First Progress Card

I've been with them a monthWhen calling to confirm some application info, the lady on the phone flat out lied to me saying I could pay bills online with a debit card, neglecting to mention that you have to sign up for a 3rd party bill pay serviceIt's been over a week since I made a payment and it hasn't shown up on the account activity and their complete lack of customer service and contact info makes it impossible to make status inquiries

face="Times New Roman"> April 13, 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 A hold has been placed on Mr [redacted] ’s account due to the patterns of activity on the account These patterns, especially within the first few months of the account opening, has been found in other instances to be associated with potential suspicious activity We received required verification, and the hold was removed from Mr [redacted] ’s account on April 6, He was able to make additional purchases using the card that same day If Mr [redacted] has any additional questions, he may contact our Customer Service Department at (866) 706- Sincerely, First Progress *** [redacted] Synovus Bank PO Box Columbus, GA 31902-

face="Times New Roman"> September 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 Ms [redacted] ’s July 4, billing statement reflects a minimum payment of $ due by August 1, Ms [redacted] did make a payment on July 29, however the amount of $was less than the amount to satisfy the required minimum payment, therefore a late payment fee of $was assessed on August 4, Each month since then, Ms [redacted] has only made a payment of $25, which is less than the required minimum payment reflected on her billing statements Even though she has made a payment, if the payment does not satisfy the required minimum payment, a late payment fee is assessed, as per the cardholder agreement In order to not receive a late payment, Ms [redacted] must pay the required minimum payment as reflected on her billing statement each month Currently, her September 4, billing statement has a minimum payment of $ If we receive a payment of at least this amount by the due date of October 1, 2015, she will not be assessed a late payment fee The late payment fee of $that was assessed on September was waived as a courtesy on September 8,2015, and this credit will appear on her October 4, billing statement 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-

March 8, Revdex.com Attn: Rosemarie Cook 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 disclosed in the application process, the annual fee was charged upon account openingOur records indicate Ms [redacted] has also used the card for the transactions indicated belowIf any of the transactions were unauthorized, Ms [redacted] should write us at P.OBox Columbus, GA 2/4/$Annual Fee 2/18/$AmazonPrime Membership 2/22/$Victoria’s Secret 2/29/$Journeys Kidz We do not show that the statement dated February 27, has been returned by the USPS; therefore, we suggest Ms [redacted] check with her local postal carrierIn 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-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] ***

[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 resolvedAlso, I have copied my statements that reflect only owing a minimum payment of $I am not sure where the mix up happen but I paid the exact amount requested of meI July I paid $also but I only made the $payment because the computer system stated that was the correct amount Regards, [redacted]

April 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 As stated in our previous response, the annual fee of $was credited to the account on March 20, This was after the billing cycle ended for March, as the statement was prepared on March 12, Mr***’s next statement, dated April 12, 2015, includes the credit of $and shows the account having a $balance due to the fee being waived As previously stated, we had requested in March that the credit bureaus delete any record of Mr***’s account The account is closed with a zero balance in our records We hope that this matter has now been resolved Sincerely, First Progress cc: [redacted] Synovus Bank PO Box Columbus, GA 31902-

face="Times New Roman"> July 20, Revdex.com Attn: [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 First Progress sends all cardholders a monthly billing statement every month Mr [redacted] ’s April 4, statement had a notice advising his annual fee of $would be billed on the next statement When the annual fee was assessed, on April 30, it was posted to the May 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 $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, am to pm Eastern Time, or Saturday, am to pm Eastern Time Sincerely, First Progress cc: [redacted] Synovus Bank [redacted] 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.I called First Progress was advised to send in documents where payments were debited sent over information supporting payments were made, company said not sure what happened and to make payments again ,made payment on 9/ for was advised can make payment on Tuesday tried to make payment for won't process ,this the last day I can make the rest of the security deposit ,when I call this company I get different answers they told me payment would post today still hasent Regards, [redacted] ***

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 Unfortunately, we have no record of any accounts with the name [redacted] If Ms [redacted] has used a different name when opening this account, we will need this name to locate her account 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 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 Ms***’s First Progress account was closed due to non-payment on August 22, This message was included on her billing statement of the same dateUnfortunately, 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, We have updated the address on file to the address Ms [redacted] provided on this complaint Prior to the account being closed, Ms***’s May 22, statement showed a payment due of $No payment was received, and the statements dated June and July warned that the account was past due and would be closed, but still no payment was receivedNone 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 dueMs***’s security deposit, in the amount of $300, was applied to the outstanding balance, and a balance of $remained dueAs 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 $This balance is due immediately 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-

face="Times New Roman"> January 16, 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 This complaint is the first notice we have received in regards to Mr [redacted] ’s desire to close his First Progress account We have honored his request, and his account has been closed, effective January 14, We have refunded his security deposit of $500, and issued a credit balance refund on January 16, He will 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] Synovus Bank PO Box Columbus, GA 31902-

December 16, 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] First Progress account was opened on November 20, His card was mailed to the address on file, as provided on his application, Camp St, Barre VT 05641- According to our records, the USPS took possession of the card mailer on November 25, USPS has confirmed that it was in their regional post office in Shrewsbury, MA as of December 9, If there are any additional questions, [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] Synovus Bank PO Box Columbus, GA 31902-

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

March 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] closed his First Progress account on December 20, At the time, he was advised it may take up to days to receive a refund of his $security deposit On February 4, 2014, a credit balance refund in the amount of $was issued and mailed to Mr [redacted] , to the address on file, [redacted] ** [redacted] Mr [redacted] contacted Customer Service on March 6, 2014, to inquire on the status of his refund At this time, he was advised of when we had issued the check and to which address it had been mailed The original credit balance refund check, issued on February 4, 2014, was returned to us by the US Post Office on March 7, We have reissued the credit balance refund, and Mr [redacted] should receive the check within – business days at [redacted] ** [redacted] If Mr [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-

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] To Revdex.com of WGeorgia- EAlabama & S.WGeorgia: The response from First Progress is very disappointing for many reasons First, after explaining in full to their representative, [redacted] what my issues were he agreed with me that a request for a pro-rated refund of the annual was reasonable Second, the notion that I used the card and, therefore, according to their rules I could not receive a on the annual fee is absurdHow was I to find out how bad their service was going to be without using the card? I'm dumbfoundedThe entire complaint revolved around the bad serviceAgain, why do they not simply refund what I askedI am not being unreasonable at allAnd even their own representative didn't think I was What happens next? I assume they will now sit on my money as long as they canIf they refund the balance in my account and I cash it, I must assume a court will consider the matter settled Do I have any recourse? I don't even have a means to immediately get the balance in my account backDo you have any suggestions? Thanks, [redacted]

face="Times New Roman"> August 31, 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 My [redacted] applied for a First Progress account via our website, www.firstprogress.com, on August 18, He did not request the expedited processing option, so his application was still in progress, as referenced by the secure email link he was emailed, at the time of his complaint Per his request, as stated in this complaint, on August his application of credit was withdrawn and Mr [redacted] issued a refund of his security deposit, in the amount of $to his VISA ending in [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-

April 11, 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 We received an application in the name “ [redacted] ” (not [redacted] as listed in the complaint) online on March 17, On March 28, 2014, we mailed a letter to [redacted] at the address provided on her application, the same as the address on her complain, requesting documentation to help verify her identity, but have not to date received a replyWe also proceeded to send an email to [redacted] , the email address provided on the application as well as on the complaint, at 2014-03-01:11:with a link to a secure site where she could view her application statusFederal law requires that we obtain, verify, and record information that identifies each person who opens an account Given the desired resolution listed in the complaint, we have withdrawn the application and refunded the security deposit in full 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-

March 15, 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 We try to help as many customers with their requests as we can, subject to the individual circumstances of their accountsWe 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, The $1,security deposit was promptly applied towards his account and a credit balance refund in the exact amount was issued on March 15, Mr [redacted] should receive the refund via check within 7-business days from the date of issue We regret that Mr [redacted] was disappointedIf he 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-

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 belowYou did accept payment by checking account on your site prior and made the change to not without notice or warningThat change without warning your customer first causes them to have to find alternate payment arrangements and can cause late paymentsEsp when trying to send my moneygram and don't include the correct account details, which happened to me Regards, [redacted]