First Progress Card

'Times New Roman August 1, 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] applied for a First Progress account on July 19, through www.firstprogress.comDuring the application process, there was a discrepancy when it came to [redacted] address [redacted] submitted her application with the address; [redacted] Unfortunately, the address did not match the records of the credit bureau reporting agencyAs Federal law requires banks to verify the identity of each person who opens an account, we were obliged to request additional information in regard to [redacted] application On July 30, 2014, Ms [redacted] called our customer service department requesting for a refund of her depositAs of July 30, we have withdrawn Ms [redacted] application and refunded the security deposit in full to her MasterCard ending in *** We regret that Ms [redacted] was dissatisfied but hope this successfully resolves the situation Sincerely, First Progress cc: [redacted] Synovus Bank PO Box Columbus, GA 31902-

No phone number on websitecustomer service is very poor once you find the number to get a hold of themThey deliberately make you wait a long period of time before sending you the card so they can keep your security deposit as long as possible so they can make the interest off your money and also so you pay their dollar fee to expedite the card shipmentWorst line of credit I have dealt with all aroundStay clear of this clown show

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.The $they are saying was owed was a late fee that was removedThen I get anotherYou cannot add a late fee to a late feePull the phone call this is ridiculous that I am arguing about thisAs soon as this account is settled I'm canceling this card because they do not have the customer in mind, it's about making money to them Regards, [redacted]

July 27, 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***’s card number was entered with the wrong CVV at an online merchant on June 15, This triggered an authorization block on the account and a review of the account for potential fraudThe next day, June 16, 2016, our Fraud Analyst called Mr [redacted] at the phone number of record on the account to verify that he had indeed made the transactionWhen not answered, a message to contact First Progress was leftA caller contacted us in regard to the account on July 13, 2016, but was unable to complete identity verificationLater that same day, a caller contacted us in regard to the account but identified herself as “ [redacted] ***”Our agent placed the call on hold while seeking guidance from a supervisor, concerned over potential identity theft as a [redacted] was not authorized on the accountAfter the delay, the caller was advised that we would need the verification documents referenced in the complaintA caller then contacted us on July to see if the documents had been received by fax and was told that we had received them, but unfortunately the image on the driver’s license was too dark to read and would need to be resentA second fax with the verification documents was received on July 16th and Mr***’s confirmation that the transaction in question was indeed made by him We apologize for the length of time required to resolve the fraud alert on the accountWhile we look forward to continuing to serve Mr [redacted] in the future, we are unable to refund him for his time spent in resolution of this matter 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-

'Times New Roman June 19, 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] contacted our Customer Service Department on June 17, During the phone call, the customer service representative had difficulty hearing [redacted] during the verification processFor this reason, the customer service representative proceeded to request for [redacted] to repeat some of her responsesThe call was then disconnected during the verification process by no fault of the representative First Progress strives to protect their customer’s personal informationWe hope [redacted] can keep in mind that we were doing our due diligence prior to releasing any confidential information 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-

May 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 When a cardholder closes their account, we do advise it can take up to weeks for the credit balance refund to be issued, as per the cardholder agreement, unless a written request to issue the refund is received to expedite the refund process Upon receipt of this complaint, we have issued a refund for the amount of $on May 9, Mr [redacted] should receive his check within 7-business days of this date 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-

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.]All my payments were submitted to the bank prior to the due date of the 19th and we're generally submitted on the 15th or 16thIt is not my fault that payment was not processed on time by either First Progress or the bankI should not be held accountable for late charges when I myself submitted the payments on timePlease refund the remaining late payment fees for the previous payments also Regards, [redacted]

[A default letter is provided here which indicates your acceptance of the business's response If you wish, you may update it before sending it.] Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution would be satisfactory to me I will wait for the business to perform this action and, if it does, will consider this complaint resolved When I receive my $dollars I will advise you and then and only then I will consider this file closedThank You so much 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 On June 30, 2014, Mr [redacted] received an email to advise of a change in terms On August 15, a change in terms went into effect, in which we no longer accept payments via our website, www.firstprogress.com When Mr [redacted] submitted his application, he checked the box consenting to Electronic Communications of important notices regarding your account: You must indicate you’ve read and consent to the Electronic Communications Agreement: Yes, I consent to the Electronic Communications Agreement 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.”) First Progress displays our phone number in various locations for cardholders to easily locate it for when they need to contact customer service The number, (866) 706-5543, is located on the back of every First Progress credit card, as well as on every billing statement 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"> June 25, 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 When Mr [redacted] applied for his First Progress account, he provided the address of [redacted] *** A card was mailed to this address after the account was opened, on May 11, Mr [redacted] contacted customer service on May 20, advised he did not receive his card yet He was advised of the timeframe to receive, - business days He contacted customer service again on May 28, at which time we requested a replacement card This card was mailed to the address on file, which was verified by Mr [redacted] as being correct On June 17, Mr [redacted] contacted Customer Service again in regards to non-receipt of his card He was advised “It should be there tomorrow” and to contact us if the card does not arrive When he contacted us on June 18, the card still had not arrived, and a third card was requested This was also being mailed to the address on file, which Mr [redacted] had again verified as being correct Upon receipt of this complaint, we noticed that Mr***’s address included an apartment number, which was not provided on his application We have reviewed the recordings of each call, but did not hear Mr [redacted] mention an apartment number We have added the apartment number, and on June 24, a new card was issued, to be mailed to the address Mr [redacted] provided on his complaint, [redacted] ** *** We hope that USPS would deliver this card to this address 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-

April 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 Our records reflect that a First Progress Card was opened for Mr [redacted] on March 10, pursuant to his online applicationMr [redacted] contacted Customer Service on March 24, advising his First Progress card had been lostFor Mr [redacted] ’s protection as well as ours, the lost card account ending in [redacted] was blocked and a new card was issued (at no charge) ending in [redacted] Mr [redacted] ’s credit history will continue to be reported monthly, under the new account number ending in ***, to the three major credit bureaus, Experian, Equifax and TransUnionIf Mr [redacted] ’s new account is not appearing on one of these credit reports, it may be due to a dispute or other information filed by the consumer with that bureauIf this is the case, Mr [redacted] will need to contact the bureau directly to have the alert removed 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-

11pt;">March 24, 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] called customer service on October 28, to request to close his accountDue to an error by our customer service representative, at that time the account was not closedAs a result, Mr***’s account subsequently incurred late payment fees in the amount of $and interest charged totaling $as well as this year’s annual fee of $We have removed these fees totaling in $184.52, as well as submitting an update to the credit bureau to remove any negative reporting Mr***’ statement was returned by the US Post Office as undeliverable on October 30, from [redacted] , which matches the address provided on this complaintWe placed a call to him on January 11, but were unable to reach him 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-

June 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 According to our records, a First Progress account was opened for Mr [redacted] on June 21, pursuant to his online applicationFirst Progress always accepts payments at no charge made in good order to our payments addressIn addition, in order to better serve our customers, First Progress accepts online electronic billpays initiated by our customers at their financial institutionsIn his complaint, Mr [redacted] states that he signed up for billpay twice, yet the payment was never withdrawn leading to a late charge We of course have no records of Mr [redacted] ’s interactions with his bankOur records show that only one payment on this account was made via electronic billpayThis payment for $was received on October 30, and credited to the account the same dayWe can therefore only recommend that Mr [redacted] take this issue up with his own bank Mr [redacted] further states in his complaint he wrote to First Progress regarding this issueAccording to our records, when Mr [redacted] called our Customer Service department regarding our not having received electronic payments from his bank, our agents advised that he mail or fax to us a letter from his bank stating that electronic billpay had not been made due to their error, and that if such a letter were received we would remove any late fees and remove negative credit reporting due to such errorsHowever, we do not show receipt of any correspondence regarding this account Mr [redacted] further states in his complaint that “on 6-7-I had my final dispute paying off my remaining balance and canceling my accountAn associate falsely represented herself as an manager after I requested one and being on hold for minutes and attempted to resolve the dispute on her own I was then on hold for another mins before being forced to hangup.she also said my security deposit would be returned.” We have reviewed the recording of this call in responseMr [redacted] asks our Customer Service agent “Are you a manager?” The agent answers noMr [redacted] then asked to speak with a supervisor, and the agent transferred the call to the supervisor on duty; but when our supervisor received the call Mr [redacted] had already hung upThe supervisor then immediately attempted to call Mr [redacted] back at the phone number of record, but it was not answered In response to Mr [redacted] ’s request on June 7, 2016, First Progress closed the account and credited the security deposit of $at that dateA credit balance refund check for $was issued on June 10, and mailed to Mr [redacted] ’s address First Progress had accurately reported the unpaid balance to the credit bureausThis complaint does not contain any facts to provide a basis to request a change to the credit reportIf Mr [redacted] ’s bank has made an error in failing to process his electronic billpay, we would request a change in the historical credit reporting on this account First Progress will not pay any further recompense or damages requested by Mr [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-

face="Times New Roman"> December 19, 2014 RevDex.com Attn: [redacted] 500 12th Street PO Box 2587 Columbus, GA 31902 RE: [redacted] Case No.: [redacted] Dear [redacted] ***: We are in receipt of your correspondence on behalf of [redacted] ***. We remain committed to maintaining a high level of customer satisfaction and appreciate the opportunity to assist. We are sorry to hear Ms. [redacted] is having trouble reaching First Progress. First Progress does provide a phone number for customers to contact customer service. This number, (866) 706-5543, is located on the back of their credit card, as well as on each billing statement. Records do not show any outages of that number for any day during the past month. First Progress mailed the billing statement dated October 4, 2014 to Ms. ***, at the address on file, which matches the address on this complaint, [redacted] . This was returned by the US Postal Service as “Return to Sender, Not Deliverable as Addressed, Unable to Forward”. The new card we mailed on October 31, 2014 to the same address was also returned to us for the same reason. If there are any additional questions, Ms. [redacted] may contact 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 Action already taken care of thank you very Much first progress Regards, [redacted]

face="Times New Roman"> January 14, 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. According to our records, on July 11, Ms. [redacted] had told our customer service supervisor [redacted] that our July response to her BBB complaint would suffice, and that no further letter was needed. On September 20, our agent explained to Ms. [redacted] that she could obtain a letter if she faxed or mailed a request for a letter to our Correspondence Department with the specifics of her request. We stand ready to send a further letter directly to Ms. [redacted] ’s mortgage company explaining our error in June 2014, if Ms. [redacted] specifies the name and address to whom such a letter should be sent. We have removed from the account records the delinquency resulting from our error in June 2014. However, the statement dated August 4, 2014, which shows the $190 credit we placed on the account in amends for our error, showed a minimum payment due by September 1 of $35. No payment was received until November 7, and no further payment has been received as of the date of this letter, so the account remains past due. Unfortunately, under the provisions of the Fair Credit Reporting Act, we are responsible for accurate furnishing of information to the credit reporting agencies. Having investigated the delinquency, we are unable to fulfill her request, as the information furnished since August was accurate as of that date. 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 20, Revdex.com Attn: [redacted] 12th Street PO Box Columbus, GA RE: [redacted] Case No.: 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] was approved for a First Progress account on August 31, His card was requested at that time, and mailed to the address on his application, [redacted] On September 16, 216, the USPS returned the card to us as “unable to fwd” We noticed Mr [redacted] provided a slightly different address on his complaint, [redacted] ***If this in fact is his correct address, Mr [redacted] should contact our Customer Service Department to update his address, and we would mail a new card sent to his correct address 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-

[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 is the best I can getI dont care about the money but the blatent disrespect on behalf of this company is madeningI did talk with customer service that's how I found out about the problemI did talk to them several months prior when I knew I wouldn't beable to adress the account due to being in the hospital for monthsI was told that I would be fine if I stayed under I did check my acount online regularly and it never showed deactivation or had a message saying that it was pending deactivationI did not check my mail because I was inpatientI dont care to argue with the company so I will count my loss and never use these guys againI greatly appreciate your work in this mstterI will wait for the business to perform this action and, if it does, will consider this complaint resolved Thank you, [redacted] Regards, [redacted] ***

May 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 According to our records, Mr [redacted] applied online for a First Progress Card on March at 1: PM, including the acknowledgment that “I authorize you to obtain and use consumer reports on me and exchange information about me in connection with this application and any update, extension of credit, review, or collection of my account.” We offer an optional Apply Now & Fund Later service for a non-refundable fee of $29.95, Mr [redacted] then proceeded to select this option This option allows you to have you application processed and receive your card before providing the required security depositExpedited Processing is included (a $value!), and – if approved- your card will be sent to you for activationYou can then provide the refundable security deposit anything within days by debit or prepaid card and begin using you card one business day after we receive your funds The following box was then checked by the applicant: Authorization By checking this box, I sign and agree to authorize Synovus Bank (or its agent) to initiate this debit or prepaid transaction from the account listed above in the amount of $I hereby agree to be charged this amount as a non-refundable Apply Now & Fund Later Service fee Mr***’s application was approved on March 26, and a First Progress card in his name mailed to him on that date As provided with the application, he has days from the date of application to supply the full security deposit in order to activate his account If [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-

[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] ***