First Progress Card

February 18, 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 [redacted] made a payment of $198.21, which posted to her account on February 9, Ms [redacted] has not been able to use her card, due to the payment hold described at time of application and in the Cardholder Agreement: “For all payments, depending on the payment amount and/or how long your account has been opened such payment will not increase your Available Credit until we are assured that he payment has not been dishonoredThis payment hold may take up to ten (10) days.” A hold for days is due to verification of the funds availability from the account used for paymentMs***’s payment was processed on February 9, 2016, with an effective date of February 9, While the payment was posted and credited to the account immediately upon processing on February 9, a hold was placed on the amount of $until we are certain that the funds will be honored by Ms***’s bankPayments are posted immediately upon receipt; however, as stated in the agreement, we do place a hold on the availability of the funds for verification from the bank on which the payment is drawnThe hold was released, and funds were made available on February Ms [redacted] has successfully been able to use her card to make purchases today 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-

This company is awful their customer service number is non existent and it hangs up on you I applied for this card and decided to go with another company they have yet to refund me my dollars

January 28, 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 indicate Mr [redacted] was provided with copies of his billing statements, per his request for a validation of his alleged debt, on July 29, A second request was received and fulfilled, mailed to Mr [redacted] on August 22, Mr [redacted] ’s account first became past due in March 2013, when his minimum payment of $35, as stated on his February 4, billing statement, was not received by the due date of March 1, A second past due occurrence in October 2013, when his payment of $300, received on September 30, 2013, was returned by the issuing bank for insufficient funds on October 3, A message was included on his statement to advise him the account was past due Payment was not received by November 4, 2013, resulting in the account becoming 30+ days past due, and a note included on his statement, advising “late payments, missed payments, or other defaults on your account may be reflected on your credit report.” When Mr [redacted] failed to make a payment by December 1, a message appeared on his December 4, billing statement advising him that we have closed his account, as well as a reminder that we may report late payments, missed payments, or other defaults to credit bureaus When no payment was received by January 1, 2014, the account became days past due On January 15, 2014, Mr [redacted] ’s security deposit of $was applied against his outstanding balance, leaving a remaining balance of $ Payment was received on March 7, 2014, bringing the account current with a $ balance As the negative reporting to the credit bureaus is accurate, we are not able to remove this from his reports Under the provisions of the Fair Credit Reporting Act, we are responsible for accurate furnishing of information to the credit reporting agencies Further copies are attached of the account statements which were mailed monthly Our records of the call to Customer Service do not indicate that a copy of the Cardholder Agreement was requested, but copies are always available online at www.firstprogress.com 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] Synovus Bank PO Box Columbus, GA 31902-

March 13, 'Times New Roman 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 Ms [redacted] had trouble logging in to the First Progress Customer Center as she was unaware of her “security passphrase” required for login (all applicants supply their own chosen security passphrase at the time of application) On March 11, she spoke with a Customer Service supervisor, who was able to supply the phrase Ms [redacted] had chosen at the time of application and reset her login We hope that she is now able to successfully access the Customer Center online If not, we would encourage her to contact Customer Service for further assistance Sincerely, First Progress cc: [redacted] Synovus Bank PO Box Columbus, GA 31902-

January 30, 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 First Progress does not issue “prepaid credit cards” Mr [redacted] applied for, and was approved for, a secured credit card, in which he provided a deposit of $to secure the line of credit with this account At the time of application, Mr [redacted] agreed to the Electronic Communications Agreement by clicking “Yes, I Consent to the Electronic Communications Agreement” The agreement states : “By checking the Electronic Communication checkbox, you indicate that you have reviewed this Agreement including the disclosures which follow below, and that you consent to our electronic delivery to you of the categories of legal agreements and other notices and disclosures (collectively, “Disclosures”) listed belowYou also agree that your signing electronically any of the agreements listed below, or your completing or signing this online Application for the secured credit card account or any acknowledgment or ACH authorization we provide you electronically in connection with your Application or the secured credit card account or related security Deposit account, shall constitute your signing and delivery of such agreements, or your completing or signing and delivery of such Application, acknowledgement or authorization, as the case may be, to the same extent as if you completed or signed and delivered to us a paper version of sameYou agree to maintain a valid email address as long as you have this secured credit card account or related security Deposit account, including any replacement or substitute account for either (together, all of the foregoing are referred to below as the “Accounts”), and to promptly notify us of any change in your email addressYou acknowledge and understand that our ability to provide you information and notices is dependent on your maintenance of a valid email address.” In addition, a copy of the Cardholder Agreement was mailed to Mr [redacted] with his card at the time the account was opened A copy of that agreement is attached for your reference If Mr [redacted] has any additional questions, he may contact our Customer Service Department at (866) 706- Sincerely, First Progress cc: [redacted] Synovus Bank PO Box Columbus, GA 31902-

face="Times New Roman"> August 10, 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 account on June 30, 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] ** *** 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, 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-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-

October 23, 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 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 $security deposit using a MasterCard ending in *** on 21-Sep-2014, at 13:45: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- 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-

May 5, 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 [redacted] ’s account was opened on February 26, On March 20, 2014, we received Ms [redacted] ’s card which was returned by the US Post Office as undeliverable from [redacted] ***Per our records, Ms [redacted] called to inquire about the status of her card and was informed that there was a block on her account due to not having a correct mailing address on fileMs [redacted] provided us with the mailing address: [redacted] A replacement card was issued on May 1, 2014; Ms [redacted] should be receiving her new card in 7- business days We would also like to clarify that our phone number is 866-706-not 800-706-5543, as listed in the complaint If [redacted] has any additional questions, she may contact our Customer Service Department at (866) 706- Sincerely, First Progress cc: [redacted] Synovus Bank PO Box Columbus, GA 31902-

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 Is below I have attempted to contact [redacted] several times by phoneHe always passes the buck To one of his employees and will not deal with me directly.I find it rude and less the professional First Progress was sent all paperwork and bills for each seperate accountMy wifes and Mine Were both included in the same envelopeThey are attempting to make it look like we were irresponsible In some wayI Assure you we did everything correctlyOn prevoius attempts to pay our bills it took this company Anywhere from to days to process our paymentsNOT acceptable! I TRIED CALLING [redacted] , again he would not talk to me on the 3rdHe had his employee tell me That corporate couldnt find it and the lost itI had to request a refund from.western union which cost me 15$ service charge and another dollars for mailI was told it could take up todays to get this refund I sent it tuesdayso I suggest u just put my account on hold and stop charging me [redacted] because your delayed Payment on my account is a result of your companies neglect I DESERVE TO BE REIMBURSED FOR MY TIME , TROUBLE AND EXPENSEHow about You cyt through the Red tape...stop making excuses and fix this problem Very unhappy, Mr [redacted]

Absolutely terrible experience with this company Called customer non-service multiple times, multiple times call is dropped at various points whilst working my way through the telephone tree Some of the telephone choices are invalid and so your call is dropped once again Card delayed, change of address delayed, charged a late fee for a card I hadn't even received, took forever to reverse the charge And to get your security deposit back: days! That's weeks folks Almost months! TOTALLY ABSURD! (They can debit my checking account immediately but it takes them DAYS to send *my [redacted] money back to me??)

'Times New Roman July 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 As per the application submitted by [redacted] , at www.firstprogress.com, there is an optional $fee for expedited processing of the credit application, which normally can take up to three weeks Selecting the expedited processing option can reduce the processing time of the application by at least days [redacted] ’s application was submitted online on May 27, at 1:36am Eastern Time It was approved on May 28, and a card mailed to the address specified on the application, W10th Ave., Apt 3; which we note is different from the address on the complaintThis was in fact at least days faster than the promised three week processing timeAs stated by Mr [redacted] , the card was received on June 5, According to our records, Mr [redacted] used the card on different occasions, most recently on July 4, after activating the card We are not aware of any inability to reach our Customer Service department, which handles hundreds of calls each business day, during this time period We nonetheless appreciate that Mr [redacted] is dissatisfied in the First Progress CardAs a courtesy, we would therefore refund 1) Mr [redacted] ’s account for the $annual fee and 2) refund the $fee paid at the time of his applicationWe will also close his account and credit him for the security deposit paidAfter accounting for the purchases made, the remaining credit balance will be mailed in a check to Mr [redacted] at his address now listed, [redacted] unless directed to the contrary We are sorry that the First Progress Card did not satisfy Mr [redacted] If there are any additional questions, [redacted] may contact Customer Service Department at ###-###-#### 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-

October 21, 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 October 20, 2016, First Progress has not received a payment from Mr [redacted] ’s bankWe advise Mr [redacted] verify with his bank if they sent the payment electronically or a physical checkIf the payment was a physical check, it can take 7-business days to be receivedWe are unable to post his payment until it is received If there are any additional questions, Mr [redacted] may contact Customer Service Department at (866) 706-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-

April 23, 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 The merchant, Vesta, a telecommunications provider, never released the authorization of $Therefore, the hold was active until April 21, As of April 22, 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 Columbus, GA 31902-

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] In reference to the letter sent to Revdex.com, The letter sent to me dated February 27, was not received until March 7, (days later) In the letter it stated the identity verification information required and a due date within days of the letters date That will require me to provide the information by this Friday the 14th Therefore time is limited The letter gave no fax information If my initial calls had been answered or my messages responded to I could have taken care of this in an expedited manner Another option would have been for the company to list the required identity verifications on the online update notes as well as mail the letter Tomorrow, Monday, I will try the new phone number provided in the recent letter I received Hopefully when I call this situation will be settled I appreciate the letter to Revdex.com verifying the payment process **

April 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] had two First Progress accountsAccording to our records, Mr [redacted] opened these accounts in March but did not make any payments for seven months after August As a result, the monthly account statements beginning with the statement dated December 12, showed the account as past dueThe accounts were finally closed for nonpayment in March The account statements were mailed each month to the address of record, [redacted] ***, and are provided at no charge in the online Customer Center at www.firstprogress.comWe notice, however, that the address Mr [redacted] put on his correspondence, [redacted] ***, is not the address of record he provided for his First Progress Card accountsPerhaps he moved but did not provide us with his new address until now? First Progress agents stand ready to take calls at the number provided on the back of each card between the hours of am and pm, Eastern Time, Monday to Friday, as well as am to pm SaturdayOur records show that Mr [redacted] called and spoke to one of our representatives on April 1, 2016, but not prior to that date The credits remaining after Mr***’s accounts were paid in full, $1,and $263, will be provided to him via a credit balance refund check mailed to the address listed in the complaint, [redacted] ***We will issue this check no later than April 7, We are sorry that we are unable to reopen Mr***’s accountsIf 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] ***s Synovus Bank PO Box Columbus, GA 31902-

January 29, Revdex.com 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 As Mr [redacted] has closed his account, as a courtesy, on receipt of this follow up complaint, we have removed the 30+ days late reporting from his credit reportsThe update was submitted to the credit reporting agencies on January 27, 2016, and may take up to days for this update to be reflected on his reportsWe hope this fully satisfies Mr [redacted] in regard to his First Progress Card If there are any additional questions, Mr [redacted] may contact Customer Service Department at (866) 706-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-

New Roman"> October 23, 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 currently accepts payments through several different means, including online electronic billpay initiated by customers at their financial institution or a third party provider, as well as all payments mailed to the remittance address (provided on each statement, along with an envelope for the customer’s convenience) As disclosed at time of application and in the Cardholder Agreement, payments will be credited on the business day they are received, but we will need to “hold” the payment until we are assured that the payment has not been dishonored; this payment hold may take up to ten (10) days Mr [redacted] ’s payment was received via the fully optional telephone payment service and immediately applied against his outstanding balance on October 6, According to our records of the call, the hold of up to days was disclosed to him at that time This payment was credited to the account that same day, as shown on the statement dated October 12; but the available credit was not increased until the hold period had passed Per Mr [redacted] ’s verbal request, on October 13, 2015, we have closed his account, and issued a refund of his security deposit According to our records of the call, he was informed that, as per the terms disclosed at the time of application and in the Cardholder Agreement, the security deposit would be applied against any outstanding balance and any remaining credit refunded within weeks If a written request is received to expedite the refund process, the credit refund will be issued within days We have regarded this complaint as a written request and issued the credit balance refund accordingly 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] Synovus Bank PO Box Columbus, GA 31902-

face="Times New Roman"> March 20, 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 must object to Ms***’s characterization of First Progress as “unethical” or a “scam” First Progress has served tens of thousands of customers , and has responded promptly to every customer issue the Revdex.com has forwarded to us Ms [redacted] herself has had the account since August of 2014, and we have no record of her making any communication to us, either by phone or in writing, since the date the account was opened until the date of this complaint According to our records, Ms [redacted] did telephone us on March 17, to request closure of her account The account was closed as she requested We do advise, at the time of application and at account closure, it can take up to weeks for a credit balance refund check to be issued, unless a written request to issue the refund on an expedited basis is received We are not able to issue the refund directly to her [redacted] account, As Ms [redacted] has requested the refund in this complaint, we have issued a refund in the amount of $on March 19, She will receive a check within 7-business days 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-

October 16, 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 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 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- Sincerely, First Progress cc: [redacted] Synovus Bank PO Box Columbus, GA 31902-

July 25, 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 Ms ***’s security deposit was refunded in full on July 23, 2014, as we previously statedWe have attached a copy of the transaction record with her bankIn the complaint, Ms [redacted] also stated that she failed to receive a response to her letterWe have also attached a copy of Ms***’s letter, with the postmark clearly showing the date July 18, We find that Ms***’s written request for a refund was in fact promptly responded to Unfortunately, we are unable to fulfill Ms***’s request to amend her credit filesUnder the provision of the Fair Credit Reporting Act, we are responsible for accurate furnishing of information to the credit reporting agenciesAs Ms [redacted] did indeed apply and open a First Progress account, the information was accurate as furnished Ms [redacted] states that she does not appreciate the tone of First Progress’s responseThe sentiment is reciprocatedMs [redacted] applied for the First Progress card at no cost to her, and when she decided that she no longer wanted the card, she received a refund in full within one week of her postmarked requestMeanwhile, First Progress has incurred all the costs of processing her application, account opening materials, payment, refund, and correspondenceWe do not see what grounds Ms [redacted] has for complaint, and remain proud of the service provided to tens of thousands of customers daily We regret that Ms [redacted] was dissatisfied but hope this successfully resolves the situation First Progress cc: [redacted] Synovus Bank PO Box Columbus, GA 31902-