Complaints

The complaint text that is displayed might not represent all complaints filed with BBB. 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.

• Initial Complaint

  Date:03/26/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  First Digital is reporting a charged off account on my credit reports. I have never had an account with First Digital. During the time this account was supposedly opened, I experienced multiple cases of fraudulent accounts being opened due to a data breach with Capital One.

  Business Response

  Date: 04/04/2025

  Please see the response letter attached.Our investigation located the application for the First Digital Mastercard credit card account was received via the website on October 2, 2023, under the name  . The application was approved, and a credit card was mailed to the address listed. The Program/Processing Fee of $95.00 was paid via a debit card under your name on October 12, 2023. The account had purchase activity, and payments were received under your name. Monthly billing statements were provided from October of 2023 through May of 2024. The account balance of $481.86 charged off on May 31, 2024, due to delinquency and on or around June 10, 2024, the account was sold to Resurgent Acquisitions, LLC.  

• Initial Complaint

  Date:03/25/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Paid program fees for a first Digital back in December 2024. 3 months later, the card is not activated,. The message is the same message since December, saying " We see you have paid your program fees, your card will be activated within 60 minutes". Clearly, this is fraud, since my First Digital Mastercard has not been activated 3 months later, when I call the customer service number n er, it still talks of me to wait for 60 minutes.

  Business Response

  Date: 04/04/2025

  Please see the letter attached.Our investigation located the application for the First Digital Mastercard account received via the website on
  October 17, 2025, in your name. The application was approved, and a credit card was mailed October 17, 2024, to
  the address listed. The Program/Processing Fee of $95.00 was scheduled to be paid in three parts via the
  application website using a debit card ending in your name. The first payment of $31.00 was scheduled for
  October 17, 2024, the second payment of $31.00 was scheduled for November 16, 2024, and the final payment of
  $33.00 was scheduled for December 16, 2024. The payment on November 16, 2024, failed authorization and the
  other two payments were refunded to your debit card ending 8125 on December

• Initial Complaint

  Date:11/19/2024

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I deposited $400 to cards then used them as told to build credit. 1 $36.93 and 2 $26.50. Total of $63.43. I should have a credit of $163.07 and on the 2nd card a credit of $173.50. So they're charging me my $200 deposit plus $36.93 and on the 2nd card $200 plus $26.50.

  Business Response

  Date: 11/20/2024

  Hello,

  Using the information supplied in the complaint, First Digital is unable to locate any account for these individuals.

  Thank you,

• Initial Complaint

  Date:10/05/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  i have a first digital Mastercard **************** in good standing first digital has the policy if you make more than 1 payment in a billing cycle, they require the card holder to submit a whole bank statement that shows they are indeed the one making the payment. i have made several payments using my ******* **** debit card ending in ****. When you call their ************** support line the CSR tells you to fax ************ the paperwork rather than send the paperwork through their email *******************************. when you call back to verify if they received the dax they say "NO" but if you send it to their email, you get a confirmation number (************) which they find instantly then they tell you that they want your whole bank statement which they can see all transactions. i made my payments through their app which they have received my payment, while they look for your paperwork, they restrict use of your card and collect interest. my question to the csr 1) way did they accept my payment 2) why do you need to see my whole bank statement 3) why is it a concern who made the payment as long as the payment was made 4) it feels like fraud that they accepted my payment then denied me use of my card 5) the department that reviews the paperwork only works Monday through Friday 9 to 5 6) when you ask for a copy of their policy they tell you they cant send it.

  Business Response

  Date: 10/15/2024

  We have completed our investigation and our response is explained in the letter attached.

• Initial Complaint

  Date:09/25/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I recently discovered this company listed on my credit reports with Experian, transunion, and equifax..I file a police report, theft affidavit, and FTC identity theft report in which all have been forwarded to this company..As I have stated to this company and in my theft documents I DID NOT OPEN THIS ACCOUNT! If this account first Digital synovus is not remove from my file promptly, I will be force to take legal recourse for violation of the Fair Credit Reporting Act, Fair debt collection practices act, negligent enablement of identity fraud, and defamation..I have tried to resolve this matter amicably..So far nothing has been done..I have supplied all necessary documents to prove my case..This account first Digital synovus needs to be remove with all haste from my credit reports!!y

  Business Response

  Date: 10/04/2024

  Please see the attached letter.

  ur investigation located an application that was submitted via the First Digital website on May 2, 2020, under 
  your name. The application was pended due to a Victim Statement on the credit bureaus, and a letter was emailed 
  to the address listed* *******************, requesting additional information to continue the application 
  process. A copy of your signed social security card, driver’s license, and a recent bank statement were received 
  and reviewed on May 6, 2020, and the application was approved. A credit card was mailed to your address.The 
  Program/Processing Fee of $95.00 was paid on May 7, 2020, via a debit card under your name. The account was 
  used for purchases and payments were received in your name. 

  Customer Answer

  Date: 10/04/2024

  
  Complaint: ********
  
  I am rejecting this response because:
  
  Sincerely,
  ****** ****** I have provided legal documents to this company, As i have contacted them via phone in the past..Someone in my family open this account using my info..I do not live at the address they have on file..It is my family home..The police report and theft report i have provided dictates what i explain to First Digital via phone..If this matter persist,  I will seek legal recourse for violation of the Fair credit reporting act, violation of the Fair debt collection practices act,  defamation, and negligent enablement of identity fraud..I have tried to resolve this matter amicably..I ask for documentation with my signature etc..I never recieve any such proof from this company..I never done business with this company and if this account is not removed from equifax transunion and Experian report with all haste..I will be seeking justice for the aforementioned!!

  Business Response

  Date: 10/21/2024

  Please see the additional documents that are needed in order for First Digital to reopen your claim of identity theft.

  Specific information and an explanation of the claim, including any supporting documentation to substantiate the basis of the claim, such as if anyone had access to your information, and how payments were made in your name.

  It is unclear how someone had access to your 1040 form provided to confirm your income when the account was opened and how payments were received from a bank account in your name.  

   

  Customer Answer

  Date: 10/23/2024

  
  Complaint: ********
  
  I am rejecting this response because:
  
  Sincerely,
  
  ****** ******* I'm not going back and forth with this company FIRST DIGITAL I have filed a police report,  ftc theft report and sent to this company..People have become very sophisticated and intelligent when it comes to identity rhefr..Someone gain access to my information and open this account..I have never heard of first digital in my life until now...I will file charges in small claims court for violation of the Fair debt collection Act the Fair credit reporting Act, defamation  and Negligent Enablement of identity fraud..I did not open this account and i have kept a careful record of my communication with the company for legal purposes only.

• Initial Complaint

  Date:09/05/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I was placed on a payment plan to bring my account current in 3 months. I completed the plan, which made my account current. They were still charging me late fees after this, when I challenged them about it, they gave me every excuse in the book why my account was not current. I made every payment on time and rep that I spoke with seen all the payments. He escalated my concerns to his manager, that took 2 months to call me back about my concerns. They still stuck to their story that my account was not current, so I requested my account be closed, because I know longer wanted to use their card. Now that my account is closed, I am being charged $6.25 monthly for participation fees, interest fees and over the limit fees. I have been making my monthly payment, but all these fees they keep tacking on I will never pay this bill off. They are taking advantage and getting as much money as they can from me. If I could afford to pay the bill off in full I would but I can't at the moment.

  Business Response

  Date: 09/12/2024

  Please see the attached response letter.

  Customer Answer

  Date: 09/12/2024

  
  Complaint: ********
  
  I am rejecting this response because: I am not understanding why I am being charged a monthly participation fee of $6.25 monthly. I closed the account, there is no participation-I can't use the card. I am really frustrated with this company. My credit score is being damaged, because they say one thing and turn around do another. Please have someone contact me with a settlement offer, so I can get rid of this. I can't keep allowing you all to continue to add fees to this account and breaking my score down even more.
  
  Sincerely,
  
  ******* ********

  Business Response

  Date: 09/22/2024

  The Monthly Servicing Fee of $6.25 is explained in the Cardholder Agreement.  This fee will bill to the account until the account is closed and has a balance of less than $20.00.  Please contact Customer Service at a time that is convenient for you.  **************

• Initial Complaint

  Date:07/27/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  The date it happened was on July 26, 2024. I received a letter in the mail on July 15, 2024 saying that I was preapproved for card ****** I did the application gave me $500 limit had to pay a $95 application fee. I scheduled the payments but on the date that the first payment was supposed to be took. I called in and paid the full amount which was July 26, 2024. The transaction flagged is fraud with my bank so I held her on the line and called my bank to look to the charge went through, I waited and tried to activate the card and it said wait 60 minutes. My account was set up *** ****. I called back today to activate the card ** **** and he told me he sorry but the letter has been slumped out and he couldn’t tell me no more information. I told him I want my money back. It was a scam and he hung up the phone.

  Business Response

  Date: 08/06/2024

  Please see the attached letter.

  Dear ******* ********
  This letter is in response to the Better Business Bureau complaint received regarding a First Digital Mastercard account.
  
  First Digital located the application that was submitted via the First Digital website on July 13, 2024, under your name.
  
  Our investigation found that the application was approved, and a credit card was mailed to the address listed. Application
  records show that attempts were made to pay the Program/Processing Fee of $95.00 via a debit card in your name on July 26,
  2024. The payments failed authorization three times which resulted in the application being closed and a letter was sent to you.
  A fourth attempt was made after the application was closed, which was successful.
  
  You contacted Customer Service later that day to activate the card account and you were informed the card could not be
  activated, and a letter had been sent. You requested a refund of the Program/Processing Fee which was submitted. The
  Program/Processing Fee was refunded back the debit card ending **** on July 28, 2024.
  
  On July 29, 2024, you contacted Customer Service to inquire about the application. You were informed of the letter sent and the
  refund processed.
  
  Currently we are unable to reopen your application. You can reapply for a new First Digital Mastercard account.
  
  For additional questions, please contact First Digital Customer Service at ###-###-#### Monday through Saturday 6AM to 10PM
  Central Time.
  
  Sincerely,
  
  First Digital

• Initial Complaint

  Date:05/09/2024

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have contacted this company numerous times over the last year and still no resolution. I closed this account and since then have been getting a bill for annual fees and late fees. When I call and speak with a supervisor, they assure me all fees and amount due was waived and the account balance is zero and closed. This has continued for over a year now. I speak with someone, they say the charges shouldn't have occurred and that the amount due is waived. Then, I get a new bill with the old charges and a past due amount with fee. They keep trying to get me to pay something before cancelling my account. Feels like a scam almost. Saturday 12/23/23 12;54pm (EST)-Spoke with ** and was told account would reflect 0 due after call if I pay the late fee but since late fee was charged for a bill a shouldn't have received, the fee would be waived and the account reflects $0 owed. Monday 4/3/23 1:09pm (EST)-Supervisor Ihsayd said he would fix and account was closed Thursday 2/1/24 2:40pm m(EST) I spoke with Pedro for a $14 fee that was waived which should have removed the $29.08 due and been the last of it. Tuesday 2/20/24 10:39am (EST)-I spoke with supervisor ****** and was told the whole balance of $35.33 will be credited back bringing the account to zero and the account is closed. As of today 5/9/24, I have been sent a new bill for $129.28 I don't think it's fair for them to potentially damage my credit report (not the best but working on it) and I can only imagine how many people they scam into paying to close the account and then keep charging them. This has been going on for over a year and I need help addressing this. Nobody there will help. They say the calls are recorded so I noted the exact time and date these calls took place.

  Customer Answer

  Date: 05/10/2024

  I received this yesterday in the mail. It is the most recent bill they have sent which consists of only late fees on Zero purchases. They charged an annual fee after I requested cancellation and they continue to add late fees to that bogus charge. 

• Initial Complaint

  Date:03/28/2024

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I want to cancel my scheduled program fees that are scheduled. I don’t see that option. I’ve called the customer service number which doesn’t give options for canceling or speaking to a real person.

  Business Response

  Date: 04/05/2024

  We have completed our investigation is attached.  

• Initial Complaint

  Date:03/26/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  01/27/2023 until today 03/26/2024 I have been paying this card I only owe them $300 but they always find away to take my payment my minimum payment is $41 but I pay $55 sometimes $60 so I can pay it off I didn't know I have to pay it before 5:00 I just like that that's why they were taking my payments I would pay it on the 27th but at 6:00 they said I have to make it before 5:00 they take the whole payment for a late fee I asked them how much are your late fees they said $41 I asked why did you take my $50 then I should not be over the limit I do not use this card I've been trying to pay this card off but I can't seem to pay it off they always come up with something that I owe I've been paying $300 off for a whole year I hope someone can help me please I close this account they still say I owe I just want to pay it off my credit limit again was only $300 so why am I still paying this card I always pay over the minimum Thank you again **** ********

  Business Response

  Date: 04/05/2024

  We have completed our investigation and our response is attached.

  Business Response

  Date: 04/05/2024

  Letter now attached