to Friday, am to pm Eastern Time, or Saturday, am to pm Eastern Time Sincerely, First Progress cc: [redacted] Synovus Bank PO Box Columbus, GA 31902-v

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

December 9, Revdex.com Attn: [redacted] 12th Street PO Box Columbus, GA RE: [redacted] Case No.: [redacted] Dear [redacted] ***: We are in receipt of your correspondence on behalf of [redacted] ***We remain committed to maintaining a high level of customer satisfaction and appreciate the opportunity to assist Mr [redacted] applied, and was approved for, a First Progress security credit card account with a credit limit of $on April 1, Mr [redacted] provided a security deposit of $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 $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, Due to the credit balance refund being issued, when the annual fee of $was assessed, on April 30, 2015, a balance due was created, as reflected on the May 22, billing statementThese 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 statementsEach month a payment was not received, he had been assessed a late payment fee, and after consecutive months with no payment received, the account was closed due to non-payment, on September 23, The security deposit of $was applied against the outstanding balance $178, resulting in a credit balance of $On November 22, 2015, a refund was issued and mailed to the address on file for the amount of $ When Mr [redacted] spoke with our customer service department on November 27, 2015, he was advised of the status of his accountAt this time, the agent waived one late payment fee of $as a one-time courtesy, resulting in a credit balance of $ As a courtesy, we have removed the past due reporting from June to present, and submitted a correction to the major credit reporting agenciesWe have also waived the annual fee of $assessed on April 30, 2015, and all late fees assessed due to the annual feeThe additional fee waivers bring the total credit balance to $A refund check was issued on December 8, and Mr [redacted] should receive his refund within 7-business days As the security deposit has been refunded to Mr [redacted] in full, we are not able to reinstate the accountMr [redacted] is welcome to apply for a new First Progress accountIf there are any additional questions, Mr [redacted] may contact Customer Service Department at (866) 706-during our hours of Monday to Friday, am to pm Eastern Time, or Saturday, am to pm Eastern Time Sincerely, First Progress cc: [redacted] Synovus Bank PO Box Columbus, GA 31902-