First Progress Card
Reviews and Complaints

I've been a customer with fp for a few years. I've never had any issues with them until now. I've always paid my bill on time, never had a late fee, no nothing. I only use this card when shopping online or in case of a emergency. Well i paid over the initial $200 that my credit line is for. BIG MISTAKE! Now they have locked my card and I'm having to jump thru hoops to get it unlocked. I called and was told I was mailed out instructions as to how to take care of it, well that's great but I'm a truck driver I said, I don't get to see my mail very often. So I was told to mail or fax in a copy of my driver's license or passport, my ss card, and a bill or bank statement. I chose to fax in everything they asked for. I called back and they said they received it and had to look it over. It will take 48hrs before the block was lifted. 48hrs later and block still on. I called and was told my documents couldn't be valiidated by the company boss. I need to send the bank statement that shows where I paid them. Now mind you I have been paying them from this same bank and same way for quite some time now. But since I paid so much over the $200 they need to make sure I haven't reversed the payment. I paid 12/11 it's 12/20 wouldn't you know if I tried to reverse the payment by now! This is ridiculous. Now what I was trying to pay off might not be paid on time because of them!

I'm planning a class action lawsuit against First Progress dba Synovus bank for Unfair, Deceptive and Abusive practices, violating the Consumers Protection Act, Fair Credit Act, Federal Trade Commission Act Section 5, and much more.

Please get in touch with me if you want to be part of the lawsuit. I gave them two weeks to answer my letter; if they didn't, I would bring them to court for a class action. We can't let the banks do this to their clients.

Email: [protected]@proton.me

Calvin S

What the hell is going why doesn't my card number work when I enter 16 digits for customer support says it's incorrect every time when I spoke to someone yesterday. They said my $450 that I paid on the 6th of July and the 600$ that i paid on the 10th would reflect by today it hasnt and my credit limit is only $800 how the hell can you even do thar and I called to stop payment on the 600$ check through my bill pay the next day I saw that it was made . Your representative lied about everything he said I am furious Noone will talk to me and how can you accept more money than my credit limit my balance was 700 the 450$ bill pay payment was plenty why couldn't I cancel the $600 bill pay payment if it's a check .

First progress has disabled to option of making electronic payments online They want to force you to use their agents that charges $10 to process payments or you have to use bill pay from your bank that takes a couple of days.

If the payment is not made way before the due date ,it will not get there in time and they will be able to charge a late fee.

SCAMMERS . DO NOT APPLY FOR THIS CARD

I just got my credit card to build my credit and a charge was placed on my card for a rental but was not processed it was a hold but never charged as i didnt complete the transaction. I noticed my balance changed immediately contacted customer service to be told it would be available in my account the very next day (its now day #3 ive contacted customer service , where they claim the funds were released back to my account as i need to use the card as of 3 days ago and still nothing. Filed 2 escalation assistance forms with the supervisors and still nothing has appeared back into my account from this...Not getting any real assistance other than being lied to and mislead...Still needing to make my purchase with enterprise as well

I'm a new customer and I can already tell that I made a big mistake by choosing First Progress. I received my card last week and I'm still not able to use my Credit Card. Please know that I followed the instructions by going online. Let's talk about their customer service phone system, ABSOLUTELY HORRIBLE! I've made over 30 calls before I was actually able to speak with a live representative. I would get the high call volume message before the phone hangs up. Their automatic phone service doesn't specify if they will open 9am eastern time or standard time. Here's what I've learned thus far about First Progress: I paid my security deposit online using a debit card but the representative told me that they don't accept debit card payments online nor over the phone. To make a payment over the phone using a checking account it will be a $10 fee. She mentioned going to Walmart to make a payment which will also be a extra fee. My goal is to save money and build my credit. She also advised me that I probably could check with my bank to see if I can make my payments using my bank account. I asked the Representative how long would I receive my deposit if I choose to cancel my account. 10 weeks is what I was told. This entire experience with First Progress have been a stressful one. They are not customer service friendly and I cannot stress that enough. I would not advise anyone to do business with them. I'm so mad at myself for not reading the the reviews that was made by other unsatisfied customers before I signed up for this headache.

First Progress Card was the worst experience I have ever had with a card! Everything started out fine, I submitted my application and payed for approval without my deposit and made both the prepayment and deposit payment right from there website. The inconvenience started at my first payment. iI found out they don't except payment direct I could pay money gram, send a check/money order, use billpay with my bank which is basically a check my bank mails for me, or I can pay $10 for over the phone. I chose billpay through my bank, BIG MISTAKE. Payment took three and a half weeks to arrive so i was told, they blamed the mail even though my banks tracking said it was delivered. I watched my bank account and saw that the check had cleared and First Progress had been paid. Now i notice that my account balance went down by the 100 dollars i sent but they said they were holding payment for 10 business days until funds could be verified available, which i had confirmation number that check had cleared. Appon speaking with customer service manager i was told about the 10 day hold but manager couldn't explain why there was a hold after they had already received my payment. I got so tired of the run around that i told manager to just cancel card. Manager told me it would be 10 weeks to receive my refund which is absurd. She told me I could Fax an expedite request but never told me that apparently there is a $19 charge for this to get back my own money. This card was a horrible experience and I don't recommend this company or card to anybody. NOT WORTH THE HEADACHE!

This credit card company is terrible. First Progress is suppose to be about helping build up your credit that is bull. The first time I opened my card I put more than what it asked for but I put enough for the first fee to open it up and they charged me a late fee. Terrible I called back each month about this company or having issues with this card. I used it and I was one day late called the next day they did not have any sympathy they said they do not give grace periods. If you try to make a payment they charging $10 fee for you to just make a payment. I never got a chance to use the card. I lost my job from the pandemic and they did not care at all to help out and I was still trying to make a payment. I was told that I could not make a payment using my other card I had to use a checking out number, I told them that I did not have any money in the checking account they want me to use they charged me from $80 to $149 by putting $10 for a payment that I did not get to make, another late fee plus what I owed. This is terrible and you are paying back more than what you are trying to build. The supervisor was very rude and did not care I told him that I was going to just cancel the card he told me well it already been cancelled by not even confirming if I was going to cancel it. He did not care told me if I have money after the remainder of the card that it will take 10 weeks for me to get money back. What a bad bad company. I hope the Complaintsboard.com look into all the negative that everyone is going through with this company and close it and everyone need to file a lawsuit.

Actually, I rate First Progress Card zero stars.

On June 25 I applied for a secured MasterCard via the Credit Sesame app. At the same time I also funded it with an electronic withdrawal of $1,000 from my checking account. I was informed that my card would arrive in 7-14 business days or I could pay $19.95 for it to be "express processed". I chose to wait the 7-14 business days.

On July 10 I received a letter ( dated July 06) from First Progress. In caps is typed:

PLEASE PROVIDE A COPY OF YOUR U.S. DRIVER'S LICENSE OR PASSPORT
PLEASE PROVIDE A COPY OF YOUR MOST RECENT UTILITY BILL OR BANK STATEMENT

They requested that I send these copies to "the address above" :
First Progress *** I find this request VERY unethical on many levels.

The letter further states to call a phone number( that is not allowed in this review )should I have any questions. So I called and explained that the nature of my call was to verify my identity. The representative, Brandy, asked for my full SSN. I paused but then gave it to her with the expectation that she would reply with another bit of my personal information such as my first name or street address. Then I would fill in the rest proving that I am the person who applied. Brandy insisted that was not acceptable and I had to supply my full name and address. I did so after I requested that she refund my $1,000 deposit.

According to Brandy, my $1,000 deposit should be electronically refunded in 3-5 business days. We shall see.

A legitimate financial institution does not conduct business in this manner.

This is NOT the behavior of a legit corporation.

To build my credit after divorce I obtained a First Progress card. The $29 annual fee was the first hit. There is a charge for not using the card which will result in a surcharge when unpaid results in $40 late fee. In my early years I was caught by this and refused to pay. They wrote me off as bad credit of $340. That was the amount that small payment rose to in six weeks. Desperate to avoid further damage to my credit I called them. They said for $340 they would issue a new card. I explained their process would hurt rather than help with the credit bureaus. I needed the card reinstated. After taking my money over the phone they sent me a card. The shakedown was never reflected in one statement. I have only my bank's draft to prove it. To insure never being abused again by First Progress, I auto drafted $10 monthly over the next seven years. Last month I wrote a letter requesting reimbursement of overpayment. On the phone, they insisted they had been sending checks. I wrote to them requesting documentation of the history of payments and "cashed" reimbursement checks over the past seven years. I stated in bold & unlined, PLEASE DO NOT CLOSE MY ACCOUNT UNTIL THIS MATTER HAS BEEN RESOLVED". My response a month later was a letter informing me they closed the card. Customer service can't find my account because it was not in default and it was closed under good terms.

I want to share with others the following: The *** urges you to file a complaint if you think a bank has been unfair or misleading, discriminated against you in lending, or violated a federal consumer protection law or regulation.

I had to put one star because it wouldn't let me put 0..I paid for the expedited service upfront..still took them 2 weeks to get to the point where it was supposedly on the way. waited 3 weeks before I called..1 hr hold time..The lady said it would be out in a couple days. So i went to their website to look at the account and pay the $39 for the yearly fee so my available credit would be less than 10%. Couldn't because I had to have the card number..so 2 months later here we are my credit score drops 45pts because of "overdue payment"AND I STILL DONT HAVE A CARD! I called after 20 min wait time, the lady is to incompetent to transfer a call properly and hung up. Attempt 2. 15 min hold, 15 min in..Their solution.. They can take a payment on the phone, they I can send in a request for a good will adjustment to clear my credit report, I have to pay them $39 first, at this point I explain that I have already given them $29+$200 and have received the same level of service as the indian guys that claim they work for the SSA..why the *** would I give them card info over a phone, Clear the credit report up first, take the $39 out of my $200 deposit and close the fn account...After speaking with a manager, Post returned the card to them.?..but I received the pin slip..2 actually?. If they knew I don't have the number to set up the account, 30 days ago why no call, email, text..? Something. Only solution pay the $39 over the phone (they were benevolent enough to waive the $10 fee) to get the account up to date and fax a "Good Will Adjustment" request to clear the bad credit reporting. Takes 10 days to clear the check..I might come back and put another star "if" they follow through on the redaction..

In Early February, I applied for First Progress secure card. The Security deposit was $200 with a $200 credit limit. When the card arrived in the mail, I paid a partial deposit of the $200 of $20 with my*** debit card on First Progress website. When I tried to make a another $20 deposit on the website, I got an error message. I trued several attempts, still an error message.

I called the First Progress and was told I can either make the deposit on their website (which I couldn't) OR make the deposit on the phone (deposit could not be process with the customers service rep) OR mail a check (which I declined because of the digital age, I pay all my bills online) OR make a bill pay online with my bank (which exactly what I did)

When make a deposit of $180 with *** bank BILL PAY to First Progress, they applied the deposit as a payment. When I called First Progress about this, they were rude and customers service kept hanging up on me. Pleased be mindful that my credit card was never activate for me to use, spend or make purchases.

Fed up with being treated bad, I filed a dispute with *** bank on March 15. I even disputed First Progress with the credit bureau to have both the inquiry and they be removed from my credit report... because First Progress never honored their end of the agreement

As of March 21, at the time of this letter with Complaintsboard.com, the website of First Progress is undergoing system maintenance, and it has been like that since March 19.

My next step is to file a complaint with the *** Attorney General office and the U.S Federal Trade Commission of the State of *** because I because First Progress is a fraudulent company, and will add my U.S. Congress and U.S Senators in the State of *** in my email complaint to First Progress on March 23.

I going to keep it 100% real with you all. This company really is the bottom of the barrel.

Even if you make your payment early, on time, etc they will not even attempt to withdraw the money from your account. They will just update your account as insufficient funds returned check.

There is no way to pay by debit in order for the funds to come out immediately. You can pay by check over the phone or mail a check. Either way it will take over a week to post.

The last time I made a payment I made sure every morning I woke up I checked my bank account. I made absolutely positive my bank account stayed well above the payment that was to come out for First Progress. They still put a return check on my account despite it never showing up on my bank account.

I did everything right and I'm still getting all these crazy fees. I'm so confused and upset I don't know what to do.

I paid several accounts the same day. *** bill... I watched all the other accounts update with the payment within a couple of days. I watched the rest of my money sit in my bank account for over a week, even growing due to my direct deposit (I get paid weekly) and so THERE IS NO WAY POSSIBLE THIS CHECK WAS DECLINED DUE TO INSUFFICIENT FUNDS. It would be impossible.

I can show my bank statement at proof if I need to.

This company is a fraud. They are doing what they have to do in order to charge all kinds of fees. If they try to ruin my credit I will get a lawyer.

Today I received horrible customer service from Sharon *** and Becca ***

On previous occasions I've been hung up on even when speaking calmly and nicely. The customer service lady didn't like what I was saying I guess (I told her I didn't want to update my address at this time because I was in a rush and the process was moving slow. I was trying to tell her I would update the address online but she hung up on me.)

If I could give zero stars, I would. I am an 18 year old *** woman who has aspirations of going to college. I am in-between homes and hoping to get *** in my own name. I was still finding a way to make payments on my card. Eventually, the $29 monthly fee because a $106 monthly fee. This business claims to have no money and they prove it by inflating charges on your account. The minimum deposit is $200, whilst I put in $250. I have spoken to 5 agents over the past 7 hours (Ana, Anna (*** Angela (Supervisor), Elmer (Supervisor), and worst of all, Cathy who spewed words of racism towards me. Another worker, when she knew I was upset because of these inflated, "miscellaneous" charges, threatened me when I expressed my areas of concern to her. I believe her name was Anna, with a ***. Her threat was "Don't try me little girl, I'm not the one". Elmer was extremely hostile and told me to "shut up while he is talking". He also admitted that he let my bank take money meant for my credit card bill payment without my authorization. I know this is false because I still see the charge of $76 on my *** account from August. There was no reversal. Afterwards, he tells me to call the IRS and the Complaintsboard.com because they can't touch him or First Progress. Ana ***) hung up in my face when I asked her to transfer me to a supervisor. The company is involved in fraud, embezzlement, over inflated fees, hidden fees, and is out-right lying to customers and threatening them in the process to keep them quiet and in fear. They have dropped my credit score by over 250 points and refuse to do any due diligence. This company has no email to contact them, and their customer support line isn't even on the website, you have to look at private forums online to find their customer support number. They have double charged me for items when the card doesn't even swipe. It gets declined anywhere you go and it's embarrassing. I have to end up using my Chase Card. This company is EXTREMELY unprofessional, their employees and supervisors are rude and disrespectful. They have threatened me and belittled me as a customer and I personally feel like their fraudulent ways should seriously be looked into.

Horrible Review for First Progress Secured Master Card/Credit Card [protected]

I applied for this card on 5/4. I paid my $300 deposit the same day. They said it would take up to 10 business days to arrive, so I'm waiting and checking my mail eager to get this card so I can start building my credit. A month has gone by and I have received nothing. On June 9th I get a letter saying I need to send them a copy of my driver's license or passport and a most recent utility bill or bank statement. They said this is to verify the address on my application. Now what sense does that make?! They can verify the address through the payment I made which they took out on 5/7! Moreover, they sent the letter to the address that I gave so why not just have me call and say I received it?! But I should not have to do any of this because when I filled out the application it did not say anything about waiting a month to verify my address! Also, this is a prepaid secure credit card! They are not giving me anything/line of credit! The $300 I gave them is all my money, they are not giving me anything but the card, so that is even more reason why verifying my address is ridiculous! They do not have anything to lose if a person were to give them a fake address! Today I called to have the card cancelled and my money returned. I had a long wait to speak to a rep. The only good thing about this experience is that the lady who I spoke to was pleasant but was coming back with wrong account info like she said they will return $200 when it was $300! I could not get a confirmation number or any other proof of the call and cancellation. I am so angry right now! I spent hours doing the research and picking what I thought was the right card for me, waited over a month to still not have my card and have to deal with the stupid and pointless task of verify my address but they did not need to verify my address before they took my $300! To add to all this stress, I cannot even login to my account! They wasted so much of my time and energy! I do not recommend getting this card or anything having to do with this company because they seem like they are running some kind of scam! *** is trash in my book, and I will never deal with them again!

Sincerely, Very Angry Customer!

If you are reading this and are considering getting a First Progress card, PLEASE read my experience below before you do. I signed up for this card in early 2021 and immediately paid my $200 deposit. The card was sent out and got lost in the mail. I had no idea how to contact the company because I had no paperwork with the card or account number. Eventually someone called to let me know the card had finally been returned, so I contacted that agent for a replacement. At that point I had been charged a $49 fee for opening the account, plus a first month's payment (on an account that had not yet even been activated) and had an account balance of $78. By the time the replacement card finally arrived, I had been charge an additional $40 late fee, and when I activated the card I learned that the account had been closed. At this point I owed $118 for a card that had never been activated or used that I had only just received. I called and spoke with the agent who said I could pay the $118 to reopen the account and he would reverse the $40 late fee which would be applied as credit. I gave him my bank account info for the $118 payment. I thought it was strange that he asked me for my routing number and only the last 4 digits of my bank account number, but he assured me that was normal so I went with it. So today call again and am told the payment I made (which somehow got put in as $128, not $118) did not go through because the bank account information was incorrect and the account had been permanently closed. I was never notified by mail or phone there was a problem. I was also informed the final balance had been deducted from my $200 deposit, and that I should receive the remainder of my deposit in AROUND 10 WEEKS. I was also told that since the account was closed for non-payment, DESPITE THE ACCOUNT BEING PAID IN FULL FROM MY DEPOSIT, I was not allowed to open new account with a new deposit. So I would up paying $118 for a card I never even got to use due to issues with the company, AND I now have a bad report on my credit for an account closed due to non-payment I feel like this company is a complete scam that is set up to milk money from your deposit through excessive hidden fees while making it as hard as possible to get right with. Use at your own risk.

They don't even deserve the 1 ⭐. On October 15th.. they charged my bank account $200. The application stated that if I was approved, I would receive my card within 7-10 business days. On October 22nd, they opened an account on my *** credit report. On October 28th, they charged my account the $29 annual fee. I have never received a card from them! I contacted them a week ago.. and was told that ACTUALLY.. the. "7-10 business days" were in addition to another 3-5 processing days before being sent, and that it would arrive in the following few days. So today, three weeks later, I contacted the company again, trying to track down MY own money! After a few attempts of trying to get through to a live representative.. on their *** up phone system.. in which they offer every option deterrent from a human.. I was finally connected to a representative.. whom proceeded to argue with me about why I would not be refunded the $29 fee.. charged to my supposed account.. and listed on my credit report.. for a pre-paid credit card that I've never received! After waiting several more minutes to be connected to her superior, he agreed to refund the whole amount, and close the account today, but stated that pending the results of the "review" it could take ten weeks to get my money back! When I inquired about what "review" he was speaking of.. I was never given a clear answer. He said.. it could take 3-5 days.. depending on the review, but depending on the results of the review.. it could take ten weeks! So AGAIN.. I inquired about what exactly the review was for.. and AGAIN.. was given a nonsense answer that still was unclear. I felt it was important to report my experience to the Complaintsboard.com, in an effort to save another from the dis-honest hassle given from their side, as I am a single parent.. who works my butt off.. and have really struggled even more without being able to access my own funds. Opening the account was intended to help my situation.. but it has actually made it worse. Although the member of the management team agreed to refund the whole amount, I'd prefer to do business with a more reputable company. Now, I have to use even more of my extremely limited time.. to continue to follow up, and to stay in contact with ***, to make sure my credit score is not badly altered by the mishandling of first progress. If I don't have my full refund by the end of five business days, I will be contacting the ***, and filing a complaint with written documentation of all correspondence/records.

I am highly disappointed in this company as I was just trying to build my credit with a credit repair company I'm working with. I have applied for Two secures credit cards well over a month ago. I waited patiently and was even called my representative to let me know that my cards are being sent out. I advise that I had moved and they said that they change my addresses on both accounts. Two weeks later which is today I give them a call because I have no card sent to me yet. I get a representative on the line who states exactly what I said, that my application was approved well over a month ago but then told me not only was my address different on both accounts, But that I would have to wait an additional 10 days on top of Already waiting over a month and with their error now longer. I asked to speak to a supervisor which she connected me in before she knew I was on the line.Supervisors name John which laughed at the fact that they made a mistake which I heard via phone call and she stated that I would like to have my card rest delivered due to not only waiting over a month but them messing up with not changing my address and he laughed.Told her yeah he's over his 10 day mark when he supposed to receive his card,This will be a fun one he said. As she that she was connecting me in which I was already on the line, I proceeded to let them know that I was working with a credit repair company that I had a limited time to work with this company and I was waiting on them. I asked that they please send out the cards Via rush delivery overnight mail or something of that sort and he proceeded to ignore my concerns Anf made me feel as though they did not care about what I was going through and that they did not care to lose my business.As he stated over and over that I will receive the card after the card has been printedWhich takes an additional three days plus a possible 10 for shipping over and over and I stated to him that if the shoe was on the other foot you would be really upset as well and that if this is how the company is going to treat me as a customer just go ahead and cancel my cards.John which was the supervisor on the call gladly told me he would cancel my cards with no regards to my business and said that usually takes 70 days to get a refund,That he would go ahead and refund me on both accounts in 3 to 5 business days as if that made anything better.I really feel like trash and as though they don't care about their customers at all or at least he did not. I worked for a big Fortune 500 companies and also small mom and pop places that What show more sympathy and care of their customers than this place didn't me.If this is how first progress bank treats their customers I have no idea how they how they have been in business over 10 years.If anybody from corporate sees this and would like to reach me please do, I'm still shocked at this treatment.

I WOULD NOT RECOMMEND THIS CARD TO ANYONE. I had nothing but problems with this card since I first sent my application and direct deposit in to receive this card. I originally was just looking for a secured credit card in order to build my credit score. This secured credit card was untrustworthy and unreliable. This was my first card and it was a nightmare experience. When I first sent in my application I was asked to pay my $200 deposit upfront, which I did. When requesting the card you are asked if you want to pay an additional I believe $30 to speed up the shipping process and acceptance of application and it IS recommended. Although I chose not to , it's usually only supposed to take a month in order to receive the decision based on whether you are approved for the secured credit card. 2 months passed and I completely forgot about this card , and I got no response. I had to call them . After waiting on hold for 3+ hours I was told that I had to be asked a few security questions . These questions were very odd, very hard to remember although I managed . It seemed very unprofessional. I was approved for the card and it still took a month for me to receive my card in the mail. Once I received the card it was a hassle trying to get someone over the phone in a timely manner and when you look on the website it's more of a hassle to actually get the card paid off because they don't have a online card paying system. After doing research and reading reviews I found that I had to either add them as a bank payee or send in a money order and since this is hard to be done in a timely manner depending on your situation, it caused a lot of trouble for customers getting their bills paid on time which caused more harm than good on your overall credit score. Whether it was my bank payee system or their system they never received my payment on time even though it was scheduled to be sent early and the money was in my account. So months go by and it pops up on my credit report as a collections account. I contact them and I'm given a number to a collections agency and told to contact them for payment since they sent it over and cannot receive payments to an account they don't have. They told me they no longer had my account and I couldn't pay it to them I had to pay it to the collections agency. So I called the collections agency . I left voicemails. I never received a call back from this collection agency in order to PAY THEM. then my bank out of nowhere accidentally sent the payment over to them out of my account and when I called I was told that they actually can receive payments once the account is $100 or lower. And due to my payment it was made to be under $100 , SO NOW I can pay over the phone . I asked why wasn't I told this over a month ago when I tried to pay my account and it seems like they just made any excuse up to keep the payment. Although I had already tried to call and pay the account and ASKED If there was any way that I could pay on this account in ANY way and was redirected. The unprofessionalism of this company is uncanny. Use a different card company . I would not recommend this one. It's been nothing but emotional distress and they give you the "run-around" every time you call about your account .

So I went against my better judgement and tried First Progress when I had (and still have) other options. I even read some of the bad reviews so I would have an idea of what I was dealing with, but I thought otherwise and decided to give First Progress a try. So, I'm just saying this NOW for anyone who has read this far : SKIP THIS COMPANY! GO ELSEWHERE! I'm not even mean or bogus by saying this. It only takes me one time to have a bad experience and I'm done.
To talk about why, I have to mention the worst issues at hand, which is their practices and their customer service. So, I started my application with First Progress on line on August 20th. They asked for the basic info any bank should ask for like address, social security number, etc. Entered all that with no issue online and agreed to their terms. In the terms, it mentions that if you want to close out your account for some reason that it would take over two months for you to get your deposit back. That was the first warning sign. They need at least 200 dollars or more to start your account for your credit card as this is also the same money you will be using. After you pay it back in a timely fashion, you will get your money refunded to you, and that will take an amount of time also!
So I agree and pay the 200 dollars and there's no issue there, right? Only I'm questioning why would they not verify my information first before taking ANY money out. It seems backwards, but moving on. So I check my email and I get a link to their website where it shows that the 200 has been paid from me and they are waiting on my information to go further. THIS is where the problems began.
From that point on to today, which is September 9th it has been retarded trying to get this taken care of and over with. So I talked to multiple people in the period between 8/20 and 9/9 to find out if they received my information. I was told I could both MAIL AND FAX a copy of my driver's license and my utility bill and I did BOTH because the second person I talked to told me it take too long for it to get there by mail 3 days AFTER I HAD MAILED IT and insisted on me faxing it and the lady that I was on the phone with was even nice enough to show me to a website where I could fax my information for free. I thought," Ok. I can deal with that. Cool." So, more time passes including Labor Day and somebody there told me to check back on Labor Day and said that they would be open. Called on Labor Day and got forwarded from a live speaking person to an automated voice saying that they were closed!
So here we are today, September 9th, and I get on the phone AGAIN to see if my information that has been BOTH FAXED AND MAILED has reached them, just to get told that if there was not a REFERENCE NUMBER WITH MY INFORMATON GOT SHREDDED?!?!?
Thank goodness for search history. So,on Thursday at 11:54am, I talked to a lady at First Progress and she directed me a *** website to fax my information. She told me to put on the cover page "Attn: Credit Department " on the cover sheet along with First Progress and the address. NEVER was there a mention about a reference number. Also, when I first talked to their customer service and was given the mailing address, there was ALSO NO MENTION of a reference number. The killing part is I was on the computer typing this information in and saved it in my computer!
So, the guy tells me that my info probably got shredded because there was not a reference number due to there being so many applications. I told him I was never told anything about a reference number and that this is unprofessional. He replies with this smug remark about "well I can't speak for everyone else here but..." What? And he's grinning audibly on the other end and sounding very unconcerned and arrogant. He puts me on hold to fake like he went to get a supervisor and tells me," Unfortunately the supervisor is busy training other people so he can give you a call back." I was on my lunch break trying to find out whats going on and also let me add that I'm in the *** and they are running on eastern standard time, which means by the time my shift ended, they would be closed for today. Yeah, I see why Georgia has issues now.
As my shift ended, and my anger subsided somewhat, I started to think. " This is ultimately their loss. Not mine. " And it is. I have no issue with waiting for my 200 dollars to come back in the mail because by the time it arrives, I'll have what I need from somewhere else. For anyone who is reading this, DONT DO IT! Also, for any representative from First Progress that is reading this, keep your reply. That Complaintsboard.com rating I see on the side of the screen is a lie because it does not count as far as customer experience. You WILL hear from me. Count on it, recording or no recording. Nobody likes to be *** over and what you are reading is confirmation of how terrible your business is. Despite the bad views, I gave your business a chance. Now, I'll be forever looking at your business as lesson to never forget. I pity the person that answers the phone when I call. That 200 dollars? Guess where it can go. Go ahead. Take a wild guess and I'm not talking about a checking account. You phone line *** Your wait time *** What happened to speaking English clearly, did this just go out of style suddenly? Just throw the whole business away like yesterday. This place makes those little check cashing places in *** look like *** Like I said: throw this place away. Just trash like some of the people's speaking skills there.

I have made sure to pay my balance so it is not 30 days late. However, since Covid I have been without a job and it's been really hard to even get by. I stopped using my card so I wouldn't incur a balance. However, I had to use my card to make a payment and knew there was 11 dollars owed. I called in to make a payment and was told that weekend payments are not allowed. That is NOT fair because my my statement date is on the weekend. Now this company reports to the credit bureaus that I am late and dropped my score 60+ points. For $11. Not to mention I asked could the $10 phone fee be waived because I only have the amount to pay so my account won't be late and the rep basically told me I need to be responsible with card. That's very rude and unprofessional. Also, I called in almost a year ago and advised them that I no longer live in saint Louis, MO. I attached my lease agreement to show that I have been living in the state of GA since May. I can not receive statements

I got a secured credit card from First Progress (FP) for $500.00. On 12/22, I made a payment of 80.00 on my account. On 02/05, I paid my balance off 463.07. First Progress (FP) inform me that they had cancel my card Because I did return a verification notice. On 02/08, my bank made and error and paid another 463.07 to FP. When I call about my card I got a message saying that my card was canceled and I have a credit of 960.00 to be returned once I fax in my verification information. I faxed my information to FP on 02/11 along with a letter starting for FP to expedite my refund. FP is trying to deny receiving my letter to expedite my fund but they got the verification information. I have my verification of copies faxed. I also informed FP that they could return my funds to my bank account and I sent them my account # that they already have on file. I want FP to expedite my funds to me immediately. I have all records of my payments and copies of my faxed letter.

I wanted my credit limit raised. The rep I talked to on Feb 3rd 2021 asked me a few questions and said I was approved. She gave me instructions to send in a money order for the amount I wanted to increase my limit by. On Feb 5th I did that. On Feb 20th I traced my money order, First Progress received it and the money order had cleared their account on 2/18. I called first progress with this information. Nobody could locate my money order. One representative told me it had not been received. Another told me it had been received. Another told me it had been received but would be returned because FIRST Progress had provided me the wrong confirmation # to write on the money order. I said "You already cashed it, how can you return it" They asked me to send the money order tracer in, I faxed it. I confirmed with them they had received it. I called back yesterday, they told me my confirmation number was correct then told me it wasnt. My limit has not increased. I got scammed by a company

Complete lack of correspondence while being billed, even after four calls for customer service. I was accepted for a card, billed the annual fee, and had a security amount taken from my checking account--all without correspondence by mail, email, or by phone even after four times calling customer service. They claim my new card and all correspondence by mail is being returned each time even though they have my correct mailing address. Customer service claims they do not have any customer account number for me because it is only created with the card. Since I am now having a third card supposedly being sent, I should have an account id to login by now. While on the phone for a fourth time, I was told how to log into the online portal. the customer service rep did not even know the first progress.com web address and was wrong about the online portal sign-up process which requires a customer ID--which she claims I do not have even though I am billed for the services of the card. This is ridiculous.

Applied for a credit card and deposited $500 to an account that was never created. Issued a refund 15 weeks ago and am still waiting for funds. I applied for a credit card with First Progress and deposited $500 to create my account. However, additional documents were needed on my end to finish the account so I decided to cancel the account all together and issue a refund. I talked to a customer service rep from First Progress and they stated that since the account wasn't fully created, issuing a refund would be no problem and that I would receive the check in 10 weeks. That was back in September. I contacted them again after the 10 weeks and another customer service rep stated that she couldn't find any information linked to my name or SSC. She also stated that refunds usually end up back on the debit card that issued the $500 deposit. The customer service rep also asked for a call back number but never called me back. This issue is still not taken care of and I am out of $500 in a global pandemic.

Late payment dispute not resolved First progress has reported numerous late payments on my account that are incorrect and have cause my credit to suffer tremendously as this is the only negative trade line on my credit report. The balance that was owed has been paid in full. This account was closed September , however they continued to report late payments. At the time the account was closed, it was noted on my credit report that the balance was $0. Then out of the blue, I owed a $40 balance on a closed account. Not sure what that was from but in an attempt to keep my good credit rating, I paid the $40. Now, First Progress continues to report payment history on this same closed account with a zero balance. Also, I noticed that even though I was not late, First Progress reported different payment statuses across all three bureaus. One bureau would be reported on time, another would be 30 days late and another would be 60 days late all for the same month. How on earth is that possible? Isn't that inaccuracy a violation of the FCRA?

I have had the first progress credit card for over a year. their app is not user friendly and does NOT have the ability to pay this way. My bank does not allow me to pay directly from them. this leaves me with only 2 ways to pay. First is by phone with a 10 dollar processing fee, second in mailing a check. I have been mailing checks for over a year with no issue but the last 2 checks I sent "were never received" according to them. Thus charging me a late fee. I tried closing the account but because of these bogus late fees I am over by 2 dollars which I could either mail a check they will say they do not get or will have to pay 12 dollars just to pay their phone processing fee. .Otherwise it will be more late fees until it is paid but I cannot pay without overpaying by phone or hoping they actually get one of the checks I send. This is not good business and I don't see how they have your stamp of approval with such terrible ability to actually pay them. I need your help getting them to just waive the 2 dollars since its cause of them that I cannot pay to begin with.

They advertise that they will expedite the process of your card for $19.00. This is misleading as it makes it sound like you will receive your card faster. You do not receive it faster. They just approve your account within 3 days but do not send your card any faster. They send the card when they feel like it and do not provide tracking information. This is also a bit of a trap since if you do not pay the $19.00, it can take over 30 days to receive it. These are secured cards, so they're basically holding your money for that long. No one wants to wait that long and they know it, so they charge to "expedite". I did call to argue about having the fee reversed. They refused even after talking to management. They also refuse to provide a phone # to their corporate offices, only an address, with zero promise of resolution, and yet another very long wait. I also had to fight to speak with a "senior supervisor" who also offered no resolution other than closing my account and making me wait even longer for my security deposit to be returned. I opted to leave the account open since I did not want to wait 30 days for a refund of security deposit.

I applied for this card over 30 days ago and never received the card although the money was withdrawn from my account the next business day. I paid $300 for deposit and an additional $19.95 for expedited services of this secured credit card over 30 days ago but never received the card in the mail. I have tried numerous times to contact them through the website but to no avail because you need to have an account number. I also tried a number I found off of google to a CSR (since there is no number listed on the website) but it puts you on hold for a while then comes on and says all CSR are busy try back at a later time and disconnects the call automatically. I have tried several different times to call but still to no avail. Please help me due to covid 19 this is not the appropriate time to delay anything dealing with someones money. I either want the card delivered ASAP with the return refund of my expedited fee since this service never was completed or return refund my $319.95 in its entirety since I never received the card. I do have documentation ie my bank statement with exact date and time the deposit was withdrawn from my account. Please help me with getting in contact with someone please. Card or full refund ASAP.

Overpayments of balance reduces customer available credit by amount of overpayment. Website and phone always indicate payment is due even when paid. I paid $450 with balance of about $375 on a secured account with a $500 credit limit. The $75 overpayment was credited, but during the 10-day period the $450 was held before being credited to the account, my available balance dropped from $125 to $50. Phone conversations with a representative and supervisor failed to correct the error. They claimed the drop prevented my credit limit from exceeding $500. Because the $450 was pending approval (it had cleared my bank five days earlier but they said it wouldn't be credited until after a 10-day hold), my then-available credit had to be reduced to prevent my credit from exceeding $500 when the hold ended. I said that made no sense, as my payment wasn't due for another week, and that my available credit would be $125 if I hadn't yet made the payment. I said when the hold was released, they could then set my available credit at $500 even if I had a credit to the account. They ignored my logic and statement, repeating their improper accounting process. I would like $40 from them for reducing my available credit improperly, which is the same amount they would charge me for a late payment. The second issue is that their website and phone information on account status always indicates the next payment is due even when it has been paid. Because of this I can erroneously believe that I made payment when I hadn't, incurring late fees and damaging my credit score. Account information should be accurate. They refused to change this. I would like them to promptly correct this error.

Company does not abide by their own rules. Customer service is next to none. First progress States customer is not held liable for any fees as long as the customer does not use the credit card or makes a payment. I was charged for annually fee then a late fee I went to cancel my card because not using it makes me not liable for fees which is stated on the paperwork when received with credit card. I have called this company 27 times been told the complete opposite of what the paperwork States, one supervisor tells me something that is inaccurate, (telling me I had to wait two months to receive deposit back) another supervisor tells me in order to have fees removed I must make payment. This is incorrect I told them this and they still would not do nothing. Finally I talked to an employee that told me that I needed to send a Goodwill adjustment letter in so I did I called them a few days later they said they didn't receive a Goodwill adjustment letter but a request to receive my deposit back. They changed what the paperwork was about in their system what the letter I sent was for. so I had to resend the Goodwill adjustment letter because I was promised the high balance and one late payment would be removed.(Which were fees) After receiving my Goodwill adjustment letter and telling me that they would fix the problem. (Was told this by another supervisor named Josh) first progress reported to the bureau's theat I have late payment now on my credit report. I called them back supervisor Josh would not take my call pushed me off to another supervisor that told me they would do nothing about it. This company is very unprofessional their employees are not trained properly and they do not abide by their own contract very unprofessional.

I tried to work with operator to correct billing error. I paid my bill early and more than the minimum due. Operator was no help and made it worse. My $40 min payment was due 12/9. I paid $168.73 on 11/30. My online account showed my payments recorded on 11/30, but still showed I had $40 minimum due. I called and the operator insisted I was late and that my $168.73 was late a late payment for previous month. My previous month statement had $0.00 due and $0.00 balance. She still insisted that I'm looking at late fees. I tried to explain to her that I cannot be late with a $0.00 minimum payment, BUT paying $168.73 on 11/30 means that I paid more than the minimum due AND I paid it on time. She insisted that I was not paying attention and began reading my charges from November. I told her that my charges from November were billed and that is why I had a minimum due on Dec. 9th. To which, she insisted was why my $168.73 did not cover the $40 due. When I asked for a supervisor, she put me on hold. Every few minutes, she would come back on the line and say nothing until I called out "helloooo". Then she would say that she was still waiting. After about the fourth time, I told her that it seemed she was keeping me on hold hoping I'd get frustrated and hang up. She insisted she was not and put me on hold again; finally a supervisor, JJ, came on. JJ explained that he saw my payment and that it was early. I explained that normally, my account shows paid once they post the payment, but this time it still showed an amount due and that concerned me. A late payment could affect my credit. He insisted that it would be updated and NOT show a late payment by the end of my cycle 12/12. I told him I would confirm on Monday, but I want record in the event this is reported incorrectly. He assured me I could check on Monday and no late would show. The exchange with JJ took about 3 minutes. According to my phone, the whole exchange took 52 minutes.

I've been stuck out of town with my card locked the last two weeks. Every time I call and speak to someone about what I can verify they keep delaying Ever since opening this account I have had nothing but issues with the customer service and had no help whatsoever from their team with my cards issues. I have heard from multiple people that work in their customer service department that there's no reason my card should be locked, but then there are other people who I have spoke with that request a necessary documentation and I feel unsafe about the way they asked me to send it to them. They keep requesting more and more verification documents even though I have complied with them numerous times and seem to keep having the same issues for no reason. They said they could close my account for me and send me my money back but they wouldn't do it for half a year. I have always made my payments on time, the reason I got this card was because upon signing up they said in the contract everything it was able to be used for, but every time I use it for one of those purposes they lock it and I don't feel like their customer service team is trained or properly knows how to help a customer out. It may be that they just don't care because I've been hung up on several times when expressing my frustration, but there seems to be no end to my identity verification, and I don't believe they take notes on the account for each car like they should in customer service. I feel that this company is being shady to their customers and hiding information. There's no reason they need to verify my bank account information from a card I used to put a deposit on the account. Now after sending them pictures of that fact they want me to send a physical copy in the mail and wait for me to get that to them before I can unlock it so now it's been two weeks I'm stuck out of town because they won't unlock my card even though I've done everything I can to verify my very unprofessional

I have had this card for 3 years to rebuild my credit. The day after Thanksgiving last year I sent a check out to first progress because checks were the only way to pay without a ten dollar charge and I had no issues paying by check up until this point. I looked at my account around the time I was supposed to make another payment and realized they hadn't processed the last payment so I call them and they advise me they never received any payment from me so idk where my check went but they are saying they never received it. So I payed a payment in full to pay off the remaining balance they put a late payment on my account so since then I have made payments strictly by phone every month normally two payments a month. I called them to ask them to forgive my late payment and they advise I need to write a letter and fax it to a number they provided me like two weeks after they send me a letter saying since it was not a bank error they will not forgive the late payment. So I called today to make a complaint and pay my card off and close this account. The "supervisor" said that I had sent the Information to the wrong place even though they provided me with where to send the info this company says they are about helping rebuild credit and they have hurt my credit by not having a way to pay them there is no type of app to pay on like all my other credit cards you can do electronic bill pay with gets declined or you can mail a check and run the risk of something happening to it like me or they charge a ten dollar fee and pay by phone I think this company should have to make available a way to pay your card this doesn't build credit it hurts credit and for what because one payment check got lost in the mail I want this company hel accountable for their predatory ways this is unfair to the people who fall in their scam who just want to better their life and their credit score people should at least be made aware that you can't make payments on an app like all other credit cards

I want a full refund the same way I applied the deposit which is my debit card. They owe me 192.97 and that's included the $49 member fee. I was approved Nov. 4 for the secured credit. I applied the deposit on Nov. 16. They told me the card will be automatically activated once the money is loaded. That was a lie. I tried multiple times to use the card and it declined. So I called and asked what was going on, they replied that I had to wait one business day and that it is activated. But I told them when I called the number on the back of the card to set up the card it said the card wasn't activated and that they can not activate the card. They reply saying the same thing that it is activated on their end and to give it another day. Two days pass and on that third day which is further pass what they advertised and told me the money would be available to spend. On the Nov. 18 I tried the card again that morning at ***'s and the card was accepted for $7.03. After, ***'s I went and tried to get gas for my car the next day my card declined again. So I called and told them and that's when they say my account was on hold for verification. I told them that is ridiculous and that I don't want the run-around anymore and that I just want to close the account. Then they say sure and continue the process and tells me I'm only getting $143.97 back. I said that is a lie that I only spent of my own money $7.03. They told me in addition the $49 member can't be reimbursed because I used the card. I was really upset I told them I did not want the account no more because the swindled me out of my money and tell me I have to wait 10 weeks before they issue the check. I was livid. First I didn't know they keep the fee if we used the card but it wasn't my fault the card went through and then they say it wasn't suppose to be activated because they needed verification of identity. And that I would have to wait even longer to use the card because I have to send it in and wait for them to get it and then process it. They had so many requirements after I loaded the money, allowed me one use and cut the card off and then tell me I can't get the member fee back because I used the card. They tricked me out of my money. Had I known that I would have never used the card and just closed the account. I need my money back. I did this because I'm trying to support my three kids 3 and under while establishing some credit to be able to provide more and better things form me and my kids. Times are hard and I can't afford no one to play around with what I need to take care of my kids. I would like and need my full remaining amount of $192.73 of my money refunded back to my debit card that I used to apply the $200 deposit. I truly appreciate you all for this website.

Incomplete application unable to cancel with the company Over the last weekend of November I made an attempt to see if I could qualify for one of their secured credit cards. They claim that your credit will not be hit with a hard hit. What they fail to tell you is that there is an additional application fee of $40-$50 just to see if you qualify prior to being able to submit the app! They don't say it's refundable if you don't qualify! I went through the entire online app process only to get to the end to be told "ok now pay us to process your app"! No where on their web site as they lied about is this disclosed. Their site also shows no phone number to call if you have questions or issues. I had to do a massive search just to find a number to call. I declined to finalize the app because I was not giving them my credit card info, refused to pay a fee to get an approval with them, felt like it was a total bait & switch for which they claim it's not just like they "claim" it's on their web site. I'd like them to tell me where it is & did ask the rep to tell me where it was. The rep was unable to do that. I received an email from some person calling herself Pam J a Customer Advocate that also has no phone number to call. I responded telling her to cancel the app & was very explicit as to why. No response, a day or so later I got yet another generic email from the same fake person! That's when I decided to try to find a number to call. The 2 reps who answered seemed confused by my call. They had no idea how to handle it. I told both I wanted an app canceled that I'd never completed & wanted the emails to stop. The 2nd rep claimed she would get my concerns to the right dept. & that they had no way to send me a confirmation that the app was canceled. I don't buy that but definitely call this the sloppiest customer service I've ever seen. Why in the world would I want to subject myself to this?! Wow! Total incompetence. The worst is not having a phone number to call with questions/concerns. Who does that? No legitimate company I'm aware of. Yet this company is touted by all of the credit bureaus as a top notch place to get a secured card from. I couldn't disagree more. The credit bureaus themselves are completely inept, why should anyone trust their opinion? They can't even keep info on your reports accurate nor dispute them problems properly. I warned the last rep I spoke to that if I got any more communication from them other than a confirmation that this was canceled I would file complaints with the Complaintsboard.com, CFPB, FTC & the Comptroller of the Currency. Today they sent me a text message from a *** number for which I never gave them permission to text me now or ever, that says "Your First Progress app is almost complete! Return to make your security deposit and receive your card. ***". This company seems fraudulent. If they're not then they sure seem very anxious to get my money. I'm not comfortable doing business with companies that are the poorly managed & their only incentive is to get people's money but provide the worst customer service ever. Like I said any company that doesn't put a phone number on their web site nor properly disclose all fees & charges upfront definitely has something to hide & integrity is not part of their game. Fully explains the number of complaints filed & the lack of a good rating. If they were so great per the credit bureaus then why is the rating so low, in addition the number of complaints filed including the one I'm filing with you? Why?

Hi-

I made my payment before the due date. Unfortunately, my checking account was compromised due to someone issuing a phony and not legitimate cashier’s check. This large cashier’s check was deposited into my account and then it was returned for fraud. I spoke with fraud department at my bank and they are investigating. So, with this happening it created problems with my payment I made to First Progress. I tried to alert First Progress via phone and with no success. I immediately noticed on my credit bureau site. I did not intentionally bounce a credit card payment. I got the payment in good faith. I have the proof. Unfortunately, the large cashier’s check I thought was legitimate wasn’t. I have proof this happened with my bank. I am disappointed in the way First Progress does not communicate with their customer’s. This company needs to be reviewed as they do not have a reputable reputation. My husband is an auditor for the IRS and large corporations. I think perhaps First Progress needs to be looked into.

This is a mistake I did not have control over what happened. I did not intentionally make a payment bounce. Obviously, First Progress failed to realize the payment was made on time. They have done numerous unethical actions to others. My balance is paid in full. I am requesting First Progress removed this 30 day late payment.