ComplaintsforFirst Progress Card

• Initial Complaint

  10/24/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I opened up a credit card account in hopes of building my credit , from the beginning I had issues I couldn't just simply make a payment its NOT DESIGNED that way and it take 10 days for the payment to be posted to your account only leaving a total of 20 days to actually use the card , �' initially I had issues with this however the rep assured me This was normal, needless to say I have had several returned checks due to the company not taking the funds out which has resorted to over 160 dollars on over draft fees. I only had a 200 spending limit now my credit score has dropped.. I have *********** and a few other cards who are truly amazing however 1st progress has started to ruin my life and my credit with no apologies are ways of fixing it ,

  Business response

  12/02/2022

  Business Response /* (1000, 5, 2022/11/02) */ First Progress has reviewed your complaint and has provided a response in a letter sent today. Please allow 7-10 days to receive the letter. Thank you, First Progress

• Initial Complaint

  10/05/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Contacted Debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me therefore you are reporting misleading false account. FSTPROGRESS Account Number: ************ Delete this unverified and misleading account.

  Business response

  10/27/2022

  Business Response /* (1000, 5, 2022/10/14) */ Dear Mr. ****, First Progress has investigated your complaint and has provided a response to you in a letter mailed today. Please allow 7-10 days to receive this. Thank you.

• Initial Complaint

  09/16/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  On September *** 2022 I applied for a secured First Progress credit card and submitted my $300 deposit. The website stated 7 to 10 business days for the process. I checked regularly on the website to keep track of the progress of my account. On September *** 2022 my account was created successfully. The website also stated " account opened on September *** 2022, statement / Bureau reporting the **** of each month, payment due date the *** of each month". On September **** 2022 I contacted customer service regarding the arrival of my card. Customer service rep informed me there was no information on me in their system and that I had no account. How is that even possible when I clearly see on the website the opposite? To add to that, First Progress has already reported to the credit Bureaus that I have an open account and a balance of $39 which is the annual fee. How is this possible when I haven't even received my card or account number? If I had I would have paid that $39 and have a zero balance to report. This gives me much hesitation doing business with this company.

  Business response

  10/06/2022

  Business Response /* (1000, 8, 2022/09/27) */ Mr. *******, Your complaint has been reviewed and a written response has been mailed to you. Please allow 7-10 days to receive that letter. First Progress

• Initial Complaint

  09/07/2022

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  I made a payment with First Progress Card and they cancelled it over the phone but couldnt provide me with any proof in terms of an email. All they could provide me was a confirmation number which was identical to that of the confirmation number for the original payment. I asked to have proof of it sent to me and they couldn't thru email, they said it should show up in my dashboard online and it was not showing up online as being cancelled. They have no way to provide proof of it other than providing me with a confirmation number that is the exact same as the confirmation number as when I paid it originally. I was put on wait for extended periods of time making the call last over an hour and 15 minutes.

  Business response

  09/28/2022

  Business Response /* (1000, 5, 2022/09/13) */ Dear**************** Our investigation has been completed and a letter with the resolution has been sent to you. Please allow 10 business days to receive this letter. Sincerely, First Progress

• Initial Complaint

  09/02/2022

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  This is a complaint against First Progress Credit Card and its service providers. I opened the card and was dissatisfied with it, so tried to close it. There is absolutely NO mechanism I can find online, nor phone numbers I can use to contact the company to close my account. They have reported me to the credit bureaus and all I want to do is pay the balance, get my secured amount refunded and have the negative mark removed from my credit report.

  Business response

  09/28/2022

  Business Response /* (1000, 5, 2022/09/13) */ Dear ***** *****, Our investigation has been completed and a letter with the resolution has been sent to you. Please allow 10 business days to receive this letter. Sincerely, First Progress

• Initial Complaint

  08/15/2022

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  The date of my transaction with First Progress was ********* I was of course trying to get my credit back on track and decided to do so using a secured credit card. I looked at the cards that I was allowed to acess due to my current credit score. First Progress was the company I now regrettably chose. One of the main reasons I chose this company was because I noticed they're office was in *********************** I live in ********* and thought jokingly, "well if thhey try and steal my money then I can just drive a hour or two to ************ and press charges or sue them through their local courts." I waited the week the company said it would take according to the information through the reciept and reference email they emailed me. I decided to check my application status online at their site that they heavily advertise they host. I went to their site, clicked on the "Check my application status" icon, entered my first and last name, as well as the last four digits of my social security number into the portal. I immediately recieved a red highlighted message stating that "NO APPLICATION WAS FOUND WITH INFORMATION THAT WAS ENTERED". Of course I found that to be really odd considering I have two emails from First Progress that they sent stating that they recieved my deposit(of course) and one stating the reference number: ************. I panicked so I clickedthe Customer Center Icon on their site. I've never logged in so I clicked "Create New Account" option which took me to a screen that wanted me to enter my account nummber that started with ****. I don't have account there. I called customer service number I found on their ******** account starting at 11 am and continued to call over the next 6 hours(within that 7 hour time frame I took 1 hour break). I never got through to anyone. I started to feel like this is a scam. I don't know what else to do. Please help

  Business response

  09/09/2022

  Business Response /* (1000, 5, 2022/08/25) */ ************************************************************************************************************************************************************************* We are in receipt of your correspondence on behalf of ******* ******. We remain committed to maintaining a high level of customer satisfaction and appreciate the opportunity to assist. Our records indicate that Mr. ****** received and activated his First Progress Card on August**** 2022, and he has since used the card successfully for purchases. If there are any additional questions or issues, Mr. ****** may of course contact our Customer Service Department at ************** 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

• Initial Complaint

  07/06/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  For a few months now I have tried to make payments to first progress through the **** payment service, every month a day after the payment was due I was charged a 41 dollar late fee when it is entirely out of my hands how long it takes the payment service or them to update the account.. I am so sick of credit card companies that take advantage over hard working individuals.. I work my but off day in and day out to make not enough as it is with the price of things now adays and then we also have company's that pray on people to make them selfs rich, I want my late fees back and don't want this to happen any more I've been with this company for over a year now and it seems that things are getting more and more shady and with the reviews I'm reading I guess I'm not wrong.. again want the late fees back for the last 2 months..

  Business response

  08/03/2022

  Business Response /* (1000, 8, 2022/07/18) */ ************************************************************************************************************************************************************************ We are in receipt of your correspondence on behalf of ****** ********. We remain committed to maintaining a high level of customer satisfaction and appreciate the opportunity to assist. First Progress has no affiliation with the **** payment service. First Progress always accepts, at no charge, all payments mailed to the payment address listed on every payment coupon: PO Box 84019 Columbus, GA 31908. We also accept online electronic payments initiated by customers at their financial institutions, and have added the ability for our customers to initiate payments within our First Progress Online Customer Center, both at no charge. Our phone agents only initiate payments at customer request and after disclosure of the $10 fee. In response to this complaint, we have waived a $41 late fee as a courtesy. Additionally, while the credit reporting is accurate, Mr. ******** qualifies for an adjustment to his credit report. A manual update has been submitted to all three credit bureaus to request the late marks be removed from the account. If there are any additional questions, Mr. ******** may of course contact our Customer Service Department at*************** 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

• Initial Complaint

  07/02/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  On *********** I received a statement from First Progress with a due date of ********** and a balance of $110.00. I immediately logged on to the website as I had not made any purchases with the card in several months and originally had a $0.00 balance. I realized that I was charged the membership annual fee of $39.00 in January 2022. I looked through my email and archived mail and did not find any statement or notice advising me that I had incurred a fee. Had I known that I was charged the annual fee it would have been paid on time. I was not using the credit card so I did not expect to have a balance and if any fees would be charged I would have expected a statement or notification. Now my credit has taken a severe hit due to the late payment trademarks and the closing of my credit card. I have always made my payments on time with this card. I never was once notified by mail, email or phone until it was too late to rectify this issue. It is quite disappointing that First Progress would use unfair and frankly abusive practices. I am requesting that First Progress act in good faith and remove the negative trademarks from my credit. I would also like to continue doing business with First Progress, however, I am not sure how that would be possible seeing as my account has been closed and deposit credited to the account.

  Business response

  08/03/2022

  Business Response /* (1000, 5, 2022/07/14) */ ************************************************************************************************************************************************************************* We are in receipt of your correspondence on behalf of ******** *******. We remain committed to maintaining a high level of customer satisfaction and appreciate the opportunity to assist. Mr. *******'s account was closed due to nonpayment of the annual fee on June *** 2022; however, since the balance was only the annual fee and subsequent late fees, we have waived the three late fees as a courtesy and we have reopened the account. While the credit reporting is accurate, Mr. ******* qualifies for an adjustment to his credit report. A manual update has been submitted to all three credit bureaus to request the late marks be removed from the account. If there are any additional questions, Mr. ******* may of course 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 Consumer Response /* (3000, 7, 2022/07/22) */ (The consumer indicated he/she DID NOT accept the response from the business.) Thank you for your courtesy on removing the late trademarks and reopening my account. I requested an updated credit bureau report and most of the late trademarks have been removed except the one for June 2022 which shows I am 90 days late. Pleae correct this and that will resolve my complaint. Business Response /* (4000, 9, 2022/07/25) */ A manual update has been submitted to all three credit bureaus to request the late marks be removed from the account.

• Initial Complaint

  06/24/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  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.

  Business response

  08/15/2022

  Business Response /* (*000, 5, 2022/07/07) */ *********************************************************************************************************************************************************************** We are in receipt of your correspondence on behalf of ****** ********. We remain committed to maintaining a high level of customer satisfaction and appreciate the opportunity to assist. Mr. ******** called our Customer Service Department on June *** 2022 to close his account, at which point we applied the $200 deposit to the outstanding balance of $202, leaving a balance owed of $2. Since we did not receive payment for this balance by the due date of July *, 2022, we charged a $** late fee on July *, 2022, bringing the balance owed to $*3. As a courtesy, we have waived the $*3 balance. If there are any additional questions or issues, Mr. ******** may of course contact our Customer Service Department at ************** 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

• Initial Complaint

  06/24/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Resolved

  More info

  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

  Business response

  07/15/2022

  Business Response /* (1000, 5, 2022/07/07) */ ****************************************************************************************************************************************************************** We are in receipt of your correspondence on behalf of **** ****. We remain committed to maintaining a high level of customer satisfaction and appreciate the opportunity to assist. While the credit reporting is accurate, Mr. **** qualifies for an adjustment to his credit report. A manual update has been submitted to all three credit bureaus to request the late marks be removed from the account. If there are any additional questions or issues, Mr. **** may of course contact our Customer Service Department at (************* 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 Consumer Response /* (2000, 7, 2022/07/11) */ (The consumer indicated he/she ACCEPTED the response from the business.)

*Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business. ↩