Synovus Bank CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
12/23/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Improper use of your report Reporting company used your report improperly	MD 20743	Web
My Response : First of ALL the disputed was start back in XXXX of this year, see attached documents, when I sent a request in writing to the bank to request for a certified accounting statement of account. Secondly I sent another request for a validation of the debt and proof that the debt wasn't owed and already tender by the form of tender of payment of negotiable instrument. As result I have sent documents to verify that the debt was already discharged by the CFO of the company.I gave the bank 3 MONTHS to prove me wrong, Still tell this day that still haven't provided proof ... NOW THEY OWE ME SEE ATTACHED INVOICE Affidavit that Im the CREDITOR, and everything is PREPAID! Reference : American Jurisprudence 2d State & Federal Consumer and Borrower Protection and Contractors Bonds Fonseca, Handling Consumer Credit cases 3d, 8:2 The extent to which the Truth in Lending Act applies to particular persons or transactions is governed by the definitions supplied by the Act. A basic definition is of the term " credit, '' which means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. The consumers ; consumer credit is backed by the collateral of my birth-right, Im Indigenous to the land and my signature on the application. One of the purposes of the Truth in Lending Act is the protection of credit consumers. The Act provides that the word " consumer, '' used with reference to a credit transaction, characterizes the transaction as one in which the party to whom credit is offered or extended is a natural person, and the money, property, or services which are the subject of the transaction are primarily for personal, family, or household purposes. A number of cases have construed this provision. Whether an investment loan is for a personal or business purpose requires a case by case analysis. ' The term " consumer credit '' is not defined in the Act itself, but the implementing regulation defines such a term as credit offered or extended to a consumer primarily for personal, family, or household purposes. The United States Supreme Court has held that in every " consumer credit '' transaction, two elements must be present : the party to whom the credit is extended must be a natural person, and the money, property, or services received by that person must be primarily for personal, family, or household purposes. Commonly referred to in the cases as the " Federal Reserve Board. '' A person '' means a natural person or an organization I An " organization means a corporation, government, or governmental subdivision or agency, trust, estate, partnership, co-operative, or association. The term " creditor '' is redefined to mean only the person to whom the debt is initially payable! The purpose of the Truth in lending Act is to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. The Act is designed to remedy problems caused by ignorance of the nature of credit obligations and costs divergent and sometimes fraudulent practices with regard to information, credit terms, as a result of which many consumers have been prevented from shopping for the best credit terms available and, at times, have been promoted to assume burdensome liabilities. Furthermore, it is the purpose of the Act to promote the informed use of credit by requiring creditors to disclose the true cost of consumer credit. NOTICE TO FIRST PROGRESS BANK FOR EMBEZZLEMENT, THEFT BY DECEPTION & EXTORTION FAILING TO DISCHARGE ALL DEBTS PURSUANT TO 73RD CONGRESS. SESS 1. CHS. 48 49. JUNE 5, 6,1933 HR 192 HR 1491 PUBLIC LAW 1 48 STAT 1 PUBLIC LAW 10 CHAPTER 48 STAT 112 PUBLIC LAW 73-10 40 STAT 411 TRADING WITH THE ENEMY ACT ( TWEA ) OCT 6, 1917 but not limited to : Since House Joint Resolution 192 ( HJR 192 ) ( Public law 7310 ) was passed in 1933 we have only had debt, because all property and gold was seized by the government as collateral in the bankruptcy of the United States . In 1863 the first Bank Act was passed. The Office of the Comptroller of the Currency ( or OCC ) is a US federal agency established by the National Currency Act of 1863 and serves to charter, regulate, and supervise all national banks and the federal branches and agencies of foreign banks in the United States. The OCC was created by Abraham Lincoln to fund the American Civil War but was later transformed into a regulatory agency to instill confidence in the National Banking system and protect consumers from misleading business practices. The Lieber Code, or General Order 100 was also created by Abraham Lincoln in 1863. The National Bank Act ( ch. 58, 12 Stat. 665, February 25, 1863 ) was a United States federal law that established a system of national charters for banks, the United States national banks. It encouraged development of a national currency based on bank holdings of the U.S. Treasury securities, the so-called National Bank Notes . It also established the Office of the Comptroller of the Currency ( OCC ) as part of the Department of the Treasury. This was to establish a national security holding body for the existence of the monetary policy of the state. The Act, together with Abraham Lincoln 's issuance of " greenbacks '', raised money for the federal government in the American Civil War by enticing banks to buy federal bonds and taxing state bank issued currency out of existence. The law proved defective and was replaced by the National Bank Act of 1864. The money was used to fund the Union army in the fight against the Confederacy. This authorized the OCC to examine and regulate nationally-chartered banks. The above only partially begins to include the historical records and other Acts of Congress that proves the US bankruptcy of 1933 and that there is no money, only credit that the American People are the Creditors. All credit card companies knowingly have been sending their ( customers ) dividends but, in fact, making each recipient believe that dividend was an invoice for services provided by the credit card companies. The Credit Card Companies have mailed through the US Mail an intentional misrepresentation of facts, unfair business practices and each credit card company and agents thereof have knowingly with forethought and malice created a fraudulent debt, defrauding the Creditor, that is the recipient of said dividends, that the credit card companies lead the recipient to believe through deception is an invoice. The Credit Card Companies in turn then extract through extortionate measures payment from the customers instead of the credit card companies informing those same recipients that this dividend is in actuality payment to the recipient as a charged off debt pursuant to the incorporated in entirety documented evidence provided herein. ALL credit card companies have thus created a convertible and fraudulent debt. ( see ANALYSIS OF A COUNTRY EMBEZZLED ). Every/all credit card companies have failed to pay off any of the public debt but rather unlawfully redirected ill-gotten gains into private corporate accounts through embezzlement, theft by deception, fraudulent conversion, and in violation to each all incorporated in entirety laws established through and as a result of the US Bankruptcy of 1933 , wherein there is no money, only " bank Notes '' which are but only a promise to pay. Thus all debts are to be discharged as agreed, but The Credit Card Companies ( and banks ) through their greed have not discharged any debt, fraudulently making the creditor customer deeper in debt by credit card companies use of " Bank Notes '' or " promissory Notes '' that the credit card companies add to the public debt side of the books rather than discharging the debts as stipulated in Public Laws, House Resolutions, and House Joint Resolutions. Additionally, the alleged invoices sent to every recipient is a dividend an/or a coupon to the recipient. The credit card companies all know this to be a fact. The Comptroller of The Currency also knows all of the above to be irrefutable facts, but is acting as a money laundering agency by/for/through/ the privately owned Federal Reserve, in Washington XXXX DC, et al XXXX The Comptroller of the Currency at County, State, and Federal level all know the incorporated documents and testimony to be true, but have yet to discharge any of the public debt, therefore have misappropriated funds through embezzlement, theft by deception, obtaining money through false pretenses, extortion and other predicate acts since the date of Comptroller of the Currency inception of 1863. All credit card companies, which are private for profit corporations, regardless of location, are knowingly participating in the fraud and Ponzi scheme with the intent to fraudulently convert this and every other country 's wealth into private industry accounts by fraudulent conveyance, embezzlement, theft by deception, creating fraudulent debts, Ponzi scheme and fraud through the US Mail, just for starters. Every judge and every attorney in America, especially those who hold positions with several direct connections into the credit card companies bank accounts and acting as attorneys for the banks, most presumably in all other countries as well, since they all get their instructions from England the same place that all the banks get their instructions through the Comptroller of The Currency headquarters in London England, each knowing the above and incorporated to be true, since they are well versed on the US Bankruptcy of 1933 and that America still remains to date in a state of Emergency and operates under English Law, though that also is supposed to be a well kept secret. This means there " IS NO MONEY. '' It further means that since there is no money American 's signatures are used as the credit to run this country. That in turn means that it is the American people who are the Creditors not the Debtors, as the banks and credit card companies would like everyone to believe. The Credit Card Companies have been operating with this knowledge with intent, forethought and malice to commit the crimes mentioned herein but not limited to. Due to the facts incorporated herein in entirety, all debts are to be charged off, including but not limited to every alleged credit card invoice, which each/all have actually been a dividend, for which every credit card company embezzled payment through fraud, using extortion and other threats to discontinue service if " Payment is not made. These alleged invoices were dividends that every credit card company using deceptive business practice lead the public to believe were debts owed, when it is a fact that it is the utilities companies who owe the American public all those fraudulently received ill gotten gains plus the interest, stocks, bonds and other proceeds derived therefrom. All utilities companies are now put on notice that all debts are to be charged off pursuant to the stipulated and incorporated herein Acts et al. Creditors Under the Truth in Lending Act, the term " creditor '' refers only to a person who both regularly extends, whether in connection with loans, sales of Hahn v Hank 's Ambulance Service , Inc. ( CA11 Ala ) 787 F2d 543, reh den, en banc ( CA11 Ala ) 792 F2d 1126. 15 USCS 1602 ( e ). Law Reviews : The Scope of the Truth-In-Lending Act and Regulation Z. 30 Prac Law 39, October 15, 1984. Annotations : Application of Truth in Lending Act ( 15 USCS 1601 et seq. ) to loans which are void under state laws, 54 ALR Fed 15 USCS 1602 ( h ). Selman y Manor Mortg. Co. ( ED Mich ) 551 F Supp 345 ; Anderson v Foothill Industrial Bank ( Wyo ) 674 P2d 232.
04/12/2018	Yes	Mortgage FHA mortgage	Applying for a mortgage or refinancing an existing mortgage	FL 33714	Web
On XX/XX/XXXX I contacted Synovus Mortgage because of a referral of a person I met in the First Time Buyers class. I was referred to XXXX XXXX, XXXX # XXXX because I was seeking to use XXXX XXXX XXXX XXXX down payment, as well as, XXXX XXXX Down Payment Assistant. I spoke briefly with XXXX on XX/XX/XXXX and explained that I had been working on cleaning up my credit since XXXX. I decided to apply for a mortgage with Synovus on XX/XX/XXXX. My credit was pulled on XX/XX/XXXX. I spoke with XXXX after she pulled my credit. She stated that I was close to my debt to income limit for a loan. I asked if she was including to two credit cards that I am only a user on. She did some reconfiguring, and stated that it would work. I received a pre-approval letter for a FHA loan on XX/XX/XXXX. ( See attached ) With that in hand, I found a realtor. While house searching, we referred to the XXXX XXXX XXXX list for down payment assistance. I noticed that XXXX XXXX XXXX Payment Assistance was reduced from {$20000.00} to {$7500.00}. This concerned me, since my loan amount was contingent on the amount of down payment assistance that I would receive. I contacted XXXX to ask about this and was told that she did not know why XXXX XXXX XXXX was telling people that. They were wrong and not to worry about it. I signed a contract to buy a house on XX/XX/XXXX and forward it via email to XXXX that day. I referred to pre-approval email from XX/XX/XXXX that contained a list of items that she would need once I was in contract. I started faxing. On XX/XX/XXXX I emailed XXXX to let her know that I had faxed everything from that list and was waiting to hear from her on anything else she may need from me. On XX/XX/XXXX I received an email from her explaining that she had not reviewed all the information that I faxed, but would get back to me should she need anything else. ( See attached ) This email stated that there would be 3 secure emails over the next 3 business days that I would sign electronically. I received one of those on XX/XX/XXXX, but not the other two. ( See attached ) I did however receive an email from XXXX on XX/XX/XXXX with 3 documents that I printed, signed, and faxed. ( See attached ) XXXX XX/XX/XXXX I received an email from XXXX requesting specific information that was needed for the down payment programs, including applications for each program. ( See attached ) We had inspection on XX/XX/XXXX, and the house did not pass XXXX. ( File exceeds 10 MB limit, can not attach to this complaint ) The inspector further wanted a foundation inspection. This was done on XX/XX/XXXX. The cost for the XXXX inspection was {$380.00} and the cost of the foundation inspection was {$100.00}. The estimate foundation repair was {$22000.00}. The owner was not willing to make repairs, so we cancelled contract. On XX/XX/XXXX I entered a contract on another house. I promptly sent it by email to XXXX. At XXXX XXXX called me and said that there was a problem with FHA , my debt to income was too high.Nothing changed financially for me since XXXX. But she pulled my credit again, and since it was higher* we could now do a conventional loan. She said she would work on it and call me back. I called XXXX on XX/XX/XXXX at XXXX and XXXX and left messages wanting to know if we were doing FHA or a conventional loan. I got no response. On XX/XX/XXXX I called XXXX at XXXX and left a voicemail asking if we were doing FHA or conventional, as well as, informing her that I was going to the title company to give my {$1000.00} good faith deposit. I got no response. On XX/XX/XXXX I called XXXX at XXXX, and once again asked if we were doing FHA or conventional. And again I did not get a response. I continued calling on XX/XX/XXXX at XXXX and XXXX. On XX/XX/XXXX XXXX and XXXX I left a message letting XXXX know that we were have an inspection the next day, XX/XX/XXXX, and we still needed to know if we were doing a FHA or conventional loan. On XX/XX/XXXX I called XXXX at XXXX and let her know we had just finished the inspection and we still needed to know what kind of loan we were going to be on. I called again at XXXX and XXXX. My phone calls and messages are still not being answered. The inspection fee on this house was {$380.00} and the termite inspection was {$100.00}. By XX/XX/XXXX, both my realtor and I are now concerned that maybe something serious has happened to XXXX. My realtor sent XXXX an email. I called and left messages at XXXX and XXXX. XXXX did not respond to my realtors email or my calls. I attempted to call XXXX for the last time on XX/XX/XXXX at XXXX. I then called Synovus Headquarters who gave me XXXX XXXX information and told me he was the Manager. I called XXXX and left a message on his voicemail. He returned my call at XXXX. He tells me that this is not how they do business and he will look into it. On XX/XX/XXXX I called and left messages at XXXX and XXXX. I did not receive a response. I then called again on XX/XX/XXXX and was able to reach him. He states that XXXX informed him that she told me that FHA was not going to work. I informed him that she told me that she could probably do conventional since my scores were higher and she would get back to me, but never even bothered to let me know one way or another. XXXX then looked up my file and said yes, you have a score that is OK for XXXX XXXX. He said he would work on it and get back to me. I called XXXX on XX/XX/XXXX and left a message to call me. He texted me stating that he was in a meeting and would call me back. I texted him back that I had spoken to my realtor and she needed a letter from Synovus stating that they could not qualify me for the loan so we could cancel the contract. I explained to him that I have been in contract for over 2 weeks and had given {$1000.00} good faith deposit. I needed this letter to recover my deposit. XXXX return texted stating that he could have the letter to me by the next day. He also stated that he personally worked on my file and could not get the conventional loan done for some reason, maybe credit scores. He was going to see if he could have the letter expedited. I texted XXXX on XX/XX/XXXX letting him know that my realtor was asking for the denial letter to cancel the contract. He texted back that he had requested it and would check on it. On XX/XX/XXXX I texted XXXX letting him know that my realtor was being asked for financing information that we could not provide by the sellers. I again asked when we would be getting the denial letter so we could cancel contract. I received no response. On XX/XX/XXXX I reached back out to Synovus corporate office. I was told by them that they could only handle problems with mortgages that have been closed on. They gave me XXXX XXXX name and number. I called and left a message. He returned my call on XX/XX/XXXX. After explaining the situation he stated that he would look into it and see what can be done to close this issue. On XX/XX/XXXX I attempted to contact XXXX and left a message. XXXX called me five minutes later. He explained to me that my information was put into a program that Synovus uses to qualify XXXX XXXX, but my information had never been submitted to the underwriters. Therefore, there wasnt a denial letter. He offered to send a report that is generated by the Synovus program. ( See attached ) I forwarded that email to my realtor, and she explained that this is not sufficient documentation to cancel the contract. I immediately emailed XXXX back and let him know that we needed a letter from the underwriters or XXXX stating that I did not qualify for neither FHA or conventional. On XXXX XXXX, I texted a message to both XXXX XXXX XXXX and my realtor stating that I had sent an email to XXXX the previous day and repeated what type of letter I needed from them. I asked if someone could please contact my realtor to get her the letter we needed to cancel contract. XXXX responded that he was working on my file and needed the address to submit to underwriting. He also stated that he would call my realtor about what actions were being taken. On XX/XX/XXXX my realtor sent a text at XXXX on the thread that I had started with XXXX and XXXX . She asked if we would be getting the letter on this day. The letter was emailed to me at XXXX from XXXX XXXX on XX/XX/XXXX. This was my first attempt at buying my first house. I feel that XXXX should have advised me based on information she had in XXXX, XXXX to wait another 6 months to get my scores up to secure better approval odds. I also feel as though XXXX does not stay up to date on changes with the down payment assistance since I was advised that what the XXXX XXXX XXXX told me about the XXXX XXXX XXXX payment program reducing what they were granting was incorrect. Upon researching, they were correct and that reduction happened in XX/XX/XXXX. She also failed to tell me that XXXX XXXX requires a credit score of XXXX, which I did not have in XX/XX/XXXX. XXXX was vague about any questions that I or my realtor had. She stated that she didnt know why my realtor was having me call her to ask questions, that my realtor should call her. My realtor explained to me that it was I that had the relationship with Synovus, but she contacted her anyway. XXXX completely dropped all communications with me without any explanations. I proceeded to give good faith money and pay for inspections while calling her on a daily bases explaining what was happening and asking about the loan she said she could give. At any point it would have been decent of her to call and let me know that there was not loan and to stop investing money. Based on XXXX word, I proceeded to invest money in making a home purchase that was not going occur. I trusted in her expertise and wasted over {$1000.00} and almost lost another {$1000.00} in good faith money.
12/21/2017	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	LA 70043	Web
I noticed that you are reporting inaccurate data - such as : REPORTING AN ACCOUNT AS A COLLECTION ACCOUNT MULTIPLE MONTHS IN A ROW WHEN AN ACCOUNT CAN ONLY GO INTO COLLECTIONS ONE TIME. NOT 4 TO 24 MONTHS IN A ROW LIKE YOU ARE REPORTING IT!!! AND NOT AS A BRAND NEW COLLECTION EACH MONTH ... YOU HAVE REPORTED THESE ACCOUNT INACCURATELY LONG ENOUGH.. .REAGING OF AN ACCOUNT IS A MISREPRESENTAION OF MY CREDIT HISTOR-Y ... XXXX so DELETE THESE ACCOUNTS NOW!!!! PLEASE!!!!! I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit worthy people by reporting erroneous false information. Under the FCRA, the following applies to me 2011 Louisiana Laws Civil Code CC 3494 Actions subject to a three-year prescription Universal Citation : LA Civ Code 3494 SECTION 2. THREE YEAR PRESCRIPTION Art. 3494. Actions subject to a three-year prescription The following actions are subject to a liberative prescription of three years : ( 1 ) An action for the recovery of compensation for services rendered, including payment of salaries, wages, commissions, tuition fees, professional fees, fees and emoluments of public officials, freight, passage, money, lodging, and board ; ( 2 ) An action for arrearages of rent and annuities ; ( 3 ) An action on money lent ; ( 4 ) An action on an open account ; and ( 5 ) An action to recover underpayments or overpayments of royalties from the production of minerals, provided that nothing herein applies to any payments, rent, or royalties derived from state-owned properties. Acts 1986, No. 1031, 1. civil code sec. 2 art. 3494 Louisiana Also I would like to state you keep deleting accounts and then the creditors add them back to my credit and re age debts that are in fact 3 + years older and also none of the creditors are registered in the state of Louisiana. I have provided proof were accounts have been deleted and creditors are illegally adding accounts back as new accounts. I have also provided proof that you are reporting accounts open that have been charged off and in my state prescription which is only allowed there Years ... do whats right and delete these accounts as you are reporting false documents!!! The following accounts listed on my credit as follows XXXX XXXX- 3 years old and a XXXX balance. Reporting as open. Ive also added my FCRA guidelines that apply to me as well 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. B ) Requirements Relating to Reinsertion of Previously Deleted Material ( i ) Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. ( ii ) Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. ( iii ) Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. ( C ) Procedures to prevent reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumer 's file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i ) ). ( D ) Automated reinvestigation system. Any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall implement an automated system through which furnishers of information to that consumer reporting agency may report the results of a reinvestigation that finds incomplete or inaccurate information in a consumer 's file to other such consumer reporting agencies. ( 6 ) Notice of Results of Reinvestigation ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumer 's file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; ( iv ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the information ; and ( v ) a notice that the consumer has the right to request under subsection ( d ) that the consumer reporting agency furnish notifications under that subsection. ( 7 ) Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. ( 8 ) Expedited dispute resolution. If a dispute regarding an item of information in a consumer 's file at a consumer reporting agency is resolved in accordance with paragraph ( 5 ) ( A ) by the deletion of the disputed information by not later than 3 business days after the date on which the agency receives notice of the dispute from the consumer in accordance with paragraph ( 1 ) ( A ), then the agency shall not be required to comply with paragraphs ( 2 ), ( 6 ), and ( 7 ) with respect to that dispute if the agency ( A ) provides prompt notice of the deletion to the consumer by telephone ; ( B ) includes in that notice, or in a written notice that accompanies a confirmation and consumer report provided in accordance with subparagraph ( C ), a statement of the consumer 's right to request under subsection ( d ) that the agency furnish notifications under that subsection ; and ( C ) provides written confirmation of the deletion and a copy of a consumer report on the consumer that is based on the consumer 's file after the deletion, not later than 5 business days after making the deletion. With this being said Im aware of my rights. Please do whats right and delete and make sure these stay off my reports. Thanks happy holidays XXXX.
10/17/2019	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	GA 30028	Web	Servicemember
To whom it may concern : A loan was opened in my name with a forgery of my signature. After my recent discovery of this matter, I have taken appropriate steps to report it to XXXX County Police Department ( case # XXXXX ) and XXXX County Sherriffs Office ( case # XXXXX ). The police investigation reflects XXXX forged my signature. I have requested the bank to formally release me from liability and correct my credit report. Despite my efforts to resolve this matter with the bank, the bank refuses to appropriately consider my plea. Instead, I have been repeatedly referred to the branch manager and loan officer, who have attempted to stifle my efforts in order to cover their mistakes. Therefore, I am making this formal complaint to the CFPB. Loan number XXXXXX originated by Loan officer, XXXX, was created at the Synovus branch in XXXX, Georgia. The loan is in the name of XXXX ( husband ) and me. It is dated XX/XX/XXXX, in the amount of {$17000.00}. It calls for 36 payments of {$540.00} and is collateralized by a XXXX XXXX XXXX. As evidenced by the police investigation, my husbands father, XXXX forged my signature on the Credit Application ; Amount Financed Itemization Form ; and the Note, Disclosure and Security Agreement. I never gave him permission or provided him a Power of Attorney for him to do so. In fact, I did not know I had a loan until I recently pulled a credit report due to my pending divorce. I have never been to Synovus Banks XXXX branch until I personally notified the branch manager of the forgery in XX/XX/XXXX. I never saw or received any loan documents from XXXX, XXXX, or Synovus Bank. Further evidenced on the credit application is falsified information of my personal history regarding past employer and residence. The credit application states my 2nd Employer No. of Yrs. : 7, and, Present Address, box marked Rent for No. of Yrs. : 10. This information is incorrect as I had no second employer at the time of loan origination nor have ever been employed at a job for 7 years. I also do not rent my present home. The number of years 10 is also incorrect as I have lived at my present home for 12 years as of XX/XX/XXXX. Therefore, Synovus Bank : 1. Does not have a valid note and security agreement, amount financed itemization form, and credit application due to my forged signature on each document. I was never given a chance to review and sign the documents. I never received copies of such agreements. The following excerpt from the documents shows that my authentic signature is required : The Note, Disclosure and Security Agreement states, SIGNATURES AND SEALS- IN WITNESS WHEREOF, I HAVE SIGNED MY NAME AND AFFIXED MY SEAL THE DATE BELOW GIVEN. I AGREE TO THE TERMS SET OUT ON PAGE 1 THROUGH PAGE 7 OF THIS NOTE. I HAVE RECEIVED A COPY OF THIS DOCUMENT ON TODAYS DATE The Amount Financed Itemization form states, By signing, I acknowledge receipt of a copy of this Amount Financed Itemization on todays date. The Credit Application states, You authorize us to request one or more consumer reports, to check and verify your credit and employment history, and to answer questions others may ask us about our credit experience with you, and You certify that everything you have stated in this Credit Application and on any other documents submitted to us are true and correct to the best of your knowledge. 2. Does not have a Power of Attorney providing XXXX the ability to execute loan documents in my name. 3. Has violated the Fair Credit Reporting Act by pulling a credit report without my authorization ( written or verbal ). The Credit Application ( which requires an original signature ) states, You authorize us to request one or more consumer reports, to check and verify your credit and employment history, and to answer questions others may ask us about our credit experience with you. Therefore, Synovus is in violation since I never authorized. 4. Has reported this loan on my credit report, which negatively affects my ability to get additional credit. 5. Has violated BSA/AML regulations because Synovus Bank did not perform mandatory customer due diligence and customer identification procedures. Since I did not participate in this transaction nor was there in person, they did not verify my identity through appropriate documents, such as State drivers license, etc. If this is a pattern or practice, then this would be a BSA pillar violation for Synovus Bank and subject the bank to supervisory enforcement actions and civil money penalties. Reflecting back, on or about the date of loan origination, I received a call from the loan officer, who requested my personal information such as DOB, Drivers License Number, and home address ; however, it was never communicated to me that I would be a signer on a loan. In fact, XXXX communicated to me that the vehicle was a gift to me and he would make full and complete payments on a loan they were getting. I was under the impression that XXXX and XXXX were the makers on a loan, so that XXXX could build his credit. I was never under the impression that my name and credit would be used to finance the car. Hence, XXXX took advantage of me since I am young and did not have any prior knowledge of the bank financing process. ( Again, Synovus Bank, XXXX, and XXXX did not provide me with any paperwork. ) Throughout our short marriage ( divorce is in process ), XXXX and XXXX failed to show me any loan documents regarding this matter and never discussed any information with me. All I knew was that the car was a gift to me, and XXXX financed the vehicle and would make all payments on it. This matter was never a topic discussed, which adds the impression of them keeping this hush-hush from me. My only knowledge was the car was a gift and I had no knowledge my name was cars note. Approximately 1-2 months after the loan origination, I received correspondence in the mail from Synovus Bank. Once received, I reached out to XXXX through text message that I received this book in the mail and that I will give it to him. I did not take time to look at it and did not give it a second thought. I had no idea what it was and why it was sent to my home address. ( From what I know now, it was a payment book that gets sent to the loan recipients from the loan issuer. ) Again, I was unfamiliar with loan processing and was not versed in financial matters of this transaction. In my last phone conversation in XX/XX/XXXX with the loan officer, XXXX, she stated that she had called me ( at or around loan origination ) to obtain my information, such as date of birth and drivers license number and had informed me of such credit application. She also complimented XXXX long history with the bank and that they had a good customer relationship. During the XX/XX/XXXX call, I again communicated to XXXX that she, XXXX, and XXXX never communicated to me that my information was being used to obtain a loan and that I would be liable on the loan. ( It seems their existing banking relationship facilitated the forgery. ) I ended the phone conversation by requesting my name be taken off the credit application and loan, but she refused. Therefore, I am making a formal compliant to CFPB to 1 ) formally document Synovus Banks poor lending practices to consumer s, 3 ) document Synovus Banks failure to act and correct this situation, and 3 ) request CFPBs intervention in resolving this matter. Considering my pending divorce with XXXX, I am afraid that I will be eventually liable for a fraudulent activity that was performed by XXXX and XXXX. As a soon-to-be divorced, young female with a young child and limited income, my ability to get credit is very important. I need this matter resolved immediately. Expressly, I need Synovus Bank to release me from any and all liability for this loan, remove any association of my name on these documents, and correct my credit report. Sincerely, Me
07/14/2021	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	GA 306XX	Web
Complaint overview : This complaint is regarding what I intended to be a 30-year conventional mortgage for my primary residence ( closing date XX/XX/XXXX ) with Synovus Bank. In XX/XX/XXXX I learned, completely by chance, that I was placed in a commercial loan for a non-owner-occupied residential rental property used for business purposes. This loan matures with a large balloon payment tomorrow ( XX/XX/XXXX ). I did not apply for such a product, did not knowingly or willingly agree to such a product, never had any intention of renting the property and had every intention of living in the property with my two children as a primary residence as I have done. I have so many questions about how this happened and began my inquiries in mid-May. I was promised a 3-month extension while I/they investigate, but later XXXX XXXX made that conditional upon my applying for a residential mortgage with Synovus through normal channels and with normal costs and inconveniences. I was also informed that escalating the complaint or speaking to someone in a higher position would mean turning my case over to asset management. In an effort to cooperate, I applied for the mortgage, received a loan package that is not a guarantee of approval, and was asked to sign an intent to proceed, but I am being met with endless delays regarding the extension on the first loan as well as an unwillingness to provide loan-related documents, which is deeply concerning as the loan matures tomorrow. I have requested in writing via email and am requesting here again that they refrain from discarding or destroying any documents and communication related to this loan now and in the future until we come to a mutual agreement regarding this case. Synopsis of my story/argument : First, I want to establish my stance that : If a residential purchase loan is for a 1-4 unit family dwelling, even if it is going to be used as a rental property, owner-occupied or non-owner-occupied, and is extended to a natural person ( or even an LLC in most cases ), and is secured by that residential property as collateral, it is still considered to be a consumer loan, not a commercial loan, unless it passes a 5-step test, which must be considered by the lender. The criteria is specific, and I in no way meet it. Even if I had asked for a commercial loan, told them I would use it for business purposes and that it would be non-owner-occupied ( I didnt do any of the above ), the lender should have determined it actually does not qualify for a business purpose commercial loan. The reason to include the Business Purpose Statement is mostly to avoid providing disclosures and not be subject to RESPA or TILA in most cases. I received no disclosures of any sort ( and no GFE ), but a HUD-1 settlement statement was used at closing without page 3, which I assume was because there was not a Good Faith Estimate to compare against the settlement statement. It is obvious that I did not write the date on the Business Purpose Statement in the closing attorneys file. That is absolutely not my handwriting. Why was it prefilled by computer and another persons handwriting, except for my signature? Why didnt they just have me write the date? Was the rest of the page covered up when I signed it? Did the attorney tell me I was signing something different from what it actually was? I dont know the answer to these questions, but I do know I wouldnt have signed it without some act of gross negligence on the part of the attorney, lender or both ( at the very least ). Though bank documents have been requested, Synovus has not provided any documents besides a scanned copy of page 3 of the loan note. They will not provide the wet signed original of that document or any other. They have not provided copies of my application, the loan officers mortgage transaction journal, any communication showing my intention to obtain a rental income property and wouldnt occupy the property ( I moved in that day, never lived anywhere else, and never solicited renters nor had renters ). They have not provided any documentation explaining the break in continuity between loan officers, and why only one name is on any documents- a person with whom I have never met or discussed a loan, despite a document he says he took face to face and I signed ( that is not the case ). That document also provided a loan officer number that doesnt match his NMLS number, which I firmly believe he would have been required to provide under the SAFE Act for the reason stated earlier in this document : it should not be a commercial loan, but a consumer loan. He was registered through the NMLS at the time ; however, so it seems he did choose to provide a number, just not his NMLS number according to the NMLS Consumer Search Database. What is that number he provided? I never applied for anything with XXXX XXXX. I firmly believe I did not sign those documents and am reviewing them against many signatures for proof of copy/paste forgery ; but even if I cant find the proof, I would never have signed anything saying Im renting and not occupying the property willingly or knowingly, so gross negligence is most definitely involved here at the least. Not one person in that closing room was under the impression this was anything other than a conventional 30-year residential mortgage. There is even a contingency in the contract to purchase stating that, which speaks volumes about my intentions, especially when paired with email communications I had with the original loan officers regarding this mortgage, never referring to it as anything other than that. We were prepared to close twice prior to this with the previous loan officers ( no longer working for Synovus ) before XXXX XXXX or XXXX XXXX ever showed up in the process, but we had to postpone for reasons irrelevant to this case. Synovus hasnt provided any communication with me that shows I was ever informed of any changes to my intended product, nor any documents that show I applied for such product, nor any documents supporting their decision to place me in such an inappropriate loan product. In addition, since I believe this should have never qualified as a commercial loan in the first place, Regulation Z is expanded in Georgia to state that a bank can not extend a loan with the intent to foreclose, which can be proven by the bank not determining that the borrower has the ability to repay the loan. There is no way any reasonable person could have determined an ability to repay in my case. I was putting a majority of my cash on hand into the down payment for the property and certainly did not turn in any kind of business plan with rents, property management, costs, etc. My local Synovus representative was told after contacting the Loan Vault and Legal departments that they would probably have to require me to have an attorney subpoena the documents. Im not sure she meant to tell me that, but she did. She has said this was supposed to be an easy thing, and she was essentially blindsided by the difficulty she has had in providing these documents and doesnt understand what is going on. The loan officer who started this process for me in XXXX of XXXX, and is now employed by another bank, said he doesnt know what happened, but he was especially concerned that they had me sign documents stating I wouldnt occupy the home and that they evidently shoehorned me into a relationship loan product without informing me, and without my consent, between the previous two times we were supposed to close and the actual closing. My real estate agent has owned her business here for decades and said this is the screwyist thing shes ever seen in her business. I believe it is evident that there was not an ounce of good faith anywhere in this entire closing/final lending process.
12/13/2021	Yes	Checking or savings account Checking account	Opening an account Unable to open an account	FL XXXXX	Web
All communications with Synovus banks denial to open a Non-Statutory- Private Trust account have been in email communications. Below I have provided a copy of these email correspondences between Synovus Bank, XXXX XXXX and myself, XXXX XXXXTrustee for XXXX XXXX XXXX XXXX XXXX XXXX Synovus denied to open the account and refused to provide to me substanciated Lawful reason ( s ) as to their denial. _ ALL EMAILS ARE BELOW _______________________________________________________________________________ Synovus denial Email : From : XXXX, XXXX XXXX Sent : Friday, XX/XX/2021 XXXX XXXX To : XXXX XXXX XXXX Subject : RE : from : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TO THE BENIFICARY RULE Yes, I responded back to this email already XXXX. I also sent you an email that our legal department is not going to allow me to open the Trust Account that you had requested. Thanks! ________________________________________________________________________________ My 1st Response to denial From : XXXX XXXX XXXX Sent : Friday, XX/XX/2021 XXXX XXXX To : XXXX, XXXX XXXX Subject : [ XXXX ] Re : from : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TO THE BENIFICARY RULE Please provide to me in writing the reason for the denial. Thank you. XXXX XXXX Trustee ________________________________________________________________________________ SYNOVUSS 1st DENIAL STATEMENT From : XXXX, XXXX XXXX Sent : Friday, XX/XX/2021 XXXX XXXX To : XXXX XXXX XXXX Subject : RE : from : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TO THE BENIFICARY RULE The reason I got is in red below. " This does not appear to be a validly executed trust. '' ________________________________________________________________________________ MY 1st REQUEST FOR INFORMATION AND EXPLANATION OF THE ABOVE DENIAL STATEMENT XXXX, Please confirm receipt of this correspondence. Thank you, Per our conversation this email is to serve as a complaint and dispute of Synovus ' s Legal teams ' denial to open a Trust Account. XXXX XXXX XXXX XXXX XXXX was denied an account at your bank and the reason given was that " This does not appear to be a validly executed trust. '' XXXX XXXX XXXX XXXX XXXX was " executed '' in a religious court, by the Chief Justice of that court. The paperwork that your bank was given shows that XXXX XXXX XXXX XXXX XXXX was Created in a religious Court under Spiritual Jurisdiction, and is private between consenting parties. XXXX XXXX XXXX XXXX XXXX is a Non-Statutory Trust. 1. Please send me your written definition and guidelines that define a " validly executed trust. '' 2. Please provide to me the name ( s ) of the person or persons who made this decision. And their title. See attached documents. Respectfully, XXXXXXXX XXXX-Trustee XXXX SYNOVUSS RESPONSE TO THE ABOVE EMAIL, 2nd DENIAL STATEMENT GIVEN XXXX, XXXX XXXX Mon XX/XX/2021 XXXX PM To : XXXX XXXX XXXX XXXX XXXX forwarded the documentation to our legal department and there response is, None of the documentation presented has any impact on our ability to refuse to open this trust. Thanks! ________________________________________________________________________________ MY RESPONSE TO SYNOVUS EMAIL XXXX! XX/XX/2021 @ XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX To : XXXX XXXX XXXX XXXX XXXX, In accordance to the following Law, but not limited to : According to the Fair Credit Reporting Act, The bank is required to tell me why and supply me with the information as to what the specific legal reason ( s ) for denial are. a. Stating the denial is " " This does not appear to be a validly executed trust. '' As I had requested in an earlier email. Please send me your written definition and guidelines that define a " validly executed trust. '' Please provide to me the name ( s ) of the person or persons who made this decision. And their title. b. Synovus other statement " None of the documentation presented has any impact on our ability to refuse to open this trust. Clearly this denial response is not within the law of The Fair Credit Reporting Act! c. Section 242, Title 18, Deprivation of Rights Under the Color of Law. d. Fair Access to Financial Services Act. e. Religious Discrimination. XXXX XXXX Trustee ________________________________________________________________________________ SYNOVUS RESPONSE XXXX, XXXX XXXX Mon XX/XX/2021 XXXX XXXX To : XXXX XXXX XXXX, The Fair Credit Reporting Act says the following : The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority. Please tell me where Synovus Violated the Fair Credit Reporting Act? ________________________________________________________________________________ MY RESPONSE XXXX XXXX Mon XX/XX/2021 XXXX XXXX To : XXXX, XXXX XXXX If at any time during the checking account application process, Synovus used a checking account screening company or other information agency and or pulled my credited. Under the Fair Credit Act Synovus is to provide me with that in formation. I have in good faith attempted to have Synovus answer the questions that I have a lawful right to have answered. Synovus refuses to provide Lawful answers, instead are giving some vague statements! By Federal Law the bank is required to give to me Lawful reason as to any denial, not unsubstantiated statements. For this reason this is why there are these agencies. Consumer Financial Protection Bureau ( CFPB ), a U.S. government agency that makes sure banks, lenders, and other financial companies treat you fairly. a. Synovus denial is " " This does not appear to be a validly executed trust. '' As I had requested in an earlier email. Please send me your written definition and guidelines that define a " validly executed trust. '' Please provide to me the name ( s ) of the person or persons who made this decision. And their title. b. Synovus other statement " None of the documentation presented has any impact on our ability to refuse to open this trust. c. Section 242, Title 18, Deprivation of Rights Under the Color of Law. d. Fair Access to Financial Services Act. e. Religious Discrimination. XXXX XXXX -Trustee
07/14/2022	Yes	Mortgage FHA mortgage	Applying for a mortgage or refinancing an existing mortgage	FL 33647	Web	Older American
XXXX XXXX XXXX XXXX XXXX I am writing this complaint because the XXXX XXXX XXXX XXXX process has caused my family egregious humiliation, financial catastrophe, and despair. It is my goal to ensure that this never happens to another prospective homeowner and as such, I am filing several complaints with different oversight agencies. The first complaint is with the Board of Governors of the Federal Reserve System against Synovus Bank for its, Unfair or misleading practices. Although the process began on XX/XX/XXXX, the home buying process did not begin until XX/XX/XXXX. At that time I spoke to XXXX XXXX to inform him that I had met all the requirements to purchase a home and had already completed a prequalification process with a bank. Four months later on XX/XX/XXXX, I received my XXXX award letter and reservation number. My intake coordinator suggested that I contact Synovus bank because they administer the XXXX XXXX XXXX program that would add another {$25000.00} to the already approved {$30000.00} provided by XXXX XXXX XXXX XXXXXXXX. XXXX XXXX at Synovus Bank prepared a prequalification letter stating that Synovus would approve up to {$320000.00}. I responded by email that I thought that this number was a little high considering the XXXX XXXX XXXX strict limits on the debt ratio. She assured me that she had taken it into consideration. On XX/XX/XXXX, I placed an offer on the property located at XXXX XXXX XXXX. When I contacted XXXX to tell her that the offer had been accepted she notified me that a glitch in the system gave me a prequalification amount that was too high. Frustrated but understanding, I asked her to give me a firm number. Her revised prequalification was for {$270000.00}. I called her to let her know that the owner will consider {$270000.00}. At this time XXXX informed me that {$270000.00} did not work. This was the first of many times I requested a pre-approval rather than a pre-qualification letter without success. On XX/XX/XXXX, I wrote to XXXX XXXX the president of Synovus indicating the problem I was having with XXXX XXXX. He assigned XXXX XXXX to work with me. XXXX assured me this was no problem and went about to secure several grants however absent from the package was the XXXX XXXX XXXX grant of {$25000.00}. On XX/XX/XXXX, I spoke with XXXX on four separate occasions about my concerns about the upcoming ribbon-cutting ceremony with the mayor. XXXX assured me that a mortgage for {$280000.00} was not a problem. I attended the ceremony with the mayor, many dignitaries, and news crews from all XXXX organizations. Placing myself and my often wheelchair-bound son on display for all to see. On XX/XX/XXXX, XXXX informed me that he could not verify XXXX income. XXXX had verified his income on XX/XX/XXXX however too much time had lapsed and by XX/XX/XXXX, they could no longer verify his income. I informed XXXX that XXXX had accepted a XXXX job within the XXXX XXXX XXXX, however, once all his paperwork is processed you can verify his income. XXXX told me he could make it work with just my income because my total monthly debt is {$160.00} per month. On XX/XX/XXXX, almost two weeks later XXXX informed me that they could not process the loan. I asked if we could delay the process until XXXX received the formal offer he responded that he would need two months of pay stubs which is an untenable position for us. During a prior discussion, he stated that he could move forward with an offer letter/contract as proof of employment. At this point, I knew that there was nothing we could do to obtain a mortgage with Synovus or access the XXXX XXXX XXXX funds of {$25000.00} administered by Synovus. I understand that during the home buying process one should not make any changes however that is difficult to achieve over an 18-month process. Especially when it comes to employment within the world XXXX XXXXXXXX Our lease ended on XX/XX/XXXX, and our original plan for housing became unavailable. As a result, we have been living out of our car and in cheap hotels. But even this modest plan has fully depleted our savings leaving us with just enough money to close on the house. Prior to my lease ending XXXX. suggested that I re-sign the lease and break it once we found a house. After struggling for two years to improve my credit I did not think this a wise alternative. In addition, I recently discovered that because of all the hard pulls on my credit it has dropped to XXXX from just above the XXXX required score. During this time I have not had any late payments and I have not made any purchases, therefore, the only cause for the XXXX score to drop is due to the process of acquiring a mortgage. Over the past few days, I have worked XXXX XXXX to try to obtain a mortgage on properties less than {$220000.00}, however, she finds reasons to reject each property. I can only assume that Synovus does not intend to underwrite a mortgage for me and my son. Making the XXXX XXXX XXXX assistance improbable. When my realtor brought it to the attention XXXX XXXXXXXX yesterday that I could not place an offer on another property without the letter of denial for the XXXX XXXX property. This was also necessary to process the return of the {$1000.00} earnest money certified check. I received the denial letter today four weeks after I received a verbal rejection. In summary, we are humiliated by our use of television as the first homeowners during the Unveiling of First Affordable Home From Infill Phase II. Had we known that we would not be given a mortgage for this property we would have made other decisions that would not have publicly humiliated us and decimated our finances. We feel bamboozled by Synovus. We believed every promise they made to our detriment. Just last week I was contacted by Synovus to complete an application for the XXXX XXXX property and to provide additional tax documentation. I became hopeful once again. I emailed XXXX XXXX and XXXX XXXX to ask them why they needed this information. XXXX did not respond, however, XXXX indicated that she did not know. A few days later my realtor informed me that they were probably preparing a post-mortem denial letter. We have been XXXX now for over four weeks and we see no relief in the future. I respectfully request that the agencies involved help us work to find a solution to our XXXX predicament. Ideally, we would love to secure a mortgage on the XXXX XXXX property. We are paying {$600.00} per week to stay in an XXXXXXXX motel, needless to say, a mortgage is more affordable. I have supporting information in the form of emails and phone logs. If you require further information I am more than willing to provide it to you.
12/01/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	MD 210XX	Web
I've pasted a letter below that I sent them back in XXXX. They lied and told me someone would respond in XXXX business days. I gave it XXXX got a response. Called them and they said their system says my request was denied and a letter went out. I told them to stop lying if a letter went out I would have received it by now. I contacted the XXXX XXXX XXXXXXXX to file a complaint and they did the same thing. Said a letter went out but I never received anything. In the process one of the " missing '' payments that they blamed on the post office was cashed. They held that check for XXXX XXXX months, charged me a late fee and reported it to the credit bureaus. I have a copy of that check. Please help me. I attached a copy of the check they said the post office lost. Proving they are holding peoples payments for their financial gain. XX/XX/XXXXXXXX First Progress Card XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TN XXXX To Whom It May Concern : My name is XXXX XXXX XXXX I am a First Progress card holder ( account # was listed in the letter sent to them ). This document serves as my official request for my unfounded late fees to be credited back to my account. As well as my written detail/account of my issues/complaints with First Progress. I got this card because I had experienced a XXXX XXXX which destroyed my credit. I got this card in XXXX or XXXX of XXXX. Out the gate I was hit with a {$29.00} late fee on XX/XX/XXXX. Due to the demands of my job during that time, I didnt have a free minute to call to discuss the fee. As time went on the fees kept coming and now the red flags are going off. My account payments and fees are as follows : XXXX {$40.00} late fee applied to my account XXXX payment of {$130.00} was applied to my account XXXX {$41.00} late fee applied XXXX {$100.00} payment was mailed but check was lost/never cashed on First Progress end XXXX {$41.00} late fee applied XXXX {$50.00} payment was credited to my account XXXX {$140.00} payment was credited to my account *The XX/XX/XXXX payment was the XXXX payment. That check was held for a very long time. Its no reason that I would ever send two payments for the same month. XXXX {$41.00} late fee applied XXXX {$140.00} payment was credited to my account XXXX {$41.00} late fee applied XXXX {$140.00} payment was mailed. Another check/payment lost/never cashed. Around XXXX ( XXXX ) is when I made my first phone call to complain about the predatory actions of First Progress. The representative told me that the mail was still delayed due to XXXX. I told the gentleman that did not make sense. We were in year three of XXXX. Safe to say, regular mail was moving normal. I was mailing the payments earlier enough for them to be received on time. I had even started getting receipts from the post office to prove the mailing date/length of time. I then asked are you all purposely leaving the payments in your XXXX XXXX XXXX charge people late fees. He did say the box was checked once a week and said he couldnt help me any further. Disgusted with the poor customer service I hung up. My next call happened in XXXX ( XXXX ). More frustrated by additional late fees. I tried a second call. This time, the representative was slightly better but still not really resolving the issue. I went through my account with him. I expressed that the fees were applied the day before my account was credited with my payment. I explained that apparently First Progress had my check and it had cleared my bank in order for First Progress to apply it to my account the day after you all had applied the late fee. He danced around my question and then asked me why didnt I pay my bill online. I told him, I did not have an online option. I had checked into that months ago when all this started. He then told me to try using a different browser. As a matter of fact, he told me to try using XXXX. Which didnt make sense to me because at this point Id had the card since late XXXX and I never had an online paying option. This representative did reverse on {$41.00} dollar fee. He said he could only do XXXX and apologized to me for my experience. When my XX/XX/XXXX check was never cashed and another late fee was applied. I started doing research on First Progress and discovered the XXXX XXXX XXXX had XXXX complaints in the last three years. Complaints that were very familiar to me. Lost payments, late fees, no online payment access, etc. Now, I make my third call in XX/XX/XXXX. Once again, I get a nasty/rude customer service representative. Im telling him that my XXXX payment was never cashed and that this was not the first time a payment was lost on First Progress end. He rudely told me to send him a copy of the cancelled check to have the payment applied to my account. I told him you all have NOT cashed my check. I do have the carbon copy to prove it was written and I have the post office receipt to prove when it was mailed. He told me, that does not help him. He needs the cancelled check. I can not send you a copy of the cancelled check if you all have lost it. We went back and forth for a while. I finally said, I need to speak to a supervisor to have the last four late fees reversed totaling {$160.00}. He told me the one reversal I received was a one-time courtesy and in order to have the other four considered I had to write a letter requesting them. Completely disgusted with the treatment and lack of resolutions for me as a customer. I sought a legal opinion. Additionally, something told me to log into my account and see if I could now pay online. Sure enough/magically, all of a sudden, I had online payment abilities. So, on XX/XX/XXXX I made an online payment in the amount of {$86.00}. At the same time, the gentleman ( legal counsel ) told me to follow your required steps. Write the letter attach the XXXX XXXX XXXX and request my late fees be reversed. With that being said, Im giving you the opportunity to rectify this situation without having to include a third party. Im a hard-working divorced mother of two. I trusted you to help me re-build my credit and instead, I feel like this is a predatory lending credit card company. The loss of the payments and the late fees being applied are deplorable. I humbly ask that you credit my account the last four late fees totaling {$160.00} and my plan is to pay the remaining balance off as soon as possible to have my {$1000.00} deposit returned to me. I look forward to hearing from someone regarding the resolution. Completely Dissatisfied Customer, XXXX XXXX XXXX
11/19/2021	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	TX 75241	Web
Dear Sir or Madam, 1. FIRST PROGRESS CARD Account Number : XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as wells 60 days late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I immediately disputed this information with FIRST PROGRESS CARD and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau po box 4503 Iowa City, Iowa 52244
12/16/2021	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	AR 72143	Web
Dear Sir or Madam, XXXX. XXXX Account Number : XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as XXXX 60 days late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I immediately disputed this information with XXXX and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
11/26/2021	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	TX 751XX	Web
Dear Sir or Madam, XXXX. XXXX Account Number:XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me XXXX days late on this account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as wells XXXX days late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I immediately disputed this information with XXXX and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( XXXX, XXXX. XXXX, and XXXX. ) as stated below : XXXX. Correction of billing errors ( b ) Billing error ( XXXX ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( XXXX ) A computation error or similar error of an accounting nature of the creditor on a statement. ( XXXX ) Failure to transmit the statement required under section XXXX ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than XXXX days before the end of the billing cycle for which the statement is required. ( XXXX ) Any other error described in regulations of the Bureau. XXXX. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section XXXX ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section XXXX ( a ) ( XXXX ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section XXXX of this title and has allowed the obligor the same number of days ( not less than XXXX ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section XXXX ( a ) ( XXXX ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. XXXX. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and XXXX years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA XXXX ( a ) ( XXXX ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBAXXXX ( b ) ( XXXX ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the XXXX XXXX XXXX XXXX I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have XXXX days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX BCC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Iowa XXXX
12/06/2021	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	TX 75287	Web
Dear Sir or Madam, 1. XXXX Account XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as XXXX 60 days late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I immediately disputed this information with XXXX and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of BirthXXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX Iowa XXXX
11/19/2021	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	TX XXXXX	Web
Dear Sir or Madam, XXXX Account XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your XXXX and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as XXXX 60 days late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I immediately disputed this information with XXXX and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the XXXX XXXX XXXX XXXX ( XXXX ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you XXXX have for this alleged account. I am very confident that you are in violation of the ( XXXX ) and ( XXXX ) sections ( XXXX, XXXX. XXXX, and XXXX. ) as stated below : XXXX. Correction of billing errors ( b ) Billing error ( XXXX ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( XXXX ) A computation error or similar error of an accounting nature of the creditor on a statement. ( XXXX ) Failure to transmit the statement required under section XXXX ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than XXXX days before the end of the billing cycle for which the statement is required. ( XXXX ) Any other error described in regulations of the XXXX. XXXX. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section XXXX ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section XXXX ( a ) ( XXXX ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section XXXX of this title and has allowed the obligor the same number of days ( not less than XXXX ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section XXXX ( a ) ( XXXX ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. XXXX. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the XXXX XXXX and XXXX. The following accounts were listed on your report and I have demanded from them a full accounting and XXXX years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( XXXX ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the XXXX, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( XXXX XXXX ( a ) ( XXXX ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( XXXX ( b ) ( XXXX ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( XXXX ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the XXXX XXXX of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the XXXX you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the XXXX, you must remove this negative information. Thank you for your time, Client Name SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
11/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	TX 75043	Web
Dear Sir or Madam, 1. FSTPROGRESS Account NumberXXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX and XX/XX/XXXX as wells 60 days late on XX/XX/XXXX and XX/XX/XXXX lastly 90 days late on XX/XX/XXXX and XX/XX/XXXX. I immediately disputed this information with FSTPROGRESS and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
10/27/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	FL 32210	Web
Dear Sir or Madam, 1. FSTPROGRESS Account Number:XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX and 60 days late in XX/XX/XXXX as well as 90 days late in XX/XX/XXXX and XX/XX/XXXX. I immediately disputed this information with FSTPROGRESS and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX BCC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
11/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	TX 75077	Web
Dear Sir or Madam, 1. XXXX Account XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX as wells 60 days late on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I immediately disputed this information with XXXX and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
10/27/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	FL 32210	Web
Dear Sir or Madam, 1. FSTPROGRESS Account Number:XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX and 60 days late in XX/XX/XXXX as well as 90 days late in XX/XX/XXXX. I immediately disputed this information with FSTPROGRESS and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
12/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	AL 360XX	Web
1. FIRST PROGRESS CARD Account Number:XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX. I immediately disputed this information with FIRST PROGRESS CARD and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor, or a credit issued to the obligor. ( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by the creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by the creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by the creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers, and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA, and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years ' worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements, or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I, therefore, demand these late payments are removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I, therefore, am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX BCC : Consumer Financial Protection Bureau po box 4503 Iowa City, Iowa 52244
11/24/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	TX 75165	Web
Dear Sir or Madam, 1. FSTPROGRESS Account Number:XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX. I immediately disputed this information with FSTPROGRESS and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau po box 4503 Iowa City, Iowa 52244
12/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	NJ 07106	Web
1. FIRST PROGRESS CARD Account Number : XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX. I immediately disputed this information with FIRST PROGRESS CARD and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX BCC : Consumer Financial Protection Bureau po box 4503 Iowa City, Iowa 52244
11/21/2023	Yes	Debt collection Credit card debt	Electronic communications Frequent or repeated messages	GA 30318	Web	Servicemember
Notice to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/ given name XXXX XXXX XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX XXXX and autograph as the agent, attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, now present : Fact, The Fair Debt Collection Practices Act ( FDCPA ) ( 15 USC 1692 et seq. ), which became effective in March 1978, was designed to eliminate abusive, deceptive, and unfair debt collection practices. Fact, Affiant is aware and has proof that XXXX XXXX XXXX, is in violation of 15 usc 1692c. Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. XXXX XXXX XXXX did not receive any prior consent from me. Fact, Affiant is aware and has proof XXXX XXXX XXXX, is in violation of 15 usc 1692g. Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; Fact, Affiant is aware and has proof XXXX XXXX XXXX, is in violation of 15 usc 1692b. Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. Fact, Affiant is aware and has proof XXXX XXXX XXXX, is in violation of 15 usc 1692g. Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector. Fact, Affiant is aware and has proof XXXX XXXX XXXX, is in violation of 15 usc 1692d. A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. A negative account hurts my financial reputation. Fact, Affiant is aware and has proof XXXX XXXX XXXX, is in violation of 15 usc 1692 ( d ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 2 ) not state that such consumer owes any debt. Fact, Affiant is aware and has proof XXXX XXXX XXXX is in violation of 15 usc 1692 ( i ) ( a ) ( 2 ) ( a ). Any debt collector who brings any legal action on a debt against any consumer shall in the case of an action not described in paragraph ( 1 ), bring such action only in the judicial district or similar legal entity in which such consumer signed the contract sued upon. Fact, Affiant is aware and has proof XXXX XXXX XXXX, is in violation of 15 usc 1692 ( j ) ( a ). It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. Fact, Affiant is aware and has proof XXXX XXXX XXXX, is in violation of 15 usc 1692k. Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure. ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; or ( B ) in the case of a class action, ( i ) such amount for each named plaintiff as could be recovered under subparagraph ( A ), and ( ii ) such amount as the court may allow for all other class members, without regard to a minimum individual recovery, not to exceed the lesser of {$500000.00} or 1 per centum of the net worth of the debt collector.
12/06/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	AL 354XX	Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. XXXX XXXX XXXX & BAL. {$120.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
11/11/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	PA 19119	Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. XXXX. XXXX & {$540.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
07/14/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	VA 22150	Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph XXXX 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. FSTPROGRESS bal. {$0.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX Iowa XXXX
11/07/2020	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	GA 30314	Web
Collection company, XXXX XXXX XXXX XXXX XXXX ( " XXXX '' ), has engaged in bad faith practices in violation of the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ) ; and after knowingly withholding requested, material information, continues to attempt to collect upon a debt that ultimately is not owed ; and which is time-barred by the statute of limitations. The alleged debt at issue stems from a paid/settled credit card account with Columbus Bank & Trust, where XXXX is the Assignee of Columbus Bank & Trust 's erstwhile XXXX Credit Card accounts. On XXXX XXXX, XXXX, XXXX filed a complaint against me in XXXX in XXXX County Magistrate Court ( Civil Action Number XXXX ). However, I never was informed of the complaint at the time, nor did I have an opportunity to respond. Documentation recently obtained from the court file -- which XXXX intentionally withheld from me by way of XXXX 's attorneys -- reveals that they never served me. Instead, they served a XXXX male with a description of XXXX and XXXX pounds. I am XXXX and at the time was closer to a weight of XXXX pounds, as evidenced by the attached numerous exhibits and affidavits. Exhs. In addition, they allege to have served me at my apartment ( Apartment XXXX ) ; however, the attached exhibits and affidavits show that Apartment XXXX was an unmarked basement. Exhs. On XX/XX/XXXX, I attempted to obtain information about the debt directly from XXXX by contacting their attorneys, XXXX XXXX and XXXX ( Exh. ) ; however, in bad faith, XXXX 's attorneys refused to provide the information ( Exh. ). Specifically, orally and in writing, I requested : ( 1 ) a copy of the Complaint, ( 2 ) a copy of the Default Judgment, and ( 3 ) a copy of paperwork showing service. Exh. However, on XX/XX/XXXX, they only responded with a copy of the Default Judgment, and refused to provide the Complaint or the service paperwork, apparently trying to hide the details of both the alleged debt and of the alleged service from me. Exh. The fact that they provided a fraction of the information evidences their receipt of my request for all the documents that I requested including the service paperwork that they withheld. Because it took me an additional five months, until XX/XX/XXXX, to obtain the complaint and service paperwork from XXXX County Magistrate Court due to the COVID-19 pandemic and the courthouse archives being closed, XXXX XXXX refusal to be transparent and efforts to hide information from me has resulted in a significant delay in the timeline of my ability to re-open the default judgment and resolve this matter. On XX/XX/XXXX, XXXX County Magistrate Court Presiding Judge XXXX XXXX XXXX has instructed the Court Clerk to schedule a hearing for this matter, upon my motion to vacate the default judgment for lack of personal jurisdiction ( lack of service ). Exh. However, again, because of the COVID-19 pandemic, no hearing has yet been scheduled ; and it may take months to get a hearing. If not for XXXX XXXX unreasonable withholding of information in XX/XX/XXXX, which delayed my ability to file my motion until XXXX XXXX, the hearing could potentially have been scheduled or have occurred by now. Previously, before obtaining the alleged service paperwork, I attempted to settle this debt, despite not owing it, as a means to simply resolve this matter. However, XXXX refused to entertain a settlement offer for anything less than what they allege is due. It is not clear to me why XXXX would choose to spend dozens of hours and potentially thousands in attorney fees on such a small amount of money, especially when I have offered to settle. Now, eventually, when I get my hearing, it is likely that the default judgment will be reversed because of lack of service, which means all that time and money will have potentially been spent for nothing except job creation in the legal industry. It is unfair for XXXX to obtain judgments against people without their knowledge. It is further unfair for XXXX to withhold information from people who seek to obtain information about the alleged debt and about any alleged service regarding complaints concerning the alleged debt. It is further unfair, after not serving people and refusing to provide documents that show the lack of service, to continue to try to collect upon an alleged debt ; and therein to file offensive documents in court suggesting that half a foot in height and sixty pounds in weight are " paltry differences. '' Once the default judgment is reversed and the lack of service is noted by the court, then XXXX XXXX collection efforts will be revealed to have been time-barred, illegal collection efforts in violation of the relevant state statute of limitations and the FDCPA under federal law. Attached Exhibits : ( 1 ) XX/XX/XXXX request to XXXX for documents ( 2 ) XX/XX/XXXX XXXX letter omitting requested documents ( 3 ) Affidavit of XXXX XXXX ( 4 ) Affidavit of XXXX XXXX XXXX ( 5 ) Order to Set Hearing on Motion to Vacate Judgment ( 6 ) Motion to Vacate Judgment ( 7 ) XXXX XXXX Reply to Motion to Vacate Judgment ( 8 ) My Reply to XXXX 's Reply to Motion to Vacate Judgment
01/21/2020	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 33435	Web	Older American
My problem is regarding Force -Placed Flood Insurance. I am not very good at reading these escrow statements, but it appears my mortgagee, Synovus Bank acquired forced-placed insurance for my condo on XX/XX/XXXX without my knowledge, and now again in XX/XX/XXXX. My payment went up from {$1300.00} to XXXX. You can imagine what a financial blow this is for a XXXX-year-old retired senior getting {$1200.00} per month in Social Security. This increase in payment has put my condo at risk of foreclosure because I have no back up funds. On XX/XX/XXXX, I sent Synovus Bank a letter along with a copy of the insurance policy and emails from the Condominium Owners Associations ( COAs ) insurance company stating they had sent Synovus proof of insurance ( copies enclosed ). I also called Synovus several times, in XX/XX/XXXX, and told them I have insurance provided through my Condominium Owners Association and proof was on its way. This letter was sent several weeks ago, and they have not responded in any way. Synovus never properly informed me with a phone call or a signature-required letter. This is the only logical way to assure the condo owner can be made aware of any inquiries from the bank. The only way I found out about this problem was when I saw they raised the monthly payment from {$1300.00} to {$2000.00} per month. Although, I read a letter from Synovus seeking insurance information in XX/XX/XXXX, I never received any request for information in XX/XX/XXXX. Moreover, Synovus should have sought proof of insurance from the Condominium Owners Association. The COA is the insurance purchaser, as indicated by the Condominium Rider which is a legally binding part of the loan documents. Still, I sent Synovus a copy of the insurance in XXXX and then again in XX/XX/XXXX, though not required, as per the Condominium Rider below. I live in a Condominium Owners Association ( COA ) COA provides structure and flood insurance for its members. Synovus should reasonably have known I have flood insurance, as it is in a Condominium Rider that is part of the loan documents. - Section 1024.37 ( b ) - Under federal law, the servicer must reasonably believe that the borrower has failed to maintain insurance coverage on the home before purchasing a force-placed insurance policy. According to the Rider - Condominium Covenants ( Copy Enclosed ) my only obligation is to give Synovus notice if there is a lapse in the Master or Blanket policy. No such lapse has occurred during the period Synovus forced-placed insurance on my condo, or ever. Furthermore, as per the Rider Condominium Covenants Synovus is in non-conformance of the provisions of section 3 and section 5, as per Condominium Covenants below. The Rider Condominium Covenants states : So long as the Owners Association maintains, with a generally accepted insurance carrier, a " Master '' or " Blanket '' policy on the Condominium Project which is satisfactory to lender and which provides insurance coverage in the amounts ( including deductibles levels ) for the periods, and against loss of fire, hazards included within the term " extended coverage, '' and any other hazards, including but not limited to, earthquakes and floods, from which lender requires insurance, then ( i ) lender waives the provisions of section 3 for the periodic payment of yearly payment to lender of the yearly premium installments for property insurance on the property, and ( ii ) borrowers obligation under section 5 to maintain property insurance coverage on the property is deemed satisfied to the extent that required coverage is provided by the Owners Association policy. Borrower shall give lender prompt notice of any lapse in required property insurance coverage provided by the Master or Blanket policy. 1. Period of overlapping insurance coverage. Section 1024.37 ( g ) ( 2 ) requires a servicer to refund to a borrower all force-placed insurance premium charges and related fees paid by the borrower for any period of overlapping insurance coverage and remove from the borrower 's account all force-placed insurance charges and related fees for such period. A period of overlapping insurance coverage means the period of time during which the force-placed insurance purchased by a servicer and the hazard insurance purchased by a borrower were in effect at the same time. It appears banks are very quick to impose insurance on the poor homeowner and are just ripping off people as evidenced by the scores of class-action suits I saw online. If this was solely about protecting the banks investment, they would be more diligent in acquiring the information they need in order to prevent imposing insurance on the homeowner. For instance, a simple telephone call to the homeowner would do the job. But the truth is, this forced-placed insurance is about banks making horrendous amounts of money, in some cases with a 400 % to 500 % mark-up over average premium. I hope Consumer Protection Agency can help me with this as I truly face losing my condo. Copies of documents enclosed.
06/03/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	TX 78703	Web
I APPLIED FOR THE FIRST PROGRESS SECURED CREDIT CARD BACK IN XX/XX/2020 AND WAS APPROVED AFTER MY {$200.00} SECURITY DEPOSIT MADE AT APPLICATION WAS VERIFIED. ALMOST IMMEDIATELY I RECEIVED A STATEMENT FOR XXXX XXXX ATTACHED ) THAT REQUIRED I PAY THE ANNUAL FEE OF {$49.00} BY XX/XX/XXXX. ACCORDING TO THIS MAILING A CARD AND THE AGREEMENT TERMS WERE IN THE MAIL. HAVING NOT RECEIVED MY CARD BY LATE XXXX, I CALLED THE CUSTOMER SERVICE LINE WHERE I WAS TOLD I SHOULD RECEIVE MY CARD BY XXXX XXXX, AND THAT IT HAD INDEED BEEN MAILED. WHATEVER DATE I CALLED, I NOTED WAS EXACTLY 9 BUSINESS DAYS FROM WHENEVER THE AGENT I SPOKE WITH SAID THE CARD HAD BEEN MAILED. I NEVER RECEIVED THAT OR ANY CARD WELL INTO XXXX. ON OR AROUND THE SECOND WEEK IN XXXX, I RECEIVED THE PIN CODE FOR MY ABSENT FIRST CARD. I STILL HAD NOT RECEIVED MY PHYSICAL CARD AND THIS MAILER WITH THE PIN INDICATED IF I HADN'T RECEIVED IT TO CALL AND INFORM CUSTOMER SERVICE. I DID SO IMMEDIATELY. THEY MENTIONED THAT I HAD ALREADY BEEN ISSUED TWO CARDS, ( THE SECOND I NEVER REQUESTED ) BUT WOULD SEND A THIRD WHICH I WOULD RECEIVE IN 7-10 DAYS. I NEVER RECEIVED A CARD BY XX/XX/XXXX WHEN THE ANNUAL FEE OF {$49.00} WAS DUE. ON XX/XX/XXXX, I CALLED CUSTOMER SERVICE TO TELL THEM I WOULD NOT BE PAYING THE FEE BECAUSE I HAD NEVER RECEIVED A CARD FOR MY ACCOUNT AND TO DO SO WOULD BE UNCONSCIONABLE. THEY EXPLAINED TO ME THAT THIS WOULD VIOLATE THE CARDHOLDER AGREEMENT AND I WOULD BE REPORT3ED TO ALL 3 CREDIT BUREAUS. I KNEW THAT FORCING ME TO PAY THE FEE WAS ILLEGAL, AND INFORMED THEM THAT THIS TRANSACTION WAS NOT LEGAL AND THAT THEY WERE IN VIOLATION AND I WOULD FILE A COMPLAINT. I WAS PLACED ON HOLD FOR 5-10 MINUTES AND THE LADY CAME BACK ON THE LINE TO AFFIRM THE CORPORATE DECISION THAT I WOULD BE RESPONSIBLE FOR THIS FEE OR WOULD BE REPORTED TO ALL XXXX BUREAUS, AND TO TELL ME THAT AS A COURTESY THEY WOULDN'T CHARGE ME {$10.00} TO USE THEIR EXPEDITED PAY BY PHONE SERVICE. I PROTESTED THE USE OF THIS SERVICE AND CHARGING OF ANY FEES BECAUSE I STILL DID NOT HAVE ACCESS TO USE MY ACCOUNT NOR WAS I PROVIDED ALL OF THE INFORMATION TO USE THE CARD ELECTRONICALLY ( NOT THAT I WANTED TO ). I EXPLAINED TO THE CUSTOMER SERVICE REP THAT I WANTED MY ACCOUNT NOTED THAT I WAS BEING FORCED TO PAY THE FEE BY THREAT OF BEING REPORTED NEGATIVELY TO THE CREDIT BUREAUS, I HAD APPLIED FOR THE CARD SPECIFICALLY TO IMPROVE MY CREDIT SO THIS WAS NOT AN IDLE THREAT, THAT I WAS ONOY PAYING THE FEE AS A RESULT OF THE THREATS, AND I DEMANDED TO RECEIVE A CARD EXPEDITIOUSLY SO I C OULD ACCESS THE ACCOUNT I WAS BEING HELD HOSTAGE WITH AND CHARGED FOR. THE LADY OBLIGED AND READ THE NOTES BACK TO ME AND THEN REQUESTED MY ELECTRONIC ROUTING AND CHECKING ACCOUNT NUMBERS FOR MY PERSONAL BANK. THE CHARGE WAS MADE IMMEDIATELY AND POSTED EARLY A.M. XX/XX/XXXX. I HAVE STILL NOT RECEIVED CARD. CARD ISSUER, FIRST PROGRESS, IS IN VIOLATION OF FDIC REGULATION 6500 SUBSECTION 1026.52 LIMITATIONS ON FEES WHICH STATES : " EXCEPT AS PROVIDED IN ( A ) ( 2 ) OF THIS SECTION, THE TOTAL AMOUNT OF FEES A CONSUMER IS REQUIRED TO PAY WITH RESPECT TO A CREDIT CARD ACCOUNT UNDER AN OPEN-END ( NOT HOME-SECURED ) CONSUMER CREDIT PLAN DURING THE FIRST YEAR AFTER ACCOUNT OPENING MUST NOT EXCEED 25 PERCENT OF THE CREDIT LIMIT IN EFFECT WHEN THE ACCOUNT IS OPENED. FOR PURPOSES OF THIS PARAGRAPH, AN ACCOUNT IS CONSIDERED OPEN NO EARLIER THAN THE DATE ON WHICH THE ACCOUNT MAY FIRST BE USED BY THE CONSUME TO ENGAGE IN TRANSACTIONS. '' HERE THE CARD ISSUER HAS ILLEGALLY FORCED ME TO PAY A FEE OF {$49.00} DOLLARS, UNDER DURESS CAUSED BY A VALID THREAT TO MY FINANCIAL WELLBEING AND UNDER DIRECT PROTEST BEFORE AND DURING THE PAYMENT PROCESS, BEFORE THE ACCOUNT WAS OPENED UNDER THE TERMS OF THE REGULATION. SPECIFICALLY, THE ACCOUNT IS STILL NOT OPEN FOR PURPOSES OF FEE APPLICATION BECAUSE THE ISSUER STILL HAS NOT PROVIDED AN ACCOUNT THAT MAY BE USED BY THE CONSUMER TO ENGAGE IN TRANSACTIONS. ISSUING A CARD WHICH HAS NOT BEEN EFFECTIVELY DELIVERED DOES NOT CONSTITUTE " ABLE FOR USE BY THE CONSUMER TO ENGAGE IN TRANSACTIONS. '' EVEN IF A MERCHANT WERE TO ALLOW ME TO PROVIDE THE NUMBER PROVIDED ON MY STATEMENT, I STILL DO NOT HAVE ACCESS TO THE EXPIRATION DATE OF THE CARD, THE CID OF THE CARD, NOR HAVE I SIGNED THE CARD OR HAVE I BEEN FURNISHED THE ENTIRE CARDHOLDER AGREEMENT ( PART OF WHICH IS ONLY FURNISHED IN ACCOMPANYMENT WITH THE PHYSICAL CARD DELIVERY ). I FIND THESE CIRCUMSTANCES A TOTAL VIOLATION AND FEEL STRONG-ARMED INTO PAYING THE ANNUAL FEE. I FEEL VIOLATED GENERALLY AND EVEN THOUGH SUPPOSEDLY A FOURTH CARD WAS ISSUED XX/XX/XXXX, I HAVE STILL NOT RECEIVED A CARD OR ANY WAY TO ACCESS THESE FUNDS AS OF TODAYM XX/XX/2020. THIS MEANS THAT THEY HAVE BEEN HOLDING {$200.00} DOLLARS SINCE EARLY XXXX WHICH I AM NOT RECEIVING ANY INTEREST ON, FORCED ME BY THREAT TO PAY THE ANNUAL FEE, AN ADDITIONAL {$49.00} ON XX/XX/XXXX, AND HAVE STILL PROVIDED ME ABSOLOUTELY NO SERVICES AND NO CREDIT LINE AS PROMISED WHATSOEVER.
06/22/2018	Yes	Checking or savings account Checking account	Managing an account Funds not handled or disbursed as instructed	GA 30606	Web	Older American
Mom diagnosed with XXXX XXXX in XX/XX/XXXX. Dad XXXX from it in XX/XX/XXXX. I never married & cared for these 2 w XXXX for 16 years. Being single, they were my immediate family. Mom & I visited XXXX XXXX at XXXX XXXX XXXX Ga XXXX XXXXXXXX XXXX at least 30 times during Mom 's life. She had XXXX other daughter who had such a bad history with money that she was on a 5 year fXXXX XXXX for XXXX XXXX that ended around XX/XX/XXXX. Mom made me power of attorney, general financial & for healthcare, in XX/XX/XXXX, & she was mine. Sister owed XXXX to IRS in XX/XX/XXXX. She tried to extort XXXX from Mom in XX/XX/XXXX when Mom was briefly living with her. She then threw her out, giving us 3 days to find shelter for her. Therefore, Mom & I were in & out of the bank, updating XXXX, wanting sister, XXXX XXXX XXXX, and husband XXXX XXXX to not ever have access to any of her money. XXXX & XXXX XXXXXXXX XXXX said no problem, we were co-owners. They honored this, XXXX snowed a female bank officer at the XXXX XXXX XXXX branch, which allowed her to infiltrate our account. The day XXXX XXXX got off of her 5 year financial crimes XXXX, she went after our funds. In XX/XX/XXXX, she took Mom from XXXX XXXX to a lawyer & thought she got a new POA for finances, healthcare & new Will. However, I had 3 doctor 's notes stating that Mom was fully XXXX. Our actual family lawyer for 20 years, XXXX XXXX, stated that all those illegally obtained papers were invalid. Rushing to the bank when I learned of this after I had a flare up of XXXX XXXX & XXXX XXXX at XXXX XXXX XXXX, I took out a CD that was in both our name. The XXXX branch manager was on XXXX 's side & demanded I return the XXXX. I was holding the check for Mom 's court appointed attorney so XXXX could not get it. XXXX XXXX kept calling me, demanding I return the XXXX. I never received any notice of change of POA & it WAS ruled invalid by XXXX XXXX, court appointed guardian, in XX/XX/XXXX. He is XXXX Ga 's City Manager. I did come back into bank with the XXXX check with 3 doctor 's notes stating that Mom was fully XXXX with XXXX XXXX & XXXX. My sister kidnapped Mom from XXXXXXXX XXXX XXXXXXXX to an XXXX XXXX XXXXXXXX, XXXX. Mom did not thrive at XXXX. In 2 weeks she went from walking, talking, & eating regular food to bedridden, bedsores, nonverbal & only eating baby food. The only place available after Mom got out of hospital was XXXX XXXX XXXX XXXX in XXXX, where I finally found her. Sister would not tell me where she was. Her sitters would call me & say she was crying for me. I still had the valid POAs.XXXX transferred money from Mom & my account at XXXX XXXX to a new one that she created with the help of this XXXX branch manager. XXXX had not lived in XXXX for years. She did not know about Mom 's cat, for instance, who became very ill. vet expenses. Mom 's XXXX assisted living bill after XXXX threw her out. Ensure and adult diapers, special food, wipes, doctors ', respiratory, medical bills ... ..my money when Mom & I closed my checking account & combined ours. We explained nothing to XXXX & owed her no explanation. We knew her history. We paid for her kid 's books in college. Her financial criminal & life history is terrible. Yet she picked through all of our banking information, which must be illegal. This was allowed at XXXX XXXX. The saddest, most appalling incident was when Mom was on complete bedrest at XXXX XXXX with an open bedsore exposed her XXXX XXXXXXXX. In spite of this state on XXXX, XXXX & her husband XXXX XXXX literally picked Mom up out of bed and took her to the XXXX, Ga branch of XXXX XXXX to have my name taken off the account & XXXX XXXX XXXX XXXX 's on. Took most of XXXX and left our account with XXXX. Keep in mind that I had the valid financial & health POAs! I was there when they brought my Mother back, dressed in a hospital gown, soiled dressing on the bedsore and foley catheter not working. It makes me wonder if they abused her. She immediately stated the quotes that I wrote down. She was sobbing, telling me to hide my money, they were stealing ours! She was admitted to the hospital 2 days later. All 3 XXXX XXXX branches if you count the nosy XXXX branch manager, XXXX XXXX where we'd done business for many many years, & XXXX branch let us down. I went in constantly to get cask to pay Mom 's 24 hour a day sitters XXXX would help me get the proper amounts, usually XX/XX/XXXX at a time, with the proper bills. She never once saw my sister! She was not part of our lives & was to be forbidden to have anything to do with our money. Yet XXXX gave her full access! What is the rationale of obtaining the POAs, signed, as you can see, at the XXXX XXXX XXXX in XX/XX/XXXX, if they are just not going to honor it?! XXXX is using this information to try to help herself to all of Mom 's money in the estate settlement. It is only XXXX & I can not afford a lawyer. If anyone can help me, please contact me.
10/02/2022	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	GA 31909	Web
I had a checking account with synovus for 4 years never had any problems until XXXX of XXXX when my husband had his unemployment funds transferred to my account. The bank froze the account for 4 months starting on XX/XX/XXXX i never received anything from them telling me that my account was frozen or why or what i could do to help the matter nothing my bills started getting returned and i was unable to use my debit card even though the money was in there so i went to the branch and inquired but was told nothing literally nothing except that they didnt know what was going on for me to come back in a few days and there would probably be something in the file they could help me then i did return 3 times and still nothing the same day it was frozen i had a transfer that was supposed to go through for XXXX XXXX dollars from my husbands bank account that was obviously declined according to emails recieved from synovus but no explanation as to why so i inquired with the bank about it and was told i would have to wait until my account issues were straightened for any help or andwers so this went on until XX/XX/XXXX when i finally recieved a letter telling me that my account was being closed and i would received a check for the remaining funds in the account and that was it. I got a check for {$10.00} a week later but my account had more than XXXX XXXX in it when it was frozen so i looked at the app which i could access and saw that they had sent all the unemployment deposits back leaving the {$10.00} balance even though nobody had ever said anything to me or my husband about it. I was able to recover that money thankfully well my husband was but the XXXXXXXX XXXX transfer was not returned so i went to the bank and was repeatedly told nothing or that the transfer did not exist even though i provided emails from synovus with tracking number ( i was told they could not use that to locate the deposit ) and the bank statements from my husbands bank showing the transfer to synovus with the account number ( matching mine ) that it was transferred to. Finally in XXXX of XXXX a branch manager accused me of trying to defraud them saying the transfer did not exist and that the emails were fake i was more than upset obviously but i continued to try and get answers i have now visited every branch locally more than once and exhausted all my options i have never had anything like this happen and do not know what to do i thought i could trust my bank with my money i was raised to believe that and now i will not put even a XXXX in the bank unless i am immediately using it to pay for something not only has the action of the bank shocked me but the treatment ive recieved trying to get answers has as well the manager accusing me of fraud said all she could do for me was provide me with my bank statements for the year of XXXX so i said please i would appreciate it and upon reviewing them i noticed that in fact theres no record of the transaction at all but i also noticed that in XX/XX/XXXX almost a whole month after my account was put in frozen status a withdrawal was made by synovus from my husbands account for XXXX dollars which shocked me since i was unable to use the account for anything and my bill payments were even being returned and it was not listed on my statement but again only on my husbands bank statements showing it went to synovus and the account number that matches my account so why was this able to go through and why since i did not do it? I have again tried to get answers with no luck synovus has not only changed my entire opinion about trusting the banking system thanks to this awful experience but has stolen {$11000.00} from me and then accused me of deceit and theft among other things and they have done all this during a pandemic i have XXXX children to take cAre of and my husband was out of work and yet they have taken the little help we were able to get and never attempted to explain what i did wrong to have my account frozen or closed and i cant even get another bank account due to whatever was wrote from them Im assuming since ive never had a problem before this and i have not done anything to warrant being unable to find someone willing to give me a bank account im just clueless shocked and do not understand. I mean where do u go for help when your bank steals and lies to you? What do i tell the companies i owe money to for my bills? Please help me get my money back and hold them accountable so this doesnt happen to anyone else thanks!
11/07/2017	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	CA 93420	Web	Older American, Servicemember
Starting at the beginning, Synovus Bank must make the balance due on my credit card account XXXX on an immediate basis. On XXXX XXXX XXXX I wrote a letter ( mailed next day by XXXX priority mail ) to Synovus Bank requesting that the Bank make the balance due on my credit card account XXXX. This was effective with the promptly enclosed payment of XXXX}. I explained that the bill dated XXXX/XXXX/XXXX was in error as follows : 1 ) late payment fee of XXXX ; and 2 ) interest charge purchase of XXXX}. I explained the reason was because I did not make my payment late, the evidence being that I have never made a late payment. Additionally, I requested that the Bank close my credit card account effective immediately. Next, on XXXX XXXX XXXX I wrote another letter ( mailed same day by USPS priority mail ) repeating the request that the Bank make the balance due on my credit card account zero. I had heard nothing from the Bank. I explained that the latest bill dated XXXX/XXXX/XXXX continued to be in error as follows : 1 ) per my previous letter, the late payment fee was a mistake ( still totaling XXXX ) ; and 2 ) per my previous letter, the interest charge purchase was a mistake ( now totaling XXXX} XXXX. Additionally, I explained that I did not authorize a newly posted XXXX XXXX Membership transaction ( XXXX ), because I did not take the XXXX XXXX XXXX and I had closed the credit card account. Next, on XXXX XXXX XXXX I wrote another letter ( mailed same day postage prepaid by the Bank ) responding to the Banks letter dated XXXX/XXXX/XXXX. The Bank requested information about the XXXX XXXX Membership fraudulent transaction. I explained that I had never authorized the Membership, and, anyway, I had closed the credit card account. Next, on XXXX XXXX XXXX, I wrote another letter ( mailed same day by USPS priority mail ), requesting the Bank to cease and desist from sending me any future bills. This included the latest statement dated XXXX/XXXX/XXXX and the past due warning dated XXXX/XXXX/XXXX. By now, the late payment fee amounted to XXXX. The interest charge purchase amounted to XXXX. And I was still being charged XXXX for the fraudulent transaction. I notified that Bank that I was having pain and suffering as a result of its actions. I reminded the Bank that the matter was in dispute. Next, on XXXX XXXX XXXX I wrote another letter ( mailed next day by USPS priority mail ) repeating the request that the Bank make the balance due on my credit card account XXXX. I had heard from the Bank about the fraudulent transaction. In a letter dated XXXX/XXXX/XXXX, the Bank had notified me of suspected fraud in connection with the Membership and had determined I was not liable for any charge arising from the transaction. I explained that the Banks bills ( including the latest dated XXXX/XXXX/XXXX ) continued to be mistaken. This was because, as enumerated in my letters of XXXX, XXXX, and XXXX, the late payment fees ( now totaling {XXXX} ) and interest charge purchases ( now totaling XXXX ) continued to be in error. Additionally, I explained that, despite the Banks XXXX/XXXX/XXXX letter agreeing with the fraudulence of the transaction, I was continuing to be charged XXXX for the fraudulent transaction. Today, on XXXX XXXX XXXX I am writing another letter ( to be mailed by USPS priority mail ) re-repeating the request that the Bank make the balance due on my credit card account zero. I am reminding the Bank that the Banks bills ( including the latest statement dated XXXX/XXXX/XXXX and the past due warning dated XXXX/XXXX/XXXX ) continue to be mistaken. This is because, as enumerated in my letters of XXXX, XXXX, XXXX, and, lately, XXXX, the late payment fees ( now totaling {XXXX ) and interest charge purchases ( now totaling XXXX ) continue to be in error. Additionally, I am reminding the Bank that, despite the Banks XXXX/XXXX/XXXX letter agreeing with the fraudulence of the transaction, I am continuing to be charged XXXX for the fraudulent transaction. Furthermore, I am re-requesting the Bank to cease and desist from sending me any future bills. I am re-notifying the Bank that I am having pain and suffering as a result of its actions. I am re-reminding the Bank that this matter is in dispute. In conclusion, to cease and desist from its negligent actions, to avoid liability for my pain and suffering, and to honor the dispute, the Bank needs to make the balance due on my credit card account XXXX on an immediate basis.
09/12/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CO 80220	Web	Servicemember
The purpose of this letter is concerning an adverse credit report. This issue raises an extraordinary interest that compels me to direct to your attention immediately. The absence of any articulated response suggests a holding principle not to remedy the issue. Any silence only rubber-stamps the issue and deeply supports the principle of your established business. When there is a failure it moves a customer to think differently. This issue raises an extraordinary interest that compels me to direct your attention immediately. There is an acknowledged constitutional right to be recognized and make an argument. I realize that no organization is error-free however, it is expected that employees render a level of professionalism that reflects the organization or business goal.. It is a moral order in our society that has been established by business owners and that is to take care of their customers. When there is a failure it moves a customer to think differently. The right to be recognized is part of the fundamental principles of the constitution. On the other hand there is a general right that will clearly show a customers concerns. As with any public servant quality services are expected and vital. There is no valued and deeply cherished right than to be employed and provide that level of service. However, in some instances an employee or company can abuse their position of authority. It must be said on the onset of this statement and with clarity that is exactly what has happen with Synovus XXXX XXXX, XXXX XXXX XXXX, XXXX, GA XXXX. The real danger of this issue is the lies and the troubling aspects that are in the implication of discretionary power that could have been prevented. Is seems as if they imposed created rule spokes with authority and a right that a principle could be established for a rational basis but when it rises to a level of a fundamental intention to damage a customer credit rating. Bank submitted two adverse thirty ( 30 ) day delinquent reports against my credit score. The fraudulent business transaction practices that governs their claim was due to lack of a correct address. This issue could have been avoided had they contacted XXXX of for any additional information. XXXX representative was informed by via email of my concern about the payments and stated he would investigate but never replied afterwards. I contacted the bank due to the fact of not receiving an invoice. During my conversation they openly admitted that they had incorrect data pertaining to my mailing address and all correspondences had been returned. Accordingly, four months lapsed that they grossly failed in their unprofessionalism in the obtaining the correct mailing address. The bank specifically stated that the financial documents would be mailed during the conversation. Their supreme disservice continued. I was alerted to an adverse credit report alert less than a week after my conversation with them concerning the documents. The failure and unwillingness to face reality or accept the facts is a part and parcel of the problem. From the onset, XXXX had provided the revenant information that establish the line of credit that they accepted. The validation was excurted by means of my signature that showed a compelling interest in establishing a good faith effort to repay any debtors. To date, my line of credit has been flawless with an excellent credit score rating. I was recommended to XXXX by means of the brotherhood of veterans being that I am veteran and the surrounding area are retirement areas. The representative a veteran whom I relied upon as an employee exchanged various emails, telephone calls, and faxed documents to finalize the transaction failed to complete the project. I discovered that short cuts had been implemented that lead to addition damages to the structural dwelling. Therefore, the company had to return to correct the flaws. Upon my walk through to ensure customer satisfaction other elements of workmanship was discovered. Due to the discoveries was management officials was notified of the issues. Management officials was unable to answer numerous official legal questions. They base the lack of response on the basis of the absences of legal counselors onset. I was assured they would cooperate in good faith should any issues arose to that level of dissatisfaction. The bank and company has shown a compelling interest in rendering an adverse credit report not an exercise.
02/10/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	GA 30060	Web
Let me first say that I spoke with The collection agency, and I was very displeased with the outcome of what was discussed. It is truly very unethical to continue to pursue an amount after the information I have and I feel I should have not been Liable for the amount of {$120.00}. Collection Company : XXXX WebSite : https : //XXXX Debt Collector : XXXX XXXX : Pay {$95.00} in 1 month No real details were ever provided to me about how the charges on my credit report ended up becoming a debt collection. ( Very unprofessional in my opinion ) I never received any formal notice about this debt from the bank. Without giving my personal information I will explain what I told the collection agency. I became aware of the negative mark against my credit report for the first time on XX/XX/XXXX and I contacted the collection agency XXXX. This is my first mark on my credit report. I have a XXXX Fico score. I was told that the debt originated from Synovous. I was told that my Ssn and my name where used to create an account on XXXX, I asked for details of this and was informed of an Address tied to the account, at first the address did not register to me during the first call so I stated it was not associated with me. Also I was told to go ahead and contact the financial institution where the claim originated to see if by chance the amount could be striken and cleared before the collection process began. She is a debt collector working for a collections agency, why would she suggest this false option knowing that once a bank closes an account it is then left up to her agency to obtain a resolution. Again I would like to point out that ( no details of any real information was provided except an address of an XXXX XXXX XXXX ) located in XXXX county GA, my Ssn and my name. The address was that of a jail in which I was previously XXXX at for a long period of time. I These are important details that I need for my records. This is a claim from 4 Years ago. There needs to be some sort of detailed information report provided to me so I can substantiate this claim for myself. My credit status is very important to me regarding this. I proceeded to call the bank. I was told that since the account was closed nothing could be done on their end but that the collection should be nulled by providing the circumstances I told the bank. I asked for information from the bank and nothing was provided. I call XXXX back and got back in touch with representative XXXX to continue the collection. I informed her that the reason I was unable to pay the balance was due to me being XXXX for at least a period of 6 months with no form of assistance. The same year I suffered a very hard loss in my family. My mother XXXX from XXXX one month prior to my incarceration. I informed XXXX that I had no means to pay. I was in Jail, I was young and I did not understand the importance of a negative balance and how it could affect me in the future. These are details I shared with her because I felt that she wanted to help me by avoiding a payment. After I was finished talking She informed me the best she could do was to lower the {$120.00} down to {$95.00} but I was only going to be given one month to provide the money. I felt I could not argue any further and accepted the offer. She gave me her information, Told me that when I had the payment ready I could contact her to settle this. I was only being allowed one month. The conversation ended. My complaint : I was over charged for a good or service or I over drafted my account is what happened to my best knowledge. ( No information for me to confirm ) so I really don't know. I was in a XXXX XXXX and did not have assitance. I had no means of contacting my bank. No means to inform them of my situation. The very least I expected was to have most if not all of the amount due stricken because circumstance in this situation matters. If I was aware and able the amount would have never been able to reach that high. This is completely my fault I was the one who committed a crime and XXXX. For your company to seek payment for almost 4 years. This is a shame and in the worst way wrong. The reason I am taking this action is because I feel I have been taken advantage of and treated unfairly by the collection agency. If I had been informed of this and able to reach out to the bank, I would have told them the circumstances and I'm almost certain XXXX XXXX XXXXXXXX XXXX would have not persued this. Thanks
09/24/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Account status incorrect	FL 32792	Web
I filed a complaint with the XXXX due to a inconsistency with my credit report see text " First Progress added a collection account to my credit without notifying me via my consumer rights. I pulled a copy of my credit report on XX/XX/XXXX and to my horror I saw I was being reported to collections by First Progress. I immediately contacted them on XX/XX/XXXX and they noticed the error and apologized telling me I had to pay {$55.00} dollars to remove the error since they closed my card with a balance owing. As I tried to get to the bottom of the issue it became increasingly clear that First progress did not have my current address or telephone number and had not made any attempt to contact me. Which would have prevented this from happening. Furthermore I find that it was extremely unprofessional the manner this was handled as their negligence has compromised my ability to qualify for future credit opportunities as lenders are citing the delinquency as the main reason to deny me. '' First Progress responded stating that they would resolve the issue, see text : '' We are in receipt of your correspondence on behalf of XXXX XXXX. We remain committed to maintaining a high level of customer satisfaction and appreciate the opportunity to assist. Mr. XXXX is correct that in XX/XX/XXXX he made a payment on his First Progress account that had been previously closed with a balance owed. This payment in the amount of {$55.00} created a credit balance in the amount of {$27.00} that was still on the account when we received this complaint. Upon receipt of this complaint, we issued a check in the amount of {$27.00} on XX/XX/XXXX to the address we have on file, as well as the address found within this complaint, XXXX XXXX XXXX XXXX. XXXX . XXXX XXXX XXXX, FL. As a goodwill adjustment, we have removed the delinquency from our records and requested that the credit bureaus remove it from their files. '' I REPLIED : I am not disputing the validity of the trade-line, however I am disputing the inconsistency and accuracy of the data being reported. First Progress stated they are only removing " a delinquency '' from my report which is the charge off. In this resolution first progress is not addressing all the months my card was being reported negatively due lack of communication and reporting ; this can be seen with the incorrect balance which I encountered with rep over the phone, who told me one thing and as cited in first progress 's response what i owed was incorrect. As displayed on my Equifax report I opened my cc in XX/XX/XXXX, yet first progress has no data reported for the remaining XXXX, and not until XXXX. How is this correct? On this basis alone I am requesting first progress remove all delinquency from my credit report as they did not do their job reporting the correct data which is a violation of my consumer rights nor providing me an opportunity to make my payments on time. If this request is denied by first progress, i need proof of each late payments reported on my credit as evidence that they were correct in they reporting. If not I will continue to progress the matter to the Consumer Financial Protection Bureau ; where I will file a complaint there due to the injustice I am experiencing and from there if not resolved i plan to pursue legal damages using my credit denial letters that have cited the delinquency with First progress as means to deny me new credit. THEY RESPONDED : We are in receipt of your rebuttal correspondence on behalf of XXXX XXXX. We remain committed to maintaining a high level of customer satisfaction and appreciate the opportunity to assist. We have checked to confirm that all delinquent payments previously reported on his account with us have been re-aged as a courtesy in line with Mr. XXXX 's request. We have also reported updated account information to the credit bureaus to remove the historical delinquencies. There may have been a timing issue in relation to our initial attempt to resolve this matter and the information Mr. XXXX viewed showing the delinquencies remaining. It is XX/XX/XXXX and First progress has not resolved the issue correctly as you will see in the attached credit reports, my account is still showing negative and I am still being reported adversely to the bureau. This further shows how mis-leading First Progress has been in this entire issue, always telling me one thing and never doing exactly what they say.
07/13/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 33169	Web
YOUR COMPLAINT I, Your Name ( XXXX : XXXX ) a natural human, consumer hereby am notifying you SYNOVUS BANK that I realized the coupon attached to my statement was indeed a form of payment. I looked up the correct definition of a Coupon pursuant to The XXXX XXXX XXXX XXXX coupon is a written contract for the payment of a definite sum of money on a given day, and being drawn and executed in a form and mode for the purpose, that they may be separated from the bonds and other instruments to which they are usually attached Please be advised that I received your statements and coupons from Account of SYNOVUS BANK ACCOUNT XXXX in the amount of {$430.00}. I accept your offer and I am returning your coupon as Tender of Payment pursuant to 3-603 ( a ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract. ( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an endorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. ( c ) If tender of payment of an amount due on an instrument is made to a person entitled to enforce the instrument, the obligation of the obligor to pay interest after the due date on the amount tendered is discharged. If presentment is required with respect to an instrument and the obligor is able and ready to pay on the due date at every place of payment stated in the instrument, the obligor is deemed to have made tender of payment on the due date to the person entitled to enforce the instrument. Bond coupon Part of bond which is cut and surrendered for payment of one of the successive payments of interest Coupon bonds Bonds to which are attached coupons for the several successive installments of interest to maturity. Benwell v. Newark, 55 N.J.Eq. 260, 36 A. 668 ; Tennessee Bond Case, 114 U.S. 663, 5 S.Ct. 974, 29 L.Ed. 281. Coupon notes Promissory notes with coupons attached, the coupons being notes for interest written at the bottom of the principal note, and designed to be cut off severally and presented for payment as they mature. Williams v. Moody, 93 Ga. 8, 22 S. E. 30. Pursuant to Instrument A negotiable instrument ( defined in U.C.C. 3-104 ), or a security ( defined in U.C.C. 8-102 ) or any other writing which evidences a right to payment of money and is not itself a security agreement or a lease and is of a type which is in ordinary course of business transferred by delivery with any necessary indorsement or assignment, U.C.C. 9- AFQR255 105 ( 1 ) Pursuant to UCC3-603 TENDER OF PAYMENT. ( a ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract. ( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an endorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. ( c ) If tender of payment of an amount due on an instrument is made to a person entitled to enforce the instrument, the obligation of the obligor to pay interest after the due date on the amount tendered is discharged. If presentment is required with respect to an instrument and the obligor is able and ready to pay on the due date at every place of payment stated in the instrument, the obligor is deemed to have made tender of payment on the due date to the person entitled to enforce the instrument. Pursuant to UCC1-308 Performance or Acceptance Under Reservation of Rights. ( a ) A party that with explicit reservation of rights performs or promises performance or assents to performance in a manner demanded or offered by the other party does not thereby prejudice the rights reserved. Such words as " without prejudice, '' " under protest, '' or the like are sufficient.
05/14/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	GA 30165	Web
Synovus Credit Card Fraudulent Report XXXX XXXX Credit Card for XXXX XX/XX/22 I Received my small business credit card statement and noticed fraudulent charges. I immediately called Synovus and reported my card compromised. Card was still in my possession, but the information had been stolen. Spoke with XXXX. XX/XX/22 Received a call from XXXX from XXXX XXXX ID. She left a voice mail that was barely audible. Left no call back number. XX/XX/22 I Called Synovus XXXX XXXX Credit Card department. Was on hold for XXXX and transferred XXXX times before speaking with someone about the voice mail left by XXXX. Was informed by this individual that the charges ( approx. {$1300.00} ) to XXXX, reported as fraud, were being recharged to my credit card. XXXX had contested the fraud charges therefore Synovus was placing them back on my credit card. I spoke with this individual for over ten minutes, and she could give me no reason as to why they were being recharged other than XXXX had documentation that you, XXXX XXXX, did order these items. When asked what documentation XXXX had, I was told that she could not tell me. She was unable to tell me where the items were shipped, and by what email they were ordered. At one point she asked me why I did not return the product. I explained to her that it is very hard to return product that you did not order nor was delivered to you. After ten minutes, she told me that she would request that someone from the Fraud Department call me. I asked her when they would call, and she told me she had no idea. XX/XX/22 I Called XXXX, Branch XXXX of the XXXX, GA Synovus, and explained the situation to her. She said she would forward my complaint to the Fraud Department, and they would be in touch. XX/XX/22 XXXX texted me to see if I had heard from the Fraud Department. I responded with no. XX/XX/22 XXXX with Synovus Fraud Department left a voice mail stating the call was in reference to my claim of fraud on this credit card. XX/XX/22 I called Synovus Fraud Department and again spoke with XXXX. He informed me that the fraudulent charges had not been charged back to my credit card. XX/XX/22 XXXX with Synovus Fraud Department called to tell me that XXXX was incorrect when he told me the charges had not been recharged to my credit card account. Synovus had indeed recharged these fraudulent charges back to my XXXX credit card. Once again, I explained to her my argument : When I received my statement and saw charges not placed my me, I immediately called Synovus and reported the card compromised. The card was still in my possession therefore I was not aware of the fraud until I received my statement. XXXX charges were made to XXXX within a two-week period totaling {$1300.00}. XXXX charges to XXXX were for exactly {$100.00} and XXXX other charges to XXXX were for exactly {$100.00}. Most individuals would recognize this kind of activity as fraud. There were XXXX other fraudulent charges ( not to XXXX ) totaling {$950.00} that were not being contested by those retailers. XXXX was the only retailer contesting the fraud. If Synovus would look at my charging history for this small business credit card, they would see that I have never charged similar transactions such as these. I asked, once again, where these items were shipped. XXXX told me she was not able to give me that information. I explained that I had only XXXX addresses, XXXX personal and XXXX corporate. At my personal address I have XXXX video and there is no record of these deliveries in question. At my corporate address, the deliveries would have been received by me or one of my employees during business hours. There is no record of receiving these deliveries at that address either. XXXX repeatedly stated that XXXX had documentation to prove I ordered these items, but she could not tell me what that documentation was. At this point, after I realized I was not making any progress with Synovus, I informed her that I would be filing a formal complaint with the Consumer Federal Protection Bureau. XX/XX/22 I submitted a formal complaint with the Consumer Federal Protection Bureau.
06/27/2021	Yes	Mortgage FHA mortgage	Applying for a mortgage or refinancing an existing mortgage	GA 30101	Web
I was reluctant to think this, but it felt as though we were being discriminated against because we were two XXXX women that were attempting to purchase a home together as partners. On XX/XX/XXXX, I reached out to XXXX XXXX, a mortgage loan originator with Synovus Bank, and left a voicemail for her to contact me back regarding reinitiating a mortgage loan application. Within half an hour after leaving a voicemail, XXXX XXXX, XXXX 's " partner '' as she described herself contacted me back. I briefed her on my plans for purchasing a home and the need to do so by XXXX of XXXX at the latest. After providing personal information to XXXX about myself and my co-applicant ( which I introduced to XXXX and XXXX as my partner at the time ) she quickly requested to do a credit check to which she reported that my co-applicant needed to increase credit score. XXXX promised to send a copy of both our credit reports via email that same evening to which she did on XX/XX/XXXX at XXXX XXXX and copied XXXX XXXX, with instructions on how to increase credit scores and how to provide proof of increases to Synovus Bank at her attention. XXXX also said she would provide an XXXX worksheet with approximate pre-approval information/breakdowns since my co-applicant and I knew the home we were trying to purchase ; she never sent the worksheets. I requested the fax number to send proof documents on XX/XX/XXXX at XXXX am via email and sent another follow-up email on XX/XX/XXXX at XXXX XXXX since I did not receive a response from XXXX XXXX or XXXX XXXX. A couple of minutes after my follow-up email, XXXX responded via email on XX/XX/XXXX but did not provide the XXXX worksheets. I sent an email on the morning of XX/XX/XXXX requesting the XXXX worksheets so we could properly come up with a game plan. I also requested that XXXX and XXXX be transparent with us regarding our likelihood of being preapproved so that we could know exactly where we stand and what we need to do since we were on a time constraint with our current living situation. XXXX simply responded later that afternoon that my co-applicant 's scores are " a little low '' and she will " get with XXXX '' and they will provide an update. From the beginning to the end NO ONE ever explicitly expressed that we would not be approved. XXXX finally reached out via email at XXXX pm on XX/XX/XXXX claiming she " lost her XXXX and XXXX, and needed to get it reinstalled '' and a bunch of other reasons as to why she was providing the XXXX FHA purchase estimate worksheet 6 days after she initially promised. She recommended that we continue with XXXX ' 100 % financing option and mocked it up for a community in a predominately XXXX area that we never advised we were interested in. XXXX had already suggested we look into the community back in XXXX when my co-applicant and I initially reach out to her regarding approval for a community in a predominately white area. After my co-applicant made the recommended payments XXXX and I were going back and forth via email regarding a home we were interested in to which we were advised the specific ( median income required ) areas we need to look into to be approved for 100 % financing. After running our credit twice, XXXX advised via email on XX/XX/XXXX that she will request another credit agency rescore and will reach out as soon as she gets an update. We sent an email on XX/XX/XXXX requesting an update and never heard from XXXX nor XXXX ever since. Our credit was run so many times that we suffered at least a 10 point decrease due to the number of hard inquiries. To this day, we have NOT heard from XXXX nor XXXX and it is VERY clear they couldn't care any less if we were homeless considering we requested total transparency with this process from the beginning but failed to receive it. It was absolute poor customer service from the beginning once XXXX and XXXX determined that we were not worthy candidates since the market was booming the past few months after the onset of the global pandemic. We felt slighted, underserviced, discriminated against, neglected, and just plain disappointed.
04/20/2021	Yes	Mortgage Home equity loan or line of credit (HELOC)	Trouble during payment process	GA 30030	Web
We closed on our current home in XX/XX/XXXX. In order to avoid a jumbo loan, we have a principle mortgage ( with a 3rd party lender ), as well as a HELOC mortgage with Synovus Bank of XXXX, GA. This complaint regards my dealings with Synovus Bank since XXXX of last year, as I have attempted to pay my HELOC. Right before we closed on our mortgage, we were offered {$500.00} to open an account with Synovus, which we declined because we already had a bank account and did not want to confuse things. On XX/XX/XXXX, I submitted a payment in the amount of {$200.00} via XXXX Bank ( my bank ) to Synovus via electronic bill pay. Synovus for some reason is unable to receive electronic transfers of money, so XXXX let me know that it would have to cut a check ( as it had done before ) and mail it to Synovus. On or about XX/XX/XXXX, I received correspondence from Synovus that I was behind on my payment. I called customer service and learned that they had not received my payment. I called XXXX and learned that my payment had never cleared. So, I immediately stopped payment on that check and paid Synovus bank through XXXX 's online bill pay {$400.00} on XX/XX/XXXX to make up for the missed payment in XXXX. At this time I also requested that the bank retract any comments it had made to credit reporting agencies, which they did. On XX/XX/XXXX, I submitted a payment of {$370.00} to Synovus Bank through XXXX Bank 's automatic bill pay. Since XXXX I had made an effort to pay Synovus in the middle of the month ( although the check was not due until the 1st ) to give it time to clear. On or about XX/XX/XXXX, I received correspondence from Synovus that I was behind on my payment. I called customer service and learned that they had not received my payment. I called XXXX and learned that my payment had never cleared. So, I immediately stopped payment on this second check and paid Synovus bank {$750.00} on XX/XX/XXXX to make up for the missed XXXX payment. I made the payment on XX/XX/XXXX in person at the XXXX XXXX of Synovus Bank located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX. When my XXXX check had failed to arrive to Synovus, their customer service representative had told me on the phone that it would be preferred for me to go into a bank branch to pay my mortgage, even though we were in the middle of a pandemic. On XX/XX/XXXX, I made a {$380.00} payment via check ( # XXXX ) through the XXXX branch of Synovus bank, and this check cleared through XXXX bank on XX/XX/XXXX. However, on XX/XX/XXXX, I received a notice that my HELOC account was again in arrears. I wrote back to the customer service representative XXXX XXXX that I had paid my HELOC on time and attached images of the cleared check for her information. On the next day, the customer service representative stated that she would endeavor to look for our money. In the meantime, she suggested that we set up an autodraw on our account for the HELOC. I emailed her at the end of that week for a status update, but heard nothing back. On Monday, XX/XX/XXXX, she emailed me back that she found the check and had applied it to our account. I asked her how this had happened, and she had no information, but suggested that I could call the XXXX branch and inquire. At this point, I am concerned about Synovus ' internal processes and their ability to responsibly handle other people 's money. I work in a sensitive job for which I need a security clearance and any problems with my credit could be detrimental to my ability to maintain my employment. In addition, we could be in jeopardy of losing our home or having it foreclosed by Synovus if I were not very vigilant about this account. I am worried about authorizing an autodraw to Synovus given their poor history of handling my payments in the past. I also feel like this behavior is potentially retaliatory against our family for failing to have opened an account with them when we applied for our HELOC. This seems like a coercive business practice and I am concerned about Synovus ' ability to function in a trustworthy manner for other members of the public.
12/28/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	PA 19114	Web	Servicemember
Regarding Acct # XXXX XXXX XXXX XXXX Background : XX/XX/2020 I placed an order with XXXX on my First Progress ( Platinum ) for a total of {$140.00}. I cancelled the order with XXXX the same day - Order # XXXX. I received a confirmation of cancellation from XXXX. XXXX doesnt charge your credit card until the item ships. A hold is placed on the funds. I cancelled before product shipped. I called First Progress on the XX/XX/2020 because another purchase was denied. Thats when I learned my XXXX funds hold from XX/XX/2020 was still there. I was told by the Customer Service Rep ( CSR ) that the hold would release within 15 business days unless XXXX contacted them and requested a funds release. Somehow that call was disconnected. I called back and another CSR advised me that XXXX would need to submit two letters, one for each transaction as the {$140.00} was two purchased total. - I contacted XXXX and asked for the requirements from First Progress. XXXX said the only thing they provide is a standard cancellation letter emailed to me and not to First Progress. I called First Progress ( FP ) with response from XXXX. FP CSR said not acceptable. So I just decided to wait until the 15 business days for the hold to drop. During this call I also spoke to a Supervisor trying to get funds released sooner. Supervisor was nice so I asked about a temporary credit limit so I can rent a vehicle because my {$200.00} credit limit wasnt sufficient. He said I wasnt eligible yet, but if I sneed to have extra money for a purchase I could send in an overpayment which would leave a credit in my account so I can make the purchase when needed. He also stated if the credit isnt used within 30 days FP would send to me within a check. So on XX/XX/2020 I sent in {$200.00} on the account noted above and {$100.00} on account XXXX XXXX XXXX XXXX. On another call a CSR said I would need to spend the available amount on my card and then they will apply the credit balance to my account because my balance cant exceed {$200.00}. Totally different than what the Supervisor advised. After the 15 TAT - I still did not receive the funds to my card from XXXX order. I called back FP back after XX/XX/2020 and demanded to speak to a Supervisor. After persistently requesting a Supervisor, finally Supervisor XXXX took my call. He refused to provide his last name and he was very rude, condescending, and unprofessional. He said FP was going to hold my money for 30 days even though I explained the XXXX order was cancelled and I have a cancellation email from the merchant. Why hold my money for a canceled order that is named claimed by the merchant for 30 days? They want XXXX ( the merchant ) to send a written letter for each transaction with the amount separately and fax it to them, THEN they will release the funds back to my card. XXXX said no. FP won't accept my cancellation confirmation letter. Plus XXXX said I can't use the credit of {$200.00} on my card that for some reason went to {$170.00} but he will return it to me in a check in two weeks. Like what? I wasn't told that before. XXXX, to my disappointment, continued to say he will not apply the my credit to my available balance for my use regardless if I spend available balance. Not to mention this " Supervisor '' was beyond rude, unprofessional, condescending, nasty, and just beyond words. NO EXCUSE FOR EXTREME UNPROFESSIONALISM. They can care less if they have my business or not. I mentioned canceling this secured credit card and was told my deposit wouldnt be refunded for up to 10 weeks ( {$200.00} ). Then XXXX said I wouldnt get the mail while {$200.00}. Like why? That was my deposit. XXXX also said he would send the {$200.00} credit back to me by check. The funds are still on my account. He has done nothing. Exact statement- If you want to cancel, then cancel. If you cancel - there is a 10 week waiting period before you get the deposit money back. Oh yeah XXXX said because they have a hold on funds I cant pay the bill or have credit applied. Feel free to call me for further details.
12/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30045	Web
AS YOU ARE AWARE YOU COMPANY HAS ENGAGED IN EXCESSIVE MORTGAGE FRAUD. THE PROPERTY LOCATED AT XXXX XXXX XXXX XXXX WAS PURCHASED BY THE XXXX XXXX XXXX XXXX XXXX XXXX XXXX. THE HOME LISTED AVAILABLE FOR SALE. GIVEN YOUR HISTROY XXXX XXXX XXXX, TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND MORE XXXX ARE COMPLETELY AWARE OF THE STRAWBUYING WHICH XXXX PLACE WITH THIS HOME. YOU ALSO HAD A PREXISITNG RELATIONSHIP WITH THE LAND OWNERS WHO ACTUALLY BUILT THE XXXX XXXX SUBDIVIDISION, THEY OWN THE LAND, HOMES AND CONTROLS THE HOA. THE CLOSING ATTORNEY XXXX XXXX WHO WAS REMANDED FROM ENGAGING IN THE CLOSING OF REAL PROPERTIES WA ON XXXX DUE TO BEING UNXDER INVESTIGATION FOR PREVIOUS ILLEGAL MORTGAGE TRANSACTIONS. WHEN THE XXXX WAS FILED IN THE XXXX XXXX XXXX XXXX XXXX IT WAS TO INVESTIGATE THE FRAUD ON THE HOME. THIS XXXX NOT HAPPEN. XXXX XXXX PAID THE BRC OFF IN ORDER TO TAKE POSSESSION THE HOME. THE HOME WAS NEVER PURCHASED BY XXXX AND XXXX CONDUCTED A FRAUD LOAND TRANSACTION UTILIZING OUR PERSONAL INFORMATION AND DIVIDIED THE MONEY AMOUNT EVERYONE INVOLVED SUCH AS THE ATTORNEY, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX AND MORE. BECAUSE YOU COMPANY WAS UNDER THE ASSUMPTION NO ONE WOULD EVER FIGURE THE PUZZLE WOULD EVENTUALLY BE PUT TOGETHER, YOU PAID THE XXXX TO COVER. WELL, IT DIDN'T WORK. XXXX XXXX ALONG WITH XXXX XXXX HAVE WORKED TOGETHER FOR YEARS IN THE SAME CAPACITY. PEOPLE NOW KNOW WHAT IS REALLY TAKING PLACE WITH THEIR PROPERTIES AND YOUR BANKS LIKE MANY OTHERS IN RELATION TO STRAWBUYERS. INTERESTING ENOUGH THE STRAWBUYERS ARE LIKE OTHER FELONS. IN ORDER FOR THEM NOT TO RECEIVE EXCESSIVE JAIL TIME FOR PREVIOUSLY IDENTIFIED CRIMES, THEY ARE APPROACHED BY POLITICAL FIGURES, JUDGES AND OTHERS TO COMPLETE THEIR DIRTY WORK. IN OTHER WORDS THEY ARE THE CATALYSTS FOR MAKING THOSE WHO THINK THEY ARE IN XXXX AND IN CONTROL WEALTHIER. SO, MINIORITIES ARE USED FOR THIS TASK. WE ARE TARGETED AND SOUGHT OUT. XXXX XXXX PURCHASED XXXX NVT ON XX/XX/XXXX. ALL TITLE SEARCHES SHOWED A CLEAR TITLE, BUT UNBEKNOWST TO US THE TITLE COMPANY WAS OWNED BY THE DAUGHTER OF A XXXX XXXX WHICH HANDLES BANKRUPTCIES IN THE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. THE XXXX XXXX XXXX WAS OWNED THIS HOME PRIOR SO. ALL PARTIES INVOLVED PRIOR TO XX/XX/XXXX REGARDING TRANSACTION WITH XXXX XXXX ARE EQUALLY INVOLVED. THE HOME WAS FORCLOSED UNDER XXXX XXXX XXXX NOT XXXX XXXX XXXX XXXX XXXX. THE HOME WAS FORECLOSED UNDER XXXX XXXX XXXX XX/XX/XXXX. I FILED XXXX IN XX/XX/XXXX. THIS HOME LIKE THE ADDITIONALL REAL PROPERTIES WERE NEVER OUR HOMES. POLITICAL FIGURES AND ATTORNIES AND STEALING OUR MONEY,. THIS IS SUCH AS COMMON PRACTIVE IN GA. SINCE THE WORD IS OUT NEW SUBDIVISION ARE BEING BUILT ADVERTISING THE HOMES ARE FOR RENTAL ONLY????? AGAIN WE WERE PAYING RENT! THE INTERESING PIECE TO THIS FRAUD XXXX XXXX XXXX XXXX HAD THE AUDACITY TO ATTEMPT TO ELIMINATE THIER NAMES OFF OF THE DOCUMENTS WHICH LISTED LENDER. WELL, GUESS WHAT YOU DID NOT CLEAN UP THE MESS VERY WELL. IN CLOSING, XXXX XXXX 'S CREDIT IS CLEAN AND OUR CREDIT IS ILLEGALLY FLAWED AND THE XXXX PROCEEDING WAS A TOTAL SCAM XXXX XXXX. THIS STRAWBUYERS LATER CAME BACK AND ILLEGALLY TOOK POSSESSION OF THE HOME FOR THE FAMILY WHO HOME THE SUBDIVIDISION AFTER XXXX YEARS OF NON PAYMENTS! THIS IS A NO GO! THE DOCUMENTS CAN NOT BE DESTROYED SO WE ARE NOT WORRIED ABOUT THIS ACTION. YOU CAN CALL IT FRIVILOUS OR WHATEVER. THE PROOF IS ON PAPER. AND NO YOU ARE NOT RECEIVING AN UPLOADED COPY.ALL PARTIES BE INDICTED. OH, THE XXXX TRUSTEE ASSIGNED TO THE XXXX SOLD THE HOME TO A TRUSTEE LOCATED IN XXXX XXXX THIS IS WHY XXXX XXXX XXXXS POPPING UP ALL OVER THE PLACE! OR THIS COULD BE A DISTRACTION IN XXXX FOR THE FEDS NOT TO TARGET THE XXXX. XXXX TRUSTEE XXXX XXXX XXXX. XXXX XXXX WAS GIVEN A LOAN BY SYNOVUS BANK IN XXXX XXXX IN RELATION TO XXXXXXXX XXXX XXXX XXXX IT APPEARS THE TRUSTEE IN XXXX GA WAS CONNECTED TO SYNOVUS BANK IN XXXX GA. TRUSTEE SALE NUMBER XXXX THE MASSES ARE FULLY AWARE OF WHAT YOUR HAVE DONE. AND DON'T ATTEMPT TO BE CREATIVE IN GETTING RID OF XXXX!
06/27/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	OH 44128	Web
I am who I am ( the original creditor ) of all things on my consumer file, I am not a credit repair agent nor paid attorney, I am sending this as myself the original creditor in regards to this account. I am the consumer of the united states have had my consumer rights violated and will be seeking immediate litigation if this issue isnt resolved immediately. I called this company multiple times on a recorded line that I can produced during legal proceedings and spoke with multiple reps who were basically not taking my complaint seriously, I informed them about my right to privacy, and the illegal practices they are engaging which I can seek remedy for due to actual, punitive damages. Two of the reps hung up on me which they aren't allowed to. According to 15 usc 1681 The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. This company is reporting unfair, inaccurate, and illegal information to consumer reporting agencies. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( Violation ) law never states that you have to report this information, your rules may or may not state this but it doesn't supersedes law. Under 15 usc 1666b A creditor may not treat a payment on a credit card account under an open plan as late for any purpose, ( 4 ) billing error which states creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. Credit was extended to me based on my credit card XXXX social security card ) and the statement shows a positive balance when it should show a negative balance if its actually owed. this company is a bank and according to 12 usc 1431 banks are borrowers meaning they can not loan money. With this being said how could i receive a late payment on money that was loaned out to me? ( violation ) You also took cash to create the credit line which is a federal offense. I have been directly ( mail ) and indirectly ( consumer report ) contacted by this company in regards to this alleged debt with out written consent for them to contact me which is another federal offense under 15 usc 1692c ( communication in connection with a debt collection ) Because I never gave this permission I believe this offense also falls under 18 usc 1028 aggravated identity theft ( A ) ( 1 ) ( offense number 2 ) Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, ( possesses, or uses, without lawful authority ), a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. ( violation ) Furthermore under ( FDCPA ) 15 usc 1692g ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. All debts on the public and consumers are already paid for by the united states according to what I believe is 31 us code 3123 The Secretary of the Treasury shall pay interest due or accrued on the public debt. Now im not making threats but under 15 us code 1679g ( civil liablity ) Any person who fails to comply with any provision of this subchapter with respect to any other person shall be liable to such person in an amount equal to the sum of the amounts determined under each of the following paragraphs : actual damages, punitive damages and class action. LAstly under 15 usc 6802Obligations with respect to disclosures of personal information I have the legal right to tell you what is considered private to me and what I demand be removed from my file for the sack of my privacy.
10/23/2015	Yes	Bank account or service Other bank product/service	Deposits and withdrawals	AL 36608	Web
Coastal Bank & Trust performed a routine credit check in XX/XX/XXXX and found a judgment on my credit report. Coastal immediately suspended my Home Equity Line of Credit. I knew about this judgment and it should never have been on my record -- thus I was in the legal process ( with the circuit judge ) to remove & delete from my record. This was deleted from my record and removed by the credit bureaus on XXXX/XXXX/15. Various events happened throughout this process have not only been unfair, unethical and dishonest. Time line of events are as follows:XX/XX/2015 I pay down my personal line of credit to {$0.00}. XXXX/XXXX/15 I go to transfer funds from my personal line of credit to my business account and unable to do so. Call Coastal personal banker to do this and she is unable to make the transfer. She researches why she can not transfer this for the next 2-3 hours and finally calls back stating that the account has been frozen due to the credit report underwriting ran on XXXX/XXXX/15, showing a judgment. The credit report states that the reasons for their decision are as follows : Serious Delinquency and public record or collection filed & Length of time since derogatory public record or collection is too short. The letter is dated on XXXX/XXXX/15 but never mailed to me. I tell her that this judgment was vacated and deleted from my records on XXXX/XXXX/15, thus we should be able to reinstate my accounts immediately. Later that day I speak with the branch manager and he says sorry and tells me that he should have this taken care of in the next day or so. We discuss again at the end of the day and he said that we will now need to submit another application to reinstate the lines of credit. No response from anyone at Coastal the following week, so I begin researching consumer rights and contact a lawyer. XXXX XXXX XXXX/XXXX/15 : Coastal tells me that the application to reinstate has been entered and we are waiting back on the credit XXXX PM XXXX/XXXX/15 : I respond saying that I have spoken with a lawyer and the FDIC , CFPB in regards to this situationXXXX PM XXXX/XXXX/15 : Coastal Branch manager responds saying give him a call and let 's talk through thisXX/XX/2015 : Branch manager calls and says that I still have a judgment on my account per the credit report they recently pulled ; I find it unbelievable that it continues to be on there, but tell him I 'll make some calls and call him back. I immediately call Equifax to confirm this information. There is no judgment on my report and the last time I had a hard credit inquiry was on XXXX -- when Coastal originally pulled, starting this mess. So, someone is not telling me the truth here. I send branch manager an email with a scanned copy of the vacated judgment and XXXX ( XXXX ) separate bureau FICO credit reports that I pulled recently, showing there is NO judgment on my records. I ask him to send me a copy of the credit report he is looking at and he says he can not send this to me. He also states that he inquired on the date the report was pulled and will get back to me. XXXX/XXXX/15 : I check in to see what the status is ... also stating that Coastal has NOT updated my personal line of credit account which will reflect a XXXX balance ( instead it shows a {$4900.00} balance on a {$5000.00} limit since this is the information that was shown on XXXX/XXXX/15 ). This obviously pulls my credit score down. Another thing I reiterate is the fact that I have a Coastal HELOC in place ( with a high balance ), that is dropping my score as well. It 's viewed as a credit card when calculating the scores. Branch manager sends me an email saying that this information was based on the old report ... should have new credit pulled today. Wait, what?? XXXX/XXXX/15 : Branch manager emails me and states the score went up XXXX points ( XXXX ) and will not be enough to reinstate the lines of credit. It is not right how this has been handled from start to finish.
10/23/2015	Yes	Mortgage Home equity loan or line of credit	Credit decision / Underwriting	AL 36608	Web
XXXX XXXX XXXX XXXX performed a routine credit check in XX/XX/XXXX and found a judgment on my credit report. XXXX immediately suspended my Home Equity Line of Credit. I knew about this judgment and it should never have been on my record -- thus I was in the legal process ( with the circuit judge ) to remove & delete from my record. This was deleted from my record and removed by the credit bureaus on XXXX/XXXX/15. Various events happened throughout this process have not only been unfair, unethical and dishonest. Time line of events are as follows:XX/XX/2015 I pay down my personal line of credit to {$0.00}. XXXX/XXXX/15 I go to transfer funds from my personal line of credit to my business account and unable to do so. Call XXXX personal banker to do this and she is unable to make the transfer. She researches why she can not transfer this for the next 2-3 hours and finally calls back stating that the account has been frozen due to the credit report underwriting ran on XXXX/XXXX/15, showing a judgment. The credit report states that the reasons for their decision are as follows : Serious Delinquency and public record or collection filed & Length of time since derogatory public record or collection is too short. The letter is dated on XXXX/XXXX/15 but never mailed to me. I tell her that this judgment was vacated and deleted from my records on XXXX/XXXX/15, thus we should be able to reinstate my accounts immediately. Later that day I speak with the branch manager and he says sorry and tells me that he should have this taken care of in the next day or so. We discuss again at the end of the day and he said that we will now need to submit another application to reinstate the lines of credit. No response from anyone at XXXX the following week, so I begin researching consumer rights and contact a lawyer. XXXX XXXX XXXX/XXXX/15 : XXXX tells me that the application to reinstate has been entered and we are waiting back on the credit pullXXXX XXXX/XXXX/15 : I respond saying that I have spoken with a lawyer and the FDIC , CFPB in regards to this situationXXXX XXXX/XXXX/15 : XXXX Branch manager XXXX saying give him a call and let 's talk through thisXX/XX/2015 : Branch manager calls and says that I still have a judgment on my account per the credit report they recently pulled ; I find it unbelievable that it continues to be on there, but tell him I 'll make some calls and call him back. I immediately call XXXX to confirm this information. There is no judgment on my report and the last time I had a hard credit inquiry was on XXXX XXXX -- when XXXX originally pulled, starting this mess. So, someone is not telling me the truth here. I send branch manager an email with a scanned copy of the vacated judgment and XXXX ( XXXX ) separate bureau FICO credit reports that I pulled recently, showing there is NO judgment on my records. I ask him to send me a copy of the credit report he is looking at and he says he can not send this to me. He also states that he inquired on the date the report was pulled and will get back to me. XXXX/XXXX/15 : I check in to see what the status is ... also stating that XXXX has NOT updated my personal line of credit account which will reflect a XXXX balance ( instead it shows a {$4900.00} balance on a {$5000.00} limit since this is the information that was shown on XXXX/XXXX/15 ). This obviously pulls my credit score down. Another thing I reiterate is the fact that I have a XXXX HELOC in place ( with a high balance ), that is dropping my score as well. It 's viewed as a credit card when calculating the scores. Branch manager sends me an email saying that this information was based on the old report ... should have new credit pulled today. Wait, what?? XXXX/XXXX/15 : Branch manager emails me and states the score went up XXXX points ( XXXX ) and will not be enough to reinstate the lines of credit. It is not right how this has been handled from start to finish.
02/16/2022	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MD 21207	Web
Dear First Progress : I am responding to your contact about a debt you are trying to collect. You reported me by XXXX, XXXX, AND XXXX and identified the debt as verified debt owed. Please supply the information below so that I can be fully informed : Why you think I owe the debt and to whom I owe it, including : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay. The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. State the amount of the debt when you obtained it, and when that was. If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. Tell me when the creditor claims this debt became due and when it became delinquent. Identify the date of the last payment made on this account. Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that. Details about your authority to collect this debt. I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. I have asked for this information because I have some questions. I need to hear from you to make an informed decision about your claim that I owe this money. I am open to communicating with you for this purpose. In order to make sure that I am not put at any disadvantage, in the meantime please treat this debt as being in dispute and under discussion between us. Thank you for your cooperation.
03/13/2017	Yes	Mortgage Home equity loan or line of credit	Application, originator, mortgage broker	GA 301XX	Web
We started this process in XXXX XXXX with XXXX Georgia. It was XXXX XXXX before they had the paperwork ready for us to start building. Our builder was finished with the house in XXXX XXXX. The bank did not get the paperwork ready for us to sign the final closing until XXXX XXXX. This whole process was painful and a nightmare. XXXX XXXX cost my family more money than expected because of his failure to provide the right documents timely, higher interest rate for failure to close the loan when my builder was finished and then threated by his superior XXXX XXXX for money after the closing to fix their mistakes on the paperwork. Below I have listed a few of the things we had to deal with that we should n't have. XXXX XXXX XXXX I started pressing when we could start, was told waiting on appraisal, Appraisal was sent XXXX/XXXX/XXXX. XXXX XXXX XXXX - I was told everything should be sent to underwriting. XXXX XXXX XXXX XXXX XXXX requested pay check stubs for underwriting, I have emails where they were sent XXXX/XXXX/XXXX at XXXX, I resent them. XXXX XXXX XXXX - I ask again when could we start, XXXX claimed underwriting has the file it would probably be XXXX XXXX. XXXX XXXX XXXX - XXXX XXXX ask for check stubs again XXXX XXXX XXXX - XXXX XXXX stated that underwriting had provided prelim approval, that builder could move forward. XXXX XXXX XXXX - XXXX XXXX ask for us to sign some documents, he also what attorney we would like to use to close the loan. I replied XXXX/XXXX/XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX - I ask any idea on closing? Date and time? XXXX XXXX XXXX - XXXX XXXX stated he was working on getting it scheduled with the attorney. Then he sent right back the file was sent for final approval on Monday, and they are on a 4 day turn time. XXXX XXXX XXXX XXXX XXXX emailed underwriter has approved the loan and the MI should have approval tomorrow, are you ok for Friday next week to close? XXXX XXXX XXXX I ask could he get us the information and close on Monday and why I could n't use Attorney XXXX? XXXX XXXX XXXX XXXX XXXX stated the federal law requires the package to us 3 business days in advance. I checked with the attorney and they will have title to us on Monday. XXXX XXXX XXXX email from XXXX XXXX stating she worked with XXXX XXXX that our loan was clear for closing on XXXX XXXX, XXXX at Attorney XXXX XXXX XXXX XXXX. I followed up with that was fine that we had been ready since XXXX since we started this process in XXXX XXXX. I also ask why I could n't use XXXX XXXX that I had chosen earlier. XXXX XXXX XXXX XXXX Closing XXXX XXXX XXXX contacted builder to start The above is the back and forth emails that I have printed out ( o. I will summarize the rest to follow. -We were told by XXXX XXXX that once our builder finished we could close our loan. The builder was finished in XXXX, XXXX. -During these months we received other people 's paperwork through email ( from XXXX XXXX ), which contained their personal information. - Our file got corrupted - we were n't told until after we called and emailed XXXX XXXX several times to find out why we could n't close. XXXX XXXX stated that the bank changed to a new program and our file was the only file that got infected. XXXX XXXX always - We had to call XXXX XXXX to get the process rolling so we could finally close. We requested that he handle all of our paperwork from then on. We did not want to have any more communication with XXXX XXXX. - We received a call from our insurance company that they were going to cancel our house insurance because, they had not received payment from the bank. We had to pay all the insurance with the exception of {$70.00} out of pocket. -Keep in mind we were paying interest at a higher percentage for the construction loan. We were not allowed to start paying down on our principal even though the house was complete
02/17/2016	Yes	Consumer Loan Installment loan	Taking out the loan or lease	AZ 853XX	Web	Servicemember
I received a phone call asking if I was interested in taking an unsecured loan and filed an application over the phone. I was approved for a {$6000.00} loan repayable at {$260.00} per month for 24 months. The representative then stated that before transferring the loan funds to me I would be required to make the first payment of {$260.00}. He stated this would demonstrate my ability to pay. I purchased a XXXX pre-paid XXXX at XXXX for {$260.00} and provided the card number to the bank. I was then told that they were unable to accept payments on a XXXX XXXX and that I would need to purchase a XXXX XXXX in order to make the {$260.00} payment. Following these instructions, I purchased the XXXX XXXX and provided that number to the bank over the phone. I was then informed that I would need to purchase an additional XXXX XXXX for {$230.00} in order to cover the cost of transferring the funds to me via XXXX XXXX. I purchased that card at the Family Dollar Store and again provided the card number to the bank over the phone, At that time, they said that I would need to make an additional payment of {$250.00} with another XXXX. They explained that this was supposed to cover the income taxes for the loan. I did not feel like I should have to make a tax payment to them, as I would handle any taxes due when I filed my individual income tax forms in XXXX. I told them I was not going to make and additional payments to them. Following my refusal to make any additional payments, with the help of a friend, I made several phone calls to the bank trying to resolve the situation. Each time representative I spoke with ( XXXX XXXX, XXXX XXXX, XXXX - Supervisor, XXXX XXXX - Tax Manager, and XXXX - refunds ) simply stated that nothing further could be done unless I made this additional payment. In the meantime, I contacted the XXXX company and was told that there was no available balance on that card ( despite the fact that they said they were unable to accept that card ) and that the card had been registered under an identity that did not match mine. I called the bank and asked them to release the money on the XXXX card back to me. They replied that they would only release those funds after I had completed the additional tax payment. I then told them that we had reached an impasse and that I would like to cancel my loan application and receive a refund of the money I had already sent them. They responded by stating that I would need to send them an additional payment of {$110.00} to pay a cancellation fee. I said they should take the fee out of the {$750.00} I had already paid, They stated that would not be possible and that if I did not send the {$110.00} then I would just have to " let it go ''. In addition to the numerous calls I made to the loan people I also called the Columbus Bank and Trust at a different phone number I located online ( XXXX ) and spoke with customer service representative XXXX XXXX, who told me that no loan officer at their bank would ever make an unsolicited call offering a loan and they would never require a payment in advance of receiving loan funds. Furthermore, she told me that the Columbus Bank and Trust does not have a branch in New York. I forwarded her a copy of the loan agreement I had received via email so that her institution would no that someone was conduction fraudulent activity under their name. I have now given up on trying to deal with the people making the loan and am instead attempting to recoup my money from the XXXX and XXXX companies. I have tried to stop payments to the loan company and have opened claims on each of the XXXX pre-paid cards I purchased. In each instance I have been told that the card is now registered in an identity that does not match my own. As of this time, I am still waiting to hear about the outcome of these claims.
10/12/2023	Yes	Checking or savings account Checking account	Opening an account Account opened without my consent or knowledge	FL 335XX	Web
Just received an email XX/XX/2023 via my personal email. Time Received Email : XXXX. Email Received : Synovus Dear XXXX, Thank you for opening a new Synovus Plus Checking account online. Here are some easy next steps to get your account up and running. Whats next If you chose to receive a XXXX XXXX Debit Card for this account, it should arrive in the mail in the next 7-10 business days. Please activate it immediately, using the directions provided. Set up your account online in XXXX XXXX, our easy-to-use digital banking experience thats available on the web and in our mobile app for your XXXX or XXXX phone. If you like, set up direct deposit in your account for your employer or other payor ( s ). Youll need the Synovus routing number XXXX and your full account number. Need assistance? Please call us at XXXX ( XXXX ) and well be happy to help. Welcome to Synovus Plus Checking With your Synovus Plus Checking account, you are guaranteed access to Synovus Plus Relationship program2 benefits, including : Preferred rates on savings accounts, money market accounts and CDs3 Competitive cash-back and bonus point rewards on credit cards4 Credit monitoring and identity theft protection services5 Plus Checking includes a monthly account fee of {$10.00}, which can be waived if youre a member of the military community6, or if you maintain a minimum {$10000.00} relationship balance with your personal accounts7, or have minimum {$5000.00} monthly deposits, or maintain a minimum {$500000.00} business relationship balances. Access My Documents If you have questions or if you did not submit this application, please contact us. Sincerely, Synovus Customer Care Important disclosure information Banking products are provided by Synovus Bank, Member FDIC. Please do not reply to this email ; this is not a monitored mailbox. You can contact us at XXXX ( XXXX ). The service marks and trademarks used in this email belong to their respective owners. Use of the My Synovus mobile app requires your mobile service providers data and /or text plan. Message and data rates may apply. The complete list of Synovus Plus benefits is available at : XXXX. Preferred rates on Personal Savings & Relationship Money Market accounts, and on personal Synovus CDs and IRAs. For CD/IRA relationship rate benefits, visit a local branch and talk with a banker for details. All credit cards, loans and lines of credit are subject to credit approval. Valid email address and separate enrollment required. If you are a member of the military community, stop by your local Synovus branch and present your military ID to waive the XXXX XXXX monthly account fee. See Synovus Plus Program Terms for details. Includes Synovus Bank and Synovus XXXX , XXXX ( XXXX ) assets held by our custodian, XXXX XXXX XXXX ( XXXX ). XXXX XXXX XXXX, XXXX. ( XXXX ) accounts are not directly included in relationship balance or monthly deposit calculations. XXXX customers in a Synovus relationship program will receive program benefits equivalent to customers with at least a {$500000.00} relationship balance. 2023 Synovus Bank. All rights reserved. Synovus Bank, Member FDIC, XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX Replied back via Email to : XXXX To Whom It May Concern ; I, XXXX XXXX , have not and DID NOT open an account with you. I do not know this bank. Received an email from you Thanking me for opening an account with you. This is NOT Correct. Please close out this account. I will be filling a complaint with the FTC, XXXX, CFPB, and local authorities. My Identity HAS BEEN STOLEN already multiple times. Close out this account and send me CONFIRMATION that it is Closed out.
05/26/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	PA 19023	Web
First Progress XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Dear First Progress,, Re : First Progress account number beginning with XXXX This letter is being sent to you in response to reporting activity on XX/XX/2023 with XXXX, in addition to conversation with me and an agent at first progress In XXXX of XXXX I demanded First Progress Cease & Desist all forms of communication to affiliate as well as non affiliate agencies or any individuals. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus XXXX XXXX, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure that your records are in order before I am forced to take legal action. This is an attempt to correct your records, any information obtained shall be used for that purpose. Thank you for your time, last four of my ssn # XXXX XXXX XXXX
06/02/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	GA 30022	Web
I have a conventional mortgage with Synovus Bank. I have never missed any payments nor have I been late on any payments ever. In fact, I have made several significant principal payments ( XXXX, XXXX or even $ XXXX ) during the course of the loan and every time I would go to the branch and request the payment to be applied as principal payment, XXXX would always apply those payments as partial monthly payments or simply hold that money in a separate account as " unspecified payment '', would not apply to the loan for several days until I call, resulting in delays and charging additional interest on the principal amount that I have paid down, only the bank did not apply the funds as such. Representatives on the phone would tell me " What difference does it make when we apply principal payment you made? ". I can not believe someone employed by the bank does not understand the concept of interest accrued on a balance that should have been reduced by a certain date, but instead keep accruing at a higher amount/loan balance. I am now trying to refinance my mortgage loan with a different provider at a lower rate and different terms. A payoff statement was requested from Synovus on or about XX/XX/2021 and I received one in the mail on or about XX/XX/2021. The statement was dated XX/XX/2021 and provided a payoff through XX/XX/2021. On the statement there was standard information provided such as unpaid principal balance, interest, etc. There was also a line item for " Unpaid Late Charges '' with a dollar amount on there which was included in the total payoff amount. I was upset to see it because I know for a fact I have never been late on any payment. I tried calling customer service number on XX/XX/2021 and after 3 tries and 1 & 1/2 hour wait on hold XXXX finally answered the phone but could not tell me why there was a late charge ( s ) assessed on my account as she confirmed there was never a late payment associated with my account. I requested a corrected letter sent to the lender that is processing my current application and a copy mailed to me with a statement from Synovus that this was a mistake on banks end and that I have never been late on any payments. A representative stated that she can not do that and that she needs management approval first. I requested a call back from management with resolution. XXXX XXXX called me back at the end of the day on XX/XX/XXXX and told me " let me explain why that fee is on there ''. " Its because a payoff was requested through XX/XX/XXXX which is past the payment due date for the month of XXXX so the fee is charged in advance even though you have never made any late payments ''. So Synovus Bank is engaging in abusive practices and taking liberty in charging me unwarranted and completely unfounded " late fees '' when I have never been late in making any such payments? XXXX XXXX stated she was unable to remove this charge from my payoff statement because it is " system generated ''. A statement that I have " Unpaid late charges '' from my current lender that are completely false, inaccurate and baseless make me look bad and may impact my current loan application with a different lender. Synovus Bank is knowingly and purposely engaging in unfair and abusive practices by providing false information that is deceiving at best and by doing so the bank is harming a consumer that has done nothing wrong but always paid on time! This practice should cease immediately and Synovus Bank mortgage should be investigated for employing such tactics! It is simply appalling to include late fees that are charged for a loan that has never had any late payments!
09/21/2021	Yes	Checking or savings account Checking account	Problem caused by your funds being low Non-sufficient funds and associated fees	GA 30458	Web
The company involve is Synovus Bank in XXXX, GA ( XXXX XXXX ). In early XXXX I went to the bank to make a {$13000.00} cash deposit. Each {$1000.00} bundle was marked separated with a paper clip and a pink sticky note which noted the amount in each bundle {$1000.00}. I went to the bank in early XXXX, 2021 to make the deposit ( I have a safe at home where I kept the money ). I walked in the bank and gave began the transaction with the teller ( her name is available upon request ). The teller took the money from my hand and ask me, " How much do you have here? ". I told her, " I wasn't sure ''. She preceded to take the money, removed the paper clips and sticky notes, turned to her right and went to the 'money counter ' When she returned to said, ... '' you have {$13000.00}. She started to document the transaction. Unfortunately, I did not get a receipt. Another unfortunate thing is that I was in/out of the hospital, in XXXX, GA between mid XXXX to XX/XX/XXXX. When I returned home and checked my bank account, the money was not there. I immediately went to the bank and discussed the issue with the manager ( name available upon request ). He immediately said that none of people would do anything like that... I was literaly in tears. I'm XXXX yrs. old and my home is need of repair ... that's how the money was to be allocated. I have never been in trouble of any kind in my entire life. So now would not be the time to start making up such a story. Fast forward, I talk to another gentleman who was the boss of that bank District ( name available upon request. I talked him about the issue. However, for months they would NOT check the cameras. Furthermore, he stopped communicating with me about tthe issue. Last time I talked to him he stated that he would check the cameras on the dates we discussed. However, weeks went by and he NEVER checked the cameras. Then, they had one of their 'Security ' guys to call me and he said he was told I was threatening the teller in question. NEVER would I do such a thing as I have not been inside the bank since the day I went to speak to the manager about the issue. Furthermore, their 'Security ' said that they didn't keep the camera footage no longer than 6-months! If that is true, at that point, I understood why that continue to put me off. Later, the Synovus District manager, wrote me a certified letter, ( available upon request ) and stated that they had talked to the teller but of course, to no avail. I immediately responded and ask them why I was not invited to that meeting. Also, I requested a face-to-face meeting with the parties involved... never received an answer of any kind and there has been no communication from them since they sent the certified letter. I told the manager at the bank that I would do anything needed in order to get to the bottom of why my {$13000.00} was not deposited in my account. I told him the if necessary, I would take a lie detector test. Once again, no response. I called the local police TWICE ( name available upon request ) and told him that I wanted to talk with them about an issue. He told me twice that he would get with me at a specific time... NO RESPONSE. I then sent him a text and asked him if he was to busy then could he please " refer me to someone else? " ... no response. The fact that I left there without a receipt did not give the teller or whomever else who may have been involved, the right to keep my {$13000.00}. I've been banking with them for over 20 years. I'm surprised that I didn't receive one ounce of support from them.
12/03/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Advertising and marketing, including promotional offers Confusing or misleading advertising about the credit card	CA 928XX	Web
Incomplete application unable to cancel with the company Over the last weekend of XXXX 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 $ XXXX {$50.00} 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 XXXX XXXX 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 XX/XX/XXXX, CFPB, FTC & the Comptroller of the Currency. Today they sent me a text message from a XXXX 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. https : XXXX ''. 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?
06/02/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	CA 94102	Web	Older American, Servicemember
1 ) new account holder, former ID Theft, XXXX XXXX XXXX Senior XXXX XXXX XXXX XXXX Vet scammed by FIRST PROGRESS and affiliated FDIC bank ACH member ( FED VA.VIP.GOV, SAM.GOV SBA XXXX online rep et al ) freelance # consulant personal account new, trying to reestabled credit increase FICO ( R ) via ontime payments and this NON BANK ISSUE FIRST PROGRESS in TENNESSE has been SCAMMING PAYDAY LOAN SUB PRIME PERSONAL LOAN CUSTOMERS FOR YEARS since the 90s as much as today is apps and smartphones and FICO ( R ) scoring in close to reatime for millennials students teens seniors and others attempting to rebuild personal credit are red lined XXXX XXXX Unsafe @ any Speed # VICTIMs of PREDATORY LENDING AND CREDIT LINE ISSUANCE and THE FDIC BANK IN XXXX GA NEEDS TO BE INVESTIGATED AS WELL FOR FRAUD BY OFFICERS IN COHORTS WITH THE PROCESSORS PAYDAY LOAN PEOPLE IN TENNESSEE FOR EXCESSIVE FEES AND LACK OF TECHNICAL PLATFORM INFRASTRUTURE FOR LOW OR NO FICO NEW OR BAD CREDIT SECURED MASTERCARD ( R ) CREDIT CARD APPLICANTS XXXX XXXX NEEDS TO PULL THEIR AFFILATION FROM THESE CROOKS WHO TAKE INSTANT DEPOSITS YET THE END USER BAD UX CONSUMER CAN NOT MAKE ANY INSTANT PAYMENT AND TO MAKE ONE WITH A REP VIA PHONE WHICH IS NOT A WEEKEND OR EVENING 24/7/365 ACCESS XXXX XXXX AS MOST BANKS AND OTHER CARD PROCESSORS OFFER FOR THIS DEMOGRAPHIC CASES AUTO COMPUTER DATABASE AI GENERATED HIGH FEES TO BE ADDED TO THE ACCOUNT AND IS TYPICAL OF THE NEW PREPAID CARD SUBPRIME VENDORS LIKE XXXX and XXXX using the VISA ( R ) network for HIGH INTEREST PERSONAL snail maiing prescreened XXXX bureau credit offers PRE QUAL OFFERS which trick the sub prime customer into high rates and direct payday loan debit and high membership fees which place the customer into a cycle of debt and payday loan redlineing etc please take a look thanks i can not make a payment online or by phone for free please cc the FTC as well enjoy your day XXXX in XXXX XXXX By Mail : First Progress Card XXXX XXXX XXXX XXXX XXXX, TN XXXX By Phone : To reach Customer Service or if your card has been lost or stolen, please call us toll-free at ( XXXX ) XXXX https : //www.firstprogress.comXXXX https : //www.firstprogress.com XXXX login XXXX XXXX new account holder # XXXX ( DOJ online complaint not made to date as of XX/XX/2019 please CC Senator XXXX XXXX if feasible ) # Senior # XXXX # XXXX # Veteran # XXXX # FED # CONTACTOR SAM.GOV vendor individual personal secured MasterCard ( R ) branded standard revolving credit card account debited my XXXX checking To Open Secured FIRST PROGRESS Subprime Credit Credit Account ( Processor, NOT THE FDIC Bank issuer ) debited US {$200.00} Security Deposit for XXXX credit line *secured, personal, revolving ) Available Credit : {$0.00} Download or Print this Information Credit Limit : {$200.00} Current Balance : {$190.00} Previous Statement Balance : {$190.00} Last Payment Date : XX/XX/2019 Last Payment Amount : {$40.00} Statement Summary Payment Due Date : XX/XX/2019 Minimum Payment Due : {$40.00} Make online Payment Past Due Amount : {$0.00} Additional Information Cardholder Since : XX/XX/2019 Statement Cycle Date : XXXX of each month Limit, Balance, and Payment information as of prior business day. First Progress Platinum MasterCard Secured Credit Cards are issued by Additional Information Cardholder Since : XX/XX/2019 Statement Cycle Date : XXXX of each month Limit, Balance, and Payment information as of prior business day. First Progress Platinum MasterCard Secured Credit Cards are issued by Synovus Bank, XXXX, GA, member FDIC.
10/17/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NV 89074	Web
To whom it may concern, I have been in an uphill battle that has gotten nowhere for months now with First Progress ( Credit Card ). The issue at hand is that this company has took it upon themselves to report fraudulent and incorrect information on an account that they can not and have not verified to even belong to me. I frequently check my credit report and also have the credit monitoring set up with alerts. I noticed that First Progress has deleted this account, then replaced and falsely updated information on my credit file. As to date this account is showing " closed '' with a balance of {$200.00} on my credit file with delinquent and late payments reporting recently. Please note and be aware that it also shows that this account was closed in XX/XX/XXXX! I have asked the creditor to prove and/or provide a contract or some sort of binding agreement that clearly states that this account belongs to me, and they have on multiple occasions failed to do so and have yet to do so. Not only is this account hindering my credit file and livelihood but the creditor has the audacity to be reporting inaccurate and fraudulent information which under the FCRA is not legal or allowed. The FCRA Section 623 A & B clearly states that ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. Upon First Progress breaking the FCRA agreement and not being able to provide the requested information, this item on my credit file BY LAW should be deleted immediately from my credit file asap. To give you a clear picture on the inaccuracy of this item and the fraudulent information reported by this company I have listed a detailed outline of the information reported. Account Status : Closed as of XX/XX/XXXX Credit Limit : {$300.00} Status : Past Due 180 Days Updated : XX/XX/XXXX Past Due Amount : {$200.00} Highest Balance : $ 504 Monthly Payment : {$200.00} Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. If you will please notate that the above referenced is also reporting as 120 day late ( s ) and failure to pay ( s ) on a CLOSED account, which should not and is not even possible being that the account is stated to be closed since XX/XX/XXXX! Also the creditor reports this account as having a balance of {$200.00} and a monthly payment of {$200.00}? ( how is that even possible? ). I don't know if the negligence of this creditor to furbish and report such untruthful and unlawful information can become any greater or outlandish, but this is not acceptable and needs to be removed from my credit file at once due to the lack of honesty, non verification of the item actually even belonging to me and correct information from First Progress. I want this item removed from my credit file within 30 days since there is no verification between creditor and consumer and having incorrect information being reported.
10/05/2020	Yes	Mortgage Other type of mortgage	Incorrect information on your report Account information incorrect	FL 33023	Web
Back In XXXX of XXXX i closed on a construction to permanent loan with Florida Community Bank. In XX/XX/XXXX i filed an Discrimination complaint with CFPB against Florida Community Bank. i still decided to go ahead with the construction process of my home, it was a nightmare through this process. XXXX of XXXX my home was constructed, around XX/XX/XXXX Florida Community Bank transition to SYNOVUS BANK, then i was advised by Florida Community Bank to send all payments to SYNOVUS BANK which i did. Approximately XXXX XXXX on XX/XX/XXXX I requested a payoff of my mortgage loan from SYNOVUS BANK, in return I received an email stating a have to wait 7 days for a payoff which i didn't understand why i had to wait 7 days. by XXXX XXXX that day i received another email with my payoff, i advised SYNOVUS BANK via email i wanted to have it payed off before XXXX or XXXX XXXX XXXX that never happened, instead it happen XX/XX/XXXX and thats when they received the wire for my loan payoff. My Payment History was excellent with Florida Community Bank/SYNOVUS BANK before I requested a payoff of my loan on XX/XX/XXXX, i have my credit reports for XX/XX/XXXX and XX/XX/XXXX that proves I was never late for those months and SYNOVUS BANK never reported those months as being late prior to XX/XX/XXXX. On XX/XX/XXXX I receive a call from SYNOVUS BANK around about XXXX XXXX requesting the payment for XXXX, she explained to me that I was 30 days late on XXXX payment and threatening me that if I dont make a payment by XXXX XXXX that day she would report me to the credit bureaus. I explained to her a had been in contact with SYNOVUS BANK and i received my payoff from them, then i ask her how can I be 30 days late when it was XX/XX/XXXX XXXX my payment was due by the 5 of XX/XX/XXXX, she never explained to me how was that so. The next day on XX/XX/XXXX I received an alert from the credit bureaus that SYNOVUS BANK reported i had a Negative 30 day late payment on XX/XX/XXXX. I'm confused, So she gave me a 30 day late on the XXXX of the same month? I also have XXXX credit report to show it was reported on XX/XX/XXXX to the bureaus. On XX/XX/XXXX I made my XXXX mortgage payment to SYNOVUS BANK which I have done before and never been reported to the credit bureaus for 30 day late payment, I have all my payments receipts from XX/XX/XXXX through XX/XX/XXXX just as they have aswell, I paid off my loan balance in full to SYNOVUS BANK on XX/XX/XXXX, on XX/XX/XXXX I received another alert from the credit bureaus stating I had a Negative 90 day late From SYNOVUS BANK for the month of XXXXXXXX XXXX XXXX along with XX/XX/XXXX and that the account was now closed. I've been calling SYNOVUS BANK for 10 months to discuss and dispute this error, everytime I call them they have me on hold for 45 minutes just to come back and tell me they have no information about my account i had with them, I've tried to dispute this error through the credit bureaus and SYNOVUS BANK keeps reporting back to the credit bureaus within 30 days stating the information they reported is accurate but SYNOVUS BANK will not talk to me about it, and I was their customer who did business with them. I feel the treatment that I'm receiving is an extension of my Discrimination complaint I filed against Florida Community Bank back in XXXX of XXXX and this is not ethical. I thrive to have excellent credit/payment history this is my lifeline. This has ruined my credit and my score and it is unfair.
05/23/2015	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	TX 77354	Web	Older American, Servicemember
We are trying to purchase a house. I discovered when applying for the home loan that there was a closed account in collections from Columbus Bank and Trust on my credit report that I had no idea about. I had never received written or otherwise information on an attempt to collect on this account. I do n't remember opening this account. According to my credit report, the account in question was opened on XX/XX/XXXX and was charged off as of XX/XX/XXXX, almost 3 years ago and yet this account was last reported to XXXX on XX/XX/XXXX.Someone is servicing this account. The last 3 weeks : I called Columbus Bank & Trust at XXXX and they could not find the account. They gave me the number to a company that distributes the accounts to collection bureaus. XXXX XXXX XXXX XXXX XXXX This place gave us the number to an Attorney Collection Agency Office and they said they have never had any account with my name or social security number. I started over and went through the same processof contacting the bank again and still ended with the dead end of not finding the account. At thispoint I called the bank back and told them no one had the account and she turned the problem over to to their research dept. and told me that it would take a day or two. I called back several days and they had not heard from research. Finally after about 10 days, they told me that they could not find who had serviced the account so they would fax a deletion letter. Give them a day or two. After a couple of days, I called back and they said it had not come through as faxed, try back in a couple of more days ... this went on for over a week. Then I was given a number by the bank that was supposed to be handling the faxing of the Deletion Letter. The lady that gave me the number to call, told me the deletion letter had already been approved, and that they could let me know when it was ready to be faxed to me. She assured me that they had the number to fax the letter to me. I called this number and they said to give them two days- XXXX, XXXX XXXX, and XXXX, XXXX XXXX. XXXX XXXX, I called them and the person I talked to identified himself as a manager. He told me that I needed to pay the {$800.00} owed on the account. I said I was willing to pay ( They found the account??? ) but I needed a letter stating that I had paid the account in full so I could be approved by the VA for the mortgage I was trying to get. The man told me that it would be on my credit report for 7 years and whether I paid it or not, it would still be listed on my credit report- a letter would do me no good, but I would have to go to the agency that was servicing the account. At this point I pretty much lost it. After Googling the number the bank had given me to call that " was handling the faxing of the letter '' I found out that it was " XXXX '' the same number they game me the XXXX time I called that gave me the attorneys that could n't find my account. I am in desperate need of help. I have been lied to and sent on a wild goose chase. I ca n't get off the merry go round. I am willing to pay off this account that I do n't even remember so I can get my VA Loan. I can not get anyone to identify the account as they are the ones servicing it or can verify if I paid it off. I am just so confused as to how to solve this Catch XXXX we have found ourselves .... Help Please!!
06/18/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	GA 30161	Web
To Whom it may concern : I have 3 mortgage accounts with Synovus. I was told that I was under a deferred mortgage on all accounts over the past year. I was in constant contact with my representative XXXX XXXX. Over the last several months I had asked to be taken off deferred payments ( since XXXX ) and i was told that it was in the works ( their lawyer was finalizing the paperwork ). He actually asked if I could make interest payments totaling close to {$6000.00} to cover all 3 accounts ( end of XXXX or very beginning of XXXX ). I told him that I couldnt come up with that much at one time ( he assured me that there was no problem and that he would be back dating the deferred mortgages to cover the time lag ). Over the last couple months I have not been able to get in touch with him ( he stopped returning phone calls ). I called 6 or 7 times and left 2 or 3 messages and still havent heard from him. Then last week I received 3 letters regarding all the mortgages saying that they have sold my mortgages. I called the new contACT person on the letters and a woman named XXXX XXXX answered the phone and refused to let me speak with the person I was told to contact on the papers. Then she informed me that she knew who i was and that I could speak with her ( my contact person on the letter was to be XXXX XXXX ). I asked who was she and she said that she was the REO Disposition manager and XXXX 's boss. She told me to call the new company or keep leaving messages for XXXX XXXX is my only options. I kept trying to ask questions about what was going on and why wasnt XXXX returning my calls ( since I have been speaking with him for years and he has always called me back or answered every single time until the last couple months ). After I kept trying to ask questions she said that i dont have any signed paperwork regarding being under deferred payments and that their is nothing they can do. I said thats wrong since I have been waiting for XXXX to send me paperwork for months on end to sign ( to which he repeatedly said that he would be back dating them to cover the deferred period after we work something out with their lawyers ). Also, he stated that he was going to have to renew my loan and that he would do this with a lower rate that would be lowered from 7 % and 8 % down around 5 % ( he told me this back when I was trying to get off deferred payments for XXXX ). After finally getting no where at all with XXXX XXXX I called the new company and they were very adamant that I hadnt made a payment in over a year and that I havent been on deferred payments since XX/XX/2020. They demanded to know why I havent been making payments. After explaining what I have been saying here, he said they dont have any information about any of that and it looks like I have just quit paying. He said that they will hold my loan for a short time in order for me to get a loan with an actual bank ( they are some type of trustee for a 401k plan ). I'm not overly sure of what i can accomplish by even reporting this companies employees actions ( or inaction 's ). I dont know if their negligence in failing to communicate with me may cause me to lose my 3 mortgage properties that I have carried with them for 16 years now. However, I would like to follow up with any consumer finance assistance for protection from the actions of this company Synovus.
07/04/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 77498	Web
XX/XX/XXXX Consumer Financial Protection Bureau XXXX : First Progress Card. ( Case number XXXX ) This is in response to the above matter in which Ms. XXXX XXXX complained about First Progress Card unfair, misleading and deceptive tactics. On XX/XX/XXXX, Ms. XXXX First Progress account was opened pursuant to First Progress Card application process and closed on XX/XX/XXXX. Ms. XXXX had a secured credit card with first progress in which she paid her money into the card as it was withdrawn from her checking account to the secured card. Then on XX/XX/XXXX on a Friday, XXXX, she called First Progress and spoke with their staff that she wants to discontinue the use of the card and ask for her secured deposit. She explained that she has secured other and better opportunity, stating clearly she no longer need the card because it was her money. The customer service representative agreed and promised her it will be closed and reminded her that according to her agreement, her deposit will be refunded. That was the end of the discussion in XXXX until she started receiving unsolicited letters. DECEPTION AND MISLEADING TACTICS OF FIRST PROGRESS CARD. First, On the letter dated XX/XX/XXXX, by XXXX XXXX, the Vice President of First Progress Card. ( Exhibit 1 attached ). The Vice President again alleged that said account of Ms. XXXX was closed on XX/XX/XXXX. Most recent evidence obtained from XXXX ( page 3 ). and XXXX ( page 20 ) shows First Progress is reporting otherwise that said account was closed on XX/XX/XXXX and XX/XX/XXXX. That is incorrect reporting based on FCRA reporting which is clearly a violation after written warning of the incorrect reporting. Second, First Progress claimed payment was not made hence the account was closed. The account has already been closed by me after my conversation with the customer service agent. No payment was expected by me after I had that conversation and the card was never used. Instead what First progress Card did was to deceptively open the account and charged on a late fees. Upon investigation, the {$84.00} alleged was from a late fee First progress card accessed on an already closed account by the previous owner. This is clearly an unjust enrichment. Finally, First Progress Card claimed, Ms. XXXX was mailed account statement explaining how the account was determined, I request for evidence of such letter because no letter was received by Ms. XXXX. In the absence of such evidence that a letter was mailed or received by me. How can it be verified? All the letters I have sent to First progress Card has been registered and signed for. Evidence attached. There has never been any written letter sent by First Progress card on this issue. If they had sent a letter, there should be proof of receipt. Based on the incorrect reporting on my credit by First Progress card, which violates FCRA, the Deceptive tactics of First progress Card and the trauma it has caused me. I hereby request First progress Card to delete the tradeline immediately from my credit report because they have reported incorrectly. Again, I request that they compensate me with the {$1000.00} for violation of the FCRA and the use of deceptive and intentional misleading tactics. Please contact me at the address above if there are any further issues with regard to this complaint. Sincerely, Ms. XXXX XXXX.
04/16/2019	Yes	Credit card or prepaid card General-purpose prepaid card	Unexpected or other fees	CA 90712	Web
I've held an account with XXXX XXXX ( XXXX XXXX, XXXX XXXX, TN XXXX ) since XX/XX/XXXX. I submitted for the prepaid card in the amount of {$250.00} which was paid via check to open the account. Recently, in XX/XX/XXXX, I received a notice that my annual fee was overdue and incurred a late fee for a new total of {$66.00}. ( Annual fee is {$39.00} and the late payment charge was {$27.00} ) The full payment was by check and mailed, as this is the only option they allow for payment, and to the only address which is a PO Box as well. The next months bill showed my payment of {$66.00} and a new fee of {$38.00}. No purchases were made using the card in a very long time, and no " charges '' were listed on the bill. Yet my new bill amount was listed as {$100.00}. Admittedly and due to the fact I don't use this card, I hadn't been paying attention to the monthly paper bills because I wasn't using it, so this went unnoticed until yesterday XX/XX/XXXX when I received a " refund check '' from them in the amount of {$100.00}. I called the " customer service number XXXX to ask why I was receiving a " refund check '' and they shared that when they closed my account, without notification, this amount was to refund my remaining balance of the original {$250.00} of my money I used to secure the credit line. When speaking with Customer Service, the representative kept saying there were late charges and fees, but I asked why, he could offer no answer. So I was transferred to " Billing Dispute '' and restated my questions to which I was told that she was unable to " see that far back into the billing history '' I asked why the person handling disputes can not see 6 months of billing history to help resolve problems and I received no logical answer. In short, these fees, in ranging amounts of {$27.00}, {$38.00} and up to {$39.00} were being charged, all with zero purchases and a XXXX balance, minus fees that were being charged, only being late due to the first erroneous late charge to a total of {$190.00} on the bill due XX/XX/XXXX. I received my last bill that seemingly " erased '' those fees and brought my balance down to XXXX, my account was closed, without notice and was sent a " refund '' of {$100.00} or {$140.00} less than the amount I PREPAID to secure the card. I asked if they would refund the remaining balance of {$140.00} and the representative went back into the circular conversation of my fees, even when I asked, why would I have a fee if my total due was {$66.00} if I paid {$66.00}. They are trying to take advantage of people and it's upsetting to think of those people that would really be hurt by this dishonest behavior. Even using their own math, they claim I owed them {$190.00} but sent me a check for {$100.00} these amounts exceed {$250.00}, so the math isn't even logical. I've never heard of a company charging less than their billing statement and then on top of that, sending a refund check ... it just doesn't add up, that and the escalating " late fees '' that should have at a minimum been consistent or provided an update to terms fees and charges which they did not. Thankfully, my credit is great now, due to other credit cards and loans I've always paid on time with no surprises or tricks and gotcha tactics. To charge a late fee on a late fee when there is a {$0.00} is fraudulent at least.
06/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 22315	Web
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, XXXX, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, Dept of Ed/XXXX, US dept of education XXXX XXXX XXXX XXXX XXXX XXXX First Progress XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX, XXXX it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, Dept of Ed/XXXX US dept of education XXXX XXXX XXXX XXXX XXXX XXXX First Progress XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX, and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
08/02/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	TX 77036	Web
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Social Security # XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX, XXXX, XXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies. Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the XXXX timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : XXXX. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611. CREDITOR CONTACT INFORMATION : FIRST PROGERESS CARD XXXX XXXX XXXX XXXX XXXXXXXX, TN XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines. Sincerely, XXXX XXXX
07/08/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33470	Web
Dear Sir/Madam, I hope this letter finds you well. I am writing to bring to your attention a distressing situation I have recently encountered as a customer of Synovus Bank. I have discovered the existence of an account with your bank that I have no knowledge of, and I strongly suspect it to be a case of identity theft. Furthermore, I believe that Synovus Bank 's handling of this situation may be in violation of the Fair Credit Reporting Act ( FCRA ). I have obtained the following information about the fraudulent account : Account # : [ XXXX ] Account Type : Collection Account Type - Detail : XXXX XXXX Code : Individual Account Status : Derogatory Monthly Payment : - Date Opened : XX/XX/XXXX Balance : {$65.00} No. of Months ( terms ) : - High Credit : {$65.00} Credit Limit : - Past Due : - Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Comments : THIS IS NOT MINE I want to emphasize that I have never opened or authorized any such account with Synovus Bank XXXX This account has been wrongfully associated with my name and personal information, leading to significant concerns and potential harm to my financial well-being. Under the Fair Credit Reporting Act, it is the responsibility of financial institutions to ensure the accuracy and integrity of the information they report to credit bureaus. Based on the information provided, it appears that Synovus Bank has violated my rights under the FCRA by reporting inaccurate and fraudulent account information to the credit bureau, thereby damaging my credit profile. In addition to the actions requested in my previous complaint letter, I request the following : Conduct an immediate investigation into the origin and handling of this fraudulent account, ensuring compliance with the Fair Credit Reporting Act. Rectify any inaccuracies or discrepancies in the information reported to the credit bureau, including removing the fraudulent account from my credit report and updating it as fraudulent. Provide me with a written explanation of the steps taken to rectify the FCRA violation and restore the accuracy of my credit report. Implement internal procedures and safeguards to prevent similar violations of the Fair Credit Reporting Act in the future. Furthermore, I have already filed a police report regarding this incident, which outlines the identity theft and fraudulent account associated with Synovus Bank. This police report serves as evidence of criminal activity and emphasizes the seriousness of the situation. I trust that Synovus Bank will handle this matter with the urgency and sensitivity it requires, not only to address the fraudulent account but also to rectify the violation of my rights under the Fair Credit Reporting Act. I request a written acknowledgment of this complaint within [ Specify a reasonable timeframe, e.g., XXXX business days ] from the receipt of this letter. Please provide me with a dedicated point of contact whom I can reach out to for updates and further communication regarding the resolution of this matter and the FCRA violation. Should the matter not be resolved to my satisfaction, I may be compelled to seek legal recourse and escalate this complaint to the appropriate regulatory bodies. Yours faithfully,
01/01/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	NV 89074	Web
To whom this may concern, I have been in a state of disgust for quite some time now due to a Creditor ( First Progress/XXXX XXXX ) and the credit Bureau XXXX. To begin the Creditor First Progress/XXXX XXXX is a fraudulent and despicable company that continues to report fraudulent and incorrect information to the XXXX Credit Bureau. Secondly XXXX should be ASHAMED of themselves for allowing and not standing firm in regards to following the FCRA rules and regulations in regards to consumers. I just pulled my XXXX credit file and have seen yet again the same discrepancy as before. The creditor First Progress/XXXX XXXX is still reporting falsely and inaccurately on my XXXX Credit Report and both the Creditor and XXXX is to blame. The account number shows as # XXXX on my XXXX file with a " Paid, Closed '' Status and a report of 7 ... SEVEN charge offs! This is unbelievable, wrong, fraudulent and it needs to be updated and REMOVED from my XXXX Credit File immediately ( meaning within the next 30 days upon the FCRA ). This account shows " closed '' in XX/XX/XXXX and was updated on XX/XX/XXXX of XXXX with somehow late payments on a CLOSED account from XXXX showing in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and last but not least XXXX of XXXX. All of the above information is OBVIOUSLY incorrect, misleading and again Fraudulent. Please be aware that I am exercising my consumer rights under the FCRA that any and all information that is reporting inaccurately, incomplete and unverifiable information must be removed from my credit file. Please make note that the Creditor and XXXX are reporting inaccurate information ( The account was Closed in XXXX and there is no possible lawful way that an account can be closed but yet still reporting late payment 4 years after as if the account is open ). The Creditor and XXXX are also reporting and allowing to be reported incomplete and unverifiable information due to the fact that the Creditor in which and whom I've already asked to verify this account as mine by sending me something with my physical signature on or agreement signed. The Creditor First ProgressXXXX XXXX was not able to do so because the account is not Valid. They stated they can only send the application they see which again is not a verifiable document. Also under the FCRA All incorrect information must be removed from the credit file. The acts of First Progress is unlawful and quite tacky and XXXX is allowing them to report this inaccurate information. I have disputed and asked XXXX to ask the company for actual verifiable information in prior disputes in which they failed to do so as well as failing to follow the FCRA guidelines and regulations by actual researching and putting the pieces of the puzzle together themselves and removing this creditor from my report. Please also be aware that I have documented ALL disputes as well as have pictures of the reporting 's on my credit file, and if I need to start a lawsuit for the false reporting I will do so. I truly hope and expect for the creditor to be removed from my credit report in the next 30 days. Thank you for your time. XXXX
02/22/2022	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	GA 30044	Web	Servicemember
On XX/XX/XXXX at XXXX PM, I received a text from " Synovus Fraud Dept '' asking if I attempted a transaction of {$86.00} at XXXX XXXX XX/XX/XXXX. The text indicated that I should type XXXX. If NO I would receive a call from customer service shortly. I said NO since I didn't make a purchase at XXXX, and received a call moments later. The gentleman on the other end of the line explained that he was from Synovus Bank and proceeded to ask me to verify information to make sure it was me. He asked me for my mobile banking id, and at the point I asked him how I knew this was the bank. He told me to check the phone number on back of my debit card and I would see that phone number he was calling from was in fact the bank. I checked and the phone number was from the bank. He asked me for my information and sadly I gave it to him thinking he was a customer service person at the bank. He then told me that someone was attempting to make a XXXX ( someone named XXXX ) transaction on my account in the amount of 250 and he asked I authorized that transaction. I said no I did not. He said, OK, you will be getting a text in just a bit asking you if you authorized, go ahead and answer yes, because if I answered yes, he would be able to stop it from the bank, if I said no, I would have to dispute with XXXX. Believing him, I said yes. Then I got another text from someone else saying that XXXX requests {$240.00}. I was starting to get a little nervous and suspicious and he kept putting me on hold and then he disconnected. I immediately called XXXX XXXX at XXXX and held on the phone for about 20 minutes. Finally someone came on the line and I explained what had happened. They immediately froze my account and cancelled my debit card. I was advised to go to a branch the next morning and speak to someone there about what happened. I did that the very next day. I went to the XXXX, GA branch and spoke to XXXX. I was there for about an hour. We ended up closing my account that I had had for 30 years and cancelling my debit card. In the meantime the bank put a hold on my account for online service for 60 days! Of course my XXXX was also disabled. I received a letter from Synovus on Friday the XX/XX/XXXX stating that they had done a " thorough '' investigation and decided that I approved those XXXX transactions and I would not be reimbursed. This is absolutely ridiculous since the scammer got my phone number from them in first place! Synovus was compromised! Their phone number was spoofed and somehow, I'm out close to {$500.00}. When I called Synovus on XX/XX/22 to find out why they had come to this conclusion, since no one called me or asked me anything about what happened before making the decision, they told me I would have to take it up with XXXX. When I call XXXX on XX/XX/22, the automated answering service says that I have to go to my Financial Institution. If the bank didn't know I had been scammed, why did they close my account and why is my account blocked for online banking. I did everything in my power once I figured out that I had been scammed. I did everything they told me to do. Please help in any way possible.
01/11/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NV 89074	Web
To whom it may concern, I'd like to begin by stating that with every dispute and or complaint given I am keeping all documentation including the company 's rebuttal 's in means to having all evidence for a law suit if needed. On XX/XX/XXXX I received a response from Vice President XXXX XXXX from First Progress Card in regards to my last complaint submitted. In the letter Mr XXXX states that " First Progress worked with Synovus to prepare the response as part of Synovus ' standard oversight of First Progress. '' Please note that I have already previously spoken to a Synovus representative in regards to the account # XXXX. In that conversation the representative stated that " Synovus had nothing to do with Credit reporting as to them being solely the Bank/Backing for First Progress Card and that all disputes and information would have to go through First Progress directly. '' Mr XXXX then goes on to state that " First Progress has only ever reported this single account to XXXX and the other credit bureaus. The attachment to the complaint is not provided by their company and they therefore can not address my claim that seven ( which is now showing 8 ) chargeoffs have been reported on my account. '' I find this rebuttal from Mr. XXXX very funny, tacky and absurd on top of being a blatant lie, because it's clear as day that their company is the one reporting the incorrect information because THEIR company ( First Progress/XXXX XXXX ) is the one listed on my credit file that you'll find attached clear as day! Mr. XXXX then goes on to state that " their credit reporting has been accurate and in the absence of a reason why their credit reporting of the unpaid balance would have been inaccurate, they are therefore unable to submit a request to the credit bureaus to remove the account from my history. '' In rebuttal I have attached my credit XXXX Credit file to this letter to show and PROVE that First Progress/XXXX XXXX has been consistently reporting incorrect and fraudulent information to my credit File. Also again please note that as requested I asked for verification of the account belonging to me with something with an actual wet signature and nothing has been provided. Secondly please be aware that in the State of Nevada the Statute of Limitation is 4 years in which this account has been past since XX/XX/XXXX Thirdly again under the FCRA LAW and as a consumer being able to exercise my rights please be clear that this company is not following the FCRA guidelines or rules in which ALL information reported by a creditor needs to be up to date, correct and true in which this Creditor has not been and is unwilling to follow the law. First Progress has been reporting out of date, fraudulent and incorrect information to my credit file since XXXX and this item needs to be removed from my credit file within 15 days under the FCRA Law. Please see attached the letter from Mr. XXXX as well as my actual XXXX Credit file showing the 8 chargeoffs and late 's and other incorrect information reported by First Progress/XXXX XXXX after the account being closed on XX/XX/XXXX.
07/05/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	ME 044XX	Web
Upon signing up for the First Progress card and logging in for the first time, I became aware that payments could not be processed through the card 's online portal and that First Progress requires payments to be submitted via check ( or Bill Pay through another financial institution ). This has been a major inconvenience that was not disclosed prior to signing up for the secured credit card, but as I was attempting to build my credit I did not want to close the card and continued using it. On XX/XX/XXXX I logged on to the card 's website to check my balance in hopes of paying of the entire balance of the card to find that First Progress had begun accepting online payments through their website. I submitted my account and routing number and made a payment for the full statement balance and I received a confirmation number at the time it was submitted. A message at the top of the screen showed the payment received. On XX/XX/XXXX I received a notification from a Credit monitoring app ( XXXX XXXX ) that First Progress had marked my account as delinquent. Upon logging into the account I could still see the message stating that a payment had been received on XX/XX/XXXX, however, the payment had not yet been drafted from my account ( I use a checking account solely for credit card payments and the entire balance of {$340.00} was still present in the account ). I disputed the charge with the credit bureaus as I had paid the account in full, had a confirmation for the payment, and in addition, First Progress had added a finance charge to the balance of {$340.00}, increasing my balance to {$350.00}. First Progress does not have any language that I was able to locate on their website about the timing of payments submitted through the " Make a payment '' feature of their website, therefore it would be impossible to know that a payment submitted on XX/XX/XXXX would not be processed by the due date ( the XXXX of each month ). I have continued to monitor my First Progress account and personal checking account and upon logging in today, noticed that the payment I submitted has disappeared completely from their website. There is no longer a confirmation message/number at the top of the screen, the payment was never drafted from my account, and there is no evidence that a payment was ever submitted on my part. I do understand that it's possible the payment was not successful ( perhaps a computational error of some sort ) but I was not notified in any way of a failed payment. I do have a screenshot from XX/XX/XXXX showing the messaging on their website confirming this payment was " received '' Obviously my first course of action would be to contact First Progress to remedy this. Upon trying to contact First Progress today to rectify this issue ( determine why the payment was never processed, how to pay off the balance of the account, ensure I am not charged a late fee, and close it completely ) the phone number fails to connect. I am hesitant to submit an additional payment and also fear that my credit will be further impacted by this gross error.
03/07/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	TX 78218	Web
As of XX/XX/2023, I sent this message to the billing department of the First Progress Credit Card Company via fax : Im filing this complaint/dispute on the company First Progress due to the unprofessionalism, the continuous of misleading information given by all of your customer service representatives and as well as your supervisors. As Im writing this Im am currently livid at one of your supervisors by the name of XXXX who hung up in my face after comfortably disrespecting me & had the audacity to call me a racial slur. For the past previous times Ive tried to make my minimum payment each month & have received confirmation numbers stating that the payment was scheduled to be drafted out from my bank account. However, the payment has been reversed to me twice without any other explanation other than insufficient funds. I find that hard to understand because on both occasions the funds have been available. You guys have my correct & verified bank routing & account number on file which has been confirmed by your unreliable representatives. As of XX/XX/2023 around XXXX XXXX I called in requesting to speak to a supervisor in regards to why my payments arent being posted to my account. Your employees have failed to tell me why? My actual bank has informed me that the funds are available as well so it should be no issue that should prevent the funds being returned, me occurring {$30.00} NSF, & points taken away from my credit score. At this moment I would like for your company to pull each and every single recorded phone call Ive made with your representatives and supervisors because I want to file a complaint. And every single employee who I spoke with, I would like them to be reprimanded or terminated once again due to the unprofessionalism along with the disrespect Ive occurred. Your agents are completely dishonest & scammers it seems. Since the beginning of my I was charged with 2 {$10.00} fee because I had no choice but to make my payments with an agent because my account did not provide me the option to pay through my First Progress app and mailing the payments in wasnt going to be effective due to how my payment schedule is setup. In closing I am seeking legal counsel due to all the issues Ive been experiencing with your employees especially after speaking with the supervisor XXXX who called me the XXXX XXXX. I would like the remarks and negative impacts removed from my credit score somewhat ( your company needs to figure it out ) and on top of that Im not making any more payments to you guys as of right now until my requests are executed. I will be filling multiple disputes with my bank for all of the funds I sent you guys as all. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for 15+ years Ive never witnessed any low class behavior from a worker. And now that it is XX/XX/2023 & no response back or resolution has been provided. And with the account closure had occurred. I accumulated late charges, NSF fees stacked with high interest which I dont believe is my fault or why I have to pay for.
07/10/2017	Yes	Mortgage Home equity loan or line of credit (HELOC)	Closing on a mortgage	GA 30341	Web
I was approved for a XXXX HAFA short sale on XX/XX/XXXX by XXXX XXXX the first mortgage holder. I also has a 2nd lien from XXXX XXXX XXXX XXXX/Synovus. I was notified on XX/XX/XXXX from XXXX XXXX and XXXX XXXX that they would consider a {$7500.00} payment from the first lien holder. Six months later I had negotiated a contract and the condition for the first was that the XXXX could get {$6000.00} which was negotiated in the contract. When I told XXXX XXXX XXXX XXXX I had a contract and was ready to close they said they would NOT forgive the debt ( {$55000.00} ) but would release the lien to allow it to close. The payment was only {$55.00} a month at the time and I did n't know what else to do. Although, a condition from XXXX was never met.. '' prior to releasing any funds to a subordinate mortgage/lien holder, the servicer through its agent must obtain written commitment from the subordinate lien holder that it will release the borrower from all claims and liability relating to the subordinate lien in exchange for receiving the agreed upon payoff amount. '' The clear intent of this government program was to help customers who were underwater on the values of their home to avoid foreclosure. XXXX XXXX XXXX XXXX refused to accept ANY funds, even if it reduced my liability. They clearly skirted the real intent of this program by not accepting any funds thinking they could still go after the borrower for the full amount of the lien. How can they arbitrarily pick and choose which customers they decide to accept the short sale on and which ones they do not? I met all the terms for the HAFA program. I closed on the short sale XX/XX/XXXX and never signed a new note or understood the terms at closing. On XX/XX/XXXX I received a " Demand for Immediate Payment '' letter for the {$55000.00} which was the first notification I received although I had been paying the {$55.00} on time. Apparently it was a 10 year note and it was due. They gave me 10 days to pay off the note. I hired an attorney and have been trying to settle. I offered them {$10000.00} ( which I do n't think I even owe that ) and they would NOT accept any payment but wanted the entire amount. The question is.. was in XX/XX/XXXX a 2nd lien holder under a HAFA loan allowed to not accept any monies and in turn go after the full amount from the borrower? In the servicing Guide of XXXX, Part VII, Section 604 : Preforeclosure Sales it reads XXXX XXXX IS REQUIRING ANY PAYMENTS TO SUBORDINATE LIENHOLDERS TO BE PAID FROM THE SALES PROCEEDS AT CLOSING FOR EITHER A SHORT SALE OF DEED-IN-LIEU OF FORECLOSURE, IN EXCHANGE FOR A LIEN RELEASE AND FULL RELEASE OF LIABILITY FOR THE BORROWER. ALLOWABLE PAYMENTS FROM THE SALES PROCEEDS TO ALL SUBORDINATE LIENHOLDERS TO FACILITATE LIEN RELEASES MUST NOT EXCEED {$6000.00} IN AGGREGATE. XXXX XXXX XXXX XXXX/Synovus is requiring {$55000.00} to release the lien. Again, this was clearly not the intent of this program. My attorney felt like I was " strong armed '' in to closing this deal.
09/20/2022	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	IL 60654	Web
I opened a bank account with this bank as well as a personal loan for XXXX. My first payment was end of XXXX in which I made this payment. When I attempted to make my second payment at the end of XXXX I was blocked by the banks portal ( error code on picture attached ) The only way to make a payment on the loan is to pay from the bank account and transfer to the loan. I was shown how to do this by the banks customer service team. After receiving an error multiple times I reached out to the bank. They informed me the system may just be down and try again tomorrow. The problem continued and I began calling the customer service center trying to figure out a solution. It wasnt until around XX/XX/XXXX that I reached supervisors who informed me my checking account has been under review and suspended since XX/XX/XXXX. I can not transfer money to the loan from the account. When I asked for a solution I was told there is no way except to talk to the specific branch. The branch I received this loan from closed and moved down the street. They also let go of the loan officer ( which they told me to contact ) so they say I dont have one now I have to deal with that specific branch. They then reported to all credit bureaus that I have two late payments and have refused to pay even though Ive tried to pay the entire time. I have to now buy a plane ticket down to Florida just to go to this specific branch to authenticate so they will release my funds and ALLOW me to pay on the loan. This biggest problem is the fact they have reported 2 late payments and a third is a big deal. I am a struggling small business owner and this bank has lowered my credit score 70-90 points with this crazy process. They are also in violation of pursuant 15 USC 1681-2 because they never informed me my account was blocked, they know Im attempting to pay and they arent giving me information as to why I cant transfer money from the account to the loan. The history of the loan also doesnt financially make since. If you look at where the loan started and what I payed with the fees they added ( wrongfully ) the math doesnt add up. They have added other fees and not added them to the account. ( Shown in picture of loan history ) This situation is ridiculous, a customer should not have to fly to a different state to solve an error that is only in the banks hands and my credit shouldnt be destroyed because of their error and lack of organization. My next step will be legal if this isnt handled. The bank also broke 15 U.S. code 1666b- timing of payments. I was never informed my account was locked.I was never given any information that I wouldnt be able to pay my loan. It wasn't until calling 30+ times one person happened to mention the account was under investigation and i learned this XX/XX/XXXX. Whats even worst is the account doesnt say anything is wrong on the portal, just saids open. The specific branch is XXXX XXXX XXXX XXXX Florida XXXX. General manager at this branch I spoke with is XXXX.
11/15/2023	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	FL 33323	Web
XX/XX/2023 Synovus Bank Subject : Report of Unauthorized ATM Withdrawals and Request for Investigation Account numberXXXX Dear Synovus Bank , I hope this letter finds you well. I am writing to inform you about a series of unauthorized ATM withdrawal transactions that have occurred on my checking account, as well as to request an immediate investigation into the matter. I kindly request your assistance in resolving this issue promptly. During my recent vacation outside the country, I received a text message alert regarding a possible fraudulent transaction. Upon receiving the message, I promptly responded by confirming that I had not used my card for any such transaction. As a precautionary measure, the bank locked my card to protect against any further unauthorized use. Now that I have returned to the United States and accessed my account, I have discovered multiple unauthorized ATM withdrawals that transpired on a daily basis. Surprisingly, the bank 's fraud detection system failed to identify any unusual activity, raise any red flags, or lock the card during this period. It is important to note that the only instance in which I used the card was to purchase gasoline at XXXX. In light of these circumstances, I urgently request that you take the following actions : XXXX. Report the card as lost or stolen : It is apparent that my card is missing, as unauthorized withdrawals have taken place without my knowledge or consent. Therefore, I kindly request that you immediately report the card as lost or stolen to prevent any further unauthorized transactions. 2. Initiate a dispute : Given that all the ATM withdrawals conducted using my checking account were unauthorized and fraudulent, I hereby request that you open a dispute for each transaction. I expect that the necessary measures will be taken to ensure that the funds wrongfully withdrawn from my account are returned promptly. 3. Conduct a thorough investigation : I further request that your institution conducts a comprehensive investigation into the matter. As part of this investigation, I kindly ask that you retrieve and review the ATM camera footage from the locations where my card was used to withdraw funds without authorization. I believe that this evidence will help identify the individuals responsible for the fraudulent transactions. I trust that you will handle this matter with utmost urgency and professionalism. It is of utmost importance to rectify this situation promptly and to ensure that appropriate safeguards are put in place to prevent similar incidents from occurring in the future. Should you require any additional information or have any questions, please do not hesitate to contact me via email at [ Email Address ] or by phone at [ Phone Number ]. I am available at your convenience to provide any necessary documentation or further assist in your investigation. I appreciate your immediate attention to this matter and look forward to a swift resolution.
04/07/2021	Yes	Checking or savings account	Incorrect information on your report Information belongs to someone else	FL 32507	Web
XXXX XXXX XX/XX/2021 was told that I did not give permission to my boyfriend to close account and they noted that they did not talk to him after he had in fact talked to a lady for over 30 mins. The man was very rude and would not hear me out to validate and transferred me to XXXX and she said there was three card numbers and I do not have one card. I told them to close account numerous times and they refuse. They said they mailed a new card and I never received it! Then she said a letter was mailed XX/XX/XXXX explaining why charges were on the card for XXXX to XXXX. The letter will have more info than she could give me, she stated! Also was the first to tell me there was a credit on another card for XXXX and could not tell me how I would get the credit back and said another card had a balance of XXXX to XXXX XXXX and I disputed that did not do. Then she told me she would have to transfer me back to customer service where they were rude. I told her again I wanted account closed. Then she said the customer service would have to do it, but they had already had told me that they could not do it and that is why they transferred me. She then put me on hold to await for transfer. I have been trying to close this account since the fraud activity happened early XXXX. They were supposed to get back to me from 30-60 days from that and that time has come and gone. I do not understand why this is taking so long. I feel like they are a fraud company, and was suggested by them from XXXX to build my credit after identity theft is the only reason I did it and had to pay XXXX for a XXXX credit line which is ridiculous! I want my money back from that as well. Plus, you have to pay online and there is two fees just to pay them money one is XXXX and the other is XXXX. I would advise people to clearly stay away from this company. I want this solved ASAP! I am tired of being put on hold, and transferred for over an hour now. I can not do anything else but this and my day is already full and I am very sick with XXXX and I do not need any stress according to my doctor, but it seems there is no getting away from it! I am sending this forward without talking to customer service again. I will update if and when I actually get to talk to someone. I have been on the phone since XXXX XXXX this XXXX with all kind of phone calls and problems from health to trying to work of which I can not do effectively. I keep getting interrupted from collection agencies. Finally, someone else to talk to! XXXX answered and she said she was sorry and she said will process closure of account! I would not get money back for 10 weeks! I would have to fax to expedited and would not give me the card number of card but I could use SSN. I requested validation of closure id number. XXXX. She hung up on me before the conversation ended and I was requesting documentation of all this via email. Not sure she heard me! I still want it in writing.
08/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	MD 21207	Web
I am responding to your business reporting a debt you are trying to collect. You reported on all three credit bureaus XXXX, XXXX as well as XXXX by postal mail, on XX/XX/2023, and identified the debt as verified debt owed. Please supply the information below so that I can be fully informed : Why you think I owe the debt and to whom I owe it, including : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay. The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. State the amount of the debt when you obtained it, and when that was. If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. Tell me when the creditor claims this debt became due and when it became delinquent. Identify the date of the last payment made on this account. Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that.
05/03/2017	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	CA 92277	Web
This 2nd d ispute is explained in detailed with all of my attachments. This the companies first and only response. They did not address me personally through phone, email or mail contact. I tried many attempts to pay the {$62.00} debt but upon contact the number listed I never received feed back. First Progress Card XXXX XXXX XXXX , XXXX XXXX XXXX XXXX , PA XXXX XXXX XXXX XXXX , 2016 Consumer Financial Protection Bureau u Re : XXXX XXXX ( c ase number XXXX ) XXXX XXXX ( First Progress ) is writing in response to your letter addressed to Synovus Bank k ( Synovus ) , regarding the above referenced complaint. Synovus i ssues secured credit cards backed by a cash security deposit ( Card ( s ) ). First Progress is the program manager and provides customer service for the Cards. First Progress worked with Synovus Bank to prepare this response as part of Synovus standard oversight of First Progress. Synovus has been provided with a copy of this response. XXXX XXXX requests that the negative credit history reported on her accounts be removed from the credit reporting agencies files. According to our records, this account was opened XXXX XXXX , 2016 purs uant to XXXX XXXX online application. The last payment, {$65.00}, was received on XXXX XXXX , 2016 a nd posted to the account the same day. XXXX XXXX called our Customer Service department on XXXX XXXX , 2016, at which time she explained that she had lost her previous job, but recently began working again and intended to bring the account current. She did not request that her account be closed. The account therefore remained open until XXXX XXXX , 2016, b y which time additional late payment fees and interest had accumulated in the absence of any payment. The security deposit of {$500.00} was credited to the account on XXXX XXXX , 2016. As XXXX XXXX did not use the card after the XXXX XXXX call, and in light of her difficulties as described in the complaint, we have waived all of the late fees and finance charges assessed since XXXX XXXX , a total of {$120.00}. A balance does remain past due on the account, however as a result of a gas purchase ( gas purchases may exceed the available credit limit because the amount of the purchase can not be determined prior to approval and is posted later by the merchant ) and for fees and charges which accrued prior to XXXX XXXX . As of today, we have reviewed XXXX XXXX accounts, and the information reported does not reflect a bank error. We are therefore unable to fulfill her request for an amendment to her credit files. Please contact me at the address above if there are any further issues with regard to this complaint. Sincerely, XXXX XXXX Vice President
05/15/2020	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	GA 31904	Web
Synovus Bank XXXX XXXX. XXXX XXXX XXXX, GA XXXX Whenever I as asked the teller to give me a printout of my checking account through the drive thru, one was never given. I would pull off and not get the copy. Also, my daily limit was supposed to be XXXX. On some days the bank allowed withdrawals over the limit.However, the ATM at XXXX XXXX XXXX XXXX XXXX Georgia either malfunction and my funds were being taken out by someone who had my information because the card was stuck in the machine before I realized it. I went back to the store and one of customers gave me the card. More than XXXX plus was taken from the account. When I realized what was going on from working 12 hours shifts, I reported it to the bank. The bank said they would return my call which took more than a week. I gave them the information as best I could and went about my business. I also asked them why were they charging fees during COVID19? The bank went in and refunded the maintenance fees but not my money because it was so many disputes. A representative called and told me to file a police report. I asked her if I had to pay for it. I also told her that the rep that took my statement said they were going to put it in as fraudulent because saying ATM machine malfunctioning or having glitches sounded suspicious. I said whatever because I had friends tell me that either the machine had a faulty dispenser, worn out card reader, damaged or broken keypad, software glitches or receipt malfunction. The ATM machine I used at the above address did not dispense a paper receipt whereas I had no proof to submit to Synovus Bank. The representative said she would call me back if they needed me to file a police report. No call was made back to me. However, I received the results from them saying the withdrawals are all accurate and no funds charged back into my account. Something happens and I could be wrong but this has been going on for awhile. Yes, I have used the machine in the past but I was completely wiped out of my funds. So if the withdrawals were accurate, then why did they refund the maintenance fees and why has an attorney contacted me saying that Synovus placed charges on customers accounts when they should not have. All I know is that recurring and consecutive charges were made on my account either by the store where I once frequented because I stopped on the way home from work or someone in the bank accidently printed too many charges. The bank says this kind of thing never happen, but it does. However, someone knows how to use a debit card with and without a pin number. The bank says to report these activities and they will cover the charges but they don't. They need to send me the actual investigative report so I can know I was not scammed and who took the rest of my money.
08/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33023	Web
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
09/06/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30032	Web
XXXX XXXX XXXX XXXX ( XXXX minutes ago ) to XXXX In accordance with the Fair Credit Reporting Act, specifically 15 USC 1681 section 602 ( a ), it is imperative to ensure that consumer reporting agencies conduct their responsibilities with fairness, impartiality, and a respect for consumers ' privacy rights. XXXX and XXXX are prominent consumer reporting agencies, and I, as a consumer, possess the fundamental right to safeguard my private information. This right is fortified by 15 USC 6801, which emphasizes Congress 's policy that financial institutions must consistently respect customer privacy and protect the security of their nonpublic personal information. Within the framework of 15 USC 1681 section 604 ( a ) ( 2 ), it is explicitly outlined that any consumer reporting agency may furnish a consumer report solely in accordance with the written instructions of the respective consumer. Neither the financial institution ( referred to as " Furnisher of information to credit agencies '' ) nor the consumer reporting agencies, XXXX and XXXX, have obtained my consent, written or otherwise, to furnish this information. Further, 15 USC 6802 ( b ) ( c ) mandates that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without providing the consumer with an explanation of how to exercise the nondisclosure option. However, the Furnisher of information to credit agencies never informed me of this right, thus breaching this statutory requirement. Additionally, 15 USC 1681C ( a ) ( 5 ) explicitly prohibits consumer reporting agencies from including certain adverse information in consumer reports without authorization. This account is an adverse item being reported without my consent, which is a clear violation of the law. Furthermore, 15 U.S. Code 1681s2 ( A ) ( 1 ) stipulates that no person shall furnish inaccurate information to a consumer reporting agency, while 15 U.S. Code 1681e mandates that consumer reporting agencies maintain reasonable procedures to prevent violations and limit the furnishing of consumer reports to specific purposes. XXXX and XXXX appear to be in breach of these requirements. Lastly, as per 12 CFR 1016.7, consumers have the right to opt out of reporting services at any time. In light of the aforementioned violations and concerns, I am exercising my right to opt out of your reporting services. In summary, the Fair Credit Reporting Act and related statutes emphasize the need for fairness, privacy protection, and consumer consent in the reporting and sharing of personal information, and I assert my rights accordingly. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
06/29/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	CA 92708	Web
This is the certified letter I sent to them last week regarding my account see below. I have a credit refund balance since XXXX. They sent me checks of the years but I never cashed them because I wasn't aware of credit refund and thought it was a scam to cash. I contacted them in XXXX in XXXX and told then I didn't realize I had auto pay on my account and is requesting a credit refund of all the amounts taken from XXXX of opening of the account. I was making XXXX payments a month apparently. I mailed them this letter below since the correspondence department handles this and mail is the only option this is what I was told via phone. I contacted them today again for a follow up XX/XX/XXXX via phone and they stated they did receive my letter and stated it wasn't clear of what I wanted which I did indicate exactly my request of all monies owed to for overpayment to be sent to me via check. They are not willing to send me my check of monies owed and I am reporting them for fraud and not returning monies owed to me legally. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX Account # XXXX Attention : XXXX Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Request for Refund of Credit Balance Dear First Progressive, I hope this letter finds you well. I am writing to request a refund of the credit balance on my account with your company. The purpose of this letter is to request for a credit balance refund for the entire duration of account opened since XX/XX/XXXX. As a valued customer, I recently noticed that my account shows a credit balance. After reviewing my records, I have confirmed that this overpayment was made unintentionally. Therefore, I kindly request that you process a refund for the excess amount as soon as possible. I would appreciate it if you could initiate the refund process and provide me with an estimated timeframe for when I can expect to receive the refund. Please ensure that the refund check is issued with the full amount owed to me from the beginning of the opening of the account. If there are any further documents or forms required to complete this refund process, please inform me promptly. I am committed to providing any necessary information to expedite this transaction. I would like to express my gratitude for your prompt attention to this matter. I value your excellent customer service and I am confident that you will handle this refund request with the utmost professionalism. I look forward to receiving the refund at your earliest convenience. Should you require any additional information or have any questions, please do not hesitate to contact me via email or phone, as indicated above. Thank you in advance for your assistance.
09/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60619	Web
This is regarding a consumer credit transaction with your company. I demand that you Cease and Desist from disclosing/reporting any of my old/new " nonpublic personal information '' with all " nonaffiliated third parties '', which includes XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX etc.. 15 USC 6801 ( a ) clearly states : " ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Please be advised that you have a legal obligation to protect and not share my nonpublic personal information. " Nonaffiliated Third Party '' Defined : The term nonaffiliated third party means any entity that is not an affiliate of, or related by common ownership or affiliated by corporate control with, the financial institution, '' Furthermore, I Do not and have never given your company consent to share my nonpublic personal information, and should there be an " Non-disclosure '' clause in your agreement/contract giving you the option to share my nonpublic personal information, I am demanding that your company provide me with the original unaltered agreement/contract with said clause included so that I can opt-out of your sharing of my nonpublic personal information. Per 15 USC 6802 - Obligations with respect to disclosures of personal information Before you shared my nonpublic personal information with nonaffiliated third parties, you were obligated to A ) provide me with a physical or electronic notice informing me that my nonpublic personal information may be shared with nonaffiliated third parties, B ) Give me an opportunity, BEFORE such information was shared to direct that such information not be shared AND C ) Provide me with an explanation on how I can exercise such nondisclosure option. With that being said, you infringed upon my privacy, violated several federal laws and took advantage of me by not informing me of my rights. Due to your negligence and furnishing/reporting of my nonpublic personal information to nonaffiliated third parties such as XXXX, XXXX and XXXX, I have been damaged, embarrassed and forced to miss out on personal and business opportunities. I hereby demand that all negative information ( E.g. Late payments, payment status, status, remarks, payment history guide ) regarding the account referenced below be removed and updated to Paid on time, Paid as agreed etc. account number " XXXX ''. Should you accept my demand, I will not escalate this matter further to a federal complaint and or suit. Thank you for your attention to this matter. Sincerely, XXXX XXXX
07/08/2020	Yes	Money transfer, virtual currency, or money service Mobile or digital wallet	Fraud or scam	SC 290XX	Web
A company contacted me online about a loan, they told me they were going to deposit the loan money into my checking account, The Bank Synovus never has any material posted about online Fraud nor do they have post do not ever give out your information on checking account about loans.Why would anyone not update Bank and their activity on banking with online loan company and companies, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX all these are online companies that offer loan but are scam companies why don't Bank regulatory police extend an company to the consumer highlighted warning about these type of people, I didn't know, why hold me responsible for what is real and what is fake, I don't know this is what I depend on the Bank managers and employees to know when i used to be a XXXX at XXXX XXXX XXXX we had every company fraud check listed in a book and every company that issued checks we had a number to call if a check was issued. Maybe I having a covid virus XXXX I don't know but I needed a loan for money to move and for doctor bills and for a car, I thought they were legit, But now account is in the negative XXXX and bank gave me the money they said it was real. I ask several times. I put the money on XXXX cards and XXXX XXXX return to company for them to return money back as a loan they told me my credit was bad and that I had to establish credit and i could do that by returning the money in a fast pace in order to go to the next loan amount and then in the end I could get the amount I want for the loan. This all seem like a SCAM from the Bank Synovus Bank and XXXX XXXX XXXX I have no control over who has knowledge of a good or bad check I was taking a chance I depended on bank to tell the truth and they did not. Please try to help me because every bank I have been with has either scammed me or have done stolen Identity theft on my account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX settlement XXXX XXXX XXXX XXXX XXXX workers comp. settlement, XXXX settlement XXXX half stolen from XXXX XXXX XXXX. ITS like that or keep the change on the money all my life I have had money stolen from me, I never get to keep it to move or be safe, I can't understand who is doing this or if someone has vodoo or roots on me that know each and every time to steal it and I can't move or get a car, XXXX XXXX even sold me a car with faulty wiring that looked like it was in the flood I didn't know what is happen to the world know one wants to help. I said I want someone to help me not hurt me does help sound like hurt me help me please I can't believe that I keep getting SCAM banks cars loans and now seem like people, please think how to get along and help one another. THIS IS SCAM and ALONE looking for peace.!
10/31/2023	Yes	Credit card General-purpose credit card or charge card	Other features, terms, or problems Other problem	WV 254XX	Web
Re : Cease and Desist Letter Pursuant to 15 USC Dear First Progress I am writing this letter to formally demand that you cease and desist from any further activities or actions that involve my name, signature, or personal information in connection with any contracts or agreements, in accordance with 15 USC, Title 15, Chapter 41, Subchapter I - Consumer Credit Protection. I am exercising my rights under 15 USC 1602, which defines my Social Security Number as the source of credit used in transactions, thereby making it the basis for any financial agreements entered into. It has come to my attention that my signature has been utilized without my knowledge or consent in various contracts and agreements. Furthermore, I have reason to believe that these actions are related to unauthorized use of a credit card, which is prohibited by 15 USC. This serves as formal notice that I am rescinding my signature from all contracts associated with these fraudulent activities. I would like to emphasize that under 15 USC, the credit card referenced is intended for personal use and is not associated with any credit lending or loaning activities. Any representations made to the contrary are inaccurate and, as such, violate my rights and protections under federal law. I hereby request that you : 1. Cease any further use of my signature, personal information, or Social Security Number in any contracts, agreements, or transactions. 2. Immediately provide me with any and all documentation, records, or evidence related to the contracts or agreements in question. 3. Confirm in writing, within 10 days of receiving this letter, that you have ceased the unauthorized use of my personal information and have taken appropriate steps to remedy this situation. 4. Return to me all monies paid into or reported on my credit report under 15 U.S. Code 1635 ( b ) within the 20 days specified by law. Failure to comply with this cease and desist letter will leave me with no option but to pursue legal remedies available to me under the law, including but not limited to seeking injunctive relief and damages. This letter is not intended to be a complete or exhaustive statement of my rights, remedies, claims, or defenses. I expressly reserve all rights and remedies available to me under the law. I expect your immediate attention to this matter. Please consider this letter as a final opportunity to resolve this issue amicably and without further legal action. If I do not receive a satisfactory response within the stipulated time frame, I will have no choice but to seek legal redress in accordance with applicable laws and regulations. Sincerely, All Rights reserved XXXX XXXX XXXX XXXX estate Signature on file
04/28/2023	Yes	Mortgage Home equity loan or line of credit (HELOC)	Trouble during payment process	FL XXXXX	Web
After Hurricane lan hit XXXX Florida on XX/XX/XXXX XXXX changed our flood zone ( on XX/XX/XXXX ) to a " Special Flood Hazard Area- XXXX XXXX '' which according to FEMA means we ARE NOT REQUIRED to have flood insurance, because according to FEMA this is a MODERATE to LOW risk area.We have a freshwater canal behind our house that is designated as ZONE XXXX, and when FEMA drew the lines separating Zones, part of our pool cage fell in Zone AE. We have a complaint in with FEMA regarding this. Synovus holds an equity line of credit for us with a XXXX dollar balance.Our primary mortgage company has not forced flood insurance on us, but XXXX did.On XX/XX/XXXX we received a notice from Synovus stating that we had 45 days to acquire flood insurance for our property.We complied with this request and secured flood insurance within the 45 day requirement.This is where my complaint comes in. On XX/XX/XXXX we received a notice from Synovus stating that they received our flood insurance policy and NOW Synovus was going to back charge us for flood insurance they SUPPOSEDLY purchased for our property without our consent and without notifying us and now they are back charging us {$800.00} for what they called a " lapse in coverage '' dating back to XX/XX/XXXX when FEMA changed flood zones.This is outrageous. Synovus then charged our home equity line of credit for the {$800.00}. We have been in contact with XXXX XXXX ( XXXXXXXX XXXX XXXX Manager of Synovus Bank ) who has not been very helpful in resolving this matter. My question is, If Synovus knew about the change in flood zones and were requesting flood insurance on our home starting XX/XX/XXXX, then why didn't they contact us in XXXX to require flood insurance? Instead they claim they purchased a high premium flood insurance policy on our home without notifying us at the time and then decided to back charge us for the time we were unaware our home flood zone was changed unbeknownst to us We contacted our cities flood plane manager and he told us " It looks like the XXXX flood line clips your pool cage, which shouldn't put your structure in a flood zone as the pool foundation is separate from the residence foundation XXXX XXXX He also stated that, " lenders are frankly lazy into looking into this, and that FEMA 's designation is that " For floodplain management purposes, a structure is a walled and roofed building, including a gas or liquid storage tank, that is principally above ground, as well as a manufactured home. The terms " structure '' and " building '' are interchangeable in the National Flood Insurance Program ( NIP ) and therefore a pool cage is not a structure, ergo, if the cage is in a flood zone it is irrelevant. ''
01/11/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NV 89141	Web
XXXX XXXX XXXX is incorrectly reporting with the CRA 's ( XXXX, XXXX, XXXX ) that I owe a balance of {$180.00} on a closed/charged off account. How is this possible? If an account or trade-line is charged off, how is there a balance owed? A 'charged off ' account has been written off of the alleging company 's books and is usually covered by insurance or given some sort of tax credit. This trade-line CAN NOT be 'written off ' and have a balance and is CLEARLY in violation of federal law ( s ). The guidelines afforded to me, a litigious consumer are as follows .... When you provide information to a CRA, you have obligations under the FCRA to ensure the accuracy of the information you furnish. As a rule, its illegal to report information that you know or believe is inaccurate. You have " reasonable cause to believe '' that information is inaccurate if you have knowledge, other than allegations from the consumer, that would lead a reasonable person to doubt the accuracy of the information. FCRA Section 623 ( a ) ( 1 ) ( A ) You may be exempt from this requirement if you give an address for consumers to report inaccurate information, but you can not, under any circumstances, report information the consumer has told you is inaccurate if it is, in fact, inaccurate. FCRA Section 623 ( a ) ( 1 ) ( C ) Guidelines for Policies and Procedures You must establish and implement written policies and procedures regarding the accuracy and integrity of information you furnish to a CRA. Guidelines are in Appendix A to Furnisher Rule Part 660. Read the Appendix ; the information here is just a sample. Your policies and procedures : must be appropriate to the nature, size, complexity, and scope of your activities ; must be reviewed periodically and updated, as necessary ; should ensure that information provided to a CRA is for the right person, and reflects the terms of the account and the consumer 's performance on the account ; require maintenance of records for a reasonable amount of time ; establish internal controls for the accuracy and integrity of information, such as through random sampling ; prevent re-aging ( inaccurately changing the date of first delinquency on a consumers account to a later date ) and duplicative reporting, particularly following portfolio acquisitions or sales, mergers, and other transfers ; and require updating of furnished information where necessary. Information should : be substantiated by your records when it is furnished ; include consumer identifiers, like name ( s ), date of birth, Social Security number, telephone number ( s ), or address ( es ) ; and be furnished in a standardized form and specify the time period it pertains to.
12/15/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 92505	Web	Servicemember
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX RE : XXXX XXXX CARD Dear Credit Bureaus, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I HAVE INCLUDED DOCUMENTS OF PROOF ABOUT THIS COMPANIES ERRORS, AS THEY HAVE IGNORED MY DISPUTES FOR NEW REPORTING OR DELETION. 1 ) THE BALANCE IS INCORRECT : I HAVE ENCLOSED THE CORRECT BALANCE PROVIDED FORM THE COMPANY AND YOU CAN SEE ITS WRONG ON MY CREDIT REPORT 2 ) THEY HAVE REFUSED TO REMOVE MY LATE PAYMENTS ( WHICH WERE LATE DUE TO AN ERROR ON THEIR REPORTING SYSTEM ) EVEN THOUGH THEY VERBALLY SAID THEY WOULD. I WAS PROVIDED A REFRENCE # ON XX/XX/XXXX 3 ) AS OF XX/XX/XXXX THEY REPORTED I OWED THEM {$0.00}, WHICH WAS TRUE, THEN LESS THAN ONE MONTH LATER ON A CLOSED PREPAID ACCOUNT I SOMEHOW INCRUED {$140.00} OF CHARGES? INCORRECT REPORTING MONTH AFTER MONTH ON MY CREDIT REPORTS 4 ) KNOWINGLY REPORTING INNCORECTLY AGAINST ME I am distressed that you have included the ABOVE information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum accuracy in the credit reports you publish. BECAUSE OF THEIR NEGLIGENCE, XXXX XXXX CLOSED MY CREDIT ACCOUNT WITH A LIMIT OF {$1500.00} WHICH HAD A {$0.00} BALANCE. CITING RECENT NEGATIVE REPORTING AGAINST ME ON MY CREDIT REPORTS. THIS IS DIRECTLY BECAUSE OF FIRST PROGRESSS INNACURATE REPORTING OF MY ACCOUNT WITH THEM. I respectfully request to have all negative information they reported against me removed and the late marks must be deleted from all 3 bureaus reports as soon as possible : 60 days past due and the 2 months of late payments and the balance I do not have reported as {$0.00}. Which is incorrect as they actually owe me {$200.00}, as it was a secured card and I made all the payments in full and on time every month this card was open. This item is completely inaccurate and incomplete and is a very serious error in reporting. Please supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber you notified to me within 15 days. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your reinvestigation. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX
11/23/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30310	Web
In XX/XX/XXXX, I was experiencing issues with my hours and pay from being on leave and I made a mistake in falling behind on this credit card and made an effort to make a payment before XX/XX/XXXX by submitting a payment on Saturday, XX/XX/XXXX. I was expecting to receive payment from my employer on Monday, XX/XX/XXXX as my payment had been delayed due to when I started back working. When I returned to work that Monday, I discovered that I would not receive my paycheck until that Friday due to a system error. I called First Progress customer service department immediately to cancel the initial payment and submit a secondary payment from a different source. I was informed by the customer service representative that I couldnt do that as the payment was already pending but to not worry as the payment wouldnt be processed until that Friday, XX/XX/XXXX and therefore it would not be reported late. I took the representatives word on this. I checked my First Progress account on Friday, XX/XX/XXXX, and saw that the payment had been deducted and then returned on the XXXX, which contradicted the initial information that I had received. I contacted customer service again and spoke with another representative who confirmed that Id been given incorrect information and that I should have been told to call back the next day to resubmit the payment before it reported out to the credit bureaus on the XXXX as 30 days past due. I truly would have done so had I been initially told this important information. I was told that I could attempt to submit a goodwill letter to the company and they may be able to remove the payment as it is my only late payment. I did this and they agreed to remove the payment. I was informed that they had agreed to this when I called in two weeks later to check the status and that my report would be updated in 30 days. The update appeared in XX/XX/XXXX. I received an alert in XX/XX/XXXX that the late payment from XX/XX/XXXX had been added back to my report. This is after the company agreed to the removal. I haven't had any late payments at all on this account since this incident and I have kept the balance at {$0.00} each statement cycle. I contacted the company and they could not provide me with any information other than to fax them over what I initially sent. This is unacceptable. I decided to close the card today as this company 's business practices aren't ethical and I do not want to continue doing business with them. I have attached a copy of my credit report from XXXX as proof that the late payment has been removed. I also attached a copy of the letter that was initially faxed over to the company in XX/XX/XXXX.
04/29/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MD 20832	Web
I applied to open a secured Credit Account with First Progress / XXXX XXXXXXXX First Progress ( also known as XXXX XXXX ) is erroneously trying to charge me multiple Late Fees on top of a {$25.00} Annual Fee, and is Threatening and Harassing me by wrongfully reporting to credit agencies that my account is XXXX days Past Due. According to an email I received from XXXX XXXX on XX/XX/2023, my XXXX XXXX Checking Account was charged on XX/XX/2023 by First Progress in the amount of {$100.00} for the opening deposit required by this secured credit card. Without any warning whatsoever, First Progress/XXXX XXXX slapped a {$25.00} Annual Fee onto the secured credit card account, I swear or affirm under penalty of perjury I was never advised about this. First ProgressXXXX XXXX then slapped two additional " Late Fees '' onto my credit card account, in the amount of {$25.00} and {$41.00}, bringing the total balance to {$91.00}. I called to complain about these erroneous charges and the fact that I was never alerted about this balance even one time before my credit monitoring service alerted me that my credit bureau scores had dropped XXXX to XXXX points and one of my accounts was being reported as Late. To be clear, I HAVE NEVER USED THE CREDIT CARD FOR ANY PURPOSE. NO BILLS OR CHARGES HAVE BEEN APPLIED TO THIS ACCOUNT SINCE I MADE MY {$100.00} Security Deposit. I have contacted First ProgressXXXX XXXX and offered to pay the {$25.00} Annual Fee, they are refusing to accept this as payment in full, they want me to pay them {$50.00}, and is only willing to drop the last {$41.00} Late Charge. When I log into my account online, the First Progress/XXXX XXXX system says Current Balance {$50.00} but when I view the Current Balance Due it still says {$91.00} and their system will not allow me to make any payment less than the " Full Balance Due '' so I can not even make a {$25.00} payment and dispute the rest. In addition, First ProgressXXXX XXXX is using the credit reporting bureaus to try to Extort me for the payment, and as a result of their reporting, my credit scores have fallen XXXX to XXXX points in under 60 days, putting them in the range to where I can not effectively get a new car or purchase a home. This should be a CRIME. This is my account information : XXXX XXXX Card Credit Card XXXX Account # XXXX The XXXX XXXX Card Secured Mastercard is issued by Synovus Bank, XXXX, GA, Member FDIC. As of XX/XX/2023 I have also filed Disputes with Credit Bureaus through Creditkarma.com and I Complained to my State 's Office of Attorney General mediator, who advised me that the CFPB is the most appropriate agency to deal with this matter.
10/30/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	TX 75115	Web	Servicemember
On XX/XX/XXXX, I made a {$240.00} payment to First Progress MC for a " secured '' credit card. It was a {$200.00} deposit into the account and the {$49.00} membership fee. I made one purchase with this card on XX/XX/XXXX and paid the balance in full the next day. The company only takes Bill Pay so I setup a bill payment account with my bank account at that time and made the payment. It took 21 days ( 3 weeks ) for the payment to post to my credit card account. I decided then that I would not use the card anymore because the payment takes too long to post. So, I put the card up and did not use it. I knew, however, that the {$49.00} annual fee would be due soon, but I was not worried about it because I was expecting to get the statement in the mail. Today, XX/XX/XXXX, I received a First Progress statement in the mail. This is the ONLY statement that I have received this year and my balance is {$110.00}. The company billed {$49.00} on XX/XX/XXXX for the membership fee, {$29.00} on XX/XX/XXXX for a late charge and {$40.00} on XX/XX/XXXX for an additional late charge for a total billed amount due of {$110.00}. I WAS LIVID!! I called First Progress and asked for a supervisor. So, XXXX ID # XXXX, gets on the phone and tells me that the company has mailed me sixteen statements beginning on XX/XX/XXXX. I told XXXX that I received that statement, but I have not received a statement since XX/XX/XXXX. Then XXXX tells me it is not his company 's fault that I did not get my statements and that there must be a problem with the mail delivery. I told XXXX that I received ALL my other bills in the mail this year, but I can not understand why I have not received one statement from First Progress until my account is past due. I assured him that I have not received any statements and can easily prove it. I signed up for the USPS Informed Delivery service- the post office creates images of the mail for that day and then emails the images to me each and every day there is mail service. There are NO images of any First Progress statements, except the one that I received today. I depend on receiving my bills in the mail and email so that I can remember when to pay them. And paying the {$49.00} is not the problem... the problem is that First Progress has not mailed any statements to me. XXXX then tells me that I would not receive a statement and it is my responsibility to pay my bills. I asked him then why did he tell me that XXXX statements have been mailed to me? And why does the company offer " Paperless '' Statements? Of course, he got smart. I told him that I was reporting this because whatever they are doing is a fraudulent business practice.
04/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	IL 60148	Web
To Whom It May Concern : I am writing to dispute the charged-off account and inaccurate reporting associated with the above-referenced account number XXXX, as reported by First Progress. I would like to note that the account in question was discharged through a XXXX XXXX bankruptcy filing ; however, the focus of this dispute is not related to the bankruptcy itself. Despite not receiving Form 1099-C ( Cancellation of Debt ) from First Progress, which is a violation of the Internal Revenue Service ( IRS ) regulations, I have filed the discharged debt as income on my tax return, as I understood it to be a requirement. The failure to provide the 1099-C is a breach of the IRS tax code, and it is my understanding that you have taken a write-off for the debt in question. It is important to note that income is not required to be reported on a consumer report under the Fair Credit Reporting Act ( FCRA ). Section 605 ( a ) ( 4 ) of the FCRA specifically outlines that consumer reporting agencies may not include any information in a consumer report that is related to the receipt of public assistance benefits. It is my belief that the income reported on my tax return, which includes the discharged debt, qualifies as public assistance benefits and is therefore exempt from reporting on my consumer report. I request that you investigate this matter and verify the following : 1. The accurate reporting of the charged-off account on my credit report, considering that I have filed the discharged debt as income on my tax return despite not receiving a 1099-C from First Progress. 2. The validity of the reporting of the charged-off account. Please provide documentation supporting your findings and any actions taken to rectify the situation. If the investigation reveals inaccuracies in the reporting of the charged-off account, kindly remove the information on my credit report. If you maintain that the information reported is accurate, please provide me with a detailed explanation and any supporting documentation, including a copy of the signed agreement that established the debt and any other relevant information. Additionally, I request that you provide me with the 1099-C you failed to issue, as required by the IRS regulations . I kindly request that you respond to this dispute within 10 days, as the Fair Credit Reporting Act ( FCRA ) requires. Failure to do so may result in further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal counsel. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX
07/18/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	CA XXXXX	Web
First Progress has repeatedly reported inaccurate information on my credit report that has caused significant hardship. I have been fighting to get this inaccurate information removed for over 2 years. Back in XXXX, I submitted disputes to XXXX for inaccurate charge off dates and the company repeatedly verified this incorrect information. Frustrated with lack of action from First Progress I resigned myself to wait 2 years until this information would be removed because it is over 7 years old. I again disputed the incorrect information and account that was more than 7 years since the date of first delinquency and the company did not remove the account. Plus they reported the account as being charged off in XX/XX/XXXX and XX/XX/XXXX which dropped my score 40 points. The date of first delinquency was in XX/XX/XXXX therefore the negative information should be removed because it is over 7 years old. The company needs to remove this account off my credit reports or I will be seeking damages in court for the last 2 years of incorrect reporting. Here is the copy of my orginal complaint back in XX/XX/XXXX " After a dispute, First Progress Bank verified incorrect information on my XXXX Credit Report. In XX/XX/XXXX I first became delinquent on my First Progress Credit Card. The account was charged off in XX/XX/XXXX. Up until XX/XX/XXXX the account had the correct payment history and charge off date of XX/XX/XXXX reported on XXXX. I paid the account in full ( {$140.00} ) on XX/XX/XXXX. The next month, XX/XX/XXXX, my XXXX showed that my First Progress Credit Card was charged off on XX/XX/XXXX. They reported the charge off again on XX/XX/XXXX. This information was false so I disputed it on both my XXXX report. The company then verified the false information and the dispute was closed. I wrote and called First Progress to try to get this false information corrected. I have received no response. I spoke with the credit reporting agencies and they said there was nothing I could do other than file a complaint. '' For documentation I have attached a dispute from XX/XX/XXXX that shows the correct infomation but does not list a date of removal, I've attached XXXX dispute results that show incorrect charge off date and incorrect date of first delinquency, and XXXX dispute results with another incorrect charge off date and incorrect date of first delinquency. Finally, I have attached a letter from First Progress admitting the information is incorrect. It is the companies responsibility to report accurate information. I will be suing if you do not remove this from my report.
08/26/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Delay in processing application	FL 33510	Web	Servicemember
On XX/XX/2021 I applied for a secured credit card with XXXX XXXX Credit Card issued by Synovus Bank, XXXX, GA, member FDIC. The card was secured by a deposit of XXXX that was deducted from my checking account that same day. On XX/XX/XXXX I checked the status of my credit card. The website listed my deposit as pending and the credit card issuer had yet to receive or accept my deposit. I found this strange as the deposit was taken out of my account on the XXXX. I called the number that was very difficult to find and after speaking to 3 different people who all asked me for the same exact information and proceeded to transfer me to XXXX who supposedly needed to verify my personal information once more before my card could be approved. After verifying my information once more XXXX informed me that my deposit was accepted and my card was approved but I would need to call back in 24 -48 hours to confirm. I found this process odd and asked XXXX why did I the customer need to call back in order to finalize approval? XXXX told me that was the process and that was standard procedure. At this point I accepted what he said but asked for a supervisor. XXXX repeated that my card was approved and just to call back in two days. I told him the entire process seemed odd for a bank and that I was simply uncomfortable with the entire process. He repeated that I had been approved and to call back in 24-48 hours. I asked him for his full name which he seemed reluctant to give me. At this point my instincts told me something is no right but I ended the call. A few minutes later I called the same number again in hopes of getting through to a supervisor. Now that same number only keeps you on a continuous loop and you can not get to a real person. I tried calling the parent bank multiple times and waited on hold for 45 minutes before hanging up. What kind of bank operates like this? I then did something I should have done initially and researched the card and the bank. I found that this credit card issuer is very shady and there are many lawsuits in it's history. I made one last attempt to call the original ; number i was able to initially get through on and was only able to get a continuous loop and am unable to speak to a live person. The number I called was XXXX XXXX XXXX XXXX. The website of this company is XXXX XXXX XXXX I wish to file a complaint and seek to recover my deposit of XXXX immediately. The business practices of this credit card issuer seem to be a type stalling tactic in order to keep your money as long a possible. These people should not be in business!
12/19/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	NM 87110	Web
I applied for a secured cc from first progress. I filled out their application, and made a deposit of {$450.00}. Soon after I received the card, I lost it. Immediately, I called first progress and reported it. During the conversation with their representative, I was asked which transactions were mine. Was told that the card and account was cancelled, and a new card should arrive within 13 business days, this was on the XXXX of XXXX. On the XXXX of XXXX, I called first progress back, I inquired as to when my new card was supposed to arrive, and when my payment was due and the amount ( it was on the XXXX ). To which I was informed, that yes the card/account was cancelled, however the order for a new card was never placed! And as far as the due date, well since the account was closed, they couldn't accept a payment, until I received the new card, and activated it, and the date should then be rolled over until the XXXX of XX/XX/XXXX. Again I was told a new card was ordered, and would arrive within 13 days. XX/XX/XXXX, the new card arrived, which I promptly activated without any issues. This morning XX/XX/XXXX, when attempting to use the new card to purchase coffee, it was declined! I pulled up my account, which showed I had {$85.00} credit available, and a late fee! I was upset that I was charged a late fee, as well as interest, for not making a payment on the XXXX of XXXX, the payment I was told I couldn't make due to the account being closed. I called the number that they claim is customer service. The first person listened, and replied there is nothing they can do about the charges, and I need to make a payment to reactivate the card. Unsatisfied I requested to speak to a supervisor. After 3 minutes on hold another person answered to state she'll be right back and again I was placed on hold. 38 minutes later, an apology was issued for the long wait, and again was told nothing can be done, I asked for her name, and her supervisor. She refused to identify herself and after another long wait on hold, the highest person with the ability to speak, a person claiming to be " XXXX '' employee ID # XXXX, said he could waive the late fee, but wouldn't waive the interest, was not apologetic about the rudeness of his staff, and couldn't turn the card on until a payment, which mind you, wasn't supposed to be due until XX/XX/XXXX, was made. " XXXX '' refused to give any contact information of his superiors. At this I had had enough, and requested the account closed and a refund of the remainder balance. The refund, I am told will take up to 75 business days.
11/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	CO 80922	Web
I had a credit card with First Progress Prestige Card opened XX/XX/XXXX it was Charged off XX/XX/XXXX. I was in XXXX. I got out XX/XX/XXXX. Immediately went to fixing my credit. I contacted company who was listing it as " cllosed, {$140.00} written off ''. I made an agreemente with them that i woulld pay it off immediatelly if they agreed to reflect. the acccount being paid, closed, and no balance when cllosed. In XX/XX/XXXX I paid {$140.00} on the XXXX of XX/XX/XXXX. It was Reflected as " paid, closed, {$140.00} written off. They refused to removed hte {$140.00} written off. This shouldl be removed since it was paid in full. that is problem 1 problem 2 The account which was cllosed on XXXX as CO out of nowwhere lstart4ed reporting again and in XXXX andXXXX of XXXX it reflected two months of CO .. ruining my credit at a time i was taking a student loan. I have been sending lletters to them ( first progress ). i have spoke to agents who say they can not do anything. and XXXX I have disputed it with XXXX times. each time the agent saying i was right, and they will fix it. XXXX month back and forth they are no fixing anything .neither companies. I missed an entire semester of school because i was not elegible for a laon that i was elegibble the day before mjyu score dropped. I begged and pleaded and no one could help HOW IS IT THAT A CLOSED ACCOUNT STRANGELY RE OPENS. WHATEVER GLITCH IT WASA IS THERE PROBLEM TO FIX YET IM THE ONE WHO IS BEING HURT BY IT FOR XXXX MONTHS NOW ... IM GON NA MISS ANOHTHER SEMESTER OF XXXX BC OF THESE PEICES OF XXXX XXXX MY HARD WORK UP. BUT NO O NE WANTS TOO. i HAVE PAID XXXX XXXX DOLLARS A MONTH TO BE BILLLED FOR SOME XXXX. THANK YUOU ... I WILLL NEVER AGAIN USE XXXX. tHEY ARE XXXX WHO DONT CARE. PLLEASE MNAKE A fair sollution would be to remove it completely from my report. Its about 5 years old. but the main reason is for hte last XXXX months i have record of contact them and begging them ... ..begging! to fix it the report. when it snowed, i sllept in my car cus i couldnt sleep in the bed cus my wife was mad i dint pay this bill and my credit got XXXX ... .I wsas unable to start classes on time cus cus i was denied my loan after XXXX point decrease. So i missed thispast semester and this one and nex one all because of this mistake. I just want to get treated fairly. this is is unnacepetable every one can see its a mistake. i attached documnets shows when they closed, when i paid, the amount, the balance, the amount and what i paid. i will also attach the report that is hurtin my credit sooo bad
07/07/2021	Yes	Checking or savings account Checking account	Opening an account Didn't receive terms that were advertised	GA 30318	Web
In XXXX of 2021, I received a direct mailer from Synovus bank advertising a promotion for a new checking account. Synovus opened a branch within a mile from my house and the promotion was decent, so I decide to take advantage and open an account with Synovus. The new account promotion read as follows : Open a Synovus Consumer checking account with a minimum of a {$100.00} between XX/XX/2021 and XX/XX/2021. Earn {$200.00} after completing 15 debit card purchase within 60 days of account opening. Earn {$200.00} for having qualifying direct deposit of {$500.00}. Earn {$50.00} for completing both requirements. If all activities were completed, I would be entitled to a new account bonus of {$450.00}. I completed all of the activities in XXXX and XXXX and patiently awaited by new account bonus of {$450.00}. However, on XX/XX/2021, a bonus of {$200.00} was deposited to my account. As this was {$250.00} less than I expected, I contacted Synovus to find out why I had not been given the full {$450.00}. The representative I spoke with agreed that I had completed both activities and that it seemed I should have been awarded the {$450.00} bonus as advertised. However, the Synovus representative did not immediately have an answer as to why I had not received the full bonus so she sent my case off for further review. She promised to call me back within 2 or 3 days with a resolution. After waiting a week for a call back from Synovus, I again called to check on the status of my case. At this point, I was told that XXXX ( account to account ) transactions did not qualify. I explained that I understood that any account to account transfers would not qualify but that I had made at least 19 non XXXX debit card transaction during the 60 day window. The representative just kept repeating that XXXX transactions did not count and referred me to my local branch. I again explained that if they checked my account, they would see 19 debit card transactions that were not account to account transfers but the representative did not seem interested in what I had to say. As suggested, I tried to call my local branch for help. However, I was put on hold and waited for over 30 minutes. After waiting what I felt was a reasonable period of time, I gave up and decided to go directly to the CFPB for help. In summary, Synovus mailed me a promotion for a new checking account. I acted on that promotion and followed their rules to the letter. However, Synovus is not honoring the promotion and has failed to award me the other {$250.00} I earned.
07/14/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	VA 223XX	Web
The company originally only allowed payments via mail or bill pay. When I used bill pay, I could not confirm when the payment was received by the bank, and the bank would often claim the payment was received after the due date and charge late fees and report missed payments to the credit reporting bureaus. Sometime in the last year, their website allowed " direct pay '' where I could make the payment online using a checking account. I was very relieved to be able to prove when my payment was made. However, I made multiple payments via this method and would find that although it showed online that I made the payment, it would not hit my bank account, and record of the payment would drop off and then again, I would be charged a late fee and have a missed payment reported to the credit bureaus. I made multiple phone calls to Customer Service and they told me that direct pay " doesn't always work '' and to go back to using Bill Pay. Over the last two months - I have used " direct pay '' AND Bill pay and both have failed to be credited to my account in a timely manner, resulting in late fees and reports to the credit bureaus of missed payments. I have documented my attempts to pay my bill on time over the last two months, and that proof is attached. Additionally, the bank does not provide any confirmation of payment via email, etc, other than what shows online on their website. If I don't take a screenshot, I have no proof that a payment was made. Attached documentation : 1 ) screenshot of online payment confirmation for payment made in XX/XX/XXXX using " direct pay ''. 2 ) statement from XXXX showing that the payment was applied, as expected, with no late fee for that month. ( Also note on the statement the 'fees charged for this year ', because of all the payment issues. 3 ) screenshot of payment made via " direct pay '' on XX/XX/XXXX, before my XX/XX/XXXX due date. 4 ) XXXX statement, with no payment applied. Late fee was charged. No payment was ever credited, or presented to my bank. I didn't realize until after the late fee, of course. 5 ) Screenshot of XXXX payment made via bill pay from my bank showing receipt by XX/XX/XXXX. 6 ) screenshot of First progress account on XX/XX/XXXX. No payment shown, and I will incur a fee today and an additional report to credit bureaus. I believe this company is failing to take payments on time with the intention of charging late fees and additional interest. It has cost me hundreds of dollars in fees, interest, and has done significant damage to my credit.
11/20/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CA 93552	Web
I have previously stated that to the company that I am and have been a victim of identity theft, I included several documents proving that the debt they stated I owed did not belong to me ( My FTC Identity Theft Report, My Proof of factual identity and my Notice to Furnishers and included documents stating that my phone number has been listed on the do not call registry so calling me is therefore harassment and illegal by federal law I HAVE BEEN CALLED EVERY DAY 3 TIMES A DAY OVER A DEBT I DO NOT OWE, I also sent 3 cease and desist letters to the proper address listed above. I also sent information on the Federal Fair Debt Collection Practices Act ( 15 USC 1692 ( a-k ) and specially Section 807 ( 8 ) ( 15 USC 1692e ) and information from the Fair Credit Reporting Act specially section 623 ( a ) ( 3 ) ( 15 USC 1681s-2 ) ( A ) ( 3 ). I have complied with federal law and my rights as a consumer and I believed in good faith that this company would handle this matter in compliance to my legal rights, but in fact this company has not ... in fact in response to my cease and desist letters I received a email back stating that I needed to provide my debit card information to verify my identity and remove the charges off of my account which I have record of now as well and records of other fraudulent activities that a debt collector should not do. I provided my debit card information and instead of having the debt removed from my credit report I was charged XXX $ for a new account I did not authorize in the first place, and XXX $ for an additional account I also did not authorize. I also received several harassing letters stating that my credit score would drop 100 points lower if I did not pay the debt and I have record of each letter which I will forward to the Attorney General and my credit score did in fact drop ( so these are valid and factual ). By federal law this is illegal and is 2 counts of fraud which I have all my records of and I can prove in a federal court based on the facts that I have .... the company even issued me photos stating that my refund for my accounts would now be processing but I never received anything and I am still being pressured into paying for something that isn't mines, I waited 6 long weeks and nothing ever changed and when I called the company they denied that I even had a account with them in the first place. this is not ok. They denied that I was issued a refund and they have been lying this whole time and now my personal life is suffering.
02/15/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	AL 35209	Web
On XXXX I withdraw XXXX from Synovus bank at the drive through. I went a branch to close out my account after i left the drive through. I received my monies that were in my account in cash when I closed on that day XXXX. The teller at the drive through called me surprisingly since it was after XXXX and asked had I closed my account. I told her that as we had discussed that I was closing it out. She signed, and I received an incoming call I put her on hold. She called me several times afterward. I decided since it was after hours, and I was on the phone, and just had picked up my kids, I would just go in first thing on XXXX. The next day XXXX I went to close out my savings account that was attached to the the checking account. I received a call from the branch early that morning, when I went in to talk nothing wasn't mentioned about my account being overdrawn. The manager called from XXXX XXXX XXXX XXXX and left a me an threatening message stating that she was going to put a warrant out for my arrest for fraudulent. I immediately called her back, since I was threatened and scared, and confused as to why she left such a message. When I got on the phone she immediately begin to accuse, and yell, and interrogate me to being a thief, and a fraud. I was so embarrassed and hurt since this never happened. She again stated if I didn't bring the money down she was going to call the police on me. The best thing she said was that the phone call was being recorded, I was relieved. She continued to disrespect, and try to make me say I was a fraud. I told her I no longer wanted to speak with her, and would like to speak to her boss. She pretended to call, but then got back on insisting to talk with me, and make me say I was fraud.WHen I finally spoke to her boss, he apologized and stated that she wasn't suppose to say what she said about jail to me, without his consent. He also promised to get to the bottom of her behavior, and the situation. He called later and stated how he got on to her for talking to me like she did, but stated that, " What she should have told you was that your account was overdrawn ''. So I begin to tell him how I went to close out my account, and they never stated that I was overdrawn. So now I was being accused of my account being fraudulent, and overdrawn. In that conversation, ( he called me from his personal number ) I asked him why would someone let me overdraw money that I didn't have. He confessed that it was their fault.
05/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19136	Web
I have disputed the account with First Progress Card via the consumer reporting agencies on XX/XX/XXXX. The information came back verified and updated. Recently I have pulled my consumer report and noticed that First Progress Card has been reporting a charge off to all credit reporting agencies as of XX/XX/XXXX with a closing date of XX/XX/XXXX. First Progress Card has never classified the billing error or provided the original instrument of indebtedness in order to lay claim to this alleged debt, instead First Progress Card charged off the alleged debt and furnished fraudulent information to the consumer reporting agencies as a mean to bring harm to me and my financial reputation. This alleged debt was disputed well before it was charged off. Any and all money paid to this account shall be returned immediately by money order or cashiers check to my place of abode. I have reasonable cause to believe that the information furnished by First Progress Card is inaccurate. I also have reason to believe First Progress Card is knowingly furnishing false and misleading information to the consumer reporting agencies as a means of committing unlawful extortionate means. This account is shown in charge off status on my consumer report with a balance. ( see attached ) I am aware that a charge off in accordance with 7 CFR 1956.54, is The writing off of a debt and termination of collection activity without release of personal liability. I have reason to believe that First Progress Card is furnishing their gross income to the consumer reporting agencies. The continued reporting of this knowingly inaccurate information is a clear violation of 15 U.S. Code 1681s-2 of & 15 U. S. Code 1681e ( b ). I am also aware that if First Progress Card has filled out a 1099 c form and its continuing any kind of collection activity as defined under 31 U.S code 3711 ( e ) by performing any of the following conduct, administrative offset, tax refund offset, referral to private collection contractors, referral to agencies operating a debt collection center, reporting delinquencies to the credit reporting agencies, pursuing litigation, you are committing tax fraud and should be reported to the IRS for fraudulent financial gain. Also I am invoking my right to refuse to pay this alleged debt and wish to cease further communication In accordance with 15 U.S. Code 1692 c ( c ). Please be advised that my consumer report must be equitable to me at all times.
08/23/2021	Yes	Mortgage Other type of mortgage	Trouble during payment process	GA 30097	Web
My complaint about SYNOVUS Bank as follows, I own a gas station known as XXXX XXXX XXXXXXXX located at XXXX XXXX XXXX GA XXXX. I financed this business through SYNOVUS in XXXX, I had an interest rate of 3.5 % around XXXX the interest rate went up to 5.5 % and it remained the same until XX/XX/XXXX. During the pandemic I kept the business running so people could get gas for their car and other necessities, I had no employees because no one wanted to work in a retail environment, it goes without saying how much difficulties I was facing physically and financially but I had no choice but to keep the store open. While sports teams like the XXXX XXXXXXXX and high-end eateries like XXXX XXXX XXXX were getting SMB disaster and PPT loans, I was having no luck. Meanwhile my loan with SYNOVUS was up for renewal in XX/XX/XXXX, suffering from a down trend in business I have asked the bank to lower the interest rate so that my payment would be reduced which would be a big help for the business financially and ensure we can remain open and running. After asking for interest reduction what transpired was unbelievable, to this day I am in disbelief that banks can act the way they acted with me. I am going to describe this situation in brief. After I had requested an interest reduction, the bank started to send me to different loan officers, and I was getting nowhere, finally a loan officer told me I needed to go to their Branch and sign renewal documents ASAP otherwise the bank would put my property on Auction. So being afraid of losing my business I went ahead and signed the document paying double to triple amounts of money for Inspection, document fees, i.e. For your information, in 13 years I was never late with my mortgage payment, I had no non-compliance issues, all in all I had an impeccable history with the bank. After lodging a written complaint with the banks executive office, I got an email from Mr. XXXX XXXX XXXX who claimed to be the General Council for the bank, I had a few email exchanges with this gentleman but so far, I am not aware of any action bank took to address this unethical and unprofessional behavior by one of their employees. I contend I was discriminated as a minority business owner and this was a predatory lending practice by SYNOVUS, therefore I urge you to look into this matter and take necessary actions and ask them to compensate me for my loss and adjust the interest rate to current market rate.
07/03/2017	Yes	Checking or savings account Checking account	Managing an account Banking errors	GA 30096	Web	Servicemember
XXXX/XXXX/XXXX Dear CFPB : My Name is XXXX XXXX I am following up with my complaint to Case # XXXX XXXX. I would like to explain why I am dissatisfied with the results before the case was closed. Although the representative of XXXX XXXX XXXX XXXXXXXX Synovus Bank XXXX XXXX XXXX did state in her correspondence that there would be some compensation of a refund to me of {$36.00} for one overdraft fee, I have not received any refund from the Merchant to date. In my complaint the fees of {$320.00} were not justified by Overdraft Privilege Standard Program as stated by XXXX XXXX. These fees are excessive and violates the UDAAP. Year to date I had been charged XXXX. Please see the back side of the XX/XX/XXXX statement. Please also notice on the XX/XX/XXXXstatement it is an Employee Checking and on the XX/XX/XXXX statement it was changed to an Access Checking. I did not notice anywhere on any of the copies, front or back that there was a mention of Overdraft Privilege Standard Program as implied by XXXX XXXX XXXX. Instead it says to call and ask about overdraft options available. Since there was no remedy to date and the bank has been willfully non-compliant, I reopened this complaint. My checking account has been closed since XXXX and sold to a collection agency. I checked my credit report and this debt from XXXX XXXX XXXX XXXX Synovus Bank has been added to my credit report since XX/XX/XXXX stating I owe {$340.00}. I am also disputing this amount as I had made a deposit of {$10.00} to my account two days before it was closed by the Merchant. XXXX XXXX XXXXXXXX XXXX Synovus took unreasonable advantage of me by taking funds I had deposited into my account for purchases I made and debiting my account interfering with my understanding of my debit card usage. Each time I added money it was not reflected in my account and when I asked for all transactions and or purchases to be declined if the funds were unavailable to clear, this option was not accessible to me. I was assessed a fee on top of a fee which did cause substantial injury to me. The substantial injury I am referring to is : 1. Checking account closure. 2. Being reported as delinquent to check systems. 3. Being harassed by a collection agency. 4. Reporting to all three credit bureaus for seven years and still showing if paid. 5. Decreasing my fico scores ; preventing me from purchasing a home until paid.
09/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77505	Web
It has came to my attention that First Progress Card has breached their fiduciary duty by disclosing negative information, not required by law, to disclose and operating in bad faith and ruin my financial livelihood. I have never and would never consent to the disclosure of any negative information to any nonaffiliated third party. I was never provided an explanation in writing of how this could negatively affect me or how I could opt out of the disclosure of my nonpublic personal information. Congress makes it clear that any contract or conspiracy that causes a restraint of trade and commerce is illegal. I was not provided adequate notice and I received no benefit for this transaction which constitutes unauthorized use of a credit card. The provision of the CFPA that prohibit unfair, deceptive, and abusive acts and practices in connection with the offering or provision of consumer financial products or services. First Progress Card is in breach of their fiduciary duty and has been unjustly enriched due to undue influence. Every payment made to this account was a result of threat duress and coercion. This fraudulently furnished negative information violates TILA, FCRA, GLBA, CFPA, the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act , FTC ACT and RICO Act. I hereby disaffirm any alleged agreement or contract, whether implied or explicit, between I, the consumer and First Progress Card. This account with First Progress Card is a billing error. Please provide me with documentary evidence of the obligors indebtedness. As a federally protected consumer, who does not need to pay, the creditor can not restrict, accelerate payment, close an account and or make or threaten any adverse reporting to any person about the consumer 's credit standing without resolving the billing error. Until the requested documentation is received, this request for documentation shall be treated as a billing error and an erroneously billed amount undersection 1666 of title 15. First Progress Card, as the creditor, may not collect any disputed amount. As a federally protected consumer, who does not need to pay, the creditor can not restrict, accelerate payment, close an account and or make or threaten any adverse reporting to any person about the consumer 's credit standing without resolving the billing error. Any adverse action will constitute duress.
10/03/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Problem getting a working replacement card	TX 78228	Web
On XX/XX/XXXX, I applied and got approved for a secured credit card so that I can start building credit for the sake of my life changing events ( newborn, family, new job, etc. ) to grow in knowledge and access to financial responsibilities. My required deposit of {$300.00} was processed in a quick and timely manner but my credit card never came. Patiently, I waited and attempted to contact your company, despite the aforementioned changes in my life and busy schedule. It was impossible to get ahold of anyone in your company. No recordings, no live representatives. Nothing. The closest I got to reaching anyone was when the long hold stopped and then the call ended. I researched ways to get in touch if calling failed. I sent letters in writing, after several call attempts, to the address on my statements. Once for a new card ( around XX/XX/XXXX ) and another to close my account with a refund ( XX/XX/XXXX ). According to several online sources with similar experiences, this was quite common to not hear back or get an answer from this company. I continued to get statements despite never receiving a card, so my address on file was correct. No responses in regards to my request were answered. The only communication I received other than statements, was when my deposit amount was depleted to {$0.00} over time ( until XX/XX/XXXX! ) and THEN I finally received my card in the mail, 3 years later, unused and with a now closed account. This has left a negative impact on my credit report causing a domino effect towards other credit applications, lasting effects on my financial status, and a debt in my name from my own hard earned money that I never got to utilize. This is not fair to report an account that was never used and never given proper documents to utilize such account activities until after the account has closed and damage has been done. I would like to request proof of delivery and date of inital card ( s ) issued for this account as well as dates of notices for each statement and closure warnings. Please also be transparent about the availability and contact sources for consumers with similar grievances. If no proof can be provided for when the inital card was delivered, or if it was sent, as I stated, after the closing of said account, I would like this report to be removed and forgiven so that no further harm can be done to my identity.
07/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Problem canceling credit monitoring or identify theft protection service	KY 42104	Web
I have a secured credit card through First Progress ( Synovus Bank ) First Progress Credit Card. In XXXX of this year I signed up for credit monitoring services through my credit card and the services were provided by XXXX. I created an account and paid for my first months service of {$8.00}. Approximately, 2 months later I was given a chance to upgrade my services and I took that offer increasing my monitoring fee to {$14.00} a month. In XXXX I was billed on my credit card the normal {$8.00} on top of the {$14.00}. I went online to try to inquire about why I was being charged for the two charges when I agreed to the upgrade of {$14.00}. When I tried to cancel the {$8.00} services and only keep the {$14.00} services no where was there a place to unsubscribe or cancel. I was not even allowed to remove my method of payment to the {$8.00} services. I called 8 times to XXXX and they said the Credit Card company must cancel it. So I called the credit card company and they said they had NEVER offered me such services but I was being billed by XXXX and they had to unsubscribe me. I have audio recordings of every phone call placed to both XXXX and First Progress. I finally use a phone number found on a older credit card statement and got a representative from XXXX who stated she had removed the {$8.00} charges and canceled those services.And I would only be billed for {$14.00} because of my recent upgrade. When I hung up ALL of my credit monitoring services were canceled! I had to sign back up and now I have a {$19.00} charge for credit monitoring through XXXX. I would like to completely cancel anything to do with XXXX and get a refund for {$43.00}. I have lost faith and all respect for both XXXX and First Progress credit card. I am trying to rebuild credit and only have a {$200.00} credit limit. Secured by the way. If I cancel the card my credit will be damaged because it is my oldest credit card. I may or may not receive my security deposit of {$200.00} if I cancel without their permission. I do fear I will be punished punitively and with great prejudice to my credit report. So all my hard work and diligence to honor my credit responsibilities in a manner to which was agreed up by the bank and myself will damage my score and report because I am bringing this injustice to light for others to see and learn from my choices and mistakes.
01/27/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	GA 30223	Web
I have a secured credit card with First Progress ( partner with Synovus ). Prior to this month, I had always used bill pay through my bank XXXX XXXX, because when I opened the account they had no way to pay it on their website. I went in to pay my bill ( which is paid in full every month ) on XX/XX/XXXX and saw that it could now be paid on their website which I did. On XX/XX/XXXX the payment of {$330.00} cleared my checking account. ( XX/XX/XXXX FIRST PROGRESS PAYMENT XXXX XXXX XXXX XXXX {$330.00} ). I went out of town on XX/XX/XXXX and attempted to use my card on XX/XX/XXXX since the payment had cleared my bank and showed a payment on my credit card statement. When I opened the account I had deposited {$350.00} to use against the card attempting to establish credit history. When I attempted to use my card it was declined, I went in that evening and saw my balance was " XXXX '' and only a small amount was available ( the diff in {$350.00} and what I had paid off {$330.00} ). I called and was told that when you make a payment on their site they put a 10 day hold on the money even though it had cleared my bank and was sitting in their account for 3 days, They said it would not be available until XX/XX/XXXX. I was never told this practice by them, as when I opened it payment was not available on their website, He said it was in the paperwork- not in the paperwork I got when I opened the account because it wasn't an option. He said if I had used bill pay it would be available. The money came out of my account on XX/XX/XXXX and shows a credit on my account as of XX/XX/XXXX as being paid. I would like to know how legal this is and why they will not release it prior to XX/XX/XXXX. He was very rude and was supposedly a " supervisor ''. I contacted Synovus and she put me thru to this person, I also sent Synovus a message on their XXXX page and they replied stating they would contact me shortly, but 6 hours later I have no call. I do plan to close this account shortly and I do expect my entire {$350.00} be returned to me expeditiously, not 10-14 days later, I hope that you can address this problem and see that no other people go through this with these fly by night companies holding peoples ' money " hostage ''. That is MY money and they are sitting there collecting interest on it and refuse to let me use it, Thank you
12/16/2020	Yes	Credit card or prepaid card General-purpose prepaid card	Unexpected or other fees	AZ 85208	Web
3 separate phone calls and documents sent to company explination below. Letter I wrote First Progressive : XXXX XXXX XXXX XXXX XXXX, TN XXXX I am writing to request a review of a dispute filed XX/XX/XXXX. Case No XXXX was for a dispute in the amount of [ {$340.00} ] dated XX/XX/XXXX on my account. The amount was found to be accurate because letter dated XX/XX/XXXX, ( No billing error occurred ) and I am responsible for the disputed fraudulent charges. I am requesting that the error be corrected, that any finance and other charges related to the disputed amount be credited as well, and that I receive an accurate statement. A credit was issued and then re-charged on my account. Even after I had called to reopen the disputed charges. Under the FCBA I can only be charged XXXX. I am in no way okay with saying due to a family relationship it is okay to call these valid charges. If in-fact you want to arbitrate this matter I am absolutely willing to do this. I have also filed a complaint with the federal Trade Commission as I informed the Dispute department I was going to since the ruling was not favorable for the theft on my account. Enclosed is a copy of the police report filed which had also been faxed to XXXX on XX/XX/XXXX as requested on XX/XX/XXXX when I called to ask the file be reopened. I spoke with a XXXX in Fraud/disputes who could not give me an employee ID number or any other information on her position. Today when I waited 1hour and 30 minutes for the dispute department to pick up I finally hung up and called back to customer service and got a supervisor XXXX who was able to connect me to disputes right away. XXXX in Disputes was told all of this and then came back on the line and said due to the perpetrator being related I am responsible. I believe it was my daughter who is XXXX years old who committed this act. I do not believe the credit act allows for people to be charged solely because of relationship. Copies of my original signed disputed transaction form signed XX/XX/XXXX, for total amount listed above to supporting my position. I also included some of the other proofs of theft on my other bank cards for your review. Please investigate this matter and correct the error as soon as possible. Police report # XXXX XXXX XXXX XXXX XXXX disputed forms-amounts and case No. XXXX and XXXX ]
01/28/2022	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	SC 29649	Web	Older American
Two problems. First : I paid off my home mortgage with Synovus Bank on XX/XX/2021. I contacted Synovus the following week to ascertain when my funds remaining in escrow ( for property taxes and insurance ) with Synovus would be refunded to me. I emailed back and forth with a woman named XXXX at Synovus who told me the banks policy is to refund escrowed monies 22 business days after the loan is paid off. 22 business days is far too long for Synovus to hold my monies, but the bank would not agree to do it sooner. Second and main problem : I finally received a check from Synovus for the above funds on XX/XX/XXXX and, using my mobile banking app, deposited same in my XXXX XXXX Bank checking account. On XX/XX/XXXX I received notification from XXXX XXXX via text and email that they had placed a hold on this deposit and deducted the full amount from my checking account. I immediately contacted XXXX XXXX to determine what the problem was. I spoke via phone with XXXX who told me XXXX XXXX was not able to verify availability of funds with Synovus and therefore we put a hold on the deposit. I then called Synovus and spoke with XXXX who, after looking at the Synovus account the check was drawn on, told me there were no issues with the account and no reason for XXXX XXXX to hold the deposit. I called XXXX XXXX back on XX/XX/XXXX speaking with XXXX and then XXXX in the Client Advocacy Dept. who told me XXXX XXXX had received notification from Synovus that there had been suspicious and/or fraudulent activity in the Synovus account the check was drawn on and thats why XXXX XXXX put a hold on the deposit. I promptly called Synovus back, spoke with XXXX again and relayed the information regarding the Synovus account given to me by XXXX XXXX. XXXX said she would check with her Payments Dept. about this and call me back. She called me back after checking with her Payments Dept. And said there were no problems on Synovus end and that XXXX XXXX should have no issues with clearing my deposit. XXXX also told me I could take the check to any Synovus branch and they would cash it. Unfortunately, there are no Synovus branches anywhere close to where I live. Frankly, I dont know whats going on between Synovus and XXXX XXXX XXXX I feel like Im caught in the middle of something I cant fix. Please help me get my money.
10/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	PA 19152	Web
Name : XXXX XXXX Current Address : XXXX XXXX XXXX XXXX, Pa XXXX SSN : XXXX ( XXXX ) XXXX To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you can't provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a XXXX XXXX and XXXX where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. Please investigate if every piece of information is correct. If not, please remove it from my credit report. Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Phone number ( XXXX ) XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Phone number ( XXXX ) XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. Please investigate if every piece of information is correct. If not, please remove it from my credit report. Account XXXX XXXX XXXX Account XXXX Date openedXXXX XXXX, XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. I also read where I can get the updated report after you investigate this from the XXXX XXXX guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area. Thank you for your time and help in this matter.
09/12/2021	Yes	Credit card or prepaid card General-purpose prepaid card	Problem with a purchase or transfer Card company isn't resolving a dispute about a purchase or transfer	AK XXXXX	Web
Greetings! I am filing an official complaint against the illegal business practices of the so-called First Progress pre-paid MasterCard- I am attaching their information for your reference. At the end of XX/XX/2021 I relocated permanently to XXXX and have consequently advised the afore-mentioned bank numerous times : 1. That I did not have forwarding address in the US 2. That I did not have any relatives, friends or relatives in the US 3. That I did not have a US bank account 4. That a friend of mine has helped me fund the initial {$2000.00} deposit from his bank account and he has also made subsequent payments. 5. On XX/XX/2021 I have faxed them a request with very specific instructions as to how to close the aforementioned account and do a wire transfer to a designated account, in view of items ( 1 ) through ( 4 ). I was previously advised by one of their reps that they could do a wire transfer. Subsequently, several of their managers advised me that : 1. They could not send me a VISA/MASTERCARD overseas ( only to the US and Puerto Rico ) 2. They could not do a wire transfer, despite being told that other reputable banks that I have dealt with, in the past - XXXX XXXX XXXX, XXXX, XXXX, to mention just a few, were always able to do a wire transfer to a designated account. 3. When I asked them - how can I get back my {$800.00} and change, the totally nonsensical, callous and nonchalant answer was - well, come back to the US. As if this ongoing nonsense were not enough, if you take a look at their statement, coming from supposedly a closed account, they want me to pay only {$100.00} minimal payment. As a result of their well calculated, willful and pre-mediated baloney, I have lost more {$800.00} - which is more what I was making working for a week, not to mention countless hours on the phone with their clueless, brainless customer service agents. Consequently, I am seeking your urgent intervention to force this fraudulent and scam driven bank to do the following : 1. Initiate an ACH transfer for {$1500.00} with which to compensate me for their deception and wasted time to a designated bank account of my relative in the US, or 2. Overnight me at their own expense a replacement card to a designated address with the same amount that I can use in XXXX. Very respectfully yours, XXXX XXXX
10/26/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MN 55422	Web
I am writing to file a formal complaint against XXXX XXXX XXXX regarding a recent incident in which they conducted an unauthorized hard inquiry on my credit report. Despite my repeated attempts to resolve this issue with XXXX XXXX XXXX directly, the matter remains unresolved, and I seek your assistance in addressing this violation of my consumer rights. The unauthorized hard inquiry in question was made by XXXX XXXX XXXX for an auto loan, a credit application that I have never initiated. This inquiry appeared on my credit report without my knowledge or consent, causing undue harm to my credit profile and raising concerns about potential fraudulent activities. The details necessary for this dispute are as follows : - Name : XXXX XXXX - Address : XXXX XXXX XXXX XXXX XXXX - Date of Birth : XX/XX/2001 - Phone Number : ( XXXX ) XXXX I first became aware of this unauthorized hard inquiry when I reviewed my credit report, and upon contacting XXXX XXXX XXXX to inquire about it, I was met with an unsatisfactory response. Their claim that it was related to an auto loan application I never made is not only false but also deeply concerning. I have not applied for any auto loans within the past year or authorized XXXX XXXX XXXX to access my credit report for any such purpose. I am deeply troubled by this violation of my consumer rights, as well as the potential consequences it may have on my credit score and financial well-being. I kindly request that the CFPB investigate this matter promptly and take necessary actions to ensure that XXXX XXXX XXXX rectifies this situation by removing the unauthorized hard inquiry from my credit report. Furthermore, I am seeking a comprehensive response from XXXX XXXX XXXX outlining the results of the investigation and the actions taken to rectify the situation. Additionally, I request that the CFPB take appropriate measures to hold XXXX XXXX XXXX accountable for their actions. I appreciate your immediate attention to this matter and your assistance in resolving this issue. Please inform me of any actions or responses received from XXXX XXXX XXXX. I can be reached at the phone number provided above to discuss any additional details related to this complaint. Thank you for your efforts in protecting consumers ' rights and ensuring fair credit reporting practices.
04/20/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Application denied	TX 75104	Web	Servicemember
XXXX XXXX XXXX - Called to add {$800.00} to line of credit I needed to wait on approval letter. Once accepted, must send {$800.00} within 15 days. Send check or money order to XXXX XXXX XXXX, XXXX, GA XXXX Was told what account number to add to memo line. XX/XX/XXXXXXXX - XXXX Called to follow-up on credit increase. Received wrong information on XX/XX/XXXX and now I have to start the request over. Looks like I need to send in the {$800.00} security deposit first then First Progress will approve or deny credit limit increase. Requested to speak with supervisor regarding quality control and provide feedback on the ill-advised information I previously received. I have 15 day from today XX/XX/XXXX to send in the {$800.00} money order. If it is not received in 15 days, the credit increase will be denied and funds will be sent back to me. XX/XX/XXXX Mailed money order of {$800.00}. Sent certified-mail. XX/XX/XXXX According to USPS tracking system for certified mail, money order of {$800.00} was received by First Progress on XX/XX/XXXX. XX/XX/XXXX Letter dated XX/XX/XXXX sent to me saying it's been 15 days and security deposit was not received. Credit increased was denied. There was no additional information as to the time frame the funds will be returned to me. ( Received denial letter on XXXX ). XX/XX/XXXX XXXX @ XXXX Called to get the status of the refund. I was informed that I needed to fax a letter to the Back Office ( XXXX XXXX XXXX ) to check on status of my {$800.00} security deposit. XX/XX/XXXX Called again to get the status and the instructions on what specific information I needed to do to get my {$800.00} security deposit. Now they're saying it will take up to 10 weeks to get my refund. This is crazy. I have to respond in 15 days.received denial on funds what were received on time. Increase never applied to my account. And now I have to wait 10 weeks to get my money back. I made sure I told the representative I would be reporting them to proper authorities. I will be submitting a complaint to www.consumerfinance.gov and the attorney general of the corporate office of First Progress. Resolution : I need my money now or they need to award me the {$800.00} additional credit increase and I want it done in the next 15 days and not in two and a half months. Thank you!
09/24/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Trouble using your card Can't use card to make purchases	CA 941XX	Web
The credit card company did not report my information correctly to the credit bureaus. Disputed the information and they requested Drivers License, Social Security Card, Utility Bill, Identity Theft documents. These were faxed in. Just received a letter indicating that they closed my account because they did not receive the information. Called them today and they indicated they did receive all the information however they couldn't read the drivers license so they closed my account. They didn't call or attempt to get any updated information. CALL LOG with XXXX XXXX : XX/XX/2018 @ XXXX - XXXX in customer service. Let him know I got a letter in the mail that looks suspicious asking for Drivers License, Utility Bill, Social Security Card. He beleives that this is in relation to the Identify Theft that occured and they need a copy of the report to verify my identity. He is double checking to be sure this is what it is regarding. We need all this information again because your account is being held due to XXXX account dispute. He indicates to fax the items to ( XXXX ) XXXX. He indicates that to remove derogatory remarks the request has to be done via fax to them or by the credit agency. Let him know I fulfilled the request by their organization when they asked and they still have not removed it. " I'll see what I can do ''. XX/XX/2018 @ XXXX - XXXX indicates she will give me the information to remove. Either by mail or with the credit reporting agency. She indicates to write in requesting XXXX and address to XXXX XXXX or XXXX XXXX. First Last Name, last 8 of card number. There was a remark on my credit in X month and X year. I would like to have this adjusted to improve my credit score. Indicate that I am trying to get an auto loan. XX/XX/2018 @ XXXX - XXXX in customer service indicates she sees all the information but the drivers license was not legible so they closed the account out and it's currently on hold. She indicates that they can not in her department can not remove this and the account is closed. {$300.00} deposit will be returned within 10 weeks. She has sent an escalation to upper management requesting to re-open the account. Requested to send in the drivers license and the copy of the Identity Theft report and they will try to re-open the account.
06/29/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	NC 27028	Web
I have had issues with First Progress sending me statements. This issue dates back at least 18 months. This has caused two issues ( described below ). 1. They have reported missed payments against my credit score in the past. I reached a supposed resolution with a customer service agent in their company who told me to fill out a form that i think is called the Goodwill Letter and mail it in to the credit card company. I was told that with my other good payments that they would go back to the few missed payments and erase that off of credit file, thus removing the negative remark on my credit. I mailed these papers to them 4-5 months ago and they still have not reached out to me OR removed the negative remarks on my credit. 2. I was recently ( last 30 days ) given another negative remark on my credit for missing a payment. I have not been using the card to purchase anything so i knew i wouldn't have a balance to pay. I was doing this because i am still NOT receiving bills from them letting me know what my balance is. I can only speculate that the amount due is an admin charge ( i am speculating because i can not get in touch of them, see below ). I would love to be informed on what i owe, but they aren't sending me my bills and they aren't ' answering their phones and now they are damaging my credit that I have been repairing for the last two years. 3. They aren't answering my calls. I have called First Progress once a day every Monday, Tuesday, Wednesday, Thursday, and Friday since XX/XX/XXXX at different times each day. Each time i call i am greeted with a recording that tells me that their call volume is high right now due to COVID they have less employees available. Unfortunately, the option to stay on hold and wait is not available as the automated system hangs up on me automatically after delivering the automated message. I understand COVID is a concern right now, at the same time i can't get ahold of anyone to help me resolve my issues or even shed any light on them. I want all of my negative remarks from this company on all three of my bureaus removed immediately. I want to pay them what i owe them so long as these are justified charges. After all of this i want to cancel my card with this company. I can no longer trust them to treat me correctly.
01/27/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	NC XXXXX	Web	Servicemember
I signed up for this secured credit card with high hopes of creating positive credit lines. I have experienced the total opposite. Despite my efforts i am shocked to have experienced such unprofessional and bad service from a company. Beginning on XX/XX/2017 i spoke with XXXX XXXX agents on several occasions in regard to ongoing issues affecting my accounts. Issues ranging from miss-sent and delayed arrival of cards, no pin numbers sent during activation process, updated address not being correctly recorded and having to reorder replacement cards. Due to these and several other errors ; the cards were never used. I received billing statements shortly after requesting payments on both accounts with late fees attached ( for cards i did not have in my possession ). After speaking with XXXX, XXXX, XXXX, XXXX and numerous others ; i was assured that the late fees were a result of a " glitch '' in the system, and that the late fees would be reversed and removed to due to company error. After several months of ongoing waste of time and misleading information i was forced to close both accounts. During this process XXXX XXXX also reported fraudulent remarks to the credit agencies on each of these accounts. I have attempted to have his information corrected and been lied to by management and customer service agents. After months of waiting for refunds to be expedited by fax request ( XXXX ) and via certified mail ; i contacted XXXX XXXX to inquire about the delay in processing my request. I spoke with an agent who made excuses as to why i could not speak to a supervisor ( happens often ). I was placed on several holds that lasted a minimum combined total of 30+ minutes while the supervisor avoided me. After XXXX finally received my call i inquired about {$37.00} being deducted from one of my refunds. In previous conversations i was informed that i was entitled to and would receive a full refund due to having never been able to utilize either card. Upon my conversation with XXXX ( XXXX ) claims that a purchase was made for {$8.00} in XXXX and is the reason the money was deducted. At no other time was this " {$8.00} charge '' ever mentioned in any of our previous conversations and i informed him that the charge does not belong me to me. I never utilized either card.
07/05/2019	Yes	Money transfer, virtual currency, or money service Check cashing service	Problem with customer service	FL 337XX	Web
On XX/XX/2019, I called into Synovus online asking advice on how to pay taxes via check using e-check. They confirmed it would be okay. I scheduled a payment to be made XX/XX/XXXX. XX/XX/XXXX, I went into local branch, XXXX XXXX XXXX XXXX XXXX, FL, XXXX, and spoke to the head teller who confirmed that the payment would be made on time by XX/XX/XXXX through a bank to bank payment. She also added, if not, Synovus would pay for the late fee and charges. On XX/XX/XXXX, XXXX XXXX Taxes office had not received the payment via XXXX, and I thus incurred the late fee charged. On XX/XX/XXXX, I went back to the branch, and spoke to the same teller who suggested I speak to online service via the phone. After several minutes, the online service customer service discovered the payment had been sent out by paper check and not bank to bank. And they could not confirmed whether the recipient had received it, or on what day they received it. On XX/XX/XXXX, I contacted the bank and spoke to XXXX XXXX XXXX ( attached is out emails ) She advised me not to cancel the check via the phone, and in her emails after discovering the amount in the check. She went on to suggesting three ways it could have been done, but to wait a bit longer for it to clear. On XX/XX/XXXX, the XXXX XXXX Tax Department called and confirmed they received the check, and because it was a paper check I would have to pay an additionally {$350.00}. By XX/XX/XXXX, I returned to bank, and again spoke to the branch manager, XXXX XXXX. XXXX said she'd look into it at an appropriate time, as she has access to XXXX 's emails. I requested the bank pay the fee, honoring what their cashier said. Also, based on what XXXX suggested that I not cancel the check, the branch manager said she would " have to go higher up the ladder for that. '' I made a wire transfer on that day with XXXX from my personal account for {$350.00}. I also called the Tax office and had them on speaker phone for XXXX to hear why I was being charged the {$350.00} penalty fee. XXXX apologized, but as far as the bank honoring the amount, she could not confirm. XXXX communicated with me via email to confirm that the wire transfer payment had been received. I have also received a receipt for the amount from XXXX XXXX XXXX Taxes.
07/21/2023	Yes	Checking or savings account Checking account	Problem caused by your funds being low Overdrafts and overdraft fees	GA 316XX	Web
This is second time I am filling complaint against Synovus bank and their overdraft charges. XXXX time it happened last year. When I checked my balance before I spent my money I have enough to cover charges. When I looked on my statement my balance was {$6.00} when I was charged {$36.00} overdraft fee. I was told that there I was another charge that I can not see that cost me overdraft fee. That charge had not posted until 2 days later ... and on the statement even one printed at the bank I never was negative This time I was in overdraft {$3.00}. I got charged {$36.00} overdraft fee on that. Again I checked my balance before I made another charge ... I had money to cover it because my direct deposit was done next day. That happened over the weekend. Overdraw happened on XX/XX/23 on XX/XX/23 I had {$50.00} deposited to my account then I spent {$35.00} and some small charges not to exceed my balance. On XX/XX/23 when I looked at my account I was in negative balance of {$140.00}. That equals XXXX overdraft fees. I didn't understand since I was only {$4.00} in negative. I was even more upset when they charged me {$35.00} overdraft collection fee. I contacted customer support today. I took my time... I was too upset to call. Today representative told me that policy changed. Before XXXX XXXX {$5.00} would not cause overdraft there must be something else. Again all charges causing more overdraft fees did not posted until XX/XX/23. I was told there were XXXX other charges pending in their other system. Those pending charges never showed on my statement or account pending... Since they process courtesy refund in XXXX for first incident and that only happened after I filed complaint, there is nothing they can do this time. The worst part new policy changes starting XX/XX/23 you must be negative {$50.00} before overdraft fee is charged and there is no collection fee. I guess I am out of luck. I am only one working in family I don't have money to cover. Overdraft fees... I have been with this bank for over XXXX years... They are hiding pending charges. No other bank does this. I don't understand how they get away with it. On top of everything else I was told if I don't cover overdraft charges my account will close and will be charged off...
04/08/2020	Yes	Money transfer, virtual currency, or money service International money transfer	Unexpected or other fees	FL 34112	Web	Older American
On XXXX XXXX, 2020, I requested an international wire transfer for {$47000.00} XXXX XXXX XXXX ( AED ) from my Synovus Bank account to a business entity in the XXXX XXXX XXXX, XXXX. Synovus completed the transfer but, did not inform me of hidden charges I would incur as a result of their deceitful practices. According to the XXXX Bank of the XXXX XXXX XXXX, ( XXXX ), the AED conversion rate to USD on XX/XX/XXXX was XXXX, ( see below ). This rate has been consistent and pegged to the USA dollar since XXXX. 1.00 AED -> XXXX USD XXXX UAE to US 1.00 USD -> XXXX AED Conversion US to XXXX Synovus Bank informed me they would charge a {$45.00} USD fee for the international wire transfer, which I agreed to and find acceptable. However, the conversion rate Synovus Bank charged of XXXX USD, ( which is higher than XXXX USD conversion rate stated by the XXXX Bank XXXX XXXX, websiteXX/XX/XXXX: XX/XX/XXXX, is unacceptable. This event resulted in Synovus Bank taking {$410.00} USD from me in hidden charges ( profits ) that was not disclosed to me. Synovus failure to explicitly detail additional charges acquired by use of excessively high conversion rates is deceitful. Synovus led me to believe the only charge/fee I would pay for the transaction over and the about XXXX bank rate would be {$45.00} dollars, but in fact they charged me {$410.00} dollars by slight of hand with the difference in the exchange rates. The fact they used this practice to obtain {$410.00} USD from me in a hidden charge is unacceptable, deceitful, egregious and unethical. FYI During my recent travels to XXXX, I converted $ USD to $ AED multiple times at exchange centers throughout the XXXX Airport and XXXX Mall. They all had reasonable conversion rates consistent with the XXXX Bank of the XXXX. ( See attached ). In addition, while using my Visa credit card for retail purchased in XXXX, they converted the funds from $ USD to AED automatically at rates consistent to those quoted by the XXXX Bank of the XXXX. ( See attached ). I contacted Synovus Bank and spoke with multiple staff and managerial level personnel in Customer Service, International Wire Transfers and other areas. Their explanations were evasive, irrational and did not directly address my complaint.
06/02/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	FL 32305	Web
On XXXX XXXX I called first process to see what they had not removed my XXXX XXXX payment from my account yet. The representative advise me that they had just updated the system to accept payments and that its a possibility my payment would not process until I went back in and added my routing number. I advise the first progress representative that on my end it does not show that the payment was declined or not processed. So not because of the system error on first progress end it shows on my credit report that my account is late and credit usage is high. I advise the representative that is I would of knew or been notified or could see it on first progress website that it didnt go through I would of found another way to pay it so that it was paid on time. I made that payment on XXXX the credit card company reports on XXXX. So if I could see that it wasnt processed on XX/XX/XXXX that still would have gave me 4 days to make the payment on time. I will attach screen shots where on their website it is showing that my payment is still showing pending on their site. It has no information saying it was declined or didnt process. While on the phone with the representative he told me to make the payment again which I did and send it a goodwill consideration letter explaining that the website is messed up and that my payment history should not show past due and the amount should be updated as it was out of my control. I didnt all this on XXXX XXXX I have attached copies below where it still shows my {$190.00} I paid on XXXX XXXX is still pending. So this is proof I had no idea it declined or did not process I have attached my payment history so you can see where it still does not show that the payment for {$190.00} declined or did not process nor does it show that I needed to update my routing number The attachment below also shows proof that while on the phone with the representative on XXXX XXXX I did go ahead a make another payment of {$220.00} and paid a extra {$10.00} fee so it could reflect immediately as the first progress representative advise I do in order to request a goodwill consideration This attachments are proof that I have done everything I was supposed to do but the ball was dropped on first progress website.
11/16/2023	Yes	Credit card General-purpose credit card or charge card	Fees or interest Problem with fees	IL 60050	Web
I applied for a credit card from First XXXX on the XXXX of XX/XX/XXXX but was not forewarned of the fees involved, nor their terms. I did read the fine print but there were no red flags or forewarnings. It was a secured card but I was not told what my credit limit would be until after they charged me. My credit limit was about half ( XXXX dollar limit on a secured card ) of what I would be paying to start the card plus exorbitant monthly fees and penalties. Upon discovering this I decided not to proceed and declined the offer only to discover they had already charged me for the card. When I called to resolve it they kept telling me to call back the next day. When I finally called today ( XX/XX/XXXX ) the representative refused to give me any information on a refund, saying they couldnt do that. I asked to speak to a supervisor hoping they would be more helpful/knowledgeable. I was wrong he was worse saying that it was handled by another department. When I asked for an email or phone number ( everything up to this point had been handled digitally or on the phone ) he said that department didnt have a direct phone number or email. When I asked to be transferred then he said they didnt transfer calls. I could only reach them by fax and I have absolutely no access to a fax. No one I know does. Nor was I informed of what information I needed to send or the fax number ( if it had ever been possible ) before he hung up on me. So now I have a remaining charge on my account for a service never rendered and no way to get my money back. Terrible service and scam company if you read reviews on XXXX They have multiple card companies under different names. Theyve also charged many others without warning or reason and made making payments impossible for them while collecting interest and late fees even when the person never received their card. Alternate names involved : XXXX XXXX XXXX XXXX XXXX XXXX. First XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, Operations Manager Contact Information Customer Contact XXXX XXXX XXXX, Operations Manager Headquarters : XXXX XXXX XXXX XXXX, GA XXXX XXXX Other complaints and problems documented by others as their seems to be a pattern XXXX XXXX XXXX XXXX
07/12/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Problem with customer service	GA 306XX	Web
I secured a First Progress MasterCard issued by Synovus Bank XX/XX/XXXX and never missed a payment. I made my last payment in XX/XX/XXXX and called to close my account. Since this was a secured credit card the difference between what I owed and my initial deposit resulted in a credit balance just over {$70.00}. Since this time ( nearly two months ) I have not received my check of over {$70.00} even though online the account is rendered closed. I called recently to inquire about the hold up of my funds, the customer service rep informs me it takes them 10 weeks after the close of the account to process my refund. When I asked why it takes so long to process my refund the only answer I received was its their policy. When asked would my money earn interest during those ten weeks, the response was no. This is my first association with Synovus Bank although they have branches here in my hometown. I have several family members and friends who have checking and/or savings account with Synovus Bank because of their image of being a local bank and not part of a huge conglomerate and thereby would be more customers focused. This is a marketing scheme and not true from my personal experience and here is why. During this same period, I also secured a credit card with a larger more established bank who issues the XXXX XXXX. Prior to me closing my account with Synovus, XXXX card wrote me a very nice letter stating they were changing the status of my XXXX card from secured to unsecured and refunding my initial deposit immediately since I was a good customer and never missed a payment, the same as my First Progress credit card. XXXX XXXX not only mailed me my refund within a week they also increased my credit limit to four times more than my initial deposit. Now XXXX XXXX from my viewpoint appreciates it customers and rewards them for their business and is more customer focused than profit driven. I really appreciate XXXX XXXX efforts and will continue to do business with them for several years to come. As for as Synovus, I dont agree with their 10 week wait policy for refunds without earning interest and will not do business with them nor any of their affiliations.
03/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AZ 85226	Web
There is an account on my credit profile from FIRST PROGRESS CARD with the account number XXXX. I have not received any goods or services from this company. I have never done any business with this company. This company has illegally obtained my Nonpublic Personal Information per 15 U.S. code 6802. For example, my name, social security number, and date of birth. Only a signed contract between I, the consumer and the FIRST PROGRESS CARD would make me legally bonded to any debt that they may claim. I have never provided any wet signature or Nonpublic Personal Information to this company on any agreement. Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I have not received any debt validation notice from FIRST PROGRESS CARD as they were lawfully required to provide to I, the consumer per FDCPA laws. Therefore, I was not rightfully able to dispute this account before they unlawful caused harm to my consumer report. This is a request for proof of delivery/receipt that FIRST PROGRESS CARD has sent a debt Validation Notice to I, the consumer. Written and verbal communication directed via FDCPA was not provided to I, the consumer ; allowing me to properly dispute this invalidated debt.
06/23/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 77498	Web
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX First Progress Card XXXX XXXX. XXXX XXXX XXXX, GA XXXX Re : Acct # XXXX To Whom It May Concern : First Progress Card is destroying my credit on a secured card and reporting incorrectly after several letters to correct their error thereby causing me credit denials. I have never owed First Progress Card any amount of money, I started with a secured card and called them to cancel within few months which they agreed. Upon further investigation, I have retained new copies of my credit reports and noticed that First Progress Card did not furnish the credit bureaus with the required disclosure, within the period required by law. They are required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which you signed for on. I have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. I took a secured card from your company with an amount of {$200.00} which I paid. I later called to let your company know I am no longer interested and as such, I requested my balance back which is {$110.00}. Yet your company refused to refund my money and put a charged off amount on my account by claiming I owe {$84.00} which I never did and has such destroyed my credit making it impossible for me to secure credits. Your reporting has been inaccurate and this will be my last registered letter before I file a small claim lawsuit if this issue is not resolved. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act.
08/11/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NC 27028	Web
First Progress has put derogatory remarks on my credit after I was administered an admin charge to my card but I was never sent the invoice. This is a problem that I tried to call and talk to them about but due to COVID their staff is running shorthanded and when I would call in the automated voice would tell me that they are shorthanded and the wait time is large and then it would tell me to call back and then hung up. I was never able to speak to an employee there. This complaint about XXXX XXXX not sending me the mailed invoices is not new, this is the second time I have had this issue and I am still seeking resolution for both times. I have actually brought this to their attention back in early XXXX. I called in early XXXX and their employee told me they would fix the mailing issue and informed me to file a goodwill letter and mail it to them and they will remove the derogatory remarks from my credit file. First Progress has this call on file and it was recorded. I sent them the letter on XX/XX/XXXX and I have a copy of this letter. XXXX XXXX at XXXX XXXX is insisting that they never received a copy of it. I have sent a copy of this letter again to XXXX XXXX and it was notarized and the mail was sent to him via certified mail on XX/XX/XXXX of this year. Just as XXXX XXXX is insisting that they never received the first goodwill letter, I am insisting that I havent been receiving invoices from them and could not have known about the admin charge. I stopped using this card so I knew I wouldnt have a balance with them. I now have negative remarks on my credit file in XXXX of XXXX that I want reversed. I have also provided reason for reversing the negative remarks from XXXX and XXXX of XXXX as well as XXXX of XXXX. XXXX XXXX told me in the last CFPB complaint to reach out to him if I had further questions or concerns. I mailed him a letter as well as all of my paperwork that I have kept. I mailed him certified mail that shows delivered and it was sent on XX/XX/XXXX. Furthermore, I had that paperwork notarized and I have not heard back as of XX/XX/XXXX. My account is now closed with First Progress and they are not communicating back to me.
07/02/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Account information incorrect	TX XXXXX	Web	Servicemember
NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT To Whom It May Concern : I recently received a copy of my XXXX credit report, and I noticed some Transactions posted on my credit report that is excluded my federal laws to my consumer reports! : ACCOUNT : XXXX ( XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX Your company is in violation of the FCRA and Metro2 Compliance and reporting violation . 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; On 06/2023, you reported transactions from account # to my consumer report. The above section 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the person/ Corporation making the report is not included on the consumer reports yet you are reporting this information to my consumer reports! The reporting of excluded information pursuant 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) to a consumer report is Clear violation of Metro2 compliance! Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reported on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Deleted from my consumer reports effective immediately. Now before you think to reply with validated, lets be clear I am not asking you to validate or verify anything so dont respond to inform me of this, which would be a waste of both our time and resources. Further more 15 USC 1666b ( a ) ( a ) TIME TO MAKE PAYMENTS A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. So I need the above transactions deleted from my consumer reports!
07/25/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Company closed your account	WV 251XX	Web
In XX/XX/XXXX I paid this card in full, as I had done in the past, and did not use this card. On XX/XX/XXXX I attempted to use the card and it was declined. This happened at more than one merchant and it was declined. I called the customer service number on the back of the card on XX/XX/XXXX and it said there was no payment due and the credit limit was {$1000.00} with {$1000.00} being available. On Sunday XX/XX/XXXX at XXXX I missed a phone call voicemail was left and when I listened to message it was XXXX with XXXX XXXX XXXX department needing to verify some recent activity on my card that ends with XXXX and gave number to call them back. At XXXX on the XXXX I called back and they stated they could see activity on my account and that there was a security hold on the account. She asked me a few questions and then said the security hold has been removed and you can use this card now. I try to use this card on XX/XX/XXXX and it was declined again. I called the number XXXX that had called me on the XXXX and I was transferred to customer service who then told me that my card had been closed in XXXX after review of the account. I realize they can close a card at any time. However, I had been a customer for over 12 years, never late and had paid it off before. I was told the account was closed after review. I said I didn't receive notification that this had happened and it was telling me on Saturday I had {$1000.00} available to use and your own employees told me that I could use it. They said the security department is a different area than customer service. I was told that letters don't go out and I said it would be a common courtesy to a customer that has been your customer for numerous years. I could have taken this card on vacation, not knowing it had been closed. That is poor business practice, besides the fact I have 12+ years of payment history on my credit report from XXXX. They should have, at minimum called me, or mailed me a letter and their security department should've told me on the XXXX that the card was closed. The automated system didn't tell me anything about account being closed when I called to verify amount available
11/30/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	CA 95472	Web
I submitted a payment through the " Bill Pay '' service provided by my credit union on XX/XX/XXXX. The payment is shown as received by my credit card company, First Progress, on XX/XX/XXXX. As of today, XX/XX/XXXX, however, the payment has not been applied to my credit line. I called First Progress on XX/XX/XXXX to inquire and was told that they received the payment on XX/XX/XXXX and it takes 48 hours to post. When I pointed out that it had been 5 days since the payment was received but had not been applied to my available balnce, the agent spoke with her supervisor. After speaking with her supervisor, I was told that it should have posted to my available credit on XX/XX/XXXX and that I should call back Monday XX/XX/XXXX if it did not post by that time. When I called back today, the agent told me that the money is now on a 10 day hold but could not explain why it is on a 10 day hold rather than the 48 hours that is usual. She also could not explain why the agent I spoke with on Saturday did not tell me of the 10 day hold nor why that agent 's supervisor did not advise her or me of the 10 day hold. After speaking with a supervisor, I was told that because it was a check that the bank could cancel it and not honor the funds. I advised her that it was not a check but rather a transfer from by bank, which is the only payment method they accept unless I pay an additional fee to make a payment over the phone. She said it's on a 10 day hold and there's nothing I could do about it and then quoted me the section number in the cardholder agreement that said they could hold funds for 10 days. She could not explain why neither the agent I spoke with on XX/XX/XXXX nor that agent 's supervisor saw this or informed me of it. At that time I requested that my account be closed and all of my deposit returned. She said this will take 10 weeks to process. I asked about having it expedited, as the website mentions it can be. She informed me that it would take 2 to 3 weeks once they receive my fax. I asked why she was quoting 2 to 3 wee ks when the website states that it is 7 business days, and she said that was allowing 10 days for mailing time.
04/05/2023	Yes	Checking or savings account Other banking product or service	Managing an account Deposits and withdrawals	MD 20814	Web
In XX/XX/XXXX I set up an automated external transfer from a Synovus Checking account to a XXXX Savings account in the amount of {$5000.00} on Mondays weekly, through the Synovus Mobile app. I had some {$36000.00} in the account and my intention was to close it eventually. In XXXX, when I saw the funds were below {$5000.00}, I attempted to stop the automatic transfer. I could not find any way to do this through the app. It was the weekend and the offices were closed, so I intended to call during the week to stop the transfer. I incurred an overdraw fee of {$36.00} when I attempted the transfer. On XX/XX/XXXX, I called their offices, and the transfer was stopped through a stop payment order, which incurred a " service fee '' of {$36.00} that I was not informed about. The transfer was also shown as a transaction in their system and on my account, and it was referred to as such by the employees I spoke with. This seems to be part of the issue as well. On XX/XX/XXXX I attempted to make a one-time transfer of {$500.00} to get the majority of the money left in the account out, but my account was locked. I then called them again, had the account unlocked, and asked for the service fee to be removed from the last call. Synovus complied. On XX/XX/XXXX the automated {$5000.00} transfer was attempted again and incurred a returned item fee. On XX/XX/XXXX, I called them again. The first woman I spoke to was quite nice. I was referred to their dispute department, where I was talked down to about being unable to remove the automated transfer myself, and was condescendingly told that the representative was waiving the service fee. Apparently, despite the representative supposedly removing the transfer, the only cavemanlike solution was to lock my account again. I will be closing this account asap, mostly due to being removed from the area Synovus covers but also now due to this inane treatment, I've experienced, along with their horrible mobile app. I don't seek any resolution. This is just an obnoxious situation I do not want anyone else to experience. Someone less aware might lose money due to these obnoxious fees and stupid systems.
06/08/2016	Yes	Credit card	Billing disputes	NJ 07109	Web
I got this card a few years ago to rebuild my credit after a Bankruptcy clearing, this XXXX XXXX is an absolute scam, they advertise Bill Pay, i signed up for it twice and was confirmed thru my Bank, the payment was never withdrawn leading to a late charge. There is no way to dispute these charges except writing a Letter to a XXXX like its early XXXX, i wrote a letter after gaining the address from a sales associate, no response and after Months of waiting for a reply a Check of my Credit found the late charge had not been removed, contacted customer service they stated no such letter was received and to rewrite the letter AGAIN and nobody was available to talk to in the Corrospondence Dept. that was XXXX late charge in XXXX XXXX, in XXXX XXXX a associate purposely decieved me by telling me a false amount was due, i set up Bill Pay again and this time a Manager from my Bank set it up for me, it worked once on XXXX XXXX and then the Bank purposely cancelled the Bill Pay which was supposed to be a monthly withdrawl to incur additional late fees and charges and again leading to a XXXX XXXX late payment report to my credit report even tho i made a payment on XXXX XXXX which is within the 30 day federal fair credit act, This company is purposely decieving and defrauding cardholders for their own financial benefit and ruining credit cardholders credit taking advantage of vulnerable people seeking to repair their credit, i demand these XXXX late payment reports to credit bureaus be retracted immediately, ive read thru XXXX of similar complaints, i have no idea how this company has an satisfactory approval credit rating, A complaint will also be filed with the Georgia Dept. Of Consumer Affairs and the Attorney Generals Office to investigate this Company for Fraud!!! on XXXX I had my final dispute paying off my remaining balance and canceling my account. An associate falsely represented herself as an manager after I requested one and being on hold for 5 minutes and attempted to resolve the dispute on her own I was then on hold for another 10 mins before being forced to hangup.she also said my security deposit would be returned.
10/04/2016	Yes	Credit card	Other	FL 32725	Web	Servicemember
on XX/XX/XXXX my wallet was stolen with all my credit cards. On XX/XX/XXXX I notified XXXX XXXX all my credit card companies. My credit card tomorrow all reissued. All my credit card companies are still reporting to all The credit reporting agencies except for one, First Progress XXXX. I have allowed adequate time and have kept checking my credit file for them to update the account which was XX/XX/XXXX. It still has not updated on either of the XXXX credit reporting agencies. I contacted First Progress today and ask them why it is not reporting to the XXXX credit reporting agencies they responded it is reporting. I indicated I have checked and I would check with them while I was on the phone with them I confirmed neither XXXX XXXX nor experience shows an open account with First Progress XXXX. It shows closed accounts with them. They asked me to provide a copy of my credit report them I said the burden of proof is not mine but there 's the credit card agreement with them is that they are to report to the credit bureau 's. I filed an escalation claim with them. So now I 'm afraid that I 'm going to suffer the same detrimental effects that I have with XXXX XXXX for nine months I 've been struggling to have them repair the same issuue! To no avail! so again it 's going to cost me money and time to remedy the problem or error that is not mine. Please help me in resolving this matter. Time is of the essence! 60 days is not required or acceptable to resolve the issue it 's adversely going to affect my credit and my health. again, I went through the same thing and I 'm going to the same thing with XXXX XXXX will buy the state and they have kept on stating the same thing we fix the issue and it is reporting to your credit report and it is not reporting to echo fax with XXXX XXXX now with First Progress it is not reporting to any of the XXXX credit reporting agencies they stay it it is I reviewed all three and is not reporting to any of the XXXX. I do n't have access to print all three I can view all three through an app on my phone. I will attach what I can through your website. It 's a secured credit card. XXXX
12/22/2016	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	GA 30458	Web
I have been XXXX by Synovus Financial on XXXX loans. Predatory loans from what I can tell. back 10 or so years I asked XXXX ( owned by Synovus ) to convert my equity line into a standard loan so that I could pay it off over time and not incur any further debt via the original equity line of credit. You see, the idea was to extract myself from debt so that at some point I could enjoy financial freedom. However XXXX XXXX and Synovus has mired me into a predatory loan debt trap of the likes I do n't think I have heard about previously. Mind you at this point in time in life I trusted bankers to not take advantage of me or others. Trusting a banker was my mistake, I trust them about as much as I trust lawyers, I have quite a few attorneys in my family and I do n't even trust them. But I digress. I was pushed into a note with a balloon on the end of and a somewhat higher interest rate and was told that was the only sort of loan that the bank could move me to. I honestly felt I had no choice but to do the note. When the note came due with the balloon I went down to the bank and was yet again herded into another short term loan with a balloon and a rate quite well above the going interest rates of the time. Mind you all of this time I had never missed or been late on any payments to the bank and yet was forced into a very high interest rate loan. It was only in the last 12 or so months that I had ever been late or missed a payment. When the XXXX loan came do along with the balloon, I was yet told I was a risk and that I would have to endure yet another short terms extremely high interest rate and that there would be no balloon this time ( just crazy high interest rates and payments ). Again, I had never missed a single payment on the previous note. After I received a statement a couple of months ago, I realized that I pretty much owed the bank the same amount of money that I owed 10 or so years ago, that all of the money paid into the XXXX balloon notes basically paid the interest only, and hardly ( if any ) principle. Only now in the third loan that some actual principle be paid down.
01/17/2017	Yes	Bank account or service Checking account	Account opening, closing, or management	SC 29483	Web
I was a customer at XXXX, A Division of Synovus Bank up until XX/XX/2016 at XXXX. I came in to XXXX to close my bank account with XXXX XXXX. I was owed {$100.00} and change. I was only given {$91.00} in cash. My debit card was turned off and the chip card that was sent out to me was never sent. I was mailed a {$5.00} check. Because my bank debit card was canceled, I could not deposit the {$5.00} Synovus check. I came into XXXX Bank with the XXXX dollar Check and presented the {$5.00} check to XXXX XXXX. She said I could not cash it because My bank account was closed when it was really open. as of today, the date is XX/XX/2016, Tuesday. I had to sign a second bank account closing document and was told to sign a third document to receive my {$4.00}. I called customer service and was stonewalled by the representative with false excuses. I asked to speak to her supervisor. The representative pretended that I did not specify to speak to her supervisor but, the Branch manager at XXXX. She understood me but faked that she did not understand. The Supervisor refused to talk to me. The representative wanted my number for the supervisor to call me later. I asked to speak to a XXXX and was denied. I was placed on a long hold 4 times ; and a supervisor named XXXX rushed me off the call saying she did not know why I wanted to talk to them when I am in the XXXX Bank and They can fix it since the issue is with them. XXXX said she cant make the XXXX Give me the {$5.00} they owe Me. I was lied to by call center representatives saying my bank account was closed then other representatives apologized and said my account was closed, then again other representatives said my account was Open when they were right and my Account was open for usage to cash my {$5.00} check, and to use for other things but my debit card was turned off so, I was not allowed to use my account. The way I was treated was Illegal, Unethical, disrespectful, And Cruel. Synovus and XXXX, Have terrible customer service to wait until I come into the bank the next year to close my account but continues to send my Bank Statements saying I have {$4.00}.
06/21/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Trouble using your card Can't use card to make purchases	HI 96797	Web	Servicemember
Sunday XX/XX/2021 at around XXXX. HST, I used the credit card to make purchases. This is a secured card that I paid a deposit for. The card had an available balance of {$600.00}. When I went to use the card at XXXX the card declined. I then went to test the card at XXXX XXXX and the card was declined again. I called the number in the back of the card and there was no agent available to assist me with why the card is declined when I've used it 3 times earlier that day. On Monday XX/XX/2021 at XXXX. HST, I called XXXX XXXX and was told that there was a hold on it but the hold was removed at XXXX. the night of XX/XX/XXXX. I was also told that I was not to use the card until 24 hours after the hold was removed. I asked why this is because I was not informed of why the card was put on hold and why there was a hold. I had to ask for a supervisor to explain why there was no communication right away of why the card was on hold but someone did a review and removed the hold at XXXX. on a Sunday. I spoke to a XXXX with an Employee ID # XXXX to which he said that this is " the company procedures and this is just how it is ''. I just have to wait. I then asked to speak to his Supervisor because it didn't make any sense to have available credit but I couldn't use it because they decided to put a hold on the card and then the card is not available right away to be used when there is an available balance. A person named XXXX came on the phone and was very rude and said that it's just company procedures and that I just need to wait 24 hours for it. I explained to him that this didn't make any sense that I have to wait that long when they are the ones that put the hold on and didn't contact me about any hold. I then also told him that I will be filing a complain with the CFPB and that he needed to send me something in writing or the contract that I signed that stated that and he said that I should already have the contract and that he didn't care what I would do. This is ridiculous on so many levels when you're charging an annual fee to use your so called credit card and that this is how you treat customers.
05/29/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30296	Web
In accordance with The Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 U.S.C 1681 here are a list of accounts and wrong addresses that violated my privacy... XXXX XXXX opened XX/XX/XXXX there address is XXXX XXXX XXXX XXXX XXXX, Nv XXXX amount is XXXX I have no knowledge of this account.. First Progress : there address is XXXX XXXX XXXX XXXX, Ga XXXX opened XX/XX/XXXX amount XXXX I have no knowledge of this account.. XXXX XXXXXXXX XXXX : there address is XXXX XXXX XXXX XXXX XXXX XXXX, De XXXX opened XXXXXXXX XXXX : there address is XXXX XXXX XXXX XXXX # XXXX XXXX, Ga XXXX opened XX/XX/XXXX I have no knowledge of this account XXXX XXXX XXXX XXXXXXXX XXXX opened XX/XX/XXXX also there are several wrong addresses that are listed, my address is currently XXXX XXXX XXXX XXXX XXXX Ga XXXX wrong addresses that are still listed and reporting are : XXXX XXXX XXXX XXXX XXXX ga XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ga XXXX XXXX XXXX XXXX XXXX, Pa XXXX XXXX XXXX XXXX XXXX, ga XXXX XXXX XXXX XXXX XXXX XXXX, ga XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, pa XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX please remove these addresses i have no knowledge of theses addresses... These accounts and wrong addresses have violated my rights 15 U.S.C 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 A, IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 U.S.C 1681 C ( A ) ( 5 ) SEC STATES NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION OTHER THEN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THEN 7 YEARS 15 U.S.C 1681 S-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATIONIS IN ACCURATE, PLEASE REMOVE THESE ITEMS OR I WILL BE INVOLVING MY ATTORNEY...
08/29/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	GA 318XX	Web	Servicemember
On XX/XX/2021, I received a letter from Synovus, stating that my personal credit card payment for {$22.00} was returned for No/Unable to locate account. This was probably the third time I had tried making the {$22.00} payment, which was the only thing I owed on the card. I had attempted making my payment at least twice online from my checking account, which I also have with Columbus Bank & Trust/Snynovus to no avail. A received at least one additional letter which stated my other payment attempts online, and one attempt through their customer service ( phone ), were all rejected. I couldnt understand why, considering I had close to {$5000.00} in their bank at the time, the same bank who owns my credit card. The last letter I received stated my account was closed. I once again called the customer service line and read off the routing number and account number straight from my checkbook, to ensure that the payment would go through. Like the first time I called, I was told the payment would post in 3-5 buisness days. I also sent an online message on XXXX XX/XX/2021 explaining the aforementioned and received a reply from XXXX XXXX, from Synovus Customer Care, who referred me to XXXX XXXX, which I contacted, however they told me to contact the bank instead. I felt like I was being bounced around, and was frustrated, considering I obviously had no problem paying the {$22.00}, but for the life of me, I couldnt get anyone to take my money! As my last ditch effort, I once again contacted Synovus on XXXX XX/XX/2021 and explained the aforementioned. I have not heard from anyone, as of today ; XXXX XX/XX/2021. I did however, notice that my credit scores in XXXX, which Ive had above XXXX pts for years, dropped from XXXX to XXXX based on Synovus Cards services input, which I find very unfair. Im asking for the bank/credit card service to please consider my stellar credit history, and my numerous attempts in paying the {$22.00}. I ask that this derogatory entry on my credit report be withdrawn, hence my original credit score of XXXX reinstated. Thank you. XXXX XXXX ( XXXX ) XXXX-XXXX. XXXX XXXX
01/05/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Company closed your account	VA 22315	Web
I AM THE NATURAL PERSON AND CONSUMER AND THIS IS NOT A CREDIT REPAIR COMPANY. FIRST PROGRESS abruptly closed my account without my permission. According to 16 CFR 433.1 I the affiant has reason to believe and do so believe a purchase money loan, cash advance was given to FIRST PROGRESS as the creditor from the U.S. Treasury for a finance charge and the consumer credit was to be forwarded to the consumer or natural person, I the affiant, in this transaction for household, goods, and services in exchange for disclosed, limited and authorized use of the negotiable instrument, social security number or credit card and signature I have provided, which are all properties which belong to I, the affiant, so be it. Pursuant to 16 CFR 433.2 In connection with any sale or lease to a consumer, such as I, the affiant am aware, a contract must include the provision described in 16 CFR 433.2 ( a ) otherwise this contract would be known to be an unfair or deceptive act or form. In connection with this provision, I am invoking my right as the debtor to assert all claims and defenses against FIRST PROGRESS in connection with this transaction and or negotiable instrument and any other possible derivatives in order to recovery any amounts paid and its proceeds. I have claim to the interest and the proceeds of each trade and instrument in accordance with UCC 3-306 with the possessory right to both the instruments and the property. I'm also aware in accordance with 16 C.F.R. 433.3 FIRST PROGRESS is not exempt from any claims or defenses as described in 16 C.F.R. 433.2 ( a ) as I, the affiant, may invoke, his rights as the debtor in this consumer credit contract against FIRST PROGRESS for the unfair and deceptive practices as no contract after the date of XX/XX/1977 is exempt from 16 C.F.R. 433.3. A Promissory note is a negotiable instrument. FIRST PROGRESS has committed aggravated Identity theft and is still benefiting from my intellectual property. FIRST PROGESS ALSO TOOK 2 DOWN PAYMENTS OF {$200.00} IN CONNECTION WITH THIS CONSUMER CREDIT TRANSACTION. I have 2 accounts with FIRST PROGRESS.
11/16/2017	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CA XXXXX	Web
To Whom It May Concern : This letter is in response to your recent claim regarding Acct # XXXX, which you claim I owe {$320.00}. Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your noncompliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
03/10/2023	Yes	Checking or savings account CD (Certificate of Deposit)	Opening an account Account opened as a result of fraud	FL 337XX	Web
Went to the Synovus branch at XXXX XXXX XXXX XXXX, XXXX FL XXXX on Wednesday XX/XX/XXXX to open a CD based on an advertisement I received ( and a variation of the ad happened to be on a desk within the branch : XXXX 4.6 % for 13 months ). Manager phone number : XXXX ; branch assistant ph number : XXXX. 1 ) Notably the representative at the desk did not speak fluent English, but XXXX ; 2 ) Immediately, he informed me that the promotion was not available for me, but only for existing customers, that I as a new customer could only receive 4.4 %. I went to the ad on the desk and it did not say that, it confirmed simply 13 months for 4.6 %. We brought this to the attention of others in the branch and then they said, ok if you open a checking account as well, you can receive the promo rate. Although the ad on the desk did not say that, I agreed ; 3 ) I requested that Synovus not mail paperwork, and they said they had to - no problem I agreed. I leave and then unexpectedly about an hour later receive a call from the no English speaking representative, telling me about opening the account on line or something of that nature in order to adjust the settings to no mailings. Ok, at this point I have concerned about this branch at Synovus and tell the lady who helped XXXX XXXX XXXX open the CD that I would need to part ways with Synovus, get my money back and go elsewhere. I am told the manager would call tomorrow ; 4 ) Branch manager calls Thursday XX/XX/XXXX, said sorry for my experience and troubles. Offered to close the CD and return my money tomorrow ( XXXX without penalty ) ; 5 ) XX/XX/XXXX is today, I receive a call from yet another employee in the branch informing that there will be a 12 day hold on my money - it'll be available XX/XX/XXXX - AGAIN, not what was agreed upon when the branch manager offered to close the CD and return the funds. So, it was trouble with their ad, outrageous that they have someone who can speak English making representations, and then another slick move in holding the money for 12 days without telling me what he intended.
12/28/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Credit card company forcing arbitration	GA 31602	Web	Servicemember
I want arbitration, and I have been sending Synvous, letters to that effect, but they want to play hard ball on a charged off account, why I don't know. I should not have to pay the whole account amount because they have received a TAX benefit from the Government. I will sue them if they don't come to the table and resolve this account. They are also reporting false information on my XXXX dollar payments to I am providing to show good faith. They are still saying I am paying {$50.00} dollars that's all lies. XX/XX/XXXX Consumer Financial Protection Bureau Re : Complaint of XXXX XXXX ; Case # XXXX Our goal is to provide our customers with the best possible banking experience. Our customers feedback is important to us, and we would like to share our findings after reviewing the matter you brought to our attention. XXXX XXXX complained he is unable to keep up with whom he owes as the name of the Bank has changed. XXXX XXXX also stated he was told his account was with a collections agency, but that no one was able to tell him which agency. XXXX XXXX claimed Synovus is reporting late payments contrary to an agreement with Synovus that once the card was paid in full, the Bank would remove the negative reporting from his credit report. XXXX XXXX account was charged-off on XX/XX/XXXX, in the amount of {$12000.00}. The account is currently credit revoked and it is XXXX days past due. The account has not been current since XX/XX/XXXX. XXXX XXXX XXXX last payment on the account was made on XX/XX/XXXX, for {$50.00}. XXXX XXXX requested that all negative reporting be removed from his credit bureau ; however, in the absence of any supporting documentation that this account was charged off in error, the account can not be removed from his credit bureau. Finally, Synovus does not make agreements with customers to remove negative credit reporting in exchange for payment. If XXXX XXXX has further questions, he should give us a call at XXXX SYNOVUS ( XXXX XXXX or stop by a branch. Were here to help. Sincerely, XXXX XXXX XXXX Complaint Resolution
11/01/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 924XX	Web
Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a formal complaint against First Progress for misrepresentation, non-disclosure, mail fraud, securities theft, interference of beneficiary right to benefit of proceeds, and breach of contract. CFPB Consumer Codes Misrepresentation : 1026.24 ( a ) ( 2 ) Non-disclosure : 1026.18 ( a ) ( 1 ) Mail fraud : 18 U.S.C. 1341 Securities theft : 17 C.F.R. 240.10b-5 Interference of beneficiary right to benefit of proceeds : 50 U.S.C. App. 501 Breach of contract : Uniform Commercial Code ( UCC ) 2-207 Supporting United States Codes , CFR Codes, and UCC Provisions United States Code : 18 U.S.C. 1341 ( Mail fraud ), 17 C.F.R. 240.10b-5 ( Securities fraud ), 50 U.S.C. App. 501 ( Interference with beneficiary 's right to benefit from proceeds ) Code of Federal Regulations : 1026.24 ( a ) ( 2 ) ( Misrepresentation ), 1026.18 ( a ) ( 1 ) ( Non-disclosure ) Uniform Commercial Code : UCC 2-207 ( Breach of contract ) Allegations I allege that First Progress has violated the law in the following ways : Misrepresentation : First Progress misrepresented to me that they would not bundle and sell my securities on the primary and secondary market. Non-disclosure : First Progress failed to disclose to me that they would be charging the obligation to me instead of the principle. Mail fraud : First Progress mailed statements to me using deceptive language and implying that I owed a debt. Securities theft : First Progress stole my securities by bundling them with other debt instruments and selling them on the primary and secondary market without my consent. Interference of beneficiary right to benefit of proceeds : First Progress interfered with my right to benefit from the proceeds of my securities by bundling them with other debt instruments and selling them on the primary and secondary market without my consent. Breach of contract : First Progress breached our contract by charging the obligation to me instead of the principle and by bundling and selling my securities without my consent.
10/04/2016	Yes	Credit card	Other	FL 32725	Web	Servicemember
on XX/XX/XXXX my wallet was stolen with all my credit cards. On XX/XX/XXXX I notified XXXX XXXX all my credit card companies. My credit card tomorrow all reissued. All my credit card companies are still reporting to all The credit reporting agencies except for XXXX, First Progress Bank. I have allowed adequate time and have kept checking my credit file for them to update the account which was XX/XX/XXXX. It still has not updated on either of the XXXX credit reporting agencies. I contacted XXXX today and ask them why it is not reporting to the XXXX credit reporting agencies they responded it is reporting. I indicated I have checked and I would check with them while I was on the phone with them I confirmed neither XXXX XXXX nor XXXX shows an open account with XXXX. It shows closed accounts with them. They asked me to provide a copy of my credit report them I said the burden of proof is not mine but there 's the credit card agreement with them is that they are to report to the credit bureau 's. I filed an escalation claim with them. So now I 'm afraid that I 'm going to suffer the same detrimental effects that I have with XXXX XXXX for nine months I 've been struggling to have them repair the same issuue! To no avail! so again it 's going to cost me money and time to remedy the problem or error that is not mine. Please help me in resolving this matter. Time is of the essence! 60 days is not required or acceptable to resolve the issue it 's adversely going to affect my credit and my health. again, I went through the same thing and I 'm going to the same thing with XXXX XXXX will buy the state and they have kept on stating the same thing we fix the issue and it is reporting to your credit report and it is not reporting to XXXX with XXXX XXXX now with XXXX XXXX it is not reporting to any of the XXXX credit reporting agencies they stay it it is I reviewed all three and is not reporting to any of the XXXX. I do n't have access to print all XXXX I can view all XXXX through an app on my phone. I will attach what I can through your website.
04/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91335	Web
I recently received a copy of my ( XXXX, XXXX AND XXXX ) consumer report, and I noticed that it is reporting my experience with your company. The line of credit I have with your company, which is characterized as utilization on my consumer reports. YOUR COMPANY IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports! Account number XXXXXXXX XXXX XXXXXXXX. Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section XXXX of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions or Experiences between the consumer ( XXXX XXXX XXXX and the person [ XXXX XXXX XXXX XXXX Making the report is NOT INCLUEDED on my Consumer report! Utilization is an experience with the line of credit that was extended between the consumer ( XXXX XXXX ) and the person ( YOU ) [ XXXX XXXXXXXX XXXX ] that is making the report. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience ( Utilization ) on my consumer reports which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. You have XXXX calendar days to update my utilization to 5 % or below and or delete all Utilization from the below account [ ACCOUNT NUMBER XXXX ] Failure to respond satisfactorily with deletion of the above Utilization, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character 2. Negligent Non-Compliance 3. Civil Liability 4. Mental Anguish 5. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
11/22/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	CA 961XX	Web
On XX/XX/XXXX I learned from a credit reporting agency that an inquiry was made by First Progress, resulting in a drop in my credit score. After learning of this, I logged into the First Progress website and discovered an annual service fee and late fees on my billing statements. I called First Progress after discovering these fees. I am aware that this card has an annual fee ; however, I had discontinued using the card for the past year or two and because the card hasn't been used I stopped logging into First Progress website to check my balance. I expected to be notified via email, phone, or mail when the annual fee was due. I received zero notifications. I have reviewed my statements on the first progress website ; apparently, the annual fee of {$44.00} first appeared on a statement dated XXXX XX/XX/2019. Unaware the {$44.00} fee was due in XXXX, I did not pay it as I was not made aware of the balance. The next statement indicates that a late payment fee of {$28.00} was billed. And another statement to follow indicates an additional late payment fee of {$39.00}, giving me a balance of {$110.00} owed. Again, I only found out I was being billed for anything by the dip in my credit score via a credit reporting agency. You can imagine how this could have snowballed into owing thousands of dollars to a company who's services I have ceased to use if I hadn't looked at my credit report. This seems unfair, unethical, and quite frankly, predatory. The representative at First Progress I spoke with had little to say when I explained that I had not received any bill, but did offer the removal of the recent {$39.00} late payment fee, explaining that that is all they could do. So I paid the remaining balance of {$72.00}. I have since closed my account with First Progress and am awaiting a refund of the original deposit I made when I opened the account. I was told by the representative I spoke with that a check for my original deposit would be mailed to me. It has been close to a month and I have received no refund.
06/27/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 27704	Web
A collection agency Resurgent is trying to collect a debt that they say I owed to Syncovus Bank ( or the new owner of the debt XXXX XXXX ) I spoke to Syncovus. They have absolutely no record of any debt I owe to them or a customer of theirs. The debt collector said they would mail me a written detailed explanation of the debt. They have not sent such documentation. The will only repeat that I owe to XXXX XXXX which purchased a debt from XXXX. I receive daily emails harassing me about a debt that I have no evidence belongs to me. Here is the contents of one such email -- -- -- -- -- -- -- -- -- -- -- -- - Hi XXXX, First, I wanted to thank you for visiting our Payment Options page. Hopefully you had a chance to review all of the options available for you. That said, if you're experiencing financial difficulty and would like to discuss options other than what you saw on our website, please let me know. Even if you're not able to pay right away, I'm sure we can work something out. Hope to hear from you soon. Click here to review options Please review your account details below : Original Creditor : Synovus Bank Current Owner : XXXX XXXX XXXX Account Number : Ending in XXXX Resurgent ID : XXXX Current Balance : {$410.00} View My Account Have questions or need assistance with your account? Hit reply to this email or visit the Contact page of our website here to connect with our friendly and knowledgeable Customer Care Team. Connect with us! Copyright 2023 XXXX XXXX XXXX, XXXX. All rights reserved Phone : XXXX ( XXXX ) XXXX Physical Address XXXX XXXX XXXX, XXXX XXXX XXXX, SC XXXX General Disputes/ Correspondence XXXX XXXX XXXX XXXX XXXX SC XXXX Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX Hours of Operation : Monday - Thursday XXXX EST Friday XXXX EST Saturday XXXX EST Sunday XXXX EST Resurgent Account ID : XXXX Ref Code : XXXX Privacy \| Unsubscribe THIS COMMUNICATION IS FROM A DEBT COLLECTOR. THIS IS AN ATTEMPT TO COLLECT A DEBT, AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
07/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 76011	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX SD XXXX Re : Account # XXXX \| SSN : XXXX Dear Sir/Maam, I am writing you this letter regarding payments that were marked late by your company for the following accounts on the following date ( XXXX ) : XXXX XXXX It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negative documentation impact my consumer report and are considered as part of my transactions and experiences between your company and me. Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15. You have 30 days from the date that you receive this letter to provide me with the information that i am requesting. If you do not provide this information in the expressive time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would demand that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( XXXX, XXXX XXXX XXXX or all that apply ) and update the accounts to positive. Please forward any changes to my account to the address below. Thank you for your attention and understanding in this matter. I look forward to hearing back with the positive adjustments made to correct payment history by removing everything negative inflicted on my reputation as a upstanding consumer. Regards, XXXX XXXX XXXX : CFPB FTC Texas Attorney General
03/06/2023	Yes	Checking or savings account Other banking product or service	Managing an account Cashing a check	GA 31721	Web	Servicemember
Today I went to the bank XXXX & XXXX XXXX Georgia with a check to cash, Im an XXXX XXXX, I'm automatically wrong just by being a blackwoman.I was racially profiled.I sat at the bank for over 30 minutes They told me they had to verify the check, and they needed a cold to verify the check, They have to call a XXXX number, They needed a code to process the check. The simple code was the teller calling the owner from her cell letting her know my name and the amount. After that happened they cashed the check apologized as I walked out I told them I was racially profiled and it was wrong what both tellers did, I left the teller called the owner that gave me the check, The owner called me went off on me and told me I was not welcome in her store anymore because of what the bank told her. I Told her I can't believe this just because of what the bank said, but I called you and told you your employee was trying to buy my pain pills from me keep calling my phone numerous at times got my information from the office and wouldn't leave me alone. That's why I went off in your store that day, She shot me up and told me none of that mattered, The other people are Caucasian what chance would I possibly have, been a XXXX XXXX stage XXXX XXXX patient. I'm not allowed to come back in anymore. All because of what the teller called and told her, I was racially profiled bottom line, I don't know if I have to get XXXX XXXX or any other XXXX American Advocate but I could not have went off that bad after being shot, having lupus and having stage XXXX XXXX. Going through XXXX XXXX times a week. Not once did I use profanity, never got loud with my voice, only simply questied them because me and other people that was in line knew they were wrong. Other customers waited on me to come outside and tell me Did they cash it That was so wrong. Not only they violate me of my rights They called the owner all the connections are right there How do a XXXX woman stand a chance by herself. Whatever ball is thrown at me I have to eat it up.
03/25/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	LA 70119	Web
I have 2 secured credit cards with FIRST PROGRESS CREDIT CARD that I was using to rebuild my credit 10 years ago. I've put this card on the side and rarely use it. Until last month, AFTER I was hit with late fees because I did not pay the $ 39 yearly fee to have the account, I rarely received correspondence of any kind from this company. I paid off the balance because I figured I may have made a mistake. Then I started paying VERY CLOSE ATTENTION to what correspondence was coming in from this company. I've received statements/bills for XXXX & XXXX. Both of these statements have had a XXXX balance. Today I found out, through a company I am talking with about a consolidation loan/restructuring, that I have a {$150.00} balance on one of the 2 cards. This was NOWHERE in the statement/bill I received. I called the company 's customer service. The only way I was able to speak to a person was by telling the automated system that my card was lost/stolen. They have no other option to actually speak to a person or deal with a problem the automated system is not set up. I also found out that the customer service representatives have no way of corresponding digitally. All correspondence is by USPS mail or by FAX. I was instructed that I must pay off the charges on my card, charges that were only accrued because I was not made aware of a balance, before they will even consider waving the fees that they tacked on for a charge that was not a purchase. I've close one of the cards that I have with them ( the one with no balance ) and have left open the acount with a balance in the hopes that this can be resolved amicably. This is the most obvious form of predatory lending I, personally, have ever experienced. They are using one account against another to confuse the situation, demand payment of charges accrued due to their abnormal and purposefully difficult business practices, then expect me to pay them and fight for a reimbursement. They send me a bill for one account but not the other that has a balance
06/06/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	TX 77583	Web
Payment for the credit card was sent via bank pill pay on XX/XX/2023, for payment due XX/XX/2023. After checking account, they charged a late fee on XX/XX/2023, but processed the payment on the following day. Contact was made to First Progress on the following dates : XX/XX/2023 ( no response ), XX/XX/2023 ( spoke to representative about a late payment fee that was put into my account. Another in which had been applied, totally {$60.00}. I requested that both be excused due to late processing from them and perfect payment history. ) XX/XX/2023, I received a letter stating that they could not process my request at the time. I called again XX/XX/2023, and spoke with XXXX. He suggested that I write a letter and fax it to correspondence, in which it stated all personal grievances. The fax was sent the same day. There was no response to fax. Contact was made again on XX/XX/2023. The representative said the matter had not been reviewed and I needed to further wait. The representative also suggested that I send another fax requesting a Goodwill Deletion for the late remarks and a credit for fees. The fax was sent again. There was no response for the next following weeks. I called again on XX/XX/2023. The representative said that there were no updates on the account. She suggested that I just pay the late fees, in which I declined. I requested for someone to contact me. No letters were received by me nor was there any calls. I called again on XX/XX/2023. By this time the account had reached {$110.00} in late fees and had been reported to the credit bureaus as a delinquent account. The represented suggested that I pay the fees and that they might reimburse me after a solution has been made. I declined once again, due to the uncertainty that a solution will be made as well as the possibility of being reimbursed. He suggested that I send another fax to request a Goodwill Deletion for the reports to my profile as well as state my complaints. I sent the fax XX/XX/2023.
09/30/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	FL 33710	Web
This is my first time making a complaint with you guys, not sure what is needed or how to go about this. I have been back and forth in a dispute with the company First Progress Card. I have contacted the XXXX with my complaint. I have provided any & all documentation and proof that one can alongside XXXX to resolve this dispute and to prove my case. First Progress continues to ignore the information provided, they continuously reply back stating that they need " proof that they were cashed by their remittance department ''. XXXXXXXX XXXX manager and I have already exsplained several times to the managers and in the dispute via XXXX that all payments were NOT made by a check or money order. The payments were made with cash via XXXX & wire transfers, therefore the only documentation that can be provided is the exact date, time, amount and of course the tracking ( reference ) number of that wire. I have paid all of my bills on time to this company for the past year ( including these in question ). I was told by them that they did not receive 2 months of payments from me ( which XXXXXXXX XXXX manager and I have provided proof off ). They not only have made me pay the actual bill 2x but also have added late fees both times which I have also paid each time. I am now forced to either pay another late fee on top of all of this or continue ruining my credit as this is a secured card that was " suppose to be increasing my credit not damaging it. I will provide all screenshots of out conversation ( s ) via XXXX dispute for more detailed information. If ANY other information is needed, that XXXX, the XXXX or I can provide, I would be more then happy to provide that upon request ( as we already have ). This has been ongoing for months now and needs to be rectified. I have also read other reviews about this company with the same issues alongside of not being able to cancel out the card and get their deposited back, which I am assuming will be the next issue.
05/30/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Advertising and marketing, including promotional offers Confusing or misleading advertising about the credit card	MS 39046	Web
I, XXXX XXXX is filing this complaint in response to Synovus Bank issue of XXXX XXXX XXXX. Synovus Bank has violated multiple laws under the Fair Credit Reporting Act. Synovus Bank is being abusive, deceptive, and unfair to consumers. Synovus Bank stated, The Privacy Notice, which is included with the Cardholder Agreement, provides detail about what Synovus Financial Corp. does with personal information. Synovus Bank also stated a customer may not Opt-Out of this portion of the Cardholder Agreement or the Privacy Notice. Congress says its REQUIRED that a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party. ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Synovus Bank has violated my rights to privacy under XXXX XXXX. Synovus Bank did not disclose this information to me that is required by federal law. Synovus Bank knowingly and willfully withheld pertinent information regarding the disclosure of my information to affiliated and non-affiliated third parties. Synovus Bank knowingly and willfully withheld information that explained how I the consumer can exercise that nondisclosure option.
07/19/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	SC 29407	Web	Servicemember
Subject : Explanation of Credit Report Blemish Due to Identity Theft : RE : First Progress Credit Card XXXX First Progress Credit Card XXXX I hope this letter finds you well. I am writing to explain a blemish on my credit report that has resulted from identity theft. I have been diligently working to resolve this matter and have taken all necessary steps, including filing reports with both the Federal Trade Commission ( FTC ) and the local police, as well as submitting proper disputes to all the credit reporting companies. Delete the account ASAP. The identity theft incident occurred when an unauthorized individual accessed my personal information, including my social security number, address, and other sensitive details. As a result of this breach, fraudulent accounts were opened without my knowledge or consent. I immediately took the following actions to rectify the situation : 1. Filed a Report with the Federal Trade Commission ( FTC ) : As soon as I became aware of the identity theft, I promptly filed a report with the FTC to report the fraudulent activity and obtain an Identity Theft Affidavit. 2. Filed a Police Report : Following the FTC 's guidelines, I contacted the local police department to file a formal report regarding identity theft. 3. Submitted Proper Disputes to Credit Reporting Companies : I have submitted detailed dispute letters to all the major credit reporting agencies, explaining the situation and requesting the removal of the fraudulent accounts from my credit report. 4. Enhanced Security Measures : To prevent further identity theft, I have enhanced my security, such as freezing my credit, implementing two-factor authentication, and regularly monitoring my financial accounts. Delete the account immediately. Delete the account ASAP. This account is constantly changing the Payment information, and its currently reporting inaccurate. Thank you for your understanding and prompt attention to this matter.
04/08/2017	Yes	Credit card	Identity theft / Fraud / Embezzlement	WA 98391	Web
My daughter XXXX is trying to establish her first credit. She took advice from XXXX which suggested she apply for a credit card through First Progress. This was approximately 2 months ago. She has still not received her card. However, she can see on line that she has a payment due! Additionally, my husband signed up for the same card in XXXX, 2016 and they withdrew {$300.00} and he has never gotten his card and demanded money back to his account and they said they would put it back but they never did. This white collar crime entity should be SHUT DOWN FOR FRAUD! Where is the enforcement at? They have now stolen {$200.00} from my XXXX year old daughter who is seeking to establish her first credit and she has not even received her card and they are wanting a payment from her. Same with my husband. They have now stolen {$500.00} from my family. I will file a separate complaint on my husband 's behalf. I will also file other complaints where necessary for this matter. Certainly CFPB is aware of their game. I have seen other similar complaints. SHUT THEM DOWN! What 's the hold up? NOT OKAY. TOTAL XXXX What it is, is these other bank entities see what the big banksters did with securitization and so they know what they can get away with until Congress finally gets them and holds their hands out for the fines, but in the meantime First Progress and like entities are rolling in the dough at the expense of the hard working tax payer. Total XXXX. We will wait to hear a response. The money is PAST DUE AND OWING PLUS INTEREST! We WILL NOT do business with this entity. XXXX has some liability here for even suggesting such an entity. That will be the next complaint as well. They are advertising them on their site as a suggested entity to start building credit. WHAT A BAD EXPERIENCE and EXAMPLE. Pathetic! Fraud and Embezzlement going on here! They are also very hard to reach. REF # For the Credit Card is XXXX. Their Phone number is XXXX
01/14/2021	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	GA 318XX	Web	Servicemember
We bank with Synovus and have several checking and savings accounts. On XX/XX/12 at XXXX I received a call from Synovus advising of a possible fraudulent transaction on our debit card. I was asked to verify the transaction and when I noted it was not valid and that the store in question was in XXXX ( we live in XXXX ), the agent offered to block our account. I was asked verification questions to confirm identity and then was told that the account was blocked and they would be issuing new cards. I was then asked about wether we had any mobile wallets ( XXXX XXXX, XXXX XXXX, etc ) to which I replied we only have XXXX XXXX. I was then advised that the transaction was attempted using XXXX XXXX so they needed to shut down the digital wallets as well. I agreed and was placed on hold. What I didnt realize at the time was that the person on the line was not from Synovus, even though the phone number matched the number on the back of my card, it was someone taking over my accounts. While I was on hold with the supposed agent, they used the identity verification information to reset my online access to Synovus, accessed all of our checking and savings accounts, transferred all of the funds from all of the accounts into the main checking acct ( for which they had my card number ), then setup XXXX XXXX with an actual agent and proceeded to spend all of our account funds ( approximately {$32000.00} ). Synovus has been contacted and is currently investigating the fraud ( noting several other identical cases ). I have a case opened with XXXX XXXX XXXX office in XXXX, XXXX and they are also investigating. I was also advised to contact the FTC and report this as well for financial crimes fraud investigation. Because the fraud involved our online access, those accounts have all been suspended and I currently have no way of providing the details of the transactions, other than the total reported by the fraud agent working our case.
09/21/2023	Yes	Checking or savings account Checking account	Opening an account Account opened without my consent or knowledge	TN 37066	Web
I received a letter in the mail from Synovus bank in XX/XX/2023 stating my account was overdrawn by {$4000.00}. The letter was dated XX/XX/2023. I had never heard of this bank nor received anything in the mail prior to this. I did not open this account. I called the bank multiple times trying to get information and to tell them it was opened fraudulently. They would put me on hold until the call disconnected. They would not give me any information and would not let me speak to the fraud department. I was told the fraud department does not take inbound calls. The only thing they told me was that the account was opened online in XX/XX/2023, and they were closing the account right then as they were speaking to me. They said I needed a police report and then I could drive to the nearest branch and request the information. After I called them, I received a letter in the mail that was backdated to XX/XX/2023, before I called them and backdated seven days before the first letter I received from them ( the overdraft letter ), stating the account was closed. This isn't even possible since the account was still open when I received the overdraft letter and when I called them to report the fraud. I filed an incident report with the police and went to the nearest Synovus branch. They would not tell me if my drivers license was used, why the account was allowed to overdraft by so much, and they would not provide a letter of account closure stating I was not liable since it was opened fraudulently. They would not provide bank statements. They said they could not see any information on the account and were unable to give me any further information. I was still unable to speak with the fraud department. They gave me nothing but an identity theft information sheet. In this printout it states that I have the right to obtain the documents relating to the fraudulent account however they would not and did not provide these documents.
07/28/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments You never received your bill or did not know a payment was due	PA 19136	Web
I entered into a consumer credit transaction with First Progress a few months ago .They are now sending deceptive forms according to 15 U.S. Code 1692 j. I have asked for the return of monies paid to them Pursuant to 15 U.S. Code 1692 h. I do not owe such alleged debt as I am a federally protected consumer. Their statements are false alleging I owe on something when i simply entered into a consumer credit transaction with First Progress using my credit card, which means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit, pursuant to 15 U.S. Code 1602 ( L ). So if i purchased this service on credit, I do not understand why they are alleging I owe such debt. When pursuant to 15 U.S. Code 1692 a ( 5 ) debt means any obligation or alleged obligation of a consumer to pay money arsing out of a transaction in which the money, property, insurance or services which are the subject of the transaction are primarily for personal, family, or household purposes ... Being that I am the consumer, the natural person pursuant to 15 U.S. Code 1692 a ( 3 ) which explains that the term consumer means any natural person obligated or allegedly obligated to pay any debt.I didn't obtain a " loan '' I simply entered into a consumer credit transaction with First Progress. I am not for any monetary compensation, i would simply like to keep my unlimited credit open until I the consumer decide to terminate services with First Progress. I also would like for them to stop reporting to any consumer reporting agency as I did not give any written permission for them to share my information with a 3rd party. Its an infringement upon my privacy as a consumer. I have sent 2 Affidavits of truth certified return receipt as well. I do not validate the alleged debt. First Progress ran my " credit '' received the credit and they want me to pay something back.
10/10/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AL 359XX	Web	Servicemember
I have a issue with a 30 day late being recently reported on my account. for XXXX XXXX on the day of XXXX XXXX. XXXX the payment was made. I can show proof of the payment being made on this day and my account was due XXXX XXXX XXXX. This is illegal reporting inaccurate information on my account. I am sure this was just a accident or mishap on your end. The only thing i can think about is the XXXX payment was made on XXXX XXXX but it was rejected by my bank because the account number was missing a XXXX digit. If this payment was due on XXXX XXXX and not made on time because of a reject then it would take until XXXX XXXX, to be 30 days late. I made my payment on XXXX XXXX to avoid the 30 days late 3 days prior to my payment being due. Either way. I am not 30 days late in XXXX or XXXX. I have been a loyal customer for almost 2 years. I have been patiently waiting on the XXXX payment to be removed also from my account. As i was not late for this payment either. I am asking you to remove both late payments and send me certified proof you have removed these late payment from my account. I am trying to close on a house at the end of this month. PLEASE REMOVE THIS LATE PAYMENT FOR XXXX AS I CAN NOT BUY A HOUSE WITH THIS BEING REPORTED ON MY CREDIT REPORTS. I AM ENCLOSING PROOF THAT I WAS NOT LATE IN XXXX WITH A CASHED MY PAYMENT. PLEASE CALL ME ASAP, I HAVE SPOKE ON A RECORDED LINE TO 3 OF YOUR CUSTOMER SERVICE PEOPLE THAT ALL 3 HAVE AGREED I WAS NOT LATE IN XXXX. THE DATE OF SPEAKING TO THEM WAS ON XXXX XXXX AND XXXX XXXX. IF YOU WANT TO LISTEN TO THE RECORDED CONVERSATIONS. PLEASE CALL ME ASAP, I HAVE ONLY 5 DAYS TO CORRECT THIS OR I AM GOING TO LOOSE MY MORTGAGE OF MY HOUSE AND HAVE NO WHERE TO LIVE. THIS WAS A RENTAL HOUSE THAT IS BEING SOLD TO ME. I HAVE TO CLOSE AT THE END OF THE MONTH. XXXX XXXX ss XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
11/22/2021	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MD XXXXX	Web	Servicemember
I opened a SECURED, First Progress account in hopes to build my credit up. As a result of me building I was able to obtain better offers and decided to close my First Progress account. When my account was opened on the first day First Progress took out money for an annual fee and any other free print fees. My payments were being reported as late since I am only able to mail in a check for payment because I do not use nail pay service with my financial institution. I called twice about the matter and finally asked what I needed to do to be done with them and I was told to write in a letter requesting the account be closed effective immediately. I wrote the letter and mailed in XXXX mail. I have to date on the receipt which I do not have with me at this moment. However, they took their time closing the account just like they did with my payments and now they want me to pay another annual fee but the card is closed and I no longer wish to do business with them. The interest rate is horrible for money that is out of my pocket. I'm a single mother and recently I just tried to obtain a new job and was denied because of the negative remark SOLELY from First Progress. It is still COVID and I was never granted relief from them and as far as I am concerned I have never been late. This is really bad business for them to take on a role of greed like this. I asked First Progress to return a late fees which cause my account to go over as well as the XXXX $ annual fee, but instead was told that my credit would be ruined if I do not pay and the longer it took the worse it would get. I do not have the money to give them. Especially since they just costed me a job that I have been working towards for months. This is unfair business practice and I need more resources to verify the information that I have to provide. I have cancelled checks bank statements and postal receipts. Thank you
10/17/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	OH 440XX	Web	Older American
In XX/XX/XXXX, agents from XXXX XXXX XXXX presented me with various life insurance policy proposals as a life insurance retirement tool which was to be premium financed for high net worth individuals. XXXX XXXX XXXX XXXX XXXX ( XXXX ) was to be used to hold my life insurance policy for the benefit of my family and estate tax savings. After several insurance companies refused me, XXXX finally presented me with XXXX XXXX as their financing partner. We began dealing with XXXX in XXXX XXXX a product from XXXX XXXX XXXX. The plan called for {$5.00} XXXX life policy tied to stock market ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). The loan for {$2.00} XXXX was approved for my newly formed LLC although my financial status was tenuous at best ( credit was subprime and my condo was in foreclosure ). I was promised that there was no risk to the financial institution XXXX XXXX as total cash value would always equal or exceed the loan balance at each and every point in time. I was also promised I would not have to sign a personal guarantee. After about two years-XXXX XXXX, the interest payments ballooned and I could no longer afford them so I requested that the face value be reduced. No one listened or assisted me. My loan went into a " default '' status and I was charged a {$75000.00} prepayment fee and the company XXXX XXXX, a division of Synovus Bank pursued me in XXXX District Court until I had no recourse but to file Bankruptcy. Unbeknowst to me at the time, the insurance agents at XXXX XXXX XXXX and the principals at XXXX XXXX were working together and sharing insurance commissions. XXXX XXXX pursued me into bankruptcy even though they surrended the policy ( collateral ) and received back every XXXX of the {$1.00} XXXX in premiums it had sent to XXXX XXXX XXXX and even though they promised me otherwise. I believe there are many others in this fraudulent and predatory lending scheme.
09/13/2018	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	GA XXXXX	Web	Servicemember
This complaint is submitted by counsel as attorney for the complainant at his request. Complainant is a XXXX-year old double leg amputee and XXXX veteran. On XX/XX/XXXX, complainant had his checking account with Synovus Bank in XXXX, XXXX On that day, he visited a Synovus Bank branch and informed it of numerous unauthorized debit card transactions in his account. He was told the bank would fix it, asked not to close his account, and to make a police report. Complainant did so, making a full report to a police officer at the branch the next day. Complainant was not told of anything else he needed to do and believed the matter would be resolved by Synovus. Complainant visited the branch two more times to check on the matter. Each time he was told the bank would be telephoning him. It never did. Still having no word from Synovus, in early XX/XX/XXXX, complainant again visited the branch. He was told he had never disputed the unauthorized transactions, that he had to fill out the written form and that he could not recover anything for charges older than sixty days from that date. Synovus therefore denied complainant recovery for the month of XX/XX/XXXX, the month which had the highest amount of unauthorized charges. Synovus subsequently recredited {$2200.00} to complainant, but complainant has still lost over {$23000.00}, which Synovus refuses to recredit. Additionally, complainant by letter to Synovus on XX/XX/XXXX and XX/XX/XXXX requested it to provide him with information and clarification pursuant to 12 CFR 205 et. seq. on : ( 1 ) All EFTs in issue from XX/XX/XXXX to the present for which Synovus failed to recredit complainants account ; and ( 2 ) All EFTs in the same period the investigation of which Synovus closed for alleged lack of information. Synovus has made no response to these requests. Synovus conduct above violates Regulation E.
01/24/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Privacy issues	MI 48197	Web
First Progress did not provide me with adequate privacy disclosures required by law. Therefore, I rescind my consent that I knowingly or unknowingly provided to your company, its employees, affiliates, non-affiliates, assignees and any other entity, to share my nonpublic personal information. The term nonpublic personal information means personally identifiable financial information provided by a consumer to a financial institution resulting from any transaction with the consumer or any service performed for the consumer ; or otherwise obtained by the financial institution. I have a right to opt out of my information being shared and hereby do so. The Gramm-Leach-Bliley Act limits your ability to share my personal financial information with certain non-affiliates. I HAVE A RIGHT TO PRIVACY. There is no law that gives you the authority to share my nonpublic personal information with any consumer reporting agency. I demand that you delete your account from any consumer reporting agency that you have furnished with my information in regards to any extension of credit, contractual, and or transactional relationship that I may have had with your company. You have failed to clearly and conspicuously disclose to me that my financial information may be disclosed to a third party. I was not given the opportunity, before the time that my information was initially disclosed, to direct that such information not be disclosed to the consumer reporting agencies. Lastly, I was not given an explanation of how I could exercise the nondisclosure option. DELETE the tradeline that you are currently reporting to any consumer reporting agency. Failure to do so, once this notice is received, will be an infringement upon my right to privacy. It would be in the interest of both parties to resolve this matter so that legal action will not be necessary.
04/09/2020	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	DE 199XX	Web
I received a copy of my credit report and saw that an account was wrong. I previously sent a letter requesting they update me with a copy of my account statements and I received my Certified letter back in the mail last week that I sent on XX/XX/XXXX. I spoke with a rep and he said they can't provide the statements without me asking in writing. I explained what happened and he gave me an updated address. I have written letters to the company and the credit bureau since XX/XX/XXXX with no response on this account. I need a copy of my statement because I'm sure I paid on this account. I had XXXX children while working on my credit and that is why I fell behind but I know I put down a deposit to get the card and I paid more afterward. When I look at my report the information is different. The high balances and don't add up to the current balance when you consider the deposit. They are different for all the bureaus. They range from {$0.00}, {$140.00} and {$220.00}. There has to be something missing. I also called the collection agency that the rep told me to reach out to, to request the same info and they said that it is a prepaid debit card when it is a secured credit account. A prepaid debit card is different from a secured card. I feel like they are passing me around and I need help so I can buy my house. I would pay if it is shown I owe the account but they refuse to provide me with the statements and a letter with a balance isn't enough. The balance on the credit report doesn't add up and the balance that is on my credit report is different from the balance that the collection agency told me on the phone. The report says {$140.00} and the collection agency has {$140.00}. Can you all make them send me the statements for the time I had an account with them or is there anything that I can do?
09/11/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	CA 91942	Web
I am writing because I believe First Progress can use improvement with communicating important information to customers. The monthly statement, dated XX/XX/2019, disclosed that the Annual Fee of {$49.00} will be imposed on [ the ] next monthly statement. I read at the end of the statement that payment of the annual fee could be avoided by sending written notification of termination within 30 days. The annual fee was charged to my account on XX/XX/2019. I sent a letter requesting that the annual fee be refunded and my account be closed. On XX/XX/2019 I received a voicemail from XXXX with First Progress requesting that I call at my earliest convenience. I called that same day to confirm receipt of my letter. The customer service representative told me that the annual fee would not be refunded because charges were made to my account after the fee was imposed. The customer service representative was unable to direct me to where I could find a statement regarding forfeiture of the annual fee in the Terms & Conditions. I have read through the information I received with my card but I can not find where this policy is stated. I was told Im sure its in there somewhere. The call ended with me being informed that corporate made the decision not to refund the annual fee. I believe First Progress should communicate information more clearly. I became aware that the annual fee had been charged to my account when I logged in to my account on XX/XX/2019. The statement dated XX/XX/2019 ( with a due date of XX/XX/2019 ) disclosed that the annual fee would be charged on the next statement, which happened to be XX/XX/2019. If I had not logged in on XX/XX/XXXX I would not have been aware of the transaction until XX/XX/2019, when First Progress emailed the notice that my statement was ready to view.
04/13/2015	Yes	Prepaid card General purpose card	Fees	FL 32701	Web
I opened an account for a prepaid Visa card with First Progress in XX/XX/XXXX to help build up my credit score and everything was fine made all my payments on time and never had any issues until I decided to close this account out in XX/XX/XXXX for I was no longer using this account in I received my statement for the months of XX/XX/XXXX thru XX/XX/XXXX which showed they had charged me the annual fee of {$39.00} when I called in to close the account in XX/XX/XXXX the representative for First Progress informed me that as long as there were no charges made to my account that I would receive the refund of the {$39.00} annual fee along with the balance of my prepaid Visa Card which totaled {$150.00} but there would be a 60 day waiting period to make sure that there were no charges made to my account finally I received my refund in XX/XX/XXXX but it was on for the amount of {$150.00} and did not include the refund for the annual fee of {$39.00} in which the representative for First Progress indicated I was entitled to receive so I contacted customer service with First Progress and was told I would have to write a letter to the First Progress Correspondence department to request my refund which I did on XX/XX/XXXX, I received a response dated XX/XX/XXXX indicating that I would have to contact customer service to resolve this issue so I contacted customer service and they said that I would have to contact the Progress Correspondence department what they are doing is giving me the run around and violating their own policies for which I have been told XXXX different times by a Customer service representative that I am entitled to the refund of the annual fee of {$39.00} as long as there were no charges mad to my account in which I have the statements to show that no charges were made.
09/18/2020	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	FL 33404	Web
My loan became past due in XX/XX/2019 after my husband and I were in a fatal accident. I was in a hospital and rehabilitation for months unaware of my husbands death. In XXXX I reached out to XXXX XXXX of XXXX FL for foreclosure prevention assistance. In XXXX I meet with XXXX XXXX XXXX XXXX XXXX XXXX XXXX who also has a 2nd mortgage on my home. They are ready and have agreed to pay up to {$20000.00} of my past due balance. I've been getting the no where with Synovus Mortgage or the attorney assigned XXXX XXXX ( XXXX XXXX XXXX XXXX ) XXXX. I've been told in writing by Mr. XXXX that Synovus has agreed to allow me to assume the loan and that no credit report/score is required. Two months has passed I have no information on being able to assume the loan ; the only way XXXX can make the payment on my behalf I must have the loan ( mortgage statement ) with my name on it. When I call Synovus they direct me to the attorney, when I call him he is not available or can not provide any progress on my case. I was notified by XXXX at Synovus XXXX they plan to sell my loan to another servicer. My goal is to bring my account current with Synovus before any transfers happen ; I don't even know if they have put the loan in my name. They also mentioned needed a subordination for the 2nd mtg, the 2nd mortgagee is XXXX XXXX XXXX XXXX and XXXX XXXX. This is the same agency with funding to pay the past due balance, they have no problem subordinating. The issue is the lender and attorney are not communicating in a timely manner and they are not on the same page. I can afford to pay my mortgage going forward ; I just need the proper information to get the mortgage brought current and have a agency willing to help. Can you please get Synovus or their attorney to respond to my requests? XXXX XXXX XXXX
10/28/2017	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Information belongs to someone else	FL 32812	Web
This letter is in response to your recent claim that XXXX XXXX XXXX, has verified that the account they are reporting under my name is accurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your noncompliance. please delete this erroneous reporting. I further remind you that, as in XXXX v. XXXX XXXX XXXX, XXXX. XXXX ( XXXX. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance.Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : Better Business Bureau
06/14/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33351	Web
I am experiencing issues associated with ID theft and disputed items on my credit file. I was contacted by letter by a creditor I now know as XXXX XXXX regarding an opened account with XXXX XXXX 11 years ago. I proceeded to call the number stated on a letter from its representative ( XXXX ) received on XXXX XXXX XXXX regarding my CFPB complaint # XXXX . I now find that the same credit or may b e reporting the same account although with a different account number under another nam e ( XXXX /SYNOVAS ) and this can be seen on my XXXX credit report. It reports the same balance owed but under a different loan typ e ( Auto ) an d again reporting on my XXXX XXXX credit under personal loan also a different loan type. I called the phone number that is reported to be XXXX /SYNOVAS XXXX and the number is not a working number but they do have the same address as XXXX which is : XXXX XXXX XXXX XXXX XXXX , MO XXXX who does have a working number XXXX . I am asking for an explanation as to the purpose of reporting against the same balance ow ed ( XXXX ) t imes using ( XXXX ) different companies names but you a re one of t he same company. On top of that the original account with the XXXX XXXX was opened without my consent and is a fraudulently opened account. My affidavit XXXX was reported as such to the FTC on XXXX XXXX XXXX . Who are these collection companies and its creditors because they are not known to me and I certainly do not own this or any other account they report. Why are they reporting false information and using guises and pretenses to destroy my credi I request they forward all information used in the validation and authentication of the person who this account was granted.
11/06/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 301XX	Web
Synovus Bank is fraudulently reporting that I have an " active loan '' with them. I had a loan with Synovus Bank, ( original lender was XXXX XXXX & XXXX ). This loan was charged off on XX/XX/XXXX due to lack of ability to pay at that time. An employee of Synovus, ) XXXX XXXX ), in an attempt to collect the debt " modified the loan in their system '' to show a lower monthly payment with a balloon payment of {$5800.00} in XX/XX/XXXX. She said she was doing this to help me out. I never agreed to such modification! This change showed the account open and every month an additional late payment. I tried several times to get Ms. XXXX to report this loan as it should be. That being charged off, no monthly scheduled payment, no balloon payment, and a reporting of a Date of 1st Major Delinquency on my credit report of XX/XX/XXXX, but to no avail. After sending a certified letter to the bank president, I was contacted by XXXX XXXX. Through several talks and explanations, he seemed to try to get this reported correctly. In XX/XX/XXXX he did get the late payments removed, but said they added that the plan was being " Paid under a partial payment plan. '' I advised their was NO SUCH PLAN agreed to and that it needs to be removed and the Date of 1st Major Delinquency needs to be corrected. He called me back and said that the 1st Major Delinquency date was corrected and that it would take about a week to remove the " partial payment '' wording. I have left two messages for Mr. XXXX but no reply. I pulled my credit file this month. The Date of 1st Major Delinquency is still listed as XX/XX/XXXX, it still says that a payment plan is in effect, and the balloon payment amount has risen to {$19000.00}! I feel that Synovus is purposely failing to correct this matter.
02/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	OH 452XX	Web
Under the accounts named " XXXX, '' and " First Progress '' I am requesting that these two accounts be removed from my credit report. There are inconsistencies and incomplete information on these two accounts in all three credit bureaus. The account named First Progress has inconsistencies and errors. XXXX has incomplete information under the account information. The term of the account is missing. Also XXXX is still reporting that I am still making payments on a closed account from XXXX to XXXX when they classified it as a charge off in XX/XX/XXXX. The High Credit amount is not shown and the term frequency says Monthly while XXXX 's information doesn't give a term. Also, the account number is missing completely in my XXXX report. Under XXXX the last payment made is inconsistent with the information XXXX gave. My date of last payment is XXXX XXXX, XXXX while XXXX says that my last payment date was XXXX XXXX, XXXX. Also, XXXX has me current on payments from XX/XX/XXXX to XX/XX/XXXX. I don't have any open accounts with these creditors. Under the account named XXXX my XXXX credit account has numerous unlisted information, it's incomplete. I want it removed from my credit report. XXXX shows that it reach it's 90 day mark in XXXX XXXX when it was supposed to be charged off. While XXXX says it was charged off in XX/XX/XXXX. However, XXXX says it was actually charged off in XX/XX/XXXX. XXXX says it was charged off in XX/XX/XXXX. There are numerous inconsistencies here. XXXX listed the date the account was reported was XXXX XXXX, XXXX. XXXX and XXXX both says that the term was 8 months. However, XXXX says the term frequency was monthly. Clearly there are much inconsistencies in the reports and I am requesting the removal of theses account. Thank you, XXXX
12/24/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Problem with customer service	CA 92807	Web
I have a credit card by the name of XXXX. The website XXXX is serviced by XXXX and the card is issued by Synovus Bank. The website is not working and I need to make a payment. If you have issues with their website, they provide the following number : XXXX. The number on the back of the credit card is : XXXX. I attempted to call both numbers on XX/XX/19, XX/XX/19, XX/XX/19 and XX/XX/19. The options are pay your credit card by pressing 1. There are no other options ; however their website says to speak with a friendly representative call : XXXX. I do not want to pay my credit card over the phone because I am afraid that they have had a breach or have been hacked. How do I know that the number provided does not give my personal information to an unauthorized user? I have never had an issue logging on to make a payment to their website. Time is of the essence because my payment is due XX/XX/19. Do I take the chance that my money will not go to them and I may expose my bank information? Finally, on one attempt I was able to login the website ; however when I clicked the 'account information ' page it says our website is unavailable, and again to call one of the numbers above to speak with a representative. There is no option to speak with a representative and when you hit the " 0 '' button on the telephone or any other button for that matter, the numbers hang up on you. These are clear violations and I know because I am a data privacy attorney. If I am not able to pay my bill or a breach has occurred exposing my information, things are not going to go well for the above parties. I tried calling Synovus since they service the card to see if they had any information. Apparently, they do not know their own vendors. These are deceptive practices.
01/09/2023	Yes	Mortgage Other type of mortgage	Trouble during payment process	FL 349XX	Web
Hello, I am contacting you regarding Synovus bank. We have had issue after issue with them. We refinanced our loan on XXXX XXXX, 2022, and agreed that we would have a XXXX grace period for payments. They wanted a definite date. I told them the XXXX. Of the following month would work, so they were to move the payment forward to the XXXX. When we made a payment on XX/XX/XXXX, they sent us a finance charge for missed payment for XX/XX/2022, when we still did not have a loan with them. After numerous phone calls and emails, we resolved that problem in XXXX 2022. They also made us open an account in their bank in order to get the loan process going of XXXX. New current issue : When we refinanced, they provided a list of insurance requirements they wanted for the loan. Before signing the docs, it was fine, and we were ok. Then in XXXX, they contacted us to add flood insurance. Although we are not in a flood zone, I agreed as the cost was minimal. Then in XXXX, they contacted us again and requested we buy wind insurance. The cost is almost XXXX a year. I told them that we were not asked for this closing, and it is an additional cost as we have a concrete building. When costs come down, we would purchase the insurance and cancel the insurance policy they had taken out. This is a very deceptive practice. As if we had known this, we would have stayed with the old lender. I explained to them the state of Florida does not require wind insurance in loans. They are forcing us to buy insurance we were never told that was a requirement. If we had been aware of this, we would not have refinanced. We sent them a letter requesting to cancel the insurance and to wait as we would make an effort to find better-priced insurance with no response from them.
07/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Problem with product or service terms changing	PA 19144	Web
In XX/XX/XXXX, I opened a SECURED CREDIT CARD with XXXX XXXX XXXX. I Secured this card with a {$200.00} cash Deposit. I used this card sparingly over the next year. Never missing any payments Nor ever being late. I contacted the company in early XXXX, PAID OFF MY ENTIRE BILL, and requested THEY close this account. I never heard anything else from this company until XX/XX/XXXX. At this time I found that somehow I now owed this company {$150.00} over my {$200.00} Security Deposit. This made absolutely no sense. Seeing that I had paid off the entire balance before requesting to close this account. So I called them and requested information as to how a paid off account could have a bill of over {$300.00}. ( {$150.00} & {$200.00} Security Deposit ). I was told by the Customer Service Rep that I spoke with, that because the account was never actually closed by the company, the annual fee was still charged against this account. Then because of the annual fee being charged and no payments being made, late fees started occurring. so now between the annual fees and the late fees, I owed this company {$350.00}. This is a total TRAVESTY. This company used up my Security Deposit. Next they charged me another {$150.00} in fees on top of that. Then lastly they have the audacity to put me in collections for this {$150.00}. So to keep my credit clear I even pay off the {$150.00}. They still refuse to remove this negative from my credit reports. This is predatory practices ' at the lowest. This company never had any intention of refunding my Security Deposit. They understand that I was doing everything possible to repair and keep my credit in good standings. So they prey on the disenfranchised. People who are trying rebuild their credit profiles.
04/28/2022	Yes	Money transfer, virtual currency, or money service Refund anticipation check	Problem with customer service	CA 93307	Web
I recently contacted First Progress about getting my refundable security deposit back after noticing my account was reported closed in XX/XX/XXXX. When I called them this month, I explained that I just realized I never got the refund after two years. The representative I spoke with, she stated that they did try to send the refund to an old address I had on file but it was returned. So, I immediately gave her my new mailing address, in which, she stated that if I wanted to get an expedited refund, I needed to fax them. I did as instructed and faxed from XXXX XXXX yesterday. However, when I called to let them know the fax was sent, they claimed they had not received it and that I needed to wait 48 hours and call them back to check the status. It was a guy representative who claimed this and even told me that he was sitting there looking at my refund check for {$200.00}. I called again this morning and spoke to another representative who claimed my account was just closed ( XX/XX/XXXX ) and that I would have to wait 10 weeks for my refund. This is completely abusive because, first off, they did not try to reach out to me when the check was returned a couple of years ago. It took me some years before I discovered I was owed a refund and when I have contacted them on multiple occasions, they are attempting to delay my refund another two months by reporting my account recently closed when that is not what my credit report shows. I have not been a customer with them for two years. It is unfortunate because I never gave them a problem in regards to payments. My credit report even shows no delinquencies and paid as agreed. Yet, they don't want to expedite me the money that I deposited to start the account in the first place.
05/10/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	TX 75077	Web
In XXXX, I applied for a refinance of my home loan. The finance company told me that in order to close my loan I had to pay a charge off on a credit card with CB & T who is now known as Synovus. I reached out to XXXX to report the error on my file and I made numerous attempts to resolve with Synovus by phone and email. When I send the email I am advised to speak to a representative, when I speak to a representative they tell me that can not research it because I do not have the card number. They can not find anything under my name or SS # on their files relating to a credit card. So I did some research myself and found that the CC that is being reported under my name as an authorized user, is my daughters account. However the card on her credit file with the same opening and closing date of the card is showing paid as agreed and paid in full in 2015. But on my credit report it is showing as a charge off. I have provided Synovus all the supporting documents and they still contend that unless I can provide them the card number they can not help me. I cant provide them a card number because I didn't have a card, she just placed me as an authorized user without my knowledge and consent as an emergency. She paid the account off in 2015 and does not have anything that shows the card number. I always thought that if the lender can not find a record for derogatory information then they were obligated to remove the line. Seeing as they can not find anything under my name or SS # I would think this would be a no brainer. However I am into my 3rd week of dealing with them and am still in the same spot I was in at the beginning, no one is willing to resolve this or prove that I entered into a card agreement with their bank.
03/09/2023	Yes	Checking or savings account Checking account	Managing an account Banking errors	AL 35244	Web
On XX/XX/XXXX, I called my bank to stop payment on a lost check. The bank employee asked for the necessary information to stop payment and then placed me on hold. When the employee returned to the line, he addressed me as " XXXX XXXX XXXX. '' I asked him to repeat the name, and he did, which was my mom 's first name. I asked him to repeat my account number back to me so I was sure he was in the correct account ; he was. Someone had added my mother 's married name to my business checking account without my knowledge or consent. My mom died in XXXX. I'm not one hundred percent certain, but I believe my mother had been added as account owner/account holder of my business account. The bank can not provide or produce a signature card, nor do they know the exact date this incident occurred. They believe her name was added in XX/XX/XXXX. My mom was 80 years of age and in failing health. However, XXXX shows my mom having employment history beginning XX/XX/XXXX, same month and year the bank believes her name was added to my account. The branch manager filed an internal complaint. When the branch manager could not get answers from upper management, he instructed me to file a complaint with the bank. I emailed their customer care department on Tuesday, XX/XX/XXXX. The bank contacted me via phone on Thursday, XX/XX/XXXX, to say they were investigating. This is fraud, and I have many reasons to be concerned about when, why, and how my mom 's name was added to my account without my knowledge and authorization. However, I have heard nothing since, and it took almost two months and filing an online complaint to garner their attention to this matter. For many reasons, this needs to be investigated. It is illegal. Many thanks!
06/05/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	GA 315XX	Web	Servicemember
This card was from First Progress. It was secured and I deposited XXXX from my bank XXXX XXXX. When First Progress was delayed in forwarding my card I changed my mind because the phone contact they gave when I filed the app XXXX XXXX XXXX XXXX XXXX and not First Progress. Their CS stated that they were familiar with who they were however did not handle their service. I went to XXXX XXXX and filed a dispute in order to cancel the process.. A couple of days later the card arrived. However a day or two later I received a statement where they had already taken the annual fee but were going to take another XXXX annual fee at the end of the month. So I contacted XXXX XXXX and they confirmed the XXXX XXXX contact issue and filed the dispute regarding the annual fee. I wanted the entire process canceled and my monies returned. When I called First Progress the acted as it they didn't know what the XXXX I was talking about claiming they couldn't see the statement they sent me but viewed different into on their screen. Mind you I hadn't even activeated the card. in fact I still haven't because the wouldn't allow me to claiming that they had to take late charges when they had already taken the XXXX money out. This was my money. So finally when XXXX XXXX filed the dispute the monies were returned. Then a few weeks later my account was showing in the negative and XXXX XXXX had allowed them to take it my money back. Now this is a crime.on the part of First Progress. and if XXXX XXXX is in cohorts they will be viewed as an accomplice. It is Theft by Deception. I want my XXXX money back and it you feed me XXXX I'll have your head supervisor arrested for obstruction of justice. They better have my mony back in my acct.
10/13/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	GA 30312	Web
This is more involved than just my credit score. When we started shopping for a mortgage in the summer of XXXX, we ultimately chose XXXX XXXX, which was recommended by our realtor. Shelter initially said they could give us a Jumbo Loan at a fixed rate for 10 % down on our $ XXXX purchase. Other companies could n't offer that so we went with XXXX. When it came down to crunch time, we learned that XXXX could no longer offer us that product because our credit score was XXXX, instead of the required XXXX. We also learned that we then needed 15 % down. By that time, it was too late to change companies. So we were told that we needed to have two mortgages- initially both were to be fixed rate. We sought the secondary mortgage from the XXXX XXXX XXXX XXXX. At the last minute, we were told that my credit score dropped to around XXXX. Now, we certainly did n't open new lines of credit or make an large purchases as we were anticipating getting our mortgage. It seems as though a " serious delinquency '' from over 5 years ago ( which was disputed and resolved ) re-appeared on my XXXX credit report. I called XXXX and disputed this report again, but it would take 30+ days to be corrected. In the rush to finish our mortgage before we lost the house ( our " drop dead '' date was fast approaching ), we had to accept a second mortgage at an adjustable rate. Because of all the errors along the way, we ended up with a larger monthly payment than anticipated. We have also estimated that we will pay an additional XXXX over the 30-year lives of our loans due to these errors. In a high-pressure situation as first-time homebuyers, we were in a vulnerable position and were at the mercy of professionals who we feel wronged us.
01/27/2021	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	GA 30084	Web
After received a pre-approval, we began the process of closing on the home. The inspection was completed and more paperwork was submitted to my loan officer she then began the conversation of an appraisal. She ordered it for me and she sent over the info for me to pay for it. I do not have my tax returns ( awaiting the IRS to process them ). The entire week and a half my loan officer and her assistant began rudely dismissing even attempt or possible solution that came to mind. Myself and my realtor thought of so many alternatives. After they were all denied it wasn't until the following wee the lender came back to share that she found a solution and would be switching the loan type. Basically starting over from a conventional loan to a FHA loan. Now the lender, and assistant were informing me they were switching all the paperwork from a conventional format to a FHA format, the was the reason of the first extension request to the seller. The lender then came back to share that the FHA paperwork requires more information and processing time for a condo. And the final cherry on top was the condo community I was planning on moving to did not accept FHA so they had to go back in for a spot approval. All in all this entire process lacked knowledge, skill, professionalism, good advice, and most importantly accountability for I have now lost all money I have put towards purchasing this home. The second request was denied by the seller to allow the lender more time to switch the loan type. The condescending language from the beginning was not easy to work with but the bigger picture kept me going. Simply rude responses is never something a client should have to deal with on top of an already tedious task.
10/16/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	RI 02905	Web
this creditor has ignored my request for documents requested such as : " 1- detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt ; 2- the photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions correct? ) ; 3-an itemized statement breaking down the balance you claim I owe ; 4- and any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. '' 5- the Vice President himself states that they are not reporting a payment of {$9.00} " First Progress has not received any {$9.00} payments during XXXX, and has not reported any such payments to the credit reporting agencies '' ( letter attached ) in the credit report attached there is clearly not 1 but 3! payments of {$9.00} reported for the months of XXXX, XXXX and XXXXXX/XX/XXXX. NO documents or contracts has been provided as requested bearing my monetary signature agreeing to pay this alleged debt or agreeing to open this account. 6 - they state in letter attached that they are not reporting inaccurate information and in my credit report you can clearly see where they report to XXXX a late of " 30 days '' on XX/XX/XXXX and on the same XX/XX/XXXX to XXXX they report " on time '', on XXXX they report to XXXX a " 60 days late '' and to XXXX they report a " 60 days late '' and it goes on and on. ( proof is attached in documents ). ALL my inaccuracies claims can be clearly seen in attached documents to this complain.
04/19/2022	Yes	Debt collection Federal student loan debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	TX 77551	Web
First Progress Credit card company is reporting late " Payments '' on my credit report. This is a violation of my consumer rights as I did not give XXXX, XXXX, or XXXX written consent to report these derogatory markings on my report. According to 15 USC 78m ( q ) ( 1 ) ( C ) the term " payment '' is defined as C ) the term payment ( i ) means a payment that is ( I ) made to further the commercial development of oil, natural gas, or minerals ; and ( II ) not de minimis ; and ( ii ) includes taxes, royalties, fees ( including license fees ), production entitlements, bonuses, and other material benefits, that the Commission, consistent with the guidelines of the Extractive Industries Transparency Initiative ( to the extent practicable ), determines are part of the commonly recognized revenue stream for the commercial development of oil, natural gas, or minerals ;. How then can these alleged " late payments '' be reported on my credit and consumer report, when the definition of " payment is not applicable to the cause. This can not be so! According to HJR 192 PL 73-10, " The American debt is XXXX dollar for dollar '' Due to the fiat currency being null & void because it is no longer backed buy Gold or silver. Therefore, I am demanding that these derogatory infractions fictiously described as late payments be removed from my credit and consumer report immediately. These derogatoriness are reported to account ending in XXXX XXXX, XXXX and on account ending in XXXX on XXXX, XX/XX/22 As this is defamation to my credit history and oppressing me financial, hindering me from approval with other lenders. This is a violation of my consumer rights and I hereby exercise them in accordance to TITLE 15.
02/19/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	FL 33150	Web
On XX/XX/2022, I, XXXX XXXX received my consumer reports and I have noticed various areas in the way First Progress Remittances ( also known as FIRST PROGRESS ) as well as XXXX XXXX XXXX XXXX, and XXXX XXXX ( XXXX XXXX XXXX XXXX ) are furnishing my information. They are tarnishing my credit score tremendously by reporting late payments every month on a Charge Off account to all the Credit Reporting Agencies and never disclose any details nor provided me with any information nor asked permission to report this late payment which is violating my consumer rights. In fact, Ive never given the Credit Reporting Agencies ( XXXX, XXXX, XXXX, to report this information as well. There are various federal laws in place to protect me as a consumer, according to 15USC 1666 ( B ) and another 15USC 1681 ( B ) so they are all in violation to my consumer rights. When I am saying ( They ) I am referring to the following, FIRST Progress, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and as well as XXXX, XXXX, and XXXX. As a consumer, I am demanding that these companies report to the following accounts should promptly be updated as ON TIME to all 3 Credit Reporting Agencies, XXXX, XXXX, XXXX. The account numbers are listed below. the account number with First Progress is # XXXX The account number with XXXX XXXX XXXX XXXX XXXX XXXX The account number with XXXX XXXX XXXX XXXX # XXXX With them violating my consumer rights and reporting this information to my reports has caused extremely XXXX XXXX XXXX, stress and XXXX and anxiety. I have not been able to get approved for new credit because of these companies I have stated above and according to 15USC 1691 thats a violation to my consumer rights as well.
03/23/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	IL 622XX	Web
I have tried to log on to the website and online app in XXXX and XXXX to submit the payment on the due date, and each month it has been hit or miss if the online payment option is available. In some cases I have input my information only for the payment to keep not processing. This company only allows for 1 yearly waiving of the late payment fee which is {$41.00}, regardless if the payment is late due to their system failures or not. When I called to speak with customer service, no one is ever able to assist me, and they keep telling me to utilize other ways to pay, of which all require submitting the payment 5-10 days prior to the due date in order for it to post in time or charges you an additional {$10.00} processing fee. They take no accountability for the online payment option not working correctly, and make you feel like the issue you're having is isolated and has never been brought to their attention. I can never speak with a manager when I call, and the manager 's never call back when requested. I was advised to submit a request by mail or fax to apply an additional waiver of the late fee, to which I found that the fax number would not connect. I asked if someone would follow up if sent by mail or fax, to which I was told, no. They will either honor your request or do nothing. This has been an awful experience, and for someone like myself working to repair my credit, it's become more of a headache to keep calling and frustration to keep paying late fees in order to keep my account in good standing. Now that it's current and this has happened twice, I don't intend to use the card outside of emergencies, but it feel like a set up on their end to collect fees and extra money.
03/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	SC 29412	Web
I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss. I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks dated on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and send it to the credit bureaus to reflect paid on time " never late ''. The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future. I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your heart to help us.
03/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	SC 29410	Web
I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss. I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and send it to the credit bureaus to reflect paid on time " never late ''. The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future. I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your heart to help us.
03/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NC 28212	Web
I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss. I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and send it to the credit bureaus to reflect paid on time " never late ''. The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future. I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your heart to help us.
03/04/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	SC 291XX	Web
I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss. I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and send it to the credit bureaus to reflect paid on time " never late ''. The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future. I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your heart to help us.
03/04/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	SC 29406	Web
I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss. I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and send it to the credit bureaus to reflect paid on time " never late ''. The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future. I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your heart to help us.
08/12/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	MD 21213	Web
I Applied For A Loan At Synovus in XXXX 2022. got approved for the loan!!! Have made all my on time payments on this account. Contacted Synovus to make my XXXX payment on XXXX the XXXX, was informed I couldn't make a payment because for no reason my account was locked and put under a review on XX/XX/2022. However I made a loan payment and spoke to several representatives on XXXX the XXXX 2022 which is after the date they're saying the account is locked!!! They Accepted the payment!!! Now as a consumer I have rights this bank deliberately violated my rights by one not notifying me the account was locked or under review!!! By locking my account closing access to my money without any clear deductive reasoning!!!! Now I can't make payments on the loan which im afraid they are deliberately wanting to damage my credit score and report!! also theyre stopping my business endeavors from moving forward which is the reason I got the loan so I could responsibly pay them back!!! Ive called several representatives that said I couldn't get any answers on my account!!! I spoke to supervisor whose name is XXXX, & they've been uncooperative in giving me any answers as to why & or how long its under review!! As a consumer I demand my account be unlocked because I've done nothing wrong and theyre are deliberately violating my rights and then because its a federal institution she's saying there's no way I can get any answers!!! As A consumer I demand my account be unlocked immediately so I can move forward with my endeavors!!! Especially seeing that ive done no wrong on the account since becoming a customer of the institution!! As a consumer I have rights there's no way this Is acceptable!!!
10/12/2015	Yes	Credit card	Delinquent account	FL 33142	Web
I applied for a fully secured credit card through First Progress on the month of XXXX of 2015 to improve my credit scores. I 'm trying to apply for a mortgage loan in the year to come so having new credit is important to me. My boyfriend completed the credit card application for me because he has had a credit card with them for the past year and it helped his credit improve. Unfortunately I was un-aware that there was an annual fee that was due the first month of being approved for this type of credit card, besides the fact I never received any notification ( written or verbal ) indicating the annual fee was due. After a month or so of not receiving any correspondence I called First Progress and became aware of the late charge and the delinquent annual fee. At that moment I took care of the charges and paid the account completely, I asked the representative if I was going to receive a 30 day late on my credit report and the rep said no. I asked for a confirmation number and a full name, but she said that they do n't offer that. After a month or so from this conversation I pulled a copy of my credit report and I saw that First Progress had reported a 60 day late on my credit report, I called them right away and tried to resolve this issue and all they said was to send them a written dispute and they would look into this. Since that time I have spoken to several representatives and I have not been able to get this 60 day late on my report corrected or removed. I personally feel that this was not my fault and if I had known of these charges I would have taken care of them right away, like I did when I first became aware. I need your help in resolving this matter.
05/31/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	TN 37172	Web
I opened a secured credit card account with XXXX XXXX XXXX in the amount of {$300.00}. The company closed the account saying that I owed a payment of {$99.00} but never said what it was for. They have been reporting to the credit bureaus as an open account and charge-off with delinquent payments. Again this was a secured credit card. The amount of credit that I had with them was based solely upon how much money I wanted to give them to put into the account. The company should have taken the {$99.00} ( assuming that it was a legitimate charge ) out of my security deposit, and then issued me a refund for the remaining funds. In this case, I don't think the charges are accurate, I don't think they have a right to keep my deposit, and I don't think they have the right to continue to report this to the credit bureaus. This account was opened in XX/XX/XXXX. I made 1 purchase with it for {$50.00} and paid the full amount before the bill was due. I received no bills from the company other than the initial one. The next correspondence I received from them was a bill showing that I owed {$99.00}. I called the company and asked what I was being charged for. That's when I was informed that my account was closed, and I was not given any explanation for the charge or why the account was closed. They also didn't start reporting until XX/XX/XXXX and have been reporting inaccurately since then. This company basically took {$300.00} of my hard earned money under the pretense of building my credit up, then closed it at their convenience, and kept my money on top of it. And as an added bonus, instead of them helping to build my credit, they have been helping to destroy it.
03/31/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 33612	Web
On approximately XX/XX/XXXX a representative contacted about a balance I owed to Synovus Bank by XXXX a debt collector. I agree to a settlement to resolve the account in the amount of XXXX and asked the representative to call me back at the end of the month as I am on a fixed income and could'nt make the % XXXX payment of XXXX until the end of XXXX On XX/XX/22 I received a call from XXXX who processed the payment of XXXX and agreed to call back for the additional payment to be processed. XXXX called on XX/XX/22 and said the payment was attempted and was declined I attempted to explain that I was on a fixed income and needed the payment to be attempted after XX/XX/22 at that point XXXX became rude and was speaking over me and not allowing me to explain, he then stated that since I was unable to pay on that date that the settlement agreement would no longer be valid and that I would need to make a new one. I called back and " a supervisor '' who listened to my complaint and made no attempt to resolve anything. Based on my treatment by this company I disputed the original payment of XXXX with my bank and feel that I did nothing but attempt to resolve this account with this company, on a fixed income and during a pandemic. Who is doing that? And this is the way I am treated. I don't understand how these people are allowed to operate and why they haven't realized that you get a better result by treating people with empathy, respect and concern as opposed to hostility, threats and disrespect. As I explained to XXXX XXXX this debt is not a pressing issue for me but I was still attempting to resolve it fairly and was treated horribly because of it.
12/17/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	OH 44095	Web
This past year I had to claim bankruptcy so I went on XXXX XXXX to see what secured credit cards they suggested. I got a card with First Progress XXXX by giving them a XXXX dollar security and a XXXX fee. As soon as I received my card I registered it on line and immediately paid the XXXX fee. That was on XXXX XXXX. Than I started using the card and sent in an additional 2 payments. There was a first payment due date of XXXX XXXX for XXXX and I made a total of 3 payments before that date, trying to raise my credit score. The 1st payment was on XXXX XXXX to pay the fee, than I used the card for purchases and made another payment for XXXX on XXXX XXXX, and then used the card again and made a 3rd payment of XXXX on XXXX XXXX. After that payment I was not going to use for awhile until I could see if it was raising my score. When I went on XXXX XXXX I seen my score DROPPED 103 POINTS! I was so upset I logged on to First Progress XXXX to see what was going on and they charged me a XXXX late fee. I called them all upset wanting an explanation and they said they will remove the fee but could only do it once. I got upset and told them I was more worried about my credit score and wanted it fixed. They said no, that their information was right so I filed a claim with the XXXX and they ( XXXX XXXX ) referred me to you. I have my bank statements to prove First Progress is lying and taking advantage of people I low places that are trying to get their lives together and start over. First Progress XXXX is in the the business of making money off of low income people. I also believe that XXXX XXXX is responsible also, and should also be held accountable.
10/06/2017	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	NY 11418	Web
Hello my name is XXXX and I am having problems with XXXX XXXX..XXXX XXXX XXXX and the other names they use. I was not aware of the debt until several years ago when I received a garnishment notice from my employer. This amount was subtracted from my paycheck weekly including any taxes. I have not received any satisfaction of judgement letters. Recently I purchased my home and before closing I was advised that this debt was not settled and it was holding back my closing. Apparently XXXX XXXX purchased the debt and claims it was never settled. To avoid losing the home i waited so long for ; I made XXXX an offer of if XXXX and they accepted. On X/XX/17 I sent them the amount and they cashed the check. Now I need them to send me a satisfaction of judgement letter to give to the attorneys who handled the purchase and closing of the home. Money was held in escrow to show good cause. The sum it XXXX. Without this satisfaction letter I can not get back this money. It 's being held by XXXX XXXX. I had our attorney intervene and try to speed up the process yet nothing from them. We, my wife and I along with our attorney has been constantly given the run around. It 's either call back tomorrow ; call back in one hour ; no one is in that department ; can not locate the file ; all sorts of excuse. They cashed the check and was paid 2 times. I have even asked to speak with a supervisor. He is never available or he gives me the same answer. My wife is XXXX and I need this money to help us move into our new home. It will move things along more quickly before the weather changes Please help us. I have nowhere to turn.. XXXX XXXX
07/29/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 94510	Web	Servicemember
I closed my {$500.00} limit credit card account # XXXX with First Progress Credit in XXXX 2016. This was a secured card ( I paid the {$500.00} upfront ). I contacted First Progress in XXXX 2016 to indicate I wanted to close the card due to the fact I no longer needed this card. I was asked multiple times to please not close the card, however to clI was insistent they close my account and I paid the {$330.00} balance at the time. I asked if I needed to contact them back regarding any other issues to close my card, they stated it could take 30 days for any accuring interest to show. I called back in XXXX 2016 and asked if any unpaid interest was I was told may card was closed and I had a {$0.00} balance, and if any accrued interest occurred I would be sent a bill. I received no bill. I did receive mulitple solicitations to reinstate my card, which I declined. I recently pulled my credit report and after XXXX 2016 First Progress charged me a {$38.00} fee- never disclosed to me and never billed. I contacted them to indicate this was inaccurate and they stated an annual charge must have accidently been applied after my card was closed.I belive this is a fraudulent practice in an attempt to knowingly charge a fee once I closed my card, and worse yet they reported it 90 days late. I am so dissapointed at such a shameless attempt at defrauding hard working people. And STILL it is on my credit and has dropped my score nearly XXXX points! For a secured card that I had a {$500.00} deposit on! They stated they would send my my secured deposit within 30 days, it took nearly 8 months to receive my deposit- once again a shameless tactic.
12/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 32809	Web
Many concerns : A collection company representing First Porgress XXXX XXXX XXXX keep calling me with information that an account ( XXXX ) were open in my maiden name ( XXXX ) a few years ago. I have asked for this information and reported as inacurate and incorrect. This is not my debt. They harrass me day in and day out over this XXXX XXXX XXXX keeps asking for more money representing XXXX XXXX. I have paid balances and they keep calling with new balances This was already paid for. XXXX XXXX XXXX representing XXXX XXXX which was paid XX/XX/2022 in full but never removed from credit reporting from collection agency as promised. XXXX XXXX - XXXX which was paid in full a long time ago and disputed transaction from a companty called XXXX men and a truck. I have no knowledge of but they keep calling me to pay. XXXX XXXX stating I owe a balance {$4200.00} which was paid in full XX/XX/2022 and I have received a paid in full letter numerous times and a title to the item purchased, stating im the sole owner. I keep calling them to remove the debt from my credit and all they do is apologize for the error. XXXX XXXX- I have TWO credit accounts from XXXX XXXX AND XXXX since XX/XX/2022 but they are not reflecting on my credit as on time payments or ownership on these credit accounts. I call them to confirm they are reporting to the credit companies but nothing happens. They keep saying its an error. I call to remove closed accounts from my credit but those companies do not anything. I also wanted the hard inquires and bankruptcy removed but when i call the reporting agency they just put me on hold and nothing happens.
04/28/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Can't close your account	PA 157XX	Web
I called First Digital credit card company on XX/XX/XXXX, approximately XXXX XXXX and paid off my balance in the automated system. I called them back and spoke to a live agent and closed my account. They confirmed my account has a XXXX XXXX balance and sent me a letter to confirm I have a XXXX balance. On XX/XX/XXXX I received an alert about a past due balance. I noticed it was the account that I paid off in XXXX. I called them immediately and escalated to a supervisor who waived the charges. The name is XXXX, he promised a call back Monday to confirm. He never called me. I called back today, the first agent won't speak with me, after 20 minutes asking for a supervisor and being denied I hang up and call back. Next agent tells me I have a {$21.00} credit on the account and it's closed, I asked for a supervisor and I was connected to the same person, XXXX. He pretended that he did not know me, and pretended that I did not have an account and refused to speak with me because he could not verify my identity .These people have caused my credit score to drop 80+ points on obesity of my 3 reports and pretend that they do not know me, they are also denying me to speak with anyone at this company. It's time that a gift agency step in on my behalf Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These people need to close the account correctly, send me another letter stating such, and FIX my credit bureau reports. They are causing me undue stress, and causing harm by incorrectly impacting my credit scores on all 3 bureaus.
08/02/2018	Yes	Checking or savings account Checking account	Managing an account Fee problem	GA 30240	Web
Reordering dates of transactions to cause smaller debits to be insufficient. I have been a customer with XXXX XXXX XXXX XXXX for 9 years and am aware of the banks order of processing payments. I did not join in the class action lawsuit filed against Synovus for the processing of transactions from larger to smaller. On XX/XX/2018 I had an available balance of {$200.00}. The definition that Synovus gives of an available balance is the amount of money available to me at that time including all cleared transactions, deposit hold items, ATM transactions and check card transactions. On XX/XX/2018 I placed 2 debit transactions for {$30.00} and {$22.00} leaving an available balance of {$150.00}. On XXXX, I placed a debit transaction of {$30.00} leaving an available balance of {$120.00}. On XX/XX/2018, I had a preauthorized payment of out for {$330.00}. I understand this payment would overdraw my acount and I would be charged {$36.00} for that payment but the 3 debits on earlier dates were processed after the preautherized payment causing me to have 4 charges at {$36.00} each. Why would I have made 3 transactions less than the {$36.00} fee if I didnt have the available funds at the time they were placed. I could have easily went to a local branch atm and withdrew the available {$200.00} and paid cash for the 3 smaller transactions and only had the preauthorized to be insufficient in which that is how it should have been processed. I filed a complaint with the XXXX on XX/XX/2018. The company did not respond. The XXXX sent a second notice to Synovus on XX/XX/2018. As of today XX/XX/2018 the company still has not responded.
03/31/2018	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was paid	GA 310XX	Web	Servicemember
I do not have a mortgage with XXXX XXXX XXXX XXXX of XXXX Georgia ( merged with Synovus Bank ). I received a Notice of Lender-Placed Hazard Insurance Coverage informing me that a policy of hazard insurance was purchased on my behalf. It is to cover the property listed in the attached XX/XX/XXXX letter and Notice of Insurance.XX/XX/XXXX Lender letter is enclosed ; subject is about the transfer and servicing of that mortgage loan to XXXX XXXX XXXX. The letter states, This is a business transaction between Synovus Bank and XXXX XXXX XXXX and in no way reflects negatively upon your account. The transfer and servicing includes the hazard insurance policy. The transfer date and insurance payment date is XX/XX/XXXX. Placed several calls to both the Lenders and new mortgage service representatives,XX/XX/XXXX ( Lender only ) and XX/XX/XXXX, respectively, about this issue. I explained the debt had been paid off over four years ago. The Lenders representative said she would get back with me. I called her the next day and she wanted proof the debt was paid. The new servicing representative said to email him the document showing the debt was paid. Both were able to retrieve documents and transactions on the mortgage. As reiterated previously, I do not owed this debt. Who are the people involved? XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX Synovus Bank XXXX, Georgia XXXX Telephone : ( XXXX XXXX ) XXXX Email : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Telephone : ( XXXX ) XXXX ext. XXXX Email : XXXX Synovus Insurance Tracking Center XXXX XXXX XXXX XXXX GA XXXX Telephone : ( XXXX ) XXXX
12/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	DE 19805	Web
First Progress Card was notified throughout the year 2021 in regards to inaccurate reporting to the bureaus. As a consumer who suffered from XXXX in 2021 and was protected under ( " CARES Act '' ) Pub.L. 116-136. First Progress Card was supposed to responsibility investigate and take proper action to determine if they made good faith efforts to investigate disputes. Whereas, this company did not. In XXXX, the consumer 's account was reported as 30 days late. Where payments were made and arrangements were requested due to XXXX. XX/XX/2021 " First Progress Card '' reported the account as 30 days late again. Then 60 days late in XXXX and reflected as current in XX/XX/2021. The discrepancies continued, where XXXX reflected 30 days late and XX/XX/2021 as 60 days late. Then current in XXXX and back to 30 days late in XX/XX/2021 and 60 days late in XXXX. Finally, with noticing the discrepancies and lack of support and good faith reporting during XXXX XXXX. First Progress Card was notified on XX/XX/2021 regarding suffering from XXXX personally in XXXX and attempting to recover. Whereas the correspondent stated to send a letter in via FAX to further explain that I had XXXX after providing account and identity information as requested regarding the account. Awaiting relief " Good Will '' letters and " Negative Item Reporting '' disputes were sent off to the bureaus on XX/XX/2021, and again on XX/XX/2021. It was First Progress Card due diligence to investigate this account with good faith. Concluding, reporting more discrepancies with the account as follows being reported as current to negative all in XXXX.
09/22/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MA 027XX	Web
Good Morning! - Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section XXXX of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act XXXX XXXX. ( a ) ( XXXX XXXX ability of consumer to dispute information directly with the furnisher. What I am disputing : The account you have reported to the XXXX credit bureaus. My basis for this dispute is that I have no knowledge of this account.
06/28/2022	Yes	Checking or savings account Checking account	Managing an account Banking errors	SC 291XX	Web
In late XX/XX/2022, I wrote a check intended to be for {$9000.00} to someone from my personal checking account at Synovus Bank in XXXX, SC. Unfortunately, I wrote the check ambiguously and it should have been rejected by the receiving bank. The check was cashed at XXXX Bank in NC ( with whom the recipient banks ) for {$9000.00}. Days later it cleared Synovus for {$9.00} ( see attached ). When, I looked at the check image, I saw the confusion and approached Synovus for advice on how to handle it. I contacted the recipient who verified that it had cleared for {$9000.00}. Synovus sent the balance of {$8900.00} to XXXX on or about XX/XX/2022 with my approval ( see attached ). XXXX claims to have never received this transfer and months later changed the cleared amount from the original {$9000.00} to {$9.00} claiming to have never received the funds causing a nearly $ XXXX shortfall in the recipient 's account at XXXX. I have contacted Synovus multiple times and have been told the money was sent and it is not their problem. The recipient has contacted XXXX multiple times and has been told they don't have it. I filed a complaint with the FDIC who sent me to the Federal Reserve who sent me to you. {$8900.00} is lost and neither bank can/will find it. This should not be possible in an electronic, protected banking environment. All I am asking is for them to make the effort to find the money and return it to me so I can write a new check or send it to the recipient where it belongs. In retrospect, I should never have agreed to the {$8900.00} transfer, but I had no idea that the money would just disappear.
11/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 90028	Web
In XXXX or XXXX of 2022, there were fraudulent/ unauthorized charges on my credit card in the amount of {$200.00}. I called my credit card company and filed a dispute for these charges. I was informed the transaction would be investigated and after 30 days would receive the results. After 35 days with no update, I reached out to the company to see what was going on. I was then told that my account would be credited the {$200.00} and that any past due/late fees accrued during this time would be waived. Another month passed and I received notice from my credit bureau that the account was delinquent and over the spending limit. My XXXX XXXX dropped significantly due to these claims. I once again reached out to my credit card company and was told that the account should have been credited {$200.00} back in XXXX and the past due and late fees should have dropped off. The representative could not explain to me why the company had not yet processed the credit and removal of any fees. I received a letter in XXXX that my account has been closed " per my request ''. I never requested for my account to be closed and once again, the representative could not give me information as to why the account was closed. The credit bureau is reporting a late/delinquent/closed account for my XXXX XXXX account, all of which is inaccurate and damaging. The company failed to remove my late fees and past due fees the accrued in association with an account credit of {$200.00} that was supposed to be honored. Due to their negligence, my account went past the spending limit due to late/past due fees and no promised credit.
06/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 770XX	Web
On XX/XX/XXXX I submitted a complaint through the CFPB complaint # XXXX stating that XXXX XXXX XXXXXXXX was using Color of Law to not only publicize and furnish inaccurate and private information but also that the information is FRAUDULENT and that has resulted from its own acts of FRAUD and IDENTITY THEFT as defined by 15 USC 1681 a ( q ) using extortionate means to collect on debts not owed which is a crime. I have made XXXX XXXX aware numerous of times that the transactions were unauthorized which the CFPB has sued XXXX XXXX for in XXXX File No : XXXX. In the attachment provided I asked that the company provide proof it acted with lawful authority when it obtained and shared my information to consumer reporting agencies, and they failed to do so. Instead, they responded to the CFPB on XX/XX/XXXX stating that the complaint is in progress, and on XX/XX/XXXX mailed a attached letter to my home stating the same thing in addition to numerous phone calls asking about the detains of FRAUDULENT XXXX. I have put this company on notice and have filed a valid FTC complaint which is also attached, however they have failed to remove this tradeline from all three of my consumer reports which is another federal violation 15 USC 1681 s-1 ( a ) ( B ) which clearly states : If a consumer submits an identity theft report to a person who furnishes information to a consumer reporting agency the person may not furnish such information that purports to relate to the consumer to any consumer reporting agency unless the person subsequently knows or is informed by the consumer that the information is correct.
01/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MD 20743	Web
Notice to Agent Notice to Principal ALL CONTRACTS ARE VOID! This is the truth and nothing but the truth. If it is not THE GREAT LAW, I XXXX XXXX XXXX the living SOUL, Will not take part or honor any law that governs the jurisdiction of an illegal fiction. I will not converse in any law that is not The Great Law. Meaning adhesion contracts are hereby NOW void because they werecohesion by deception, This is Written Notice to cancel, settle, discharge, delete, destroy, burn, eliminate disappear, get rid of all illegal fiction contracts. The United States government and the XXXX has been deceiving XXXX XXXX XXXX by promoting adhesion contracts, coercive laws, deceptive laws written under the pretax of our government, but its been fraud the whole time.Notice to agent is Notice to principal.I have a bandit all contracts due to the fact I have been deceive through legalese, and I have been trapped in the deception since XXXXMy birthright and blood rights has been taking away without my consent.This is Public Notice to ALL coming from XXXX XXXX and The Great Law of The REAL Americas ALL CONTRACTS ARE HEREBY VOID DUE TO NON-PERFORMANCE BY THE GOVERNMENT AND THERE CORPORATIONS! This is a Cease and Desist to all parties involved with trying to Contract without any lawful jurisdiction to my illegal fiction. Any corporation using any form of UNIFORM COMMERCIAL CODE or Maintaining a database of any information containing the name XXXX XXXX XXXX date of birth XXXX, Social security number XXXX is FIRED. Attached are copies of my identification and The American XXXX on The Rights of Indigenous Peoples!
08/21/2023	Yes	Checking or savings account Checking account	Opening an account Didn't receive terms that were advertised	GA 30013	Web
Dear XXXX Staff, We at XXXX XXXX ask you for your assistance and alerting synovus to the behavior of their branch manager at their XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX location. The branch managers repeated lying, and failure to keep her promises to their customers is absurd. This began a month ago now. First, she opened the account for us and sent the card to the wrong address. For the next two weeks we would repeat it we call the XXXX number and the local branch to have the problem fixed. She personally assured us that she would be resending the card expediated free of charge to us. Synovus should be able to pull up the recorded calls confirmijg this. Today I drove to that same branch, and spoke to an associate named XXXX XXXX. XXXX XXXX was kind enough to apologize for all that has happened, and told us she would be expediating a new card for us free of charge and would waive this month 's account fee since we have not been able to use the account at all due to the branch manager 's consistent mistakes. However, as we were literally driving into our driveway the branch manager calls us up arrogantly saying that we will have to pay for the expediated card. She even admitted without noticing that she had never sent a second card to the right address. Yet demanded we pay for the expediated shipping if we want the card now. Those are two clear lies she was caught in. For no other reason than her attitude problem. Her behavior is awful at synovus should be trusting their branches to people like XXXX XXXX, not disrespectful liers such as their current XXXX XXXX.
10/07/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	CA 94591	Web
On XX/XX/2022, my credit card was used at a XXXX XXXX XXXX ATM to withdraw the entire balance of my credit card. This was shortly after I had paid my balance off in full. I had never lost my card, meaning that the card information had been compromised during a previous transaction. After my balance was cleared at this ATM, there were several failed transactions all for {$200.00} each. These transactions never showed on my statement and I had no idea about them until I found out that my balance was gone and called the company to report the fraud. The credit card company, First Progress, failed to alert me to the fraudulent activity or notify me that my balance was gone. After waiting for weeks to resolve this, they reached a decision that they would not resolve this fraud and that I was responsible for paying back not only the balance, but all of the late fees and interest as well. I went for 2 months believe that my balance was paid in full, so I didn't realize that I was missing any payments. It wasn't until I went to make a small purchase and my card declined that I realized that anything had happened. First Progress is refusing to do any investigation into this and will not budge. My credit is being destroyed. Everything I have worked on for the past 4 years I being destroyed. I can not afford to pay what they are asking me to pay, nor should I have to. They allowed someone to get my card info and withdraw my entire balance and didn't even notify me one time. Also, this is a secured card. The balance is my security deposit. It makes no sense why I would do this on my own.
09/26/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MA 02124	Web
Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
10/31/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	NC 27511	Web
I am writing to bring to your attention a critical matter concerning a credit dispute with First Progress Credit Card ( " 1st Progress '' ). Despite repeated attempts to resolve the issue, First Progress has failed to provide a response or undertake corrective actions as mandated by the Fair Credit Reporting Act ( FCRA ). The purpose of this correspondence is to formally document the aforementioned issue and request your intervention in rectifying this matter. Account Information : Account Number : XXXX Alleged Charge-off Amount : {$150.00} XXXX wish to emphatically state that I have never maintained or held any form of credit card issued by First Progress XXXX Notwithstanding this fact, First Progress has reported the alleged charge-off of {$150.00} on my credit report, which is not only inaccurate but also severely detrimental to my creditworthiness. Furthermore, I have made diligent efforts to rectify this erroneous reporting by sending XXXX written disputes to First Progress on the following dates : XXXX. XX/XX/2023 XXXX. XX/XX/2023 Regrettably, I have received no response or acknowledgment of these disputes from First Progress. This consistent lack of engagement and the failure to adhere to the statutory obligations prescribed by the FCRA compel me to seek your assistance in addressing this matter. It is evident that First Progress has not complied with the requisite standards and best practices in the credit reporting industry. Their continued refusal to acknowledge and rectify this error has far-reaching implications for my creditworthiness and financial well-being.
03/22/2020	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	AL 357XX	Web
On XX/XX/XXXX i noticed several charges/withdrawals on my Synovus Checking Account : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and a XXXX. Also a mobile check deposit of XXXX, deposited into my checking account. I notified the bank that my cell phone, 2 XXXX XXXX cards, Synovus bank card, my drivers license and military id were taking from my hotel most likely by my now ex girlfriend. She had overheard my phone conversation a few weeks earlier resetting my debit card pin with a Synovus agent and my phone apparently auto saves passwords giving her access to my banking information and the ability to deposit checks. I informed Synovus I did not give access or give her permission to use any of my stuff and i'm the only authorized user on the accounts. Also informed them I never use mobile deposit and they should be able to verify that. I filed a police report and a FTC Form and supplied it to Synovus. I received notice on XX/XX/XXXX that they are not going reverse the charges because they think they are correct. when i reached out to Synovus I was told by bank manager, XXXX XXXX, I was responsible because i gave access to my phone to my ex girlfriend and it was my responsibility to keep my wallet and phone protected in my house to were she couldn't get it. I informed him again I never gave access to her and she isn't a authorized user but once again i was told it was my fault she took my phone and wallet and they are not going help. I have requested the documentation that they are using to come to their conclusion but I keep getting hung up on or told there is nothing i can do.
02/12/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	NE 681XX	Web
XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Nebraska XXXX XXXX XXXX Date : XX/XX/23 Dear First Progress, I am writing to file a complaint regarding my secured card account with First Progress. I recently reviewed my credit report and was disturbed to find several inaccuracies and violations related to my account that are having a negative impact on my credit standing and financial well-being. I have enclosed a copy of my credit report for your review, and I have highlighted the inaccuracies and violations in question. Specifically, I have found the following issues : Multiple charge-offs for my secured card account in the same year, despite the fact that the account was closed over two years ago. A fee for opening the secured card account that I was not informed of beforehand. Violations of my rights as a consumer, as protected under the FDCPA. I request that you conduct a thorough investigation into these inaccuracies and violations and take appropriate action to rectify them as soon as possible. I believe that these issues are a result of errors on First Progress 's part, and I have not authorized the reporting of this information. I would also appreciate a written explanation of how these inaccuracies and violations occurred, and what measures First Progress has taken to ensure that these errors do not occur in the future. I am providing this information in accordance with my rights as a consumer, as protected under [ insert relevant consumer protection laws ]. I look forward to hearing from you soon about the resolution of this matter. Sincerely, XXXX XXXX
11/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33033	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , MN XXXX XXXX XXXX XXXX total amount was {$150.00} and now {$57.00}. This account was opened on XX/XX/XXXX. 4 years and 10 months ago. I have no knowledge of this account. I have not paid on this account because I was not aware that it existed until I checked my credit profile. I have not received any billing statements from this account in mail or email. The account does not belong to me. I have requested a numerous of ID criteria, proof of verification from the company and all three credit bureaus ( XXXX, XXXX and XXXX ) and have been denied all adequate documentation. The account is closed but yet is still being reported as a delinquent account payment, which is causing harm to my credit and XX/XX/XXXX score, preventing me from getting approved for other financing. I have disputed this account repeatedly for 1year. The company refuses to show any documentation that the account verifiably belongs to me and I know they can not because it does not belong to me. This account is a fraudulent account and I asked the company to remove it on several occasions along with the all three credit bureaus. I have filed a local police report and filed a complaint with all three credit bureaus and placed fraud alerts on all accounts. This is causing harm to me psychologically, mental and emotionally this is causing stress and unsettlements financially. Because of all the fraud alerts it now makes it harder to get any financing, on XX/XX/XXXX XX/XX/XXXX, car, and housing. This is too stressful for {$57.00} that does not belong to me.
05/24/2017	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Problem with customer service	CA 94901	Web
This complaint pertains to my First Progress secured credit card which incurred a 30 day late payment due to an annual fee of {$29.00} incurred in XXXX XXXX . Earlier on XXXX XXXX XXXX , right before I left to Washington state to start a new business venture, I made a payment to pay off the entire account balance of {$1100.00} and closed the account. However, what I was not aware of is that the account had not been closed and would incur an annual fee in XXXX XXXX . When I returned home a few months later I found that m y credit score had dropped and a new late payment for XX/XX/XXXX - XX/XX/XXXX ha d been put on my credit report by First Progress. I immediately called and took care of the issue and once again request the account be closed and also requested that the late payment be remov ed. First Progress not only charged me their annual fee, but late fees on their own annual fees. In addition they said they would take over 3 months to refund my security deposit of {$2000.00}. Then despite my multiple calls and pleas to First Progress they refused to re move the late payment from my credit report, stating this was my fault, even though this was their own annual fee they put on my account. I consider these to be predatory lending practices. I had over {$87000.00} in my bank account at the time of the late payment and had I known that the account was not cancelled, I would have surely made the payment. I am in the process of securing a {$650000.00} mortgage for our family home, and this issue has cost me a loan approval.
04/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33594	Web
in accordance with the fair credit reporting act XXXX Account # XXXX 15 U.S.C 1681 section 602 A. States i have the right to privacy. 15 U.S.C 1681 Section 602 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written consent. I have tried over and over for the past 8 months to dispute and remove 3 loan accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These companies have been on my credit report due to identity theft and fraudulent charges not made by me. I've submitted documentations such as FTC reports and Police reports to XXXX to furnish to the creditors. XXXX has yet to remove the accounts even with substantial information claiming the creditors deem the accounts as valid. I applied for XXXX and XXXX XXXX XXXX XXXX in XXXX of XXXX while being XXXX to help with my medical bills however i did not get a chance to use the cards because they were stolen and used by a thief. There is also a fraudulent closed auto loan by the name of XXXXXXXX XXXX that i did not authorize. I backed out of the deal once i was advised i would be a co-borrower. The agents agreed to remove me off the loan application and come to find out later i was still on the loan. I've sent letters and reports and police reports to have the company remove me from any business with XXXXXXXX XXXX they still have not removed me from the account. I am requesting the companies remove me from their databases as these accounts were inaccurately reporting and not handled i the correct manner to take the proper steps in resolving these issues.
12/10/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	LA 70058	Web
I made a payment to First Progress by phone on XXXX/XXXX/2020. The only other way to pay is via XXXX XXXX or through my online banking. There is no way to pay directly online. This means that in order to prevent the payments from arriving late, I have to make the payment 2-3 weeks prior to the due date. That is not always possible for me because of cash availability and should not be a requirement. When I called to make the payment, I told the representative to collect the {$10.00} fee that they charge to make payments over the phone. I believe that {$10.00} to allow me to make a payment is excessive, but I didn't want to pay any late fees or have a late payment reported to my credit report. The representative did not take add the {$10.00} fee to the payment I made which left a {$10.00} balance that I was not aware of until I had a 30 late payment. I called to have the issue resolved, and they required me to send a letter. I sent a letter via us mail and they replied via us mail that the information is correct and they will not be making any changes to my account or to the reporting of my account. I don't understand why I am being punished for the error of the representative I paid {$10.00} to take my payment. I never checked because I believed I had a {$0.00} balance and had not used the card again. This inaccurate reporting is directly negatively impacting my quality of life. I talked to a friend of mine that told me a lot of people are suffering because of what first progress is reporting and the neglectful customer service we are receiving.
11/28/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Can't close your account	CA 94558	Web	Older American
On XX/XX/XXXX or before I closed my XXXX XXXX XXXX by phone. It was a secured card. My balance that day was {$1100.00}. The {$1000.00} security account was paid to XXXX XXXX reducing my balance to {$160.00} which I paid through my bank that month. The account was closed and paid in full. Subiscqkelty while I was in the hospital I started reciveing account statements for late fees starting with {$35.00} adding another {$35.00} each month. I did not have anyone alerted to pay a bill from XXXX XXXX because the account was closed and paid in full. By the time I saw and called the first bill was for about {$70.00}. They are now demanding over {$100.00}. I made three calls, one a month to fix the problem but was stone walled. No one called me back. I was not given a place to write or email. I was not allowed to talk to anyone who know what was happening or could fix the problem. All they did was threaten. When I closed the account a payment from my secured account of {$1000.00} was made well over the {$35.00} minimum payment needed for XXXX. My payment of {$160.00} was made upon demand constituting a second payment for the month of XXXX. I paid twice and they charged me a late penalty. As I attempt to get their attention they continue to add on charges every month to a closed account with a XXXX balance. I get the feeling in dealing with them that they are accustomed to such contemplates as mine and they have no interest is fixing the problem as long as they are making money. I am a senior citizen and feel I am being taken advantage of by XXXX XXXX.
01/07/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Company closed your account	FL 33578	Web	Older American, Servicemember
I got a prepaid Credit Card from First Progress Bank in XXXX I was charged a I deposited {$500.00} and was charged a {$49.00} annual fee a week was deducted from the initial deposit. Their was always an issued when it came to using the card each time I had to get authorization. My monthly payment of {$80.00} was deducted from the balanced but I still had to make a payment each month. in XXXX I was charged a {$40.00} late fee after the {$80.00} was taken from my balance if I was charged {$10.00} to pay with a debit card or send in mail which takes 2 weeks. I called in on XX/XX/2021 and ask that the account be closed and was told if I closed the account it would take up to 10 weeks from them to refund my balance. I told her to leave the account open so that I could spend the money. I was charged the {$40.00} late fee. I told account representative that I pay the {$80.00} he said it would take one say after the payment was received to restore the credit card. I the payment on XXXX XXXX. The funds were cleared my on XXXX XXXX. On XX/XX/2021 I went to used the card and it did not working. When I returned and check the mail, their was a letter from First Progress Bank letting me know th account cancelled. I called Costumer Service and to no matter who go to and file a compliant I was going have to wait 10 weeks every to get my deposit. he could not explain to me why it takes 10 weeks when I didnot have any issues with the account, no pending charges because I was unable to access the card for the pass 2 months I told him I want my money within 7 days
05/03/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	NV 89141	Web
I have been a customer with First Progress now for about a year, and have been making on time payments. However for the following dates : XX/XX/2021, XX/XX/2021 I have received late payments and have been charged a late payment fee. The problem is that these late payments were due to the fact that I was having immense trouble actually paying my bill. The First Progress platform makes it extremely difficult to pay your bill offering only 3 options, online bill pay, call in, and mailing in an actual payment physically. However I tried calling in to make my payment by phone and was told that their system would not let me submit a payment and I would have to use bill pay, which my bank account does not offer. So this limitation in payment options led to not being able to find a way to pay my bill on time. I eventually found a solution and had to settle with a company named XXXX to submit the payments to First Progress for me which is a major inconvenience, as I dont think its fair that I have to carry around two late payments because the company did not offer me a way to pay my bill on time. If I were to mail in the payment it would have been too late as well. I would like to remain a customer, I just would like this issue acknowledged as my credit report is very important to me, and I pay my bills on time. The company itself I have no issues with. They are friendly and its a good credit card. I just wanted to bring awareness to the payment limitations as it has caused probably others to become late on their payments as well. Thank you
10/07/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Can't close your account	NV 89183	Web
On XX/XX/XXXX, I applied for a secured credit card from First Progress. On XX/XX/XXXX, I paid First Progress {$2000.00}. My Credit Card Available Credit was to be adjusted to {$2000.00} First Progress agree to send a credit card for this account within 2 weeks from the date of my payment on XX/XX/XXXX. First Progress did not send a credit card until 30 days later. When I received the credit card and attempted to activate the card, First Progress claimed the card had been deactivated and a new card had been sent to my address. I never received a second card. I called First Progress to request a new card. First Progress still never sent a new card. After more than 60 days had passed, I demanded that First Progress close this account, remove it from my credit report, and refund my entire {$2000.00} payment. First Progress Authorized Representative agreed to close the account, remove it from my credit report, and refund my entire {$2000.00} payment. As of XX/XX/XXXX, First Progress has since requested a refund of the amount they returned to me and they have reopened this account fraudulently after closing the account. First Progress now has {$2000.00} of my money and refuses to provide access to this account, provide a valid credit card, and they refuse to refund my entire payment. I am now in distress and suffering financially because First Progress has caused my checking account balance to be negative {$2000.00} and I have no access to the funds they claim are available via a credit card account I do not have access to.
05/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19141	Web
My name is XXXX XXXX I am a consumer submitting this complaint on the behalf of my self without any influence from any third party being involved. Fraud had been committed, XXXX XXXX is using extortionate means to collect on an alleged debt. I do not owe that resulted from extension of credit which violates tittle 18 USC 892-894 and constitutes racketeering actives and extortion. This is a notice sent as per the Fair debt Collection Practice Act ( F.D.C.P.A ) 15 U.S.C. 1692 ( G ) section 809 ( B ). This is a request for accounting request raiding list of collateral or statement of account reference to U.C.C 9-210. This authenticated record must include all tax fillings ( including all 1099 's, and 1098 's ) any and all trades and /or investments and /or interests associated with this account of which I am alleged to be a party. This is also a Notice exercising my rights to prevent the processing of my personal data by XXXX XXXX. Please be advised XXXX XXXX is in violation of The Fair Credit Reporting Act 15 Use 1681a ( e ) and! 5 USC 1681b ( c ) ( 1 ) ( a ). First Progress is also in violation of the Gramm Leach Bailey Act 15 USC 6802 ( b ) ( 1 ) ( a ) - ( c ) I the consumer was never given an explanation of how I can exercise that nondisclosure option. Failure to substantiate the claim, please settle the accounts immediately and cease and desist all communication and have these trade lines deleted from my consumer report if reporting. PLEASE BE ADVISED YOU ARE IN VIOLATION OF MY CONSUMER RIGHTS THE FDCPA AND FCRA.
02/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NJ 08759	Web
I am having a serious issue with a credit company falsely reporting me as late for month 's of XXXX, XXXX, and XXXX. The card, mentioned above, was closed in XXXX. I made a large payment in, early, XXXX to settle the amount left on the account. My account was closed and payed off. Someone from the company charged my " closed '' account 10 dollars, without my knowledge or consent ; because, I spoke to a representative instead of charging my bank account. I had no knowledge of this! So, they then charged me membership fee 's on a closed account! For the month of XXXX and XXXX, and also charged me late fee 's and reported this to my credit report. This account was closed and I had NO knowledge of this. They have done nothing but give me a hard time! Refused to give me a simple letter for my credit repair person and remove this false negative report. Not to mention I spoke to them five times and gave them an additional payment in the month of XXXX for falsely charging my CLOSED account for Two plus months! And they still reported me as late and delinquent for XXXX. I have been working with a credit repair agency an this is prolonging everything! They have not helped me. They lied and said they would wave fee 's and fix the false balance on an already closed account that should of had a zero balance. They did not remove or fix anything! Instead they keep reporting this, and I need help. A letter for my credit repair man and to have this removed ASAP! I also would like to report them as unprofessional and for fraud!
06/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NJ 07501	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attn CFO : NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX XXXX XXXX XXXX it has come to my attention that you illegally reported my information to unaffiliated 3rd parties without giving me my disclosures. Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ). ( b ) Opt out ( 1 ) In generalA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I am hereby requesting all above disclosures required by Federal Law. Yours Truly XXXX XXXX, XXXX XXXX All Rights Reserved )
06/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NJ 07501	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX City, State Zip XX/XX/2023 XXXX XXXX XXXX XXXX XXXX, PA XXXX Account number : XXXX Attn CFO : NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX XXXX XXXX XXXX it has come to my attention that you illegally reported my information to unaffiliated 3rd parties without giving me my disclosures. Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ). ( b ) Opt out ( 1 ) In generalA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I am hereby requesting all above disclosures required by Federal Law. Yours Truly XXXX XXXX, XXXX XXXX All Rights Reserved )
07/31/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	VA 22003	Web
I signed up for the XXXX XXXX Secured credit card on 2 occasions. The reason why I signed up for the card was because I was told it would help me to improve my credit score. Well unfortunately it further damaged my credit score and XXXX XXXX also incorrectly reported this information on my credit report. I initially applied for this card between XX/XX/XXXX/XX/XX/XXXX. The card did not come in the mail. What I was unaware of was that a statement was sent in the mail for the annual fee ( which is billed the first month after the card is sent ). I had not received the card, and was billed for the annual fee, which prompted me to contact the company. As a result, the account was closed, since the card was not received nor used and the deposit of {$200.00} was refunded. I was told that the negative reporting of the late payment would be removed from my credit report in lieu of the issue. This is still reporting on my credit report as of XXXX ( almost 1 year later ). I decided to give XXXX XXXX a try again, applied for the card in XX/XX/XXXX. The card did not show up, however I was charged the annual fee for the card, which went unpaid. This also showed up on my credit report, which prompted me to call XXXX XXXX again. I spoke to a representative named XXXX on XX/XX/XXXX @ XXXX. XXXX told me that I would receive an account closure letter, a refund for my {$200.00} deposit that was made and that the negative reporting for the months of XXXX and XX/XX/XXXX would be removed from my credit report.
08/15/2016	Yes	Mortgage Other mortgage	Application, originator, mortgage broker	GA 307XX	Web
I applied for a construction loan through XXXX ( branch of Synovus ). After asking for a detailed list of steps involved in the process, I was verbally informed one of the steps would be to add my builder to their approved list of builders. My understanding was this was an effort to establish an ongoing list of approved builders in order to expedite the customers search for a builder. After approximately 8 weeks, I was informed they were unable to add my builder to their list due to them reaching the maximum number of builders acceptable by corporate policy. I was not aware this was a potential risk to my construction timeline and they were absolutely unwilling to make an exception. I requested a list of approved builder qualifications, but they insisted this decision had nothing to do with anything else. When I asked for the situation to be escalated, I received poor customer service from several people in mid level and upper management within both XXXX and Synovus. They failed on multiple accounts to provide promised follow up calls and none were knowledgeable about the policy. Due to time constraints for myself and my builder 's schedule, I had no choice, but to pursue a loan with another institution. As a consumer, I feel this was a very poor and costly experience. This has caused much stress on me and my family and it should have been avoided or at least properly disclaimed and explained. This would 've enabled me to make a more informed decision and account for the potential setback.
04/20/2017	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	TX 77039	Web
I had a collection beacuse I have not paid to Fisrt Porgress and They pass the account to XXXX XXXX XXXX XXXX . I talk to this company and agree to pay the amounted owned. So they will sent me a paid of letter. That happened XXXX XXXX ,2017 Afte r paying they told me that they will send that paid off letter and I was expecting that letter and I never get it. Finaly in XXXX XXXX , the collection company send me a paid off letter, however I do not need that letter from them. I want to buy a house and they do not provide me the lette r from First Progress, whic h is my original company that I used to own money. I have contact them many, many times ... they told me sometimes yes, we will send you the letter, another times they keep telling me No ... You need to write a letter to request us that paid off letter, and I did so XXXX XXXX , and I receive a letter from them this time they said that they are unable to fulfill my request. I see no reason for them to do so if I have paid off what they ask me .... What is the problem I have contact them at XXXX XXXX XXXX XXXX as many times as i can.. Almost four times a week.. They even record the communications Also they said ok I will let you speak to another department and they tranfer me as many times as they want It is like they are playing with me and my time. Even when I said that i summit a complain with you. They said that I can do what ever I want ... .Thay do not try to stop me .... Help
12/21/2018	Yes	Mortgage FHA mortgage	Closing on a mortgage	FL XXXXX	Web
In the beginning month of XX/XX/2018, I started my process on first time home buyer with XXXX XXXX, during the process I had to put forth XXXX dollars with earnest money for the home I am interested in purchasing. The lenders have made this a long drawn out process, the application was sent to the under writer, and was returned for a few documents, every time I send a document, the next email is for a different document. They have been calling my bank asking for information, calling my employer, asking for information that violates my privacy. I have submitted the same documents over and over. I received a request today asking for a voter registration, it seems I am being racially discriminated against. The more I submit the more they request. A long drawn out process. They continue to state that the reason they are so detailed is because of the down payment assistance which is less then XXXX, however ; it is a great importance for a young single mother such as myself. They dissect every little thing finding a concern they may not be merited. They say the earnest money I had was void cause my dad had giving me money, but the earnest money was paid by me out of my account. Then they stated my income was not enough based on debt to ration, things included that may not be merited, I then asked my mom to come on the mortgage, she agreed, they said she didn't qualify for the Conventional Mortgage, now they are stating I am under the FHA, every step is a hurdle and complications.
02/22/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	LA 70065	Web
Hello, I received my complaint response from XXXX XXXX, and I have read the information that was sent back to me in which I have questions. I see were it states that yes I did ask if there was an option to pay for delete, and you do no not offer that service. I also see were it states that XXXX is NOT reporting to the credit agencys. What do you mean exactly? Do I pay XXXX, and then you report to the agencys that it is paid for? Yes I did speak with a person who is a representative ( 1 ) time from XXXX. When you say ( 3 ) times to my line from XXXX in which I did say there were multiple calls to my line that is correct. More than ( 1 ) is multiple calls to my personal phone line. A recorded line should prove and indicate of one recorded phone call with a male representative on XX/XX/2022 like you stated. Only one call. I have asked for ( 4 ) items to be sent to my mailing address you have one file. In this complaint, you have sent me ( 22 ) copys of paperwork from First Progress and also including XXXX. I have yet to see a copy of my contract in which I have asked for. I see my billing statement, I see a copy of XXXX XXXX letter and it keeps repeating to the last page. Where is my contract that I have asked for more than once? I am trying to work with you to get this resolved in the best way possible. Can you tell me what I can do to make XXXX meet to get this closed account off of my reports? Possible paying 50 %? Please help me get this resolved. Thank you.
03/28/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33137	Web
Dear Sir or Madam : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that SYNOUSBK/XXXX absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files. Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. [ Consumers should redact information that is unrelated to the dispute with this company. ] Also enclosed is a copy of the FTC Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection.
02/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	MD 21207	Web
This company is reporting late payments on my credit reports. According to the FCRA reporting of my payment history is illegal. This company is also in violation of GLBA because my consent is needed in order to share my non public information with nonaffiliate company such as XXXX, XXXX and XXXX. Below are 2 of the federal laws that this company is violating. 1 ) 15usc6802 : A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 2 ) 15usc1681A ( 2 ) ( A ) ( i ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Failure to update all payment as current within 30 days make this company liable for {$1000.00} per violation according to 15usc1681N
02/06/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Advertising and marketing, including promotional offers Confusing or misleading advertising about the credit card	OH 44108	Web	Older American
In trying to build a credit history through a credit repair comp ( XXXX XXXX ) I decided to apply for a credit card. In reading the information about the card they offered a Secured credit card and it read I need to pay {$99.00} in order to open a account. I'm a little cynical about so I read on the Internet but it offered that I could initially pay the processing fee and in 30 days pay the {$99.00} by the XX/XX/XXXX or 30 days. I paid it at the beginning of the month and I decided to check if they received the money because it was the first time using online bill pay through the bank. Well they tell yes they received it and when I pay an additional {$99.00} then I can activate the card. I tried to explain that was not what I read. And if it requires {$200.00} then didn't it asked that in the beginning. I feared it could be a scam but it seems like it might be legit. Regardless I requested my money back and they told me of some long process by which they will mail me a check. I thought when we went electronic we eliminated the lengthy process of mailing a letter. So to me they are sitting on my money to draw the interest then after they make money off of people who are on the lowest rung of the financial ladder. It's already ridiculous the interest rates themselves is gouging unnecessarily. The woman who I spoke to basically hung up on me as if to say ..Deal with it!! And they refuse to return the processing fee. Is this the personality of our Financial Institutions??
02/25/2019	Yes	Money transfer, virtual currency, or money service Mobile or digital wallet	Unauthorized transactions or other transaction problem	GA 318XX	Web	Servicemember
Contacted XXXX XXXX for refund sent to inactive account for son Called XXXX, rep answered XXXX XXXX XXXX. Advised needed to validate account and asked for pass code. Said sending a text to validate account advised to get son on phone to validate his account. Told me to logout of XXXX XXXX while refund processed. Read off last transactions to me. Said could see sons account was inactive and a new account was formed. Said could not verify son. Received weird text from XXXX XXXX saying cancelling {$210.00} payment. Rep said that was part of the process to validate. Said needed another contact in my cash app to third party refund. Called my mom XXXX XXXX. The rep gathered same info from her. Put me on hold. Got a fraud alert from my bank. Asked rep what was going on because bank called and texts started coming in sayin pin changed, card disconnected and money transactions and cancellations. Rep hung up. My account had been wiped cleaned. I tried to get back in XXXX XXXX. Contacted fraud alert at my bank. Deleted account to prevent further transactions. My account was wiped of {$4600.00} in about 22 minutes while on hold with the fraudulent XXXX number. XXXX XXXX investigated and concluded my account was compromised and advised me to contact my bank for a refund. My bank denied the dispute and advised me to contact XXXX XXXX since I initiated contact with the fraudsters and file a police report. XXXX XXXX has yet to respond on my next steps for resolving my refund
10/26/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Problem with customer service	PA 19139	Web	Older American, Servicemember
First Progress credit card company of XXXX XXXX, XXXX XXXX. Has denied my request for billing Statements for my secured credit card Acct. An any financial correspondence sent to my billing Address. That request was denied which leads up to my inability to dispute or to lodge legitimate disputes based on Written financial correspondence. My acct was Closed for over a year FIRST PROGRESS never notified me of Acct closure. Nor will they provide me with any letters that they sent notifying me of My ACCT CLOSURE. On or around the XXXX XX/XX/2022, I tried to close my acct which was already closed! So I could get my security deposit back.Customer service agent said it would be a few weeks before refund check would arrive.On XX/XX/2022 I received a FIRST PROGRESS CREDIT CARD in the mail. Called to find out why they sent me a card? They said I requested My Acct to be opened! But As I stated I asked them to CLOSE the acct. Now they refuse to provide me with any correspondence where I asked for them to open my Acct.. Furthermore they want provide no correspondence on any activity on my acct by me or FIRST PROGRESS.. They refuse to show me where I said open up my CLOSED ACCT. They Also deny not knowing what CUSTOMER SERVICE REP MADE CHANGES OR VIEWED MY ACCT ON or around THE XXXX XX/XX/2022. Someone opened up my Acct without my Approval. Now they wont EXPEDITE my refund after my acct has been closed for over a year without any correspondence from First Progress on said matter.
01/30/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	VA XXXXX	Web	Servicemember
Please consider this letter as my formal complaint against XXXX XXXX who has not placed a notice of dispute on my account within 30 days of my dispute. I have sent a certified/return receipt dispute letter to XXXX XXXX requesting verification of balance owed on the closed account. This dispute letter was received by XXXX XXXX on XX/XX/2018. I sent another certified/return receipt letter informing XXXX XXXX that the notice of dispute was not furnished to the credit bureaus. This letter was received by XXXX XXXX on XX/XX/2018. XXXX XXXX has violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. They are liable for willful noncompliance, as per FCRA 623 ( a ) ( 3 ) Responsibilities of furnishers to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. ( B ) Time of Notice ( i ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ).
09/24/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	PA 186XX	Web
First progress card Secured Cards has {$2000.00} hold on my accounts reported my account to XXXX and XXXX after 30 days of non payment minimum due instead of waiting 90 days plus holding my {$2000.00} for security deposit. These people has. I shame because I explained this on a fax. The problem was I was overseasast 4 months and they charged me annual fee of {$29.00} when I was overseas for service. They never sent me any email about it as well so of course I couldnt make the payment not knowing I owe them money. I made the maynent as soon as I came back from overseas plus with late fees. But THEY HAVE NO SHAME they destroyed my credit report even after 30 days of missed payment. All other credit cards wait for 90 days but these crooks didnt want to wait and they purposely destroy my credit score. I want them to IMMEDIATELY remove the credit report and compensate for the damages they caused me please Credit cards ending XXXX and XXXX They have a terrible system of making payment anyway. Customers dont have a way to make payment instantly but wait almost 2 weeks so i can send the money digitally from my own bank. Thats how they make their customers fail their payments otherwise they would had better and faster payment methods. Plus they holding XXXX {$1000.00} security deposit anyway so why would they report me after 30 days and I am overseas plus they never sent any email about the yearly fee {$29.00} because I never even use these terrible cards
11/29/2022	Yes	Credit card or prepaid card General-purpose prepaid card	Unexpected or other fees	FL 34639	Web
RECORD OF ACTIONS * Tuesday XX/XX/XXXX * Realized they were recording a delinquency * Tried to contact company on website * They do not have number listed * They asked for the account number * which you only get with the card we never received ) * XXXX * Called and spoke to employee # XXXX * XXXX * XX/XX/XXXX * He informed me that * we shouldve received the card since we sent it out * They have been reporting {$43.00} delinquency for the annual fee * I told him Id be happy to pay the annual fee, but since I never received one piece of mail I was not going to accept them reporting me late * I asked to speak to someone that could take that delinquency away. * He would not give me an account number or forward me to the the proper person who could help until I paid my late fee. ( Which was the very thing in question ) * Then he told me the only way to contact the people who could help was through FAX number. ( Which he refused to give me ) * CREDIT BUREAU * I contacted XXXX directly and disputed the charges * I also reported a fraud * File # XXXX * CURRENTLY * I have an pre-paid credit card account on my credit bureau that I applied for, was approved, never received and has been charging me and now has been showing me delinquent * I do not have a card, card number, account number, can not sign into the account, nor have I ever charged anything * The only way they will attempt to resolve is via FAX and only if I pay what I supposedly owe first
12/20/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CT 060XX	Web	Servicemember
Each of the following companies called and told them to remove from credit report also mailed letters ask them to send me copys of my signature on a credit app asking for credit with no results each one is listed below 1/. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX sc XXXX phone. XXXX This one is fraud never heard off them or did get credit from them need removed N 2. /. Same problem as above XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone XXXX XXXX 3/. Same as above XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX va XXXX Phone XXXX N 4/. Same as above XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX mi XXXX Phone XXXX The following were secured cards that took deposits from me i of XXXX each and charged card fee and yearly fees contacted them also by phone and mail with no results they would not return my money after term so I cancelled the cards and they filed profit and loss on there taxes as write off and need them removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX nv XXXX phone XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX phone XXXX XXXX XXXX XXXX XXXX XXXX wi XXXX phone XXXX The following two never heard off them just appeared on report need them removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX phone XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX phone XXXX Thank you for youre help I am trying to get a house I take care of my parents that are XXXX and XXXX been married for 70 years father is XXXX XXXX XXXX veteran
09/08/2023	Yes	Credit card General-purpose credit card or charge card	Closing your account Can't close your account	OH 43081	Web	Servicemember
I had an account with first progress a XXXX credit card with a {$200.00} limit. I had called to close the account and paid off the balance in full. I asked for proof to be mailed. A month later still no statements mailed and my access to the app and online portal was locked effectively preventing me from monitoring or paying on the account. It is a violation of federal law not to provide an account statement. I called in and the agent claimed the account was still open and when asked why he said a late fee had been charged. Come to find out they had not closed the account but instead had charged late fees for XXXX XXXX and XXXX months after it was closes and paid. When asked why three late fees and there should have been no balance they refused to provide or mail statements they just claimed the charges was valid. Ibmade a request to remove the fraudulent late fees which the entire remaining " balance '' on the card is just the fees. I have not used the card since paying it off since it was closed. First Progress is using deceptive banking practices such as fee gouging and refusing to provide account access to be able to even pay or monitor the account to charge over {$120.00} in fees on the card since it was closed. I even paid one of the fees when I closed the account not knowing it had been added. Since then two additional fees have been added to the closed account. This is illegal and to this day XXXX am refused accounting statements
09/20/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Application denied	NM 871XX	Web	Older American
I applied for the First Progress secured credit card on XX/XX/2021. I was told that I was approved and that I needed to either make a {$2000.00} dollar deposit or send {$29.00} for them to process the card and then after I receive it then make the deposit. I decided to pay the {$29.00} After three weeks of not receiving my card I contacted First Progress to find out about the status of my card and ask why I did not received it yet. The customer representative told me that the reason was that I needed to send a copy of my drivers license and a copy of a utility bill, to which I said that I was ready to do. I asked if I should email the documents or send them by regular mail. The customer representative told me that I had to fax them, however she stated that it was to late already and that I needed to re-apply and paid an extra {$29.00} I asked to speak with a Manager since I felt that what was going on was totally unfair. I spoke to a Manager and explained the issue. He told me that in deed I had to reapply and pay an extra {$29.00}, which I told him it was absolutely absurd. First, they never told me about the extra paperwork and second they wanted me to pay more money. I mentioned to the Manager that it stated in their fine print that if I was to be denied for whatever reason I would get my money back. He said : Im sorry, but if you want your card you have to re-apply and pay an extra {$29.00} Totally unfair. This people are thieves.
02/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	OR 975XX	Web
I have called this company 31 times first progress credit card they refuse to remove highest balance of {$89.00} which is created from annual fee and late fee from not paying annual fee { period } I canceled my account without using the card on XX/XX/XXXX I was told the money order I sent in 16 days prior to due date that they never got. I was told if received after cancellation it would be mailed back to me first progress cashed the money order XX/XX/2021 then sent me a statement stating I made a purchase of {$49.00} and the statement showed {$49.00} was paid off. first progress refuses to remove late payment on credit report and stole my {$49.00} I have been hung up on by supervisors lied to by other supervisors XXXX, XXXX or a couple of the names I remember, telling me that they can not remove the highest balance. they illegally cashed my money order { period } and they are damaging my credit score knowingly. I sent in Goodwill adjustment letters they had said they would fix the incorrect information on my credit reporti they did not I had contacted XXXX and when first progress replied back the stated they fixed it they did not. This company is taking advantage of people lying to the consumer and stealing their money { exclamation-mark } I have all of my paperwork from every single statement they have sent me each month to copies of their response writing XXXX. I also have the receipt for the money order that first progress cashed.
06/12/2015	Yes	Bank account or service Checking account	Problems caused by my funds being low	GA 317XX	Web
XXXX ( Synovus ) charged my account XXXX separate fees of {$36.00} totaling {$210.00} plus a separate fee of {$35.00} the next day. The {$35.00} fee was described as a continuous overdraft charge. On XX/XX/XXXX, I had an electronic transaction in the amount of {$370.00} presented to the bank. However, I had dated the transaction for XX/XX/XXXX. When I saw the bank had prematurely processed the transaction, I immediately deposited {$400.00} to cover the charge. The electronic transaction plus XXXX small transactions were still pending when the deposit was made. On following business day, the bank charged me the {$210.00} for the XXXX small transactions. These XXXX small transactions were arranged by the bank in the order to where the large transaction was paid first followed by the small XXXX transactions. This was done in order to maximize the number of overdraft fees. The bank 's response was that electronic transactions are always paid first and it was just a " coincidence '' that the electronic transaction was larger. However, I have evidence that this is not the case in where I have had a larger debit card transaction paid ahead of smaller electronic transaction previously. Synovus has a history of the practice of acting in bad faith by processing transactions in an order that would net them the most in overdraft fees as seen in the lawsuit " XXXX v. Synovus Bank. Synovus paid XXXX XXXX to settle this lawsuit just last year.
06/15/2015	Yes	Credit card	Other	NJ 08087	Web
I accidently over paid my card. It is a prepaid card with a XXXX dollar credit limit. I have had a XXXX dollar available limit for some time now even though I owe nothing and have overpaid the card by XXXX dollars. the payment wsa smenat for my fiances acct. I havent asked for the credit back or even to apply it to something. I was instructed that as i spend on the card it will be taken out of the credit first yet I have tried to use the card and have been unable to. I was told payments had to post and i understand the float is their business model. Isnt there laws in place to limit the time they can hold money and not post it to accoutns? secondly they repeatedy accpet a payment then ask for a payment less than XXXX days later and if its not made it slate. Thats not possible, If you pay for example XXXX dollars on the XXXX wiht a min payment due of XXXX dollars how can the XXXX another payment is due or a late fee incurs when yo obviously made a payment that month. This company is a constant violater of proper financial parameters by delaying posting of monies and attemting to bill customers with overages and lates. I know I 'm not the only person who has brought this to your attention. I can see what they have attempted to do to me. I have money so i can easily rectiofy my situations before they get my money. I thought the federal govt was suppose dot monitor companies like this to protect consumers form abuse
03/26/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	TX 75052	Web	Servicemember
I had a seruced credit card with First Progress with a {$200.00} limit I had to give a security deposit of {$200.00} dollars before using the card I cancelled the card and was told that the deposit was suppose to be returned in 90 days the card was cancelled XX/XX/XXXX and the money was suppose to be mailed to me and it never came I call the company back on XX/XX/XXXX about the deposit and was told that the check was returned back to them by the post office so I gave First Progress another address to send the deposit to and I was told that it would take 30 days to update the address and a check would be mailed out afterwards and I still didnt get it I called back to see why I hadden gotten it i asked what address it was sent to and was given the old address I ask to speak to a supervisor and was told that one wasn't available I have waited 5 months on my security deposit and havent gotten it and each time I ask for a supervisor am told XXXX isnt available and I have updated my address with them multiple times and Im always given the old address when I ask about what address are they going to send the check to the address that the check needs to be sent to is XXXX XXXX XXXX # XXXX XXXX XXXX Tx XXXX but they keep telling me the address that the check will be mailed to XXXX XXXX XXXX XXXX Tx XXXX and I have given them the new address time and time again I dont see were the difficulty is coming in at this is simple
05/12/2020	Yes	Mortgage Other type of mortgage	Trouble during payment process	FL 33133	Web
My loan began with Florida Community Bank. In good faith effort to repay {$10000.00} for a short-sale balance due. This originated back in XXXX and was from a former line of credit. The documentation clearly indicates an excellent payment history. The load has a maturity date of XX/XX/XXXX. Over the past 6 years, I have made payments equal to or more than requested in a effort to avoid any late payments and repay the balance in a timely fashion. On several occasions, they have marked my payments late and have had to correct it by sending the credit bureaus letters of correction, which usually takes a month two for the correction to appear. In order to prevent this from happening over and over again, I spoke with the loan officer Ms. XXXX, whom I have dealt with many times in the past and has been very patient and incredibly helpful. Since the acquisition by Synovus, my payments have been showing up late and Ms. XXXX found that the bank refused our original agreement and decided to charge-off the account ; In turn, impacting my credit score negatively just as I was about to refinance my mortgage in order to lower my payments ( I have been forced to try and save due to the COVID-19 impact on our finances ). Synovus offered to reduce the balance if I paid 70 % in full. I have asked if they would consider 50 % to 60 % and clear my credit. It has been over 5 days and I have not heard back from anyone at the bank.
09/13/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	AL 368XX	Web	Servicemember
Good Afternoon, On XX/XX/XXXX, I closed on my refinance with XXXX. My first payment was not due until XX/XX/2021. I, however, made a principal only payment of {$950.00} on XX/XX/XXXX in the XXXX branch located in XXXX, GA. I also made the regular monthly payment plus additional principal ( {$750.00} plus additional principal of {$190.00} totaling {$950.00} ) on XX/XX/XXXX at the XXXX XXXX, AL location. On XX/XX/XXXX XXXX sold my mortgage to XXXX XXXX, however, as of this time, no payments have been made to my mortgage at all including the payment due for XX/XX/XXXX. When I called XXXX to find out what happened, they told me all funds are being held in an " undispersed '' account until the mortgage transfer is finalized. When I asked why my payments were not processed they told me this is " standard process in this type of loan ''. I am accruing interest on the full value of the loan instead of decreasing my mortgage by what I have paid. When I view the escrow file, XXXX has a balance of {$2600.00} while XXXX has an escrow balance of {$2400.00}. When I have asked for a full accounting I am told none exists and that once the final transfer of the account over to XXXX I " should '' be able to get this accounting I am looking for. I have made all payments in good faith, and to deny me access to a full accounting and to not process my payments in a timely manner I am adding compounded interest to my mortgage.
05/23/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	NJ 08021	Web
In XXXX of XXXX I was forced to XXXX from my job due to XXXX XXXXXXXX pandemic. My mother was battling XXXX and my job as a XXXX was exposing me to the virus so I made a hard decision to XXXX for the healthy of those I live with such as my mom. This caused me to be left with little to no income. My husband was still employed however all income went towards our inhome bills such as mortgage, electric, heat, and funds to take care of our XXXX children. Any extra that my husband had we tried to keep up with the car payments as much as we could. We were able to keep all payment current until money fell a little short in XX/XX/XXXX. As of XX/XX/XXXX I became employed again with a job back in my career and my family is finally getting back to happiness mentally and financially. As of my first paycheck in XXXX I brought the account fully current. I then made my XX/XX/XXXX payment on time as well and will also be making my next due payment on/before XX/XX/XXXX as planned and continue to keep up and go back to my perfect payments. This complaint is a chance for me to explain my issue to FIRST PROGRESS and attempt to get my late payments from XXXX & XX/XX/XXXX removed as a courtesy. My husband and I are planning on buying a home late this year and this will negatively hurt us so please help us. Thank You and I would greatly appreciate it. My account is now current and I plan on paying the card of in XX/XX/XXXX.
09/28/2017	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	MD 206XX	Web	Servicemember
This account was closed last year. I sent a letter and money order to CEO, for account deletion. On XX/XX/XXXX I pulled my credit report and saw that I had a balance left with XXXX XXXX XXXX in the amount of {$160.00} which was what reflected on my credit report. On XX/XX/XXXX I contacted XXXX XXXX XXXX and spoke with XXXX whom informed me that any correspondence would need to go to the Office of Compliance at XXXX. XXXX XXXX, XXXX XXXX, TN with attention to the Office of the CEO. I wrote a three paged letter explaining the reasoning as to why I fell behind, and asked that if the account was paid in full according to what is being reported with the credit bureaus that the account be deleted from all three burueas. I also wrote directly on the money order number XXXX that in cashing this money order you consider this account paid in full and agree to remove the account from all three credit bureaus ( XXXX, XXXX, XXXX ). As of today XX/XX/XXXX I contacted First Progress as to the status of the agreement and was informed by XXXX and XXXX XXXX that my payment was accepted and processed on XX/XX/XXXX. However, the company did not remove the account and on XX/XX/XXXX at XXXX XXXX reported the account to my credit as negative, with a XXXX balance. I am requesting that the company comply with the agreement that was set forth in the letter and on the money order that they processed and delete the accounts.
07/26/2019	Yes	Debt collection Credit card debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	TX 77521	Web	Servicemember
I am a XXXX XXXX permanently XXXX Veteran, living on a fixed income. After completing my service time in XX/XX/XXXX, I have had to have numerous XXXX that have deemed me unable to work. I have had this item that shows as First Progress with a balance reporting of {$190.00} charged off, on my credit report. First Progress is a secured account, that I sent the company {$300.00}. In XXXX of XXXX- I reached out to all and any creditors and made them of an upcoming XXXX on my XXXX, due to a XXXX injury in XXXX . I am quite positive that all credit accounts also included the fee of " XXXX insurance ''. However, when the time came- no one knew anything about anything to help me in a situation that I became XXXX from serving our country. I call the number and no one can explain how I owe {$190.00} of my own {$300.00}. The company is actually still mailing me statements showing a credit of {$1.00} on the account. I got nothing telling me a charge off was being placed and the company will not verify anything for me, nor allow me to resolve the issue. I only want to validate a debt and try to find a way to settle it, so that my credit is not tarnished. I was unable to pay anything, waiting for my SS XXXX to kick in but this account would have been paid through collateral of my own funds, as it was a secured account. I dispute through the credit bureau and get nothing. I call and am told nothing.
03/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IL XXXXX	Web	Older American
I had 2 secured credit cards with First Progress. After receiving a unsecured card from another credit provider I called First Progress and asked them to close these 2 accounts and refund what monies I had left in my savings after the accounts were closed. They stated that the deposits will be used to credit the amount owed on the cards, which I had no problem with that. I wasn't looking for a big refund since I had a balance on both cards. I just wanted the accounts closed! They said that it would be taken care of. So I waited for my refund, but instead I got a statement on both accounts that they were past due. So I was charged a late fee and I called right away to find out why these accounts were not closed as requested. They stated it takes 15 day to make sure no further charges came through. So they continued charging me late fees and if I recall I think they charged me a over the limit fee. I told them I was not going to pay late fees and these accounts should have been closed and my little refund sent to me. So since I told them I was not paying any late fees. They kept reporting my account late until they finally sent it to collections and wrote it off as a charge-off and continued reporting it to all the bureaus. These account were secured and they should have been closed as they were asked. Nope let 's charge him late fees/over limit fees and write it off as a charge-off.
12/01/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	MI 491XX	Web
I rented a car from XXXX. I returned the car when requested. They put a {$72.00} hold on my card ( and some change ) However they charged me for two days, because apparently they couldn't locate the car in construction at the airport. I parked where requested but there was no employee there to assist. They charged {$160.00} on XX/XX/XXXX. I called XXXX XXXX to dispute it. They suggested I cancel that card and get a new one to prevent them from charging any more. I did. My dispute started then. They removed the charge from the original card and put it on my new card. Then in XXXX they allowed XXXX to put on XXXX for {$22.00} ; XXXX {$65.00} ; and XX/XX/XXXX {$7.00}. They show on the statements they credited it, but am still requiring payment on it. They never had my new credit card number to get authorization for it, so not sure how XXXX can even charge my card. The bank is showing {$220.00} in disputed charges. But again am requiring me to make payment. I closed my account as the only way to prevent them from allowing more charges and charging me more interest and fees. Can you please help. You can't talk to anyone about it, other than customer service. No email, no fax. You have to plan on at least an hour when you call them as they don't answer their phones, due to " covid '' I don't know how they can continue to allow charges when no one has my new card number or authorization.
09/28/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	FL 32309	Web
Back in XXXX I placed a preorder for an item with XXXX company on my XXXX Between that time and when the payment was to be processed ( XXXX ) I had to get a new card due to someone getting a hold of it and starting to make false charges. Due to this I had a differing card number than back when I made the preorder. The XXXX company pushed the charge through from the old XXXX card to the new XXXX card. This preorder went through on XXXX for XXXX on my Synovus personal XXXX However, later in the week I cancelled this order with goodsmile company. They refunded that amount to the old XXXX number and not the new one. Upon contacting that company several times they suggested I contact the XXXX company. I've contacted the XXXX company now three times about this issue. Each time I'm told they 'find ' the refund and that they'll move the refund to my current account. That this issue would take 7-10 business days. Each time the 10 business days pass no refund to the charge appears. I call again and get the same runaround on how they 'found ' the refund and that it'll be another 7-10 business days to " process '' this credit to my current XXXX. This how now not happened twice and the third person is giving me the same song and dance. At this point the XXXX company will now be collecting interest on a charge that should not be listed or on my account without the corresponding refund.
07/17/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	MN 55369	Web
I am writing in response to your recent communication dated XX/XX/2023, regarding a balance of {$460.00} attributed to me, XXXX XXXX. As previously mentioned, I am willing to fully settle this account if corroborating documentation validating the authenticity of this claim is provided. Although I respect the protocols and systems used by SYNOVUS for risk management, it is my right to demand documentary evidence of the financial transactions involved, based on the provisions of the 15 U.S. Code 44. I am requesting all relevant documents, correspondences, books of account, and financial and corporate records related to this account. Furthermore, pursuant to IRS Publication 583, I am requesting for a detailed breakdown of journal and ledger entries from the date the account was opened. I seek clarity regarding the origin of the funds and the current outstanding balance. Your response noted that the account charged off correctly on XX/XX/2023. However, I require comprehensive clarification on the application of 12 U.S.Code 83 relating to my account. This statute states, " No national bank shall make any loan or discount on the security of the shares of its own capital stock '', hence, I am keen on understanding how the balance was derived. Please understand, I am not seeking account deletion for making the payment, rather I want clarification of the issues raised above.
09/21/2022	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	FL 34714	Web
Received a phone call on Monday, XX/XX/XXXX from XXXX directing me to call XXXX, XXXX XXXX XXXX in California about a pending civil suit against me. I did not make the call and instead told the person calling it was a scam. She called me again today as after researching the numbers they were both coming up affiliated with scams. She asked me to please call and do a conference call so she could hear. I did this. The person, XXXX who answered the phone started rattling off a company, Columbus Bank, and said it was for an XXXX credit card. I have not had an XXXX credit card in over 20 years and it was paid in full at that time. Of course, being so old I do not have any of the paperwork. She proceeded to read my entire credit report to me which means this supposed law firm or debt collector pulled my credit without my permission to collect a credit card debt that does not exist. She said she was filing in my county tomorrow and hung up. I called back to speak with somebody else but they refused to let me and said I could only talk to her so I hung up and refused. XXXX. The card was paid in full. XXXX. It is over 20 years since I paid it so would be way past the statute of limitations. XXXX. What can I do about my credit report being pulled without my consent from what I understand, this is illegal in the state of Florida to pull a credit report to pursue legal action.
05/14/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	LA 70806	Web
On XX/XX/2019 I mailed a payment in the form of a money order First Class, Certified mail to First Progress in an attempt to satisfy a debt they stated I owed in the total of {$120.00} to the following address that was given to me over the phone by their company and was also reporting on my credit report : XXXX. XXXX XXXX XXXX XXXX, Tennessee XXXX. On or around XX/XX/2019 I contacted XXXX XXXX to find out if they had received the payment, since I had not received a receipt or any correspondence, and a representative from their company stated that they had not received my payment. However, when I checked the tracking number it states that the letter and payment I mailed arrived XX/XX/2019 at XXXX am to a Postal Facility in XXXX XXXX, TN XXXX and was " Delivered, Individual Picked Up at Postal Facility XXXX XXXX, TN XXXX '' at XXXX XXXX on XX/XX/2019. When I questioned the First Progress representative about who may have picked up my payment they informed me that I had mailed the payment to the wrong address. I am certain that I addressed the payment to the same address that they gave me over the phone when they called to collect on the debt and the same address that was reporting on my credit report. I would like to dispute this account that is reporting on my credit report as if I still owe a balance on the account when in fact I paid the account in full.
04/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 78728	Web
Account # XXXX I had two accounts with XXXX XXXX XXXX. Synovus Bank Acct ( XXXX ) XXXX still reporting A closed Paid account. XX/XX/XXXX After it meet FCRA requirements. Account # XXXX XXXX XXXX Reporting On the same day I closed Account ( XXXX ) XX/XX/XXXX. On my report it shows Date Of Last Payment XX/XX/XXXX Payment Status : ( Currant ) Account Status : ( Paid ) Comments : Canceled by XXXX XXXX ( Consumer closed the account not them ) XXXX XXXX 30 days late * XXXX XXXX 60 days late* XXXX XXXX 30 days late* Date Last Active : XX/XX/XXXX Date of last Payment : XX/XX/XXXX Last Reported Date : XX/XX/XXXX XXXX Reporting Payment Status : ( Current ) Account Status : ( Paid ) Comments : Account has been closed due to inactivity XXXX XXXX 30 days late * XXXX XXXX 60 days late* XXXX XXXX 30 days late * Last Reported Date XX/XX/XXXX Date Last Active : XX/XX/XXXX Date Of Last Payment : XX/XX/XXXX XXXX Payment Status XXXX ( Current ) Account Status : ( Open ) Comments : Consumer Disputes XXXX XXXX 30 days late * XXXX XXXX 60 days late* XXXX XXXX 30 days late * Payment Status : ( Current ) Date Last Active : No Info Date Of Last Payment : No Info Last Reported Date XX/XX/XXXX Payment Status : XXXX XXXX XXXX ( Inaccurate Reporting ). Payment Status : XXXX XXXX Currant Payment Status : XXXX 30 Days Late Payment Status : XXXX Current ( Inaccurate Reporting )
09/21/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	FL 33150	Web
First Progress Card is in violation of the FDIC " Holder-In-Due-Course Rule ''. I, XXXX XXXX, disagree with First Progress Card terms and conditions of agreement as it violates my rights as a consumer. I refuse to debate rather or not First Progress Card is in violation or not. However, if all legal legal action needs to be taking this serious matter can be skillfully articulated in Federal court. First Progress Card, You are ruining my financial reputation by furnishing negative information on my Consumer Report such as " Charge off '' and " Late payments '' which has cause me to be denied for Auto loan, I'm demanding that you remove such information from my Credit Profile, if you fail to do so and credit my account, the Internal Revenue Service ( IRS ) will be on notice to AUDIT the account. I, XXXX XXXX, Consumer, also do not give any consent to transfer my account to any person, First Progress Card shall be in violation of the United States Federal law Gramm-Leach-Bliley Act and pay a fine of {$100000.00} ( PER VIOLATION ). I'm aware there is a billing error and my account on my Credit Profile shall be updated as " Paid In Full '' to all Consumer Reporting Agency 's. This is my final notice and if all legal needs to taking, I am taking such actions as I'm aware of your negligence of noncompliance. XXXX XXXX ALL RIGHTS RESERVED UCC 1-308
04/09/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Company closed your account	CA 960XX	Web	Servicemember
I received a letter from First Progress my oldest credit card of over 11 years. It was dated XX/XX/XXXX but I did not receive it until XX/XX/ requesting " AN ORIGINAL OF A STATEMENT OF THE BANK ACCOUNT USED TO FUND THE SECURITY DEPOSIT OF, AND/OR IN MAKING PAYMENT ON, YOUR FIRST PROGRESS ACCOUNT ''. The problem is that it stated that if the information was not received within 15 days they would close my account. Obviously this time had already passed by the time I received this letter. At this time we had received several feet of snow which might have caused some of the delay but this would not explain receiving the letter being so late.I called First Progress on several different occasions. I explained the situation to the agent and was told they would make a note in my account and not close it. I called a second time asking for a supervisor and was told none were available but would be called back within an hour. That call never came.After several attempts to contact a supervisor I was able to speak to XXXX after receiving a letter that my account was closed. He advised me to fax over the documents I had already placed in the mail since we were getting so much snow and the mail was severely delayed. I have also sent them a letter and a fax which i will include with this report and my account is still closed and I haven't heard a peep from them.
07/06/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	CO 80241	Web	Servicemember
XXXX XXXX XXXX, I reported my card stolen/lost. A new card was issued but never received by me. In XXXX XXXX XXXX, I started seeing charges to my card. This company does not have a mobile app or way to notify you of late fees. So at the end of XX/XX/XXXX, I saw a late/missed payment on my credit card. I notified the First Progress of this and they started a fraud investigation. On XX/XX/XXXX, the charges were removed but their late fees and interest was not. I called & asked why and they stated they would be removed in 30 days as another department had to do that. On XX/XX/XXXX, I called and asked why the fees were not removed and why was the late fees still showing up on my credit report, the bank stated I would need to start another investigation to remove the late fees. They showed me the card members agreement that stated as such on page 10 but the rep refused to answer the bottom half of the agreement on Page 10 that states I would not be assessed any fees or penalties during the investigation, as well at the the bottom half of it that states all fees, interest, and charges would be removed after completion of the investigation. So the late payments are still showing up on my report and the late fees plus interest for those fees are still on my account unless I start another investigation that may take up to 90 days to close.
03/03/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Application denied	MI 487XX	Web
I applied for a secured credit card through First Progress to help rebuild my credit. I paid a XXXX. Dollar deposit that was supposed to be the actual credit limit of the card.After weeks of emails from this company telling me my card was on its way and emails saying I should have my card and wanting me to set up online payments for this card, I still had not received the actual card. When I contacted the company by email I was told it was on its way, there was a billing problem one time and an application delay the next time I finally contacted them by phone, the customer service person I spoke with didnt have a clue what was going on, so I asked for a supervisor, I was kept on hold for over 20 minutes and she promptly told me my application was denied and had been denied over a week prior, so when I asked about my deposit, she said they refund the deposit within 3 business days of the denial, I than asked well if it was denied over a week ago how come I havent received it back on to debit card? She then told me that I would be refunded the full amount by the end of that day. That was over a week ago, this feels like a scam and unfortunately I also sent these people a lot of personal information including a copy of my drivers license and bank statements, thats my biggest concern. I definitely should have done more research before I did this!!
09/12/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 75090	Web
On XX/XX/XXXX there is a hard inquiry by ( XXXX XXXX ) and I only remember calling a car dealership to ask about if I would be eligible and they didnt notify me of running my credit score to check I specifically asked them if it would affect my credit if they checked and they said no and now I see there is a hard inquiry from that time I called and received no help from them to get it removed if you can please help me. XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX ) again I had called them to inquire about a car and they asked for my social and didnt let me know they would run my credit report and affect my credit to see if I was approved and again no help after calling them and asking them to remove the inquiry I was told I should have known it would be ran as a hard inquiry but I was never told or I wouldve went in and looked for a car personally not over the phone XX/XX/XXXX ( XXXX XXXXtx ) was a accidental inquiry online when looking for a phone plan and I called customer service and they said they didnt have access to remove it off my credit so I would like it removed XX/XX/XXXX, ( XXXX XXXX XXXX ) I had inquired about this card but their page said it wouldnt affect my credit score to see if I was pre qualified and now I see it as a hard inquiry I called them and they told me they couldnt help me and there was nothing they could do about it
11/05/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments You never received your bill or did not know a payment was due	TX 75104	Web
I recently looked at my credit reports and noticed that XXXX XXXX XXXX XXXX reported negative marks Maximum Delinquency of 30 days in XX/XX/2018 on my reports WITHOUT ever telling me they were going to report them. I believe this is incredibly unfair and had I received the federally mandated notice to me, I would have paid on time. According to the Fair Credit Reporting Act Section 623 ( a ) ( 7 ) ( A ) ( i ) and ( B ) ( i ), they has a responsibility to provide a notice furnishing of negative information, in writing, to the customer and that this notice is to be given to the consumer prior to or no later than 30 days after furnishing the negative information In fact, the Federal Reserve even created a published form so that creditors can be in compliance. Here is the compliant verbiage : We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. In short, I never received such a warning notice! I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well. I attached a copy of the law and the actual document from the federal reserve
01/26/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	FL XXXXX	Web	Older American
Re : Case Number XXXX The referenced case was filed concerning the late posting of my payment to the credit card account with First Progress Card. The initial payment of {$40.00} was made through my bill payment service with XXXX XXXX XXXX on XX/XX/XXXX and posted to my credit card account with First Progress on XX/XX/XXXX, which resulted a late fee of {$11.00}. Subsequently, I made the late payment fee on XX/XX/XXXX via XXXX XXXX XXXX which posted on XX/XX/XXXX to account with First Progress. I don't understand why it only took one to post the {$11.00} and it took several days to post the {$40.00} payment. Both payments were processed via bill payment service with XXXX XXXX XXXX. Yet, Mr. XXXX XXXX, Vice President with First Progress Card, for lack of properly researching the issue, indicted in his letter dated XX/XX/XXXX that they have not received the payment mentioned in my complaint. I have done the proper research because this is a financial that matters to me and my family while managing through a pandemic. I included supporting documentation to substantiate my statements. Also, the payment for the balance of the account with First Progress card was posted on XX/XX/XXXX. It really disturbs me that I am penalized {$11.00} for timely payment and total disregard to this was demonstrated by First Progress during a global pandemic.
08/21/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	FL 32311	Web
I haven't provided evidence in accordance with the doctrine, so you may assume, under the doctrine of estoppel by silence, that there is no proof of the purported debt and, as a result, no such liability, if the debt collector has not provided the requested proof of the alleged debt within 30 days. In a good faith effort to resolve the matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action, and correct any erroneous reports of this debt as mine. For the record, I state again : As I have no account with you, nor am I your customer, nor have I ever entered a contract with you, I must ask you to provide the following information : 1. Please evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence of your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature bearing my signature bearing my signature.
11/28/2022	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Fraud or scam	GA 30024	Web
Hello, On XX/XX/2022 I sent {$1000.00} to XXXX XXXX at ( XXXX ) XXXX via XXXX ( through Synovus Bank Checking Account ) as we made a deal on XXXX for a telescope. After sending the money I realized that I made a mistake of sending the money to a fraudster as he stopped replying to me, blocked me and also I got a notice on cell phone from another number saying that the XXXX payment didn't go through and I should send it again. That message was to trick me into sending the money again. Confirmation # : XXXX Payment ID : XXXX I immediately realized that I was defrauded so I called Synovus Bank and let them know that I was defrauded and I should get the money back. They said they will contact XXXX and open an investigation and let me know in a couple of days. Then, I received a letter dated XX/XX/2022 from Synovus Bank stating that they are unable to provide a refund. I am attaching the copy of the letter. I understand that the transaction of authorized by me but the goods and services were not sent to me so I should get a refund of full amount of {$1000.00}. Synovus Bank and/or XXXX should have the recipient 's name, phone number, checking/savings account and address so I am really surprised that they are not able to recover the money from recipient 's account and credit back to me. Thank you very much. Sincerely, XXXX
06/24/2015	Yes	Credit card	Privacy	IN 46360	Web
About two weeks ago I merely started an online application with First Progress, a XXXX secured credit card company. I did not finish the application. I did not make a deposit. I did not fund a secured card. I did not open an account. I did not receive a credit card in the mail. Yet I found out that First Progress intends to send the private and personal information in the application I did not finish to the credit reporting agencies. This is a breach of privacy. Especially since I did not finish the application, did not make a deposit, did not fund a secured card, did not open an account and did not receive a First Progress secured credit card in the mail. When I finally managed to find an actual working phone number for First Progress I explained the situation and I was told that they will forward my information to " only the XXXX major credit reporting agencies '' anyway. The XXXX time I called I asked for an email address to contact them about a serious privacy issue in writing, and I was told that First Progress does not have a customer service email address but I could have the number to someone else to see if they knew the email address because " they 're, uh, they 're like corporate. '' That number turned out to be a fax number. I called back, got nowhere and ended by informing them of my decision to file a complaint.
03/28/2016	Yes	Bank account or service Checking account	Account opening, closing, or management	GA 30339	Web
I opened a checking account with XXXX ( Synovus ) as they were offering a {$200.00} new account bonus and fee free checking. There were a few stipulations which I met such as Online bill pay, debit card use and Direct Deposit. I indicated at the time of account opening that my Direct Deposit would be via an ACH from my other bank account as I was self employed. Iwas told that this would be okay. Indeed, I use this same method to make ACH deposits to another account I have so as to avoid monthly fees. On the first full statement cycle, I was charged a $ XXXX monthly fee. I indicated at that time that if the bank would not honor their commitment then I would close the account. I was delayed in closing this account as there were a couple of pending debit transactions. Subsequent to that, I was charges additional fees because they would not close the account in a timely fashion. I have asked the bank to : 1 ) Refund all of the fees charged to me on this account as they did not fulfill the agreement with me about the bonus and the fees. If fact they charged additional fees. 2 ) Amend their promotional documents to clearly state that ACH does not count as a direct deposit. The bank also needs to train their employees such that they clearly understand the promotional requirements and can communicate same potential customers.
05/23/2016	Yes	Mortgage Home equity loan or line of credit	Loan modification,collection,foreclosure	GA 303XX	Web
I filed for Chapter XXXX Bankruptcy on XXXX XXXX, XXXX. All accounts included in that bankruptcy and the public record were removed from my credit reports except for Columbus Bank and Trust ( CB & T ) on my XXXX report. On my XXXX XXXX, XXXX XXXX report this account reported correctly that it was " Discharged through Bankruptcy Chapter XXXX '', " This account is scheduled to continue on record until XXXX XXXX '', and " Debt included in Chapter XXXX Bankruptcy on XXXX XXXX, XXXX ''. The data on subsequent reports on XXXX XXXX, XXXX ; XXXX XXXX, XXXX ; and XXXX XXXX, XXXX each erroneously updated this account. XXXX XXXX, XXXX report changed to " Debt included in Chapter XXXX Bankruptcy on XXXX XXXX, XXXX '' and " This account is continue on record until XXXX XXXX ''. The XXXX XXXX, XXXX report indicated " Account Charged Off. $ $ $ $ $ $ written off ''. I disputed the item with XXXX, who instead of removing the account now has updated it to " Discharged through Bankruptcy Chapter XXXX Never late. '' and " This account is scheduled to continue on record until XXXX XXXX. '' I proceeded to dispute this again via certified mail, but XXXX still did not remove the account. I can only assume that CB & T is saying their information is correct when it is not. CB & T needs to have XXXX remove this account from my report immediately.
03/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30096	Web
XXXXXXXX XXXX XXXX I experienced credit card theft. I alerted First Progress of this event and they removed their late fees and the fraudulent charges associated with the theft. However, they never updated my credit report as they stated they would in this type of situation. I was told that the back office sends this information to the credit bureaus when theft occurs. It's been over a year and it's still showing. On several occasions I have requested that this information be updated with the credit bureaus to remove the false late payment they have reported. Per their instructions I have written, mailed, and faxed my request. I was told the fax was never recieved, even though I have the confirmation that it went through successfully. Their customer service representatives are very rude and unhelpful. I need assistance removing this late payment off my reports bc it's severely affecting my credit rating. I have made every effort to have this corrected. Additionally, I paid the false charges to ensure I didn't recieve a second late payment charge. I've been told that the overpayment was refunded ; however, I haven't recieved it and advised them of such. They stated it was never returned and to request the payment again. I have sent that request as well and haven't recieved my refund. Please assist me with this matter.
01/24/2023	Yes	Checking or savings account Checking account	Managing an account Fee problem	TN 37215	Web
In or around XX/XX/XXXX, we opened a free checking account with Synovus in conjunction with a HELOC. The checking account was a " Free Checking '' with no balance requirements or fees. Starting in late XXXX, Synovus failed to send regularly periodic account statements. Beginning in XX/XX/XXXX, Synovus began charging a dormant account fee. Synovus ( 1 ) did not adequate disclose the account fee, ( 2 ) did not provide proper notice that it would charge a dormant account fee, and ( 3 ) did not provide regularly periodic statements that showed it was charging a dormant account fee so that we could timely resolve the alleged dormancy. We do not have recordings showing that the dormant account fee was a term we accepted when we opened the account. Upon information and belief, this was a unilateral term that Synovus later imposed without providing sufficient notice and disclosure. Ultimately, Synovus depleted all remaining funds in the account. In XX/XX/XXXX, we went to Synovus to close the account. We were told about the dormant account fees and that there were no funds to resolve. The bank would not resolve the issue with us. We closed the account. On XX/XX/XXXX, Synovus sent us an account statement showing the dormant account fees. The statement explicitly states that the last statement Synovus sent was XX/XX/XXXX.
01/18/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	CA 92656	Web
I applied for a XXXX XXXX Platinum secured credit card issued by Synovus Bank and, upon approval, transferred {$1000.00} from my checking account. The credit card account was opened on XX/XX/XXXX but I did not receive my card until XX/XX/XXXX. During that period I called the card issuer 's customer service upwards of 20 times only to be told over and over that the card is in the mail. Once the card arrived and my first purchase attempt was declined, I contacted the issuer and was told by three different customer service representatives that I had to pay the {$49.00} annual fee before being able to use the card. Despite the fact that the issuer has been in possession of my money, interest free, for over two months and that, by their own admission, I had no possession of and therefore no ability to use the card during this period, my account was blocked citing past due payment. The manager whom I spoke to, XXXX XXXX XXXX, refused to give me any options other than closing my account and receiving a refund within 10 weeks (! ), and shortly thereafter hung up the phone. I find this to be a gross violation of good faith and fair dealing standards at best, and fraud and extortion at worst. I am turning to CFPB for protection of my rights as well as those of other consumers who fall prey to these deceptive practices.
08/22/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	TX 75040	Web
This letter is a formal complaint against XXXX in regards to an account # XXXX. They have repeatedly violated my rights as well as the Fair Credit Reporting and the Fair Credit Billing Acts. Despite the several correspondences Ive had with them, they continue reporting inaccurate and unverifiable derogatory information about me to the XXXX major credit reporting agencies XXXX, XXXX, and XXXX. For XXXX, I have requested verification of this debt per my consumer rights pursuant to the Fair Credit Billing Act. They have allegedly verified this account several times electronically to the credit bureaus but never once to me as mandated by law. For XXXX, they just refuse to investigate the account, I've actually disputed with the company several times directly who simply refuses to verify the debt I'm requesting that this company is disciplined accordingly for their willful and blatant disregard for the law and also that you REQUIRE them to remove the disputed account in question from my credit reports. This causes serious harm not only to my ability to establish credit and good interest rates, but also to my character as a Professional. If there's anything I can send you to support my claim, please do not hesitate to let me know. Thank you in advance for your immediate attention to this very serious matter.
06/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 31605	Web
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told the XXXX, XXXX, and XXXX to reinvestigate these accounts. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case.
04/13/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	AZ 85208	Web
On my XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX statements card ending XXXX there were charges that I disputed under case number XXXX. After the card ending in XXXX and was closed XX/XX/XXXX I continued statements until XX/XX/XXXX balance XXXX and charges on this closed account. I paid off the balance on the account XX/XX/XXXX when I reported the fraud. I was given a new card ending in XXXX. The 1st statement XX/XX/XXXX showed fraud again with the same company charge as before. I disputed the XX/XX/XXXX charge for XXXX on XX/XX/XXXX.. A credit balance came for XXXX on XXXX card ending over payment. I received more statements with this account number after the XX/XX/XXXX closure date. XX/XX/XXXX fraud occurred again showing as XX/XX/XXXX XXXX XXXX 2 charges XXXX and XXXX these were disputed on XX/XX/XXXX. On XX/XX/XXXX card ending in XXXX was closed at my request due to fraud on XX/XX/XXXX statement which I had filed a dispute on twice. At this time XXXX rep for First Progress stated the was a card ending in XXXX issued in XXXX. I informed him I did not receive the new card and requested it closed and reissue new card. I changed my mailing address and asked him to confirm it is now as of XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX. He stated the address was not this and XXXX requested it be changed now.
03/14/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	SC 29045	Web
XX/XX/XXXX, my tax assessment jumped from 4 % to 6 % because I needed to fill out the homestead exemption. The XXXX mortgage payment reflected the inflated rate in escrow. XX/XX/XXXX, I sent a copy the amended tax assessment, reduced back to 4 %, via email, to the Synovus representative XXXX XXXX as we had email discussions about the issue. Her email is XXXX I followed up as my mortgage bill was not corrected by XXXX payment. I received no response to my email in XXXX, XX/XX/XXXX, XX/XX/XXXX, nor to any voicemails that I left to the same person. The tax assessment was attached to multiple emails. XXXX XXXX left a message for me on my cell phone on XX/XX/XXXX stating she did not receive the tax assessment. I emailed it again on XX/XX/XXXX to the same address listed above. This was an email address that we used to converse before. In addition, I left multiple messages with another XXXX employee listed in a late notice. Her name is XXXX XXXX. I have never received a phone call in return. Additionally, I speak to a debt collector, recorded, every month and re-state my case. On XX/XX/XXXX, at XXXX EST, I spoke with customer service representative, " XXXX '' who stated that my case was " in review ''. Meanwhile, each month my account accrues late fees, and my credit has been severely affected.
11/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 604XX	Web
XXXX Compliance Verification and Dispute I hereby request that this account is electronically evaluated as to whether all data is mandatorily perfect and complete XXXX XXXX Formatted Reporting Standards was properly reported within the compliance standards set forth by the Fair Credit Reporting Act ( FCRA ). This includes the mandatorily perfect and complete XXXX XXXX Formatted Reporting Standards, the applicable requisites of the FCRA and the applicable requisites of the FDCPA, and or any other standard or regulation otherwise, be it mentioned or no. All data must follow the XXXX, Credit Reporting Agencies ( CRAs ) and XXXX XXXX XXXX XXXX ( ACDV ). The Credit Reporting Act ( FCRA ) and the Equal Credit Opportunity Act ( ECOA ) has been violated by the furnishing of such derogatory account. This account hinders my ability to apply for accounts that others can apply for which denies me the opportunity to obtain credit. As the consumer I am being harmed by the data furnisher ( DF ) and or the Credit Reporting Agency ( CRA ) for non- compliance reporting of items on my credit report. I request this item be removed. I request to be provided verifiable documentary proof ( e.g., original consumer contract or similar proof bearing my wet ink signature on it you have on file for accounts listed below.
09/08/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Can't close your account	MT 590XX	Web
First Progress ( prepaid credit card ) is a joke! A scam. Seriously, no one should use them. You get no monthly statements. The only one I received was when I wanted to stop using them. Contacting them is another joke. Picture an automated system that runs you around in circles. Over and over again, pushing buttons, and then the automated message says " good bye. '' ( Hey, you can't make this XXXX up! ) Then try getting your money back when you cancel with them. As I write this, it's been over three months to get my ( yes my ) {$510.00} dollars back from them. First it was two months. Then they told me it got mailed. ( total XXXX! never mailed ). Then they wanted me to fax them a statement saying " I didn't receive my money ''. My first question was " who uses faxes in todays world? '' ( Scam. ) My next question was " why don't you check to see if it was cashed? '' ( Of course they won't do that ... it's a scam. ) Called them back again, and now I have to mail it. People should run away from this company!!!! They are a scam! I've closed my account over three months ago and they still haven't paid me MY {$510.00} ON PREPAID CREDIT CARD. *****First Progress Platinum Mastercard Secured Credit Cards are issued by Synovus Bank XXXX XXXX XXXX GA, member FDIC XXXX card ending in XXXX XXXX XXXX
07/09/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	WA 98662	Web
1. In XXXX of 2023, my credit card with First Progress bank ending in XXXX expired. 2. On XX/XX/XXXX of 2023 at XXXX XXXX, I requested a replacement card by calling XXXX. 3. On XX/XX/XXXX at XXXX PST, I reported fraudulent charges : XX/XX/2023 XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} 4. I had never received the replacement card at this point. The credit card was evidently stolen in transit. 5. Another fraudulent charge appeared on XX/XX/2023 : XX/XX/2023 XX/XX/2023 XXXX XXXX XXXX XXXX XXXX} 6. A new card with a new number was issued. 7. I called again on XX/XX/2023, at XXXX PST regarding the failure of First Progress to remove the fraudulent charges, and how they were showing that I owed them a minimum payment on fraudulent charges. The agent in the fraud department told me the case is still being worked on, and that they need more time, and that the charges aren't my responsibility. 8. The company charged late fees and finance charges on fraud, and reported delinquency to all three credit bureaus, where I have filed disputes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
06/11/2019	Yes	Checking or savings account Other banking product or service	Problem with a lender or other company charging your account Transaction was not authorized	TX 77469	Web
In XXXX, my wife and I migrated to overseas. We left a savings account with a bank and also an office which was rented out to a gentleman under a provision that he would purchase same building. A year before leaving I had applied to the bank for a line of credit which I subsequently did not use as the XXXX XXXX XXXX decided not to go through with the project. I had subsequently done business with the bank and did not owe them any monies at that time. While away I kept in contact with the renter of my building. On one occasion he told me that he has been harassed by the Bank because they claimed that they wanted their building. This came as a surprise to me as I neither owed the bank any money nor did I use the Line of Credit for which I had applied. Subsequently, they evicted the gentleman from the building. XXXX, he suffered an XXXX XXXX and died. He was found in another building across the street from where the office was located. I returned to the XXXX in XXXX and went to the bank to recoup my monies that was lodged there only to find every penny was taken out. Discussions with a bank manager ensued in which she told me that I had redrawn the monies. I asked her for the evidence that that was so and she told me to return later. Upon my return, no one could account for her whereabouts.
11/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NY 104XX	Web
I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with FSTPROGRESS for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. Unfortunately, I was in a financial dilemma due to job loss. As a result, some of my payments to you were delayed. Because your account with me is extremely important, I managed to borrow the money to cover the late payments. I made those payments 30/60 days late on a few occasions during the course of my situation, but I made sure to fulfill my obligation to ensure that your company suffered no loss. I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now those late marks on my credit reports have become detrimental. I am trying to apply for a new job, but the negative remarks are hurting my efforts. The credit bureaus have advised me that they will report anything as instructed by you, but they need to have that instruction in writing. I am pleading with you to help me and take into consideration how good of a customer I have been and how long I have had an account with you.
11/14/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	CA 95531	Web
I sent a {$50.00} payment through XXXX XXXX bill pay to be paid to Frist Progress on XX/XX/XXXX. My due date was XX/XX/XXXX and the account was current. Unbeknownst to me, First Progress chose not to cashel the check, instead charging me a late fee for non-payment in XXXX. I didn't notice this because I'd been idly making payments. I decided to close the account approximately XX/XX/XXXX because the only way to pay is bill pay and it's really inconvenient. I conveyed as much to the customer service agent I spoke with. She said I would need to pay just under {$75.00} to pay the remaining balance on the account, which I did. The following day, I got an email from XXXX XXXX stating that First Progress never cashed the bill pay that was sent in XXXX. Then, I noticed the erroneous late fees. I immediately contacted customer service over the phone at First Progress, who advised me to fax a letter to a number provided stating what happened with my proof. I did. Since, First Progress has not cashed the {$75.00} bill pay sent to close the account sent in XXXX. They are continuing to charge late fees every month. They have reported a delinquency on my credit. They have also changed the remarks stating customer closed account to account closed by issuer. Blatant lies and damage to my credit.
04/23/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Delay in processing application	FL 34744	Web
Dear, Today XX/XX/2019 on XXXX I just got off the phone with a disrespectful Supervisor at XXXX XXXX named XXXX . We had been aproved for a XXXX XXXX in XXXX and only needed to send XXXX XXXX proof of my identity. On XX/XX/XXXX I spoke with a XXXX XXXX phone rep who provided me with what she told me was the XXXX XXXX XXXX XXXX XXXX which I needed to send my paperwork to. However, this address was wrong and we received the envlope with our paperwork returned to us by USPS XX/XX/XXXX. We called XXXX XXXX on the XXXX and were told to resend the paperwork to another address. XXXX XX/XX/XXXX we called XXXX XXXX again and spoke with the above XXXX XXXX. He behavior was awful, disrespecting us by playing a dodgy game. Every time I would mention that we had been given the innaccurate address by a rep from her Dpartment oon the XXXX of XXXX she would completely ignore this fact, or even XXXX in interrupting me mid speach to repeat that we had been given an address by a different department on the XXXX. She had no desire to show XXXX XXXX 's customers any respect, help resolve the issue in any way, nor admit any fault by her depart whcih she is overseeing in any way. No help was provided by her as she had no desire to admit or help with our problem caused by one of her staff.
10/25/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Can't close your account	MD 20743	Web
I closed the account because the credit card company can not validate the debt. I am the original creditor as a result, I have been contacting the merchant to provide the following documentation. certificate accounting statement they have so far went delinquent In this matter. I have sent past due invoices for them to pay my company for the following charges XXXX. XXXX. REQUEST FOR ACCOUNTING ; REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT, A PROPER BILL. {$1500.00} per page. It is my understanding that if no dispute, rebuttal or contest of this NOTICE OF UNDERSTANDING AND CONDITIONAL ACCEPTANCE AND REQUEST FOR A PROPER BILL AND LAWFUL CONTRACT AND FULL RECORD OF ACCOUNTING AND FEE SCHEDULE, Notice of Lien Notice Of Lien, Truth and lending violation, Mail Fraud and XXXX, falsifying records, deceptive and misleading representation, violation of Fair Debt Collection Practices Act. Title 15 USC .1601 ; Title 15 USC 1692 15 USC 1692 ( g ) ( 8 ) ; USC Title 18 2071 and 2073 ; USC Title 18 471, 472, 473, and/or 513 ; Title 18 USC 1341- 1842 XXXX XXXX XXXX 249 P. 2d 257 and 260 Title 28 USC 1746 ( 1 ) I am asking for the CFPB to contact them to have my account settled, discharged and close with a XXXX balance and my invoice paid. Thank you any question call me XXXX.
07/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	PA 185XX	Web
I contacted first progress to remove the erroneous information in XXXX of 2020. I disputed the inaccurate information, however the disputes came back verified, without sending me the information used to validate the accounts, against FCRA statutes. I furnished copies of all 3 credit reports, showing the variations of misinformation. On XXXX XXXX, the information came back as valid again. In XXXX, I contacted the better business bureaus, and was told first progress would update the account. as of this point in time, First progress is still reporting inaccurate and erroneous information. The items I cited as being violations of the FCRA were posting the high balance being higher than the collections rep had me pay, no date of first delinquency reported as required by FCRA 623 ( a ) ( 5 ) ( a ), the fact that I had previously disputed with the CRA and they returned incorrect information FCRA 623 ( a ) ( 2 ) ( B ), not providing notice of furnishing negative information FCRA 623 ( a ) ( 7 ) ( A ) ( i ), and told them they would be in violation of FCRA 623 ( a ) ( 1 ) ( B ) if they continued to report any information at all to the CRA. I also let them know there are 0 sections in the FCRA that require them to report anything at all, and 0 sections that prohibit deletion.
06/26/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Delay in processing application	FL 33437	Web
On XX/XX/2023 I applied for a secure credit card filling funding the card the same day with {$500.00}. I called XX/XX/XXXX to get a refund I also callled again and email the company asking for the status of my refund for XXXX I told them I dont want there services and to refund my money back to my card. The company purposely waited.and I spoke with my bank to inform them on a XXXX way call the merchant said he will Refund me back {$500.00} but it will be 4 7 to 10 weeks ans they will send me a check I then told First progress to provide me with certified confirmation of the check that they said they will mail off to the address I have them to mail it to but he told me He couldnt do that. Company within enough time to refund my phones back to my card. However, they purposely didnt. If you look on The company XXXX it shows a reputation of this. I was never giving a reference number or anything showing that the account is closed and the refund is on its way.. First progress and my bank both were on a three way phone cal this morning on XX/XX/2023 First progress apologized because they couldnt send the funds back to the original card Im requesting proof of my refund and to speak with someone in a hire department because they should have been able to credit it back to my card
01/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	WA 983XX	Web	Servicemember
I'm using my rights as a Consumer to dispute inaccurate information of my consumer report. First Progress is reporting a charged off on my consumer report with a balance of {$190.00}. This was a secured credit card and which I made a {$200.00} deposit to open the account. I never received my deposit back after closing the account and any balance should have been paid off to zero with my deposit and the remainder sent back to me. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and household purposes. You and your inaccurate reporting have damaged my livelihood. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details, exact Prohibition : a law or regulation forbidding something
09/25/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19143	Web
On XX/XX/2023 I, XXXX XXXX, mailed First Progress a notice informing them that pursuant to the Gramm Leach Bliley Act I am exercising my right to opt out of my information being shared and I no longer wish for my nonpublic information to be shared with XXXX. On XX/XX/2023, I mailed XXXX a copy of notice that was mailed to First Progress along with a notice specifically for XXXX informing them that pursuant to the Gramm Leach Bliley Act I no longer wished for my nonpublic information to be shared. First Progress blatantly disregarded my request and did not respond to my notice. However XXXX did an alleged investigation and responded stating that the information on my consumer report was verified as accurate. A financial institution such as First Progress must respect a consumer right to privacy and cease disclosing personal nonpublic information when they receive a notice from a consumer choosing to no longer share private information. XXXX has a duty to also respect a consumer 's right to privacy. I did not send First Progress or XXXX a notice disputing an inaccuracy, however I did notify both companies that I am opting out of my NPI being shared and both companies disregarded my request by responding stating that my nonpublic information was verified as accurate.
03/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	OH 44133	Web
XXXX XX/XX/2021 15 U.S. Code 1666 - Correction of billing errors Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. ( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. ( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau.
09/05/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Account information incorrect	CA 923XX	Web
I have a secured credit card with First Progress, I am in the process of moving and got a notification of a massive decline in my credit score, it was through some investigation that I was able to ascertain the source being FirstProgress. The late charge is for an annual membership fee which when set up was on auto renewal and yet somehow didnt take hold on their end. My complaint is that according to their user agreement I am to be informed of any late payments or just in general I am supposed to receive account statements which would have done similar. Although I had attempted to update my address the company confirmed that no such messages were sent to me about late payments or any attempt to rectify this issue before reporting to the credit bureaus. When I realized this payment was due I immediately made the payment of the fee and the late charge associated with it. But because of the lax system in place with first progress another charge was affixed to the account before the payment transaction concluded. This is a secured credit card whoms only perceived purpose is to help build credit and in fact it serves to do the exact opposite by failing to uphold even the most basic standards present in other credit card companies and even its own user agreements.
03/06/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Can't close your account	PA 15221	Web
I have been paying off a card that have been unable to use or close. I received my First Progress Card in XX/XX/XXXX. I misplaced my card in XX/XX/XXXX after moving from my apartment, soI decided to close my account. I never made a single transaction. My credit utilization has gone up without me ever using the card. I do not remember the card number, except for the last four digits. This is because First Progress takes the monthly payment from the card itself, which is about 1/4th of the full credit limit, and not directly from my bank account, which makes the card virtually unusable if I want to remain under 30 % credit usage. I originally set up auto-payments to withdraw from my bank account to pay my card off. First Progress only allows contact to their representatives over the phone, so I called the number on their website. Nobody answered. I called multiple times over the course of XXXX, but still nothing. First Progress does not communicate back and forth with customers through email ; all the emails are " no reply. '' I stopped automatic withdrawals from my account, and I was charged a late fee, which dropped my credit score. I have been paying off this unusable card that I am unable to close, with no reliable way of reaching out to First Progress.
11/24/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60610	Web
I am filing this complaint to 1STPROGRESSXXXX. I am writing to formally express my deep concern and disappointment regarding the lack of action taken to correct and remove fraudulent accounts that persist on my credit report. Despite my diligent efforts, the presence of these inaccuracies continues to impact my reputation adversely. On XX/XX/, XX/XX/XXXX and XXXX XXXX, I submitted dispute letters to 1STPROGRESS/XXXX, detailing the fraudulent accounts and requesting their prompt correction. Regrettably, to date, I have not witnessed any substantive action taken to address these discrepancies. This prolonged delay is distressing, as I anticipated a swift resolution to ensure the accuracy of my credit file. To assist in your investigation, I have attached my Federal Trade Commission ( FTC ) report with the reference number XXXX. I believe this report provides additional context and evidence supporting the urgency of this matter. I am genuinely disappointed that the information on my credit report does not accurately reflect my financial history, as I expect from a reputable credit reporting agency. I trust that 1STPROGRESSXXXX will take immediate and comprehensive action to rectify this situation and uphold the accuracy and integrity of my credit file.
12/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 20707	Web
I am distressed that you have included FIRST PROGRESS CARD information in my credit profile on XX/XX/2021 and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I respectfully sent in notarized and certified letters on XX/XX/2021 and still no response. Also, please add a promotional suppression to my credit file. This company is NOT responding and reporting inaccurate information on my credit report. Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. Thank you,
06/07/2018	Yes	Checking or savings account Checking account	Managing an account Banking errors	FL 34744	Web
I filed a Dispute with Synovus Support concerning three ( 3 ) fraudlent transactions. I had been asked for proof concerning one ( 1 ) of the transactions. ONLY one of the three ( 3 ) transactions. I then provided that requested proof. On the XXXX I called Synovous Support and learned that they had taken funds from my account claiming they denied one of the other two transactions because the original rep made a misatke and ALSO listed that item as though I had needed to send in proof for it even though the rep had NEVER asked me to! The disrespectul phone rep I first spoke to on the XXXX kept dodging and ignoring me EVERY time I stated this made NO SENSE and that it was an error. She kept simply repeating " You will need to submit the proof you were required to '' and " but it is unlikely the dispute will be reoppened anyway. ". That was INSANE! She kept ignoring me and repeating the above like a broken record until I asked for a Supervisor. She then simply hanged up on me! No repsect what-so-ever. It is not my fault that the original rep made a mistake, and I did not deserve this treatment from Synovus ; 's rude staff! It is clear they have no interest in even admiting their staff 's mistake, even less addressing and correcting it!
06/24/2015	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	GA 30458	Web	Older American
I, AM XXXX XXXX XXXX HAVE A LOAN WITH XXXX BANK, AND THEY REFERED IT TO THEIR MORTAGE COMPANY, SYNOVIS BANK. THAT WAS ALRIGHT, THE ISSUE IS I OWE SOME PROPERTY TAX ON MY HOME AND MY DAUGHTER XXXX WAS PAYING THEM, SHE WENT AND PAYED SOME OF THE TAX, BUY THE TAX COMMISSIONER WROTE AND OR CALL THE BANK AND TOLD THEM HE WAS PUTTING MY HOME UP FOR SALE THE BANK TOOK ON AND PAYED SOME OF THE TAX, THAT WOULD HAVE BEEN ALRIGHT BUT I DID NOT AUTHORISE THE COUNTY TO DO THAT OR I DID NOT SIGN A RELESE FORM FOR THE BANK TO TAKE ACTION, I WENT TO XXXX BANK AND TALKED TO THE BRANCK MANAGER, AFTER I DID NOT HEEAR FROM HIM, I WROTE A LETTER TO THE BANK AND SENT A COPY TO XXXX XXXX THE TAX COMMISSIONER FOR XXXX COUNTY, WAS IT RIGHT FOR THE BANK OR THE COMMISSIONER TO TAKE ACTION WITHOUT MY INVOLVEMENT I WOULD LIKE TO KNOW, WHERE I LIVE THE COUNTY AND THE CITY OF XXXX, EXTENDED THE JAIL HOUSE IN OUR COMMUNITY AND I ASK THE TAX AJUSTER TO COME OUT AND RE EVAUL MY PROPERTY THAT NEVER HAPPER. I APPLIED FOR HOME OWENER TAX RELIEF THAT WAS NOT GRANTED, IAM XXXX ON A FIX INCOMEAND WHERE I LIVE THE ONLY SERVICE WE GET IS FROM THE CITY THAT IS WATER, AND TRASH PICK UP IF YOU WILL HELP ME UNDERSTAND IF THEY ARE RIGHT OR WRONG I WILL APRECIATE IT. SINCERELY XXXX XXXX XXXX.
10/03/2019	Yes	Checking or savings account Other banking product or service	Problem with a lender or other company charging your account Transaction was not authorized	GA 31794	Web	Servicemember
On XX/XX/XXXX, I went into Synovus Bank in XXXX, Ga and talked to XXXX XXXX. I had an automatic draft coming out of my account from XXXX XXXX XXXX on the XXXX of every month. I advised her that I need to stop payment on this company in the amount of XXXX. She did the paper work to stop the payment on that company. I paid the necessary fee to stop the payment and come to find out it was never stopped. I was recently informed by another home security company that the money was still being taken out and that what lead me to call the home office of the the bank. Upon talking to a representative in the home office of synovus bank, I was told that XXXX XXXX put in the wrong stop payment number and that is why it never stopped. This went on from XX/XX/XXXX to XX/XX/XXXX. The bank is telling me that they will not pay me all of my money back for their mistake and that I was responsible for checking my statements. They have agreed to only pay me 6 month of back pay when they owe me for 13 months. This clearly is a mistake on their end and I feel like its their responsibility to clear it up. I did everything on my end to stop the payment and I feel like I should not have to suffer from the loss of their mistake. Please help me to resolve this issue.. Thanks.
02/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 34243	Web	Servicemember
I defaulted on a credit card with First Progress, date of first delinquency XX/XX/XXXX. It became a charge off and I paid it in full XX/XX/XXXX. I started sending goodwill letters in XX/XX/XXXX as I was trying very hard to clean my credit report. First Progress changed the information in my credit reports ( XXXX and XXXX ) to a brand new charge off in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX so it is showing on my reports as a brand new missed payment, derogatory charge off every month. This is causing severe damage to my credit score and has caused me to be turned down for loans and credit increases through my bank, XXXX XXXX XXXX XXXX. I have disputed with the credit bureaus, XXXX XXXX XXXX and the company directly to remove the false reporting. They refuse to do so and keep reporting it as a brand new charge off every month. I realize I made a mistake in XXXX. I paid for my mistake in full XX/XX/XXXX. They are not allowed to keep reporting as a brand new charge off every month. I spoke at length with the XXXX following my attempts to fix this. The company admitted what they were doing and claimed twice the fixed the issue. XXXX recommended I take a complaint through CFPB because of the companys illegal reporting. ( Ref # XXXX )
06/18/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	MN 55112	Web
On XXXX XXXX of XXXX. I went online to load more money to the account ( paid off previous balance ). My paid off balance did not go through due to Banking Holidays or unknown reason. The bank nor credit card company never notified me about the incident nor explained to me that the credit limit on my secured credit card is the deposit minus annual fee. Since the First Progress card is technically a prepaid card with my {$300.00} deposit hence {$300.00} credit limit. I used the card mainly to buy gasoline so I can have a better control and not exceed the so called credit limit. However some retailers ( Gas station ) do not generate or post a credit card sale at the same day. And I did not check my credit balance until the XXXX statement showed up in my mail box. I was confused about the charge. In XX/XX/XXXX, I contacted the Bank to discuss the charge and want to resolve the issue but they opposed it and add an extra fee for late payment and over credit limit amounted to {$100.00}. They closed my account on XX/XX/XXXX and gave me the negative report to date. I now can not get a Bridge Loan to cover my expense during this COVID-19 because of this mark on my credit and the credit card company will not help me with this unfair situation.
01/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33023	Web
On or about XX/XX/XXXX I filed a complaint with CFPB ( # XXXX ) against SYNOVUS BANK concerning XX/XX/XXXX day late payment error on my credit report, on XX/XX/XXXX SYNOVUS BANK Responded to the complaint saying on XX/XX/XXXX they submitted a request to the Credit Bureaus to have this XX/XX/XXXX day late payment error corrected to ( Paid in Full & Paid as Agreed ) on my credit report. Also SYNOVUS BANK emailed me a confirmation letter stating that they advised the credit bureaus to remove the XX/XX/XXXX day late payment error from my report. So it would Reflect PAID IN FULL / PAID AS AGREED & PAID ON TIME, the Credit Bureaus refused to make these Corrections to my credit reports. So on XX/XX/XXXX I mailed copies and faxed proof of my ID to the Credit Bureaus and attached the response letter to CFPB from SYNOVUS BANK & the letter that was email to me by SYNOVUS BANK stating that they have reached out to the credit bureaus to remove & correct the XX/XX/XXXX XXXX late errors and to update my account. XXXX & XXXX, XXXX refuses to make corrections after SYNOVUS BANK have requested for the XX/XX/XXXX day late to be remove. I have been disputing this Error to the credit bureaus personally since XX/XX/XXXX concerning this Particular Account!
09/04/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	FL 320XX	Web	Older American
I make payments through XXXX XXXX bill pay. I paid {$300.00} on XX/XX/2021 with an additional fee of {$5.00} for the next day 's payment to the company. XXXX XXXX states the payment was sent and received on XX/XX/2021 and the credit card company is saying the payment has not been received as of today XX/XX/2021. Now, First Progress credit card has charged me a late fee of {$40.00} and this has charge has put me over the limit of my credit balance which will be reported to the credit reporting agencies. This will impact my credit which I'm striving to improve and not have any late or over limits on my credit report. This happened once before when the bank was closed for the holiday and I was charged a late payment. I know from working at the bank for years that the processing doesn't close even though the retail side is closed. There's a small crew still working processing transactions. XXXX XXXX has put in an investigation which will take up to 10 days, while in the meantime I am being inconvenienced and impacted by this negative mark on my credit for which I paid my bill in time to be credited to my account. I would like to know who is at fault and my credit is corrected for this mistake. I will dispute this will the credit agency.
12/30/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	TX 75002	Web
My payment is due XX/XX/XXXX. I went on the website to make the payment put in my checking account info with routing number. I received an error message. I refreshed the page and then it tells me how I need to pay is thru my online bill pay with my bank. I called the company and spoke to 1st rep he said he does not know why it did that but I need to pay with my online bill pay. Now on XX/XX/XXXX I put in my checking info and made the payment and today I did the same thing and received an error. I asked to speak to a supervisor I get XXXX on the phone at first she said she has no clue why it did that then I told her I need an answer today I am trying to make a payment she said oh well our website is going under construction. I told her that I need to make a payment today and since they are having an issue with the website I should NOT be charged the XXXX fee she said I would be charged and I don't have a payment due even tho my bill says payments are due on the XXXX. I asked to speak to a supervisor she said a call back and someone will call me back within. 3 to 5 business days. Today is the XXXX my payment is due on the XXXX. I need answers. I do not want to be charged any interest rate charges because I am trying to make a payment
04/25/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	IL 601XX	Web
My complaint is with XXXX XXXX XXXX XXXX XXXX. I have reached out to them on several occasions including today XX/XX/2019. Previously, I have spoken with the Fraud department and informed them that I am a victim of Identity theft, and the young lady I spoke with provided me with a fax number and at the time I faxed a copy of a police report and I also forwarded that same police report to all of the three major credit bureaus. And on the call with the rep from the fraud department from XXXX XXXX she stated that this was going to be removed from all credit bureaus. Here is it almost 6 months later and this same account is reporting. In fact they changed the status to closed, but its still on my report. On today I called First progress and spoke to a rep in the Fraud Department Named XXXX he would not provide me a agent ID # or a lastname. I then informed him of the situation and he stated that he did see that I called several times and he asked nothing was done on my behalf and I told him no! I told him that I will be emailing the CEO of the Company as I have done all that I can do I have faxed over documents and made several calls. He was able to see all the calls I have made, he took my number and stated someone would call me back.
06/16/2023	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	FL 33150	Web
Dear First Progress Card and Synovus Bank, I hope this ( CFPB ) complaint finds you well. I am writing to inform you that as of XXXX XXXX XXXX, legal actions have been initiated against First Progress Card and Synovus Bank. These actions are currently active with the XXXX XXXX XXXX. Attached to this CFPB complaint, you will find the necessary documentation and information pertaining to the ongoing legal proceedings. It is important that you review the attached documents carefully to understand the nature and extent of the legal actions being pursued. Please be advised that failure to respond or take appropriate action regarding this matter may have serious consequences for your organization. I urge you to give this legal action the attention it deserves and take the necessary steps to address the concerns raised. If you require any further information or have any questions regarding the ongoing legal actions, please do not hesitate to contact me at the provided contact details. I expect your full cooperation in resolving this matter in a fair and timely manner. Thank you for your immediate attention to this notice. I look forward to a prompt and satisfactory resolution. Yours sincerely, XXXX XXXX. All Rights Reserved.
06/06/2019	Yes	Checking or savings account Other banking product or service	Managing an account Problem using a debit or ATM card	GA 31904	Web
I have used Synovus Bank over 40 years. Several problems through out this time. I had registered for the {$500.00} over draft protection. I was not really sure what it was about. When I got my Statement for XXXX {$890.00} was taken from my account for Overdrafts. I am on Social Security XXXX My monthly take home is {$1500.00} a month. As you can see this was a terrible hit on my deposit. I went to the bank to talk to the Customer Service Mgr. He was no help but very smug. I wrote the bank 2 letters explaining what happened. I asked them to reply to my letter telling me why no one called me from the bank. If you use the debit card and it does not work. I always try again. It is {$36.00} every time you swipe that card. My Mom was in XXXX XXXX and died that month. I was bombarded with her illness and situation. I had not taken care of my bank business. I feel the bank should have called me or wrote me. Even emailed me. That {$890.00} was a shock to me. I did make mistakes but I think they made mistakes by not contacting me and not answering my letters. It is not very professional of them not to answer I am a customer of 40 year. XXXX XXXX I will move to another bank. My name is XXXX XXXX XXXX if you need to speak with me Thank you.
12/07/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	WA 982XX	Web
I was going to close this credit card because I no longer needed it but I ended up calling back and requesting to keep it under the advise of the credit repair guy. I called to make sure I had the right address and the website had the wrong address. The reason I was going to close it is because of the difficulty and expense of getting a payment in securely. I alerted the representative to the fact that the addresses were different and he was not concerned about it? I sent in the money order and did not put tracking on it, big mistake. I sent it in on the XXXX of XXXX and it was cashed on the XXXX of XXXX. First Progress said I needed to send proof so I sent the money order number and my receipt. They then told me I needed to send the other side of the money order so I attempted to fax it an entire day at XXXX until at the end of the day it finally went through. I have 11 pages proving that I was trying to fax from XXXX The first fax went right through? When I called the following day the said it was not sufficient? The money order was made out to them and it was cashed in the same amount of time as the prior payment. I thought the number of the money order is how they would know if my hand writing or any other detail was wrong?
08/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	LA 70769	Web
In accordance with the Fair Credit Reporting Act the following companies has violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX2 All credit inquiries have been disputed multiple times XXXX XXXX XXXX XXXX XXXX dollars I have disputed this account for the past years and they have yet to send me proof of the balanced owed or provided with written proof. 8. First Progress XXXX XXXX XXXX. I have disputed this account many times and they have yet to send me proof of this account. I have no knowledge of this account. 10. Florida Child Support collections : Child Support has been Illegally reporting a collections balance on my credit report for months even though I am no longer in arrears. I missed out on buying a house due to I couldn't find a mortgage company who give me a loan, until my child arrears are off my credit. 15 U.S.C 1682 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
05/19/2021	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Fraud or scam	GA 302XX	Web
I noticed that my cellular device lost service. I notified my phone company and they fixed the issue on the XXXX of XXXX. On the XXXX of XXXX I experienced the same issue. I contacted the phone company the same way I did on the XXXX. The phone company notified me that I should change sim cards to ensure security. The following day XXXX XXXX ) I logged into my bank account and saw XXXX XXXX dollars had been drawn from my account via a XXXX transaction. I notified my bank and filed a dispute. I also filed a police report on the XXXX. I contacted my bank numerous times throughout this process and was given " the run around ''. The bank failed to notify me on any sort of update throughout this process. On XX/XX/XXXX I received a letter in the mail stating the " transaction was valid ''. I appealed the decision on the XXXX and have not heard an update. I have tried to contact the dispute department and request the documentation they used to determine that the " transaction was valid ''. I have also requested that the supervisor contact me to provide documentation " proving these transactions were valid. I have not received this information and no one has reached out to me. I am now seeking professional help to get this resolved.
01/09/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	MD 206XX	Web
I have a XXXX XXXX credit card that I very rarely ever use. Back in XXXX I realized it was missing, so I called to have it cancelled. When I called, I was told that there was a balance on the card, so I told them I wanted to report it stolen and asked if they could tell me were it had been used. They proceeded to tell me, that the balance was due to late fees as the annual fee had never been paid. I explained to them that I had never received any bills in the mail, and asked if there was anything they could do to help me resolve this. I was told that my only option was to send them a letter in writing to request a waiver. I wrote to them explaining the situation, and my concerns with this reflecting negatively on my credit file, and made the initial payment of the {$39.00} annual fee in the hopes that the late payments would be waived. I got a response from them denying my request, so I paid off the final balance of the acquired fees. I now have not just one, but two late payments reflecting on my credit report, and was denied a home loan due to this. I would also like to know why the charges varied? Also, as I mentioned above, I paid these fees off, and it is still reflecting a balance of {$60.00} on my credit report.
07/14/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Old information reappears or never goes away	GA 31794	Web
I've tried several attempts to get Synovus Bank to remove their reporting error. They have simply ignored their wrong doing and fraud information rhe United States government. I have had no credit card account with Synovus Bank for over ten years. I opened an account back in XXXX and legally settled the debt back in XXXX. The account dropped off my credit file within the appropriate time frame.Years later Synovus has put this old account back on my credit in which first appeared on my file as of late XX/XX/XXXX. Some one appeared to make up dates of missing payments since XXXX and settled out as of XX/XX/XXXX because I haven't applied for credit with Synovus nor have I had a Synovus credit card account in over a decade. They are frauding the United States government by putting this legally settled over ten years ago back on my credit file debt again and to file it as bad debt with the Internal Revenue Service. They are lying and someone is stealing money in their department and frauding XXXX people accounts. They have been very discriminating in their credit practices. are trying to humiliate and destroy my credit well-being to protect someone in their company who is stealing and fraud in the United States government.
05/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33176	Web
I received an email from a credit card company named XXXX XXXX XXXX on XX/XX/2022 at XXXX. It asked me to open an attached PDF that had important info about a XXXX XXXX XXXX application that was submitted on XX/XX/2022. The email had my first and last name correct. I did not open the attachment. I started calling all 3 credit bureaus to place a freeze on my credit because I did not apply for this credit card. After signing up for XXXX ID Patrol... .I was able to look into my three reports where I found that a hard inquiry had been conducted on my credit report through XXXX XXXX : SYNOVUSXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX This was completed on XXXX. I called the phone number and a person named XXXX stated that they are not XXXX XXXX but are called XXXX XXXX and would not help me unless I provided my social security number or the credit card number. I was not willing to tell them my social security number and I did not open the attachment so I do not have an account number or the credit card number. This is a fraudulent application and credit inquiry that is on my credit report. I want it removed and want the credit not to be issued because I did not apply for a credit card. This is fraud.
05/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AZ 85382	Web
The credit card charged an annual fee. This is second year they have done this. I thought the card was closed. I don't have it or use it. I am a XXXX XXXX so I am not present at home for random mail ( been gone 2 years ). First progress apparently charged a XXXX annual fee ( had no knowledge of it ) and added multiple fees ( now up to {$99.00} ) in a week!!! I found out when my credit score while buying a house decreased XXXX points for 30 days late so I quickly tried to call and fix it. 1 week later they reported AGAIN as 60 days late and now {$140.00}. None of this is correct. I paid the {$99.00} immediately after I saw what was going on even though I don't feel as though I owe them a dime. They told me I had to fax a letter why so I did. No response and no one will discuss it they just keep nailing me and now have it as {$58.00} going in 90 days. It's completely wrong and no one will fix it or help me. It destroyed the chance I finally had to purchase a home. Why would they not fix the situation and why is it legal for them to continue with fraudulent information? Please I need help fixing this!! XX/XX/XXXX XXXX points 30 days late. XX/XX/XXXX 2 weeks later XXXX 60 days late. Honestly I feel like it's fraud.
07/31/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	IN 46112	Web
I closed my account on XX/XX/2023. I called XX/XX/XXXX to check on my {$200.00} refund. I previously filed a complaint about this experience and completed a written request twice for the {$200.00} refund to be processed quicker than 10 weeks. On XX/XX/XXXX, a response was filed for my complaint that stated a check has already been processed ( which conflicts with information from the customer service agent when I called as he stated no checks were mailed yet as it takes 10 weeks ). I have received 2 statements following my account closure and still no check. My address has been verified and the check has not been sent to me. I would like a new {$200.00} check mailed to me immediately with proof via a tracking number or shipping confirmation that it has been sent. I am well passed 10 weeks from the time of my account closure. Calling has not provided any information as they can not access the department who sends checks. Filing complaints is the only way I have been able to receive ANY response with helpful information. All I want is for my refund to be sent immediately and I will be completely done dealing with this company. Please refund the {$200.00} and provide proof in the response to the complaint.
03/29/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	HI XXXXX	Web
I opened a card with this company in XXXX. In XXXX I received a notice that they dinged my credit. I immediately called and they said when I opened an account with them they have a membership fee that I needed to pay. I told them i would send them a check and i did. They said I needed to pay {$29.00} for membership and {$29.00} for late fee and they would remove any negative reporting. I sent them a check for {$58.00} dollars that they processed and they responded by tagging me with another late fee and another negative on my credit report. Every time I call they say they will take care of it and its now XXXX the account has been tagged with 4 late fees and its being listed on my credit report as past due with a balance of {$120.00}. I have never used this card they advertise as a secured credit card to build credit. Everyone I have spoke to gives me the same responses and ask me the same questions. XXXX refused to give me an employee ID number and said it was against policy to give it to me. Which i am sure goes against CFPB regulation Last person I spoke to XXXX employee ID XXXX told me I need to pay the late fees and send a letter to have my account considered for adjustment to credit reporting.
01/16/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Delay in processing application	VA 22314	Web
First Progress Cards are PREDATORY LENDERS. This card was advertised to me through XXXX XXXX. I applied for this secured credit card on XX/XX/XXXX. I made a {$500.00} payment to them in exchange for {$500.00} worth of credit. The initial email said that if approved I would receive my card within 7-10 business days. On XX/XX/XXXX I received an email stating that they needed more documentation in order to approve my application, which is CRAZY. I have numerous credit cards, a few of which have limits in excess of {$25000.00}. None of those cards required me to submit ANYTHING to be approved and they are not secured cards. It is very suspicious that they would require additional documentation in order to loan me MY OWN MONEY. Well, it turns out that the the email they sent requesting more documentation does not have a link to upload the documents. There is literally no button to click on. There is no way to speak to a person. The only way to communicate with them is by writing a letter and mailing it to some random po box . I have the " thank you for your payment '' email from this company. There is no way that they should be allowed to do this to people who are already in financial turmoil.
10/09/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	NJ 07065	Web
I purchased a secured in the amount of {$200.00} on XX/XX/XXXX. I closed the account in good standing on XX/XX/XXXX and wanted my money refunded to me. They sent me a letter saying my account was closed with no mention of my refund. They said it takes 10 weeks and refused to give me my money. They then said I could send a letter in the mail to them so they could expedite the check in the mail so it would come in the mail to me in 7 days. I see it mentions on their website about sending a letter requesting a check to be expedited where it mentions about a {$19.00} fee but they told it me it was free. I did not send a letter because I was scared they would take the fee out of my check that they would send. I went on to the XXXX website and saw numerous amounts of complaints and reviews saying that people have never seen their money and that this company is a scam. I am terrified I will never see my {$200.00} again. All I want them to do is send me a full refund in the amount of {$200.00}. If they are a legitimate company they can count this complaint as my letter and send it now expedited for free as they claim in the full amount of {$200.00}. That is how I want this complaint resolved.
11/16/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	OK 745XX	Web
I've filed a dispute with First Digtial/Synovus credit card company. where I have been XXXX in the XXXX XXXX XXXX XXXX since XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX in the XXXX XXXX XXXX XXXX. Where I am XXXX at the XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, OK XXXX and my XXXX XXXX is XXXX. I looked on my credit report, I seen a account from first digital/Synovus that I had not opened nor giving anyone permission to use my name to do so. I've sent this company a copy of my consolidated record card which shows my start date, how long I've been in XXXX, with a copy of my XXXX XXXX XXXX with my Social security card. Which could've all been verified by the XXXX XXXX XXXX had this company did a proper investigation into this matter. Where I sent them a letter in XX/XX/XXXX where they failed to respond back. First of all for these reasons if I have been XXXX for the past XXXX years in the XXXX XXXX XXXX XXXX at the same address of XXXX XXXX XXXX XXXX XXXX XXXX for the past 10 years where no credit card was ever mailed to this XXXX would shows that someone is using my personal information, was the whole reason I'm complaining about this account. Where I was a victim of identity theft.
11/18/2022	Yes	Credit card or prepaid card Store credit card	Getting a credit card Card opened as result of identity theft or fraud	OK 745XX	Web
I've filed a dispute with XXXXXXXX XXXX XXXX XXXX where I have been XXXX in the XXXX XXXX XXXX XXXXXXXX since XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Where I am XXXX at the XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, OK XXXX and my XXXX number is XXXX. I looked on my credit report, I seen a account from XXXX that I had not opened nor giving anyone permission to use my name to do so. I've sent this company a copy of my consolidated record card which shows my start date, how long I've been in XXXX, with a copy of my XXXX XXXX Identification with my Social security card. which could've all been verified by the XXXX XXXX XXXX had this company did a proper investigation into this matter. Where they never responded to my dispute letter mailed back in XX/XX/XXXX. First of all for these reasons if I have been XXXX for the past XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX at the same address of XXXX XXXX XXXX XXXX XXXX XXXX for the past 10 years where no credit card was ever mailed to this facility would shows that someone is using my personal information, was the whole reason I'm complaining about this account. Where I was a victim of identity theft.
01/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	PA 19454	Web
Spoke with representative at credit card company Synovus Bank XXXX XX/XX/2022. The company refuses to help me fix a reporting error, which originated from their reporting. Synovus Bank is intentionally reporting inaccurate information - activity on a closed account, which is further damaging my credit profile. Explained to representative that my credit report is showing a closed account ( card was lost ) with one late payment and, the replacement card/account with one late payment. Rep stated only card ending in XXXX is updating. I kept explaining to representative while reviewing reports that the old card which was lost is still reflecting on credit files, with an update on XX/XX/2022! He did not believe me. Explained to representative that I am being assessed two late payments, and therefore, the account which is closed is being reported inaccurately ; it should be removed. The replacement card carried over a late payment, and the old card is still reporting as if I have two cards with two late payments. Placed me on hold several times. Unable to help and argued that there are no updates. XXXX and XXXX are reporting these inaccuracies and will not investigate.
09/28/2023	Yes	Credit card General-purpose credit card or charge card	Incorrect information on your report Account information incorrect	TX 78731	Web
XX/XX/XXXX my account was reported as 30 days late with a missed payment in XXXX but its still XXXX and I made a payment of XXXX bucks. I also lost this card due to covid. My mother was super sick and hospitalized and I had no way of getting the card becuse it fell between the crack of her seat ( car ). She contacts me and lets me know she found it. But I had no access to the online portal at all. Didnt know the name of this company and received no email. Its taking me years to build my credit profile and to get the cards Ive earned would take the next person a lifetime to get. I value my XXXX XXXX and a XXXX point loss is very harsh. I was also in the moving process in expensive XXXX texas and had no desire to be late. I just simply didjnt know where my card was or the name of company. Also, this card doesnt even come with a chip reader. If you look up my credit profile I have XXXX accounts and theyre all paid up. I dont deserve this and I pray my mother gets better and my health does too. I dont go 30 days with any my accounts not being paid. This card is just new to my profile and no due date was mentioned on email or a phone call or voice mail was never received.
09/20/2022	Yes	Checking or savings account Checking account	Managing an account Funds not handled or disbursed as instructed	GA 30096	Web
On XX/XX/2022 a {$300.00} Deposit was sent online to the XXXX XXXX, XXXX located at XXXX XXXX XXXX XXXX. XXXX, GA XXXX \| XXXX XXXX XXXX XXXX \| XXXX, We decided to go to another location, due to the Company stating if he had a Guarantor or Co-Signer he would be over qualified so we decided to cancel the application. Which XXXX the Company that referred us to them stated they would have to return the deposit back to us since the deal was cancelled. Approximately 3 to 4 weeks went by and I followed up with XXXX the Apartment Complex regarding our refund. They stated it had been mailed and cashed. I informed them that we hadn't received anything and confirmed my address, they stated that's where it was mailed, and they sent me a copy of the signed check! Of course it wasn't my signature. At this time, we still haven't received the refund from Synovous Bank and the Apartment Complex is giving us misinformation and nothing definite regarding the deposit refund. Also, whomever Forged my Signature and Cashed the check needs to be held accountable and funds paid with interest. I have spoken with the Manager XXXX XXXX, again nothing has been taken care of at this time.
02/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AL 35405	Web
I had an unsecured credit builder card through a company named First Progress. I paid the card out, received a refund, and also closed the account in XX/XX/XXXX. I have a XXXX balance on the account and it is still reporting as negative to the credit bureau XXXX as of XX/XX/XXXX. I spoke with multiple customer service representatives on different occasions with the most recent date on XX/XX/XXXX. I was told that I have a XXXX balance in there system but they don't know why its reporting as 90 days late on my credit report. I was told to call one of their collection agencies named XXXX to see if they could tell me what's going on but they representative there said she couldn't find me anywhere in her system. It didn't make sense that a collection agency would have my Info since the account is paid in full, but I followed their instruction on that. I have documentation from my credit report to prove that this account is NOT 90 days late and that there is in fact a XXXX balance. I would like for the company to send me a XXXX balance letter to my home address XXXX XXXX XXXX XXXX, Al XXXX and also remove this account completely from all credit bureau reports.
01/21/2020	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	FL 33625	Web
On XX/XX/2019, my husband and I applied for a mortgage loan through Synovus Bank. At that point we opened an online access to track the progress of our loan. We also submitted the requested paperwork. On XX/XX/2019 I reached out to our contact officer ( see below ) asking for progress on our loan application and received no response. On XX/XX/XXXX, I received a text message from her explaining she was out sick and would get back to me shortly. Still no information was provided. On XX/XX/2019 I texted her again with no response. On XX/XX/2019 I decided to call them and leave a message to her ( XXXX 's ) supervisor. That same afternoon, I received a call from her. At that point she finally sent me an email with information about XXXX XXXX XXXX XXXX XXXX ( XXXX ) and how to register. Upon taking our class this saturday XX/XX/2019 we learned we had to submit a complaint seeing that we feel that there has been a break of communication between this bank and us. There was no further follow up or plan so we can fix or obtain anything else needed. XXXX XXXX Mortgage Loan Originator SYNOVUS MORTGAGE XXXX XXXX XXXX XXXX XXXX, Fl. XXXX C : XXXX XXXX NMLS XXXX
08/31/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 77459	Web
Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) Thecreditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of thecreditoron a statement. As I know the creditor didn't notify me 21 days before with a statement so there should be no late payments on this account. I demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because this is clearly a billing error. The items below should all be updated to paid as agreed on my consumer report. First Progress XXXX As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, StateAttorney Generals Office, XXXX XXXX XXXX, andFederal Trade Commission ).
09/01/2023	Yes	Credit card General-purpose credit card or charge card	Other features, terms, or problems Other problem	IN 46112	Web
I have been trying to get a refund from my secured credit card for several months now. I have submitted 2 written requests and still have no received the {$200.00} refund. I have received statements from XX/XX/2023, XX/XX/2023, and XX/XX/2023 showing a credit on the account and refund due to me. All of these statements were sent to me via mail while the check has not arrived in the mail. There has been no proof via a tracking number to show the check has been sent, even though I have requested tracking or proof of the check being sent twice. I am once again requesting my refund to be mailed to me immediately and for this case to be escalated. I am also requesting tracking for the check as there has been no proof or update other than telling me to refer to custom service. Custom service does not have access to the refund department and are unable to help me. The company has confirmed my mailing address and has sent me mail, but not the money owed. At this point they are well past the legal time period for the refund after my written request. Please escalate and rush my refund and provide proof via a tracking number for the check being mailed.
06/23/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 31794	Web
Synovus Bank of XXXX GA is fraudulently reporting that I have a credit card with them that has gone into settlement as of XX/XX/XXXX. They reported that I've been late since XXXX of XXXX. I opened a Synovus credit card in XXXX which was closed and went in settlement and was legally settled over 10 years ago. They have now just put it back on my credit file as if I just settled the account. I've called and spoken with the credit department and they admitted fault but will not respond back any longer to my calls nor will they remove. There are several recorded calls of me talking with them and their admitting to get the matter resolved. It is my suspecting there is someone in the company fraudently hiding or stealing money and looking to see who has old settled accounts and filing that as renewed bad debt with the IRS. I disputed the errors to XXXX and called and spoken with one of their supervisors who also recognizes Synovus error. They have the phone calls recorded too but no one has taken action to remove fraudulent reporting. Both parties are responsible for poor consumer practices and have total disregard for one 's credit well-being.
09/18/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TN XXXXX	Web
Synovus Bank XXXX - prior to the XX/XX/XXXX dispute the credit report showed 22 missed payments and acct c/o XX/XX/XXXX. The dispute I submitted was to show verification I never missed a monthly payment. I uploaded the acct payment history from Synovus. I never missed a payment on the acct. I was not aware of the acct matured and c/o until the late reported on the bureau. The scores dropped and I could not refinance the ballon equity line of credit. XX/XX/XXXX, XXXX XXXX, Synovus Recovery Specialist ( office ph : XXXX ) reinstated the loan. I agreed to pay {$280.00} per month and signed the note with Synovus. The acct is reinstated and the bureau reported paid as agreed until XX/XX/XXXX. I am requesting the XX/XX/XXXX charge off be removed and the account to show paid as agreed from XX/XX/XXXX until current. The payment history will show the acct C/O XX/XX/XXXX. I have provided supporting documentation to verify my statement. I disputed the information 2 times with the credit agencies. Result reporting the same. I uploaded the XX/XX/XXXX Note ; Payment history ; XXXX/XXXX XX/XX/XXXX credit report/ Synovus XXXX & XXXX monthly statement.
12/20/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	CA 93401	Web
My First Progress card was stolen. I reported it to the company and asked them to prevent reverse the fraudulent charges on the account and prevent further fraudulent charges. From what I can tell, they issued a second credit card and allowed fraudulent charges on that and kept two accounts running then failed to post payments to either account. Because of this, I was assessed a late fee and now have a balance of {$520.00}. I would like the company to cooperate in an identity theft investigation by closing the account and providing copies of all charges on the account with the transaction type and identity verification used. This request has been made to the company pursuant to California XXXX XXXX which requires parties to cooperate or be subject to a fine of {$100.00} per day paid directly to the injured party ( California XXXX XXXX XXXX XXXX ( XXXX ) " ( XXXX ) In addition to any other civil remedy available, the victim may bring a civil action against the entity for damages, injunctive relief or other equitable relief, and a penalty of XXXX XXXX dollars ( {$100.00} ) per day of noncompliance, plus reasonable attorneys ' fees. '' )
10/17/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	RI 02905	Web
Here attached is a copy of this creditor reporting inaccurate information on my credit report to XXXX and XXXX, 1- there attached is factual proof highlighted in a red marker where they state i was " 60 days late : to one bureau on XX/XX/2015 and to the other bureau they report " 30 days late '' how is this accurate? 2- After the " closed date '' they report activity as " ok '' and " 30 days late '' how can a account be paid on time after being closed? 3- The vice president of First Progress Mr XXXX says in a letter attached that they are not reporting any payment of {$9.00} and as you can see in attached report that is false. 4- this creditor has not sent me any proof this account belong, no copy of any agreement, contract or application with my signature. 5- They refuse to send me an itemized account history with all charges, fees and debit. copies of canceled checks to prove the late date they are reporting. All my claims are verified in attached copies of my credit report highlighted in red marker. This inaccurate reporting is hurting my ability to obtain a fair credit score for a new job please see all documents included.
06/25/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	TX 77065	Web	Servicemember
I have reached out several times to First Progress bank in regards to my refund. I feel like they aren't processing my refund out of spite, because I submitted another complaint on them before in regards to my refund. I closed my credit card account with First Progress bank on XX/XX/2023. They told me that it could take 70 days no later than ten weeks for me to get my {$950.00} back. I have called and called and called them. They out source to the XXXX XXXX for their call center, so the people on the other side of the line either don't understand, nor don't have any information to provide to me. I'm at my wits end with trying to reach out to them to get the money that is mine returned to me. I have waited patiently for their 70 days- ten week policy, but now I just feel like I'm either being taken advantage of, or they don't care. Like I told them, I I don't have a check in my hand for the {$950.00} they owe me ( MY MONEY ), then I'm filing a lawsuit, for loss, amongst other things, and I'm an attorney. I really don't think they want to deal with my legal drama. All I want is my money back, and never to do business with them again.
06/09/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Trouble using your card Can't use card to make purchases	DE 198XX	Web	Servicemember
I rented a car from XXXX and I was apparently over charged which took me over my credit limit on my XXXX XXXX MasterCard by about {$250.00}. I paid the balance I owed and the amount that took me over my credit limit I paid with my debit card which my funds should have been available on my card within 24hrs it was not when I called I was told that my funds could be held for 30 days if I did not fax in a copy of my XXXX receipt showing that the rental card agreement was completed. Today I called and spoke with XXXX who told my self and my wife that the funds would not be released for 30 days, the funds would be available on XX/XX/XXXX and this was a requirement of visa not XXXX XXXX this is not true I don't even have a Visa card I have a Mastercard. Not only is the 30 day hold a lie because my funds so far have been held from XX/XX/XXXX by XX/XX/XXXX is far more than 30 days. XXXX was terrible in his explanation of what is going on with my card. This is not right I did not ask for a credit I just paid my bill in full including any amount over the credit limit. I want to know why I am being punished for doing what I am supposed to do
11/29/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30349	Web
I am writing to dispute this account and to request its removal from my credit report. Account listed is not { incorrect/ inaccurate } being reported to all three credit bureaus. I believe that this is in violation of several laws, including the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). This account is reporting to only 2 credit bureaus instead of all 3. Also this account incorrect account status is reporting and amount. these account says closed open. Under the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ) I have the right to dispute any information on my credit report that I believe is inaccurate or incomplete. I am requesting that you investigate this matter and remove the repossession from my credit report. Additionally, I request that you ensure that the balance on the account is reported to all three credit bureaus. Under the FDCPA, I have the right to request that you stop all attempts to collect on this debt until this matter has been resolved. I am requesting that you cease all collection activities until this matter has been investigated and resolved.
05/19/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Account status incorrect	GA 30087	Web
First Progress has accepted payments for my 2 credit card accounts and has failed to credit my accounts. I have always made the payments using bill pay from my bank account and the payments process has never been an issue. I also have NEVER been 30 days late with these 2 accounts I have with First Progress. I processed my payments for my accounts via my bank account on XX/XX/2023, and my bank confirmed that First Progress accepted those payments on XX/XX/2023. My payment never posted to my account and First Progress has taken my money. I spoke with several representatives from first progress that assured me that my account would not reflect 30 days late if I faxed over the proof of my payments being sent from my bank account. I sent them over the information requested a total of 3 times via fax and First Progress has still not removed these late payments from my credit report. They have not posted the payments to my account and have not returned the funds either. I demand my account be changed on my credit report to reflect always paid as agreed, removing the 30 days late. I have attached the information for your viewing.
11/26/2023	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	GA 30331	Web
On XX/XX/2023 I deposited a {$90000.00} check from a client into my business account at Synovus Bank. I was told there would be a 15 day hold until the funds would be available and reflect in my account ledger. I was provided with an availability date of XX/XX/2023. On XX/XX/2023 the funds reflected available in my mobile banking app. On XXXX XX/XX/2023 I went into a XXXX branch location and requested to withdraw funds from my account. I was told by the teller that my account was under review and I had no access to my account for any transactions. I called the customer service line and was told that there was nothing they could do to assist me and that I had to wait on a letter to come to my mailing address for further instructions. They could not tell me when or who was sending the letter or why I did not have access to my funds. I requested a supervisor assist me but I was declined. I am currently now unable to operate my business fully. I have already missed out on a business deal from that day. I am unable to pay employees or fulfill my contracted obligations with vendors. I am extremely frustrated to say the least.
12/14/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	SC XXXXX	Web
There is two accounts with First Progress that was pay to delete. However the creditor refuse to handle the account accordingly pushing me to the collections that collected the payment. XXXX XXXX advise to First Progress on 3 way that they aren't the Creditor who have a communication with the reporting agency, First progress is. Leaving me on the phone with First Progress I had to call several times where my last call the rep place me on hold and hung up after 8 min on hold. I've tried to get this resolved but they refuse to take charge as a Credit. This account has been verified fully, its closed and have been paid in full. One of the rep lied trying to say I owe over {$400.00} I told him he need to reevaluate my account because its paid in full and supposed to be removed. The XXXX report before she left told me he's giving you false information, you called two different time paying the balance in full XXXX and XXXX, but she don't have communication to the bureau to have it removed, First Progress does but refusing to help you. Not only will they do their end they trying to collect more money from me that I don't owe.
11/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 77459	Web
I believe the company, First Progress, has committed several individual actions that violates my rights as a Federally Protected Consumer. First, the account is reporting without my consent Pursuant to 15 USC 1681b. ( a ) Permissible Purpose. I have never given written or oral consent to furnish accounts or use my credit report for any reason. This by lawful definition is Identity theft. Second, Pursuant to Regulation Z & 15 USC 1666b. Timing of Payments, First Progress is inaccurately reporting late payments to my consumer report that can not lawfully be deemed as a late payment for any reason. Furthermore, Pursuant to 15 USC 1666d. Treatment of credit balances i am owed a refund from this consumer credit transaction. 12 CFR 1026.13 further explains the billing error violation committed by First Progress. Additionally, 15 USC 1692f ( 1 ) Unfair Practices states the collection of any amount ( including interests, fee, charge, or expense incidental to principle obligation ) unlessed authorized by agreement OR permitted by law is a violation. XXXX has deemed this account as verified, however who verified this account?
10/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	WA 99352	Web
I opened a First Progress XXXX credit card in XXXX with a {$300.00} security deposit. I used the card and made regular payments for 3 years all with no problems. I stopped using the card in XXXX and over paid the balance in appx XX/XX/XXXX. First progress sent me a {$15.00} refund check. I check my email my mail and my credit report monthly. I have not received anything from First Progress Card since XXXX of XXXX. That is when they emailed me a statement. XX/XX/XXXX First Progress was negligent in charging me a {$39.00} annual fee on a card with no balance and then not sending me a statement! I had not way of knowing there was a fee charged with not statement. I was notified of this charge only after my XXXX credit reporting said that I had been given a 30 day late charge on a card that I had received a refund check from as my last correspondence. I have promptly paid off the balance again and I would like the 30 day late reporting removed from my credit report on all 3 bureaus. This is negatively affecting my ability to buy a primary residence and I did my part to fulfill my obligation to First Progress Card.
03/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30339	Web
1STPROGRESS/XXXX XXXX XXXX XXXX XXXX XXXX Accounts : {$200.00} each I have called First Progress three times requesting this information be removed as it is fraud and not something I applied for on their platform. The first call I had with them, they confirmed the credit cards that were applied for were returned to them, further confirming this was something not fulfilled by me. The confirmed they would investigate and let me know what they came up with. After a few weeks, I heard back from them via mail and they confirm these accounts were fraud through their investigation- this was early XXXX when i heard back from them with their confirmation. Both of these account should have been removed but they're still on my credit across all three of the major credit bureaus which is hindering me from getting a home and apply for credit needed to keep my business open. The third piece of communication i got from them stated the investigation finding were in my favor and they would send communication to the creditors removing them late payments and accounts from my credit. I have a letter confirming the communication.
11/24/2015	Yes	Bank account or service Cashing a check without an account	Making/receiving payments, sending money	CT 06514	Web
I have run into a problem with Synovus BankXXXX on XXXX Florida, XXXX, regarding an illegally honored check. I am a representative XXXX. It came to my attention that a payment we were supposed to get by the XXXX Insurance company never came, and upon further review discovered that this check was already honored and asked the XXXX records department for a copy of the cleared check, in which they provided. This check had BOTH the names of our client, XXXX XXXX, AND XXXX, on the Pay to the Order section. This check should have only been honored by Synovus if XXXX the proper endorsements were on the back of this check. We NEVER signed the back with our endorsement, when the majority of the check was supposed to be ours, yet it was still honored, and now we are out over {$8000.00}. If the check has XXXX names on it, it requires XXXX endorsements. This was not done. After calling Synovus bank for weeks on end and getting the same story about how thy cant do anything about it, the manager XXXX proceeded to tell me never to call back and that she was done with me. I need help taking legal action against this institution.
09/14/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	LA 701XX	Web
I have recently reviewed my credit report and I have noticed several late payments on FST Progress XXXX According to the Fair Credit Reporting Act 15 USC 1666b -A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. According to the the Fair Credit Reporting Act 15 USC 1681i ( 2 ) ( A ) ( i ) -report containing information solely as to transactions or experiences between the consumer and the person making the report ; According to the Fair Credit Reporting Act 15 USC 1681s-2 ( a ) ( 1 ) ( F ) - The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the XXXX XXXX XXXX ( XXXX ) XXXX during the covered period.
04/26/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Can't close your account	MD 21701	Web
This is in reference to a XXXX XXXX Platinum Mastercard secured credit card. The issuer held {$350.00} of mine and I could charge up to that amount every month. I paid in full almost every month and was Never late. I was notified on XX/XX/2019 that I was going to be charged a renewal fee of {$49.00} during my next billing cycle, beginning on XX/XX/2019. I IMMEDIATELY sent a written notice requesting that my account be canceled Before the charge went into effect. Two weeks later I spoke with a Customer Service representative who told me that I was Not being charged the fee, that a check in the amount of approximately {$400.00} had already been issued ( {$350.00} deposit plus a negative balance of approximately {$45.00} ) and that I should be receiving it any day now. I can provide proof of that phone call but cant attach it here. Today, XXXX XXXX, I was told that charges were approved on the account after I closed it, and that I was being charged the {$49.00} fee even though the card has been canceled. I would like the {$49.00} fee refunded. The representative was rude and totally unwilling to help.
04/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	PA 19124	Web
I originally reported my card lost back in XXXX on XXXX. I did not receive a replacement card until the end of XX/XX/XXXX. While waiting for my card to arrive, my credit score dropped XXXX points due to them reporting my account closed. For this, I reported them to the Consumer Financial Protection Bureau. The replacement card, attached, was only good for one month. After XXXX of XXXX, Inwas unable to make payments or purchases due to the card being expired and for the longest time, not even showing up on the website or my credit report because it was reported as closed. Now Im receiving late payment reports on my credit when I wasnt able to make payments on the card because of the account status and it being expired. I have closed this card today and would like a correction reported to the credit bureaus. The issues on this card was due to no fault of my own and the responsibility falls on First Progress for failing to send a usable card for payments and purchases. And for also failing to report the card as open and not closed, and for removing it from the website for payment back in XXXX.
02/28/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	IL 60169	Web
I received a collection call from XXXX XXXX XXXX on XX/XX/23. Not being familiar with the debt they were referring to, I asked them to send the information in writing. They did. When I received it, I saw it was an unfamiliar retail credit card. I checked my credit report to ensure it wasn't something I forgot about or could be a tip off to potential identify theft. Nothing was listed on my credit report that could tie back to the debt they are trying to collect. On XX/XX/23 a gentleman named XXXX XXXX called me to attempt to collect this debt again ( stating again my wages would soon be garnished for the debt ). When I told him it was never mine, verified on my credit report, and seemed to be an attempt at skip tracing, he said my file was no longer in their system and I should stop calling them, and hung up. Assuming it was an overwhelmed employee, I called the number at the top of the form they sent me, which was disconnected. I called the number on the company web site and it rang back to XXXX XXXX. I asked if I needed to submit a written dispute to close the file and he hung up the phone.
01/26/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 76542	Web	Servicemember
I decided I wanted to try and purchase a house at the beginning of XXXX so I pulled my credit reports. I have a XXXX XXXX credit card that is open and in good standing today. What I found upon pulling my credit report around XX/XX/XXXX was that there was another XXXX XXXX XXXX opened in my name around XX/XX/XXXX that does not belong to me. I submitted a letter to XXXX XXXX to let them know that the card that was opened, was opened without my authorization and does not belong to me. I did not receive a response to my letter sent. I then called XXXX XXXX around the end ofXX/XX/XXXX directly and they confirmed that I do have a current account in good standing and notified me that the account that did not belong to me would be removed immediately as it was issued without my consent or authorization to whatever unidentified party. XXXX XXXX has yet to remove this account from my credit report. It is hurting my credit profile and makes me look like someone who doesn't fulfill their obligations when it comes to extending credit. Please help me get this information removed from my credit profile.
09/04/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IN 46516	Web
Late payment disclosed on credit report : XXXX XXXX and XXXX of XXXX also XXXX and XXXX of XXXX. The comments on my report says " the account is closed at credit guarantors request '' which has a negative reflection when I am reviewed by creditors. Also this account was closed XXXX of XXXX and it's still being reported as a revolving account on my credit which is hindering me from increasing my credit limit. I have a credit balance of {$50.00} which I was never reimbursed from the company. Progressive is still reporting my account as if I am able to get additional credit which I am no longer able to do so due to the account being closed this company reporting my credit as open is fraudulent and goes against the Fair Credit Act 15 USC 1681. I have disputed with XXXX XXXX and XXXX concerning this account and this company refuses to remove these negative remarks off my credit report. This is a defamation of my character and a hindrance of my livelihood due to I am trying to buy a home and the banks are reviewing me or seeing me as a credit risk as a result of their negative reporting.
11/26/2022	Yes	Mortgage Home equity loan or line of credit (HELOC)	Trouble during payment process	FL 33611	Web
I made a prior complaint about this same bank, and same account, in XXXX of 2019 ( Complaint # XXXX ) I thought that it was resolved with your help. This account has been paid off for many years. Recently I received a statement indicating that it had a balance of {$780.00}. I did not use this or authorize it, I thought the account had been closed. I called and they refused to accept a fraud report. They reversed the charge and told me they would close the account. I then received a notice that there was a balance of {$2.00}. I called again and told me they would close the account. I received a notice again today that there is balance due. They have refused to close this account, even thought it is paid in full and I have requested it be close, and they have assured me many times over the years that they would close it. Now there are multiple fraudulent attempts to take monies from this account, and they will not investigate who is withdrawing money from what should be a closed account. The bank is Synovus, please help determine if this is a case of gross incompetence of criminal fraud.
01/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33169	Web
I had a secured card with this company since XXXX. I had never had an issue with thin in the 5 & a half years of being a customer. I recently noticed that there were 2 late payments in my account for ( XX/XX/XXXX, & XX/XX/XXXX ). I was diagnosed with XXXX ; & was unable to work due to my preexisting conditions, coupled with XXXX made me bed ridden. That is why I fell short of making those 2 payments. I disputed the late payments ; only for this company to add 1 more late payment to my account ( an entire year after I closed the card with a XXXX balance, & 5 years after that first late payment ). I do not owe them, & what went from 2 late payments ; is now reflecting 3! I ask that the late payments all be removed for inaccuracy. I was a member in XXXX, of XXXX ; & personally spoke to a representative that removed that late payment while I was on the call. So, why add the late payment back 5 years after it was removed to hurt my credit? I am currently battling king XXXX? & XXXX XXXX I need these removed to get into transitional housing as I am homeless with XXXX kids. Please, Thank you
07/20/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	NC 28216	Web	Servicemember
I disputed charges from XX/XX/2021. The company is saying I am responsible for items that were mailed to another address that I never ordered from XXXX. They ever stated I have 9 other charges on my card from this address, this is not true. The company advised me not to pay off the card until these charges were investigated, noe I see over {$80.00} on late fees they have added to this account. I have NEVER charged 9 times on this account because they shut the card off once a late fee is added and not paid in full. This clearly a fraudulent charge and I do NOT fell I should have to pay for items not shipped to me. I have spoken to this company and they refuse to remove these charges causing yet another drop in my credit score. This was supposed to help my credit, not make it worst. I am through with First Progress. I want these charges removed and a pay off amount so I can rid myself of these people. They are clearly taking as much money as they can from poor hurting people during a pandemic where we are already suffering. It is absurd what they are doing at a time such as this ...!!!!
05/29/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 95501	Web	Servicemember
As of XX/XX/2020 I called In to first progress credit and was trying to pay my bill the one woman was very rude I hung up on her. The next person to help me was fine I paid my bill, got charged the fee again for doing so and continued my day. I believe that the woman was angry after speaking with me and without consent closed my account that was only open for 2 months. After. Any calls I was told this was a mistake and that it would definitely not show up on my credit report as they report the XXXX. I was promised over and over that the account closure was a mistake and it would be reversed in 48 to 72 hours. This company is very very shady and that should not be in business. I have made hundreds of payments on time and have had no issues with any company except them. This company has single handledy in 2 months dropped my credit score from XXXX to XXXX in a matter of 2 months and it is wrong I've do e all I can to reach out but they are bullying me and effecting my life over a simple XXXX dollar prepaid card. On top of the fact that I believe they have sold my personal information.
08/02/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	FL 328XX	Web
I completed an application with First Digital Credit Card after they send me an offer for {$700.00} credit card via XXXX match credit option lowered the amount to {$300.00} and requested me charged me {$95.00} to accepted a credit of XXXX XXXX additional charged me {$75.00} to the credit amount. After they said that the payments due date is XX/XX/2023 changed it to XX/XX/2023 without any expressed notification after I uodated my new mailing address due to things beyond of my control and when I made the payment on XX/XX/XXXX. 2023 appeared as a late payment and charged me late fees XXXX XXXX fees are illegal and they changedthe due date in misleading and confusing terms. They changed without previous notification and consent. Iam not a silly person. I believed that someone in ny previous address is receiving my mailing and making identity theft or the previous apartment complex administration is receiving my correspondence and making identity theft.i need that financial institution removed the late fees charges because they was the responsible for the changes without notification.
04/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 751XX	Web
After the good faith adjustment was honored and reported to remove all negative impact reporting to all Credit Bureaus ( XXXX, XXXX XXXX XXXX ) there was a new inaccurate 120 late pay reported to the bureaus for XX/XX/XXXX. I paid off this account in full in XXXX of XXXX, the account has been closed since XXXX and my good will letter was honored to remove all of the previous negative reporting but a new 120 late pay was added for XX/XX/XXXX. I am in the process of buying a house and this inaccurate reporting can cause me to loose the house of my dreams as well as be homeless because I have already given notice to move out of my current home. I need this inaccuracy corrected TODAY and reported to the Bureaus so that I can complete my homebuying process. I cant wait until the next reporting on XX/XX/XXXX, I need this corrected immediately. I truly appreciate your consideration and thought to my situation in advance. I have attached the written requests sent directly to the creditor as well as the statement sent to me showing last payment date, {$0.00} balance owed and account closed.
05/23/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Company closed your account	CA 90046	Web	Older American
By law First Progress has agreed to close my account on XX/XX/2021, withhold {$120.00} from my {$1000.00} security deposit to pay for the amount I have disputed with CFPB recently, refund me the remaining {$870.00} from my {$1000.00} security deposit, as indicated in their XX/XX/2021 statement, but within a recent XXXX complaint filed against them, there in this XXXX Complaint and CFPB above referenced Complaint it was proven that they have rebilled the {$120.00}, after the above withholding payment of {$120.00}, which has evidently been ignored and discounted as with the refunded {$870.00} in closure agreement, proven with the following statements resulting in the XX/XX/2021 Statement balance due of {$390.00}. The above First Progress withholding & rebilling {$120.00} contradictions and refunding {$870.00} & thereafter billing {$390.00} contradictions, after XXXX balance closure agreement statement dated XX/XX/2021, and refusing to report a XXXX balance to all 3 Credit Bureaus proves, as evidenced above, the guilt of " false and deceptive business practices by First Progress ''!
02/12/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 33073	Web
We obtained a construction loan from Synovus bank to build our dream house. The loan amount was {$460.00}, XXXX at an interest rate of 4.375 %, to be disbursed in progress payments. We have received {$280000.00}. The monthly payment for this amount is {$1100.00}, which we have paid faithfully. On XX/XX/22, Synovus arbitrarily raised our payment to {$2400.00}. They said that this amount includes principal and interest on the total loan amount of $ XXXX. We replied that we could not be expected to pay principal $ interest on funds that Synovus never disbursed. Furthermore, we agreed to pay the XXXX, if the total loan amount was given to us. At present, the facts are as follows : 1 ) Synovus has reported us as late, to the credit bureaus for 13 consecutive months, even though we pay the proper amount {$1100.00} monthly. 2 ) Synovus has ruined our credit which makes it impossible to refinance this mortgage. 3 ) Synovus refuses to release the additional funds we needed to complete building our home, yet they want to force us to pay principal & interest on funds in their possession.
12/05/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 276XX	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have sent in FTC report, police report and have sent in proof of my information confirming that the alleged debt isn't mine nor did I give anyone authorization to use my personal info.
02/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NV 89081	Web	Servicemember
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 FILE NUMBER. XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
07/03/2021	Yes	Checking or savings account Checking account	Managing an account Fee problem	GA 30132	Web
My bank is taking full advantage of unemployed people. I have a transaction that I tried to stop. I was waiting for my unemployment direct deposit and noticed that my credit payment was automatically coming out. I tried to stop the automatic debit but was told that the transaction cant be stopped, I called my bank and I was told that they cant blockage transactions I had to wait for the charge to hit my account, once the chats get hit my account I called my bank again and was told that nothing can be done because it was pending. By then I was finally able to remove my banking information from my credit card profile. My bank charged me XXXX over draft fees and when my unemployment came in I had to pay XXXX {$36.00} fees. This should be illegal because I desperately tried to alert my bank to no avail and most of my unemployment check went to their fees. Im a single mother of XXXX and couldnt pay a bill because of this. This has happened more then once at this bank. Even if I call them and they refund transactions I swear within a couple of days they are back on my account.
08/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 92557	Web	Servicemember
I closed my credit card account in XXXX was issued another in account in XXXX. The account that was close had {$43.00} credit new account with renewal fee open at {$49.00} which never received the bill because I never access the card XXXX. First Progress reported I was 30 days late on {$49.00}, I called explaining that on the close account I have a {$43.00} credit. Can you please add it to the new account and I owe you XXXX XXXX they refused closed my account ruin my credit score I attempted to fax their fax machine for a goodwill adjustment. One of their employees stated their fax machine have been down from XXXX XXXX XXXX XXXX, and was re-working sometime in XXXX, I still have two bills that I just received in XXXX saying {$49.00} I owe one bill saying {$43.00} credit. They have ruined my credit I lost XXXX and something points and theyre continually reporting XXXX XXXX late on my credit report then they will re-reset and re-report a XXXX, XXXX I can not contact you because I do not have an open account. They are violating the FRC rules and I need to be compensated.
01/27/2017	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt resulted from identity theft	IL 60659	Web
I have contacted 1st Progress AKA FST Progress I sent them a 14 page packet along with the Affidavit they sent me. This affidavit I signed an notarized over 14 times going back as far as XXXX. This company continue to play games with me and ask for me to send the same paperwork as a stall tactic. Knowing I have Identity theft. today XX/XX/XXXX they send me a letter telling me they will refund to fraudulent charges? to a gas station and XXXX?? I do n't understand this is about the whole account. They play the games to be funny and I 'm very serious and on the verge of taking them to Court, If they do not comply with the guidelines and code of fair credit reporting. I am very upset that I have spent over XXXX clock Hours in writing them calling and Paying for Notary to Notarize my Documents. They have also change the dates on the credit report? Can some one please get this fraud of my Report. I do n't understand why a company would continue to Hurt a victim of a crime Like Identity theft. Its been XXXX trying to get my life back. I want this removed ASAP no more games.
01/20/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33626	Web
I opened an unsecured line of credit with Synovus Bank back in XX/XX/XXXX which converted to an installment loan on XX/XX/XXXX with a {$43000.00} balance with a {$770.00} monthly payment which I was more than happy to pay for moving forward. I was then sued for non compete from my former employer and lost in arbitration for a large amount and was forced to file Chapter XXXX Bankruptcy in XX/XX/XXXX This account was included in the Chapter XXXX BK and was to be closed, charged off and only collect interest. The Chapter XXXX BK was canceled in XX/XX/XXXX and I have made attempts to settle this debt with a repayment arrangement agreement. This account is still open and is a rolling 150+ days late on my credit report which I have asked them to charge off and close the account many times. This account is ruining any chance of restoring my credit and they will not accept a repayment schedule I also asked that they stop charging daily interest and monthly penalties since the current balance is now up to {$50000.00} which is ridiculous since the account should be closed
10/17/2017	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	WV 253XX	Web
I submitted a payment that was due on XX/XX/XXXX, and was received by XXXX XXXX on XX/XX/XXXX, a whole seven days prior to my due date. However, I still received a late fee. I have had issue after issue with late fees with only this card and company. This is the only card that takes five+ days to credit my account when using XXXX XXXX XXXX bill pay, so now I have started paying early to attempt to avoid the continued fees, obviously now, to no avail. In the last complaint the company blamed XXXX XXXX and indicated that I needed to have XXXX XXXX message/contact them to correct the issue. XXXX XXXX said they released the money to XXXX XXXX after their 2 business day delivery window and that the extended amount of time for XXXX XXXX to post the payment was on XXXX XXXX and there was nothing they could do other than print out the release of funds statement, which I had already supplied to XXXX XXXX in numerous previous complaints about this issue. I am unsure what to do, other than assume I am paying interest and a $ XXXX monthly fee ( late or not ) at this point.
06/09/2022	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	SC 29072	Web
Using my Synovus Bank debit card at the end of XX/XX/2022, a transaction was allowed through my checking account without my acknowledgment/agreement. I reported the transaction to Synovus who gave me several different answers between their customer service and local branch. Over the course of several months, I was not kept up with the findings of Synovus, nor was my matter handled properly. I was NOT alerted my temporary credit was reversed and I was charged for the fraudulent use. I made multiple attempts at disputing this transaction and Synovus basically told me, too bad. The level of incompetence with multiple answers and months on end for a dispute that should have been ruled in my favor a long time ago is no excuse for me losing my money I am entrusting this bank with. Ultimately, all I am seeking is the refund of the {$69.00} to be returned to me. But apparently no one there wants to grant that to me to keep me a satisfied customer. XXXX, I will be more than happy to close my account with them and spread the word about their abysmal customer service.
01/03/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	CT 06410	Web
The website has been having errors for several weeks. I have not been able to log in to check my balance and now to make a payment. Now a message comes up stating, due to the status of my account, I must call in. This was happening before my payment would have been considered late. I called on XX/XX/XXXX, and the automated system said due to my account status, I could not make a payment. I tried to reach a representative. Due to it being XXXX XXXX XXXX XXXX, no one was available. Now, I have tried called again for the last two days and the phone disconnects as soon as I request to speak with a representative. No matter how I try, the call always disconnects. There is no email address to try contacting them that way. I also sent an email through the XXXX website with no response and I made a complaint there as well. I am trying to find out what is wrong with my account and to make a payment. I have faithfully made timely payments on my account since I first opened it, and my account was in good standing. This is infuriating, upsetting, and a violation of the law.
10/22/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	NV 89015	Web	Servicemember
First Digital Card is trying to get me to pay for a card I never used. I told them it was fraud, I ask for them to send me statements showing the purchases I made using this card. They were unable to show me. I am ask for a statement they will not provide a statement. I have never received a statement at my address. I called once they sent me a bill saying I owe the entire amount of the card. It had no purchase information just an amount I owe. XXXXirst Digital performed a fraud check. The reasons they gave were because, the identity information, matches mine, DUH! it is identity theft. they have no records of return mail or statements, because I never received them! A credit card was mailed to my home, So what, I never received it! Telephone calls were made from my phone but not when? I called asking about the status of my fraud case, that is all. they said i activated the card from my number? which number... so me the records. This is not my card. i would have loved to get the card because i need the money, but i will not pay for something i never received!
06/21/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Can't close your account	FL 34293	Web	Servicemember
XX/XX/XXXX I canceled my XXXX Account and First Digital Credit Card Account - XX/XX/XXXX First Digital card paid XXXX {$24.00} and send me a bill for the {$24.00} plus {$8.00}. XX/XX/XXXX Called XXXX and they stated my balance was paid in full back in XXXX XXXX. Recontact First Digital card and they promised to fix the error. I can canceled my card with First Digital in XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX- First Digital paid XXXX {$24.00} and send me a bill for the {$24.00} plus {$8.00}. each month. I called First Digital each month and they promised to rectify but never did. I paid first digital each month so my credit would not tank. XX/XX/XXXX I finally spoke with a manager who fixed the issues but still doesn't know where the money to XXXX went as XXXX never requested funds. XX/XX/XXXX I got yet another bill as attached. Spoke to customer service and fraud. First Digital will not allow me to speak with a manager nor have they keep complete records. How is First digital paying on a account that has been closed since XX/XX/XXXX XXXX
02/19/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 751XX	Web
I submitted a dispute to XXXX on XX/XX/XXXX after delinquent First Progress account was paid in full. Balance was updated, but XX/XX/XXXX was updated as charge off, after account paid in full. Original balance was {$130.00}, payment was {$140.00} on XX/XX/XXXX. Another dispute with XXXX updating on XX/XX/XXXX updated goodwill adjustments ( negative comments removed up to XX/XX/XXXX ), but added negative comments to XXXX and XXXX, XXXX. Latest XXXX dispute began XX/XX/XXXX and ended XX/XX/XXXXwas due to negative comments to XXXX and XXXX. The update for this dispute was to move negative comments from XXXX and XX/XX/XXXX to XXXX and XX/XX/XXXX. XXXX can not /will not remove the account from my credit, even though it is set to drop off in XX/XX/XXXX, which I requested by phone on XX/XX/XXXX. XXXX states that they can open another dispute, but can not guarantee that it will be correct. I sent a fax including the attached information to First Progress on Monday, XX/XX/XXXX. Each time the account shows as charge off in XXXX, my credit score drops again.
09/07/2018	Yes	Credit card or prepaid card General-purpose prepaid card	Unexpected or other fees	MS 390XX	Web
I recently filed a complaint with you all regarding a prepaid credit card with XXXX XXXX XXXX. As I stated in the first complaint they kept my money for 2 months before sending the card. I kept asking to return my money so they finally sent the card. I spent my {$400.00} and sent the card back. They kept adding more and more fees, so I called and told them I no longer wanted the card because of all the hidden fees and that I had returned it. I also asked them about all the fees and I no longer had the card. I had preciously settled with XXXX XXXX for a card that a dead family member had gotten in my name for XXXX and asked them would they settle for XXXX since I spent only my XXXX and they had charged me an extra amount for processing fees that I paid up front, I was told to send the XXXX and they also told me that I needed to send them another XXXX which I refused to send since I had given the XXXX plus XXXX processing fees and the XXXX. So they put XXXX on my credit report. after writing you all the first time and closed the account with a XXXX balance,
08/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19111	Web
15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
06/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 94804	Web
I received several monitoring notifications, stating that I have XXXX late payment with First Progress, even though I am current on all of my accounts. I had a credit balance a year ago, and I have not been using the card. This was a secured account that I paid {$1000.00} to open. The card that I have expired in XX/XX/XXXX, it has not been used, and I never got a new card.I also never received any statements or warnings about late payments. After getting the alert of a late payment, I logged into my online account and found this : RECENT STATEMENTS Date Description Amount XX/XX/XXXX LATE CHARGE FEE {$41.00} XX/XX/XXXXXXXX LATE CHARGE FEE {$30.00} XX/XX/XXXXXXXX MEMBERSHIP FEE {$49.00} XX/XX/XXXXXXXX XXXX XXXX XXXX DEBIT {$21.00} First Progress is charging late fees on a membership fee that I was never billed for, on a card that is expired and can not be used. My last balance on this card was a {$21.00} XXXX XXXX year ago. They charged a membership fee for a card that I can not use, and for which I never received a bill or late warning.
07/14/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Company closed your account	FL 32825	Web
Called XXXX XXXX/First Progress on XX/XX/2023 to close my account. Representative assured my account will be closed immediately. I asked her when would my security deposit of {$1000.00} be returned, she replied " in about 10 weeks from today ''. I called on XX/XX/2023, spoke with XXXX to check the status of my security being mailed. Representative apologized an reported 1st rep closed my account but did not request for my security deposit to be returned to me. He explained he would surely have my security check mailed to me but it would take an additional 10 weeks. I kindly asked, with it being no fault of my own, can my security check be expedited. He explained he would place a request with " back office '' but i would have to call back for a determination. Called back on XX/XX/2023 spoke with XXXX. She explained in order to request they expedite my security check i would need to fax Name of Credit Card Company, my name, account #, that account was surely closed and the request to expedite my security deposit be returned. to ( XXXX ) XXXX
07/14/2016	Yes	Credit card	Customer service / Customer relations	NV 89119	Web
I have a secure credit card with First Progress Bank and I used to pay some service online, next thing I know is a letter that came on the mail saying that there was some suspicious transaction that they needed to verify and they were going to put an stop on the card until I call to verify. What is my surprised when I call for that issue, the hold period on the phone is 10 min. when they answer they put you on hold for 2-3 min. at the time any time they need to verify what you are telling them and .... if that is not enough after you answer all their interrogatory, they put you on hold one more time and come back and tell me that I needed to send a copy of my SS, ID and XXXX utility bills to verify that is me, so I go ahead and fax the documents out to their fax and when I call to verify they received, hoping that was the end of my night mare ... no the supervisor said that the copy of my ID and SS card were to dark that they could not read it, that I needed to send another. After all this I 've been on the phone for 3 hours with them
01/07/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 33431	Web
I was applying for a mortgage to purchase a property and found out that Synovus had improperly reported my payment history. My credit score went from XXXX to XXXX because of this. I am now unable to purchase property. In addition Synovus charged me {$1500.00} in late fees. I called Synovus and requested that they correct the issues above. They determined ( letter attached ) that there was an error in reporting. ( Letter attached ) I have requested a letter to specifically state that there were no late payments and the request has been ignored. I also requested a refund of the late charges and that was ignored as well. I have attached a copy of the credit report error as well as the mortgage statement showing the late charges. Not only was I unable to purchase the property but interest rates have gone up and will cause significant increase in my monthly payments Synovus just ignores me hoping that the problem will go away if they ignore me long enough. I am hoping others will learn from this and stay away from Synovus at any cost.
08/12/2022	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	SC 292XX	Web	Servicemember
I RESPECTFULLY ASKED BANK AGENT XXXX XXXX TO ADD UP ALL MY BANK DEPOSITS BETWEEN XX/XX/XXXX THROUGH XX/XX/XXXX I HAD ONE DIRECT DEPOSIT FOR {$840.00} DOLLARS FROM SOCIAL SECURITY ON XX/XX/2022, THEN I HAD ANOTHER DEPOSIT FROM SOCIAL SECURITY ON XX/XX/2022 FOR XXXX. I ALSO ASKED BANK AGENT XXXX XXXX AT XXXX XXXX XXXX BRANCH TO ADD UP ALL MY ATM WITHDRAWALS AND DEBIT CARD PURCHASES BETWEEN XX/XX/2022 AND XX/XX/2022 AND TO PLEASE DEDUCT AND PUT A TRACE ON ALL TRANSACTIONS AND SUBTRACT THEM FROM ALL DEPOSITS TO RECEIVE THE AVAILABLE BALANCE, BUT XXXX XXXX THE AGENT AT THE XXXX XXXX XXXX BRANCH IN XXXX SC REFUSED TO HONOR MY REQUEST SO I FILED THIS COMPLAINT? I ALSO HAD A DEPOSIT OF {$540.00} ON XX/XX/2022 AND I WOULD LIKE TO ADD FROM LOOKING OVER THE BANK STATEMENT THAT AGENT XXXX XXXX GAVE ME FOR XX/XX/2022 THAT A CHECK WAS WRITTEN FOR {$400.00} DOLLARS CHECK NUMBER XXXX FROM MY CHECKING ACCOUNT ENDING IN XXXX, I TRIED TO EXPLAIN THAT I DID NOT WRITE THE CHECK FROM MY BUSINESS ACCOUNT BUT THE BANKING STAFF WOULD NOT LISTEN TO REASON?
04/29/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 331XX	Web
Please see below regarding current late payments in last 12 months dates : 1st Digital/Synovus XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXhis is a misuse of my rights. This is not accurate these late payments it is violating my fair consumer right please remove these late payments they are inaccurate and violating my consumer rights I am exercising your right under the FCRA, section 609, I am requesting all information related to debts listed on your credit report. I am entitled to all documents related to each item, including each original credit application and contract containing your signature. In addition I am requesting information about items in your inaccurate the credit bureau that if they can not verify an item by locating the original contract or other documents necessary to validate a given item in your credit report, they must remove that item within 30 days.
01/12/2021	Yes	Money transfer, virtual currency, or money service Mobile or digital wallet	Unauthorized transactions or other transaction problem	NC 28211	Web
I, properly initiated a payment to my XXXX XXXX XXXX credit card ; Through XXXX XXXX XXXX Bill Pay with a confirmation # that says it was supposed to go to XXXX XXXX XXXX credit card payment. XXXX XXXX XXXX improperly and without your authorization sent those funds to an account at the XXXX XXXX XXXX XXXX. The XXXX XXXX XXXX XXXX improperly deposited the money to a random account that was not even on the check or a payee name on the check. The account number on the check was our credit card number not even a legitimate account for the bank. The XXXX XXXXXXXX XXXX XXXX is owned by XXXX XXXX. Affidavit paperwork was filled out sent to XXXX XXXX and received by XXXX XXXX via certified USPS mail on XX/XX/XXXX at XXXX. In recent calls to XXXX XXXX, they state they can not help me because I do not have an account with their bank. Even though funds were transferred into an account of theirs. Our {$6100.00} needs to be returned. Synovu 's Bank XXXX was the check deposit info on the back of the check Check # XXXX Deposit # XXXX
10/10/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments You never received your bill or did not know a payment was due	HI 96744	Web
In 2017, I was paying my account as scheduled, and was carrying a zero balance. the company charged an annual fee that I was unaware of and thinking I was carrying a XXXX balance, I never bothered to check my account, and wasn't notified that they were charging the annual fee. Not until I got notified by mail of my account being closed, did I know that there was a charge and 90 days reported late on my Experian credit report. As my prior history shows, I value the credit process and was responsible. I continue to be responsible as my history shows. Id like for the late payments to be removed from my credit reports so I can continue to strive for my mortgage qualifications. Ive allowed for these marks to effect my chances for the past 3 years, and need to move forward from the experience. First Progress Card opened in XXXX XXXX reported on XXXX , then closed in XXXX and stopped reporting on XXXX and started reporting on XXXX and XXXX XXXX XXXX I don't understand why that happened. but resolution would be greatly appreciated.
11/25/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	IL 60411	Web
In a letter from Vice President XXXX XXXX he stated that his company did not receive my certified mail. Attached is the letter from VP XXXX XXXX and the confirmation from USPS confirmation of delivery. In the letter he also stated that my phone number and email matched. In general if someone used a person 's information that information would match. I am shocked that the VP XXXX XXXX would make that statement to verify an account. The statement and the proof of delivery that I provided shows that the VP XXXX XXXX did not do a accurate investigation or that he will lie to not do a proper investigation to close a case. So I ask did VP XXXX XXXX lie in his letter to avoid not responding in the 30 days and in this case the 9 months. Did my letter get tossed in the garbage like many by VP XXXX XXXX. The law states 30 days and I 'm sure VP TXXXX XXXX saw this and noticed it 's been 9 months. So I ask VP XXXX XXXX where is the certified letter, I provided supporting documents. Once again the letter VP XXXX XXXX submitted is a LIE.
02/20/2018	Yes	Mortgage Other type of mortgage	Trouble during payment process	GA 31909	Web
Two names were on the title of the property. One of the persons on the title was employed with the loaning company called Synovus. That person received a loan with only that person 's signature ( the above listed person ) and the other person on the title did NOT sign in XX/XX/XXXX. The signee is now going bankrupt ( the only individual that signed for the loan ). There has been no release of the loan off of the property. In XX/XX/XXXX, no title search was done to determine if there was more than one person on the title. No title searches were done on the original loan or either of the renewals. In XX/XX/XXXX she renewed the notes on the property and the bank assigned rent. There is a possibility of repossession of the property against the person whose signature is missing from the loan. Later in XX/XX/XXXX a quick claim to the person whose signature is not on the XX/XX/XXXX loan was filed. The person who borrowed the money filed a quick claim to the other listed person on the title ( who never signed on any of the loans ).
06/06/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Delay in processing application	AL 35205	Web
The First Progress bank is completely unable to be contacted after collecting a deposit from me and requiring me to contact them to verify my identity. Their phone line is a complete scam, every option ( none of which were press # to verify your identity ) leads to a message telling you their operating hours and then hanging up on you. Theres no queue, no wait, no call back option, just a message that tells you theyre busy and hangs up. So they collected money from me, found some arbitrary reason to hold up my application, and then are completely unable to be contacted. First Progress bank is a scam, and I have already contacted my bank who are investigating. I am writing so that Americans without the resources of a bank are no longer preyed upon. Im glad I found their predatory, money stealing practices BEFORE I opened an account with them, because they are unable to be contacted in any event. Please do something about this predatory, sketchy bank. It is absurd that something like this is legal in America, if it is.
12/30/2016	Yes	Bank account or service Checking account	Problems caused by my funds being low	SC 29483	Web
I bank with XXXX a division of Synovus. I have been a customer of theirs for almost 5 years now and have never had an issue until this month. In the end of the month of XXXX 2016 I was assessed several overdraft fees that I should not have been charged for, as I had a positive balance. After calling and speaking with a supervisor, they refunded half of the service charges. Then again at the end of XXXX 2016 I was assessed XXXX overdraft charges, and XXXX of them were in error. After calling the customer support center again, they only refunded one of them instead of both. This is becoming a problem that has already cost me over {$100.00} this month. As I said prior, I have been a customer of theirs for several years and just started having these issues this month. After speaking with them today, they told me that they would no longer refund any overdraft transactions, including if it was an error on their part. Being a consumer, this made me very upset and is the reason I have decided to file a complaint against them.
03/14/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	KY 40515	Web
I obtained a credit card through a company named first progress. It was a secured card that I initially put XXXX of my own money on. I only made a few purchase totaling XXXX something odd dollars. I begin to read how people were having issues making payments and they would be charged late fees, so I decided to cancel my account within a month of having the card. After a few hours I managed to get a hold of someone from customer service and he basically said that I wouldnt owe anything since it was a secured card with my own money on it. This was back in XXXX of 2021.fast forward to XXXX of 2021 I begin to notice that I was getting late fees affecting my credit rating. Turns out they were still charging me late fees for a card that I canceled. Now there saying that Ive accumulated XXXX dollars worth of late fee and that I didnt cancel my account until XXXX of 2021. Which is a flat out lie. I need help please I dont have any one else to turn to. They also keep updating on my credit report as if Im still using the card.
05/28/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	TX 75149	Web
To Whom It May Concern : Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains a late payment/payments reported on XXXX and XX/XX/2020 for my First Progress Credit Card account. I want you to know that I understand my financial obligations, and if it werent for the sudden outbreak of COVID-19, Id have an excellent repayment record. I made a mistake in falling behind, but since then, I haven't missed a payment. Since then, Ive had a spotless record of on-time payments. Im planning to apply for mortgage loan, and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payment/payments on XXXX and XX/XX/2020. Thank you for your consideration, and I hope youll approve my request. Best XXXX XXXX XXXX
07/31/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MS 390XX	Web	Older American
I had a loan on a CD that was a joint account with my son. I closed that account out and the bank insisted that I had to have him with me since both of was on the account secured by the loan. I noticed a few months later that the bank was still taking the payment out of my account. I went to close the account and asked for my money and they told me that my son had came back and borrowed the same amount of money which was XXXX against the CD and I asked how did they let him do that because when I tried to borrow against it I had to wait until he was available and we both had to sign. I also asked how he managed to borrow on a closed account. I finally got some of my money back but, the bank never refunded me all the payments that they took from my social security check. I asked them in good faith to remove it from my credit file because I never signed and when I got my loan on it they would not let me get it without him being present. The refused so I am asking your assistance in removing this from my credit file.
10/23/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Company closed your account	MD 21218	Web
On XX/XX/21 I mailed a billing error/ cease and desist notice to First Progress and their registered agent Synovus Bank ( with attention to XXXX XXXX the current CFO ). Inside this letter I stated that this is my written notice that I have discovered a billing error on my account pursuant to 12 cfr 1026.13. I also stated that I believed with this discovery that the First Progress is conducting misleading practices with deceptive forms pursuant to 15 usc 1692e. Knowing my rights as a consumer I requested all documentary evidence according to their journal and ledger entries described in IRS Pub. 583 and that if there is a surplus that the amount over be directed to me the consumer in the form of a check. To conclude I also informed first progress that I was aware that while disputing this error no adverse action should be taken pursuant to 12 cfr 1002.2 ( c ). On XX/XX/21 both letters were delivered. Then on XX/XX/21 I attempted to check my account via mobile site and noticed First Progress had closed my account.
09/13/2017	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	GA 30165	Web	Older American
On XX/XX/XXXX I wrote a check for {$160.00} to the XXXX XXXX ( Independent Agent for XXXX XXXX XXXX ) for a New Auto Insurance Policy. The Agent XXXX XXXX cashed this check but pocketed the cash and Did Not send Any money to XXXX XXXX XXXX On Wed. XX/XX/XXXX I left a message on my banker 's phone ( after hours ) about this Fraudulent activity. The next day ( XX/XX/XXXX ) XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX, Ga. ( Synovus ) ) called me. He had Researched this Situation and Informed me That XXXX XXXX had been arrested on multiple Fraud charges like mine. XXXX and the Bank had Proof Positive that I had Indeed been Defrauded and normally the Bank would Credit My Account for the {$160.00}. BUT ... since this is Now a Criminal Case the bank is NOT going to credit my account for Any money. They suggest that I go to the XXXX, Ga. Police Dept and register a Complaint if I want My {$160.00} Back. I Do n't Understand Why the Bank does n't give me MY Money back and go after the Criminal to get Their Money back???
10/04/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	FL 34293	Web
The credit bureaus refused to provide you their MOV ( Method of Verification ) for the XXXX XXXXXXXX XXXX Credit Card listed on my credit report according to FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) which states : if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of the information contacted in connection with such information, and the telephone number of such furnisher, if reasonably available. FCRA 611 ( a ) ( 7 ), which is used for such a request, states : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. They haven't provided any information at all showing the debt belongs to me no Contractual agreements or my wet signature showing me responsible for the debt or this account.
08/26/2017	Yes	Checking or savings account Checking account	Incorrect information on your report Information belongs to someone else	SC 29063	Web
I have been experiencing identity theft for the last year and a half. I have contacted the XXXX XXXX police department here in South Carolina and have submitted all documentation to all three credit bureau 's. Discharge on my credit as negative from XXXX Bank for over {$4000.00} is identity theft and fraud. My home was burglarized back in XXXX and they have everything for my birth certificate Social Security card credit cards checks from XXXX XXXX bank everything. They opened up bank accounts in my name credit cards to retain goods of a fraudulent nature. Changing in XXXX have been very understanding. XXXX has given me the hardest time, and look at me as if I 'm a criminal. I handed them a notearised police report as well as other documentation and they keep telling me that it 's my account after their investigation. However it is identity theft someone is pretending to be me I have freezes on all my credit reports and I 've submitted everything they needed to pull that off my credit but still they wo n't
03/12/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Account status incorrect	LA 70072	Web
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
04/01/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	LA 70810	Web
After I paid my bill due for XX/XX/2019. I called and the automated system said that I had {$9.00} in credit. A few days later when I called the credit was gone. I spoke with a representative and I was told that after my account was updated to show the credit. I was later given a late fee. The representative sad she would waive it. When I called again the automated system would not even give me any account information. When I spoke with a representative he said that he spoke with a supervisor that again approved the late fee waiver. And that I had {$6.00} in credit. When I called a few days later to check. Again the automated system would give no information. I spoke with another representative ( XX/XX/2019 ) that said I had {$5.00} in credit this time. And that my payment due was {$55.00} or there about. And that my payment sent that day would not post as late. However, when I went online to check none of that information was showing. It showed that my payment was {$73.00} and that I had no credit.
08/24/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Trouble using your card Can't use card to make purchases	SC 29229	Web
The current card expired on XX/XX/20 and First Progress never sent another card. They say they sent another one out over 3 weeks ago and I have yet to receive it. I called and they said they would send another one out but it takes up to 2 weeks. This card is secured card and they are holding my funds and I can not use them due to their incompetence. They are making interest on my money but I cant access in accordance within the user agreement. Then if I want to speak to a manager, they refuse and give ma a fax number to send my issue, The refuse to overnight a new card. When I said to close my account hey said it takes 10 weeks to receive the check, all the while they are making interest on MY money. If I want it sooner, I would have to request it by fax. Since past experience has shown they rarely follow through and do as they promise I do not expect them to do what they said. I have had it with them. I need those funds now as I am going through XXXX treatments and need that money for my care.
03/22/2016	Yes	Mortgage Other mortgage	Settlement process and costs	TN 374XX	Web	Older American
I purchased a building on XXXX XXXX in 2003. The property is deeded to me and I am a XXXX My son secured a line of credit using my property as collateral. He applied for the loan using his credit and income but used my property as collateral. He is a XXXX and the bank took the collateral without properly searching the title. I have a sales contract on the building and I am unable to close because XXXX Bank will not release the lien taken on my property. I have spoken to XXXX XXXX of XXXX XXXX and his supervisor. They keep stating they do not have a fraudulent loan. The loan made was not fraudulent however they allowed XXXX to pledge property as collateral which he has no ownership. The lien is invalid. XXXX XXXX will not give me any information about the loan and initially refused to speak to me because the loan is not in my name. Which is true and why they should not have taken my property as collateral. I am attaching the original deed to XXXX and the deed filed by XXXX Banking in XXXX name.
11/23/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Company closed your account	TX 75149	Web
To Whom It May Concern : Im writing this letter to express my gratitude as a long-time customer of First Progress Card and to discuss a concern regarding my account. Specifically, I would like to discuss an item posted to my credit report regarding this account and request that it be revised. My account with First Progress Card began in XX/XX/XXXX. Since that time, I have enjoyed excellent customer service and benefits and have been happy with First Progress Card. I have also been a customer in good standing since XX/XX/XXXX and paying my account in a timely manner. However, in XXXX XXXX and XXXX and XX/XX/XXXX. I fell on hard times due to being very ill as a result I became late in my payments. I wish that I was able to continue with payments in my normal manner during that time and regret that I wasnt able to do so. Following those personal emergencies, Ive worked hard to repair any damage done to my credit and personal financial life, and Im reaching out to you for support in that effort.
07/14/2023	Yes	Mortgage Conventional home mortgage	Trouble during payment process	FL 342XX	Web	Older American
My monthly mortgage payment is {$2000.00} due on the first. I pay it early every month on about the XXXX with an ACH, in the amount of {$3000.00} and almost every month they charge me a late fee of {$20.00}. I do this with XXXX other banks which are much smaller and they have no issues with it. This was last addressed by Synovus Bank in XXXX of 2022. Since then the have continued to do it and have not fixed the issues on their side and now own me {$140.00} through XXXX statement. I can send you copies of the statements where they repeatedly take the money in and out with not even the correct amounts and charge one or even two late fees. They have not responded to my phone calls since the XXXX correspondence. I have gone into the local branch and given them copies in XXXX and have not heard back from them either. I can't understand why this is hard for them to do or if they just don't want me to pay this down but I don't think it is done automatically as it looks like manual entries.
11/26/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 20721	Web	Servicemember
XX/XX/2018 was notified that my account needed further verification to sustain the fact that myself the the secured account holder was truly the person who posted money for a Secured credit card this after receipt of monies sent with all proper Id to open the account and use has been continues for over six months .I complied and sent what was requested that was driver license social security card and utility bill this was on XX/XX/2018 as well it was confirm progressive received via fax .No further response until received a letter indicating documents had not been received therefore the account is closed.I called spoke with the initial representative who saw documents had been received and kindly argued the case to her supervisor on my behalf, she had become flustered and directed me to speak with the supervisor who i though would see the error and correct it.He did not but informed me that i should have gotten a police report or disputed a bureau for something i had nothing to do with.
08/07/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	FL 336XX	Web	Servicemember
Account NameXXXX/XXXX/XXXX Account NumberXXXX Account TypeCredit card ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusAccount charged off. {$130.00} written off. {$130.00} past due as of XX/XX/XXXX. Status UpdatedXX/XX/XXXX Balance {$130.00} I have called the company and they have not sent me any information and I have disputed it 3 times on my report. This is not my account and I was a victim of identity theft and they never respond to letters or calls at all. I have even added a statement for them to know that they can call me and they have said they would delete it but it never has been. Personal Statements ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XX/XX/XXXX.
08/21/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 32137	Web
I was reviewing my credit and found that Synovus/XXXX on XXXX XXXX had reported a 60 day late payment to credit bureaus after calling and requesting a explanation. Found out that double payments had been made assuming that they would be credited to the following month. That was not case, at that point was ask if we could pay {$61.00} now and that they could put the account in forbearance until XX/XX/XXXX. After numerous calls disputing the late payments being reported to credit bureaus. Which we where never asked to paid during the conversation and told that everything was find until XXXX. We assumed that late payments reported to the credit bureaus would be removed. During one of my calls with the collections Supervisor I was that the late payments started in XXXX of XXXX but where not reported to credit bureaus until XXXX of XXXX I believe as part of the Fair Credit Act it must be reported 100 % accurately across all the credit bureaus it must be deleted. Please remove all payments.
12/11/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Trouble using your card Can't use card to make purchases	MS XXXXX	Web	Servicemember
I contacted first digital credit card they advised I cant used my card after paying it off in full by debit card they said if you paid it by debit card my funds would be released but the problem is they lied after paying my card they freeze it and said I needed to send a copy of my payment by mail they got my money instantly and they are charging me a participation fee monthly for a card I can not use and they freeze the card for 30 days I should not pay the participation fee when I do not have access to my account and if they are doing this to me they are doing this to thousands of their card members violating their own card holders agreement where you are paying for a participation fee and no access to your available credit I do not owe a dime on this card and have paid all late fees participation fees and enrollment fees they have a lot of fees they charge and still freeze the consumers card for 30 days when you do not owe them money but want to be paid a monthly participation fee
06/15/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	AL 35242	Web	Older American
I made a payment to my Synovus Bank Visa account on XX/XX/2020 using a check drawn on XXXX XXXX. The payment amount was for {$1500.00}. I have checked with XXXX XXXX on the phone as well as on-line that the payment was debited from my checking account on XX/XX/2020. I have given this information to the bank. I have the receipt in hand from XX/XX/2020. They refuse to give me provisional credit for the {$1500.00} even though I have provided all the required information. I should not have to wait 48 hours for credit when I have provided the documentation. They have messed me up financially at this point until they decide that I did make the payment. Synovus has said nothing about back dating the payment and crediting me with the payment as well as interest paid on the {$1500.00} for a complete billing cycle. If you need account numbers, copies of the receipt, copy of my XXXX statement let me know. I can't upload a copy of the receipt because I don't have the ability to scan at home.
03/29/2015	Yes	Credit card	Customer service / Customer relations	MD 21015	Web	Older American
Ordered a First Progress Credit and submitted {$500.00} as security in XX/XX/2014It took a many weeks for them to process the card. I never went over the credit limit set with my deposit of {$500.00} but they immediately started charging fees and interest on my money. I called to ask about this and was told that is their policy. I cancelled the card in XX/XX/2014. They continued to send me bills. I called again and sent them a letter in XX/XX/2014 to again try to cancel. They sent me a letter agreeing that they would cancel. They said I owed them Approximately {$60.00}, how I do n't know since it was my money. I reluctantly agreed and they said they would send me a final bill. It is now XXXX and I have called a number of times. They continue to send me bills adding on interest and charges even though account was closed. They are very unresponsive and I feel that this Company is scamming people. They are very untrustworthy and prey on people trying to reestablish their credit.
06/01/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	CT 06511	Web
I have made 2 attempts to pay my credit card on XX/XX/XXXX and XX/XX/XXXX, through the company 's app. weeks apart. In both occasions there were funds in my account even if it did take 3 business days to process, funds were there. I have received o notice on the app that both payments were being processed. Then I received a negative remark on my credit that I did not pay. When calling the bank, they stated there were no attempts. When I called first progress they disclosed that they had no control over the app at all which is false advertisement. I am trusting that this app should take the money out when reported to do so and report accurately to the credit bureaus. Making payments with this company is extremely hard and its a deformation of my character to say that I have not pain when in fact I have the receipts ( from the app ) that says otherwise. They are not taking the money out when they need too and processing time is too long, and they are lying on when they attempted.
10/17/2022	Yes	Credit card or prepaid card General-purpose prepaid card	Problem getting a card or closing an account Trouble getting, activating, or registering a card	TX 78717	Web
I'm trying to build credit and FirstProgress charged me for a credit application {$29.00}. They sent an email asking for me to upload documents on their site, but the site doesn't work. The phone number for help can not deal with applications at all, they have no ability to help. They said to post the info. I post the info and got no response. I called several more times and was told to just send more letters. I sent another letter and got no response. The application status page says " We are unable to provide you with additional information about your application at this time. Please contact XXXX if you need assistance. '' I've spoken with them and they cant help or do anything. At this point they have charged me {$29.00} for an application and are now ignoring all correspondents from me. They have stolen my money. Also the {$29.00} was to get a fast application. I already have a credit card with other people now as this prosess has been going on for weeks and weeks
01/29/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	FL 33825	Web
I had two late payment that reported on XX/XX/2020 for my First Progress accounts. The payment was about XXXX $ together. I want you to know that I understand, and have great respect for my financial obligations. Unfortunately, at the time of the incident mentioned above, I wasnt aware of the bill pay method with my bank, and with it being my first time ever using it. I did not realize I had to set it up electronically with my bank so my payment would process immediately. I paid the bill on the XX/XX/XXXX, but since I did not set it up electronically they mail out the check that did arrived after my payment date. I already handle the situation with the my personal bank by setting up my account for electronically for future payment. I reach out the first progress they told me its nothing they can do about the late payment posting to the credit bureau because its already posted but they could wave my late fees on the cards. I am trying to get a new car in this hurting my chances.
09/13/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30294	Web
I submitted a previous complaint in which the company responded as to what they found in comparison as to what is being reported on my CRAs. From the company, First Progress clearly the company has made some mistakes and inaccurate reporting to the credit agencies. In the response letter submitted it clearly states that the account found was opened in XXXX of XXXX and the opening date reported to the credit agencies states that the acct was opened XX/XX/XXXX, which is it? The company also states that a balance is still owed, if the opening date is inaccurate, then the amount is inaccurate as well. I have not received any documents requested from the company showing accurate records of any account. Please remove inaccurate and/or fraudulent information from my credit reports IMMEDIATELY as this is in clear contradiction of what is being stated and represented on my CRAs. It is also in violation of my FCRA rights and is adversely affecting my life and credit worthiness.
07/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 91763	Web
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
12/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	PA 19023	Web
On the date of XX/XX/XXXX, a letter was sent to me by First Progress Card in efforts for me to sign. I didn't get the letter though so the company closed my account. They never sent me any letters certified to my address on file and they did not send me any emails to close my account they did this without my permission. Also there are 5 diff late payments that I never had on my account I was not late at all not one time. The dates that are XXXX XXXX my credit reports are XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX if my account was closed with no balance how can I still get charged a late payment. Also there are two more dates XX/XX/XXXX, XX/XX/XXXX. I was not late any of these days and was not given proper time to evaluate this discrepancy. They also did not send my {$200.00} deposit back either they kept that and told me I had to send a correspondence letter stating all of this. The dates that my account was opened was XXXX and the date closed was XXXX as per XXXX records
04/14/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	TX 76140	Web
Have used bill pay to process payments on account for years. I made the mistake of not turning off a bill payment and a payment was sent for {$200.00} after I made a payment on their site for the same amount. Now my account has {$400.00} out on a credit card that my balance is only {$200.00}. I have spoken with several agents and no help was told should be available 24-48hrs. It's 72 hours now and I spoke with a manager XXXX that stated since payment was sent via check it has to hold 10 days. Advised him the manager XXXX stated if it was bill pay it should be available on the XXXX and no later than the XXXX. Of course XXXX isn't available to confirm what she stated. I asked supervisor XXXX to check previous bill payments all sent through my same bank all sent the same way and was available with 24hrs. No one can tell me why this bill payment is being held after over paying on a credit card! It wasn't sent via check it was sent via electronic as it always have been
07/16/2023	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Money was taken from your account on the wrong day or for the wrong amount	FL XXXXX	Web
On Saturday XX/XX/2023 XXXX dollars was taken out of my Synovus account without my authorization showing up as if a transaction happened at XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX when I had never visited that branch According to them after just using my card once in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX ATM someone was able to steal my information The withdrawal was not obvious to me at first since I usually turn off my cell phone on Saturdays but after filing a complaint with synovus they replaced the XXXX dollars XX/XX/2023 I received a call saying they were going to close my account I was never given an explanation as to why the address of their XXXX XXXX XXXX branch reflected on the withdrawal nor why they took measures to close the account they still owe me XXXX cents sent to my account after it was closed I contacted XXXX the branch manager weeks after and she denied being the manager and denied knowing anything about a check
03/16/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	OH 44111	Web
I once had an open account with FIrst Progress Credit Card Company which was a secured credit card. The account was closed XX/XX/XXXX. At the time that the account was closed there was not a balance owed from me to the credit card company. There was a {$0.00} balance which means the credit card company must refund me my deposit of {$400.00}. I reached out to the company and was told that I would get the refund by mail in 70 days to 10 weeks. That time came and went and I have not received my refund yet. I have reached out to the company several times through phone calls and I have even sent them a fax requesting the refund on XX/XX/XXXX. I called XX/XX/XXXX was told to call back in 1-2 days to see if the request was updated. I havent been able to speak with no one that can really help me resolve this issue. Today is XX/XX/XXXX and I still havent gotten my money back and I need some one to help me resolve this issue because clearly the company is playing games.
02/04/2023	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Other transaction problem	SC 29412	Web	Older American
On XXXX XXXX, 2023 at around XXXX EST I sent a wire for {$610.00} at my Synovous Branch in XXXX XXXX SC XXXX Branch # XXXX and User ID # XXXX ). The wire was being sent to XXXX XXXX XXXX in XXXX, GA. When filling out the wire order, the bank employee put the information for the receiving bank branch in the section for the " XXXX '' and omitted the details of the actually beneficiary other than the routing and account numbers. Due to this error, XXXX XXXX XXXX returned the wire and no information was included about the account holder 's name or contact information. This information was provided in writing to the bank employee. Furthermore, both Synovous and XXXX XXXX XXXX charged fees so that I lost {$81.00} and the wire was not sent. This error also caused me to incur a {$100.00} late fee for the payment I was making with this wire. XXXX XXXX XXXX only returned {$570.00} of the {$61000.00} amount, so in my opinion, both banks have acted inappropriately.
10/14/2015	Yes	Credit card	Late fee	AZ 85335	Web
I made an electronic check payment on XXXX XXXX, 2015 to First Progress for a secured Mastercard statement that was due on XXXX XXXX, 2015. I paid $ XXXX.This included a {$10.00} service fee for using customer service. The checking account that was used for payment was incorrectly inputted, with an erroneous " XXXX '' added at the end of it, which consequently resulted in the payment not going through. A week later, today XXXX XXXX, 2015, my card was declined at a XXXX. Upon contacting customer service, I was notified of this error. They refused to reverse any charges that occurred, including a {$38.00}, late fee, plus possible interest fees and returned check charges. I do not feel this is ethical on First Progress ' behalf. They at the very least owed me a phone call notifying me off this fact immediately, so that it could 've been rectified. I no longer wish to do business with them and request they reverse the late fees and any negative credit reporting.
06/05/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32905	Web
I received a statement in XXXX about an overdrawn account at Synovus bank. I never heard of the bank prior to this. I called them and they stated it was opened online. I made them aware I XXXX not open it and they told me they don't have a fraud department and that I would have to write them stating it wasn't me. I sent the email XX/XX/22 stating that it was fraudulently opened with my maiden name. I kept getting statements and then a collection company called and I informed them as well. I called the credit bureaus to see if it was on my credit and explained everything so if it does I can start the dispute. I got a notice a few weeks ago that it hit my credit report. I started the disputes and XXXX shows it as valid. I did not create this account. I want this off of my report please. How is it possible to open an account online without having to upload an ID or show any proof of identity? I'm working in my credit and this will set me back. Please help.
06/21/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Trouble using your card Can't use card to make purchases	FL 33064	Web
I applied for a secured credit card ... i was approved ... .but i can not make a payment to fund the account ... .the amount was for XXXX dollars, ... ..the company never answers the phone with a live operator ... .wont accept ach deposit to fund the account ... .wont accept payment from a debit or credit card ... ..and no way no shape can i fund it as to no fault of mine ... .now the credit card company is reporting this account on my credit report and soon its gon na show i m late but i m not they wont let me fund it no matter how many ways i try to get the account funded ... ... please help i dont wont a bad mark on my credit report cause the arent letting any make any payment be posted to open the account but the account says there is XXXX available to purchase but when i tried to use it, even though i havent funded because of them it says user not authorized.. dont know what that means and cant find out any thing from calling credit card company
02/08/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	FL 344XX	Web
THERE WAS AN ACCOUNT OPEN FRADULENT IN MY NAME I SENT ALL SUPPORTING DOCUMENTS TO HAVE THIS MATTER RESOLVE. I RECIEVED A LETTER FROM FIRST PROGRESS CARD AND A LETTER STATED THAT THEY DID An INVESTIGATION REGUARDING MY DISPUTE AND THE LETTER INFORMED ME THAT THIS MATTER IS RESOLVE IN MY FAVOR THERE WERE A CASE NUMBER # XXXX THAT WAS CREATED FROM THE COMPANY .AND THAT AN UPDATE WILL BE SENT TO THE CREDIT REPORTING AGENCIES AND An UPDATE TO REMOVE /UPDATE MY ACCOUNT TO ALL 3 CREDIT REPORTING AGENCIES. AS OF XXXX THIS COMPANY HAS REPORTING TWO OTHER ACCOUNTS ON MY CREDIT REPORT WHICH IS INACCURATE AND FRADULENT FROM THE COMPANY. I HAVE FILED ANOTHER DISPUTE XX/XX/. IM ALSO ATTACH COPIES OF MY CREDIT REORT WHICH IS SHOWING PROOF OF THE INACCURATE INFORMATION AND FRADULENT ON MY ACCOUNT. I THINK ITS UNFAIR TO TELL A CUSTOMER WHO IS A VICTIM OF IDENTITY THE MATTER WAS RESOLVE AND THE COMPANY GOES AND LIE AND STILL REPORT FRADLUENT ON MY CREDIT REPORTING.
08/19/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AZ 85226	Web
I received a call from a woman who claimed to be with XXXX XXXX XXXX. She was very rude and was unable to verify the debt. The agent was unable to provide me with any information, refused to mail me any information and refused to provide me with a mailing address for XXXX XXXX XXXX. The agent demanded i provide sensitive personal information like my full SSN even though she stated she already verified the account with the last 4 of my SSN. I got worried so i hung up and called the number back. I was connected with a male who stated he was able to verify my account. When i asked him about the debt i was informed it is from first progressive secured credit card. I have never heard of first progressive secured credit card, or of XXXX XXXX XXXX. i asked for documents to verify the debt and the individual told me they don't have the documents, they only have an amount and a name. I never signed up for any of this and it should be considered fraud
12/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Fraud or scam	WA 98029	Web
On XX/XX/XXXX I have applied for a Secured Credit Card with First Progress. Applications are only received online at https : //www.firstprogress.com. During my application process, I was asked for my debit card and authorized a deposit of {$2000.00} to be applied to my future First Progress secured credit card. While performing the online steps in this application, I got logged out. When trying to request the status of my application, nothing is shown in the browser. Customer service say that they can not find my application in their system and can not transfer to anyone that knows where my deposit is. Web application status check results in a blank screen... For two days I've been trying to solve this myself, but had no success. I didn't get any receipt or email confirmation for the deposit and the money is now gone from my debit card. Attached screenshot is of the charge on my account in total of XXXX MDL ( an equivalent of 2000 USD ).
08/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 34786	Web
To whom it may concern, My complaint is regarding my credit card account with First Progress Select. They are reporting a late payment for the month of XX/XX/2021. The payment was made on time in good faith per First Progress payment protocol. First Progress unlike most Card Issuers do not have a payment portal on their website. You are directed to pay the monthly bill through your banks bill payer service or other third party services. This is where the problem arises. Once I make the payment through my bill payer service I have no control from that point when the payment will be actually made. My bank mails the payment on some occasions. As a result of my bill payer service not routing the payment on time it has resulted in a late payment being reported in my credit report when the payment was initiated on time. Please provide whatever assistance you can with this matter. My credit score was reduced 15 points because of this issue.
02/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	OH 431XX	Web
On XX/XX/XXXX I was notified that my last credit payment through First Progress was marked as late I had set up the payment electronically through my bank and the estimated delivery was by the 9 at this point I perceived the payment to be paid to the crediter for some reason the credit company didn't cash the check until the XXXX of XXXX and stated that my banks payment delivery confirmation was not proof of payment and they required proof that they cashed the check before the XXXX I replied with so if my check was lost in the mail and it wasn't my fault I would still be hit with a negative mark on my credit report and they said the only proof allowed is proof that they cashed the check before the due date. I responded with what was to keep the company from receiving my check and waiting to cash it until after the due date to also charge me a late fee to which they were adamant that the only proof excepted was proof the check was cashed
09/27/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	CA 90220	Web
I am a victim of identity theft and Synovus/First Digital is reporting a fraudulent account on my XXXX credit file. I have not applied for any account with Synovus/First Digital, nor have I given consent for my personal information to be used to apply for any account. Ive made a written request for Synovus/First Digital to provide ALL information pertaining to this account including but not limited to Account applications made on paper, online, or by telephone. ( IP Addresses If applied for online ), Account Statements or Invoices, Records of payment or charge slips, Delivery addresses associated with the account Records of phone numbers used to activate or access the account, Signatures on applications and accounts, List of all purchases, dates, times, and locations, and the full Investigators report on this account. No information has been provided. This account is fraudulent and needs to be removed from my credit file immediately.
09/12/2021	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	GA 302XX	Web
I've had a business checking with Synovus Bank for several years. I had on line access to this account. A few months back I tried to log on to my account. I was told that my data was " Not available. '' That is, not until I signed up for a new service called " Synovus Gateway. '' While I DID NOT agree with the terms of service, I was held hostage by not being able to access my account data until I did agree. I was forced to agree to the new terms of service to be able to log into my account. UNDER DURESS I agreed to the new terms of service just so I could see my balance. This should be illegal! No contract is legal or valid if it's entered into under duress. Along with this 'New '' account came price increases for Wire Transfers. From {$45.00} to {$100.00}. I agreed to this increase only under duress and I think I should be refunded the difference between the old price and the new price which I was FORCED, UNDER DURESS, to agree to.
10/03/2017	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	AL 357XX	Web
My wife executed a mortgage and loan agreement with Synovus Bank in XXXX, Alabama on XXXX XXXX, XXXX. We had no problems with the local officers. However, subsequent to closing we have received contact from XXXX XXXX XXXX from the loan processing department in XXXX ( two emails to me ) and XXXX XXXX from XXXX XXXX XXXX XXXX ( one call to my wife today ). These emails and call state it is part of the post loan closing review. They keep asking about the house I included in my bankruptcy which my wife had absolutely nothing to do with. She was not on the note for that home. I provided them a copy of the note which clearly reflects this. Lastly, XXXX XXXX has bought the loan and they were my lender on the house included in the bankruptcy. I am continually being questioned about a loan that was included in bankruptcy and I think that violates the current credit law. The bottom line is that I would like for the harassment to stop.
04/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 61111	Web
In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. FSTPROGRESS Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
08/25/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30058	Web
FSTPROGRESS Credit Card opened on XX/XX/2017 showing a balance on my credit report of {$150.00}. This was a secured credit card with a secured high credit limit of {$200.00}, in which I could not go over that limit, the card would decline if any purchases were made over the {$200.00} credit limit or decline if the total was more than the balance of the {$200.00}. I also did not receive my secured deposit of {$200.00} back nor was it credited to my account. I previously disputed this account stating : ''This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and up date the balance to {$0.00} or delete the negative payment status on this account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account.
01/08/2020	Yes	Checking or savings account CD (Certificate of Deposit)	Managing an account Deposits or withdrawals	GA 318XX	Web	Older American, Servicemember
My wife and I bought {$10000.00} worth of IRAs from Columbus Bank and Trust Company ( CB & T ) from XXXX to XXXX in XXXX XXXX, Georgia. I have recently found them, the CDs, in my desk in my house as I forgot about them completely. CB & T was bought out by Synovus Bank. I have attempted to redeem the certificate of deposits to an individual retirement account from the bank along with all interest. I have spoken to branch bank, then to the main branch in XXXX, Georgia. The main branch in XXXX said they will talk to the main branch in XXXX to a historical section of the bank to find out about these CDs. I have spent 3 months trying to resolve this with the bank and have been unsuccessful. My daughter has spoken to the branch in XXXX numerous times and she was assured that a satisfactory solution would result. I have not received any funds or a reply from Synovus Bank about what happened to the CDs. My telephone number is XXXX.
02/26/2016	Yes	Credit card	Billing disputes	CA 90065	Web
I have a secured credit card through First Progress. I deposited {$400.00} with them so I have a credit limit of {$400.00} with a balance of {$340.00}. That means I had available balance of {$55.00}. I sent XXXX check on XXXX/XXXX/16 in the amount of {$50.00} then proceed to send a XXXX check in the amount of {$400.00} on XXXX/XXXX/16 to over pay my credit card. First Progress received the money for the XXXX check and took the money out of my account and posted it. That means I should have a negative balance of about - {$100.00}. They then proceed to tell me that I have an available balance of {$0.00}. They told me I have to wait 10 days to use my card again because I over paid it. My money is being held hostage and they take my money but will not allow me to use it. They are holding my funds while being in good standing and paying my credit balance before the due date while always paying more than the minimum every month.
05/08/2023	Yes	Checking or savings account Checking account	Problem caused by your funds being low Overdrafts and overdraft fees	GA 30117	Web	Older American
i have voiced complaints about this in the past and have been told repeatedly that they pay checks ion order that they're received & that they post deposits first. I contend that neither statement is true.I have witnessed the opposite numerous times on XX/XX/2023 i had insufficient funds, as a wire transfer deposit came a day later than expected. Checks were entered from the largest amount to the smallest, or in descending order of amount. Had ALL the smaller checks been deposited first, most would have cleared with NO SERVICE CHARGES, yet they put in the {$1700.00} check first, so they could charge {$250.00} in service charges!! Also they then did deposits last! I thought regulatory scrutiny had put an end to these usurious practices. It costs banks maybe {$2.00} per check on an overdraft, so that {$250.00} gross profit. Synovus Banks continue these fraudulent practices & there is no defense for these consumer practices.
11/08/2019	Yes	Checking or savings account Savings account	Managing an account Fee problem	FL 342XX	Web
I was charged a {$45.00} fee on Money Market Account with Synovus Bank for over the limit internal transfers to my Synovus Checking Account. The Money Market Account was originally a Savings Account that was switched to a Money Market Account because I was told I had an unlimited number of internal transfers I could do on the account. I was mislead with the information that was given to me. This is the first time I have ever incurred a fee on this account. I contact the Synovus Office in XXXX XXXX, FL office and explained to them that I was given misleading information and they would not refund the {$45.00} fee that I incurred. If I had known of the internal transaction limit I would have not exceeded it. I knew there was a check limit, which I have NO checks on this account but was told I had no limits on internal transfers to my Synovus Checking Account. This is deceptive and misleading to customers of Synovus Bank.
09/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OH 440XX	Web
1STPROGRESS/XXXX/ is reporting late payments on my consumer credit report. I am demanding that the late payments are removed and reported as exceptional payment history. I am a consumer as identified in FDCPA 15 USC 1692a ( 3 ) and I have a right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ). Pursuant to 15 USC 1681e - factual information must be excluded ; this is a violation. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full. 15 US Code 1681a ( 2 ) states that any consumer credit reporting may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates.
06/23/2015	Yes	Credit card	Late fee	CA 94089	Web
i ordered a secured credit card from first progress ( XXXX ) by depositing $ XXXX/-The card was issued but no bills were sent for the fees. I came to know of the fees only from my credit report as the credit card company reported for late payment. i sent a check to them as their website do not work most of the time. i was paying under protest but they never encashed the check. so that i can call them and they can charge extra. in the end i ended up paying for fees/late charges and XXXX negative on my credit reports without ever having used the card. till date have paid more than {$100.00} in fees. the purpose to build the credit failed as they are totally un cooperative. i recently learnt it is illegal to charge late fees and report me to credit reporting agency as per fcra rules for fees. there is something wrong in not using a credit card and have to suffer late fees and have my credit ruined at the same time.
08/13/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 92584	Web
My identity was stolen and I noticed back in XXXX I obtained a police report when I started noticing fraudulent accounts on my credit report synovis being one of them. I obtained a police report on XXXX and submitted it directly to synovis because they kept saying the debt was mine even though the address they had was not my address or any of the info they had was mine. The only info they had was my social security. After I disputed with the credit bureaus for months it was wiped from my credit report and the debt was removed. Now synovis has sold this deb to XXXX and they are sending me harassing text and emails multiple times daily to pay and this so showing up on my credit report again under collections as of XX/XX/XXXX and impacting my credit score once again. I want to report this fraudulent information. I want this removed from my credit report. I want this company to stop harassing me and I want this fixed
07/05/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	NY 11206	Web
ive spoken with this company about learning my report day because I was wondering why they reported a high balance I was told make a payment on XX/XX/23 because they report on XX/XX/23 and I made my payment on XX/XX/23 for XX/XX/23 as I was told the XXXX is my reporting day. today which is the XXXX on XXXX I see the same high balance reported to my credit I called about on the XXXX and now is being toldbthat my report day was the XXXX and all they can say is sorry and wait 30 days for a new report. this is giving me a life hardship on my goals and leveling up my credit ive been a responsible consumer this company I hold me back with my credit and lie journey with there lies under 15 U.S.C 1611 - criminal liability for willful and knowingly violation I was lied to by this company while they prayed on my finances to get a payment out of me and currently being penalized by my credit bureaus for having a high balance.
10/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 32765	Web
I have reached out several times with written correspondence regarding this matter. The information being reported is totally incorrect and a resolutionhas not been provided after months of trying to work with XXXX and XXXX, XXXX XXXX XXXX. First and foremost the open date is incorrect. XXXX is also reporting that this card had a {$0.00} limit and is saying a payment was made XX/XX/XXXX, while XXXX and XXXX are reporting a payment was made XX/XX/XXXX. I have asked for this information to be verified with no verification. What is most dishearteningis XXXX has no payment history, and XXXX has the account Charged Off since XXXX of XXXX, while XXXX is reporting the account was charged off XXXX of XXXX and then marked " ok '' from XXXX of XXXX Until XXXX of XXXX! It should be very clear this is being reported INACCURATELY. This account has also not been marked as disputed per Section 623 ( a ) ( 3 ) of the FCRA
12/01/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	FL 34472	Web	Older American
XX/XX/22 thru XX/XX/22 charges were made outside my home area/county, mostly for gas/fast foods. There were 20 different charges made, totaling {$810.00}, even though my credit limit was {$700.00} ( on a secured credit card ) I started an investigation with the credit card company, they claim I am responsible, even tho the card was in my sole possession at the time, securely locked away. one of the charges was made in XXXX XXXX, which I have never visited.I have called many times, with no positive response, and have sent several ( 8 ) letters, complaining of the charges, intrest and payment demands. I have made minimum payments all along, as suggested by cust service at the company. I have filed police reports in 2 counties here in Florida. I am a senior on a fixed income, have recieved no help at all from First Progress Bank, and been made to feel like I was not important enough to even answer my letters
05/04/2017	Yes	Checking or savings account Checking account	Closing an account Company closed your account	FL 333XX	Web
After having a substantial relationship with XXXX XXXX XXXX , I got a notice they have decided to close my account and gave me no reason whatsoever. I had one issue with a wire transfer which was refused and caused an issue on my account, while I was traveling for a family emergency. The signer on my account had his account effected and him being on my account effected my relationship Upon fixing the issue, I was told my accounts were to be closed including all of my lines of credit, business accounts and personal accounts. I am an ideal client and maintain substantial balances in the accounts and own and operate recognizable businesses. There was no reason whatsoever my accounts were closed. I had issues which were addressed and fixed the moment they were brought to my attention. I want to have my relationship back as this is the only bank which operates in all the states we do business.
02/07/2017	Yes	Credit card	Customer service / Customer relations	FL 335XX	Web
I applied for a secured credit card in XX/XX/XXXX First Progress Mastercard. I was approved and they have a program where a consumer can expedite recieving their card and fund the card within 90 days of receiving the card ... for a cost of {$29.00}, which i paid. The only thing i have received are emails and text messages letting me know that my time limit to fund is about to end. It is XX/XX/2017 and i have yet to see a card, i called First Progress and spoke to a customer service representative named XXXX, whose only concern seemed to be me giving them money to fund, before the time limit ends on XX/XX/2017, a card whch i have not received. I told him that i would not be funding anything and that i would filing complaints with the better business bureau. A friend told me of this agency so i decided to file a cpmplaint hete as well. In my opinion, this company is ripping people off and committing fraud.
12/14/2022	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was paid	FL 32034	Web	Older American
Synovus bank will not release the lien on my home. I have tried to get a refinance to have a new, much needed, septic system installed. Synovus is blocking the process and they say they have the right to keep the lien on my home even though I have been released of the debt when they accepted my settlement offer on XX/XX/2016 in the XXXX XXXX of XXXX XXXX Florida. Case # XXXX. They settled with me then went after my ex-husband and his properties. My ex-husband is currently paying them a monthly payment and they have liens and suits against him for this debt. I am on XXXX XXXX XXXX XXXX XXXX and work part time. A septic system is about XXXX in this area. My current septic is very old and is no longer working properly. I have a lot of equity and its my only option in paying for a new system. Synovus needs to release my lien and be happy with the liens and suits they have as collateral from my ex-husband.
10/27/2023	Yes	Credit card General-purpose credit card or charge card	Problem when making payments Problem during payment process	MD 20748	Web	Older American
In XX/XX/XXXX I requested a credit limit increase at that time I was told to have my limit increased from {$200.00} to XXXX I needed to send in {$200.00} on XX/XX/XXXX and on XX/XX/XXXX I purchased both money orders totaling {$200.00} both money orders were sent to FIRST PROGRESS ON THE SAME DAY, after several calls FIRST PROGRESS I CONTACTED XXXX XXXX WHERE THE MONEY ORDERS WERE DRAWN ON, THIS IS WHEN I WAS TOLD BY THE REPRESENTATIVE FROM XXXX XXXX THAT BOTH MONEY ORDERS WAS CASHED ON WEDNESDAY XX/XX/XXXX After I received the information from XXXX XXXX I CONTACTED FIRST PROGRESS, THIS WAS WHEN I WAS TOLD THAT THEY HAVE NOT RECEIVED THE MONEY ORDERS, I HAVE SENT ALL OF THE DOCUMENTS THAT I RECEIVED FROM XXXX XXXX TO FIRST PROGRESS.as of this date FIRST PROGRESS IS STILL STATING THAT THEY HAVE NOT RECEIVED THE MONEY ORDERS THAT I SENT TO THEM THIS IS ALSO AFTER I HAVE SENT THEM THE PROOF FROM XXXX XXXX.
02/17/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	GA 30228	Web
In XX/XX/XXXX a collection from 1st progress/XXXX XXXX appeared on my credit report dated XX/XX/XXXX. I disputed the item because I had no knowledge of the account. The account was then updated to paid/closed. Last year XXXX and 1st Progress started to report the account as delinquent and each month since then the account is reporting charge-offs even though the account says paid/closed. I tried to dispute the account again as it is almost 8 years old, but XXXX will not allow me to stating it was disputed in XX/XX/XXXX. They have now updated the account to show 64-charge-offs since XX/XX/XXXX and it has drastically reduced my credit. I went from a good score to poor because of this account. I have no way of disputing it and the account is well past the time allowed to remain on my credit profile. XXXX is the only credit report showing this unknown debt and each month reports it as a past-due payment.
09/20/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	SC 29223	Web
INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX INQUIRY XXXX. XXXX XXXX XXXX : XXXX ; XXXX INQUIRY XXXX. XXXX XXXX : XXXX INQUIRY XXXX. XXXX XXXX XXXX : XXXX ; XXXX ; XXXX ; XXXX INQUIRY XXXX. XXXX : XXXX INQUIRY XXXX. XXXX XXXX : XXXX XXXX. XXXX XXXX XXXX : XXXX XXXX. XXXX XXXX XXXX : XXXX INQUIRY XXXX. XXXX : XXXX INQUIRY XXXX. XXXX XXXX : XXXX INQUIRY XXXX. XXXX : XXXX INQUIRY XXXX. XXXX XXXX : XXXX XXXX. XXXX : XXXX INQUIRY XXXX. XXXXXXXX XXXX XXXX XXXX : XXXX COLLECTIONS XXXX. XXXX XXXX {$1400.00} - NO KNOWLEDGE OF ACCOUNT - ATTEMPTED DISPUTE 2. XXXX XXXX {$0.00} - NO KNOWLEDGE OF ACCOUNT - ATTEMPTED DISPUTE XXXX. XXXX XXXX {$0.00} - NO KNOWLEDGE OF ACCOUNT - ATTEMPTED DISPUTE XXXX XXXX XXXX {$0.00} - NO KNOWLEDGE OF ACCOUNT - ATTEMPTED DISPUTE XXXX. XXXX XXXX XXXX {$870.00} - NO KNOWLEDGE OF ACCOUNT - ATTEMPTED DISPUTE XXXX. XXXX XXXX {$210.00} - NO KNOWLEDGE OF ACCOUNT - ATTEMPTED DISPUTE
03/30/2023	Yes	Credit card or prepaid card General-purpose prepaid card	Problem getting a card or closing an account Trouble closing card	IL 60619	Web
I sent in a total of XXXX dollars to XXXX XXXX XXXX XXXX, better known as First Progress Credit Company. I sent in the XXXX dollars about two years ago to get my credit resestablished for a secured Credit Card to XXXX XXXX XXXX XXXX. I just recently closed my account with XXXX First Progress Company on XX/XX/2023. I faxed my letter to close my account and give me my XXXX dollars back on XX/XX/2023. I have called the customer service number every week since XX/XX/2023 asking to have my money to be expedited to be sent to me and as of today, I have no REFUND OF MY MONEY. EVERY TIME I CALL THE CUSTOMER SERVICE DEPARTMENT THEY JERK ME AROUND AND LIE TO ME!! AS TO WHEN I WILL RECEIVE MY MONEYBACK. I am tired of the dishonesty and the lying to me the consumer. I need my money back AS SOON AS POSSIBLE, this is a total FRAUDULENT COMPANY HOLDING ON TO MY MONEY. I watnt this rectified AS SOON AS POSSIBLE!!
08/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NJ 07002	Web
Several disputes have been submitted to the credit bureaus but no resolve for items : XXXX XXXX Account # XXXX the accounts were opened in XX/XX/2016 should have fallen off by now, it is beyond the 7 years according to the FRCA 5. Credit bureaus must delete outdated information after certain periods of time. The FCRA specifies how long credit bureaus can keep certain types of information on your credit reports. Negative information generally must be removed after 7 years. XXXX XXXX Acct # XXXX - Opened XXXX..it is beyond the 7 years according to the FRCA 5. Credit bureaus must delete outdated information after certain periods of time. The FCRA specifies how long credit bureaus can keep certain types of information on your credit reports. Negative information generally must be removed after 7 years. XXXX XXXX - Acct # XXXX- Account is paid in full and still showing late on my credit report.
08/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NV 89120	Web
In accordance with the Fair Credit Reporting Act XXXX Accounts XXXX XXXX XXXX XXXX $ XXXX DISPUTED XXXX XXXX XXXX XXXX XXXX $ XXXX DISPUTED XXXX XXXX XXXX XXXX XXXX $ XXXX DISPUTED XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX $ XXXX DISPUTED XXXX XXXX XXXX XX/XX/XXXX, XXXX $ XXXX DISPUTED XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX $ XXXX DISPUTED XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX {$720.00} / DISPUTED XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX $ XXXX DISPUTED XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX DISPUTED XXXX XXXX XX/XX/XXXX, XXXX $ XXXX DISPUTED XXXX XXXX/ XXXX XXXX $ XXXX DISPUTED XXXX XXXX XXXX XXXX PAID has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
11/08/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	PA 152XX	Web
I went through a hard time in my life, I had my auntie pass away unexpectedly from XXXX so naturally, I was spending the bulk of my money on my family. I left the payments lapse on this account with First Progress but, when I was able I paid the card off in full. I have repeatedly called them and sent numerous goodwill letters to try to get to update the late payment history on this card because it affects my chances of getting jobs or even a home. And honestly if it's easier why not just delete it the account is paid. They consistently tell me that it's not up to them, the bureaus have to do this on there own. They don't have much empathy either, just take the money and were not helping you. The First Progress Card has been paid, I would like them to update the payment history or just remove the card please so my score can increase and I can move forward with helping my family properly.
05/09/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 94706	Web
After a dispute, XXXX XXXX XXXX verified incorrect information on my XXXX Credit Report. In XX/XX/XXXX I first became delinquent on my XXXX XXXX Credit Card. The account was charged off in XX/XX/XXXX. Up until XX/XX/XXXX the account had the correct payment history and charge off date of XX/XX/XXXX reported on XXXX. I paid the account in full ( {$140.00} ) on XX/XX/XXXX. The next month, XX/XX/XXXX, my XXXX showed that my XXXX XXXX Credit Card was charged off on XX/XX/XXXX. They reported the charge off again on XX/XX/XXXX. This information was false so I disputed it on both my XXXX report. The company then verified the false information and the dispute was closed. I wrote and called XXXX XXXX to try to get this false information corrected. I have received no response. I spoke with the credit reporting agencies and they said there was nothing I could do other than file a complaint.
03/14/2019	Yes	Money transfer, virtual currency, or money service Check cashing service	Confusing or missing disclosures	XXXXX	Web	Servicemember
On two separate occassions with XXXX XXXX XXXX XXXX as well as XXXX XXXX XXXX XXXX, I tendered two separate U.S Dollar Checks, the FORGE INSTRUMENT which CLEARED and funds where then debited! After my Case Application as filed before the Company as you already know, I was advised IF I WILL PROVIDE, I provided for THAT to the Company, through XXXX XXXX, and much more to do with the essence underwhere I am moving in for my pay relatively, but on 2 occassions, the Synovus Bank, through XXXX XXXX, have informed me that Funds are unavailable ( approximately XXXX U.S Dollars ) to clear my check tendered to XXXX XXXX XXXX vide XXXX XXXX. The case is well known and the Treasury disbursed the Funds, and the FORGE Instrument is the SOME instrument that was availed for me to be able to get my payments, but the Bank, Synovus Bank, through XXXX XXXX is advising me that FUNDS are unavailable!
11/20/2018	Yes	Checking or savings account Checking account	Managing an account Banking errors	FL 33629	Web
This is going back several years when I opened this account. I never knew the effect this has had on my credit until my new employer brought this up to me. I opened up a new checking account several years ago and they issues me a temp debt card. I had been using the card until my new card came in the mail along with my new checks. I noticed that my last name was wrong on my checks and my card. I went into the branch to address this situation with the girl that opened my account. However she was no longer with the branch. I explained to the teller what happened however she wouldn't look into the acct because the name on my license didn't match the checks or card : ( It shows on the credit report that there is a {$610.00} balance. Not sure how this is possible with a debt card. I FILED A POLICE REPORT PER MY NEW EMPLOYER The account # that shows on credit is XXXX PLEASE HELP ME
12/02/2015	Yes	Prepaid card General purpose card	Fees	FL 33145	Web
First progress ( FP ) a prepaid credit card company recently rolled out a new paperless billing option. Once I enrolled, I did not receive an email statement for the billing cycle for that month ( i did not realize this at the time ). The following month I received a paperless statement indicating my payment for the previous month ( the month I had enrolled ) was not received. I checked my email and spam and realized the FP had not sent me an electronic statement for the month I had enrolled. I wrote to them explained how they missed sending me the electronic statement for the month I had enrolled but they shrugged it off by writing me a letter that stated that my complaint was " frivolous or irrelevant under the regulation V fair credit reporting. I selected this prepaid to better my credit and this late payment will effect my credit negatively. I hope this can be corrected.
08/07/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	FL 33781	Web
First Progress Credit Card has stole XXXX in forms of payments from my account and refuse to reimburse the money. I called their customer service and I was told that Mr. XXXX XXXX review my account and found the payments on the statements. I have all the statements printed out from the open of the account to close. The payments are not shown anywhere. I also requested a copy of the front and back of all the check ever cashed by First Progress and have them available for review. This is a prepaid card and not a credit card therefore all the money there was mine to begging with so but those payments been missing I consider this stealing. I have all the files ready for upload when needed. I also was sick from XXXX when all this took place and was not able to work so this had a huge impact on my daily life. Even right now is taking me time and money to try to get this resolved.
08/28/2017	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	MO 63135	Web
First Progress Platinum Credit Card states I have a balance of {$250.00}. The Credit Card I have is a Secured Card with a Cash Balance of {$300.00} To Secure the Credit Card. First Progress never made a refund of the {$300.00} Cash I paid to Secure the Card. There for I should have a Refund of {$46.00} returned to me with a XXXX Balance. First Progress kept the {$300.00} and reported to all Credit Agencies that I owe them outstanding Balance of {$250.00} but they forgot to State they Kept My {$300.00} I paid in the Beginning to open the Account. I want an Investigation into the Fraud they have committed in keeping My {$300.00} I already paid them. In Conclusion I want them to report to all 3 Credit Agencies I have A XXXX Balance and a Refund of {$46.00} Owed Me. Waiting for a reply, XXXX XXXX XXXX Account Number Credit Card : XXXX expiration XX/XX/XXXX ( XXXX )
04/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MA 02128	Web
I have had an account with First Progress since XX/XX/XXXX. I noticed incorrect information and billing errors on my Consumer Report from First Progress. XX/XX/XXXX, I sent a letter and Truth of Affidavit to First Progress, requesting proof of all 12 late payments they have reported on my consumer report and I requested a credit limit extension .They have removed 8 late payments, then closed my account XX/XX/XXXX after sending a payment the previous month. After First Progress closed the account in my name and Consumer Information, I received another bill in the mail for XX/XX/XXXX ( a clear Billing Error ). I have mailed First Progress a letter stating that there are multiple Billing Errors on my Account and accounts should not be closed during investigations. This violates 15 U.S. Code 1666. This has caused hard to my Consumer Report and continues to cause harm.
02/23/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments You never received your bill or did not know a payment was due	MN 554XX	Web
XXXX credit card companies have refused to take a payment telling me they would call me back in XXXX to XXXX business days. I asked them why they could not take a payment she said, '' she was not authorized to take any money ''. I believe they are letting it go further so they can sell the debt to an Attorney or write it off. I never in my life have had any one tell me I could not pay a debt! One credit card company is total XXXX the other one is XXXX XXXX XXXX. They post payments late are they do not accurately keep tabs on your payments so you are going to accrue late fees and over limit fees I don't know how this can be legal and why they are not policed better. Please check into this and stick up for the hard-working blue-collar people who try to make their payments on time and get screwed over by credit companies that aren't regulated well. Thank you very much, XXXX
03/26/2021	Yes	Checking or savings account Checking account	Managing an account Banking errors	GA 30016	Web
My name is XXXX XXXX and I am writing on behalf of XXXX 's XXXX XXXX. Synovus Bank 's staff have made a serious of errors costing us {$670.00}. Two months ago we filed a dispute with Synovus for inventory not received from XXXX for {$670.00}. We updated our number with Synovus last month from XXXX to XXXX, but today their dispute department 's manager claims they did not update it as we had asked! Their dispute staff closed this case against us claiming they could not reach us on the number we had changed! On the phone their staff claims there was a letter sent to us as well, but again we did not receive any letter asking for more information on the case even though I confirmed our mailing address with them! They are now refusing to reopen the case or recredit us because of their staff 's mistake hurting us greatly and leaving our account at negative {$200.00}.
04/08/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	NE 681XX	Web
I have XXXX XXXX credit card with a {$200.00} limit i used XXXX leaving me with a balance of XXXX when my bill was due I accidentally sent XXXX instead of the XXXX that was due. They received the payment but still said I owed XXXX dollars and i also paid the XXXX and my available balance went from XXXX to XXXX for no reason at all. I tried to call I was on hold for 2 hours and no one ever answered and there is no online help. XXXX is the website there very little contact information and no direct phone line. They are on my credit report showing I've only made the initial deposit. I've given a total of {$430.00} including the {$200.00} deposit at this point I just want my money back and to close the account but I can't get a representative on the phone. I also moved and could not update my info on the website as it saved my address wrong in the system after I applied.
03/11/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to sue you for very old debt	NY 10040	Web	Older American
Re : XXXX XXXX I received a letter trying to collect a debt way past the statute of limitations in both New York State and Federal law. 1. Their letter, attached, has a default date of XX/XX/XXXX. 2. The letter indicates a judgement has been entered in an unspecified court on XX/XX/XXXX. 3. I think the original debt was a payday loan. 4. I was never served with legal papers of any kind or notified a judgement was entered in this ( unspecified ) court. 5. I sent them what follows by email : " You are in violation of both New York State and Federal law. The statue of limitations has long since expired and I have filed a complaint with the CFPB. DO NOT CONTACT ME AGAIN. '' XXXX XXXX has consistently filed these reports on my credit reports from all 3 bureaus even though they are way past the original default date. Instead, they use the date they bought the debt.
01/05/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	FL 33322	Web
I received a bill for {$40.00} due XX/XX/XXXX. The payment was made by my bank ( via autopay ) on XX/XX/XXXX. The payment has not been posted to my credit card account and {$51.00} ( {$40.00} + past due amount {$11.00} ) is showing for next payment due on XX/XX/XXXX. This company is not set up to receive phone payments or online payments. You are directed to make payments via bill payment with your bank. It seems this puts the consumer at a disadvantaged for this bank to benefit from late fees charged on untimely posting of a consumer payment. It's impossible to reach them by phone. You are directed on their website to contact them via mail. Please investigate their practices concerning fees and posting of payment. Thanks for your help in this important. I do not want this incident to adversely affect my credit with the bureau. Especially, in the midst of a pandemic.
09/25/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	MS 389XX	Web
Dear CFPB, I have a Secured Credit line with, First Progress Card XXXX XXXX XXXX XXXX XXXX, TN XXXX First Progress has currently charged me a {$29.00} late fee for a check they arbitrarily cashed after the due date. The check was dated and sent well before the due date, which was held by First Progress after the corresponding due date, resulting in a late fee. I contacted my bank XXXX XXXX, and had a Good Will / Good Faith Letter sent to First Progress. I also had a conference call with my bank and First Progress where my bank verified the check 's date was dated and sent before the due date, which they refused to honor. My bank has refunded me the XXXX dollars late fee payment, but I would like to go further with seeking action against First Progress, by not complying to United States Regulations. My Bank is... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX
02/23/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	MI 48091	Web
I recently tried to pay off {$300.00} on my First Progress secured card and sent a check through my bank to their PO box for the amount of {$300.00}. After they received the check they only put {$100.00} on my account. I was told to confirm with the bank and provide a copy of my bank statement then fax the statement in. I spoke with my bank and they said that the check was sent for {$300.00} and was received by First Progress for {$300.00} and that the full amount has for certain been subtracted from my checking account. I then called First Progress after providing the statement and informing them what my bank had told me. After a week of troubles trying to resolve this I still am missing the {$200.00} and First Progress has been no help to me and has refused to fix this issue and keeps asking for different types of information every time I talk to a representative.
04/21/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	MS 39208	Web
I received an offer from Synovus XXXX XXXX with a credit limit of XXXX after reading more on this card issuer I immediately canceled without ever having used or activated the card. ( the offer stated that I could cancel within 30 days if I had not used the card ). I recently checked my credit report and find that they report that I opened the account in XX/XX/2021 ; was then 30 days past due in XXXX and charged off by XXXX. First I can not be 30 days past due one month after an account has been opened. Neither can I be past due on a card thats never be used or activated. And then from open to close in 60 days they charge off an account that never had a balance to charge off. Ive requested they remove this information and they refused. This information is misleading to say the least and very damaging to a credit report, not only that it is fraudulent information.
02/03/2017	Yes	Credit card	Closing/Cancelling account	CA 95765	Web
In XXXX of XXXX I closed my credit card account with First Progress. It was a credit card account which required an initial deposit of {$300.00}. At the time of closure I had a zero balance. I called customer service and confirmed that the balance was XXXX, requested to close the account, and I verbally requested an immediate refund of the initial deposit amount of {$300.00}. The customer service person stated that I would have to fax over a written request for the deposit money to be returned immediately. I faxed over a written request for the immediate return of the initial deposit money. I received confirmation from First Progress on XXXX/XXXX/XXXX indicating that they had closed my account as requested. Greater than eight weeks have passed and to date XXXX/XXXX/XXXX No refund of my deposit has been issued. I am requesting that my refund be issued immediately.
03/26/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	IL 60302	Web
Opened a secured credit card online and found out they do not accept online payments, only over the phone with a {$10.00} charge. Cancelled the card prior to the card even arriving. The rep refused to give me my account number when I tried to close the account. The account was opened and I hadn't received the information yet, but was opened and reported on my credit. The rep said I didnt need to mail anything back or in. The company said it would take 10 weeks to receive my deposit back but couldnt tell me what account number was closed and collected an annual fee from my cancellation ( which was fine, but was unable to advise the account the fees were being taken from ). I asked to he transferred to a supervisor and she refused to transfer me or give my information to me. Call : XXXX XXXX cst With : XXXX XXXX XXXX Customer Service Rep, XXXX XXXX XXXX : XXXX )
05/06/2016	Yes	Credit card	Delinquent account	DE 197XX	Web
At one point I had troubled credit. I applied for a First Progress secure card. I started out with a {$300.00} limit due to that being the amount of my deposit. I fell on hard times and was not able to continue to pay. I stopped paying the card in which I assumed the deposit would be used to satisfy the debit and account would be closed. Now they are report the account as charged off due to late fees that accrued on the account for XXXX months. In addition, with the item being charged off they are reporting the items as currently delinquent. My problems are below 1. How can a company report something past due each month if the account is charged off 2. How can a company over draw a secure account with fees if the usage of the account never let me overdraw the account? 3. The company was not able to reproduce my original application to show validity of account.
02/17/2016	Yes	Credit card	Customer service / Customer relations	FL 33193	Web
I have a credit card with First Progress Card for more than 2 years, a few weeks ago they called to inform that for security reasons my card was cancelled and no more information was granted, after waiting for 2 weeks ( because they do n't have a rush process like most of the credit Cards ) I received my new card. For my surprise they cancel my online account where I had all my previous statements, I called customer services where I was advised that all my data were erased, I spoke to the supervise who confirmed all my data was erased. I wrote a letter to First Progress Card asking for my previous statements, because I understand that since they decided to stop sending paper statements they should provide me online access to my statements. I have no answer for my letter yet. I need my statements in order to find some medical expenses to file my tax return.
05/12/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to sue you for very old debt	NY 10040	Web	Older American
This is the 4th time I have tried to have the CFPB intervene on this 20 year old debt ( although I have never had an account with the bank mentioned in their letters ). They operate under multiple names but continue to pass it from one to another but it's clearly the same debt. I have asked them to STOP CONTACTING ME FOR ANY REASON so they simply contact me under a different collection agency name. I've attached 2 letters, sent under 2 separate collection agency names, the first dated XX/XX/2023, the 2nd XX/XX/2023, for a debt that is now 20 years old! The federal statue of limitations prevents any attempt to collect a debt anywhere near this old. In the event ANY of their agencies contacts me again, I have 4 other people who will join with me in a class action lawsuit to seek both a seek and desist order and any punitive damages the court will award.
05/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33311	Web
On XX/XX/2023 I received a strange call about winning the lottery and a free credit card. The person on the other line told me that they will give me a free cruise ship.I denied the request and ask the person how did you receive my information. The person stated to me that they notice on my consumer report I had no credit and I will be a perfect fit for the cruise ship rewards. I hung up the phone and called my local police and notified them of the weird call and scam. The dispatcher of the local police notified me to call all the consumers reporting agencies and notified them of the scam. I also checked XXXX, XXXX, and XXXX consumer reports and noticed many false inquiries that I never did. I even notice addresses and a fraudulent account as well. I even contacted the fraudulent dept of these reporting agencies still no one contacted me back 120 days later.
11/14/2017	Yes	Credit card or prepaid card General-purpose credit card or charge card	Trouble using your card Can't use card to make purchases	NV 89145	Web
First Off, I have a secured card limit of {$350.00} The invoice read due, {$370.00} At the beginning of XX/XX/XXXX. I maid a ACH payment of {$360.00} to the card The next two business days, the payment was reflected on my account and I had a XXXX balance. I had available credit of {$330.00} and change. Two days later, my bank had sent them a check draft for {$370.00}. After they received this additional payment, they put a hold on my existing available credit pending the 10 day hold release from my over payment. When I asked them why they did this, they stated that when a customer make two payments, their account is immediately put on hold until the funds were cleared. When I asked for those additional funds to be placed in my secured savings deposit, they said they could not do that and that I would need to send that money to another address. INSANITY.
11/14/2019	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	GA 31405	Web
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. First Progress bank Account number XXXX unverifiable account
12/06/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	TN 380XX	Web
First Progress Card is sharing my nonpublic personal information with nonaffiliated third parties XXXX, XXXX, & XXXX. First Progress Card does not have my consent to have and share my private personal information. Then, the information that they are reporting is inaccurate and false. They are reporting an open date of XX/XX/XXXX and over 120 days of inaccurate late payments since this date. It states that the Alleged debt and Account number XXXX belongs to a XXXX XXXX. The amount is {$120.00}. This debt does not belong to me. I contacted them via phone in XX/XX/XXXX but the debt is still being reported. They are violating my right to privacy as a consumer, reporting inaccurate, false, damaging information to the consumer reporting agencies. They are in violation of multiple federal laws. Please delete and block this inaccuracy within 4 business days.
09/19/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	GA 30312	Web
Synovus Bank Mortgage I have a 30 yr fixed mortgage. I have an escrow that pays only for property tax. My issue is the escrow account transparency and audit request. Last year my mortgage payment was {$2100.00}. Beginning of the year it is {$3600.00}. Past month was {$3200.00}. Now this upcoming is {$3700.00}. My principal is {$650.00}. Interest is {$1200.00} and my property tax this year ( $ XXXX = $ XXXX ). So my monthly payment should be {$2300.00}. But its not. My property tax year 2021 was {$7000.00}. My escrow account to date paid is {$15000.00}. They even request a {$1500.00} underage payment to my escrow that I paid. I have communicated to the lead for Synovus mortgage over past two weeks and no resolution. I have tried emailing the CEO XXXX XXXX today for response. Please help me resolve the escrow mess. Thank you. XXXX XXXX XXXX XXXX XXXX
02/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 92780	Web
I open an account in XX/XX/2020 I paid a high amount to be able to get approved a initiation fee, paid in full I have not use the card or have received an account statement on this account after a year I see i have a balance of {$80.00} I see it because I monitor my credit I call the number on the account which is phone # XXXX they do not answer that the only number I have I left multiple voice messages after a few days no more than 5 I get notice of this account been reported late I have not use this account the balance has been {$0.00} how can I talk to them now that I am in a collection they have a real number which I Just called and they refuse to delete this account. I am working with an XXXX Loan and I got a response today that they denied me the loan because my credit drop XXXX points I am going to loose my business because of this company.
07/29/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Fraud or scam	CA 92122	Web
In an attempt to rebuild my credit after a bankruptcy I applied for a pre-paid credit card. I sent them {$1000.00} and was supposed to receive the card within 10 days. More then 2 weeks had passed when I finally went to the website to try and get some help. They do not list a phone number. I managed to find their phone number elsewhere online and called them repeatedly. They seem to have no record of me and yet they took my money. Someone always puts me on hold to " go look into it '' and then never comes back to the phone. This has happened three times. The company 's name is First Progress. Oddly, enough they come very highly recommended by XXXX XXXX. I also reported them to the XXXX XXXX XXXX whom First Progess is a member of, again oddly enough. The XXXX was supposed to send me an email with a complaint form to fill out but they never did.
10/19/2015	Yes	Credit card	Billing disputes	FL 32780	Web
Recently I made a payment to first progress to pay off my outstanding balance. The amount was debited from my account as an ACH check since that is the ONLY way that the take payments. Since the beginning of having the card they have been a total pain in the XXXX to get a pay to. I made the payment on XX/XX/XXXX of this month, and no credit was available to me even though they received the money from my bank and my balance was XXXX. I called them on XX/XX/XXXX in regards to this and they informed me it would take up to 15 days for me to have the credit available, Irate I closed the account and demanded the deposit back, and they told me it would take up to nine weeks to get my deposit back. This is completely unacceptable. they got the deposit for the card in a timely manner they should return it in a timely manner, and 7-9 weeks is ridiculous.
07/02/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Problem getting a working replacement card	TN 382XX	Web
I applied and got approved for a first digital card. I gave them my address in Montana because I am a travel worker. 2 months later my card still hasnt arrived. I requested a new one and they assured me that it would be here within 14 days. Still no card. I have until this month to activate a card before my account gets cancelled and they steal my membership fee and annual fee. They are aware of this situation, and chose to do nothing about it. Upon my last complaint I was told I could cancel my account with the card numbers on the card provided to me. No card was provided! They are literally stealing my money and trying to get away with it! They reached out to me on XX/XX/XXXX with the cancellation suggestion and I cant even navigate the phone menu because I dont have a card! And I was assured on XX/XX/XXXX I would receive my card in 14 days
12/01/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	TX 787XX	Web
On XX/XX/XXXX, my payment was due. My payment was mailed on XX/XX/XXXX. The payment was not posted until after the XXXX and a late fee was posted to the account. Today, I contact the bank to find out the ways that I can make a payment knowing full well that if I mailed my XX/XX/XXXX payments tomorrow, it would not get posted until after the XXXX. The bank notifies me that there are only XXXX other ways of sending the payment that does not include mailing it in. The only other XXXX ways is either by having my financial institution mail a check to them ( which is the same thing as a check being mailed by me ), or to pay {$10.00} for my payment to be taken by phone using my routing and account number. So I'm forced to mail the payment either 20 days before the due date, pay {$10.00} or pay a late fee of {$40.00}. This is completely unacceptable.
06/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 95148	Web
I have a credit card from 1STPROGRESSXXXX, and I have always made my payments on time. After being alerted that there was a late payment on my credit report, I called 1STPROGRESS/XXXX/XXXX and was informed that there was a mistake in their billing system which had resulted in a 30-day late payment on my credit report. As it turned out, by the time the billing issue was resolved, a second 30-day late payment had been placed on my credit report. This billing mistake resulted in me being 60 days late. It's important to note that my payment history has always been perfect and on time. I reached out to XXXX, XXXX, XXXX, and 1STPROGRESSXXXX, but unfortunately, I have been unable to obtain a satisfactory resolution. Both XXXX, XXXX, and XXXX have reported me as 30 days late for XX/XX/XXXX and XX/XX/XXXX, which is caused by the bank 's error.
08/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	IN 461XX	Web
First progress on 2 different occasions have posted that my balance has decreased meaning it is paid but both times have resulted in my credit score going down. XX/XX/XXXX shows negative XXXX points and that my balance decreased by XXXX. I paid that on time ahead of time and they can't tell me why my score went down. I checked XXXX today and noticed my score went down XXXX more points they told me it was for a XXXX dollar payment which I paid XXXX to take care of with another charge ahead of time. They don't have an answer why on that either. They don't take emails and want me to mail in my bank statements to show that I paid on time even though in their system they only have me with XXXX late payment ever. I'm building my credit score and the only negative impacts I've been having is from firat progress after making an on time payment.
08/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60649	Web
XXXX5 U.S.Code S 1681 2 A Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ;
09/19/2019	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	RI 02905	Web
Hi, this company keeps reporting inaccurate information to the credit bureaus such as " late payment '' every single month on a closed account, a " past due '' on the same closed account. How is this possible? I have sent them multiple letters and they never respond even when i point out factual errors and inaccuracies such as reporting a late payment for the same month and year that they report " on time '' to another credit bureau. This is hurting m ability to obtain a fair credit score and report and making it very difficult to obtain a mortgage. I have disputed with the credit bureaus which in turn sent me to this company and i contacted them but instead another company by the name of " XXXX XXXX XXXX XXXX XXXX XXXX '' responded saying that they are in charge of collecting the debt but they dont even show up in my credit file.
04/30/2021	Yes	Mortgage FHA mortgage	Closing on a mortgage	GA 31204	Web	Older American
I closed on my home XX/XX/2020 and moved in about 30 days later. After several weeks I started taking notice of a lot of big problems that were not disclosed. The bank and the appraiser committed fraud. I have leaking cast iron pipes which are leaking gross water into the partial basement, they are XXXX XXXX XXXX and the plumber said they were stopped up with rotting pipes. There is always water in the basement, Green, white, and black mold and mold inside the house and on the hardwoods. There is structural damage on the outside of the house, someone had replaced the windows in the basement with plexiglass and placed a strip of wood to hold it in. ( I discovered this after I was robbed ), termite damage rampant, roof leaks which have turned to ceiling damage. I was told this had been repaired but no. I do have pictures to enclose.
01/02/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	FL 32114	Web
XXXX XXXX XXXX in XXXX, Texas charged my credit card for {$6700.00} via a Synovus Bank Debit Card. I had reported the card lost / stolen to the XXXX Police Department in XXXX of 2020. I'm disputing the transaction plus many more on the Credit Card. I had advised Synovus bank that the card was lost or stolen and they issued me a new one. This is not the only incident that I have had at this bank in the past. There was a fraudulent charge of {$850.00} in XXXX, Alabama XXXXON THE SAME DAY. that took my account balance down to {$0.00} the charges were consecutive in the amounts of XXXX, XXXX, XXXX, XXXX until my account was XXXX. I was in XXXX XXXX, Florida at the time and could not have made the charges. IT took Synovus bank 8 days to refund the money to my account! WHICH MADE IT EXTREMELY HARD TO LIVE, EAT AND MAKE PURCHASES.
10/23/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	NJ 075XX	Web
I recently had received a late fee charge because this company only allows you to pay through bill pay through your bank so when it tried to take the money I didnt have it in there so I was charged double from my bank a late fee and return fee and on this credit card the same thing happened ( return fee and late fee ). Im on unemployment and been trying to make mends meet so I called to see if I can have the late fee removed and not let it be shown late. She said no and still charged me an outrageous {$29.00} and {$40.00} fee with no consideration or relief. The company already makes it hard to even pay your bill on time and have it programmed this way so you always fail. Once I pay back I hope I get my FULL REFUND of {$500.00} since it was a secure card and thats all my money to begin with. Otherwise Ill be back on here again.
04/10/2020	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	OH 43227	Web
FIRST PROGRESS CARD opened : XX/XX/2016 ( 3 yrs, 8 mos ) Please note : all the accounts have been closed and reported as collections. The debt collector is FIRST PROGRESS CARD, XXXX XXXX XXXX XXXX XXXX Original creditor FIRST PROGRESS CARD Original creditor I got a card that had a limit of {$200.00}, they charged me {$2.00} which put it over the limit of {$200.00}. Over the 2 years i have had it has stay een though it is under the credit and is on all my reports. Open balance This account has been on my credit for years even it is under my cratit file, i have had it removed many times, buy they keep putting it back on. {$180.00} which includes the limit fee which started all this. in my opinion it should be no where near {$180.00} since i did not go over the {$200.00} card limit. Thank you for your time and stay safe.
12/30/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	AZ 85014	Web
On the XX/XX/2020 I reported Credit card fraud to First progress financial. At this time the company informed me that's the would put a hold on my account and if I paid in full all was even. Today when checking the status of my account I found a new charge unpaid acuring interested and unpaid balance on my account. I was informed I was responsible for the new charges interest rate, but not the charges. In short, I am being charged interest rate on a charge that should never have been on my credit card in the first place because I cancelled the number and was sent a new card. The website is so far behind they can't tell me why I shouldn't be paid up on full. I now have a carries interest rate on a first progress financial card that is already over paid. Missing final documents from XX/XX/2020. No statement available. .
12/24/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	NC 28208	Web
I have submitted a Cease & desist to this company to cease reporting because this account is not mine this account along with another account were opened the same month and deemed as fraud. As a result in the account being fraudulent the company has closed the account how ever they have the account still on my credit report, It has been over 3 months with no resolve .This is a direct violation of The FDCPA pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) I have sent my last letter before my next step of litigation and seeking damages for emotional distress and defamation of character I have attached all required items of an identity theft report and the FTC is a law enforcement agency as per their website. I have also sent certified mail and the company has 4 days to delete upon recieval the certified mail tracking is XXXX
08/13/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Account information incorrect	CO 80524	Web
Back in XXXX i rented a car. when i returned it XXXX took days to get it checked back in. well they ended up charging my credit card over {$2000.00}. I ended up disputing it and XXXX issued a refund. well when they issued me a new card they ended up creating a new a new account. well that original account still continues to report with an open balance of {$2000.00} over limit. its taking a huge impact on my score. i have sent messages, letters with proof, called them and nothing gets done. i just want it updated to XXXX. becuase it has not been updated its showing my utilization at over 400 % and and because of it the utilization the points that were taken when first reported have not been retured. the longer this goes on the less likely that my credit will repair it self when the reports are fixed per first progress
11/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 34120	Web
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. My request for the correction and removable of the inaccurate information about my accounts has been diligently neglected by the credit bureaus. Despite sending them the last letter for the said request, I have not received any response up to this date. Besides, the fallacious information about my accounts is still on my reports. Therefore, the credit bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. The Synovus Bank account is still reporting on my account.
07/13/2018	Yes	Mortgage FHA mortgage	Closing on a mortgage	SC 29301	Web
I'm A SINGLE MOTHER WHO OF XXXX WHOM HAS BEEWN TRYING TO CLOSE ON MY FIRSY HOME FOR ALMOST 3 MONTHS NOW. I HAVE PROVIDED EVERTHING TO MY BANK SEVERAL TIMES AND KEEP GETTING THE RUN AROUD. ITS BEING THROWN UP IN MY FACE BECAUSE MY FAMILY AND I NEEDED DOWN PAYMENT ASSISTANCE AND ITS UNFAIR. I'M UNSURE WHAT TO DO AT THIS POINT AND MY SELLER IS ABOUT TO PUT THE HOME BACK ON THE MARKET BECAUSE IF IT. WHAT DO I DO? I HAVE ALL MY PROOFS TO BACK UP MY CLAIM AS WELL. MY REALTOR ALSO IS SEEING THE SAME THING AND SUPPORTS ME IN THIS MATTER. MEANWHILE MY FAMILY AND I HAVE BEEN LIVING OUT OF BOXES AND SLEEPING ON THE FLOOR. I RECENTLY HAD TO ADOPT A XXXX OLD BABY AND A XXXX YEARF OLD. I'VE PUT EVERTHING I HAVE INTO THIS HOME AND NOW MY BACK IS AGAINST THE WALL. CAN YOU HELP ME PLEASE OR DIRECT ME TO SOMEONE WHO CAN? THANK YOU
03/10/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Account information incorrect	TX 76119	Web
First Progress Account # XXXX is currently violating FCPA 15 USC 1681s-2- Resposibilities of Furnisher of information to consumer reporting agencies. DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION. I have directly requested validation of Debt regarding First Progress Account Number XXXX via USPS Certified Mail XXXX XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX. First Progress Did Not Validate this debt in pursuant of the FCPA. I mailed the letters in pursuant of the ADMINISTRATIVE PROCEDURE ACT.. In addition First Progress has reported different payment history to XXXX than XXXX. On XXXX credit report is shows " No Data Available ''. On XXXX there are codes and figures in payment history. Futhermore the IRS states " Cancelled Debt '' as " gross income '' ( see enclosed IRS publication on Cancelled Debt
06/24/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	CA 93401	Web
My card was stolen and used to make XXXX fraudulent purchases totaling {$210.00} ( XXXX {$200.00} ; XXXX XXXX XXXX {$6.00} ; and XXXX XXXX XXXX {$8.00} ). I had completely paid my account, so the only balance comes from these fraudukent charges. I contacted First Progress by phone and was told that " disputes was looking into it. '' I followed up with a letter and there has been no response now for about 30 days. In the meantime I have made {$90.00} in payments all toward these fraudulent charges to keep my account in good standing because First Progress will not process my dispute. Now they have charged me interest and informed me that I have a {$43.00} minimum payment due. Again, ALL of this is on fraudulent charges because I had completely paid off my account. They have also ignored my request for a new card.
06/18/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	MA 02740	Web
Hi and to whom it may concern : I just finally got off the phone with Risk Management team member XXXX at First Progress Card on an alleged 2nd card that apparently shows on my credit report without me ever applying for or put a secured deposit for it. After 61 minutes with her today in regards to this, she confirmed that for some odd reason when I open the card that I have now a few months ago, then the 2nd card was mysteriously open but NEVER sent. However, she said that First Progress mistakenly reported to the credit bureau that I never paid the annual fee for 2 consecutive months which was on the card that I NEVER APPLIED or RECEIVED. I'm in the process of buying a home for my family and my credit has taken a huge hit in the last 2 months and I'm in the verge of NOT closing on the loan because of this issue.
05/30/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	IN 461XX	Web
I paid first progress on XX/XX/23. They sent me a confirmation code saying they received my payment. I noticed my score went down almost XXXX points. I called them and they 1st said my bank declined it. There are no declines on my account and on that day I had more than enough money to cover it. Then they told me that they weren't authorized to take it. I asked how did I receive a message saying that my payment was received and a confirmation number if it wasn't paid. They told me that they couldn't see that and I would have to send a letter to a XXXX XXXX XXXX Then I was told they have the confirmation but they can't wave the extra late fee and that I can only send a letter to the company and they might do it. I have screenshots showing that I made the payment to them and that they are showing that I'm current.
03/16/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	AZ 85209	Web	Servicemember
{$9.00} charge Card first progress secured card was canceled and the replacement card was not activated. Did a fraud claim they denied it I paid all charges and canceled the card I never activated new card a new charge came for {$9.00} it was not a charge I made so I was not aware nor did they give me notice I then was charged late fees and reported as late payment on my credit, I submitted good will letter to have the late charge removed because it was not my fault and I wa snot aware that a canceled or inactivated card could be used, so I gain paid all charges that was a result jn fraud and closed my account. They gave me a letter saying g they accepted my good will letter it would take up to 31 days to report, XXXX reported they company first progress did not fix the report. Months Nov- XX/XX/202XXXX XXXX
11/21/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	FL 33134	Web
There is substantial documentation uploaded. Please review. In summary, First Progress has not been responsive in my investigation regarding a former friend ( XXXX XXXX ) somehow getting away with opening a secured line of credit and charging my bank account for it. I never authorized paying {$200.00} to fund her a secure line of credit or the {$39.00} additional payment made on my XXXX XXXX XXXX XXXX account. I have subsequently closed the XXXX checking account ( due to suspected fraud, nevertheless ) ; but it appears that charges were made on XXXX 's behalf from both my XXXX XXXX XXXX XXXX account and my XXXX account. XXXX XXXX is investigating this as well, and I have recently sent a request to XXXX bank to investigate as well. However, First Progress has not been responsive, and this is a serious manner.
05/29/2020	Yes	Credit card or prepaid card Government benefit card	Problem getting a card or closing an account Trouble getting a working replacement card	NC 28209	Web	Servicemember
On Friday XX/XX/2020, I called the phone number twice for the EIP card I was supposed to receive, XXXX ( XXXX ) XXXX around XXXX. Both times I was unable to get someone on the phone and I was also unable to get help. My card was sent to the wrong address, something I wasn't aware I needed to fix until slightly too late since I did use direct deposit and electronic payment for my taxes. I moved to a new address and am unable to get the card from the new tenant for whatever reason. I also want to put a hold on the account which I can not do because when I tried to call I was told to get an account number and call back by the operator voice. I also was unable to report it lost because I haven't received it for the same reason! I did try going online but I have the same problem, no card, no way to get it.
03/29/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	NJ 080XX	Web
I applied for a First Progress credit card I deposited XXXX dollars but because I thought it didnt go through I did it again when I noticed I sent 2 amounts of XXXX dollars I called immediately to get my XXXX back they said I had to wait until it stopped pending which on XXXX the XXXX it was paid out of my bank I called customer service for my refund they said I needed to send a fax copy of my bank statement showing that the 2 amounts were sent and than they can refund me my money back. I called today and now theyre saying they didnt receive two payments even looking at the statement showing that they did. Im going to get a lawyer now because somebody stole my money and now theyre acting like they never received it. I just looked on the XXXX website and they have done this in the past to other people.
01/15/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	PA 19082	Web
I entered into a consumer credit transaction with First Progress. Pursuant to 15 USC 6802 First Progress never disclosed to me that I had the option to opt out of this transaction being reported. First Progress also reported this transaction to consumer reporting agency which is a violation of 15 USC 1681. The transaction arose from a credit card which is supposed to be excluded from a consumer report. First Progress was also in violation of 1692j because is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.
09/29/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30032	Web
First Progress has inaccurately reporting late payments on my credit file and these late payments are causing me undue hardship because they are inaccurate. I attempted to contact the company several times and they have an answering service with individuals from overseas who are extremely rude, lack knowledge of company policies or how to remove this inaccurate information off my account. This company continues to report late payments on my XXXX credit report to no avail illegally, I have never missed a payment with this company. I setup this account with my monies as a secured credit card but now because of their inaccurate reporting they are causing my credit report to suffer more damage then they are assisting me. I would like them to immediately cease and desist reporting this false information.
10/06/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	RI 02905	Web
i have sent multiple letter to this creditor pointing out the fact that they are reporting erroneous information to the credit bureaus, to experian they say i was " 150 days late '' o XX/XX/XXXX nad to XXXX they say i was " late 120 days ''. They claim i have made payments of {$9.00} on this account on XXXX, XXXX and XXXX of XXXX and i have not, this account has been closed since XXXX. They are not reporting any information for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, also another company is attempting to collect on this alleged debt on their behalf, and as i have read if another company is attempting to collect a debt then the original creditor can NOT report a past due or a balance on your credit report.i am not having a fair and accurate credit and is harming my possibility to obtain financing.
05/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	TX 795XX	Web
On XX/XX/XXXX, First Progress Credit Card reported a NEW bankruptcy on my credit reports at all three bureaus. They claimed a balance of {$160.00} was still owed. The facts of the matter are these : I did file bankruptcy in XX/XX/XXXX in which the balance owed to First Progress was listed. The bankruptcy was discharged in XX/XX/XXXX ant the their debt was discharged also. First Progress has no right under law to report a new bankruptcy as of XXXX XXXX where no such bankruptcy filing exists, and may not claim an outstanding balance when such debt was discharged in XX/XX/XXXX. In my opinion, this is a revenge filing and an attempt to collect on an uncollectible debt. All such reporting to credit bureaus should be immediately removed and the Company censured for this kind of illegal behavior.
10/29/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Delay in processing application	OH XXXXX	Web	Servicemember
On or about XX/XX/2020, I applied for a secured credit card through First Progress. On XX/XX/2020, the transaction for my {$200.00} 'deposit ' was processed through an online bank that I use. On XX/XX/2020, I received an email from First Progress stating that I had been approved, an account had been opened in my name, and within 3 days my credit card would be created and mailed, as well it was offered that for {$19.00} they could " expedite '' my card. By Monday, XX/XX/2020, I still had not received the card and I called First Progress. It was suggested that I wait until Wednesday, XX/XX/2020, to allow time for it to arrive - it didn't. Today is Thursday, XX/XX/2020, 26 days since they've had my deposit and 20 days after they create an account in my name that I can't access without the card.
01/04/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Can't close your account	NC 283XX	Web
I opened a credit card account with First progress located in XXXX XXXX Tennessee. After 6 months I was not pleased with the service and closed my account. They sent me a letter stating that the account was closed however the account is still open and has an available credit of {$130.00} along with my past due amount of {$160.00}. I called the company to ask why I still have an available credit and they said because I still have a past due I will always have an available credit. I stated if the account was closed I should not have an available credit however just a past due balance. I later discovered that the account is still open but they titled it somehow someway as closed and it is not technically closed. The company did not want to speak with me nor did they want to show any resolve..
06/07/2017	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Account status incorrect	TX 78230	Web	Servicemember
Last month my acco unt with First Progress wa s frozen due to my mail being returned back to them because the post office placed my mail in the wrong mail box. Because of this my account was frozen and I was unable to make a payment on my account until they resolved issue and unfroze account. Once they unfroze account I made a payment but it was already to late they reported my account late to credit bureaus. I called and spoke to customer service and they told me to write a letter in to correspondence office and they would take care of issue. So I did that but correspondence office says it is not their fault so they will not remove. The issue is not my fault either because FIRST PROGRESS froze my account I couldnt make payment. How is that my fault? They should not have froze my account.
06/12/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Improper use of your report Reporting company used your report improperly	TX XXXXX	Web	Servicemember
First Progress did not furnish me with a Form 1099-C after an alleged debts of {$150.00} was charged-off from credit accounts in my name. It is also to my understanding that once a creditor charges-off an account, that they receive a tax deduction for the charge-off amount when they file their taxes. That in turn converts the amount owed from an alleged debt, into earned income, which has fraudulently been reported to the consumer reporting agencies as a charge-offs, and it misrepresents the amount charged off as alleged debt owed, instead of earned income, which is being fraudulently reported to the credit reporting agencies. Not only does First Progress have it listed on my reports as charged-off, but with the received tax deductions, this is considered tax fraud according to the IRS.
09/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33177	Web
These accounts are not mine but is reflecting on my credit reports. First Progress Acct # : XXXX Opened : XX/XX/XXXX Amount : {$100.00} XXXX XXXX XXXX Acct # : XXXX Opened : XX/XX/XXXX Amount : {$25000.00} They are illegally furnishing data on my consumer report that one is not mine or i dont remember opening these accounts. i never gave XXXX XXXX XXXX or First Progress any verbal or written consent to report anything on my consumer report. no consent is identity theft. so they are violating law 15 U.S. Code 1681b i am personally writing to them with help of my lawyer that is telling me to gather all this information to file lawsuits to the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins. selling my information to third parties.
03/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30339	Web
First Progress/1stProgress XXXX Two Accounts : {$200.00} Hello, I have called them multiple times, requesting that the fraud accounts be taken off of my credit. It appears that the accounts are closed but they are still showing negative payments on my credit profile and impacting my score significantly, and I am trying to purchase a home for my family. I have called them multiple times and they have confirm that after their investigation, the accounts were opened as a result of identity theft and fraud. They're confirmed they would contact the creditors directly to get this resolved. Can you please investigate immediately and get this company credit charges off of my credit? Please see the attach letter from them confirming the account would be taken off my credit as negative items
08/21/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Trouble using your card Credit card company won't increase or decrease your credit limit	FL 34953	Web
First Progress : Stole {$500.00} from me - In an attempt to increase my credit limit which was approved more than 3 times we sent 2 different money orders ( {$300.00} plus {$500.00} ) and were given a 15 day grace period to have it there. 4 days later we received a letter stating that the funds were not received in time. No funds were returned, I later made a complaint to the XXXX XXXX XXXX and they return one of the money orders in the amount of {$300.00} then told the XXXX that all of the funds were returned. As of XX/XX/2021 the {$500.00} money order was never returned nor credited to the account. They have sent a bill in the amount of {$370.00} stating that is the amount owed on the account. Now they threaten to close the account if we do not pay an additional {$370.00} to them.
03/30/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 07201	Web
XXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX As a consumer I am exercising my right to ask that you please in writing, define using Federal Law what exactly is a late payment and why it is reporting on my consumer report. If this is what looks like a consumer credit transaction which means it was already paid for once a credit card ( social security card ) was used in order to obtain this alleged vehicle. Then why are there late payments present on my consumer report? Please show proof of these alleged late payments. If your company is unable to provide the information that is asked for then I am requesting as a consumer and the original creditor that the remedy for the violation of having inaccurate information on my consumer report be : Deletion from all consumer reports. Thank you.
09/20/2023	Yes	Credit card General-purpose credit card or charge card	Other features, terms, or problems Problem with customer service	TX 787XX	Web
In XXXX, I opened a First Progress secured credit card account with a {$200.00} refundable deposit with the intention of building credit. Since I've been a customer, I never made a single transaction, however, I paid {$290.00} in aggregate annual fees over the course of nearly 6 years. On XXXX XX/XX/XXXX, I called into First Progress to close the account and was told by their customer service representative that I had to wait ten ( 10 ) weeks in order to get my {$200.00} refundable deposit returned. When the representative told me 10 weeks, I was flabbergasted and said : " you mean, 10 days, right? '' and the agent said " no, 10 weeks. '' I completely understand that there needs to be some holding period before my deposit is returnedhowever, 10 weeks is completely unacceptable.
08/24/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	MS 39042	Web	Servicemember
It clearly demonstrates that information appearing on my credit report is inaccurate and is damaging my character, credibility, or ability to obtain credit. I've learned that I can seek Injunctive Relief through the courts. Failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed.Communicated and are continuing to communicate incorrect and defamatory information to third parties including but not limited to : XXXX, XXXX, and XXXX XXXX. As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I am also very upset at your firm 's intentional infliction of emotional distress and at the other diminishes of the quality of my life.
03/30/2017	Yes	Mortgage Conventional fixed mortgage	Loan modification,collection,foreclosure	SC 298XX	Web
the lender is in violation of regulation 1024.39 ( a ) Early intervention requirements for certain borrowers. - A servicer shall establish or make good faith efforts to establish live contact with a delinquent borrower not later than the 36th day of the borrower 's delinquency and, promptly after establishing live contact, inform such borrower about the availability of loss mitigation options if appropriate. & 1024.39 ( b ) Notice required. Except as otherwise provided in this section, a servicer shall provide to a delinquent borrower a written notice with the information set forth in paragraph ( b ) ( 2 ) of this section not later than the 45th day of the borrower 's delinquency. A servicer is not required to provide the written notice more than once during any 180-day period.
05/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OH 440XX	Web
in accordance with the Fair Credit reporting act, They have violated my rights to privacy. 15 U.S. 1681 section 602 A. states I have the right to privacy. 15 U.S. C 1681 SECTION 604 A section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions if i know or have any reasonable cause to believe that the information is inaccurate. 15 U.S C 1681 A tilted definitions Rules of construction. That transactions are not included in the consumer report. Late payments are forms of transactions. So, by late payments reporting to my consumer report, it is actually a violation of A Fair Credit Reporting Act. Which also means if you have a late payment report to your consumer report it's a direct violation of the Fair Credit Reporting Act
08/27/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	GA XXXXX	Web
I have sent First Progress multiple letters asking for debt verfication! I sent those letters, via certified mail, on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have proof that all of those times the letter was delivered within 3-4 days of me mailing them. I have yet to receive a response from First Progress providing documentation proving that I opened an account with them and that I owe them any money. XXXX XXXX is reporting to all 3 Credit Bureaus stating that I open an account with them on XX/XX/XXXX, which I did not! Also they are reporting that I owe them a balance of XXXX, which I do not because I never opened an account with them. The negative reporting from this company is really hindering my credit score and my credit file! This is completely ridiculous!
08/24/2017	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Company closed your account	IL 623XX	Web
On XX/XX/XXXX i received a letter from First Progress XXXX XXXX XXXX. It states, " We have not received the verification documents as requested. Therefore as part of our cardholder agreement, we have had to close your credit card account. '' This part im fine with. - ( I had planned to close this account anyways before i have better offers that are unsecured cards. ) However, this part of the letter is my issue. " Your security deposit has been credited to your outstanding balance owed. '' You will receive a statement showing the credit for your security deposit and any outstanding balance on your credit card account. My card was and has been paid IN FULL since X/X/2017. I DO NOT owe this company a dime but they kept my security deposit. This is 100 % THEFT and FRAUD.
01/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 281XX	Web
There are 3 accounts that are reporting on my credit that do not belong to me. I have contacted each of the creditors by mail on 8 occasions requesting validation and how they assume that I am the person responsible for the debt. Each of the creditors have not provided me with any information that would substantiate the debt belongs to me. I have made numerous calls only to be told that the application was submitted by internet and that is the most they could tell me. I have not applied for either of 2 cards ... XXXX and XXXX XXXX. I did however call in a card for 1st progress..never used the card ..returned the card and the company is reporting the card as delinquent. This is affecting my score and I feel lost with no one to assist. Please help. These do not belong to me.
07/17/2017	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Company closed your account	FL 33068	Web
I hired somebody to fix my credit and they were disputing inaccurate infos on my report and XXXX disputed everything that 's on my report including a secured card I had through First progress bank for XXXX $ which I opened XXXX /2016 I made the initial XXXX $ deposit from my checking account. While investigating the dispute first progress closed my secured card and I called to verify myself and let them know I was n't disputing the account to not close my credit card or reopen it they declined and I reverted for them to return my XXXX $ deposit and i have been getting the run around everyday for the past month with them passing me back and forth department on hold for 4hrs and still stalling from refunding me my deposit and they even added extra fees to my account
09/17/2015	Yes	Credit card	Billing disputes	AZ 85718	Web
SirCan you please help with this problem. It should be easy to fix but since I cant communicate with this company makes it hard. Im sure they set it up this way to save money. I obtained a secured credit card from first progress for {$300.00}. The problem is XXXX credits are posted on XX/XX/XXXX and XX/XX/XXXX however they are not credited or deducted from balance, see file. Now they also want late fees. All the numbers I call or can find online either dont work or they have no idea. on card says first progress issued by Synovus Bank XXXX XXXX. Cant talk to a humanIve also called other numbers. I wrote them month ago no reply. This is a real stupid setup by this company. Please help as i am worried they are now going to show this as late account etc.. XXXX XXXX
05/20/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	LA 708XX	Web
I entered a consumer credit transaction with XXXX XXXX and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which constitutes fraud, the alleged interest not included in the finance charge ( sum of all charges ) Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that XXXX XXXX claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. XXXX XXXX has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me and not validating the debt.
04/13/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Problem with customer service	FL 32771	Web
Found and add online for a Prepaid Credit card to assist in building credit. I prepaid XXXX $ to get the card. A week later I received it in the mail. Company name Is XXXX XXXX, and the card is a XXXX XXXX. Soon after I activated my card via the number provided. Ever since, I have attempted near 10 different locations to use the card, and all have been declined. Iv been charged a fee every month for not using the card, and after excessive amounts of attempts to contact personnel, I have gotten no where. All phone numbers provided go to a recorded voice with no voicemail options, Online login is a no go, and my credit is only dropping. I am unsure how to escape this nightmare, and also have noticed the company has horrible reviews online and probably scams many people.
08/24/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	PA 19132	Web
I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX and XXXX Credit Bureaus are reporting inaccurate information on FSTPROGRESS. Please change the status to Paid or simply " Remove '' the account. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting derogatory information. Per FCRA, reporting must be 100 % accurate. Here are the lists of the erroneous accounts reporting on my Credit Report : FSTPROGRESSXXXX-Balance $ XXXX-Date Opened : XX/XX/2018 FSTPROGRESSXXXXBalance $ XXXXDate Opened : XX/XX/2018 FSTPROGRESS-XXXX-Balance $ XXXXDate Opened : XX/XX/2018 FSTPROGRESS-XXXX-Balance $ XXXX-Date Opened : XX/XX/2018
10/19/2023	Yes	Credit card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	GA 31763	Web
All XX/XX/. All from XXXX store number XXXX ( New Mexico ). Amounts on all 5 transactions {$18.00}, {$18.00}, {$20.00}, {$30.00} and {$23.00} I live in XXXX XXXX number is New Mexico XXXX I have not traveled anywhere out of state of Georgia. Next day XX/XX/ I noticed the charges and called the card company and reported it. I was told they took the report and it may take 90 days for the investigation. XX/XX/XX/XX/XXXXwas closing date on the account. Card company showed to credit Beu the charges and over 60 % utilization when in fact I had it paid off before the fraudulent charges. They sending me a new card and shut that card off but refuse to credit my account or freeze it. Matter of fact they said I need to pay at least minimum do until investigation is complete.
06/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NC 273XX	Web
In XXXX of 2023 I filed for a First Progress card via Synovus bank. The card was received and never activated, therefore there should have been no activation fee charged. I recently filed for a loan pre qualification and was denied, upon investigation I discovered a delinquency from First Progress showing I have failed to pay an activation fee for a card I never activated. I called First Progress today ( XX/XX/XXXX ) to resolve this issue and customer services tried to inform me I have to send in a request to remove the charges via a handwritten letter sent to a po box XXXX They claim mail is the only way to resolve this issue. But its 2023 and everyone uses online banking Im not sure why I would need to pay an activation fee for a card/account that is not active.
01/14/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	CA 91343	Web	Older American
I have been with first progress for XXXX years. I have good credit and owed nothing on this card. I spoke to an agent in XXXX to remove XXXX late fee and expressed why I am getting late fees if I have not balance. They are charging me monthly {$29.00} and charge me a late fee regarding this but said to call in XXXX and they would remove the other {$41.00}. I spoke to an agent XXXX on XX/XX/2023 at XXXX and she expressed that i was misinformed and there could not be a removal of another late fee. I also explained this has cause a great impact on my credit file and needed this issue corrected. To no avail I received no resolution. I realize this much is a predatory card and also wanted to close this card out but can not. I really need help with this issue.
08/25/2023	Yes	Credit card General-purpose credit card or charge card	Incorrect information on your report Account status incorrect	LA 705XX	Web
I have not supplied proof under the doctrine of estopper by silence, XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. This company updated my account i had with them in the past to late, this account is paid and closed, i was honored a goodwill in XXXX For XXXX, XXXX, XXXX and XXXX, same exact thing the representative told me. so why was my account updated to late for these months, my account was paid out in XXXX now they are reporting late payment for XXXX, XXXX, And XXXX of XXXX this is not accurate and needs to be fixed asap, giving out inaccurate information is against the law and this company can be fined for reporting inaccurate information.
09/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30324	Web
On XXXX XXXX i sent a letter to XXXX stating that I was victim of identity fraud with the police report attached. It was removed from the other two bureaus but XXXX refused to remove the items on my report. 1. Columbus Bank & Trust Account Number : XXXX identity theft 2. XXXX XXXX Account Number : XXXX identity theft 3. I have no acknowledgement of this account. Clearly this company has made a mistake XXXX Account Number : XXXX identity theft I have never heard of this company nor have I ever done business with them 4. XXXX XXXX XXXX Account Number : XXXX identity theft 5. The following account is not mine XXXX XXXX XXXX XXXX Account Number : XXXX identity theft 6. The following account is not mine XXXX XXXX XXXX XXXX Account Number : XXXX identity theft
09/22/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	NJ 08618	Web
So the report for XXXX is XXXX Ive been trying to dispute first progress for months and Ive asked the dispute representative today XX/XX/2021 what information are they sending to make you say its accurate and the only information they provided is the information that was a result of identity theft which is my name and my social which is really upsetting me as Ive sent several letters to them and even have my account on fraud alert and first progress keeps saying is accurate when its nit they made two duplicate accounts in my name and I want them gone, my name is incorrectly reported by then with a middle initial of XXXX when my initial isnt a XXXX The account has gotten taken off of XXXX and XXXX yet they kept trying to report to XXXX that it isnt fraudulent
09/07/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Account status incorrect	TX 78227	Web	Servicemember
I opened a secured credit card with 1st Progress using my own {$200.00}. I used and made payments on this card for 10 months and felt like I shouldnt be charged how much interest I have been being charged especially with the money I am spending is money I used on my card. So I decided to make the final payment and was under the impression that this account was closed at that point. I recieived more late fees and interest charges and caused my balance to go up and them to report me late to the credit bureauas. This has caused tremendous damage to my credit and I am about to lose the home I have worked so hard to get into. They should not be reporting me late when I placed the money on this card that I was previously using and cause severe damage to my credit.
04/24/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	AK 999XX	Web	Servicemember
I recently opened this XXXX XXXX XXXX credit card but had trouble making my first payments to the card. I was given incorrect or inaccurate instructions over the phone in regards to making my payment through my bank 's Bill Pay service. I kept asking multiple times if my payment was received, and all I was told to do was wait. By the time I realised what had happened, it was already late XXXX, and multiple payment deadlines had passed. When I called, I asked for a reversal of the late payment statuses and late fees due to this error. My understanding was that all the late fees would be reversed now that I had posted my full payment. However, this was not done, and right now my card is showing as having been late for XXXX months and it is ruining my credit.
05/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 90018	Web
I Have been a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
12/07/2023	Yes	Checking or savings account Checking account	Problem caused by your funds being low Overdrafts and overdraft fees	SC 295XX	Web	Older American
XXXX XXXX in over draft fees and a XXXX check deposit came in same day. XXXX XXXX charged for each item that came in on overdraft sat down with branch manager and went over account there were XXXX charges on the account that were not made by me asked if it would be credited to the account she said no maybe in 10 days really! I told her I had done a complaint on them about the fees and over draft and asked her to reverse them all she said she could only do 1 per year I told her that's not the truth and she said well that's how we pay our bills is with bank fees I said well I help you out but you want help me she said she could not do anything this bank needs to stop XXXX people by the time I pay the fees on Friday I want have money to pay my bills with
04/06/2022	Yes	Mortgage Other type of mortgage	Applying for a mortgage or refinancing an existing mortgage	GA 307XX	Web	Older American, Servicemember
I have a " Synovus '' in house loan on a rental property that is listed as a commercial. loan. Took out the Loan in XXXX or XXXX of XXXX. Have been paying over 6 %. Paid XXXX to XXXX down on signing loan. I tried to refinance and take out some equity and was denied stating that I was not " profiting on property '' Which I never intended to. Just planned on renting it and making payments to have for the future. I paid XXXX down initially on a {$100000.00} loan. Only owe {$40000.00}. Property is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Loan # ends in XXXX Thru SYNOVUS Bank which use to be XXXX XXXX XXXX. Banked with them for many years. Please help if you can. Thank You XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX Cell : XXXX
10/28/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	DC XXXXX	Web
I have never been 30 days late. I contacted the company when I returned from XXXX XXXX. I had asked for electronic billing at least six months before, and the company never updated my data until later in XXXX I was in XXXX with no internet access in XXXX and no access to clearly could not get US Mail. As soon as I returned, I called the company and complained that they didn't send me an electronic notice, and I paid the balance in that call. Its never been 30-59 days as reported in XXXX XXXXI was assured that my payment history wasn't negative, but I see it reported paid as agreed, with no delinquencies. I paid {$300.00} in XXXX in XXXXwo payments of {$300.00} within ten days of each other, which clearly shows that I wasn't delinquent 30-59 days.
06/26/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Delay in processing application	PA 19143	Web	Older American
2021 I applied for a credit card through XXXX XXXX. A company called First Progress. I sent a {$500.00} deposit. After sometime they requested the same information I had already sent again. I sent it again. Nothing still. Then a second time they requested the same information, again. I contacted a consumer agent with channel XXXX news. Which they never responded to. They dont have clear instructions on how to contact them. There is also no way to contact XXXX XXXX. Time continues to progress and I still dont have a card or the money. I would like to use XXXX XXXX to build my credit, by applying for another card, but I cant do it under these circumstances. I have all correspondence between the company and myself. Including a copy of deposit statement.
11/04/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	TX 76017	Web
XXXX XXXX XXXX XXXX XXXX is attempting to collect on a debt that has expired concurrent with the statute of limitations. Statute of limitations law in Texas is 4 years for credit card debt. The statement I just received from XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX in response to my debt validation and dispute, is dated XXXX. I have communicated to them in my dispute that the debt is not mine as the statute of limitations has expired on this debt therefore they can no longer collect on said debt. They refuse to comply. I have been disputing this collection for several months to no avail. The debt is no longer valid and 3rd party collection agencies keep trying to buy it and force me to pay it, which is having negative affects on my credit worthiness.
02/06/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Problem with customer service	MN 554XX	Web
Several fraudulent charges were made on my account. I contacted the company on or about XX/XX/XXXX and tried to resolve the fraud charges. I was told that I need to contact the venders to resolve these charges. I don't know where or how to contact venders about charges that were made on my account. I requested that the account be closed and they continue to charge me monthly fees, etc. and my account is still open and they refuse to remove the fraudulent charges that were made on the account. Every time I call to try to resolve this I am placed on hold for well over an hour. I have no other way of contacting someone and have repeatedly asked that my account be closed. It does not appear that this has been done and more charges are being incurred.
02/20/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Application denied	PA 19140	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA, XXXX : DISPUTE/CLIENT RESOLUTION SPECIALIST XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX RE : ADVERSE ACTION DATED XX/XX/2022 Recently, I, XXXX XXXX was denied an extension of credit by XXXX XXXX On XX/XX/2022 XXXX I applied for The XXXX XXXX XXXX As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). First Digital has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 BEST, XXXX, XXXX Without prejudice, all natural inalienable rights reserved.
07/03/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	CA 922XX	Web
First Progress XXXX XXXX XXXX XXXX XXXX TN XXXX. XX/XX/XXXX I applied for secured credit card in the amount of {$200.00}. Account approved and opened. I never used this card. No purchases were ever made. I lost my job due to Co-Vid XX/XX/XXXX. For an entire year First Progress remained with a balance of {$0.00} between XX/XX/XXXX thru XX/XX/XXXX. It wasn't until XX/XX/XXXX that the card was charged an annual fee of {$49.00}. Every bill after this was charged late fees and interest. First Progress ran my {$200.00} secured deposit all the way down to - {$4.00} and closed account. They kept my security deposit and made derogatory statements to the credit reporting bureau agencies. I can't see how I can lose my deposit on a card I never used
08/12/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	NC 28031	Web
I paid my bill using my routing and account number and it was accepted then the company said that they could not process my payment and I put in the correct information and then they proceeded to charge me fees fraudulently stating that my payment was late. My payment was not late and the funds were 100 % available in my checking account. I am currently on XXXX and was XXXX XXXX XXXX XXXX on XX/XX/XXXX. I am in the process of applying for long term XXXX and I am recovering from a XXXX XXXX and XXXX and XXXX. This fee is completely fraudulently as my account had the money in it to cover the payment made with the correct checking account number and routing number. This company is lying and trying to charge excessive fees without reason.
01/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	GA 30310	Web
I have experienced ongoing issues with removing unknown accounts on my credit report. I have sent in multiple dispute letters and have yet to receive anything. I sent off an original dispute letter asking for them to send over certain documents that requested them to send my original contract with my signature attached. I never heard anything back. I then sent off a 30 Day Demand of Comply letter after waiting 45 days. To this day, I still have not received anything. Under FCRA, failure to validate the debt in 30 days demands an automatic deletion. Furthermore, the original signed contract has still yet to be sent to me. I demand deletion!!!! ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
11/02/2020	Yes	Credit card or prepaid card General-purpose prepaid card	Problem with a purchase or transfer Card company isn't resolving a dispute about a purchase or transfer	GA 30906	Web
I recently paid a {$200.00} deposit for my prepaid credit card on XX/XX/20. I am still getting emails stating that my application is incomplete and they need {$200.00} refundable deposit. I have already verified the payment has posted to my account and the money is gone. I spoke to two different representatives at this company who could not confirm if my payment was received or I why I am receiving emails asking for more money. At this point I want my money back the represent stated I would have to wait until my application completed processing and I get my card before this happens. I feel like this company is a FRAUDULENT and Scamming company. They have no contact information listed and the representatives have no idea how to help you!
12/03/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	SC XXXXX	Web
I WAS IMPACTED BY HURRICAINE " MICHEAL '' HERE IN SC IT WAS DECLARED A " NATURAL DISASTER '', I HAVE BEEN CONTACTING XXXX XXXX XXXX SINCE THEN STILL TRYING TO BATTLE THEM CHARGING ME {$27.00} -LATE FEE TWICE AND {$38.00} PMNT XX/XX/XXXX & REP : XXXX XXXX STATED THAT SHE CAN ONLY REMOVE ( 1 ) OF THE 3 LATE FEES AND SHE COULD NOT DO ANYTHING ABOUT THE " NATURAL DISASTER '' FOR ME, SHE STATED THAT I WILL HAVE TO WRITE : XXXX XXXX XXXX ( CORRESPONDENCE TEAM ). THE REP ALSO STATED THAT THERE WAS NO PHONE NUMBER TO CALL FOR THAT SPECIFIC DEPARTMENT. I HAVE DONE THIS WITH MY OTHER CREDITORS AND THEY PLACED THE NATURAL DISASTER CODE ON MY ACCOUNT AND STATED THAT MY PMNT WILL BE DUE XX/XX/XXXX. I AM HAVING A VERY HARD TIME WITH XXXX XXXX.
04/30/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CA 90260	Web
I am a victim of fraud and/ or identity theft. I am writing to dispute the following item on my credit report maintained at your bureau. Each of the accounts and transactions I dispute were opened and made by someone with a similar name as me or pretending to be me. They may have also used stolen identification and/or documents to obtain goods or services. I never authorized, used, or benefited from these accounts or transactions in any way. Please delete the disputed items on my report within four ( 4 ) days as required by the Fair Credit Reporting Act copied here below for your reference. FCRA 605B ( 15 U.S.C. 1681c-2 ) Block of Information Resulting from Identity Theft ( a ) Block. I am demanding deletion of reference account
12/22/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	IL 60411	Web
XXXX XXXX card has not provided my signature. Signature is 100 % verifiable verification. Matching an address and email and phone number is not 100 % verifiable verification by law. I also had an attorney to find the licence of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX. It could not be found by the attorney. I 'm asking for the licence of this company as stated under statue 225 ilcs 425/4 to do business in Illinois. Please provide both of these documents. It is against the law in Illinois to do business. Letters have been sent to the Illinois attorney General and Illinois business to confirm there licence in Illinois. Please forward info with that address and not to be confused with a holding or pass through entity.
11/01/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	AL 35810	Web	Older American
In XXXX XXXX I applied for an equity line of credit to pay off bills and the revolving loan in question. I received and qualified for the equity line of credit and paid off bills including the revolving loan in question. I have been receiving bills for the paid off and closed revolving loan since my payoff date which I believe was XXXX or XXXX XXXX. I have made numerous attempts to contact the banking institution to correct this matter and the one individual that could help me never returned my calls or showed that they gave any indication of correcting this matter. I even call the main office in XXXX, XXXX and they explained that the only person that could take care of this problem was the person that I was trying to contact.
01/14/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	GA 31204	Web
I have complained directly to the bank, XXXX XXXX, as well as XXXX before. 3 times Ive mailed a payment and they charge a late fee and it miraculously posts that evening. Most current, my bank mailed a check in XX/XX/XXXX, payment was due XXXX. On XXXX I filed a complaint with XXXX and said in the complaint the payment would magically appear after a late fee. They apples a {$40.00} late fee XX/XX/XXXX and posted the payment the next day. They also reversed payments that were cashed from my bank, theyre bank drafts and claimed they bounced. This scam I am sure runs deep, myself I have had 1 payment and 3 times a late fee charged and then the payment applied as soon as the fee was charged, each payment mailed a week before due.
04/20/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IL 60610	Web
I contacted XXXX XXXX via mail XX/XX/2020, regarding them sending me a bill for a {$200.00} prepaid credit card that was a XXXX balance and closed. On XX/XX/2020 I paid XXXX XXXX a payment of {$150.00} to have them to remove the incorrect balance that they was originally billing me. Instead of a correction, my credit report ended up showing a new " Highest Balance '' of {$340.00}. I called them again to discuss why they would show me owing a " Highest Balance '' of {$340.00}, when this is a prepaid card and you can not go over your balance. Instead of getting a response I got hung up on. There is no way my I should have a higher balance on a prepaid card of {$200.00}, that does not allowed you to exceed the {$200.00} limit.
08/28/2017	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	TX 77406	Web
My credit card bill was due in XX/XX/XXXX. I made the paid at XXXX on that day. OnXX/XX/XXXX I got a alert on my credit report stating that I was over the limit with my credit card. I was told in the past from first Progress as long as I make the payment by XXXX on due date there will not be a late fee. Which I did. This is a secured credit card and it 's really sad that they are taking advantage of me. It 's my money and even if I follow the guide I 'm still being held responsible. I have a copy of The payment made with XXXX apparently it 's a 3rd party company that excepts there payments. Which is still not my problem. They should not allow a system that they allow to except there payments make the customer late. Thankyou.
05/25/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	AL 35405	Web	Servicemember
Upon checking my credit report and my po box . I see that a credit card is reporting from your company and i am getting bills sent to my po box for this credit card. I was recently in the market of purchasing a house and gave a realtor all of my information including bank information for my deposit/down payment. When i talk to the realtor again i was told that i didn't get the house but i should get a denial letter stating why. instead of a letter i am receiving bills and not only bills payment have been taking out of my account to pay this credit card. i never applied for this card and i didn't give this realtor information to apply on my behalf. the weird thing about this is that i never had this card in my possession.
10/23/2018	Yes	Credit card or prepaid card General-purpose prepaid card	Unexpected or other fees	MS 390XX	Web	Older American
I have sent my complaint to you once and XXXX XXXX did not respond. I got a prepaid card from them, I sent my XXXX dollars in XXXX and the did not send the card to the last of XXXX after I called them several times so when I got the card I just spent my money. I called after I say it reporting on my credit report in XXXX and asked what I need to do to settle this. I was told to send them XXXX. Total with all the other fees I sent those people over XXXX and I only spent the XXXX initially that I set up for credit limits. I have asked them to send me documentation proving that I spent XXXX dollars over the limit with no response. I have submitted this complaint to you all once and have not gotten a response from XXXX XXXX.
09/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28216	Web
I have spoke with XXXX I recently checked my credit because I was one of the customer from XXXX data breached and I noticed that I had several inquiries on my XXXX I sent it letters and proof of my address and identity also at the time of all of the inquiries I had a fraud alert on my account however I was advised by them it was on the third party to verify who I was also they didnt remove the inquiries or provide a document explanation that it was me or they completed a investigation. Then I called back I was transferred twice and hung up on by the manager I advised them I did a FTC identity report they still wouldnt removed the inquiries I just want this issue handled and I feel Im being given basically no options
04/03/2020	Yes	Checking or savings account Checking account	Managing an account Banking errors	FL 336XX	Web
On XX/XX/2019 Synovus completed its purchase of FCB Financial Holdings. I used to have an account at FCB, which I promptly closed ahead of the merger completion date. I've never been a customer of Synovus, neither do I want to be. I have received multiple emails from Synovus that just won't stop and they have no opt out link in them. I have reached out to the local President of Synovus on several occasions ( one of the emails was a welcome letter from him ) asking to be removed from the email spam. Today, XX/XX/XXXX at XXXX I received another email from Synovus informing me of customer wait times longer than normal. I don't care : I'm not a customer. Any emails from Synovus sent to me at XXXX must stop immediately.
12/03/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	TX 777XX	Web
My account with First Progress was reported as 30 days late on my credit, When i called to see why they said for non payment which in fact i was paying the the bill through bill pay with my bank .I gave correct information and the bill was paid the first time not sure what happened after that so i payed the past due amount over the phone with First Progress and contacted my back they refunded my payment back so my complaint is now i have a late payment on my credit and First Progress wont work with me to resolve this I've never been late on my payment and thats the only way they accept payments is through the back for free or {$10.00} service for over the phone so i chose to use my bank.I need help with this please.
04/05/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Struggling to pay your bill Credit card company won't work with you while you're going through financial hardship	NC 27527	Web	Servicemember
I contacted First Progress Platinum Card through their customer service number provide on the back of the card in XX/XX/2021. ( XXXX ). I spoke with a customer service representative regarding the account and stated the I wanted paid the balance and clear the secured credit credit account and removed the card from my credit. The representative stated that he would not take the {$190.00} payment and the account was turn over to collection through they are reporting to the credit reporting agencies. I asked which collection company so I could handle the matter, the representative refused the give the collection company information. I have been unable to pay the amount for months and they refused to resolve the matter.
10/12/2023	Yes	Credit card General-purpose credit card or charge card	Fees or interest Problem with fees	OH 43081	Web	Servicemember
First Progress has been charging EXCESSIVE late fees. I owed a balance after closing the card. The entire balance owed itself was from excessive late fees 3 in a row charged for a balance due less than the XXXX dollar fee. Since then an additional 4 late fees and counting have been charged all on an initial late payment of the first late fee.Nobody should owe over XXXX dollars in just fees on a SECURED card that was closed. The company has charged abusive and wildly excessive fees and i demand the debt be wiped clear unless the creditor can prove why thebfess aren't excessive or show recovery costs to justify charging hundreds in fees on a closed secured card in which the principal balance has been satisfied.
10/06/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	NJ 080XX	Web	Servicemember
First Progress card has applied fees to the account ( annual fee ) without sending a statement of the due balance, then reported the payment as late. Their online system is unable to accept payment at this time and continues to show this. This is the ONLY late payment on any revolving account and it is due to their lack of sending timely statements. I became aware of this due to credit monitoring service. They did this same thing last year, however this year their phone number is not working, and they are uncontactable. This is damaging my credit and causing me harm with their unfair practices by not notifying me of the balance in a timely fashion and having a payment portal that doesnt accept payments.
12/13/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	UT 84075	Web
XX/XX/2022 I sent in a letter to close my account since there is no email or phone number on website to contact First progress.The website informs that it takes XXXX weeks to receive a check with any excess balance which was only a couple dollars I believed. I waited to stop my autopay until I received a letter stating it was closed. In XX/XX/2022 I received a bill. I called the phone number listed on the bill. I asked why there was a balance because my account was closed. They informed me they had sent a letter stating it was closed. There had been a balance which they did not send us a statement on until XXXX. There was also XXXX months of late payments and XXXX months of negative reporting on our credit.
02/19/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Company closed your account	IL 60620	Web
I called XXXX XXXX the middle of last month to close out my credit card. They closed my card and told me I had a final balance which was {$38.00}. They would not accept a credit or debit card payment over the telephone. They only wanted a check or checking information. Before I paid them, I called again to verify the amount, then I sent a check for the amount in the beginning of XX/XX/XXXX. I just recently got a bill that said I owed double the amount. I called the company today and they told me I paid the closeout late fee late, so they charged me another late fee with interest. I as to speak to a supervisor but the customer service agent refused to transfer me and he eventually hung-up the telephone on me.
12/03/2023	Yes	Credit card General-purpose credit card or charge card	Getting a credit card Application denied	AL 362XX	Web
I sent a {$400.00} deposit to first progress credit card company for a secured credit card 30 seconds after they took my money from my bank account. They requested I upload documents because they could not verify who I was. I asked how do you take someones money before you verify who they are, they asked for me to mail my documents to them instead of uploading them I requested my money back on XX/XX/XXXX. They said it would be XXXX to XXXX business days. This is a believe the XXXX th day. I have begged for my money back because its all that I had. They asked me to fax some information but I never got a fax number or what to fax. This company came number one from XXXX. This company is totally 100 % a fraud.
07/18/2022	Yes	Money transfer, virtual currency, or money service International money transfer	Money was not available when promised	XXXXX	Web	Older American
Sent a international wire transfer for XXXX USD changed to XXXX XXXX from Synovus bank, XXXX XXXX XXXX XXXX XXXX XXXX, Fl branch on XX/XX/2022, told usual delivery in 24-48 hours, delivery date XX/XX/2022, to my bank account at XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, XXXX branch XXXX Monies were never received by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. Multiple phone calls to Synovus brought no resolution, I was told by the international transfer department that we sent the money, there is nothing else we can do. Tracking brought no answer, I called the intermediary bank XXXX XXXX XXXX and was told they could tell me nothing since I was not a client of theirs.
11/03/2021	Yes	Checking or savings account Checking account	Problem caused by your funds being low Overdrafts and overdraft fees	GA 301XX	Web	Servicemember
My identity was stolen and is found weekly on the dark web. also, my identity was used to try and claim unemployment in multiple atates. also, my checkimg accounta were frauded and money was stolen with my debit and credit card numbers. my wallet with social security numbers and card, ID, and cell phone was stolen with my tax id numbers. synovis bank ; XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX dept of labor, and XXXX dept of labor was frauded. also mail theft and email with my XXXX XXXX were hacked and compromised. my XXXX email was hacked. i suspect XXXX XXXX and XXXX XXXX were reposible for this. please contct me woth any questions. sincerly, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX or XXXX
01/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 23228	Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S. Code 1681a - Definitions ; rules of construction - Exclusions. -Except as provided in paragraph the term " consumer report '' does not include-any report containing information solely as to transactions or experiences between the consumer and the person making the report, 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
04/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MI 48507	Web
First Progress Credit card was removed from my credit report XXXX as closed. I don't have this card anymore. As of XX/XX/XXXX the company fraudlently added a closed account back on my credit report as a open balance {$160.00} as if I used the card ( see picture ) dropping XX/XX/XXXXdown 52pts and XX/XX/XXXX down 41pts along with XX/XX/XXXX. I would like to have my credit score returned back to where it was. I contacted the company on XX/XX/XXXX. Spoke to XXXX from the company she does not have a clue what happened and understands the error but did not correct the issue over the phone. She stated for me to send a credit report even though they have the account listed as closed. I have contacted my lawyer.
03/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 38141	Web
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX ... XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
02/22/2022	Yes	Money transfer, virtual currency, or money service Mobile or digital wallet	Fraud or scam	AL 36832	Web
I was contacted by a fake number using my bank, Synovuses phone number. The scammer told me someone was making unauthorized transactions from my account. They asked for my username and password to my online banking and got in. After, the scammer sent themselves a total of {$7500.00} through XXXX. I called to make a fraud report and the bank neglected to shut down my XXXX account, so the day after they stole {$5000.00} they were able to get the other {$2500.00}. Filed a fraud report and it was denied by my bank and XXXX. Synovus says theres nothing they can do. I did NOT authorize these transactions or willingly send anyone money. I need to file through Regulation E to get my money back from this bank.
04/21/2023	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	FL 32301	Web
I went to the Synovus Bank located on XXXX XXXX in XXXXXXXX XXXX I had an XXXX XXXX so I decided to deposit it into my checking account at Synovus. I put my debit card in, and then the XXXX Then, the ATM crashed. The screen said " system failure '' or something like that and then it restarted on its own. I never got my card back or the XXXX back. I immediately called Synovus customer service and was given a temporary credit of a XXXX Now, I log onto my account and see that the credit was reversed. After they stole my XXXX I am beyond shocked and disappointed. I am just glad it wasn't a large amount of money. I just want them to make it right by giving me my XXXX back. Otherwise, they are thieves.
11/09/2020	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Fraud or scam	GA 31605	Web
was trying to rent a house in XXXX XXXX ga, the so called owner told us to download the XXXX App to our phones and register then we could self tour the house afterwards we did a rental application with a {$75.00} fee and then we were asked to put a deposit on the house of {$770.00}. the next day the actual rental company called and asked if we liked the house and wanted to rent it. we told them we already did and that is when she informed us we were scammed. totaling {$850.00} unfortunately we sent our money through XXXX with our bank which is instant transfer. which we may no get it back. The guys name was XXXX XXXX, email ; XXXX, phone number : XXXX Contacted our bank, XXXX, Federal Trade Comm.
12/01/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	FL 32940	Web
On XX/XX/2022, I sent out correspondence to First Progress Bank in reference to an account being reported on my Consumer Credit Report and an alleged debt. I requested that the account be verified and full debt validation be completed in compliance with F.D.C.P.A section 809 ( a ) 15 USC 1692g ( b ). Including a official Accounting from the bank and documentation of a contract bearing all party 's signatures. Furthermore, First Progress Bank failed to report that the account is in dispute to the Consumer Reporting Agencies as requested by me in my correspondence. a 2nd notice was sent out to First Progress Bank requesting for this information again as the response received violates me and the law.
01/20/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	GA 317XX	Web
In XXXX, 2009 a friend used my banking information and charged amounts to her cell phone. The charges called an accrual of overdrafts and fees in my banking account. The matter was reported to law enforcement as soon as it was realized. Reports from each agency were turned over to the bank. Reports include the name and address of the party that committed the act. The account was turned over to collections. The agency has been notified multiple times by phone and mail that this account was the result of a crime that was committed. I am mailing ANOTHER copy of all reports via a traceable method to verify that the collection agency receives the information as well as to the credit reporting agencies.
06/27/2022	Yes	Checking or savings account Checking account	Closing an account Can't close your account	FL 342XX	Web
I received a notice of dormant account on XX/XX/22 saying if I don't reactivate it I will be charged. I immediately called the bank and requested the account be closed so I would not be charged. I spent over an hour with them telling me I can not close with a balance and I needed to visit a branch. I explained I am living abroad and can not visit a branch and wanted them to issue me a check for the balance in the account and mail it to my home address and close account and they again said they could not do this. I've attempted to set up a transfer on their site but every time it say contact customer service and we go through all of this again. I just want the account closed and my funds returned.
07/27/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Company closed your account	IL 60462	Web
On XX/XX/2022 XXXX XXXX had sent a letter to me requesting that they needed an original statement of the bank account used to fund the security deposit. Since it has been close to 2 years I could not locate that information. The letter indicates if they do not receive an original statement of the bank account used to fund the security deposit account they will then close down my account. On XXXX XXXX. XXXX XXXX closed my account. I have a {$2000.00} security deposit. Customer service said it could take over 13 weeks to get my security deposit back. The account is paid in full and I am concerned that I will not get back my security deposit. A derogatory mark could land on my credit report
07/15/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NV 89074	Web
I had a deferred interest loan/card with Synovus Bank / XXXX XXXX XXXX - I paid account IN FULL - before it was due, and that balance was over 45 days ago. The company REFUSES to accurately report my balance to the credit bureau as {$0.00} balance. When calling, I am told the only option I have to report {$0.00} - which company verifies my balance is indeed {$0.00} is to CLOSE the account. In both instances - closing my account as well as FAILING to report my ACCURATE balance hurt my credit score and financial image. I want the account to be open, I may need a product using this company in the future. However, regardless, they have a duty to accurately report my balance to all 3 credit bureaus.
05/05/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Delay in processing application	RI 02889	Web
I applied for first progress XX/XX/XXXX, they immediately took the money out of bank account and I paid the XXXXrush fee to receive my card in 3 business days the application stated when my money clears I will receive my card I paid a total of {$210.00} and I would have XXXX on my card. Today XX/XX/XXXX I still have not received my card? But I will be paying interest on card I have never received or used due to this card it arriving in time I can not the company unless I write to them which will delay this process even more how am I ever going to resolve something without phone contact? I contacted my bank to see if I can dispute to get my money back and close the card I do not want at all now!
06/19/2017	Yes	Credit card or prepaid card General-purpose prepaid card	Trouble using the card Trouble using the card to spend money in a store or online	FL 32720	Web	Servicemember
1. When I call the Customer Service number, there is no way to get to a human being. 2. There is an option about 5 minutes into the recording that says press 6 for customer service, but after it again, gives you your balance due and offers to take a payment the phone always disconnects. 3. Web site has consistently been down for over 45 days now. I have proof that I would like to submit. 4. If you try to contact them online, there is only an option to apply for this card or a link to go online for customer service, but it takes you back to their site that claims that Here is the exact wording : " The Customer Center is currently offline for maintenance. Please tr again later. '' Please advise.
05/02/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Can't close your account	IN 46112	Web
I paid off my card balance in XX/XX/2023 and mailed in a request to close my account at the same time as they kept charging fees and not sending statements so I did not know I owed anything. They cashed the check and did not close my account. I have not received any statements asking for payment or any account information and they just reported a balance of over {$100.00} and a late payment to my credit report. This account was at {$0.00} when my check was cashed and account was to be closed. This account was supposed to help my vredit and their fees and not sending statements has significantly hurt my credit. I have not been able to contact them to close the account or even get a statement.
12/05/2023	Yes	Credit card General-purpose credit card or charge card	Problem when making payments Problem during payment process	FL 33328	Web
I pay my balance off well before the due date every month via phone because it is the fastest and I save {$10.00} processing fee they charge. On XX/XX/XXXX at XXXX I paid full balance {$190.00} via my checking account. Confirmation # XXXX it was taken out of my XXXX XXXX XXXX account at XXXX on XX/XX/, transaction # XXXX. As of today XX/XX/23 XXXX First Progress has not updated my account or made those funds available. Why do they need to hold these funds. They have cleared, in their possession and have no previous incidents of non payment etc to be punitive. I was those funds available asap and to be reported as a positive full balance payoff to the 3 credit report agencies immediately
12/13/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	CA 90043	Web
first progress had XXXX account # XXXX # XXXX acct # XXXX that they alleged that i owe i ask them to send some type of agreedment i had with them in they sent paymnent history i do not owe this debt please have them to verify the debt i also made a call with the company they transfer me to relant collection when the rep had a very nasty attitude as i told her i want them to stop cease and assist any reporting she than said 1st progress has the debt but not collecting in it and she has no knowledge on the above references hung up on me please help me to related the messages to show proof of the debt. also to remove all information i sent a ftc report in a police report they did not hornor.
09/11/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 770XX	Web
I AM A VICTIM OF IDENITY THEFT 15 US CODE 1681 C-2 A CONSUMER REPORTING AGENNCY SHALL XXXX THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM ALLEGED IDENITY THEFT, NOT LATER THAN 4 BUSINESS DAYS AFTER DATE OF RECIEPT.IT HAS BEEN 30 DAYS AND YOU ARE IN VIOLATION OF THIS LAW BECAUSE IAM A VICTIM OF IDENITY THEFT!! PLEASE DELETE THE FOLLOWING ACCOUNTS 1 ) FIRST PROGRESS CARD OPEN XX/XX/XXXX ACCT XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ACCT XXXX THESE ACCOUNTS SHOULD NOT BE FURNISHED ON MY CONSUMER REPORT AS THEY ARE IN VIOLATION UNDER 15 US CODE 1681 B NO CONSENT IDENITY THEFT PLEASE REMOVE AS COSMER I AM DEMANDING DELETION
03/06/2020	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Money was not available when promised	TN 38117	Web	Older American
On XX/XX/2020 my XXXX XXXX XXXX checking account electronically forwarded {$1000.00} to the First Progress to open a secured credit card with Synovus Bank. On XX/XX/XXXX First Progress sent me a letter requesting for a bank statement within 15 days. I did not send any information then First Progress claimed that it sent my funds back to the XXXX XXXX account. My bank account does not indicate that First Progress never had sent any money to XXXX XXXX or my account does not show any funds returned prior to the account being closed on XX/XX/XXXX. I filed a complaint with the XXXX XXXX XXXX and the First Progress stuck to its statements that my money was either returned to my bank.
10/24/2017	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Can't close your account	MO 63135	Web
Re : First Progress XXXX. XXXX XXXX XXXX XXXX, TN XXXX Card Number : XXXX I opened an account for a secured card with First Progress for {$300.00}. I had to Deposit {$300.00} cash for them to open an account for me. I closed the account and First Progress never refunded the {$300.00} cash Deposit and they kept adding fraudulent bogus charges to the account After it was closed now the account is showing I owe them {$580.00}. I owe them nothing and again they never returned my deposit of {$300.00}. I want this account to show at all 3 credit reporting agencies That I owe them nothing and I want a return of the {$300.00} cash deposit That they received from me. Sincerely, XXXX XXXX
04/18/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	PA 184XX	Web
I called first progress credit card to let them know they were taking fees out even though my card was being paid, which I have legal documentation that all the money was coming out and being paid to them. they kept tacking on charges the entire time they told me they could only remove one charge even though I paid the card multiple times. Then they tax on a late fee after my card was already paid in the full balance of {$100.00} they have been stealing money from me the entire time Ive been paying my card. then he proceeded to tell me that I owed a balance, and that he would not be returning it. This is the worst way to start your credit out because theyre stealing from individuals.
04/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MD 21224	Web	Older American, Servicemember
My credit score dropped drastically XXXX points this month because of 1 inaccurate reporting to the credit bureaus. On my application there was a box I checked off that said I am certifying that I am over XXXX and want all relevant emails for this account. All the necessary contact information was provided. That has never been done. They havent given me any notice beforehand of any problem. It would have been different if I had ignored their emails. They can not show that 30/60/90 Day period I was made aware of any problem and that I kept ignoring them. They did not give any notice of any type. I am protesting their money grabbing tactics to make money. I feel exploited.
03/20/2023	Yes	Credit card or prepaid card General-purpose prepaid card	Problem getting a card or closing an account Trouble closing card	GA 30223	Web
Closed account on XX/XX/XXXX and was told to fax a request and the refund of my {$350.00} deposit would be issued in XXXX weeks ; otherwise it would take XXXX weeks. I faxed the request that same night as I closed the account. It has been right at XXXX weeks and no refund. I called today and they told me they see it was closed on XX/XX/XXXX ( and i have a letter from them via usps stating this also ) but he saw no refund had been processed. He was going to speak with his supervisor but " they are all on the phone but I will have one of them call you back ''. It has been XXXX hours and no return call so I am asking for your help in getting my {$350.00} refunded to me immediately.
08/09/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	CA 94501	Web
I discovered that I had fraudulent charges on my First Digital MasterCard on Tuesday, XX/XX/2022. I also noticed the same day that my credit score had dropped due to overuse of my card. I then contacted the company via the number on the back of the card. They said that the card had been cancelled and they had mailed a packet to me to argue the charges but also said that I am responsible for all charges until the dispute had been settled. I was told by the number provided by the FTC that I am only responsible for non-disputed charges which was not mentioned by the XXXX XXXX representative. XXXX XXXX said that they have issued a new card but I have not received anything from them.
05/29/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MI 48124	Web
I have sent two different letters with supporting documentation, and instead of reporting the information the correct way. They went back a whole year and totally reported incorrect information nine tines ( 9x ), in addition to adding a comments of me being late multiple times with 30-90 day marks. This is INCORRECT, this account was closed owing no money back in XX/XX/2018. I have asked them to correct it and they keep putting LIES on my report causing my score to drop by XXXX. If an account was closed in 2018 how is it being reported now with TONS of incorrect information. I was trying to buy a house and this reporting has totally stopped it all, angry is an understatement!!!
05/17/2022	Yes	Credit card or prepaid card Store credit card	Problem when making payments You never received your bill or did not know a payment was due	NY XXXXX	Web
This company is unethical I feel. I tried making my payment today because it is the first bill I have received even though I have tried before to make the payment several times. I do have screen shots and can email them upon request, as your system doesn't seem to be to swift in uploading pictures or videos XXXX XXXX XXXX Statement says I owe nothing but that is not true XXXX XXXX : I called to report an unauthorized charge several months ago for an XXXX from XXXX that was never delivered. I never received a provisional credit and the expense never came off the bill. I was put in XXXX got XXXX, and then had to move to XXXX to help my XXXX Dad who unfortunately died of XXXX.
05/17/2022	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	IL 623XX	Web
First Progress BankXXXX XXXX XXXX Bank was my first secured credit card account. When I closed the account they told me I could spend my deposit and theyd send me the remainder in the mail, which is exactly what transpired. I spent about {$170.00} of my {$200.00} and they sent me a check for the remaining {$19.00} ( after all their processing fees ). Then proceeded to charge my card with annual fees and processing fees after I had already closed the account and received my check. Now they claim that I owe them {$170.00} in late fees and processing and I do NOT. I closed the account days before any of those fees were ever applied, I would like it removed from my credit report.
11/12/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IL 60411	Web
I have an old credit card account with First Progress from XXXX. In XXXX filed ChapterXXXX bankruptcy. First Progress was listed as one of my creditors set to appear at the Bankruptcy " 341 meeting '' in XX/XX/XXXX. First Progress never showed up for the meeting. I was reviewing my credit reports and notice that they are trying to collect on that old balance. I have asked the credit bureaus to list the account under bankruptcy which they did, yet speaking with my attorney since they received notice to attend the Bankruptcy " 341 meeting '' in XX/XX/XXXX, and they did not respond they foregone their right to collect on this debt and it must be removed from all my credit files.
06/01/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Can't close your account	CA 90020	Web
This was for a credit card with XXXX XXXX XXXX, the card was never received and after numerous calls to have the account closed and a refund issued they have not done so. Calls were made to the merchant on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX - XXXX and XXXX. Application approval # : XXXX. Application fee for a credit card {$95.00}, and expedited shipping for {$35.00}. Call center employees indicated they would send my request to the back office and it would be rushed. Filed a dispute with my bank XXXX XXXX on XX/XX/XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX
03/11/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Seized or attempted to seize your property	UT 84119	Web
XXXX XXXX XXXX stated they were not a debt collection company. They were working to negotiate a resolution for a debt that was from 2004. The first woman was very rude and kept hanging up when I tried to get additional information. They have called my mother, wife, father, and one of my brothers ( at this point ). I did ask them to stop all contact. I still have no idea what the supposed debt is for. The representative also told me that they are going to do a review of my assets to determine what they will take to resolve this and that a public judgement will be issued against me that my neighbors can see. I believe this is a scam and not sure of this is a reputable company.
01/30/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	CA 92647	Web
I had sent over dispute and credit validation letters to all three credit bureaus and directly to each companys address. On the date of XXXX XXXX to all three credit bureaus. I didnt not get any credit validation, I just got basically my credit report from each just stating its remaining on my credit with out verification or proof! I then sent dispute and credit validation letters on XXXX XXXX and on XXXX XXXX to all three credit bureaus and main reporting companies on the account and got the same results no proof of validation or verification! I just got back basically my credit report and for the credit validation I never got any reply from any of the reporting companies!
04/08/2017	Yes	Credit card	Identity theft / Fraud / Embezzlement	WA 98391	Web
I recently took advantage of a suggestion off of XXXX to rebuild my credit. I made application with First Progress for a secured credit card. They took {$300.00} out of my business checking account in XXXX. I have called and asked for the funds to be returned as I never received the credit card. They said they would refund but they never have. They also took {$200.00} out of my daughters bank account and she never received the card. ( SEE COMPLAINT # XXXX with your office ) There appears to be a pattern of fraud, deception and embezzlement. XXXX should also have some liability in this as they are featuring this entity as a go to bank to rebuild credit or get first credit.
10/01/2022	Yes	Checking or savings account Checking account	Incorrect information on your report Account status incorrect	FL 33351	Web
An account was fraudulently open in my name at Synovus Bank. I was made aware after the account was overdraft. I went to the ban on several occasion, Met with different bank managers who guarantee me that it would have been address and since XX/XX/2022. To date I've been getting collection letter and reporting to Synovus letting you know the situation the isn't resolved.. I open a complaint here and was told it was address and my credit should not be impacted. Well that was a lie as my credit got impacted for collection in the middle of me doing a housing transaction. COMPLAINT ID XXXX SUBMITTED ON XX/XX/2022 They claim it was address but it's not. Please see attachment.
02/27/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Can't close your account	CA 94806	Web
If consumer closes an account and demands it to be removed or deleted from his credit report and there's no financial obligation left on that particular account, credit bureaus and credit card companies should be forced to remove account if its requested by the credit card holder. I closed two of my accounts : XXXX XXXX XXXX and XXXX XXXX XXXX, because of high interest rates and frivolous charges that were being applied monthly and yearly. Both of these credit card companies are still on my credit report and showing late fees that is most definitely affecting my credit and hindering my chances of securing a loan for my daughter 's education in the future. Thank You!
05/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	OH 44135	Web	Servicemember
For the past few months I have been working with a realtor to become a first time home buyer. As the realtor been running a soft credit check there was problems with all 3 credit bureaus. I was able to fix the problem with XXXX and XXXX. I have called XXXX several times stating that I have an open credit card account with XXXX XXXX since XXXX of 2022. XXXX has tagged my credit report with unable to receive a score and I am unsure why? I have also faxed a letter to XXXX XXXX to make sure that my account is being reported to all 3 credit companies. I have spoken with a customer representative four or five times and it is exhausting not knowing what I should do next.
08/03/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	TX 76001	Web
I am disputing an account with Fist Progress. I have asked for validation in which the response did not show a contractual agreement bearing my signature. The most recent letter was sent on XX/XX/2023. The account shows inaccuracies with the date opened, credit limit, date last active and the date of last payment. I am requesting for the inaccurate account to be DELETED off my credit report. It is reporting to XXXX XXXX and XXXX I initially contacted the credit bureaus that the account was reporting to and since an investigation was to be done First Progress has not deleted or tried to rectify this situation. The account does not belong to me and must be deleted
02/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 344XX	Web
XX/XX/XXXX I filed a dispute with the XXXX XXXX XXXX agency, and I also contacted the creditor and sent all documentation that was needed to support this dispute. and the fraudulent item is still reporting on my credit report after the creditor First Progress Card sent me a letter stating that it was being removed. and as of XX/XX/XXXX, FIRST CREDIRT PROGRESS WAS STILL REPORTING INACURRACTE INFORMATION ON MY CREDT REPORT.AND XXXX IS VIOLATING THE FAIR CREDIT REPORTING ACT SECTION 611 ( 5 ) a ) OF THE FRCA. I HAVE ASKED THEM TO SEND ALL VERIFIY DOCUMENTS WITHIN XXXX DAYS AND THEY HAVE NOT APPLIED AND I HAVE ASKED TO REMOVE THE FRADLUENT IT OF MY CREDIT REPORT.
06/09/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Can't close your account	MN 55407	Web
I contacted the company about fraud on my account. They stated they would refund the money and adjust my statement accordingly while sending out a new card also. They sent out the card with the same numbers and never reversed the balance of the account ( back to {$0.00} ). I made several payments thinking they had done so but the balance never changed. When I contacted them a 3rd time they said they saw I reported the fraud and things were already adjusted on my account. I stated that I hadnt used my card since the reporting and yet I still had a the same balance with no new charges, the guy I talked to said Im not sure whats going on before the line went dead.
12/31/2016	Yes	Bank account or service Checking account	Making/receiving payments, sending money	FL 321XX	Web	Older American
On XX/XX/2016 my bank ( Synovus XXXX XXXX XXXX XXXX sent me an e-mail stating a check I had authorized was not cashed ( as the date had expired ) so my account would be credited. On XX/XX/XXXX I called said bank ( talking to XXXX in customer service ) advising that my acct was closed so they would have to issue me a direct check. She was to call me back. On XX/XX/XXXX I called again as they did n't & talked to XXXX explaining all. He said check would be a re-issued within a week. On XX/XX/XXXX I called again & talked to XXXX who said check was sent to my former address on XX/XX/XXXX. Said would re-issue to my new address. I still do n't have my money!!!!!!!
09/06/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Struggling to pay your bill Credit card company won't work with you while you're going through financial hardship	NC 28227	Web
I was sick with XXXX and was not able to make my card payment. I called them to and paid half of the balance off and set it up for automatic payment I ask them to waive the late fee and remove the late payment but it has not been done as of yet. Date Reported XX/XX/2020 Payment Status 30 Days Late Amount Past Due {$29.00} Account Details Bureau Name FIRST PROGRESS CARD Account Type Credit Card Responsibility Individual Credit Limit {$600.00} Credit Used 55 % Highest Balance {$330.00} Payment Details Amount Past Due {$29.00} Date of Last Payment Not Reported Monthly Payment {$40.00} Payment Frequency Not Reported On Time Payments 100 % Worst Pay Status Current
01/09/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Delay in processing application	IL 610XX	Web
During my application process as part of getting it I sent a XXXX dollar deposit to the company first progress. The amount was charged and taken by the company and I have never received my card. When I looked the application it needed a copy of my driver 's license which was expired XX/XX/XXXX because I needed to renew it but because of covid-19 closing the DMV in my area I can't get it renewed. So since it's expired the company denied my application but never returned my deposit and I still don't have my card. I futher more want to cancel my application and want me {$300.00} returned. There is no contact number or option on their website to fix the problem..
07/12/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	NE 681XX	Web
On XX/XX/2021 I sent XXXX a cease and desist stating to stop all illegal activity and stating my demands one being to send an audit trail so I can dispute the validity of this consumer credit transaction. I have yet to receive any correspondence from XXXX as the consumer and natural person when I exercise my right to validate an alleged debt the debt collector shall let it be known that they have received said correspondence and that they are or have investigated pursuant to 15 USC 1692g my rights to validate the debt has been violated. I have attached proof in EXHIBITS A and B of green receipt. I also have attached original correspondence as well Exhibit C
12/12/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Trouble using your card Can't use card to make purchases	VT 054XX	Web
There has never been a missed payment on this card, but on 3 separate occasions First progress has dinged my credit for 30 day lates. Now I can not use my card even though there is available balance, and a recent payment. When I called the company they said its because of a missed payment, but even there online service shows the made payment and the customer service agent can't figure out why my card was being declined. My understanding is this is not a legitimate or legal procedure I asked to close the account and they stated it would take 14 weeks to do that, they will not let me talk to anyone else at the company, nor transfer me to a legal department.
06/17/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	FL 34785	Web
I received a telephone call in XXXX of XXXX from XXXX XXXX XXXX concerning a debt from XXXX that I had no knowledge of. They sent me a letter that I had a " XXXX XXXX XXXX visa '' account ending in XXXX, last statement dated XX/XX/XXXX showing a balance of {$9200.00}. I have no knowledge of this account and have in fact never even been in a XXXXXXXX XXXX store, I had to XXXX it to find out what it was. I will attach their letter and the letter I am sending the collections agency in response. The alleged debt also clearly exceeds the statute of limitations on debt collection based on the Federal Fair Debt Collection Practices Act 15 U.S.C. ss. 1962 et seq.
10/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IL 60612	Web
First Progress has cashed a check for the amount of {$100.00} that was a pay for delete agreement written clearly and largely visible on the front. The check number was XXXX dated XX/XX/XXXX. This item was never deleted and in fact it was last reported XX/XX/XXXX this account is reported on a monthly basis and should not be! This account was labeled as a charge and is consistently reporting and has had me turned down for many things due to the fact it shows recent delinquency and that is incorrect! XXXX looks to have delete this item after contacting them in regards and providing proof. However this account continues to negatively report to XXXX and XXXX.
09/01/2023	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	FL 32034	Web	Servicemember
Me and my husband got a loan then it was hacked by the person he did not sign anything. The hacker put the money in. In the meantime the bank said even tho it was hacked we still have to pay it back. The bank name is Synovous. They gave us a new account so we thought things were good come to find out when his SSDI and veteran pay came in the bank took it and won't give us nothing. My husband is a XXXX veteran and needs his money. We both didn't know this was fraud. The hacker is from North Carolina and has been taking people money we found out later. If you can help us it would be appreciated. I have done all I can do and so have my husband. Thank you
05/09/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	NJ 07621	Web
MY account number was listed wrong on here and I called today and they told me that my account was good. Then they saw two late payments on there and the lady on the phone helped me out and got it taken care of. I made a payment on XX/XX/XXXX and I don't know what is going on. If my payments are being reversed when my account is good then I am not sure what is going on. Please help me in removing these late payments because it is not my fault and I don't want this error to haunt me for the rest of my life. I told the lady on the phone and she said its not like you weren't trying to make the payments so dispute it and we will remove the late payments.
02/03/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	NY 10457	Web
I applied for a secure credit card with a {$200.00} balance. My account was closed with a full balance and there was never a refund issued. I called and spoke with a customer service representative and was told a refund should have been issued because 10 weeks have passed since the account was closed. I was then told to send a fax with my name and account number for a refund. I sent the fax and also mailed a letter with my information to obtain a refund. It has been more than 4 weeks since and I have not received the {$200.00} refund. I called customer service, and the representative could not provide any updates or information regarding the refund.
11/19/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX XXXXX	Web
I had a credit card balance with first digital, I paid the entire balance and requested closure of the account they closed it but still reported the account as a charge off and i called them they said they dont charge off accounts until 120 days late but on my credit report its inconsistent, my credit report is showing account in good standing on XX/XX/XXXX, then past due 30 days XX/XX/XXXX on XX/XX/XXXX in good standing again then on XX/XX/XXXX i called to pay the whole balance but the month the entire balance was paid yet its listed as a charge off. They informed me they charge off accounts after 120 days so there should be no charge off listed.
06/14/2017	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	IN 471XX	Web
I obtained a secured credit card fro m First Progress Card i n XXXX of XXXX . I kept it until XXXX of XXXX . I called to close the account and the rep stated all I needed to pay is {$40.00} and I would not owe any other money and the account would be closed in good standing with no additional monies due because my security deposit would take care of the rest of the balance on the account. Now they keep billing me fees that I do n't owe. and have even gone as far reporting a charge off on my credit report. It is very difficult to reach someone on the phone with this company. I have complained to each of the XXXX bureaus on this matter.
11/27/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	AL 358XX	Web
If I have recently made a payment the SYNOVUS credit card website will not allow me to make another payment. I have other CC accounts that let me pay on them everyday if I so choose. I have spoke to SYNOVUS several times about this issue but I get no response. They have even declared me dead, closed my account, took away all of my rewards points and I never even got an apology. Back to the payment issue - it is my understanding that a creditor can not refuse payment of a debt or am I misinformed? I really do not understand their behavior, I have never been late and I always like to pay my balance early so I do not accrue any interest charges.
08/12/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	GA 30114	Web
On XX/XX/2020 I made a payment to First Progress Credit Card via XXXX at XXXX my Transaction ID # XXXX Refernce # XXXX. I received my XX/XX/2020 statement and my XX/XX/2020 payment is not reflected. I called On Monday XX/XX/2020 and spoke with a customer representative and did not get anywhere. I mailed in a copy of my receipt as of today to First Progress along with a money order for my balance on my account. I have two accounts with First Progress Credit Card. I would like my account to reflect my {$40.00} dollar payment as reflected on my receipt and I would like both of my accounts closed and refunded a total of {$400.00} mailed to me ASAP.
11/09/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Trouble using your card Can't use card to make purchases	FL 34769	Web
The company is XXXX XXXX, I've been trying to contact this company for more than a month because I can't use my credit card and there is credit available. The phone number listed on the back of my card never has a live person available no matter what day or time of the day it is and that is the only phone number available for this company.This company is very sketchy, it is prepaid because I gave the XXXX dollar to open this card about 3 years ago to help building credit and never a credit increase or nothing. Just interest charges for an account that I barely use because is only XXXX dollars. I just want my money back and this account closed.
06/12/2021	Yes	Credit card or prepaid card General-purpose prepaid card	Problem getting a card or closing an account Trouble closing card	NC 280XX	Web
I got a secured credit card from first progress I tried to make a payment Over the telephone and they would not take my bank card they wanted my routing number And account number and I did not want to give them my bank formation So they would not take my payment and they turned it on my credit report I asked them to take it off of my report because I paid the card off and close the account and they still wont take it off I dont understand what difference it made whether I pay them with my bank card I dont understand why I had to give them my account number and routing number I want that off my credit report please and thank you for your time
04/01/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Can't close your account	IN 46226	Web
I open this credit card account with money from own account during the pandemic i was unable to keep paying it so it went bad they close my account and sent it to collection, when i got back to my feet i called them t resolve it they sent told me they had already sent it to the collection agency i called the collection agency i paid them but they had a different amount then the company has when i called the company the company told that i didnt pay the right amount so they kept a balance of {$39.00} on my account that cant seem to come off. the collection agency tld me they have no record of my account and theres nothing they can do for me.
05/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33015	Web
For the past 9 years, my credit profile has been consistently targeted by hackers who have used my personal information to fraudulently obtain car loans, credit cards, and other loans without my consent. Despite reaching out to the companies involved, I have not received any positive results. This constant breach of my personal information has caused significant hardship for me and has negatively impacted my credit score. Therefore, I am requesting that all creditors remove any negative information from my credit report that was the result of these fraudulent activities. I would greatly appreciate your help in resolving this ongoing issue.
08/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 92009	Web
XXXX XXXX XXXX ( XXXX ) secured credit card ending in : XXXX. URGENT! I recently had my credit pulled to get pre-qualified for a home loan, however, I was denied due to an error in your reporting of my old First Progress secured card account. My scores are XXXX points lower than they should be because you are reporting inaccurate data to my three credit bureaus. My account was paid in full when I closed my account as I no longer wished to have a secured credit card. The {$4.00} balance has to be an error. I haven't been successful in reaching a customer service rep as it seems to be impossible to talk to anyone at First Progress.
03/18/2023	Yes	Credit card or prepaid card General-purpose prepaid card	Unexpected or other fees	GA 310XX	Web	Older American
1st Progress failed to send monthly statements for several months and then reported late payments. When I contacted them to get it straightened out they could not verify that statements were ever sent out. when they reported late payments my credit score went from XXXX to XXXX over night. Prior to this we has excellent credit. No late payments, no exceptions. Please se to it that these folks admit their mistake and correct my credit file restoring my good name and good credit. if you check my history you will see how hard I worked to build an excellent status in my credit file. we pay all our bills on time. Thank You XXXX XXXX XXXX
07/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 34986	Web
In XXXX, I missed a payment to First Progress and just gave up on paying, due to life issues. I got a call from a debt collector in XXXX asking for the payment. I paid the payment, thinking it would go toward the debt. It didnt. First Progress continues to open and close my account every month or so. I paid the {$60.00} through XXXX to First Progress on XX/XX/XXXX. At the time, my account still showed open. They are now trying to say that the {$60.00} has been written off, despite my account being now being open and despite them having accepted my {$60.00} yet again. I have now paid them {$120.00} and am still showing {$60.00} behind.
05/27/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Problem with customer service	MD 21222	Web
I opened an account with first progress credit card company in hopes to repair an fix my credit. Since i have had this card i have paid my bill on time and weeks before my bill is due and they continue to hold my payment saying that the bill wasn't paid i show on my bank statement that the money was taken out, i recently paid my bill on XX/XX/2020 showing it shows on my bank statement and up unitl now it has not been posted to my account even after i spoke with a representative telling they received my bank statement that i faxed over. Its now XX/XX/XXXX and there has still been nothing done to fix this situation with first progress.
01/04/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	CO 802XX	Web
I was sent an offer for a XXXX XXXX Mastercard. It is offered at 35.99 % interest, an intro fee of {$95.00} you have to pay before the account will even open, an annual fee of {$75.00} for the first year ( and only a {$300.00} credit line ) and {$120.00} in annual charges every year after that. This is an absolutely criminal amount of fees for a card trying to help someone establish credit. There would be {$2.00} in interest on the first bill just from the 35.99 % of {$75.00} in fees. You havent even bought anything, but youve paid {$95.00} in a program fee, {$75.00} in annual fee, and {$2.00} in interest. This would not help anyone.
06/23/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33510	Web
i contacted a phone number because i wanted to get the first time home buyer grant they told me to call another number i did and they asked me for my id and ssn after that i received an email saying that they approved me for a home loan but nothing about the first time home buyer program they checked my credit score and my wife credit score without our authorization we are allready qualified with a lender i dont understand why this people pulled my credit if we didnt ask for the we wanted to get the grant for the money for first time home buyer they lie to us so i want to make a complaint if you can contact me in XXXX will be great
10/06/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	CA 90302	Web
I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The 3 Credit Bureaus are reporting inaccurate information on FSTPROGRESS ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. I tried contacting the 3 Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the charge-off was posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
02/04/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Account information incorrect	NY 11213	Web
This XXXX/SYNOVUS XXXX account is reporting derogatory information as reported in my Credit Bureaus. The first being with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below is inaccurate. The Credit Reporting Agencies has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. XXXX/SYNOVUS XXXX
05/16/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Can't close your account	AZ 85226	Web	Servicemember
I closed this account and was told everything was resolved on XX/XX/2021. I was told that I wouldn't receive a bill. This is now reporting to the credit bureau that this account is delinquent. This account should have never reported to the burearus because this account was never opened. I submitted the deposit and they never sent the card. Then I finally got approved almost a month later. By that time I had called the bank to report it as fraud. I received the card and I was told that the card couldn't be used because there was no money on the card. I told them to make sure to close it and I was told that it would be closed.
09/10/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 441XX	Web
You are in Direct Violation of The Fair Credit Reporting Act ( Account Name & Number ), has violated several of my rights. 15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting age can not furnish an account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
03/15/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33145	Web
There is an account on my credit report that is listed under First Progress, opened on XX/XX/2015 with a balance of {$200.00}. I previously disputed this account and received copies of billing statements as validation of the debt. My issue is that I previously contacted this creditor and requested that they close the account and return my security deposit. The account closure was not processed by First Progress, which led to the account being charged-off. This was completely erroneous on their end as this account should not have been kept open and my deposit should have been returned to me, which I did not received.
12/22/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NY 11379	Web
On XX/XX/21 I paid off my mortgage with Synovus Bank. I was told to expect a payoff letter within 60 days. I did not recieve this letter and called on XX/XX/21 to check the status. I spoke with XXXX XXXX who said she would email it to me. Still did not recieve it and left 2 messages in XXXX and another on XX/XX/21 to notify XXXX XXXX and asked for a return call. XXXX XXXX does not respond, I called again on XX/XX/21 however this time to XXXX. XXXX stated that she would send a message to the mortgage department and someone will call me. I am continually being ignored by this company and I still don't have my payoff letter.
03/26/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	MO 63119	Web	Servicemember
The account was not opened under my permission. I Resolved account and had it closed in XX/XX/XXXX reflecting a balance of {$0.00}. XX/XX/XXXX this company 1st PROGRESS/TSYS/VT -- XXXX XXXX XXXX XXXX 6 months later in XXXX reported a difference balance to the account increased from {$0.00} to {$320.00} in addition yo 120 day late payment. This company is in violation of the Fair Credit Reporting Act and shouldn't be allowed to change data on a closed account without communicating the information 1st. I'm requesting that this account be completely removed and the blocked from reporting information that don't belong to me.
05/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	CA 94578	Web
On XX/XX/XXXX First Progress removed a charge off account from my XXXX credit report after I disputed it. On XX/XX/XXXX I made the full payment for the remaining balance of {$140.00}. On Monday, XX/XX/XXXX First Progress added a charge off account to my XXXX credit report and marked it paid closed collection/charge off. This is absolutely illegal for them to do and very unethical. Im requesting this account be removed in total from all 3 of my credit reports! Not only has this affected my score but added a negative reporting to my credit. This account was NEVER in collections and wasnt sold to a third party agency.
06/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 318XX	Web
I have an inaccurate account furnishing on my credit report. It is canceled debt, the company in question had filed on their taxes. But they are also reporting on my credit report as debt. This company was also suppose to send me a 1099C form to file ordinary income. Now this is a VIOLATION of 15 USC 1681eb. Maximum possible accuracy of the information on my report. It MUST BE DELETED IMMEDIATELY! The account is XXXX i want this account removed IMMEDIATELY. It is vital to my well being and my livelihood that my credit report is correct. Unauthorized items Synovus bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
08/29/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	GA 30075	Web
On my credit report, there are 2 different amounts reported for the exact same account. I do not owe that amount of debt for a previously charged off account Synovus is trying to harm my credit report erroneously in order to harass me and make me pay more money than I owe by placing inaccurate account son my report. I have tried multiple times to dispute this with them and request proof of the debts but they have failed to provide me with any proof. The original account is being reported under # XXXX. Since I have began disputing the account, they have created the account # XXXX to add additional debt and history.
08/01/2016	Yes	Credit card	Identity theft / Fraud / Embezzlement	FL XXXXX	Web
I have contacted First Progress Card as well as XXXX to advise them that i am a Identity theft Victim and that this account does not belong to me. However, First progress insists on verifying this account Electronically to XXXX when i dispute it. I have requested that they validate this debt ( Not simply Name. address, DOB ) and have received no response. I forwarded a copy of the FTC Affidavit as well as the Police report to them and still nothing has happened. I 'm being told that " its still with an investigator '' by First progress and XXXX is saying that its been verified. Police Report # XXXX / FTC # XXXX
10/23/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	MO 641XX	Web	Servicemember
FIRST PRROGRESS was informed that a prepaid card acct was fraudulently opened under my name and {$500.00} stolen from me in XX/XX/2021. After weeks of calls, they finally submitted a fraud report and ultimately settled in my favor. My XXXX was taken out, I disputed with my bank and ultimately First Progress was allowed to keep my money. I want either my bank, XXXX XXXX, or First Progress to refund my XXXX money immediately. First Progress claims they don't have it, but the bank cleanly shows they do. I have a XXXX son and can not afford to lose this money. I am a month behind on rent since this happened!
03/16/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Company closed your account	WA 98503	Web	Servicemember
As part of this work, the Civil Rights Division is tasked with enforcing the Servicemembers Civil Relief Act ( SCRA ), 50 U.S.C. 3901-4043. ... The SCRA is a federal law that provides protections for military members as they enter XXXX XXXX. The funds applied to the card are though my personal trust fund. The company had not sent out any mail regarding late payments to the address on file and felt obligated to report to the credit bureaus negativity effecting my credit score and security clearance as a federal employee. I do not agree with the companies policy of waiting 10 weeks to receive my refund.
11/24/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments You never received your bill or did not know a payment was due	MA 01844	Web
Happy XXXX and Happy XXXX! - How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late payment on XXXX and XX/XX/2020 for 30 or 60 days. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
08/06/2016	Yes	Bank account or service Checking account	Account opening, closing, or management	CA 92346	Web
I just lost a job because of financial set backs. So after call First Progress credit card ( synovus bank ) to discuss my situation. I was informed there was nothing they could do. Synovus Bank from then presist with reporting my pass due credit accout to all the major credit card companys 4-6 times for two months in a row. Forcing my credit to drop XXXX points in that 2 month period. I was unformed by the company that it was legal action. But I dont believe it at all. For the few months that I was current and paying extra there was attempt by the bank to report those positive transaction 4-6 per month.
04/06/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 76014	Web
FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.
04/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MD 21117	Web
My XXXX XXXX Bill showed a balance of {$310.00}, it was paid XX/XX/2021, it is still showing a balance of {$310.00}, this is XX/XX/XXXX credit usage is still at XXXX percent, because my credit limit is {$900.00},, when I spent the {$310.00} it was reported in less then 7 days, but after I paid it almost 2 months,, and have not showed as paid,, this is an unfair treatment,,, it should have reported the same amount of time it had reported when I spent {$310.00} I should have had a balance decrease,, this is unfair practice I believe its not fair,, my scores XXXX XXXX, hindering me from reaching XXXX,,,
07/04/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30549	Web
Collection was placed in XX/XX/2019 .. it was an ex boyfriend 's account apparently that I had not been involved with in over 3 years.. I had been married to another man for 2 years ... It is not my account.. I never signed, agreed with, not had any knowledge of this account. I filed a dispute and they changed it from being my account to me being cosigner .. I have contacted them and requested verification or signed document, my photo ID, anything, they can provide nothing because it is not my debt .. I did not have any knowledge of it .. it is illegally listed on my credit bureau in violation of fcra
02/13/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MD 21044	Web
This item First Progress credit card ( Account # : XXXX ) is inaccurate because this account was paid in XX/XX/XXXX but the date major delinquency first reported / failure to pay status updated on both my XXXX & XXXX credit reports to reflect XX/XX/XXXX/ XX/XX/XXXX & now my credit reports are considering this account as being late when it's already paid. The last date of delinquency should be in XX/XX/XXXX since this is when the account was charged off. My credit reports are now showing this account as a new late and since this information updated incorrectly my credit score decreased by 10-15 points.
04/01/2020	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	FL 323XX	Web
On XX/XX/2020 I deposited my check of {$320.00} with my cash tips for a total of {$560.00}. They told me they'd be withholding my check for over TWO WEEKS before the funds would become available which puts me out of being able to pay my rent for nearly no reason. This check was a payroll check and has no reason to be withheld except for the fact my account is less than 30 days old. On top of already making less money due to the pandemic now I am sitting around wondering how I'm going to pay my bills until the middle of the month when my pay check from LAST MONTH finally becomes available to me.
06/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NV 89166	Web
The credit bureau stated my account was properly investigated but how is that possible if the open date is inaccurate the date last active is inaccurate, and the date last reporting is inaccurate this is ground for removal, and they also violated my rights under 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 section 604A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. Here 's my certified mailing tracking numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
08/22/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	GA 30809	Web	Older American
I XXXX XXXX filing this complaint on this First progress credit card company due to me having a paper less statement and was not able to go on line and see statement had to call First progress to asked why was this account not paid in full due to there was a low balance and request account information and was never told that all 8 payments that I paid by ACH was not going to principle they were going to late payment of {$40.00} ever month .I need First Progress Credit Co to credit my account of all Late payments fee. a letter attach was sent to company on two occasion. the say the did not receive.
11/04/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	NY 11420	Web
In accordance with the Fair Credit Reporting Act, First Progress has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 ( a ) : It also states a consumer reporting agency can not furnish a account wthout my written instructions. 15 U.S.C 166b A. Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason. I am not liable for this debt with First Progress. I do not have a contract with First Progress, they did not provide me with the original contract I requested.
10/10/2023	Yes	Credit card General-purpose credit card or charge card	Incorrect information on your report Account status incorrect	NC 28227	Web
First Progress is paid off and closed. I've reached out to them to remove the closed account from my credit. I also dispute it with all three credit bureau and still it's being reported and still on my credit. XXXX XXXX is closed and charged off I've reached out to them to remove the closed account from my credit also. And dispute it with all three credit bureau and still being reported on my credit XXXX XXXX is closed and charged off I've reached out to them to remove the closed account from my credit also. And dispute it with all three credit bureau and still it's being reported to my credit
12/28/2016	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	GA 30458	Web
Unfair and deceptive practices ( violation of the FTC act ). Synovus ' postal letters claim that I am not eligible for loan mitigation after 120 days past due. My loan is not 120 days overdue ( i am currently past due on XXXX payment of of XXXX/XXXX/2016 ) however they are denying me that opportunity. I received email from Synovus corporate counsel that I must bring my loan up to date or they will not extend the mitigation opportunity to me. I have the email when we makes that clear. If you want copies of the letters and his email please le me know and I will fax them to you at your convenience.
08/06/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Can't close your account	KY 42104	Web
I called first digital on XX/XX/2022 to close my acct. she said she would. The next day I spoke to supervisor named XXXX who assured me the acct would be closed and it takes 3-5 days. I called back on XX/XX/2022 because when I went online it showed a balance due ( which was the annual fee the reason I was closing the acct ). Supervisor XXXX said my balance was XXXX but the acct was still open. She said she was going to close the acct but couldnt explain why when I looked at my acct online it showed a balance due. I just want to close this account because I no longer want to pay an annual fee.
12/14/2022	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	FL 33511	Web
On XX/XX/2022 I called the SYNOVUS BANK and told them they needed to transfer the money in my account to another account, both accounts are the same bank, but the bank told me that there was no money in my account, but actually I have {$8600.00} in my account and this call took 1 hour and 20 minutes, 3 transfers, 3 different agents, each of whom asked for my information, it was unbelievable, I put my money in this bank for 5 years and they actually told me that my money is gone, although my English is not good, one of the service staff is not willing to slow down her speech, what should I do.
01/23/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Account status incorrect	SC 291XX	Web
I contacted the company to speak on the late fee, I disputed with the bureaus, they moved it, but then put it on another month which is wrong.How can FIRST PROGRESS do this? It still needs to be removed permantly according to consumer law. 15usc1681a-4 privacy obligation not met. 15usc1681b no permission to place on the consumer report. 15usc1666b timing of payment shouldn't be reported. 15usc1681a ( 1 ) a2 transaction history is excluded from the report. They didn't get written consent to place anything on my record. Violations are {$1000.00} each or intentional fraud is 2 year prisonment.
10/07/2016	Yes	Credit card	Billing disputes	MA XXXXX	Web
This account was closed 1 year ago and with a XXXX balance. I received my full security deposit from this company. Since that time they have hired XXXX company to pursue undisclosed charges. Not once did the company a specific date or transaction yet added a new balance of {$200.00}. I 've since become permanently XXXX and notified XXXX XXXX and XXXX XXXX of my exempt from collection attempts at my home or phone. XXXX XXXX has ignored the request to stop harassing me and continues aggressive collection attempts and still sends statements in an account that was close in XXXX 2015 one year ago
01/06/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Can't close your account	MI 48237	Web
An account was opened fraudulently in my name with this creditor ( XXXX XXXX XXXX ) and its effecting my credit and Ive tried everything I could to inform them that the account was fraudulent filed a police report and sent it also it says the account was closed on XX/XX/2022 but theyre still reporting missed billing payments and the last payment that was just reported is XX/XX/2022. Also a collection company contacted me about the account and I informed them what was going on they told me that there wasnt anything they can do and theyre not the ones thats showing up on my 3 credit reports.
11/19/2020	Yes	Checking or savings account Checking account	Managing an account Funds not handled or disbursed as instructed	FL 328XX	Web
First issue somebody write {$18000.00} check in somebody else company name had it delivery two another address and the bank denied my claim for no reason and would send us information i file XXXX that said that don't have to tell us why but not there money on the line it's my money and then that close my account in issue i should have been tell about something costing that much. Then on top of that I had made claim for XXXX charger because by them closing my account XXXX place hold on my account in i never got my order the bank wouldn't file a claim on my behind ever doe i was tell by XXXX
09/06/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	TX 77521	Web	Servicemember
This company is reporting a delinquent balance of {$190.00} every month for a secured account that was opened with {$300.00} of my own funds. Every month, I get a monthly statement for the account with a {$0.00} minimum payment due and a credit of {$1.00}, of which I will attach the bill. I have tried to contact the company to resolve this, as I am a XXXX XXXX Veteran and live on a limited income. I contacted the company initially when I became XXXX through service. I am given the run around with no resolution to this debt, only the company reporting negative information month after month.
06/26/2016	Yes	Credit card	Closing/Cancelling account	MA 016XX	Web
The secured credit account was closed by the issuer in XXXX XXXX. At the time the card had a XXXX balance and had not been used for over 60 days. I received my full security deposit. I checked my credit report in XXXX XXXX and it showed the account as closed in good standing with XXXX balance. I checked my report in XXXX XXXX and it showed the same good standing entry, but also showed a XXXX entry from same company first progress showing my account in a negative standing with past due balance. I want this negative entry removed from my credit as I 'm not liable for this fraudulent entry
09/06/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Can't close your account	WA 98155	Web
Hi I called to close my first progress credit card account XXXX after depositing XXXX USD cash a few years ago. I'm owed a remaining balance of XXXXUSD. After called numerous times since XXXX and spoke with supervisor XXXX who said they would sent the check but I have yet to receive it however I'm able to get a monthly statement from first progress. Called : XXXX closed XXXX Spoke with XXXX - XXXX with XXXX - XXXX Spoke with XXXX - XXXX Spoke with XXXX - XXXX Spoke with XXXX XXXX Spoke with XXXX - XXXX Spoke with XXXX - I've to receive the balance owed and overpayment. Need assistance
03/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 79423	Web
To Whom This May Concern : Since XX/XX/2021, I noticed on 3 credit bureau reports that I had multiple accounts that were charged-off accounts that were still reporting information to my credit profile. I began to send each credit bureau a letter inquiring into the overall general state of my credit profile ; they responded and stated that everything was valid. Again, I sent another investigation letter into the credit bureaus ' investigations and how they found their conclusions. I also sent a letter to each of the companies, which included First Progress Card, XXXX, & Possible XXXX.
05/26/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Struggling to pay your bill Credit card company won't work with you while you're going through financial hardship	GA 31602	Web	Servicemember
Synovus is not telling the truth. I contacted them by phone and they have sold my debt to a collections agency, and they are not trying to settle this debt. The collections agency SYNOVUS hired can not keep up with the demand or volume of customers they are assigned to collect from, and it's unfair that I can not reach anyone on the phone to settle this debt. This debt should be written off and I should be allowed to make a fresh start because SYNOVUS has already destroyed my credit and charged off this debt. SYNOVUS should not be allowed to operate in this manner against consumers.
08/27/2023	Yes	Credit card General-purpose credit card or charge card	Fees or interest Problem with fees	CO 802XX	Web	Servicemember
I paid for my fees on XX/XX/XXXX to make it by XX/XX/2023, when I assumed all my fees were all paid up. I was hit with additional fees which made it impossible to pay. I'm on a fixed income and I was just diagnosed with XXXX. I would like to get the current fees waived since they do not provide an alternative option to pay the fees via online card payment. I also would like to request to close my credit card account with First Progress. I requested to close my account when i spoke to a representative and they told me no i can't close my account regardless if my balance being XXXX
02/20/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30076	Web
XXXX XXXX account is a secured deposit credit card account opened XX/XX/2015. I sent XXXX a {$500.00} security deposit and never received the card. I did not activate or make any charges on this account. The account was auto charged and began reporting to all 3 bureaus without my knowledge and without my capability to make payments or obtain any information about this situation. The contact information for this company was inadequate on their website. I was charged {$500.00} and never received any services in exchange, adding the negative reports on my credit adds insult to injury.
01/20/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Can't close your account	MI 48237	Web
I filed a complaint and spoken with this company over and over but I didnt submit the supporting docs with my complaint to you all last time and theyre ( FIRST PROGRESS ) saying that I didnt send them a police report to there company which I did and I also let them know that I was a victim of identity theft back in XX/XX/ and to let them know that the address they have on file for the credit card hasnt belonged to me in over 5 years also when I contacted with them about it on the phone they spoke in a very rudely manner with me and said there is nothing that they can do about it.
10/31/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 754XX	Web
On XX/XX/XXXX I paid off a credit card with SYNOVUSXXXX XXXX XXXXXXXX that I got in XX/XX/XXXX. The balance was {$1000.00} and I paid {$1000.00} in XX/XX/XXXX and there was a {$70.00} balance. On XX/XX/XXXX I paid the {$70.00} balance. SYNOVUSXXXX XXXX XXXX is reporting that they wrote off {$70.00}, which is absolutely false! I paid the {$70.00} and they sent me the statement to prove it! Yet, I have been trying to dispute this with XXXX since XX/XX/XXXX, but XXXX will not change the information that is reporting. SYNOVUSXXXX XXXX XXXXXXXX did not write off {$70.00}, I paid it.
07/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	AZ 85225	Web
On XX/XX/2022, correspondence was sent in regards to CFPB Complaint # XXXX to First Progress Cards Vice President XXXX XXXX to the address provided on the attached letter submitted on his behalf. The correspondence I sent gave an explanation for the past due amount that appears on my credit report. I requested an opportunity to pay the {$160.00} in full in exchange to have the account status updated to reflect PAID IN FULL AS AGREED. However, it has been 2 months since the correspondence was delivered via certified return receipt mail ( XXXX ) and no response has been received.
05/14/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Struggling to pay your bill Credit card company won't work with you while you're going through financial hardship	CA 94590	Web
XX/XX/2020, XX/XX/2020, XX/XX/2020 I wrote company in XX/XX/2020 about my financial Hardship -supplied my companies layoff letter for proof, the company insisted in making late payment marks instead of lowering anything, I recently requested a Amendment, I've paid over 85 percent on time with company. This would have never happen, however people are getting laid off globally - Company refused my amendment. I've made my payments, compromised during the corona-virus pandemic and layoff times. Please correct these Report Marks at least. - The account is paid in full at this point.
12/01/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 761XX	Web
Under 15 USC 1666B the account FSTPROGRESS XXXX is a billing error. I am requesting that this account is changed to paid as agreed never late. Please see the attached dispute letter, which is dated, and time stamped. You are also reporting inconsistent information such as the date last active and the date of last activity which is also a violation of the FCRA. If you are furnishing incorrect information, the payment history you are reporting is not credible and I will have to consider other legal options if the late payments are not removed from my credit report within 7 days.
02/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30296	Web	Older American, Servicemember
A fraudulent account was established by ! st. XXXX personnel agents. A charge of {$1500.00} on a fraudulent account was fraudulently reported as my account. Never was such account when on my account I closed I only had a {$300.00} limit. This was an XXXX account that I NEVER had. This report is hurting my progress in escalating XXXX XXXX and from such XXXX profiling my credit score has gone from XXXX to XXXX am a XXXX XXXX XXXX XXXX XXXX and this scandalous act is unwarranted. I request an internal investigation and compensation that has clearly erupted my XXXX ... Thank you.
03/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33060	Web
I was going over my credit and paperwork and notice this account with first progress still reporting on my credit report, the company never followed up with me on this account.First and foremost I have no knowledge of this account and even previously requested for agency to validate debt.Ive attached my return receipt as proof that Ive attempted to resolve this in the post. I have no knowledge of this account.Im on hard times and my income has been affected by covid. So even attempting to send another dispute is to expensive for me please assist me with resolving this matter
05/16/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	CO 802XX	Web	Servicemember
I have made several attempts to pay my credit card bill in the amount of XXXX. I have been calling for two weeks and they refuse to process my payment. Their reasons are, the payment portal is only for selected people to pay online, the system is upgrading to a security option that will not accept any forms of payment. They could not provide me with a way to pay my credit card bill. I told them i have made a payment to them over the phone on XX/XX/2022, in the amount of {$250.00} that payment was made though my XXXX XXXX Account. Why is it an issue now, nothing has changed.
12/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	CA 91405	Web	Servicemember
I received a XXXX notification that my SSN was associated with an address that was not familiar when I went to my XXXX alerts I noticed that the address was a location where I had reported fraudulent use of my credit cards that was stolen in XXXX and a compromised SSN. An account was opened under my name & was created fraudulently with my contact info. The account is with the XXXX XXXX XXXX account number XXXX Another account was opened without my authorization AS XXXX & that LENDER is : XXXX XXXX XXXX account opened & closed in the amount of {$220.00} on XX/XX/2021
04/10/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	AZ 85260	Web
Auto pay and bill pay would not go thru for payment. Mailed in payment but it was returned to me. Reached out to company to advise that I switched financial institutions to make sure payments could be received thru auto pay and bill pay. I was told account was cancelled and threatened to make the payment by the XXXX or account would stay cancelled. I informed representative I could go to any authorized XXXX location to ensure payment was received in timely manner. I was then told that my payment would be taken and I could reapply for the accounts to be opened.
11/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 44128	Web
On XXXX an account with First Progress was open this account is not mines. This company add derogatory marks on my credit report that is inaccurate. further doing my own research I found out on XXXX that my credit score with down XXXX points cause of this inaccurate reporting. Also, I would there is No contract, or signature, or written communication between me and this company that states this deibt is mines. According to the FCRA ( First Progress ) have violated my rights as a consumer and I'm requesting legal action to remove this account from my credit report
07/18/2019	Yes	Checking or savings account Checking account	Problem caused by your funds being low Overdrafts and overdraft fees	GA 306XX	Web
I have been charged over {$20000.00} in overdraft fees over the last 12 years and Synovus will not renew my line of credit under my wifes name. She has a XXXX XXXX XXXX score. My theory is that Synovus just wants to keep billing me {$36.00} for every overdraft. They have charged me {$6700.00} ( overdraft fees ) since XXXX of 2017 alone. I also have hundreds of emails with Synovus employees where they have approved my overdrafts but declined my request for a line of credit to cover the overdrafts. I have never missed a payment of my line of credit/installment loan.
10/07/2016	Yes	Credit card	Other	NJ 08043	Web
I have been trying to obtain a credit balance statement from First Progress Credit. I have asked nicely, put what I needed in writing and submitted it. I have also spoken with the credit dept, managers and customer service. all I been told is its not their policy. From what I understand and I may be reading the fair credit act wrong. Though the fair credit act states that at anytime a consumer can obtain a balance statement. I am trying to get a mortgage and the company wants something from First Progress directly. They have out and refused to give my information.
10/05/2023	Yes	Credit card General-purpose credit card or charge card	Problem when making payments Problem during payment process	TX 76140	Web
Issues with payments and have been reported unfairly on my credit report. With previous issues of bill payments I started to use there system to make payments. It takes days to come out and other things comes out so they blocked me from using payment system without giving me notification that I couldn't use it anymore. Bill pay takes over a week to be received and that was beyond my control. If I knew I couldn't use system I would have processed it sooner. This was an unfair practice and should be avoided not being allowed to use a system should be given a notice
02/16/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Can't close your account	FL 33010	Web
First Progress Platinum Mastercard XXXX XXXX XXXX are issued by Synovus Bank, XXXX, GA, member FDIC - - I've had a secured credit card with them since at least XX/XX/XXXX - with a {$2000.00} deposit - On XX/XX/XXXX I contacted the company about closing the account. They stated they will issue a check for the credit balance on the account- {$1900.00} and mail it to me. Today, XX/XX/XXXX, I am yet to receive a check so I contacted them and now they are stating that they will issue a check by XX/XX/XXXX, XXXX weeks after account closing. I feel that is unreasonable.
07/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19139	Web
In accordance with the fair credit reporting act the list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15usc 1981 Accounts 1 ) XXXX XXXX XXXX Account 2 ) XXXX XXXX XXXX XXXX Account 3 ) XXXX XXXX Account 4 ) XXXX Account XXXX ) XXXX XXXX XXXX Account 6 ) FIRST PROGRESS CREDIT Has violated my right. 15 usc 1681 section 602 ) State I have a right to privacy. Section ) 604 Consumer reporting agency can not finish a account without my written instructions Also if you read 1681s-2 ( A ) 1 1681c. ( A ) ( 5 )
03/27/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	VA 22192	Web	Servicemember
I sent a cash for deletion written contract along with a money order certified/return receipt to XXXX XXXX. The contract and money order was received by XXXX XXXX on XX/XX/2019. The money order was deposited on XX/XX/2019. XXXX XXXX did not delete the tradeline or negative information from my credit reports. This was the binding agreement of the contract if the money order was cashed. XXXX XXXX has violated simple contract law by depositing my money order and not fulfilling the binding agreement. XXXX XXXX must now remove this tradeline from my credit reports.
08/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NC 27545	Web
There are XXXX First Progress accounts showing on my report, when I reached out to First Progress to understand this, I received info back from XXXX XXXX XXXX. I pulled an updated credit report and found that the First Progress Accounts were not reporting as disputed as required by law.FCRA section 623 states that a Creditor must report an account as disputed to the XXXX Credit agencies. The FDCPA 807 ( b ) states that a debt collector must report an account as disputed when it receives the notice. The account has not notations of being disputed by the cinsumer
08/24/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments You never received your bill or did not know a payment was due	OH 45215	Web	Servicemember
I obtained a credit card through First Progress back in XX/XX/2019, in XX/XX/2019, I'd set it up through my debit card at XXXX XXXX to have payments withdrawn for My First Progress card I haven't been receiving any bills or mail, it's impossible online to navigate the payment websites, and it is just as impossible to get ahold of a customer service representative to pay my bill I'm not trying to avoid my bill, I'm at a point in my life where I paid more than enough to pay my bills, but I need my creditors to start taking my money and to stop making it a hurdle
04/08/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Problem with customer service	OH 452XX	Web	Servicemember
On XX/XX/2021 I contacted First Progress in an attempt resolve my issue concerning the inability to access my online account. After over 3 calls to their customer service reps, who were ALL very rude and discourteous, I was repeatedly told to " follow the steps ''. I tried accessing my account using the " Create A New Account '' option I was instructed to use SEVERAL times. Each time I received the same outcome - not being able to access my online account. All I want is to do is to be able to access my online account and this company REFUSES to assist me!
07/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 90813	Web
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes.
12/15/2017	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	SC 29205	Web	Older American, Servicemember
On XXXX/XXXX/XXXX, I was notified that my XXXX XXXX XXXX uncle had been exposed to fraud. I immediately put a hold on his checking and money market accounts. XXXX/XXXX/XXXX met with XXXX XXXX and XXXX XXXX of XXXX a division of Synovus Bank & closed existing account and re-open a new account and signed affidavits for the fraud claim. Amount of fraud XXXX - received credit for XXXX - balance due XXXX. XXXX said their responsibility is for only 60 days and will not refund the balance even though the fraud was committed by the same people. - See the attached :
11/21/2017	Yes	Credit card or prepaid card General-purpose prepaid card	Problem getting a card or closing an account Trouble closing card	IL 604XX	Web
THE ACCOUNT WAS CLOSED AS OF XXXX 2017 WITH A XXXX BALANCE HOWEVER I RECEIVED A STATEMENT IN XX/XX/XXXX THAT I OWED XXXX. I CALLED THE COMPANY AND THEY TOLD ME THERE WAS SOME KIND OF FEE ADDED BUT THEY DID NOT ELABORATE, THEY TOLD ME TO WRITE A LETTER AND DISPUTE THE CHARGE.AND I HAD TO PAY IT OTHER WISE MY ACCOUNT WOULD HOLD BALANCE. I THEN PAID THE BALANCE OF XXXX UNDER DURESS. HOWEVER THE CREDIT CARD COMPANY KEEPS ADDING ADDITIONAL CHARGES EACH MONTH. I WROTE THE COMPANY 3 X AND MADE SEVERAL PHONE CALLS WITH NO RESPONSE OTHER THAN SEND A DISPUTE LETTER.
02/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	MS 386XX	Web	Servicemember
I have been approved by FIRST PROGRESS Credit Card Company for a credit card balance of {$1000.00} I have had the card and have been using the card responsibility for 3 months now, yet, they have not reported the account to XXXX, XXXX and XXXX Credit Bureaus at all. Please have them ( FIRST PROGRESS ) report this credit card account to XXXX, XXXX and XXXX Credit Bureaus as it is positive credit history with a balance of {$00.00} with on time and no late payments, that will inevitably be favorable on my credit report and will help to increase the score.
08/16/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	FL 33971	Web
I opened a secured card with XXXX XXXX XX/XX/2015, I gave a deposit of {$300.00} and the card began reporting on my credit. I never missed a payment and only had the card to build my credit. keep the balance at XXXX, and stopped using the card. I recently got a copy of my credit report and the account has been charged off and over 24 late payments, I have called numerous times to have this account resolved, but all they say is that my deposit was used to offest the account and that fees were charged and the account was charged off for failure of payment.
07/14/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	OK 74133	Web	Older American
Signed up on the internet for a First Digital card with XXXX XXXX XXXX. Was told I have to pay a XXXX fee upfront. Processed this with my credit union in XX/XX/2022. I was told by customer service at First Digital that I have a XXXX credit limit and after the annual fee is taken out I have XXXX available. Talked to someone named XXXX at XXXX XXXX XXXX XX/XX/2022 and told him to close the account. Cut the card up. Talked to someone named XXXX at the same number yesterday. They wont tell me where they are located. Nothing is secure about this credit card.
12/13/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	IL 605XX	Web
On XX/XX/XXXX of 2021 in good faith I made my payment to XXXX XXXX credit card for the amount of {$40.00} I have use the same bank account for the past year on this particular time there say is they did or verify my account I good faith on XX/XX/XXXX of 2021 I made a payment of {$80.00} I was told the information will not go on my credit report XX/XX/2021 it was showing on my credit report I have ask the credit company to send me a copy of y my payment did not go thru they said no they are not sending me no letter as a consumer I have a right for a copy
01/16/2016	Yes	Credit card	Billing disputes	TX 75219	Web
I had a credit card stolen and used to make a purchase at XXXX XXXX XXXX and several other locations. I immediately contacted my credit card company and reported it stolen - they cancelled the account and opened a new one, however, XXXX of the charges made by the person who stole my card was this XXXX XXXX XXXX charge. Apparently, XXXX disputed it and they allowed it to be re-billed to MY NEW ACCOUNT. They sent a letter asking me to sign and return via fax the them and I did, within the 10 day period - that charge is still being charged on my account.
11/08/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 27410	Web
I am disappointed and upset that the credit bureaus would not care about my consumer report. I recently pulled a XXXX crrdit report and was applaud with all of the negative things that are reporting illegally on my consumer report. I have not given and credit bureaus or company permission to the attached account into my report. This is violating my rights and breaking the law. I am requesting that this following charge off that is in the attachments be removed immdiately.This is going against the law per 18 U.S. Code 1028A - Aggravated identity theft.
08/15/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	TX 765XX	Web
This account was set for paperless billing ( Electronic Delivery of Statements ). The electronic statements on the First Page specify that there will be a notice on the front of the statement prior to the annual fee being charged. There was no " front '' on the electronic statement, and thus no notice for electronic statements. The letter attached was sent with proof of delivery to ensure that they would close the account in a timely manner. This account currently has a balance due of {$21.00} due to the {$29.00} Membership Fee Charged XX/XX/22.
07/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	CA 92806	Web	Older American
In XX/XX/2021, I contacted XXXX XXXX regarding a 30 day late reported on the account. The agent I spoke too suggested that I submit a goodwill letter regarding the account since I have always paid on time and have never been late in the past. I submitted a goodwill letter in early XX/XX/2021, but XXXX XXXX has not responded. In addition there is a violation regarding Debt Dispute Violations by CRAs. The creditor failed to correct or delete any inaccurate, incomplete, or unverifiable information within 30 days of receiving notice/letter of my dispute.
08/29/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	VA 22033	Web
I was shocked when reviewing my credit report and found inconsistent late payments on the dates below : 90 days late as of XX/XX/2018 XXXX and XXXX 60 days late as of XX/XX/2018 XXXX and XXXX 90 days late as of XX/XX/2018 XXXX 30 days late as of XX/XX/2018 XXXX and XXXX 60 days late as of XX/XX/2018 XXXX 30 days late as of XX/XX/2018 XXXX and XXXX I was XXXX overseas during this time and had difficulties making online payments, but I paid as soon as I was back in the states. Now I am applying for a home mortgage and it is impacting my credit score.
01/05/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	CO 802XX	Web	Servicemember
I reviewed my credit card statement. I noticed on XX/XX/XXXX that there was an unauthorized transaction of {$110.00} posted. I called the fraud department and requested that I start a dispute of the transaction but I don't have any knowledge of the transaction. The transaction is fraudulent. I called and turned in a document that states I didn't do the transaction and I had to request to get a new credit card. Every time I call to get more information about the transaction dispute. I'm getting misinformation and not able to rectify the transaction
10/27/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Delay in processing application	TX 770XX	Web
On XXXX I applied for a secure credit and deposit XXXX furthermore, I paid XXXX for the card to be expedited. The approval process was taking to long and I request the application to be canceled. Upon canceling my order I spoke to a bank representative and requested for my refund to be send via check. I have made several calls to this bank for refund and till today I have not received my money. On XX/XX/2020 I send a fax stating that I want refund by check as requested by the last rep I spoke to. This request was faxed to XXXX number given by rep.
06/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	OH 43004	Web
First progress credit card reports to credit companies before my cycling dates. My bill is due on the XXXX. They reported on the XXXX. My cycle date is the XXXX. My Credit card balance was paid in fullon the XXXX. This is the second time they XXXX fine this because my cycling date fell on the weekend. I work hard on my credit. Pay all my bills. They are causing me to be denied or pay super high interest rates. The credit company dropped my scores XXXX points which will take me forever to recover from. I'm a business owner I can have bad credit.
06/01/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	KY 40515	Web
This was a " secured credit card '' opened in XXXX with a {$300.00} credit line secured with a {$300.00} deposit. I stopped using this card and requested for it to be closed in XXXX. I was to receive my {$300.00} deposit back unless there was a balance then I would either see the difference refunded or nothing at all. According to my records I should have gotten {$300.00} back, but instead they added frivolous and predatory charges and fees to this account and subsequently charged this account off. Therefore causing damage to my credit report.
11/20/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Problem getting a working replacement card	TX 75034	Web
I was notified via mail by First Progress in XXXX of 2019 that there was possible fraudulent activity on my card ending in XXXX. The letter stated that the card would no longer be active and another would be reissued to me. I never received the new card but First Progress continued to charge me interest on the low balance as well as expected me to pay on time payment for an account I had zero access to. This has cause issues with my credit and First Progress has been non-responsive to my requests to either get another card or close my account.
12/01/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	NC XXXXX	Web	Servicemember
The below accounts I did not authorized to be open, so ; therefore, should not be reporting to none of my credit reports. The accounts below has reported several errors. I have disputed all of the items below and as yet nothing has been done. I have filed an extend fraud alert due to my identity being stolen. According to the 15 U.S.C. 1681 law states that any inaccurate information must be removed immediately from the credit report. Due to the inaccurate, incorrect information on my report has caused defamation of my character. XX/XX/XXXX
02/17/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MA 02301	Web
I was shocked when I reviewed my credit report and found late payment on the dates below : FSTPROGRESS XXXX XX/XX/XXXX DEPTEDXXXX XX/XX/XXXX and XXXX and XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
05/12/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	GA 30161	Web
First Progress Credit Card. This account is closed and paid in full. I disputed the account through XXXX asking them to remove the account from my credit report because it is having and adverse affect on my credit scores. I received a message saying they verified the information was accurate. I was not disputing any inaccuracies I simply wanted the account removed because its old and closed and I have no desire to ever open another credit account with them therefore I would have liked for them to remove this information from my account.
02/27/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	OH XXXXX	Web	Servicemember
I had a secure credit card account with First Progress. I closed my account and requested that I get my security deposit back back in XX/XX/XXXX. They claim that they sent a check that I never received in XXXX and I can't get them to move on and get me my money back. they keep requesting that I send faxes and I've done that on several occasions as well as call in these most recent days it's been I sent one on XX/XX/XXXX and XX/XX/XXXX. The last paper shows a fax report that I had sent with my XX/XX/XXXX fax to show my previous attempts.
04/21/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	MI 49006	Web
I was in a car accident and I was hospitalized for several days and when I returned home I saw that my wallet and credit cards had been stolen and used. I filed a police report with the local police and I called the credit card companies and First Digital responed that I am responsible for the charges even though I reported the unauthorized use and proved that I was not in possession of the cards at the time. I called and spoke to a very rude associate to appeal the decision and he advised me that the appeal results would be the same.
01/11/2023	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	PA 19141	Web
I am the properly authorized consumer and I am submitting this dispute on my own without any third parties, with the intent to not be discriminated against for exercising my rights and applying the federal laws put in place to protect me the consumer. On XX/XX/22 a certified notice was sent to First Progress Card in reference of a billing error. First Progress Card failed to clarify the billing error, but instead used aggravated identity theft with extortionate means for the collection of an extension of credit. Please see attachment.
02/02/2017	Yes	Credit reporting	Credit reporting company's investigation No notice of investigation status/result	TX 75044	Web
The complaint that I have is with fstprogress. Over the last 6 months I have requested validation on multiple occasions for a debt that is listed on my credit report. I have been asking for evidence that bears my signature that shows that I have contractual obligation to pay fstprogress. I have not received anything that I requested and it is still on my credit report from all three of the credit reporting agencies. All my letters where sent certified with signed receipt verifying they received the letters. can you Please help me
06/06/2023	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	GA 31322	Web	Older American
Due to divorce my name has changed. I left my divorce paper work to the bank in question before I moved to a new city. Currently I have resent divorce paperwork per instruction of the bank for security and customer service. The bank will not let me use XXXX which is what I use to pay my attorney, vendors, gifts etc. They are looking into fraud because of XXXX different names on my account. I left my paperwork XX/XX/2022 and they haven't corrected my name in their system. Not my fault it's theirs, I want the hold off my XXXX acct.
08/11/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Problem with balance transfer	CA 95062	Web
I paid my balance and to be sure I covered all outstanding charges I added an extra {$50.00}. This was over 90 days ago and I have not received the positive balance. I have called 3 times and was told there is no timeline for the funds to be remitted. I have been told that the request was already put in on their end but they have no further information. Considering the timeline I feel I'm owed the funds as soon as possible. I would like the process expedited and an explanation as to why they were not automatically remitted to me.
03/19/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Delay in processing application	IL 60073	Web
Applied for a XXXX XXXX secured credit card on XX/XX/18. Funded with XXXX of {$1000.00}. Review of bank acct shows {$1000.00} was deducted twice with two separate transfers for a deposit of {$2000.00}. Checked with company who has no information re : deposit or application. XXXX XXXX now wants another {$1000.00} now to process application. Contacted XXXX XXXX to resolve issue, unable to locate deposits. ( XXXX XXXX XXXX transfer reference # 's available showing both transfers to XXXX XXXX ). XXXX XXXX Incident reference # XXXX.
11/15/2022	Yes	Money transfer, virtual currency, or money service International money transfer	Fraud or scam	AL 36526	Web	Older American
XX/XX/2022 XXXX XXXX {$180.00} ( XXXX ) XX/XX/2022 XXXX XXXX {$140.00} ( XXXX XX/XX/2022 XXXX XXXX {$180.00} ( XXXX ) XX/XX/2022 XXXX XXXX {$170.00} ( XXXX ) I called XXXX to all XXXX XXXX XXXX about a double billing issue. The person said they were a customer service representative for XXXX XXXX XXXX and would give refund. The person was able to hack into my bank account and quickly did the above transactions using XXXX. I did not authorize any of them and IMMEDIATELY hung up and went to my bank branch and reported the issue.
03/11/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30518	Web
This is a PREPAID card that is supposed to help build your credit. I applied and paid for expedited processing. I then sent the XXXX dollar deposit required. The application was never processed and they eventually sent me my deposit back via a check but they have reported and continue to report my account as derogatory. There is no customer service number to call them to get information or talk to them about it. They need to get it off my credit reports I have disputed several times with lout success to try to get this resolved.
11/11/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	CA 91792	Web
I wanted to re establish my credit and got this pre paid card. I did not like the way they work and cancel 2 months after, they issue a late payment which it was a mistake, I did provide all information they requested and still they haven't removed a 30 day late payment ( past Duer ) they put on my credit history. it doest make any sense since that account had {$200.00} positive balance for me. I called and email several times. everytime they answered was that they need to close each cycle to fix it but they never fixed..
06/03/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Can't close your account	NV 89074	Web
I called First XXXX XXXX on XX/XX/XXXX to close my credit card account after paying my balance off. I was told it would be completed within 3-5 days. I called back on XX/XX/XXXX to check the status as the account was still open. I was once again told it would be completed in 3-5 days again. I have since called a few more times on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and today XX/XX/XXXX and the issue still hasn't been resolved and charges and fees have continued to be added. Nothing is being done and no one seems to know why.
08/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OK 73505	Web
I previously mailed the attached letter below on XX/XX/XXXX and have yet to see any changes made to my credit file. Please review the attached Affidavit of Fact which is Pursuant to 15 U.S. Code 1692 ( a ) ( b ) which states that The Congress has found abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. These abusive practices contribute to the invasions of individual privacy among other things which are in violation as I never gave you my information directly.
01/19/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Improper use of your report Reporting company used your report improperly	TX 761XX	Web	Servicemember
As part of this work, the Civil Rights Division is tasked with enforcing the Servicemembers Civil Relief Act ( SCRA ), 50 U.S.C. 3901-4043. ... The XXXX is a federal law that provides protections for military members as they enter XXXX XXXX. The funds applied to the card are though my personal trust fund. The company had not sent out any mail regarding late payments to the address on file and felt obligated to report to the credit bureaus negativity effecting my credit score and security clearance as a federal employee.
07/25/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	LA 710XX	Web
I noticed a purchase on my transactions that I did not make. I am in Louisiana and it says Arizona. I have tried to report this to the credit card company. I called the number on the back of the card ( the number can not be found online ) and it is and endless loop of a recorded message, a brief hold, and the phone ringing. I went online to get help. I clicked the link to consumer center and it logs me out. I have also tried to pay my bill online and it takes me to a screen that says I must use my banks bill pay feature.
02/01/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	TX 78233	Web	Older American, Servicemember
XX/XX/2020 I cancelled my credit card with FIRST PROGRESS CREDIT CARD. The Credit Company continued charging unauthorized usage charges to me made by XXXX XXXX. These charges began in XX/XX/2020 to XXXX 2020.I contacted XXXX myself and originally closed the first charge, but they continued. I have copies of faxes and also to their Bank involved. FIRST PROGRESS continues to. report all of my account as continued and past due. These reports to the Credit Bureaus are bad. I have gone way past my patience with no success.
05/20/2022	Yes	Checking or savings account Checking account	Opening an account Account opened as a result of fraud	FL 33971	Web
I received a debt from Synovus Bank for XXXX dollars. A individual opened up a checking account in my name with my personal information. It was for a XXXX debt plus XXXX dollars overdraw fee for a total of XXXX. I contacted Synovus and they closed the account after showing them my drivers license. The information they had was my XXXX but it also had a email address and phone number that was not mine. The drivers license they had on file had a number wrong and the exp date was wrong I filed a police report on the fraud.
07/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CO 80013	Web
The company reported my account delinquent in XX/XX/23 but I was never delinquent. I sent multiple letters to the credit bureau to get First Digital to provide proof and validation they have refused to do so. Now theyre reporting me as over there limit on my account and not. They charged me a late fee and I was not late. I spoke to first digital and they have refused to solve the problem. This has been an ongoing concern with this credit card company. Theyre being malicious and reporting incorrect account information
03/12/2017	Yes	Credit card	Other	MO 63135	Web
XXXX XXXX, Missouri Re : Balance Incorrect on First Progress Credit Card On my Credit Reports with the XXXX agencies, First Progress is showing I owe Then {$470.00}. That amount is incorrect I owe them nothing. This was an Unsecured Credit Card with my Deposit of Cash for {$300.00} for a {$300.00} Credit Line. I asked for them to Close the Account because I do n't Trust Them. I want to correct information sent to the XXXX Reporting Agencies that I Owe them nothing and the Account Closed with No Balance Owed. XXXX
03/10/2017	Yes	Credit card	Other	MO 63135	Web
XXXX XXXX, Missouri Re : Balance Incorrect on First Progress Credit Card On my Credit Reports with the XXXX agencies, First Progress is showing I owe Then {$470.00}. That amount is incorrect I owe them nothing. This was an Unsecured Credit Card with my Deposit of Cash for {$300.00} for a {$300.00} Credit Line. I asked for them to Close the Account because I do n't Trust Them. I want to correct information sent to the XXXX Reporting Agencies that I Owe them nothing and the Account Closed with No Balance Owed. XXXX
09/10/2016	Yes	Credit card	Billing disputes	MA XXXXX	Web
This company closed my account in XXXX 2015. They refunded me my entire security deposit and a statement with a XXXX balance was included as it should have been. 2 months later I get a statement from this company with a {$110.00} balance. I wrote and complained and was never given a reply. They have since sold the account to XXXX XXXX collection company. If your trying to rebuild your credit I 'd pass on this company as they have poor customer service and seem to be in some type of cooperation with XXXX XXXX for profit
05/30/2022	Yes	Checking or savings account Checking account	Managing an account Fee problem	FL 34744	Web
My issue is fees are charged when transactions accounted for process because I hit a XXXX balance. Not new transactions that exceed my balance.it has been several XXXX several times the last 9 months. Not just transactions that actually exceed my balance but the same ones accounted for that process days after the hold for my balance.im not actually exceeding my balance in most cases but it charges fees anyhow. I have actually overdrawn and I expect those fees. Not the ones that never actually exceeded my availability.
11/29/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Was not notified of investigation status or results	PA 15132	Web
I have reached out to the credit bureaus and First Progress regarding the inaccurate information on my credit report. Despite sending multiple disputes to both entities, I have not received any communication, and appears that a thorough investigation has not been conducted. If errors persist on my credit report, it is impossible to ensure that the information reported meets the highest standard of accuracy required by the FCRA. This negligence is a clear violation of the law designed to protect consumers like myself.
07/10/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Company closed your account	NC 28216	Web
I open secure credit account with first progress bank, was under the impression it was a good place to start rebuilding credit, just to find out this companies has a bad reputation with their customer in the past taking advantage, using them for their own personal gain, they have giving me a fax number twice to get my refund extradite faster since i closed down my account XX/XX/2023 now still refusing to pay me back my money the owe me, this is where they wanted me to fax XXXX XXXX XXXX XXXX XXXX XXXX XXXX fax # XXXX
08/04/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Trouble using your card Can't use card to make purchases	KS 674XX	Web
First progress card requires you to pay XXXX XXXX deposit and that is your credit line once you pay that the card is activated. I did this and made two purchases resulting in around XXXX dollars debit. They then immediately closed my account and I keep calling and they hang up on me when I ask why my account was closed and request the remainder of my deposit back which would be around XXXX. I funded the deposit on XX/XX/XXXX and was canceled XX/XX/XXXX. Never received a bill that I did not pay in that amount of time.
12/28/2017	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	GA 305XX	Web
XXXX XXXX XXXX has deliberately moved charges on my account on two different occasions so they could charge me overdrawn fees. They moved the bigger charges first so they could put the smaller ones on last to charge my account six overdrawn fees.Some of these charges had already cleared my account two days earlier. How can a person survive with such conniving going on behind your back. This bank has been sued before for this exact process and lost the case. Which did get us a handsome refund due to their negligence.
02/15/2017	Yes	Credit card	Other	TX 76123	Web
I applied for this credit card that i had to pay the credit limit of {$300.00} Dollars and the company where very rude and hung up in my face each time i called so i called to inform them i wanted to close my account. The guy who i spoke with would not give me his name and would not close the account and send me back my remaining balance. Months later due to them not closing the account when i requested late fee 's were added to the account and ended up having me owing {$120.00} Dollars for fee 's i did not create.
01/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30331	Web
On XX/XX/2020 I sent certified letters of dispute to all 3 credit bureaus in reference to my accounts being reported differently to all three bureaus on several accounts. I included screenshots showing evidence of this. Rather than them deleting these accounts that were reported wrong, I got responses such as remains or updated. How could you simply " update '' something that was reported wrong in multiple places? If they were all different, who is to say which is correct? It doesn't seem right. How is this legal?
02/03/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	TX 78244	Web
I recently paid XXXX for a application to First Progress Bank on XXXX2021. This was charged on my XXXX XXXX and posted XXXX2021. I was approved for a secure line of credit. On XX/XX/XXXX I deposited {$500.00} as secure deposit and they charged me {$29.00} dollars again for the yearly membership which was chargeed to the new master card. I belive they are charging me twice. Could you open a case for this with I talked to the XXXX XXXX but the could only give me my statement where I paid on XX/XX/2021 {$29.00}
05/02/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Problem with convenience check	TX 77065	Web	Servicemember
I opens a secured credit card account with First Progress bank, back in XX/XX/2023. I closed my account in XX/XX/2023 due to the several issues I was having with their customer service. However I paid or put a refundable {$1100.00} into the account as a deposit which is completely refundable and havent received my refund check at all. Ive made several attempts to reach out to them, because I am in need of my hard working money, and their customer service team are no help. I need my money returned to me asap.
07/23/2019	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Can't stop withdrawals from your account	NH 037XX	Web
In XXXX I order 2 gold maple leaf coins that turned out to be fake. I sent them back and never heard from the seller again. I informed the bank and they responded by crediting the money back : APR 25 CREDIT MEMO XXXX PROV {$2700.00} Now I see it has been charged again : XX/XX/XXXX DEBIT MEMO REVERSAL OF Uncategorized Expense - {$2700.00} I've already withdrawn the money. The bank seems determined to make me pay. Of course I am never going to repay the bank. I ask that that my account show a {$0.00} balance.
05/19/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	SD 57702	Web
I have a purchase from XXXX that the company still is not correcting and every time I try to talk to them they give me almost robotic automatic answers I want this charge reversed. The company the charge was with has already talk to me on the phone and agreed once this financial institution reaches out to them they will reverse the charge and agree to the dispute but my financial institution is not working with them and hasnt even contacted them this has been going on since XXXX. I have the XXXX XXXX card.
01/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30324	Web
This account owned by COLUMBUS BANK & TRUST, Account # XXXX is a credit card that was opened fraudulently and disputed. They refuse to remove the account from XXXX and after directly sending them documentation and disputes via certifies USPS they have not responded in a timely manner. I have sent them numerous disputes containing my identifying information as well as details of my dispute and i continually get a generic response of them requesting I send documents that were INCLUDED in each of my letters.
05/17/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX XXXXX	Web	Servicemember
I have tried on numerous occasions with XXXX XXXX to get this fraudulent account that's reporting {$170.00} from 2014 on my credit, tarnishing my name and misrepresenting myself as a consumer in society. I've been told numerous times that the item should be removed within 30 days in the last 6 months and it still resides on my XXXX credit report. This account was never opened by me and does not belong to me. I am a XXXX XXXX veteran and can not live my life the best I can with this item hurting my credit.
09/03/2016	Yes	Bank account or service Cashing a check without an account	Making/receiving payments, sending money	FL 32566	Web
Brother wrote a check for money owed. Went to XXXX Bank in XXXX where he does business to cash the check. They took my license, put my thumb print on the check told me they were going to charge me XXXX for cashing the check. Then refused to cash it with out authorization from the person that wrote the check to me. This is a very unfair practice and I have never been so embarrassed and they were very nasty. Is this the banks normal practice If you have all the I.D . and Thumb print that should be enought.
10/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 77396	Web
I'm XXXX XXXX, and I need your help getting in touch with this company. To find out who had created an account in my name and why, I made an effort to get in touch with them. I regret that my credit score is now being affected by this serious problem. Since it also breaches data privacy, I don't let anybody to use my name, birthday, or any other information. Instead of me, they need to find the person who established the account in my name and provide them the information. Please help me in fixing this.
08/05/2017	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Can't close your account	MO 63135	Web
First Progress Platinum Credit Card XXXX XXXX XXXX XXXX XXXX, TN XXXX I sent a Deposit of Cash for {$300.00} to open Credit Card Account. I closed this Account and they said I owed {$250.00} but they never Returned my Deposit of {$300.00}. First Progress owe me a Refund of {$46.00} with a XXXX Balance Owed Paid In Full. I want an Investigation as to why First Progress never applied my Cash Deposit of {$300.00} to Balance owed of {$250.00}. Waiting for your reply. XXXX XXXX XXXX Credit Card Number : XXXX
12/12/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	NE 68154	Web
Synovus Bank who gives secured cards for first progress is misrepresenting a credit card and the information is misleading. my account had a balance and without going over my card limit it would not let me make additional purchases. after looking into the law about the secured card and how it is unlawful to make a down payment on a finance charge. I am furious because this has ruined my reputation and now I am without because of their misleading tactics and not being able to talk to someone about this.
06/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NJ 07107	Web
In accordance with the Fair Credit Reporting act XXXX Accounts # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
01/26/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Can't close your account	TX 78155	Web
I'm a victim of identity theft. I have reached out to everyone company that was reporting on my credit report for them to remove that inaccurate information. I did a credit dispute XX/XX/, with account number ending in XXXX. First progress responded back to me with a letter stating in order for them to initiate an investigation, they need to receive the specific information that I am disputing and an explanation of the basis for the dispute, and supporting documents I have attached to this complaint.
03/20/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	GA 30024	Web
I made a {$5000.00} credit card payment directly from my Synovus bank account. The payment was not applied, nor is the money in my account. The {$5000.00} just disappeared. I informed the bank and they stated that they were having an issue with the system and assured me that the problem would be fixed. Well, it has been 3 days and the money is still missing. I asked them to reverse the transaction, and they stated that they could not do it. So now I am out of {$5000.00} with no sign of recovering it.
12/08/2016	Yes	Credit card	Customer service / Customer relations	PA 193XX	Web	Older American
On Saturday the XXXX of XXXX, I applied for a secured credit Card from First Progress Bank in Georgia, and sent them XXXX deposit. Later, I found out, that this company had numerous complaints against them, and asked my bank, XXXX to start the process to get my money back. I tried to call or e-mail XXXX, but can not get through to them. I want my deposit back, I do NOT want to do business with XXXX. It 's a hardship on me at this time, as I have no money for XXXX presents. Please help me!! XXXX XXXX
10/28/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	MA 02301	Web
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019 XX/XX/2019 XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
04/12/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Trouble using your card Can't use card to make purchases	FL 33064	Web
The credit card company closed my account after I made payment on XX/XX/2020, but claimed they closed it on XX/XX/2020. My payment was made using XXXX XXXX. They have refused to issue refund for {$310.00}. I have written a request to expedite refund due to current crisis in the US. I am only asking for assistance for the company to release my funds immediately. I have asked if funds can be sent back to XXXX XXXX and XXXX XXXX said they will reissue a new reference ID number for me to pick up funds.
03/29/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	CA 94531	Web	Older American
I had an acct ending in # XXXX with First Progress Card. I submitted a payment to correct an erroneous past due situation which destroyed my credit rating. After having communicated my displeasure with their service and comment that it would take 3 months to get my deposit back I decided to close the account. The response to this closure was another massive hit to my XXXX Credit score ( XXXX points ). This need to be corrected immediately as it has already cost me dearly on a mortgage application.
06/04/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Account information incorrect	FL 34986	Web
I defaulted on the credit card in 2018 and they closed my account and wrote it off. They sold the debt to a collection company. Not knowing any better, I paid the collector. They still claim that I owe them money. They continue re-opening and closing my account every other month, and adding remarks to my account. Ive tried clearing this up with them and they claim that they never received the money from the collections company. They will not address why they keep re-opening and closing my account.
05/31/2018	Yes	Mortgage Other type of mortgage	Closing on a mortgage	FL 320XX	Web
Synovus Bank XXXX XXXX XXXX XXXX Florida XXXX ( XXXX ) XXXX The bank put a {$760000.00} mortgage on property that I own without my knowledge. I never signed any documents to grant them permission to place a mortgage on my property. The property address is XXXX XXXX XXXX XXXX Florida XXXX. The loan is in XXXX XXXX ( XXXX XXXX XXXX XXXX ). I have all of the supporting documents and can forward when needed. You can view the XXXX XXXX Florida Property Appraisers Office ( XXXXt ) owner XXXX XXXX XXXX
10/16/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 785XX	Web
In accordance with the Fair Credit Reporting Act First Progress, has violated my rights. I have disputed inaccurate information multiple times, as the accuracy of this account is not correct. However, it is claimed to be verified as accurate. Please see attached photos of last reported, payment dates that do not correlate with one another, account closed dates do not correlate and as well as payment status. Attached herewith is also a copy of a reimbursement check for a credit on the account.
10/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 95838	Web
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.
12/15/2020	Yes	Credit card or prepaid card General-purpose prepaid card	Unexpected or other fees	ID 83301	Web	Servicemember
I put {$200.00} on a First Progress card. I made 2 purchases and paid them both. Two {$35.00} charges was on my bill and I disputed both charges. I was charged 3 late charges which I was not late on any bill. I was told I would get a refund for the disputed charges and the late fees. I have talked to this company a number of times to no avail. I dont know what else to do to get my money back. I put {$200.00} on this card, was charged an annual fee and Im trying to get the rest of my money back.
05/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33063	Web
I was sick with XXXX and in the hospital and barely made it. I have requested for them to remove my 30 day late and they have ignored me. I have sent them a letter and they have not alleviated the situation. This company has no way of making a payment online easily. The payment system is basically created for you to have to pay fees to get anything done. Check their website to see. I am in a tough situation because I can not cancel the card because it is my oldest tradeline. Can anyone help?
02/05/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	SC 295XX	Web
I have 3 missed payments on my first progress credit card. The card is paid off and closed. I called in to first progress to ask if theres anything I can do to get rid of the late payments so they instructed me to fax in a Good will letter and they will forgive the late payments. After I sent it in I called again to confirm the late payments were take off and they said yes it should be updated within a month. I still see the late payments on my credit report Im hoping those can be taken off.
04/22/2018	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was paid	GA XXXXX	Web	Older American, Servicemember
I am filing a complaint against Synovus Bank because I do not owe them any money. The debt has been paid off ( XX/XX/XXXX ). This alleged debt was bundled in a loan package and sold to a debt collection company in Illinois. I am baffled about this purported debt ; the information provided was sketchy. Their XX/XX/XXXX letter did not provide in clear terms the date and amount of the loan, and a description thereof of the type of security for the loan that they sold to the company in Illinois.
09/13/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	GA 30043	Web
XXXX refuses to add positive payment information regarding my account. They claim that first progress card asked them to delete this information. XXXX XXXX claims that XXXX blocks the positive information to report on my file. My credit score is suffering because my on time payment history is not reporting. I have sent numerous letters to XXXX and XXXX XXXX to have this resolved and both companies complain and state that it is the fault of the other company without resolution to the matter
06/23/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	MA 02301	Web
I was shocked when I reviewed my credit report and found late payment on my payment history from your company. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
10/29/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	RI 02861	Web
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019 XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
01/07/2023	Yes	Checking or savings account Checking account	Problem caused by your funds being low Overdrafts and overdraft fees	GA 305XX	Web
I was charged 2 overdrafts for my account going in the negative. The issue being that it overdrafted based on pending charges while cleared transactions were still in the positive. That has caused a cascade effect that I can now not even pay my electric bill. I tried moving money to my other checking account and I was charged 2 fees for returning money. How can I get these fees returned? I'm going to be without electric and food on XXXX. This started on XXXX XXXX and it's still ongoing.
01/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Getting a line of credit	FL 344XX	Web
Within the past few years to present day, I've opened multiple accounts with Credit Union such as Credit Cards, Personal Lines of Credit etc. Till this day none of the accounts that I opened with this bank hasn't been reported on my credit report. By this issue keep happening, my credit scores should be higher but their not. Its keeping me from purchasing a home that I deserve and work so hard to try to achieve but since accounts isn't reporting its but a damper on owning my dream home.
08/13/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MA 02026	Web
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX to XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
11/14/2023	Yes	Credit card General-purpose credit card or charge card	Closing your account Can't close your account	CA 91343	Web
XX/XX/2023 disputing {$58.00} and want my account closed. Spoke with XXXX at XXXX and would like to speak to a manager regarding this issue. he says within 5 days. I expressed that I want my security deposit back and he informed me it would take 10 weeks to refund the security deposit. This company has predatory business practices and it should not take 10 weeks to process a refund. Nor should they charge me a late fee or membership fee. This company has not satisfied my complaint
04/08/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MA 02301	Web
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX and XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
01/25/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 77351	Web
First Progress did not send me a bill. I sent them a hand written invoice with a check for {$93.00}. They did not recieve the payment by the due date. They reported this as a late payment affecting my credit score. I wrote them asking for them to remove the negative mark from my credit report. they wrote back saying they where not at fault and could not remove the negative mark. This happened once before and fortunately I caught it in time to send a hand written invoice with payment.
12/07/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	IN 46324	Web
First Progress bank put a closed account on my credit report about 2 months ago. I disputed the account as fraudulent and they responded saying that they weee able to verify my identity. I have had a ro lemon with the credit bureaus opening credit accounts in my name without contacting me to verify my identity. Specifically XXXX allowing upgrade bank to open an account with fraudulent information. I am asking that First Progress remove this account from my credit report immediately.
09/10/2023	Yes	Credit card General-purpose credit card or charge card	Closing your account Can't close your account	MN 55343	Web	Servicemember
I want Synovus to immediately close my Synovus First Digital Credit Card Account and immediately my personal information from their records database. I want my Synovus First Digital Credit Card Account immediately closed. Additionally, I Synovus to send notification to XXXX XXXX, XXXX and XXXX to have XXXX XXXX, XXXX and XXXX to immediately delete and remove the Synovus First Digital Credit Card Account from my credit report. Full Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
12/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33860	Web
Cease & Desist Pursuant to 15 usc 1692c. ( c ) I AM NOTIFYING YOU IN WRITING THAT I REFUSED TO PAY THIS ALLEGED DEBT AND I AM DEMANDING THAT YOU CEASE ALL FORMS OF COMMUNICATION WITH ME THROUGH ANY AND ALL MEDIUMS WHICH I SENT CERTIFIED LETTER ASKING TO DO SO ALSO PURSUANT TO 15 USC 1692C ( C ) ( 2 ) I AM INVOKING MY SPECIFIED REMEDY AS A CONSUMER, AND THE ORIGINAL CREDITOR I AM DEMANDING ALL THE FOLLOWING : 1.XXXX OUT THE BALANCE ON THIS ACCOUNT 2.DELETE FROM ALL CONSUMER REPORTS
10/23/2015	Yes	Credit card	Other	LA 70001	Web
my credit was used due to fraud they report I went over my balance to the credit bureau. they closed the fraud card but opened a new account its now showing XXXX cards on my credit report because I was late XX/XX/2014 it showing as XXXX cards late instead of just XXXX card late because its the same account. I need they to report correctly to the credit I was NOT over the limit now was I late on XXXX accounts. they did reserve the charges but but are not correcting my credit report
01/20/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Credit card company forcing arbitration	CA 90001	Web
I contacted the company there were very rude to first XXXX XXXX company. I was willing to pay the full amount of {$270.00}. They have closed my account on 2021. There saying if they were to take a payment of {$76.00} they will not open the account. I ask them if I can pay {$270.00} they said no I'm sorry there is a process that I can make but it takes longer the check might be lost by mail. I mentioned to them I am the client and want to pay I don't want my credit to be affected.
11/05/2018	Yes	Mortgage Other type of mortgage	Applying for a mortgage or refinancing an existing mortgage	GA 316XX	Web
We bought our house in XX/XX/XXXX through an in house loan. In XX/XX/XXXX the loan changed from a mortgage to commercial loan. In XX/XX/XXXX the was renewed without authorization or signature. Now we are trying to refinance to get the house back to a mortgage because without knowing we have been paying interest only since XX/XX/XXXX without getting a statement or payment coupon. The amount of the loan keeps changing and going up since we have started trying to refinance our loan.
08/27/2023	Yes	Credit card General-purpose credit card or charge card	Problem when making payments Problem during payment process	MD 20902	Web	Servicemember
I have XXXX credit cards with First Progress, card # XXXX ending in XXXX with a payment due date on the XXXX of every month, my XXXX card ending XXXX with a payment due date on the XXXX of every month. I called in XX/XX/23 to make a {$86.00} payment on my account ending in XXXX with a payment due on the XXXX and they misapplied my payment to the account ending in XXXX with a payment due date on the XXXX and charged me a late fee and reported a late payment to my credit report.
07/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	LA 705XX	Web
This account was paid in full, after speaking with a representative and she told me that this account would reflect as positive and my goodwell letter was granted, I have still yet to receive my email and the reflection of my goodwill removal, ive also called about a credit that they are holding for {$110.00} and the rep keeps telling me that my refund will be mail, i need this to go to higher authority these people are lying and keeps saying anything to get me off of the phone.
01/11/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	PA 19607	Web
FIRST PROGRESS CARD has recently marked me late on 2 accounts that i opened with them. Im not even sure why ... .i still hadnt even activated the cards or used them and they marked me late on a yearly fee that they charge ... .i understand about the yearly fee but i wouldnt think that they would mark you late without the card being active,,, i got these as a credit builder option and they have done th opposite ... .i am really looking to purchase a home and this killed my credit
04/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 62234	Web
Hi, my name is XXXX XXXX and I am complaining about the 1stprogress/XXXX XXXX/ account under the # XXXX that is reporting on my credit report. I have filed a FTC complaint under the # XXXX as well as providing additional information about this account that it is not mine as I never opened this account and this is not my information. There has been no evidence provided to me that proves this account as mine or no response in over 30 days from either the creditor or credit bureau.
07/04/2017	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	MO 63135	Web
I closed my credit card account with First Progress due to them charging me fraudulent fees. They have on my credit reports that I owe them {$250.00}. My credit line was {$300.00}. I actually owe them {$150.00}. First Progress should not be in business because they are cheating their customers in fraudulent fees charged. I want an investigation into First Progress also I want you to get them to correct my balance owed to {$150.00}. Waiting for a reply, XXXX XXXX XXXX
08/17/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Account status incorrect	PA 193XX	Web
I lost my First Progress card over a year ago! I had closed the account after I lost it. They charged me an annual fee, applied it to the card, and then marked my payments as 30 days late in XXXX, and 60 days late in XXXX. I called them, made a payment and explained that I had lost the card and reported it to them. They apologized for the inconvenience and told me to dispute the account! I don't know why they couldn't help me and have made me go through so much! PLEASE HELP ME!
05/14/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Account status incorrect	OH 452XX	Web
The credit card issuer collected my deposit of XXXX at the opening of my account. 90 days go by and they tell me I only deposited XXXX and had a credit line of XXXX. But this is incorrect. I has a credit line of XXXX and made multiple payments each statement. They never accurately reported my payments and then closed account. I never received my deposit and they continued to report on my credit for 4 months after closing the account late payments on a supposedly closed account
02/08/2021	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	AL 365XX	Web
Synovus Bank has locked my online checking account access and is not allowing me access to funds transferred to the bank to fund the account by ACH. I was notified of these actions through emails on XXXX/XXXX/21. I have since contacted the bank 3 times now and nobody can/will tell me what is going on and refuse to let me talk to the department in charge of locking my account. Also, I am being told that my account may remain in this status up to 60 days, which is unacceptable.
06/21/2017	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	WV 253XX	Web
For like the fifth ( or sixth? or maybe tenth ) time now, a late fee has been assessed after my bank initiated an electronic bill pay on or before the due date. As is now the case, Bank Bill Pay or mailing a payment are the only methods available to pay the bill, as bill pay outlets ( That XXXX XXXX says is a payment option ) can not find " XXXX XXXX '' or " XXXX XXXX '' in the XXXX XXXX or XXXX XXXX, and eCheck drafting on XXXX XXXX ' website has since been removed long ago.
08/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60610	Web
This is my formal complaint to 1STPROGRESS/XXXX for taking no action to correct and remove the fraudulent account that is still reflected on my credit report and continue to damage my reputation. I sent out communication letters and complaints to them several times, but until this time no further action has been taken. I have attached my FTC report with report number XXXX. I was expecting that they would be reporting accurate information on my file but it seems they are not.
02/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 77449	Web	Servicemember
I was victim of unauthorized charges on my account which lead to late charges on my account. After being notified that i had a late charge i reached out to first progress. They started an investigation and found the charges were fraudulent and refunded my account. As a result of the fraudulent charges my account was reported late to the credit bureau. This information is inaccurate and they wont do anything to fix it. I've already reached out to them and have gotten nowhere.
10/13/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 38134	Web
Someone had an account with XXXX XXXX so when I found out I called them to let them know and to close the account. Now every once in a while I recieve another random inquiry from capital bank so I had to dispute and lock my credit report. However, even though I told them this wasnt my account when I called to have it closed. They are still reporting a balance on a CLOSED AND INCORRECT ACCOUNT It had been over 120 days and I have been constantly sending letters with no reply.
05/29/2017	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	GA XXXXX	Web
Dear Sirs : On XXXX A check was sent to you ( XXXX . XXXX XXXX XXXX , GA XXXX ) in the amount of {$20.00}. Check sent back the next day XXXX XXXX and credited back to my XXXX Bank account. XXXX XXXX check sent to you in the amount {$96.00}. Check sent back XXXX XXXX , XXXX . I 've sent a list of checks that have been sent to you with no problem XXXX / XXXX / XXXX XXXX . Please remove late charges last two months and re instate my credit card.
05/15/2017	Yes	Credit card or prepaid card General-purpose credit card or charge card	Advertising and marketing, including promotional offers Confusing or misleading advertising about the credit card	MO 637XX	Web	Servicemember
Applied and rece ived First Progress Card. Init ial XXXX paid by Bank card on XXXX XXXX XXXX . Paid remaining Bank balance of XXXX on XXXX XXXX XXXX . Contacted First Progress at XXXX XXXX XXXX XXXX to ask for refund of my XXXX and to cancel the new card, I was instructed that I would only receive XXXX due to they ca n't find the initial payment on XXXX XXXX . Both transactions are clearly on my bank statement which I have sent to them.
02/14/2016	Yes	Credit card	Identity theft / Fraud / Embezzlement	CA 95136	Web
on XXXX of 2015 I had purchase a copy of my credit report and noticed that few items on that report that did not belong to me. included I n those items was a credit card from first progress credit card. I had disputed this account with credit bureaus and also i sent to first progress a letter stating to them that this account dose not belong to me. as of this date I have not received not even a phone call from first progress. I am here to get your help resolve this matter.
03/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33435	Web
Ive sent in several dispute over the past six months. For some strange reason first progress XXXX XXXX bank continues to ignore my dispute as soon me letting him know that I never on these credit cards they were open as fraudulent someone stole my identity not sure why I have to keep continue to do these speeds at this point Im not sure what else I need to do feel like my back is against the wall so therefore I will be making a complaint with the attorney generals office
03/07/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	TX 77081	Web
I have made two payments to my credit card company, First Progress Card. They have claimed to not receive my payments and it has been approximately 30 days since the payments were taken out of my bank account. When I contacted them they told me that I needed to send them proof of payment via fax. When I did so they have continued to claim that the fax nor the money was received even though my bank ( XXXX XXXX ) ensured me that they did receive the money from my account.
07/03/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	CA 91411	Web
Over the past year I have been trying to get First Progress to resolve the fraudulent charges on my credit card. Anytime I have called I can't reach the fraud department. I reach the first representative that can't help me and that's as far as it goes. I filed a police report last year in regards to other fraudulent items. That's when I found out about these charges to my first progress card. I have filed a complaint with the XXXX XXXX XXXX and XXXX in regards to this.
01/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 75089	Web	Servicemember
I was never late on the paid off account/s listed above. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this please delete these alleged late payments from my credit report. Per 15 USC 1666b a creditor may not treat a payment on a credit card as an open ended consumer credit plan. Please update the payment history as PAANL status ( Paid as Agreed Never Late ).
05/09/2017	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	GA 30269	Web	Older American
XXXX XXXX XXXX XXXX Synovus Bank. customer service XXXX Dispute resolution department XXXX . I disputed XXXX fraudulent charges on my credit card statement four times. XXXX / XXXX / 17, XXXX / XXXX / 17, XXXX / XXXX /17 and XXXX / XXXX / 17. Th e amount of the XXXX charges is {$80.00}. Synovus s aid the dates of the transactions are outside of the dispute time-frame and will not refund the disputed fraudulent amount, which I have paid.
07/23/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	FL 33009	Web
We rented a car from XXXX and used our Visa card that was issued through Synovus Bank. XXXX put through a charge and Visa accepted the charge knowing that it was grossly improper. The fraudulent and excessive charges had the effect of freezing our bank account and causing us embarrassment. In order to contest the fraudulent charges, we spent hours on the phone dealing with XXXX and our bank. They caused us to not have access to cash in our account for ten ( 10 ) days.
11/19/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	LA 705XX	Web
Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/2018 Balance : {$300.00}
06/02/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	CA 93063	Web
I have a loan with SYNOUVUS/XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and SYNOUVUS/XXXX with no successful resolution. XXXX, XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
08/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	OH 44108	Web
Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681 e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation not reporting 100 % accurate. Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.
12/10/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Company closed your account	AZ 85143	Web
Had a secured credit card with First Progress. Opened XX/XX/XXXX and closed by the financial intuition on XX/XX/XXXX. The card had a {$300.00} security deposit. Security deposit has not been returned. Card had a zero balance with no pending transactions. Was not able to contact first progress by phone or online. Sent a letter in XX/XX/XXXX, requesting my security deposit be refunded and provided my card and updated information for myself. Have not received a response
09/18/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	AR 71901	Web
unsure about the dates, but I have been talking to all 3 of the Bureau XXXX, XXXX, and XXXX constantly for the last several time about this. And trying to depute it online about this. And no reply! Now have all 3 BureaXXXX freeze, because different companies running my credit without my approval or they will tell me that it's a soft pull. and when I check my credit report, It pull my score down to XXXX to XXXX points. So now I have all 3 of my Credit Bureau freeze.
09/23/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	NV 89081	Web
The company has no way of contacting them and takes long processing it also have predatory ways to make payments and can not set payments on auto. If you make a payment it may take 7 days to process and another 7 to be applied. I submitted a payment XX/XX/21 but it wont be applied until XX/XX/21 and will be after XXXX when the payment is applied. They also literally have no way of reaching out to them. Once you choose Customer Center is redirects to the login page.
11/17/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	TX 78729	Web
I obtained a secured credit card with First Progress Card. They have me at {$200.00} balance and reporting me as being late from solely late fees. I closed my account with them and used my deposit to pay off the account and they charged me another late fee!! If {$200.00} was given why would I be charged again and given another late on this card. I was charged the annual fee as well but closed the account shortly afterward. I should have this fee reversed as well.
05/11/2016	Yes	Credit card	Identity theft / Fraud / Embezzlement	GA 30033	Web
On XXXX XXXX, 2015, I disputed whether the account listed as XXXX Bank and the data legitimately belonged to me. See Attached. After this information was allegedly verified by the bureau I requested what information was used to verify such in a correspondence letters. See Attached. This was done with XXXX Bank as well by phone. I have yet to receive any information confirming the validity of said account. This account should no longer exist on these reports XXXX.
11/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77459	Web	Servicemember
In accordance with the federal reporting credit act. This creditor has violated my rights. Under 15usc,1681 section 602 states I have the right to privacy, also 15usc 1681 section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15usc 1666b, a creditor can not treat payment on a credit card under an open and consumer credit plan as late for any purpose. The creditor XXXX has done this to me.
05/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 95687	Web
In accordance with the fair credit Reporting Act XXXX, Account ending in # XXXX, # XXXX, and account ending in # XXXX have violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose.
06/23/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MA 02127	Web
I was shocked when I reviewed my credit report and found late payment on XX/XX/2020. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
09/18/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	PA 15068	Web
Credit reporting ensures that bureaus report only 100 % accurate credit information, therefore my First Progress Acct # XXXX needs to be re-investigated. I initially requested for this account to be validated, with no response. FCRA section 611, gives me the right to request an explanation of the verification method used. Also this inaccurate information is reporting two times on my report. This is a paid closed account and should not be reporting negatively.
08/12/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Account information incorrect	IL 609XX	Web
I initially opened a secured credit card with first progress bank, the security deposit was XXXX dollars. I had trouble making payments because they didnt take debit payments over the phone, overall many issues making payments in general, so I closed the account. Well I then pulled remainder of funds I deposited off the account and they neglected to close the account for many of months and charged me with XXXX dollars in late fees. Damaged my credit and score.
11/17/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	PA 17110	Web	Servicemember
I found a ATM dispute on XX/XX/XXXX of 2020 it is now XX/XX/2020 I have not been issued a provisionary credit nor have I been accommodated under the Americans with Disabilities Act the customer service is terrible as long holds low resolution of problems I was charged a {$10.00} payment fee that was not disclosed to me I am requesting that {$10.00} be returned I also requested to have a payoff figure sent to my mail to pay off the account due to discrimination
10/25/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	MA 02301	Web
I was shocked when I reviewed my credit report and found late payment on XX/XX/2019. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
12/03/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	AZ 85015	Web
I sent request to validate a credit card account to XXXX XXXX XXXX for a First Progress credit card account owing {$200.00}. Have not received any validation materials itemizing what is owed on the account. Also sent letters to all three credit bureaus, XXXX, XXXX and XXXX asking that they have the account removed from my credit reports until validation can be received. They have not removed the account but just updated some minor information on the account.
08/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 902XX	Web
Recently I did an investigation on my credit report which caused severe distress upon the discovery that my rights were violated by 1STPROGRESS/XXXX on XX/XX/2021 for the amount of {$160.00} 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions I demand that this be removed from my credit report immediately.
04/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	FL 344XX	Web
YES, I HAVE FILED DISPUTE OF FRAUD ACCOUNT FIRST PROGRESS WHICH IS A FRAUDULENT ACCOUNT AND HAVE SUBMITTED ALL REQUIRED DOCUMENTS AND A PROOF OF COPY OF THE LETTER OF RESPONSE FROM FRIST PROGRESS CREDIT CARD AND XXXX STILL REFUSES TO DO A PROPER INVESTIGATION WITH REMOVING ITEM OF MY CREDIT REPORT I WILL CONTINUE TO FIGHT FOR MY RIGHTS AND THIS IS A FRADULENT ACCOUNT REPORTING ON MY CREDIT FILE FIRST PROGRESS CREDIT CARD IS NOT MINES ITS A FRADULENT ACCOUNT.
04/16/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	VA 229XX	Web
In XXXX, I opened a XXXX XXXX secured credit card with a deposit of {$200.00} that I put down towards my credit line. In XXXX of XXXX, I paid off my balance in full and requested my security deposit back in writing. When I contacted the company in XXXX, they lied about not having received my account closure request, which was sent in the same envelope as my final payment. I still have not received the money and would like my deposit back as soon as possible.
11/30/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33409	Web
In accordance with the fail credit # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may nBt treat a payment on a credit XXXX XXXX account under an open end XXXX consumer credit plan as late for XXXX XXXX it and pyt itin that box g Green Screen XXXX
05/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	SC 290XX	Web
XXXX. XXXX XXXX XXXX XX/XX/2023 XX/XX/2023 This company added late payments and this account is closed/reported card stolen XXXX. XXXX XXXX XXXX XXXX XXXX This company added late payments and this company advise me to refinance, but overall did not remove the late payments as promise XXXX. XXXX XXXX XXXX XX/XX/2023 This company added late payments and this account is closed/reported card stolen I also respectful request to be provided proof of these items
04/16/2015	Yes	Credit card	Other	FL 33056	Web
First Progress Card is reporting late payments on my credit report that is damaging my credit. I have fraudulent transactions that I did not authorize which I filed disputed. It was found I was not responsible for this transactions and items were reverse. I would not have been responsible for making payment for this transaction while investigate was in process. Account was closed and paid in full with {$300.00} security deposit required to open account.
05/11/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 302XX	Web
During the year 2018, I was having financial crisis. A credit card company named First Progress was reporting late payments on my credit report. They reported that I was late on the months of XX/XX/18, XX/XX/18, XX/XX/18, and XX/XX/18. This is impossible, because I had auto-pay setup on this account. I for sure have paid on time with this company. I have disputed these late payments for years now, and they have not budged a bit to help this situation.
10/18/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 335XX	Web
In accordance with the Fair Credit Reporting Act FSTPROGRESS Account # XXXX, has violated my rights. 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
06/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MI 480XX	Web
In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C. 1681 Section 602 A. states I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
03/10/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments You never received your bill or did not know a payment was due	FL 32780	Web
FIRST PROGRESS CARD - SECURED CARD CARD OPENED : XX/XX/XXXX - XXXX BALANCE - CHARGES NEVER MADE FIRST PROGRESS NEVER CONTACTED ME REGARDING PAYMENT AND PROCEEDED TO INCUR CHARGES ON THIS ACCOUNT AND DID NOT GIVE ME A CHANCE TO PAY ON TIME. I HAD 2 CARDS WITH THEM TO TRY TO IMPROVE MY CREDIT. INSTEAD THEY ISSUED TWO 30 DAY LATE PAYEMENTS ON MY ACCOUNT IN XX/XX/XXXX. THIS CREDITOR IS KNOWN FOR PREDATORY PRACTICES AND TOOK ADVANTAGE OF THE CONSUMER.
04/05/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Trouble using your card Can't use card to make purchases	NC 28216	Web
I have not charged anything on this card since XXXX of 2020, yet this balance never goes down nor will they allow me to use the card ever to get gas. This company adds late fees even when you make payments. I have tried calling and calling First Progress only to be put on hold and left there for hours at a time listening to prompts roll over and over. I was told there was a once time removal fee of {$40.00} and now when I call they do not answer.
03/10/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments You never received your bill or did not know a payment was due	FL 32780	Web
FIRST PROGRESS CARD - SECURED CARD CARD OPENED : XX/XX/XXXX - XXXX BALANCE - CHARGES NEVER MADE FIRST PROGRESS NEVER CONTACTED ME REGARDING PAYMENT AND PROCEEDED TO INCUR CHARGES ON THIS ACCOUNT AND DID NOT GIVE ME A CHANCE TO PAY ON TIME. I HAD 2 CARDS WITH THEM TO TRY TO IMPROVE MY CREDIT. INSTEAD THEY ISSUED TWO 30 DAY LATE PAYEMENTS ON MY ACCOUNT IN XX/XX/XXXX. THIS CREDITOR IS KNOWN FOR PREDATORY PRACTICES AND TOOK ADVANTAGE OF THE CONSUMER.
01/25/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	PA 150XX	Web
According to my credit report via XXXX XXXX, a First Progress Card was opened XX/XX/XXXX. At the time the account was opened I was incarcerated. I was incarcerated from XX/XX/XXXX until XX/XX/XXXX therefore I am not responsible for this account. This account was opened fraudulently using my information. I have contacted First Progress Card and no action was taken. I would like this account deleted from all credit bureaus and a discharge of debt.
12/28/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Improper use of your report Credit inquiries on your report that you don't recognize	MN 55343	Web	Servicemember
Synovus pulled and accessed my XXXX XXXX, XXXX, and XXXX credit report on XX/XX/XXXX without my authorization or permission for a SynovusXXXX First Digital Credit Card XXXX I did not apply for the credit card. The credit inquiry from Synovus is a fraudulent and unauthorized credit inquiry on my XXXX XXXX, XXXX, and XXXX credit report. I have never applied for any accounts from Synovus. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/XXXX, XXXX : XXXX
09/20/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	VA 20147	Web
I am filing this complaint because First Progress has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you
08/18/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments You never received your bill or did not know a payment was due	MA 02124	Web
I was shocked when I reviewed my credit report this morning and found late payment on the dates below :XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements, which might of been applied to the wrong card as I have 2 of them. I specifically got this card to start building my credit systematically. My only thought is that my monthly statement did not get to me for the correct card.
01/21/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Delay in processing application	NC 28306	Web
on XX/XX/XXXX I was approved for a secured credit card from first progress. I've submitted a deposit of {$200.00} dollars and still haven't received my card and no one from the company seems to not know whats going on. It's been almost an entire month and I'm out of {$200.00} dollars. I have bills to pay and have fallen behind because of this. it's damaging my well being to the point I had to borrow from family which now im in even more debt.
05/14/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Account information incorrect	GA XXXXX	Web
XXXX XXXX is reporting incorrect information to XXXX ; XXXX and XXXX a charge-off for partial account number XXXX and partial account number XXXX. I previously put down deposits to cover these balances. My credit report needs to be corrected to report a {$0.00} balance and {$0.00} past due on these two accounts. ( Please see pages 2 and 3 of the attached credit report. ) This incorrect reporting on my credit report is harming my credit score.
03/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MO 63033	Web
In accordance with the fair credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for on purpose.
07/17/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Old information reappears or never goes away	CA XXXXX	Web	Servicemember
Company closed and charged off account in XX/XX/XXXX. They have been reporting the account as closed on a monthly basis as of XX/XX/XXXX. Per FCRA, it is a violation to report a closed account on a monthly basis after closing an account due to manipulating my credit score. I have reached out to the company and credit bureaus regarding this violation and they have not fixed the problem. This account should be deleted for being in violation.
10/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 347XX	Web
In accordance with the fair credit reporting act FirstProgress # XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Action 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open/closed end consumer credit plan as late for any purpose.
08/14/2018	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	SC 29063	Web	Servicemember
Four charges were charged to my debit card all on the same day XX/XX/2018 to a XXXX XXXX XXXX. 1st Terminal XXXX XXXX XXXX # XXXX XXXX amount XXXX 2nd Terminal XXXX XXXX XXXX # XXXX XXXX amount XXXX 3rd Terminal XXXX XXXX XXXX # XXXX FL amount XXXX 4th Terminal XXXX XXXX XXXX # XXXX FL amount XXXX TOTAL XXXX Who ever stole my card number I want my money back! NOW! Yes I will file charges. Reported to bank, XXXX, XXXX, Identity Theft.gov.
01/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 31069	Web	Servicemember
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
05/20/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Improper use of your report Reporting company used your report improperly	FL 347XX	Web
In accordance with the fair credit reporting act XXXX XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
04/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 94531	Web	Older American
See previous complaint with CFPB XXXX My credit rating has dropped nearly 60 points due to erroneous or malicious errors on my credit profile. I had a complaint with First Progress Credit card, Who indicated they would have XXXX correct a significant drop in my credit score. As of today my score is XXXX as opposed to XXXX. XXXX must make this right immediately. My financial life has gone down hill due to this erroneous reporting. XXXX
04/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 92110	Web	Servicemember
I declared bankruptcy inXX/XX/XXXX. I just saw on my credit report that First Progress credit card is reporting on XX/XX/XXXX the card usage is 64 % and the balance is {$190.00}. This just appeared now and my credit score plummeted by 60 points. I don't understand how this could be, how a closed card can show usage. I called them and the rude operator kept telling me to contact my bankruptcy lawyer. I don't even remember who they were.
08/02/2019	Yes	Credit card or prepaid card General-purpose prepaid card	Unexpected or other fees	GA 315XX	Web
I paid the security deposit the card company ( First Progress ) required to open the account with them and they closed my account without me knowing and without refunding the {$300.00}. They said the {$300.00} security deposit was refundable but they never did refund me. I've signed in and it shows that I have it in there and I called the customer service number on the statement, but when I call it doesn't except any of my information.
03/08/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Improper use of your report Reporting company used your report improperly	MD 20735	Web
in accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A Section 2 it also states a consumer reporting agency can not furnish an account account without my written instructions under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
07/16/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	NJ 08043	Web
I am writing you today as an aggrieved man. FIRST PROGRESS unauthorized took {$200.00} from my XXXX XXXX account for a fraudulent account after my identity was stolen. I filed complaints against with the CFPB, XXXX and PA attorney generals office against FIRST PROGRESS and they closed the fraudulent account and removed in from my name, but they never returned my stolen {$200.00}. I demand FIRST PROGRESS to return my stolen {$200.00}.
07/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 31419	Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for any purpose.
06/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 92407	Web
In accordance with the fair credit reporting act XXXX Account XXXX XXXX # XXXX, has violated my rights 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A section 2 it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A Creditor may not treat a Payment on a credit card account under an open end consumer credit plan as late for any purpose
04/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	VA 23231	Web
In accordance with the fair credit Reporting Act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
04/27/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Improper use of your report Reporting company used your report improperly	GA 30315	Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
11/30/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	SC 292XX	Web
I'VE DISPUTED THIS FRAUDULENT ACCOUNT NUMEROUS OF TIMES AND NOTHING HAS BEEN DONE. I'VE SUBMITTED MY POLICE REPORT, AND FTC REPORT LIKE INSTRUCTED AND STILL THE FRAUDULENT ACCOUNT IS STILL ON MY CREDIT REPORT. I'VE REACHED OUT TO THE COMPANY IN REGARDS TO THIS MATTER AND WAS INSTRUCTED TO CONTACT THE CREDIT BUREAUS. I'VE BEEN GOING BACK AND FORTH FOR OVER A TWO MONTHS WITH NO RESOLUTION. I NEED THIS ITEM REMOVED OFF MY CREDIT REPORT.
10/26/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 626XX	Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
10/18/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33173	Web
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
10/13/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33614	Web
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
09/12/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33014	Web
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
08/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33614	Web
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
06/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NJ 088XX	Web
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction. 15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
05/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OK 74055	Web
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX, has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
04/14/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	CA 93401	Web
I reported my card stolen. First progress proceeded to allow more than $ XXXXin unverified charges. First progress refused to respond to written inquiries and hung up on me when I called. It is now apparent that this was all fraud so they could steal my {$500.00} deposit. If that were not the car then I would have received the copies of the signed or pin verified charges. They could not provide them, so the intention was evident.
05/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19151	Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
02/16/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	MD 207XX	Web
The FIRST PROGRESS CARD with account number XXXX appears to be a charge-off account with a specific balance of {$180.00}. The information itself is already an error because a charge-off account should have NO balance. Another thing is that the account was reported in 3 Bureaus. As per FCRA, the bureaus and the furnisher are to provide 100 % accuracy and they are required to give responses and supply documents to confirm the account
04/24/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Improper use of your report Reporting company used your report improperly	SD 57104	Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
12/07/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Company closed your account	PA 19124	Web
I reported my First progress credit card lost and requested a new one sent to me. The company closed my account without my knowledge, my credit score dropped, and its being reported on XXXX and XXXX as a closed account. My aged credit history has been effected and the company refuses to do anything about it. I do not have a new card and because its a secured credit card, they have not returned the money I used to open the account.
08/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 92117	Web
I accordance with the fair credit report act 1st Digital/Synovus/XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
05/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	RI 02904	Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose.
05/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	DE 199XX	Web
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
12/21/2017	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	LA 70815	Web
I mailed a dispute to the company this summer to dispute a charge. I was mailed a letter on XXXX XXXX, 2017 asking that I call about my request. I have called numerous times about my dispute this time. Each time I have called. I have been told that the company. Has no record of the letter being sent. Or any record of a dispute ever being received. I recently found the letter that I was sent. As verification that it was received.
03/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77083	Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my right. 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
03/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	DE 19802	Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
12/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OH 43201	Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
10/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IN 46254	Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
05/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 150XX	Web
In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
04/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19140	Web
Im accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights 15 USC 1681 Section 602 states I have the right of privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
03/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33881	Web	Servicemember
In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 15 USC Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
12/04/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	CA 93401	Web
My First Progress card was stolen. I reported it to the company and asked them to prevent reverse the fraudulent charges on the account and prevent further fraudulent charges. From what I can tell, they issued a second credit card and allowed fraudulent charges on that and kept two accounts running then failed to post payments to either account. Because of this, I was assessed a late fee and now have a balance of {$520.00}.
05/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77055	Web
I am a victim of identity theft. During a recent review of my credit report, my attorney informed me of creditor " 1STPROGRESSBANK '' issuing a line of credit in my name. This is not my account, nor have I done business with this company. I have never applied for any services, or products, and do/did not authorize the usage of my personal information in connection with or for any monies, or services rendered by this creditor.
04/17/2023	Yes	Credit card or prepaid card General-purpose prepaid card	Problem getting a card or closing an account Trouble getting, activating, or registering a card	LA XXXXX	Web	Older American
I applied for First Progress Secured MASTERCARD/ Synovis Bank on XX/XX/2023. Paid {$200.00} security deposit which which was debited from and posted to my checking account on XX/XX/2023. The card never arrived. There is no email address to contact First Progress/ Synovus Bank . The phone number asks for the credit card number but that is impossible since Ive never been issued a card. They just took my money. Please help me!!
12/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 759XX	Web
In accordance with the fair credit Reporting act XXXX Account # XXXX has violated my rights. 15 USC 1681 Section 602 States i have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not funish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on credit card account under an open end consumer credit plan as late for purpose.
05/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33617	Web
In accordance with The fair Credit be XXXX act XXXX XXXX Account # XXXX has violated my rights. 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 It also states A consumer reporting agency Can Not furnish A account without my written instruction 15 USC 1666B : A creditor may not treat a payment on a credit card account Under an open Consumer credit plan as late for any purpose
03/30/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MA 02324	Web
Amidst this worldwide crisis that we are facing with all that is going on this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.
12/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 23860	Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It a so states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat u payment on a credit card account under an open end consumer credit plan as late purpose.
05/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NJ XXXXX	Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 604 ASection 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
07/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33625	Web
The presence of a derogatory rating on my account is causing me great concern. I am deeply worried about the impact it may have on my credit. It has already led to the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
07/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33510	Web
The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.
12/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	MN 55124	Web
XXXX provides an option to dispute. These options are listed in drop-box format. However the options that I chose to use are not being reported fairly by experian. Instead experian chose to state or use terminology as a method of choice " address dispute '' in which is not my choice for dispute, nor is not an option in drop down box. I believe this is fraudulent in its inaccuracy to help the creditor win over in my case.
05/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 601XX	Web
In ACCORDANCE with the fair credit Reporting act First progress, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX DEPT OF ED, HAS VIOLATED MY RIGHTS 15 USC 1681 SECTION 604 A SECTION 2 : STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 15 USC 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE
08/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 21239	Web
In accordance with fair credit reporting act XXXX accounts shown has violated my rights. 15 use 1681 section 602 states i have the right to privacy. 15 usc 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions. 15 usc 1666b : a creditor may not treat a payment on a credit card account under a open end consumer credit plan as a late for any purpose
11/19/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30265	Web
XXXX has been non-compliant with removing the unverified account SYNOVUS BANK XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that SYNOVUS BANK XXXX was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
10/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MO 64014	Web
In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 a section 2 it also states a consumer reporting agency can not furnish an without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open and end consumer credit plan as for any purpose
05/08/2015	Yes	Credit card	Credit card protection / Debt protection	AL 36867	Web
The information from my credit card was somehow obtained and used to create another bogus credit card where over {$1500.00} was charged to my account. I had stayed at a motel while in the XXXX area and was issued a magnetic key which I turned in when I checked out. Not sure if the information was obtained from the magnetic key or not ; however, I only used my card in XXXX places during the time I was in the XXXX area.
04/29/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	NC 282XX	Web
This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
02/21/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	MA 02301	Web
Dear FIRST PROGRESS Bank ; I was reviewing my credit report a couple of days ago, and I was shocked that there is a negative item thats fraudulent reporting on my credit report without my consent from your company, which was allegedly opened in XX/XX/2018 without my consent, and there is a current value of around {$160.00}. Obviously, I never applied for this account, nor did I authorize anyone to apply on my behalf.
11/17/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Trouble using your card Can't use card to make purchases	CA 92311	Web	Older American
This is a secured credit card with my investment of {$1000.00} I have had this account since XXXX. Had a fraudelent charge disputed XXXX months ago that still has not been resolved. The card was locked for XXXX months because that department line is constantly busy. I have a XXXX $ plus available credit but the card is always declined. Now the general information number is not even active. Something is not right.
09/23/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	PA 19138	Web
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on 1STPROGRESSXXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
08/20/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	NC 28411	Web
First Progress is attempting to collect a debt on my credit file XXXX no longer owed. I never received any notices or collection notices about this debt, any phone calls. Until I checked my credit and noticed debt I called immediately and paid the debt off. I feel like they are in violation of my 30 day right to dispute. Per the FCRA I should have been given a letter to prove my debt and dispute it and I never did.
04/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 43068	Web
Looking over my credit report I noticed some accounts that do not belong to me. The accounts need to be deleted from my credit report immediately. This affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the fair credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). Following accounts : XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX
04/06/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Improper use of your report Reporting company used your report improperly	MD 21224	Web	Older American, Servicemember
I got a no information available for this page when I tried a XXXX search. They are using not fair tactics. I received no communications from them ever on an alleged issue and found out about it through my credit monitoring service. They reported my account as delinquent even though they have never sent any notices. They are just interested in making additional profits and not operating in a transparent manner.
02/26/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Account status incorrect	FL 33321	Web
I opened this credit card to help boost my credit score, after receiving the card I never used the card or spent any money from the card After checking my credit report I seen the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current on payments 30 Past due 30 days 60 Past due 60 days 90 Past due 90 days XXXX Closed This means that for 3 months I was listed as past due
05/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 76140	Web
in accordance with the fair credit reporting acct XXXX has violated my rights 15 USC 1681 section 602 states that i have rights to privacy. 15 USC 1681 Section 604 A section 2. it also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666b. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
04/07/2023	Yes	Checking or savings account Checking account	Opening an account Account opened as a result of fraud	FL 33884	Web	Older American
A Synovus budget checking account was opened without my consent or knowledge. I received a statement of account with a balance of {$20.00} and a service fee of {$5.00} in the mail from XX/XX/2023. Ive called the company at the number provided, XXXX, and they were unwilling to provide the information about the account or its origin without me providing personal information. I was told to contact my credit bureau.
03/15/2023	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	FL 33328	Web	Older American
I have a business account at Synovus. On XX/XX/2023 there was an unauthorized withdrawal of {$6100.00}. The description on the transaction was : XXXX XXXX XXXX Paymnt XXXX XXXX XXXX XXXX. This was reported to the bank on XX/XX/2023. The bank refuses to reverse the transaction because it was not reported within 24 hours of the occurence. I was not aware that I am required to monitor my accounts 24 hours a day.
07/01/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	MI 483XX	Web
I received the card and the way you could pay was by using your bank information on the walebsite. When I started using it they changed the way you have to pay by going through your bank, which most banks do not allow. After my account was past due they then changed it back to the original way you can pay. They wanted the full past due payment. Of almost XXXX more then what it was. The website it XXXX XXXX XXXX
09/02/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Advertising and marketing, including promotional offers Confusing or misleading advertising about the credit card	TX 77091	Web
This card was consider card to help rebuild and repair credit but due to lack of being able to speak with live rep, hard time paying the card besides using checks which I do not have it became a nightmare. I used my own funds for this account and now it is showing negative and closed despite having enough funds to end balance. This has negatively affected me and my credit in ability to obtain future assistance.
04/14/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	TX 77489	Web
i spoke with somebody to close the account it wasnt.Then called on XX/XX/2018 adn spoke with XXXX and she was rude.i ask why am i receiving a late fee she said becuase we didnt receive your money till the 9th. It is not fault you guys received it late. I ask for a super visor 3 time she come back saying there is none available. customer services was never right made me feel unwanted.Never again will i use them
11/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	WA 98516	Web
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on 1STPROGRESS/XXXX/ XXXX Balance {$55.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
02/24/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	TX 75089	Web
This company only excepts payments made by check by your bank or over the phone with a fee. If you mail a check it will always be late at they record the date they received the payment not when it was made. I tried making several over the phone payment and even tried closing my account but they just hang up. So now I have late fees and my account still isnt closed. This card company is committing major fraud.
08/11/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	MD 21216	Web
I opened a First Progress account years ago which charged off and was sent to XXXX XXXX. I have called XXXX XXXX multiple times and they claim the account is no longer in their office and to call First Progress. I call First Progress and they say to call XXXX XXXX This is holding me up. Because i cant pay the balance i cant apply for a mortgage. Someone should be able to locate my account and accept payment
10/14/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	PA 19132	Web
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on FSTPROGRESS. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
09/27/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	PA 19013	Web
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on FSTPROGRESS. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
09/22/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	PA 19146	Web
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process.I 'm not swayed that XXXX XXXX efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
01/27/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Account information incorrect	TX 77016	Web
I obtained a secured credit card from First Progress Credit. I had a hardship and asked to close the card since it was secured with my own money. They never closed the card then started charging many fees. Then they charged it off and reported it on my credit as if I owe them {$200.00}. I secured the card with XXXX. First Progress continues to report negative remarks on my credit falsely. This is wrong.
04/05/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	TX XXXXX	Web
I have made numerous attempts to have this issue resolved with XXXX XXXX regarding a negative charge off account on my credit file. The account is not my account and I have never had any business with XXXX XXXX XXXX. I have asked that I be provided with validation and verification of the debt including an authorized signature. This has not been provided. My consumer protection rights are being violated.
04/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	AR 72104	Web
I HAD MY IDENTITY STOLEN AND SOMEONE CREATED XXXX ACCOUNTS UNDER MY NAME SO XXXX TRYING TO BUY A HOUSE AND I NOTOICED THAT I HAVE BAD THINGS ON MY CREDIT NOW I CANT GET A CAR LOAN OR BUY A HOUSE AND I HAVE A XXXX XXXX XXXX THAT DEPENDS ON ME I HAVE COLLECTIONS THAT I NEVER HEARD OF PAYMENTS THAT WERENT DUE ON TIME THAT WASNT ME THIS PERSON RUINED MY LIFE AND I HAVE A POLICE REPORT FOR THE IDENITY THEFT
01/05/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	NV 89120	Web
My account has been closed for months, and I have been struggling due to job loss to pay off this account. On XX/XX/2022 there was a payment due on the account. Even though the company was closed they charged me a late fee for the payment not being received on that day. This company has also been charging me {$10.00} fees to make payments to them making it almost impossible to pay the balance to XXXX
02/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NJ 080XX	Web
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on XXXX XXXX Balance : {$0.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
05/17/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	GA 318XX	Web	Servicemember
Had borrowed money in 2004 and paid off shortly thereafter where a primary residence was used as security. The loan was paid in full but the title was never released. I have requested the Bank ( XXXX XXXX XXXX XXXX XXXXXXXX, XXXX GA ) to release the title and all I could get was a letter stating we owed no money. The home has been sold and I need the lien removed by the bank. Thank You, XXXX XXXX
01/14/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Information belongs to someone else	CA 953XX	Web	Servicemember
In XX/XX/XXXX I was made aware that XXXX XXXX had reported XXXX separate late payments on my credit report from XXXX & XX/XX/XXXX and XX/XX/XXXX. This mistake led to me having to call the company several times over the course of 3 days from XX/XX/XXXX, up until XX/XX/XXXX, in an attempt to have them correct their error, an error which also led to my credit score reflecting an inaccurate number.
11/02/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30134	Web
XXXX keeps reporting a charge off account as a recent charge off more than twice within the same year and my score has dropped each time that the account was reported. This account was originally charged off in XX/XX/XXXXand twice in XX/XX/XXXX and again on XX/XX/XXXX First Progress has erroneously reported this account as being recently charged off which reflects in a score decrease each time.
06/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33023	Web
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
06/22/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TN 37421	Web
1st ProgressXXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX will not remove collection from my credit report even though this is not my account. I have no knowledge of this account and do not have a contract with this company for any debt. I continue to dispute this charge to no avail and have yet to see any documentation I have signed or agreed to. I have exhausted all options to correct this issue.
11/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 77090	Web
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX Credit Bureaus are reporting inaccurate information on FSTPROGRESS. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
02/22/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	SC 29108	Web
Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. Status updated XXXX XXXX Balance - Balance updated - Recent payment - Monthly payment {$0.00} Credit limit {$200.00} Highest balance {$220.00} Terms NA THIS ACCOUNT IS REPORTED AS A CHARGE OFF BUT I NEVER RECIEVED A 1099-C CANCELLATON OF DEBT FORM. THIS ACCOUNT IS INACCURATE AND NEEDS TO BE REMOVED
07/14/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	IL 622XX	Web	Servicemember
I called First Progress on XX/XX/2020 to confirm that I didnt have a payment due.I noticed the amount due changed right before the due date. The representative, who didnt give his name, stated that I didnt have a payment due the next day. On XX/XX/2020, I checked my account and noticed I was charged a {$2.00} interest fee. I have been calling them for the past two days and NO ONE will answer.
08/14/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	MI 48185	Web
TO WHOM IT MAY CONCERN, XXXX I REQUESTED TO CLOSE THIS ACCOUNT DUE TO BEING VICTIMIZED BY A PROGRAM FEE OF {$95.00} AND A FIRST YEAR ANNUAL FEE OF {$75.00} WHICH MADE THE CREDIT BALANCE {$220.00} WHICH IS PREDATORIAL LENDING. I HAD BEEN OFFERED A {$500.00} CREDIT LIMIT. PLEASE REFUND ALL OF MY FEES AND CLOSE THIS ACCOUNT AS SOON AS POSSIBLE. THANK YOU! RESPECTFULLY YOURS, XXXX XXXX XXXX
01/12/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	SC 29115	Web	Servicemember
I didn't know my First Progress Credit card was stolen, from my previous address in the process of moving in XXXX. I have a balance of {$350.00} and reoccurring late payments that I did not know about. They closed the account but I am a victim of identity theft and credit card usage that's not my own. And the mail that they sent me says I have another past-due payment on XX/XX/2022 XXXX
10/06/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	TX 765XX	Web
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on FSTPROGRESS. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
10/15/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Account status incorrect	GA 30114	Web
I made my XXXX payment on time in person with cash via XXXX XXXX and this company could not locate my payment. I have my receipt of this payment. Due to the company not being able to assist me with locating this payment I requested for my account to be closed. Now this company is reporting that I was 30 days late in XX/XX/2020 when my account with this company was closed in XX/XX/2020.
11/08/2021	Yes	Credit card or prepaid card General-purpose prepaid card	Problem getting a card or closing an account Trouble getting, activating, or registering a card	FL 323XX	Web	Servicemember
They do not have customer service personel. I have been on the phone over an hour and nobody answers. I cant get any assistance. I applied, they took {$750.00} from my bank account then after payment they are requesting more information. So, after thinking more clearly this card is not for me. I would like my money back in full and not retrieve a credit card with First Progress Cards.
04/12/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments You never received your bill or did not know a payment was due	TX 754XX	Web
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2019 I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me. I disputed this in XXXX and it was removed by the credit bureaus and it is now reporting again. Please remove.
04/07/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Account information incorrect	KY 42101	Web
on XX/XX/2021 I called First Progress to settle an outstanding credit card bill. I was told that if I paid the bill in full and not settle that they would agree to remove the account in its entirety. Well the account has not been removed at all from my account. I have called on several occasions and the customer service reps are no help at all and refuse to transfer me to a supervisor
10/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	WA 989XX	Web
I have reached out to First progress multiple times requesting a XXXX balance letter to be mailed, faxed, and emailed. I have paid the account off in full before it has reached collections and have applied for a home loan and this would greatly impact my score if I could get what I requested. All agents I have spoken with have given me a run around and delayed precious valuable time.
12/13/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NH 037XX	Web
My synovus check card number was stolen and used for thousands in unknown purchases. I informed the bank immediately. Inexplicably they didn't return my stolen money ( but they did send another card ). This {$2800.00} negative item was the result of fraud and the account should be removed from my credit report : XXXX XX/XX/2019 BALANCE {$2800.00} ORIGINAL CREDITOR XXXX SYNOVUS BANK
03/02/2017	Yes	Credit card	Other	FL 33193	Web
I 've deposited {$1800.00} in order to have a secured credit card with First Progress Card. After few years I decided to close the account, I 've called XX/XX/2017 to close and ask for the deposit refund, at that time I was informed it should take up to 7 weeks which is ridiculous. It 's Seven weeks already and I did n't receive the refund, now I 've told that is up to 10 weeks!!!
02/14/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30122	Web
This account was paid in full to First Progress on XX/XX/20 in the amount of XXXX. It was paid directly to First Progress Card and not a collection agency. The account is paid in full and has a XXXX balance. I have verified this several times with XXXX and they refuse to correct the information. First Progress has also refused to verify the correct information with XXXX as well.
11/01/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 34953	Web
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
02/27/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MA 02122	Web
I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
08/14/2017	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	TX 75219	Web
On XXXX a charge of XXXX was charged to my account from a XXXX XXXX store in California I was in Texas, the state in which I reside in, When I noticed the charge on my account I filed a dispute with First Progress. The company rejected the dispute and would not give any explanation of how they came to the decision or provide any documentation on how they came to the decision.
04/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OK 741XX	Web
In accordance with the fair credit Reporting act XXXX Account # XXXX XXXX XXXX, has violated my rights. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card under an open end consumer credit plan as late for and purpose.
01/08/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Company closed your account	CA 91335	Web
On XXXX XXXX XXXX XXXX closed my account without warning. They are also reporting to the credit bureaus of this action and also late payments, which I did not consent for them to report to any credit bureaus according to consumer law. Further more the card had a limit of {$300.00} and now they are saying I owe {$500.00}. how is this even possible? I never went over my limit.
03/15/2017	Yes	Credit reporting	Incorrect information on credit report Account status	GA 30030	Web
XXXX, Synovus and Columbus Bank and Trust are all the same bank and now any bank that has an affiliation XXXX keep reporting the same delinquency every year so it stays on my report. I made an attempt to satisfy and was told they could not find and account for me. They should only report as of 2011 not every year. I feel they are doing this to continue to cause me hardship.
10/20/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	FL 33068	Web
I made a payment from my bank account on XX/XX/XXXX to XXXX XXXX Credit Card. They received my payment on XX/XX/XXXX. The Due date is XX/XX/XXXX. I was online getting ready to make my XXXX payment when I saw the late fee. They said I am late because they applied the payment on XX/XX/XXXX, even though they received my payment on XX/XX/XXXX. I think this is illegal and wrong.
07/03/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Account status incorrect	CO 80910	Web
THE FIRST PROGRESS SECURED CREDIT CARD IS NOT DELINQUENT. FIRST PROGRESS OWES ME MONEY. I CLOSED, MY ACCOUNT, WHILE MY BALANCE WAS LESS THAN XXXX DOLLARS. THIS IS A SECURED CARD, WITH A XXXX DOLLAR LIMIT. I AM OWED MONEY. FIRST PROGRESS HAS CHARGED-OFF MY ACCOUNT. FIRST PROGRESS STATES THAT I OWE OVER XXXX DOLLARS. FIRST PROGRESS SHOULD OWE ME, A LITTLE UNDER XXXX DOLLARS.
02/10/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	TX 75071	Web
XXXX XXXX, the consumer sent out a notice with my id and bank statement for proof f address regarding the transaction and experience reporting on my consumer report. First Progress is reporting utilization on my credit card which is a clear violation of 14 USC 1681a2 ( A ) ( i ). Not only that but late payments are being reported which is a clear violation of 15 USC 1666b.
03/19/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	VA 231XX	Web
XXXX XXXX has the count as 120 days late on XXXX, XXXX but it's showing as 150 days late on XXXX. Also on both XXXX and XXXX the payment status shows paid but on XXXX it shows derogatory. Nothing about the account is right. I have sent them several letters and nothing has be done. They haven't even sent me a letter explaining why they reporting it like that on my report.
10/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 08753	Web
I checked my XXXX credit report through XXXX XXXX and found an " XXXX '' account. I am not a social security recipient ( XXXX or XXXX ) and have never been one. I also found a XXXX XXXX XXXX that I did not open or make charges on appearing on the report. Finally, I found a " XXXX XXXX XXXX '' account for {$1200.00}. This is not my account and these are not my charges.
07/26/2022	Yes	Checking or savings account Checking account	Opening an account Account opened as a result of fraud	FL 33351	Web
An account was fraudulently open in my name at Synovus Bank. I was made aware after the account was overdraft. I went to the ban on several occasion, Met with different bank managers who guarantee me that it would have been address and since XX/XX/2022. To date I've been getting collection letter and reporting to Synovus letting you know the situation the isn't resolved..
12/07/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	MO 63010	Web
I tried to pay this account before my due date, but the payment portal they were using got shut down. Then they shut my card off. Then I called them to make the payment and I had to go through all sorts of crazy steps to pay my bill. They called me back, told me I was late, told me to pay my bill early, and assessed a late fee. This was ridiculous, I want my late fee back
08/20/2020	Yes	Mortgage Home equity loan or line of credit (HELOC)	Trouble during payment process	FL 33062	Web
On XX/XX/XXXX Synovus added {$7100.00} to the principal balance of my mortgage. On XX/XX/XXXX I called their customer service # to find out what this is for. They could not provide an explanation as to why this happened. I have made all my payments on time and have no idea why they added this amount to my balance. I want this reversed ASAP and any interest credited back.
12/12/2023	Yes	Credit card General-purpose credit card or charge card	Problem when making payments Problem during payment process	TX 78130	Web
They sent checks returning payments that I made, because the amount exceeded my balance. They were never received, and they can not provide me with any other information. The only correspondence offered, is to send letters to a po box and they said if someone fraudulently cashed the checks sent to the wrong address, that was my problem and there is nothing they will do
12/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	IN 461XX	Web
My first progress is checked daily to make sure I continue building my credit and don't miss payments. I didn't owe for the month of XXXX and I now owe XXXX which is accurate for XXXX as a due date but my score dropped XXXX points and I haven't missed any payments. I don't believe this is fair this has happened to me before with first progress and this is unacceptable.
08/22/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	SC 295XX	Web
On the dates of XXXX and XXXX of XXXX and XXXX of XXXX it shows as late payments on my credit report. On those dates I sent payment in but the credit card company stated they didnt receive the payment but when I reached out to my bank they said the payment was taken out. I called in and customer service rep stated they could have been having website issues at the time.
07/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TN 37115	Web
I have accounts that are inaccurate and its destroying my credit. Send legal proof with accurate information within the legal days or please remove the items immediately within the legal time frame. The following accounts are below XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX First Progress Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
06/06/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments You never received your bill or did not know a payment was due	MA 02301	Web
I was shocked when I reviewed my credit report and found late payment on the dates below for 2 of my XXXX XXXX Credit card. XX/XX/XXXX-30 days Late XX/XX/XXXX-60 days LateXX/XX/XXXX -60 days late I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
03/13/2017	Yes	Credit card	Closing/Cancelling account	VA 24018	Web
I used to have a credit card from " first progress '' and closed it before 3 month 's, today i discovered through my credit report that they aree Reporting As Delinquent, Derogatory, Or aeing Disputed. I tried to contact them throughout the telephone or email but they do n't have a un woorking telephone number or they do n't answer phones and they do n't have emails!!
06/20/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Company closed your account	GA 309XX	Web	Servicemember
First Digital accepted my payment on XX/XX/2023 and now the account is closed. I called the XXXX number but customer service could not provide me any valid reasons. By closing these credit cards it has caused harm to my credit report. This is a great concern because how many other people have this very thing happened to them? This is clearly bad business practice.
05/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	KY 40160	Web
had filed a dispute on the reporting of first progress account # XXXX stating that the dates were inaccurate. I feel they didn't do a proper investigation because they have the open date as XX/XX/XXXX and said that was verified how is that possible when I have the date showing XX/XX/2018. This is causing me stress because it just seems like their process is hopeless
04/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 333XX	Web
I Was Never Late on the Payments of the accounts Listed Please show me documentations showing proof of transactions showing I was ever late to Support your inaccurate Reporting on my accounts, IF you can not Supply this Please Delete these Allege late payments from my Credit Report, These are Invalid late payments, The FCRA allows 30 days for this to be rectified.
01/20/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	PA 19140	Web
First Progress/ XXXX XXXX has been reporting this fraudulent account on my credit report 2021. I never had an account with them. The card appears to have a XXXX limit. The account is reporting a {$270.00} high balance. As well as reporting a late payment. This account is listed as an adverse account on my consumer report negatively affecting my credit worthiness.
10/12/2016	Yes	Credit card	Billing statement	CT 060XX	Web
FIRST PROGRESS SECURED CARD DOES NOT ANSWER PHONE OR RESPOSE FROM MAILING MY COMPLAINT THEY STATE THEY WILL REPORT TO ALL CREDIT BURUES THEY HAVE NOT DONE SO AS STATED ALWAYS WRONG INFO THAT HAS HURT MY SCORE NOW I HAVE A LETTER THAT SAYS I HAVE BALANCE OF XXXX AND A CREDIT LIMIT OF XXXX BUT WHEN I PULL UP MY ACCOUNT IT SAYS I AM NEGATIVE MONEY NO AVAILABLE CREDIT
08/29/2016	Yes	Credit card	Closing/Cancelling account	WV 26062	Web
Contacted First Progress Bank XX/XX/XXXX and spoke to XXXX different individuals who stated they have closed the account and will have in removed within 90 days. Contacted them again in XX/XX/XXXX and they refused to discuss the account because it is closed and marked as fraud. But they still have not removed this from the credit reports from the credit bureaus.
09/16/2023	Yes	Credit card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	VT 058XX	Web	Servicemember
I put down a {$200.00} deposit to get this card and then close did attitude XXXX dollar balance, however, they decided not to close it and they kept it open and now it is {$13.00} over and theyve been charging me that for years they need to close this account because my security deposit more than pays the balance and remove it from my credit report I demand it
06/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL XXXXX	Web
First Progress Credit Card, issued by Synovus bank is reporting to the consumer reporting agencies while the account and the charges on the account are in dispute and in litigation in XXXX XXXX in the XXXX XXXX XXXX Florida. This is a defamation of character, a means of extortion, is a willful and intentional harm to my person, and violates my consumer rights.
12/04/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Application denied	MN 55343	Web	Servicemember
I have applied for a Synovus Bank First Progressive credit card numerous times and each time, my application for credit was denied by Synovus Bank. Synovus Bank is discriminating against me and denying me credit due to my race, color and national origin. Synovus Bank is in violation of the Equal Credit Opportunity Act ( ECOA ) under federal law 15 U.S.C. 1981.
04/14/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	TX 76201	Web	Servicemember
OnXX/XX/XXXX I mailed notice to close my credit card account and refund my security deposit on an expedited ( with in 7 days ) basis as described on the website. I received notice from XXXX XXXX dated XX/XX/XXXX my letter was received and my account was closed. Today is XX/XX/XXXX, over two weeks, and I still have not received my security deposit refund.
12/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MD 21117	Web
I've been trying to get this charged off account removed since XXXX, this account is showing inaccuracies, wrong dates and wrong amounts owed is not matching, this account clearly shows that it's been charged off and debt was sold, this been appearing since XXXX and it's been a nightmare trying to repair my credit just to be financially stable for my family
05/11/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Delay in processing application	NC 28208	Web
On XX/XX/2020 I signed up for this card. I made the yearly fee on {$39.00}, I deposited {$300.00} in the account and also paid a rush fee of XXXX to receive the card sooner. The transaction has been stuck on processing since. There is a contact number, but no way to speak with an actual person. It has now been 15 days and I don't have a card nor my money.
10/17/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32835	Web
I mailed a letter to first progress card, and I requested a 1099C to be sent to my address so I can file the canceled debt as gross income on tax return. I have yet to receive what I request. The reporting of this account is in accurate, income does not get reported on the consumer report. The IRS clearly defines a charge off as Gross or Ordinary income.
09/03/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Account information incorrect	TX 754XX	Web
My first progress account is reporting the incorrect balance and updated outside of my statement cycle date I had a balance of {$0.00} on my statement date and it reported however on XX/XX/XXXX it updated with the credit bureau a balance of {$760.00} outside of my report date I am closing on a home in the next week and this had my my score drop 13 points
09/21/2021	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Fraud or scam	NY XXXXX	Web
I made a complaint about Synovus Bank on XX/XX/21, they state that they handle my case to XXXX XXXX. I have called them once between XX/XX/21 and today XX/XX/21 and they said they will call me back. But they have not updated me on the investigation. I have tried having my bank recall the fund from Synovus Bank but Synovus Bank would not let me recall.
04/23/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 91739	Web
Ive contacted the following creditors : XXXX First ProgressXXXX XXXX XXXX XXXX XXXX XXXX XXXX And the all three credit bureaus : XXXX XXXX XXXX, To remove all late payments as I agreed to pay-to-delete and goodwill deletions with all creditors however I did not get it in writing and they are refusing to delete rom my credit. Please kindly advise.
11/15/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	AK 999XX	Web	Servicemember
First Progress repeatedly mishandled my payments, which were mailed directly from my bank to their address on the statements. They marked me as delinquent for XXXX and XX/XX/XXXX, as well as XX/XX/XXXX, even though I sent payments for all these periods and mailed in proof of these payments. This has severely hurt my credit and I want it to be fixed.
12/29/2020	Yes	Checking or savings account Savings account	Opening an account Unable to open an account	GA 30132	Web
I want into my Synovus Bank located in XXXX Georgia and was told by 4 workers that they didnt have time to open my a savings account to go along with my check account that I already have. I was refused service by 4 different people. I watched every XXXX customer come in and be served with a smile. But I had to be told come back and ask for a manager
09/05/2023	Yes	Credit card General-purpose credit card or charge card	Other features, terms, or problems Other problem	TN 38134	Web
Ive closed the account and have requested my deposit back, the company has yet to send me my deposit. I originally requested my deposit on XX/XX/2023. They are now stating that it was returned and now are sending it back out on XX/XX/2023. This is unacceptable and I feel as though I have been scammed, no one with the company is able to assist me.
08/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30331	Web
The inquiries and companies listed are unauthorized and unrecognizable. There is now a lock on my credit as well. -XXXX XXXX ; Inquiry Date XX/XX/XXXX -XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX -XXXX XXXXXXXX ; XXXX Date XX/XX/XXXX XXXX ; Inquiry Date : XX/XX/XXXX -SYNOVUS BANK ; Inquiry Date XX/XX/XXXX -XXXX XXXX Inquiry Date : XX/XX/XXXX
04/07/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Delay in processing application	MN 55343	Web	Servicemember
I am having an issue of applying for the First Progressive Platinum XXXX XXXX XXXX Credit Card through Synovus Bank on XXXX XXXX and through Synovus Bank online application process. My application for the secure credit card cant be processed online on XXXX XXXX or Synovus Bank website. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/1974, XXXX : XXXX
05/03/2017	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	CO 801XX	Web
I went to pay my bill at the office of this company the day that it was due but the office was closed so I was unable to make the payment. I paid it the next day at their office because their website was unavailable to me to use and they reported m e 30 days late when it was only 1 day late and it was only because their office was closed.
01/24/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Application denied	MN 55343	Web	Servicemember
Synovus Bank is not processing any of my credit card applications. I applied for the XXXX XXXX credit card on XXXX XXXX and I received an online message of, we can process or proceed any further with your application. I have never apply for or had any credit card from Synovus Bank. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/1974, XXXX : XXXX
05/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77084	Web
I have a legal right to dispute anything on my credit report that was not authorized by me.. The following account are mines and are reporting in a negative way on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX -U.S. DEPARTMENT OF EDUCATION XXXX XXXX XXXXU.S. DEPARTMENT OF EDUCATION # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
12/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MI 48170	Web
15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
06/10/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Delay in processing application	NV 89121	Web
Synovus Bank took {$220.00} for pre paid debit card. on XX/XX/XXXX, XXXX XXXX XXXX took the money and same day mail me a letter on XXXX XXXX then mail me a letter stating they need make sure it me and ask for copy of my drivers license. Utility. They took the money I paid extra to expedite the card. This company is nothing but a scam.
11/11/2023	Yes	Credit card General-purpose credit card or charge card	Advertising and marketing, including promotional offers Confusing or misleading advertising about the credit card	MA XXXXX	Web
They were not clear that there was or did not advertise that there was an annual fee I was not told about the annual fee an I close the account after they charge me so they mess my credit bureaus so they mess my credit up then they tell me I have to wait 10 weeks to get my money back in a check when I gave them a bank to bank transfer
05/29/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Company closed your account	FL 33020	Web
I contacted First Progressive Bank and notified them that I lost my job and am experience financial hardship due to Covid-19. I requested that they not report my account as late until I could resume to make payments. They closed my account and kept reporting my account as late Due to this my credit report has suffered irreparable harm
03/18/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Trouble using your card Can't use card to make purchases	PA 17110	Web	Servicemember
First Progress has closed my account without my authorization. First Progress has treated me in a discriminatory manner on customer service phones calls. First Progress refused to reopen my account and I have a credit in the amount of {$210.00}. First Progress has not honored their terms and agreements, they charged undisclosed fees.
11/21/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments You never received your bill or did not know a payment was due	PA 19320	Web
I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/2019, 60 days late as of XX/XX/2019 and 90 days late as of XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
05/20/2015	Yes	Credit card	Closing/Cancelling account	GA 30067	Web
I had a secured credit card with First Progress Card. I called and had the account closed. I informed the representative to use my security deposit money to pay off the account. They are reporting the account as a charge off on my XXXX credit reports. Ive had the credit bureau 's investigate my claim. They did n't resolve the issue.
06/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30135	Web
Hello I have been dealing with this since my release from XXXX when I found out someone was applying for credit in my name. I been trying to resolve this matter I sent a police report but the company refuses to remove this erroneous fraudulent information from my credit report as well as violating my right under 15 usc 1681 a
11/06/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	FL 32068	Web
Debt collection agency Told me my name and last XXXX of my social security. I did not have to verify anything I just stated yes it is my social security number. This is a blatent release of my sensitive information and I would like action taken if possible. XXXX - Manager XXXX XXXXaddress XXXX XXXX XXXX. XXXX, Alabama XXXX
10/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 304XX	Web
The company is in violation of reporting transactions or experiences on my consumer report. Law 15 USC 1681a 2 ( A ) ( i ) exclusions clearly states the consumer report does not include transactions or experiences. This also violates my right to privacy, is negligent non-compliance, civil liability, deformation of character
12/06/2023	Yes	Credit card General-purpose credit card or charge card	Getting a credit card Card opened without my consent or knowledge	MD 21204	Web
VICTIM OF IDENTITY THEFT. ALL PERSONAL INFO EXPOSED IN MULTIPLE DATA BREACHES. TOOK PART IN CLASS ACTION LAW SUITS AND HAVE BEEN COMPENSATED. A POLICE REPORT, A IDENTITY THEFT AFFIDAVIT SIGNED BY LAW ENFORCEMENT AND FTC REPORT HAVE ALL BEEN SUBMITTED. I HAVE DISPUTED THE ACCOUNTS THROUGH THE CREDIT BUREAUS TO NO AVAIL.
08/19/2023	Yes	Checking or savings account Checking account	Managing an account Fee problem	SC 29406	Web
I did mobile deposit on the XX/XX/XXXX in the amount of {$280.00} to synovus bank... I thought maybe will be available no more than 3 business day... but not clear till the XXXX between this two weeks I have some overdraft..they changed me XXXX each transaction ... I don't feel fairly.. because they held my check so long...
12/09/2022	Yes	Checking or savings account Checking account	Opening an account Account opened as a result of fraud	FL 33177	Web
Someone opened an account using my name, social security #, address and phone number. This account was opened at Synovus bank, i was notified by the bank and have received a statement in the mail. I do not know this person and am concerned of other fraudulent actions that maybe taken. Documents can be provided as needed.
08/17/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NJ 08701	Web
I have a loan with FSTPROGRESS, XXXX XXXX XXXX, and XXXX I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, FSTPROGRESS, XXXX XXXX XXXX, and XXXX with no successful resolution. There was definitely an error on their part.
04/11/2019	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	FL 32714	Web
Hello I was just writing in regards to some accounts that were settled and satisfied. but the creditors are still refusing to remove them from my credit reports. this is causing alot of problems for me to get approved for a loan. I asked for the accounts to be remove permanently. please help me with this if you can. thanks.
09/17/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	GA 30080	Web
pursuant to FCRA 15 U.S. CODE 1692B ( 2 ) FDCPA 15 U.S. CODE 1692a I have a right to an accurate consumer file and when asked via written correspondence this company should have provided me with verification of this debit being mine and they haven't, therefore I am demanding this account be removed from my consumer reports
04/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 770XX	Web
On XX/XX/XXXX and On XX/XX/XXXX I mailed a certified affidavit to XXXX XXXX and XXXX XXXX XXXX stating that I did not authorize or give consent for their company to share my personal information with any third party and that is identity theft. The company has failed to respond and the items is still on my consumer report.
12/30/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Charged too much interest	TX 77521	Web	Servicemember
First progress does not acknowledge the military lending act nor the XXXX. I have given proof of XXXX XXXX orders as well as proof of becoming permanently XXXX from my service time. They state I am not on an XXXX XXXX registry currently. Obviously not, I became XXXX in XXXX and can non longer work, let alone be XXXX XXXX.
09/12/2016	Yes	Prepaid card General purpose card	Unauthorized transactions/trans. issues	KY 40245	Web	Older American
I had XXXX pre paid cards with XXXX, A MasterCard and a Visa for {$300.00} each. After I used to total amount on both cards, unauthorized charges were made to XXXX cards. They will not cooperate with me to get this off of my credit reports! Please help me. I am XXXX years old and XXXX.!!! Acct. # XXXX .... and XXXX ....
03/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	CA 949XX	Web
My credit reports show the agencies are reporting a bankruptcy with inaccurate information wrong dates and filings that appears under my name the account is outside of the bankruptcy when should be included in the filling the courts have confirmed they have given no agency the right to post this information in my file.
09/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 34638	Web
An account that is being paid 100 % on time and has never been late is being reported to the 3 major credit bureaus as a charge off. This is incorrect and can't seem to have it corrected by the lender. I am attaching the last statement received from the lender and proof of the latest payment made on time Account # XXXX
04/07/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Trouble using your card Can't use card to make purchases	NJ 08857	Web
I opened an account with First Progress Master card, however i have been making payments on time, none of my payments returned! I issued a check payment to the bank, my bank cleared the funds, the credit company refuses to add my payment to credit balance to increase my credit limit ... .... First Progress Master card
10/25/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	OH 45014	Web
I have first progresses Secure credit card never missed a payment. I have it on auto pay. This was an missed payment reposted it was a already paid on time I contacted their customer support and they promise me to correct the error Until now they did not correct it And Allegedly the late payment was on XXXX XXXX XXXX
06/30/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 070XX	Web
please check the following accounts, which appear on my credit report, without any authorization, do not belong to me Identity Theft FSTPROGRESS Account XXXX : XXXX This is not mine. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
02/28/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	CA 90047	Web	Older American
I was unable to resolve disputes for 5 unauthorized billing errors. So, I closed my First Progress secured credit card account. My First Progress XX/XX/2021 Statement proves the account closure date without the complete refund of 5 unauthorized charges on it, which total {$120.00}. I am due a full refund of {$120.00}!
09/10/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Credit monitoring or identity theft protection services Billing dispute for services	FL 33409	Web
Back in XXXX XXXX XXXX XXXX and was not able 2 pay so they changed me all dis fees n I was out work fa XXXX XXXX I'm just go XXXX to work XX/XX/XXXX plus they put a bad mark on my credit report Ra late payments 60 days late I never miss a payment I been with them fa 4 years and they can't work with me XXXX XXXX XXXX
05/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC 29045	Web
In accordance with the Fair Credit Reporting act XXXX Account # XXXX violate my rights. 15 U.S.C. 1681 Section 604 A Section 2 : States I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.
04/25/2017	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	TX 77083	Web
I had only made one or two purc hases on the credit card. Then a few weeks later I noticed the credit limit on it was all gone. And I had not made these purchases. I have proof because I do not have the receipts for them. You can check the camera where the card says I bought it. Or you can check with the cashiers.
08/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NV 89106	Web	Servicemember
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
04/14/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Sent card you never applied for	MD 21044	Web	Servicemember
I applied for a secured card with XXXX XXXX. They charged me {$300.00}, and I never received the card. Now my bank says someone is trying to access my account and I need a new bank debit card. I called XXXX XXXX at XXXX in the afternoon and the voicemail says the service center is closed. I cant log on online.
09/28/2023	Yes	Credit card General-purpose credit card or charge card	Other features, terms, or problems Other problem	TX 78216	Web
Hello, Im needing assistance with a deposit being returned to me in the amount of {$200.00}. I closed my account with this company in XX/XX/2023 and I have yet to receive my return deposit. Im not sure of their reason of holding my deposit however the account has been closed and Ive yet to receive my deposit.
09/02/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MO 63366	Web
XXXX XXXX has a late payment on my credit report ; XX/XX/2021 XXXX XXXX XXXX XXXX has a late payment on my credit report ; XXXXFirst Progress has a late payment on my credit report as well. Privacy and Consent- There is no law stating that any transaction need to be reported. 15 US Code 1666B- billing error
07/10/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Struggling to pay your bill Credit card company won't work with you while you're going through financial hardship	OH 443XX	Web
I have a first progress credit card. Where I make a {$100.00} minimum payment. I payed on time thorough out all the pandemic. I recently have gone through a financial hardship and I missed one payment because of that. I then made the payment but I still had a late payment on my record. It was in XXXX of 2021.
06/20/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	PA 19148	Web
I XXXX XXXX ; XXXX am writing you as an aggrieved man. I did not open an account with FIRST PROGRESS, nor did I know of and or consent to anyone opening an account up with them in my name. I know nothing about this fraudulent account. My identity was stolen, and several fraudulent accounts opened in my name.
02/25/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments You never received your bill or did not know a payment was due	TX 75070	Web
I was shocked when reviewing my credit report and found two late payments on the date below : 30 days late as of XX/XX/XXXX 60 days late as of XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
04/12/2017	Yes	Credit card	Billing disputes	NJ 088XX	Web
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2016, XX/XX/2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
01/06/2017	Yes	Credit card	Billing disputes	TX 78653	Web
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2015, XX/XX/2015 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
06/22/2021	Yes	Credit card or prepaid card General-purpose prepaid card	Problem getting a card or closing an account Trouble closing card	NC 27614	Web
I initially did not receive the credit card in the mail for several months. I was not able to make payment in the online system. When I tried to close the prepaid card, they told me I could not. Now, I have late payments on my credit report that I have requested be removed with no response from the company.
04/24/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Company closed your account	MI 48035	Web
First progress credit card company closed my account and never returned my security deposit of XXXX dollars After I rescission of contract because an unauthorized user found my card and accessed my funds this is a breach of contract and I deserve monetary relief for damages and my security deposit returned
08/24/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 95838	Web
The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate.
11/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33543	Web
RE : XXXX XXXX opened on XX/XX/XXXX incorrectly shows {$440.00} was written off. On XX/XX/XXXX - {$440.00} I paid " XXXX XXXX ''. Please see attached bank statement. ( bottom of page 1 ) Please update the account as PAID in full, with nothing written off or delete the account in it's entirety. Thank you.
08/11/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 306XX	Web
First Progress Card was opened as a result of identity theft. I have placed a fraud alert on my credit reports and filed an identity theft report. I sent a dispute with my identity theft report to all three bureaus. I have attached the tracking numbers to my letters and the identity theft report as well.
12/30/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt resulted from identity theft	IL 60659	Web
Hi I been living out of the country from XX/XX/XXXX-XX/XX/XXXX I have a sever case of Identity theft. I see this company has listed info on my credit file. I do not owe or did I authorize for anything to be put or open on my credit. This is Identity and finical theft. please remove from my credit file.
04/24/2023	Yes	Credit card or prepaid card General-purpose prepaid card	Problem getting a card or closing an account Trouble getting, activating, or registering a card	WI 545XX	Web
XXXX I opened a prepaid credit card and I paid {$200.00} I never received my credit card or statement. I called and they stated the card hasn't been activated and I owed late fees and it was being reported to my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, PA XXXX
11/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33543	Web
FIRST PROGRESS CARD - incorrectly reporting as : Payment after charge off/collection Purchased by another lender. This was paid in full in XXXX of 2021, and I have made multiple written requests for evidence of the charge off/pay history for which there has been no response for more than 60 days now.
08/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 27703	Web
In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 15 U.S.C 1681 Section 602 A. States I have the rights to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a Consumer reporting agency can not furnish an account without my written instructions.
06/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33510	Web
I want you to know that I missed the payment on my account due to my being seriously sick and hospitalized. I have lost out on job opportunities because of these late payment remarks. This is ALL because of the XXXX I also could not close a home for my family due to this situation. I am really XXXX
09/22/2017	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	FL 327XX	Web
I have cancel my card as soon I found out they took an yearly fee. I told them I do not want another year and they refuse to refund. I told them to cancel my card. I get a bill for XXXX 2 month later. I try to tell them they owe me money ... and they hang up the phone. I feel I been taken advantage.
03/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TN 382XX	Web
This account is reporting on my consumer report and the amount has been settled. XXXX XXXX is reporting false information. Reporting inaccurate information is a violation to the Fair Credit Reporting under 15 USC 1681s-2 ( 1 ) ( A ) This item should be removed from my consumer report immediately.
03/24/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	UT 84058	Web
First Progress is reporting a debt on my credit file I do not owe. I didn't know about this debt until I checked my credit. I didn't receive any letters, calls, notifications about this debt, but as soon a I found out I paid the debt and I am requesting this debt to be removed off my credit file.
06/08/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments You never received your bill or did not know a payment was due	MA 023XX	Web
I was shocked when I reviewed my credit report and found late payment on the dates below : -30 Day Late -XX/XX/XXXXXXXX XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
04/12/2017	Yes	Credit card	Billing disputes	NJ 088XX	Web
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
12/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 196XX	Web
Company was never authorized to share personal credit reports with XXXX, XXXX or any parties not authorized by me myself or identity holder which is my according to credit reporting law, i would need your help and getting them to remove all this frivolous information on my credit report please
08/09/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	SC 29707	Web
On XX/XX/22 I paid {$340.00} to XXXX XXXX, they where the collection company used by First Digital, almost a year later after I paid the money First Digital sold the debt to a different collection company and they want me to pay the same debt again, I have proof that I paid that debt in full.
03/13/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	TX 78254	Web
Payment of {$70.00} was made on XXXX to bring my account current for the XX/XX/XXXX payment date. I was charged a late fee on XX/XX/XXXX which put me over the limit. The company stated I made my payment too early so it charged me a late fee. I requested the fee to be waived and they refused.
02/14/2023	Yes	Checking or savings account Checking account	Opening an account Account opened as a result of fraud	FL 33572	Web
XXXX it appears an account was opened under my identification info at Synovus bank amount {$25.00}. Found out when letter arrived via snail mail letting me know {$5.00} was taken out for low account balance and now just remaining {$20.00}. I contacted synovus and they set up a flag as fraud
04/23/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	CA 94608	Web
I have called twice today to make a payment and was told that I have to call back because the " system is down ''. I asked whether my account would be noted with the fact that I have called twice and been told to " call back in an hour ''. I was told no that I would simply have to call back.
12/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 76017	Web
I have contacted each on elf these creditors as followed XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I have attached my letters and the FTC report that was forwarded to the creditor/ Debt collection company. Please block and remove the accounts as they are fraudulent
04/24/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	VA 22801	Web
I had a credit account with first progress card. the account went into a charge off/ collection. I paid the bill 0f XXXX in full and first progress is refusing to update the information with all 3 credit bureau. I have full evidence that I have paid the money. I have a photo of my receipt.
05/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	VA 23324	Web
I have satisfied the account with the following company for the Account Number # XXXX and as a result I was notified that once I paid this account off in its entirety that this account would be removed from my credit file as it is preventing me from being able to gain credit at this time.
06/19/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NJ 07018	Web
On XX/XX/2020, my payment was received late. I explained to the credit bureau and XXXX XXXX that my payment was late due to an error. XXXX XXXX didnt look into my payment history with them, because if they did than they would notice that my payments have been on time for the last 2years.
03/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33060	Web
First progress reported this account closed XX/XX/2018. Yet first progress is reporting payment history on top of that every month As a chargeoff. This is a violation!!! Fcra indicates that information must report with accuracy and this is accurate? My score has been drastically affected
11/16/2022	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	FL 33404	Web
All XXXX credit bureaus is showing several different information. XXXX is showing a balance of {$190.00} with XX/XX/XXXX being my last activity date, XXXX is showing a different last activity date of XX/XX/XXXX while XXXX is showing a balance of {$200.00}. Please investigate and delete.
11/18/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Application denied	MD 20743	Web
I reached out to just progress credit card and paid my balance in full, 1 year later I applied for a XXXX credit card and they said that it shows that I still owe first progress credit company and thats why they denied my request for credit with them, it wasnt charged off its been paid
01/19/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Can't close your account	VT 054XX	Web
I've asked repeatedly to close this account, once and XXXX then in XXXX, they failed to do so even after my last complaint to CFPB. This has affected my credit, and at this time I'm requesting that they remove the last late notation from my credit report as this should've been closed
06/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MO 64050	Web
Accounts considered charged off/Collections. These accounts are still on my consumer report and should not be. Wrongfully garnished wages with XXXX XXXX XXXX and I want my money back. Was never given 1099-C for any of these debts. I believe these companies are committing tax fraud.
02/08/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Company closed your account	TX 75149	Web
First Progress closed my account and didn't even alert me that theyre closing the account. I would like an explanation of why my account was closed but yet I still have access to my online account and was able to setup and make payments but according to my credit reports it closed.
04/18/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	MD 21224	Web	Older American, Servicemember
It happened again, this time, for the first time ever, I received a statement in the mail saying I owed them {$110.00}! After I have paid them {$69.00}. They are exploitive and frauds. No routine credit card purchases has ever been made and this must involve fees of some sort.
03/22/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	MD 21075	Web
Creditor extended secured credit of {$200.00}. Card associated with this account was never sent/received. Requested the card several times. Creditor had counted {$190.00} worth of charges for the card I had never even received, then closed my account and kept the security deposit.
04/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30135	Web
i have been incarcerated since XXXX and i was released XX/XX/XXXX to come home to find many accounts open in my name and my bank account empty.my home was broken into shortly after i was arrested and alot of personal information came up missing and that how i believe this started
07/27/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 90220	Web
XXXX has not removed a fraudulent account that was a result of identity theft. This account has already been removed from XXXX XXXX and XXXX and I have supplied all supporting documents, I am a victim of identity theft and this fraudulent account needs to be removed immediately.
04/01/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Sent card you never applied for	IL 62040	Web
Somebody tried to put a credit card in my name I did not apply for the credit card and it is now on my credit bureau and affecting my credit score it is called first progress and several other credit companies have inquired about my credit and I did not authorize this to happen
10/23/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments You never received your bill or did not know a payment was due	GA 30263	Web
I was shocked when I reviewed my credit report and found 90 days late payment on XX/XX/2019 - XX/XX/2019. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
06/01/2016	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	FL 32082	Web
Synovis mortgage company continues to harass me each month for payment on XXXX mortgage even though each month a payment has been made for 10 consecutive months. As I mention over and over to to XXXX XXXX at Synovus. The home is for sale and we can only make one payment a month
01/17/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	NJ 08302	Web
This account had a 0 balance and was reported as closed in XXXX of 2020. This was a secured credit line and I received my deposit after the account was closed. After this happened they proceeded to mark my account as repeatedly past due and left derogatory marks on my account.
10/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NJ 070XX	Web
Hello, I made these payments on time, and the company changed the due dates on the card without notifying me. This is a tactic this company continues to use, In order to receive fees. I have reached out several times and asked them to clear up the situation, and they haven't.
07/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 902XX	Web
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
11/11/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments You never received your bill or did not know a payment was due	PA 19132	Web
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2019 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
03/19/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments You never received your bill or did not know a payment was due	PA 19320	Web
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2019 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
12/23/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments You never received your bill or did not know a payment was due	TX 75078	Web
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2021 I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me.
12/23/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments You never received your bill or did not know a payment was due	TX 75032	Web
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2021 I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me.
04/27/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	GA 31904	Web
I had a close account with Synovus bank from about a year ago. The agent recently said that I had a negative balance wants the account clothes and I was unsure as to how that happened. Synovus wired my IRS refund to XXXX XXXX XXXX and they took my refund. It was {$5400.00}
02/13/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NJ 07042	Web
This credit card is being reported as 30 days late in XX/XX/2022 although I was given erroneous information and I had unauthorized charges on my account. The company did not take the proper steps to investigate my claim and has ignored emails to their corporate office.
01/26/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	PA 17110	Web	Servicemember
First Progress has closed my account without my permission they have kept my security deposit and refused to refund it to me they have not fully investigated claims they have treated me in a discriminatory manner they have not fully disclosed the terms and conditions.
08/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	OH 441XX	Web
First Progress is my issue. I made payment on XXXX. I check my credit score saying Im delinquent on my account! I made the full payment of {$87.00} that it ask me to pay in full! This has caused great harm and now Im under duress! It dropped my score dramatically!
03/14/2017	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	FL 33313	Web
In XX/XX/XXXX I contact both the credit bureaus and the creditor of this account to validate the dates the account was opened. I recently reviewed my credit reports and the entry as old as XX/XX/XXXX is still reporting and showing on my credit files why is this?
07/14/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	CO 80249	Web
I was looking at my dashboard and I noticed some charges on my account and the company didn't have an email address that I can contact to resolve the issue First Progress Mastercard Late charge debt fee {$29.00} on XX/XX/21 MC-1 sales draft {$95.00} on XX/XX/21
02/14/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33463	Web
Hi, I filled out my information for an application for XXXX XXXX and then canceled without submitting the application. I then got noticed that my XXXX credit was pulled on XX/XX/ and then again on XX/XX/. Please remove these two inquires being reported on XXXX.
10/06/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	LA 700XX	Web
I agreed to do a pay for delete with a credit card that I had with 1st Progress/ XXXX XXXX. I paid an account off in XX/XX/2019 that was charged off to collections. After paying the account off 1st Progress did not delete the account like they said they would.
06/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33647	Web
Prepaid credit card, can not owe money I funded myself. This was suppose to help my credit score but it hurt it more. The account was closed and no longer utilized FCRA 15 U.S.C. 1681 Section 602 : I have the right to accuracy and fairness of credit reporting
07/03/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	PA 19038	Web
Status of closed account by XXXX XXXX Card is being re aged. Received an alert from XXXX XXXX under XXXX that as of XX/XX/XXXX the card was closed when it was previously reported as closed in XX/XX/XXXX. They are also showing twice on credit reports with XXXX
01/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33313	Web
Evaluate this account : 1STPROGRESSXXXX XXXX Balance {$120.00} reporting by making a revision of the information provided. Charge off account should show {$0.00} balance so why is it that there is a {$120.00} balance indicating if it is a charge off account.
10/28/2016	Yes	Credit card	Identity theft / Fraud / Embezzlement	GA 30064	Web	Servicemember
Requested information on this account for over 1year no response .Requested paperwork and all information .This accont was set up with out my approvel.Reporting closed on one report and active on another, limit went from XXXX to XXXX .This is not my account.
05/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CO 80021	Web
This debt is being reported as a charge off. I have not been supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, therefore any such debt in fact therefore exist.
03/15/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	CA XXXXX	Web
As a result of a background check for a job that I applied for, I found out that an ex roommate of mine applied for several credit cards among other things in my name. As a result of this I checked my credit and see my credit score has dropped dramatically.
09/01/2021	Yes	Credit card or prepaid card General-purpose prepaid card	Unexpected or other fees	CO XXXXX	Web
I never used this card, there were fraudulent charges on this card from a XXXX XXXX. I called the dispute line, I sent copies of the complaint and they tried to charge me overdraft fee 's on fraudulent charges that were in dispute. Case number XXXX & XXXX
01/11/2016	Yes	Credit card	Credit determination	MI 480XX	Web
I paid my credit card bill on time and it is showing that I am 60 days past due causing my score to plummet XXXX points on Equifax. Please update as this is negatively impacting my credit. I even have paid a premium using XXXX XXXX to pay or check by phone.
09/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AL 362XX	Web
I was un rightfully denied credit under title '' 15 subsection 16:11 '', " false and misleading denial of my own credit '' USC code 15 16-11. I formally request written response in 72 hrs, or I would like to speak to the underwriter of this account. Thanks
05/10/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Trouble using your card Can't use card to make purchases	NJ 08857	Web
First Progress Mastercard Each month the bill comes in to be paid, i have been on time with all my monthly payments ... .they are withholding my credit line, to be honest my bank already cleared the funds days ago ... .. please help me with this ... ..
05/16/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 775XX	Web
I am a victim of identity theft. The information listed below, which appears on my credit report, is the result of identity theft. FIRST PROGRESS XXXX {$160.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$550.00} XX/XX/XXXX XXXX XXXX XXXX {$790.00} XX/XX/XXXX
09/26/2018	Yes	Checking or savings account Savings account	Managing an account Problem using a debit or ATM card	GA 30213	Web
My information was stolen last year around XX/XX/2017. Money was taken from my account several Charges were made. I had almost XXXX in my savings account. It is now XXXX. I have contacted merchants and my bank for help but no one has gotten back to me.
10/09/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Old information reappears or never goes away	MI 48340	Web
This company refuses to update an account that has been paid. They continue to report that theres a {$200.00} balance on the account, when in fact there is not a balance on the account. It was paid in full. The account was also closed against my will.
07/19/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32836	Web
I been contacting goin on two month now from this date this company letting them know thats they are reporting a account on my credit report that I have never open or have no idea of I try everything is possible but they will not remove this account
09/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 342XX	Web
First progress secure credit told me that if I paid the balance off that the account would be removed from my credit report. They have refused to remove the account from my credit reports XXXX, XXXX XXXX and XXXX. Ive disputed it several times.
06/30/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	IN 461XX	Web
I filed a dispute currently the company was first progress. My score just went up saying the payment was made. I got my XXXX something points back. The next day my points dropped back down saying I'm more than 30 days late when I already paid them
12/14/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	MI 48238	Web
Ive been dealing with an ongoing issue involving discrepancies on my credit reports. I have a closed out account due to a unauthorized credit card. I have never applied for an account with this company nor have I given anyone consent on my behalf.
06/12/2017	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Delay in processing application	KY 427XX	Web
Applied for secrure credit card month ago put XXXX dollars down on it for a security deposit have n't heard from them it 's called first progress master card need tknow if I am going to get it if not want my money b ack one month i s long enough
09/21/2016	Yes	Credit card	Other	IL 60644	Web
First Progress Card is reporting that I owe them on all XXXX of my credit reporting agencies. I 've never opened up a card with this company. 1. I 'm requesting an application with my signature on it 2.I need proof that this account belongs to me
10/31/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 92374	Web
I have a list of companies that have run inquiries on my name that i did not authorize nor have no knowledge of until. I am a victim of identity theft and have rights as a consumer. I have docs to provide the status of being identity theft victim
10/04/2022	Yes	Checking or savings account Checking account	Managing an account Funds not handled or disbursed as instructed	SC 29209	Web
I have had XXXX credits credit to this closed account and did not realize it until a few months ago. The bank need to check their legers to see where my money is. They have sent my account for collection and never paid it with the credits owed.
06/03/2022	Yes	Checking or savings account Other banking product or service	Managing an account Problem making or receiving payments	GA 30127	Web
I have waited on hold for three hours trying to initiate a wire transfer to my brokerage account in which the bank had me on on hold for three hours in which I missed my deadline to send important funds to my brokerage which will cost me money.
08/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 93065	Web
This account was opened fraudulently & is reporting on my credit report. I have reached out to XXXX, XXXX XXXX XXXX to delete account. They have said the furnisher ( First Progress ) has verified information which can not be true or confirmed.
09/24/2020	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NE 681XX	Web
I have contacted this company via mailing letters on XX/XX/2020 and XX/XX/2020. I have not received ANY correspondence from this company. I have contacted the client and they could not locate as well but it still reporting on my credit report.
06/12/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	UT 84058	Web
First Progress is reporting inaccurate late payments on my account. This debt was paid back in XXXX of 2020 and they are reporting late payments on XX/XX/2020 & XX/XX/2020. This is erroneous! These lates need to be removed off my credit file.
10/20/2023	Yes	Credit card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	MN 55343	Web	Servicemember
Attached is a letter from XXXX XXXX for proof of payment of my closed Synovus First Digital credit card account. My closed First Digital credit card account balance is paid in full. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/1974, XXXX : XXXX
02/27/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MA 02122	Web
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
01/17/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	RI 02860	Web
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
09/23/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MA 02127	Web
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
08/06/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MA 02780	Web
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
04/06/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	DE 19808	Web
XXXX XXXX credit card Has recievd my remittance payment / coupon XX/XX/XXXX Certified mail # XXXX XXXX XXXX XXXX XXXX They have not credited the payment & continue to demand payment and report account deliquent which is hurting my XXXX XXXX
05/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	KY 40511	Web
XXXXXXXX XXXX is showing my account as closed/charge off with a {$0.00} balance after I fought four months to close the account with the {$0.00} balance. Account closed, finally as charged off after 4 deliquent months on a {$0.00} balance.
04/18/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MA 02124	Web
I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
11/17/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Account status incorrect	IN 46235	Web
I brought this problem up to first progress about my car being sent to collections I paid the collections and they still have nine charge offs reporting on my credit report I called and asked them to remove and they gave me the runaround
09/12/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AZ 85050	Web
XXXX/XXXX has gone from last late of XXXX on a charged off account with a XXXX balance to a last late of XXXX and now with a {$11000.00} balance on a charged off account from 2011. This is unfairly ruining my ability to use my credit.
10/28/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	MO 63640	Web
First Digital credit card opened in my name, called them and sent them FTC report. they have failed to remove or reach back out. affidavits sent and numerous calls. card opened and balance reported as late pay is damaging my credit.
11/30/2017	Yes	Credit card or prepaid card General-purpose prepaid card	Problem getting a card or closing an account Trouble closing card	CA 92673	Web
By phone, I closed my account with XXXX XXXX XXXX, Which is a prepaid card. I was told I would receive a check in the next 2 weeks. This was XX/XX/XXXX. I still have not received my initial {$1000.00}. pre payment as of XX/XX/XXXX.
02/09/2023	Yes	Checking or savings account Checking account	Managing an account Banking errors	TN 37660	Web	Servicemember
Synovus Bank sent me an overdraft letter for an overdraft of {$2000.00}. I have never opened or accessed any accounts at Synovus. I contacted them and they are going to investigate the fraud. They suggested I contact you as well.
02/26/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Account status incorrect	IL XXXXX	Web
I have 2 negative reportings of 30 day lates on XXXX and XXXX : XXXX XXXX and XXXX of XXXX This reporting inaccurate and does not exist on XXXX. I've had the since XX/XX/XXXX, almost 3 years and I have never been 30 days late.
07/01/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Personal information incorrect	NC 279XX	Web
Worlds foremost bank aka XXXX XXXX shows up in a loan application Along with XXXX XXXX # XXXX XXXX XXXX # XXXX I need to know info On accounts They app was with ex husband XXXX XXXX And one XXXX XXXX on my credit reports # XXXX
10/06/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	WA 98466	Web
There was an unknown hard inquiry that showed up on my credit report from SynovusXXXX XXXX on XX/XX/23. I have no knowledge nor dealings with this company. I never gave authorization for this company to access my credit reports.
03/26/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	NC 27591	Web
I was shocked when I reviewed my credit report and found a late payment on the date below : 30 days late as of XX/XX/2019 I am not sure how this happened. I believe that I had may my payment to you when I received my statement.
10/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MI 48220	Web	Older American, Servicemember
SYNOUVUS/XXXX climes that I owe them {$11000.00}... Contractor did not finish the roofing job in XXXX, paid for one year the contractor would not finish the job I stop paying in XXXX was settled this year!!! Paid in full!!!!!
02/11/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30041	Web	Servicemember
During XXXX of XXXX someone opened up a time-sharing account utilizing my information. Around XXXX there were two First Progress credit cards opened. As well as multiple inquiries of people trying to obtain credit in my name.
12/27/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	FL 32244	Web
My wallet was stolen in XXXX with alot of my personal belongings like my ID, social, debit and credit cards, and nowI have some charges on my account that do not belong to me : - {$400.00} on XX/XX/18 from XXXX XXXX XXXX XXXX
10/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MD 21117	Web
This account was closed and charged off which means the debt was sold! XXXX is reporting inaccuracies from the highest balance This account is very old from 6years ago it's devastating having this appear on my credit
09/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 77038	Web
I called first progress numerous time also sent in a dispute letter about the 3 late payment on my credit report last one was sent in on XX/XX/2022 asking to remove the late payment and still haven't gotten a response.
04/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Problem with product or service terms changing	GA 30281	Web
On XX/XX/2022 at XXXX I called First Progress to ask why they put a delinquent note on my credit report. They say that they will erase it, but they didn't. That is hurting my credit score. The number I called is XXXX
05/14/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33324	Web
My credit report shows hat the account was in arrears on XX/XX/2017 to XX/XX/2017, for 30, 60 and 90 days respectively. This is inaccurate, and this should be removed from my credit report/ need a trade line deletion.
05/07/2023	Yes	Credit card or prepaid card General-purpose prepaid card	Unexpected or other fees	SC 29407	Web	Servicemember
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( no ) 281 SW 715,719, I pressure that no proof of the alleged! debt, nor therefore any such debt, in fact therefore exist
05/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	FL 33404	Web
I wrote a letter to each credit bureau back in XX/XX/ about negative items on my credit report and got no response. Im demanding these accounts to be deleted immediately. According to 611 ( 5 ) ( A ) of the FRCA
11/25/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MA 02125	Web
FSTPROGRESS XXXX Charge-off This is inaccurate reporting because of the reported dates that is not consistent with the bureaus. Also there is only one bureau that reports the payment history. Please remove this.
01/26/2016	Yes	Credit card	Billing disputes	CA 92683	Web
When I make a payment it takes several weeks to appear. I must wait 10 weeks for a refund on my secured credit card if I close my account. They are difficult to get ahold of and provide bad customer service.
10/05/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 30286	Web
I had a checking account sent to collections and Synovus Bank never called or sent me a letter regarding the account. I was never told that I owed them money, and I would certainly have paid them if I was told.
11/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 75050	Web	Servicemember
This account is inaccurate, I have spent 2 years disputing TWO accounts. Both by mail and over the phone. I even paid it to get it removed from my credit report! They continue to report inaccurate information.
07/12/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	CA 92127	Web
I have paid on time to this {$200.00} secured credit card credit building Program. I have never made a late payment. But they somehow always charge me a late fee of {$40.00}. The company name is FIRST PROGRESS
10/26/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	CA 915XX	Web
The secured credit card organization First Progress issued by Synovus Bank. The organization strategically delayed payment processing until after the due date in order to post a late payment fee to my account.
05/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NJ 07501	Web
This company have 2 late payments on my report which is affecting my ability to do business! I have mailed them a letter and I still haven't gotten a response. I need these late payments removed immediately!!
02/02/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NJ 07042	Web
I reached out to them several times about erroneous charges and the fact that their website did not process my payment. I was reported as late which should not have happened. This company is scamming people.
11/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30135	Web
first progress credit card shows 30 days late for the month of XX/XX/2021. This information is not reporting correctly. I have never paid late. I told Rep that the first time i seen this report on my credit.
08/24/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	PA 17110	Web
First Progress Card did not give me a provisional credit for a dispute that I filed on XX/XX/2020. Violation of Regulation e. The case ID number is XXXX, I still have not received my item from merchant XXXX.
11/17/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MA 02301	Web
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
06/12/2020	Yes	Mortgage Other type of mortgage	Applying for a mortgage or refinancing an existing mortgage	GA XXXXX	Web
I submitted an online application with Synovous bank and have experienced communication issues, discrimination and fraud from the Loan Originator/ Market Sales Leader XXXX XXXX XXXX Please see attachments.
04/29/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	TX 770XX	Web
Have not update billing payment that was paid on XX/XX/2022. The customer service agent was unprofessional and unethical. Then proceeded to make a late payment on my account. Which was already paid!!!!
10/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30021	Web
First Progress credit card has shared information with XXXX, XXXX, and XXXX of XXXX late payment dated XX/XX/2021. This one late payment has been reported incorrectly and has been a hinder in my life.
10/24/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	IN 46235	Web
I called XXXX and I went over my credit report with them showing them about the charge offs on credit cards that were closed display and accurate information and negatively impacting my credit score
06/11/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 30331	Web
In Georgia, written contracts have a statute of limitations period of 6 years from the time in which the debt becomes due and payable and the period runs from the date of last payment ( OCGA 9-3-24 )
04/12/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	TN 38125	Web
On XX/XX/2019 1STPROGRESSXXXX reported on my credit for the amount of {$140.00}. They are unable to collect a debt or report to credit due to not been licensing or having a bond in the state of TN!
07/20/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	KS 66048	Web	Servicemember
A dept collection law firm, is garnishing my bank account, which I had no knowledge of an account in the process of being garnished.I believe it is identity theft or mistaken me for some one elese.
02/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	SC 29607	Web
My name is XXXX XXXX. I am submitting this complaint without any influence from any party or agency. Please see attachments/ attached documents and id as it contains my full complaint and request.
12/05/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	CA 93705	Web
XX/XX/2019-XX/XX/2019 I noticed account on credit file and have attempted to resolve this fraudulent account on my credit account I have been unable to resolve issues with this account and company
02/24/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	NV 89120	Web
I spoke with XXXX XXXX and advised them that I lost my job due to COVID-19 and they placed me on a hardship payment and advised as long as I made the payments I would be reported as being current
06/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 90037	Web
The attached unauthorized and unverified accounts were opened in my name fraudulently. I never gave my information to these creditors to open accounts with them. I am a victim of identity theft.
10/31/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	VA 23452	Web
XXXX XXXX XXXX XX/XX/XXXX late payments & I called XXXX XXXX, they closed the account. I want the closed account deleted and the inquiry. Same thing with the first progress ( opend XX/XX/XXXX ).
08/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	SC 29579	Web
XXXX They are saying it had to be seven seven years from last payment Past Due both of these accounts are past due date XXXX and the balance are wrong. SYNOVUS BANK XXXXXXXX XXXX XXXX XXXX XXXX
06/15/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Can't close your account	OH 45342	Web
I havent received a bill for this. My address is current and has been. Not sure how I know I owe on something when it pops up on my credit years later. And youre saying ive been late since 2015?
04/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IN 47714	Web
XX/XX/2023 I sent FIRST PROGRESS A no parking rule/Refusal to pay/Cease and Desist notice and on XXXX they continue to report to my consumer report violation of regulation F paperwork attached.
08/23/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Company closed your account	NJ 070XX	Web
First Progress Credit Card Account was paid and closed. Still reports on credit report. Date closed XX/XX/2022 Amount paid of {$400.00} on XX/XX/2022 Refunded of {$290.00}, XX/XX/2022 XXXX
06/18/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	FL 346XX	Web
First Progress is reporting an open account of {$130.00} balance. Credit limit {$500.00} and high balance of {$630.00}. The account was canceled by credit grantor. Was never opened by me.
10/30/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33162	Web
XXXX XXXX has a different payment date on the credit bureaus and also is not reporting the correct payment history. XXXX, XXXX and XXXX is showing different history on XXXXXXXX XXXX XXXX
04/21/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	PA 19119	Web
I notice that I have some errors in my credit reports and it keeps me annoyed, I want you to remove this fraudulent account asap. FSTPROGRESS, balance is {$540.00}, and account # XXXX.
02/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	PA 19146	Web
Contacted the credit bureau about reporting the late payment. The bureau told me to contact the creditor and they are both saying they didnt place a notice of late payment on the report
05/31/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NC 27545	Web
First Progess was sent a letter of dispute via XXXX on XX/XX/2023. After review of my credit reports, First Progress has not marked any account as disputed as required by the FDCPA
02/25/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 770XX	Web	Servicemember
I never signed an agreement with 1st Digital/Synovus/Vt . I have contacted this company numerous times that i do not owe this debt and for them to remove it from my credit reports.
06/20/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Struggling to pay your bill Problem lowering your monthly payments	MS 394XX	Web
First progress wasnt reporting correctly on my credit to much different information, that never matched. They closed my account without my knowledge now its messing with my credit
03/04/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Company closed your account	OH 452XX	Web	Servicemember
This company has closed my account yet is ACTIVELY STILL reporting monthly the collection on my credit report in an attempt to harass me into payment ... a violation of the FCRA.
05/14/2020	Yes	Credit card or prepaid card General-purpose prepaid card	Problem getting a card or closing an account Trouble closing card	MI 48601	Web	Servicemember
I tried closing my credit card account XX/XX/XXXX. The company was to return my prepaid deposit. Still have not received and the company is no longer taking calls due to COVID-19
01/29/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33432	Web
Please account was open fraudulently without my consent. I have contacted the company numerous times to let them know. I did not authorize this account to be open under my name.
02/09/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	TX 79423	Web
Hello, Im trying to close my first progress and they said they wont refund the annual fee. Because Im closing it and wont be using it, they should refund my annual fees as well.
01/06/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	SC 293XX	Web
First Progress credit card services over charged my account in fees to have my account limit higher than it should have been and would do anything about trying to fix the issue
11/11/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MA 02301	Web
I have raised a dispute on this account and attempted to contact the company/creditors several times without success. On my credit record, this account is incorrectly reported.
10/15/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MA 02122	Web
I have raised a dispute on this account and attempted to contact the company/creditors several times without success. On my credit record, this account is incorrectly reported.
10/04/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MA 02324	Web
I have raised a dispute on this account and attempted to contact the company/creditors several times without success. On my credit record, this account is incorrectly reported.
06/13/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MI 48188	Web
Secured credit card FIRST PROGRESS CARD states a charge off but card was secured with my deposit of {$300.00} and account was closed. Incorrect reporting Account closed in 2016
04/05/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	GA 30252	Web
I was told that the debt belonged to me and the only way to get it off of my credit was to pay it. It was only {$67.00} so I did. They wrote it as paid and never removed it.
06/04/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	NV 89120	Web
Company is not sending monthly statements and continuously charging additional fees. Company also reported my account as late even when current making payments during COVID
07/28/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Trouble using your card Credit card company won't increase or decrease your credit limit	MO 638XX	Web	Older American
Prepaid credit card. I sent {$200.00} for a {$200.00} limit. On XX/XX/20, I sent an additional {$100.00} to increase my limit to {$300.00}. Card still shows {$200.00} limit
07/07/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Problem with balance transfer	MS 394XX	Web
I have a first progress card and just paid a payment of XXXX. My credit limit was only XXXX now its XXXX. Once paying the credit card my balance only went down XXXX dollars
09/16/2023	Yes	Credit card General-purpose credit card or charge card	Improper use of your report Reporting company used your report improperly	NC 28215	Web
XXXX5 USC 1861 section 602 A. States I have the right to privacy. Synovus Bank sold my private information to XXXX XXXX XXXX. Which therefore violated my right to privacy.
03/23/2022	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	CA 952XX	Web
I opened an account with an attempt to build credit, i neer used the card yet the company states i used the amount due and currently owe a balance. i NEVER used the card.
05/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 38116	Web
I HAVE INFORM THESE COMPANYS THAT I HAVE NEVER DONE BUSINESS WITH THEM OR SIGN FOR ANY PRODUCT OR SERVICE YET THEY ARE STILL REPORTING THESE ACCOUNTS ON MY CREDIT REPORT.
03/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	PA 19120	Web
On XX/XX/2021 I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.
02/12/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	FL 33432	Web
This isnt my XXXX t Ive never authorize or consent with wet ink everything was done digital which is negligence by your company lack of security made my ssn vulnerable.
07/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 92336	Web
i recently pulled my credit report and XXXX XXXX has my personal information that i did not consent to. this is violating my rights of privacy and needs to be corrected
09/06/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Account information incorrect	PA 19145	Web
First progress card as of XX/XX/22 is reporting inaccurate information! The remarks are incorrect and this was PAID IN FULL! NO CHARGE OFF! PLEASE DELETE FROM REPORT!!
07/19/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NC 27545	Web
First Progress Card was sent a letter of dispute. After review of my credit reports, First Progress Card has not marked my account as disputed as required by the FDCPA
07/23/2015	Yes	Credit card	Transaction issue	TX XXXXX	Web
I rented a car from XXXX XXXX. They placed a hold for {$210.00} from me. They claim that the old was lifted properly. The credit card company will not lift the hold.
10/17/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	MA 02126	Web
This account is being reported inaccurately. I see repetitive late marks and I do not see the date of last activity being reported which is a violation of the FCRA.
08/30/2023	Yes	Credit card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	ID 83713	Web
i was charged tons of ridiculous fees and charged for credit to balance fee for {$48.00}, what is that and why was i charged for it and how can i get it refunded??
07/28/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MS 394XX	Web
I have a credit card with first progress my credit limit only XXXX. They had me paying back XXXX not reporting the correct information after receiving my payment.
10/30/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 79705	Web
i have disputed this account and they haven't been able to verify the debt is mine and they are reporting this inaccurate and unverified debt on my credit report
08/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33411	Web
XXXXDisputed for balance of XXXX but didn't remove XXXX XXXX Disputed for balance of XXXX but didnt remove XXXX XXXXdisputed balance for XXXX but didnt remove
03/05/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Information belongs to someone else	TN 37167	Web	Servicemember
XXXX Dates letters sent XXXX XXXX, XX/XX/2023 XXXX Credit Amount : {$500.00} Sent letters stating this account is not mine, does not belong to me. No response
08/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	AZ 85053	Web
I have filed a dispute in regards of the incorrect items on my credit report, it has been well over 30 days and I have not received any investigation results.
10/17/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IN 46229	Web
FIRST PROGRESS account number XXXX i was told that this account was verified how was this account verified when it showed incorrect dates and payment amount
03/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	PA 19104	Web
I have filed a dispute in regards to the incorrect items on my credit report .It has been well over 30 days and I havent reviewed any investigation results.
04/01/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	NJ 08046	Web
I have filed a dispute in regards to the incorrect items all my credit report it has been well over 30 days and I havent received any investigation results
09/06/2023	Yes	Checking or savings account Checking account	Opening an account Unable to open an account	GA 30281	Web
I had accounts and they were closed due to someone hacked my acct.. I need my acct for my payroll deposit.. Please assist with clearing the acct with XXXX
07/18/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	TX 78801	Web	Servicemember
First progress credit card XXXX # XXXX. I paid off balance. Had an agreement with creditor that if I paid balance it would be removed from credit reports.
06/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 29210	Web	Servicemember
I mailed in a dispute regarding items in dispute regarding identity theft. It has not been processed. Please process the attached information for dispute.
09/30/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	WA 98116	Web
I made overpayments to me secured card hoping to increase my credit limit. They company claims to have refunded me but I have never received any repayment
03/20/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	TX 75241	Web
First progress keeps charging me late fees when i call them & make a payment. I haver so many $ XXXX {$43.00} Late Fees thats been assesed to my payment
04/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL XXXXX	Web
They reporting a late payment last year 2021 I never was late they say they was Gon fix it and remove it but never did it's still there plz remove asap
03/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	PA 19150	Web
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.
01/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TN 38116	Web
ON XX/XX/2022, Sent a letter to 1stprogress, XXXX, and XXXX, XXXX informing them the information they are report to my consumer report is inaccurate.
06/27/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	PA 19131	Web
I paid my {$180.00} on XX/XX/21, and now on XX/XX/21, after posting to my First Progress Secured CC account the available credit is still at {$0.00}.
05/06/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	OR 97526	Web
I make my payment and they charge me a {$10.00} fee for making the payment and then they do not apply the funds for 10 days after I make that payment
12/19/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	GA 30044	Web
Someone opened a car in my name with out my permission. I reported it to the company and the company refuse to remove the card from my credit report
02/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	PA XXXXX	Web
I REVIEWED MY CREDIT REPORT AND FOUND ERRORS. I SENT IN A WRITTEN DISPUTE CERTIFIED MAIL AND I HAVE YET TO SEE ANY RESPONSE FROM THE CREDIT AGENCY.
07/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	CA 91732	Web	Servicemember
I have filed a dispute in regards to the incorrect items in my credit report and it has been more than 30 days and I have not received any results.
03/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	TX 752XX	Web	Servicemember
First Progress is reporting false information and have failed to remove the item off my credit although I paid the balance as agreed for removal.
03/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX XXXXX	Web
XXXX XXXX and first progess continue to violate federal laws but reporting late payments in which is not considered part of credit transactions.
11/26/2016	Yes	Credit card	Late fee	WV 253XX	Web
Was charged a late fee when payment was completed on my end prior to the due date of XXXX. This happens every time my due date is on a weekend.
06/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC XXXXX	Web	Servicemember
this report is for the private administrative process on the behalf of XXXX XXXX the XXXX report XXXX south Carolina XXXX police report XXXX
09/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NJ 080XX	Web
Company reporting inaccurate information on credit report after promising to delete account from credit report after paying balance in full
01/17/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	FL 32507	Web
I called the company and they said I had to pay the debt upfront and then they would get back to me on the fraud charge and they have not.
06/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33150	Web
Remove that XXXX off my Consumer Report or all action necessary will be taking. As a federally protected, my rights have been violated.
09/26/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	GA 306XX	Web
First Progress has not be reporting my 2 cards with them to XXXX since XXXX of XXXX and it is negatively hurting my XXXX score severly.
06/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 27604	Web
I disputed addresses that I never lived at and they were updated instead of taking off. As well as inquiries that I had no knowledge of
03/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	AR 72761	Web
BECAUSE OF THE NATIONAL EMERGENCY COVID-19 I AM REQUESTING XXXX XXXX XXXX XXXX XXXX ETC..TO CANCEL BOTH CARDS FURNISH XXXX TO THE IIRS.
05/10/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Company closed your account	FL 33150	Web
Dear Synovus, you are facing civil penalties. As dated XX/XX/2023, In addition, please see attachments. XXXX XXXX All Rights Reserved.
10/28/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Company closed your account	GA 30213	Web
My card was close and i used my own to open the account they reported late as well the account is closed and they still reporting late
07/05/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	VA 23324	Web
The Company Is continuing to report the debt to my credit report after the debt was paid and they agreed to remove it from the report.
03/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60610	Web
The dates mentioned I were late in making my payments were incorrect, I requested the proof but they failed to provide the documents.
07/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 75062	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX show me late on credit report was not late it on XXXX XXXX XXXX the late need be remove thank you
01/20/2021	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	MD 20735	Web
A charge off was reported however balance was paid directly to creditor verbal agreement to remove negative trade line information.
11/15/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 334XX	Web
This account was paid in full in XX/XX/2018 and the company keep reporting negative information and outstanding balance been owed.
11/22/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Can't close your account	CA 93705	Web
XX/XX/2019 I have attempted to resolve account by paying off but unable to with the credit card company and its hurting my credit
08/21/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	SC 29456	Web	Servicemember
I had made a pay for delete payment with the credit card company and they have not held up their end of the agreement.
07/05/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	TX 752XX	Web
First Progress account is reporting derogatory on my credit the account is paid please remove from my credit profile.
12/09/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Delay in processing application	OH 452XX	Web
I tried to get a credit card but didn't know what my latest address was and didn't know what my last credit card was.
09/07/2023	Yes	Credit card General-purpose credit card or charge card	Fees or interest Problem with fees	CA 90057	Web
Unable to pay late fees do to financial discrepancies. Late fees effecting my credit score and financial situation.
04/10/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	OR 97220	Web
XXXX XXXX- XXXX - is reporting on my credit for a debt that I don't owe, plus it is past the statute of limitations.
05/18/2017	Yes	Credit card or prepaid card General-purpose credit card or charge card	Advertising and marketing, including promotional offers Confusing or misleading advertising about the credit card	CA 93725	Web
I was unaware that the security deposit was what I needed to activate card and would like my XXXX dollars refunded
12/10/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	LA 705XX	Web
I paid off my First Progress credit card in full but now they are refusing to send updates to the credit bureau.
09/19/2019	Yes	Checking or savings account Checking account	Managing an account Fee problem	PA 174XX	Web	Servicemember
My bank shows a balance of {$3000.00}. But my account is being charged over draft fees for the last 9-10 months.
12/05/2023	Yes	Credit card General-purpose credit card or charge card	Closing your account Can't close your account	TX 76502	Web	Servicemember
Applied for and was granted a credit card but changed my mind and never payed program Fee or used card
11/08/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	CA 90043	Web
XXXX said that they had information on me I also with through the XXXX was well with a police report.
10/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Fraud or scam	CA 95822	Web
They gave me a card from XXXX XXXX I signed up for it got approved but I had to pay XXXX and now XXXX
07/11/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	LA 705XX	Web
Hello, This account was not late in XX/XX/2022. It was paid on time. Please update in Credit bureaus.
02/21/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Company closed your account	MA 02126	Web
{$300.00} XX/XX/15 closed the account, I wanted to close the account but the company did not want to
07/18/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NC 27401	Web
XX/XX/2021 1st progress/XXXX account # XXXX {$180.00} disputed to remove with my balance due to me.
03/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Problem with product or service terms changing	MI 48091	Web
I was told the late payment would be removed this is hurting my application for purchasing a home
06/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28262	Web
Noticed untauthorized account on report. someone used my info to open account with this company
09/05/2023	Yes	Payday loan, title loan, personal loan, or advance loan Personal line of credit	Getting a line of credit	FL 33064	Web
Have started noticing an account named Synovus which is not mine, I'd like to get it removed.
06/18/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	MO 64030	Web
I keep trying to call this company to dispute a charge from XXXX and they wont answer for me.
01/13/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Information belongs to someone else	TX 75154	Web
Someone has been using my personal account to open accounts in my name without my knowledge.
04/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC 29407	Web	Servicemember
Spoke with company and supplied hand written letter to stop reporting on closed account
05/14/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	MI 48213	Web
Company is fraudulently adding new remarks of false information onto my credit report.
03/31/2015	Yes	Credit card	Billing disputes	FL 32810	Web
30 day late payment assessed. Payment sent XXXX XXXX, not processed until XXXX/XXXX/15
12/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75154	Web
Someone has been using my personal information to open accounts without my knowledge.
06/29/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	GA 30021	Web
Debt was paid off in 2019. Should be removed from credit file and dispute removed.
11/17/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Can't close your account	AK 999XX	Web	Servicemember
There is a credit balance on my account, I have not been able to get it refunded
07/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Confusing or missing disclosures	IL 60652	Web
I WAS CREDIT CARD BILLS AND OTHER BILLS IN MY NAME OVER THE YEARS BUT I STOP
07/28/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30126	Web
I don't know this account I try to dispute items want remove from my credit
08/09/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 91789	Web
Please forward the information to Synovus Bank and First Progress. Thanks!
08/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NY 11434	Web
XX/XX/2021 An unlawful inquiry was put on my report without my knowledge.
08/04/2022	Yes	Checking or savings account Checking account	Opening an account Unable to open an account	GA 310XX	Web	Older American
Synovus Bank has me blocked from my small checking and savings accounts.
12/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 344XX	Web
Someone used my information to apply for a credit without my permission
03/12/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Delay in processing application	NH 030XX	Web
Every time I fill out the application it sends me back to the beginning
08/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30066	Web
i payed them off and the account show as still open when i closed it.
02/01/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IL 60643	Web
Show late payment on my credit report was never late XXXX XXXX XXXX
10/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 30252	Web
First ProgressXXXX XXXX not investigating dispute in 30 day periods.
10/23/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	AR 72761	Web
XXXX IS A RIP OFF! CLOSE MY ACCOUNT AND FINISH DISPUTE UNDER FCBA.
05/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 604XX	Web	Servicemember
Ive tried multiple times to dispute these, they are not mine.
07/11/2015	Yes	Prepaid card General purpose card	Fees	TN 38109	Web
The limit was not that high and they charge me a lot of fees
11/11/2022	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	GA XXXXX	Web
I was charged XXXX dollars for something that I did not buy
12/13/2022	Yes	Checking or savings account Checking account	Opening an account Account opened as a result of fraud	FL 34683	Web
Account with synovous opened under my name. It was not me.
09/20/2022	Yes	Checking or savings account Checking account	Managing an account Fee problem	GA 31707	Web	Servicemember
Being charged multiple overdraft fees for one transaction.
11/29/2022	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	OH 43204	Web	Servicemember
First progress leasing account still on my credit report
07/08/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	PA 19131	Web
Please see my attached exhibits as they state my concern
05/01/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	FL 33068	Web
My card was reported stolen but I am be charged for it.
05/30/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 90059	Web
First progress credit card I never open this account
01/29/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Account information incorrect	FL XXXXX	Web
they reporig a a late payment pass 30 days not rite
08/15/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33409	Web
Came back Verified on XXXX but delete on XXXX XXXX
11/21/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30305	Web
Company was unauthorized when running my credit.
11/10/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 77375	Web
Unknown inquiries on my credit report
07/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	MA 02324	Web
I was never late on this account.
06/07/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	GA 30318	Web
Account opened fraudulently.
09/19/2023	Yes	Credit card General-purpose credit card or charge card	Incorrect information on your report Account information incorrect	VT 058XX	Web
THIS COMPANY IS A FRAUD
01/27/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 11209	Web

01/27/2024	Yes	Credit card General-purpose credit card or charge card	Improper use of your report Reporting company used your report improperly	OH 44011	Web

01/26/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	LA 70607	Web

01/26/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77551	Web

01/26/2024	Yes	Credit card General-purpose credit card or charge card	Closing your account Company closed your account	LA 70814	Web

01/25/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60610	Web

01/24/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75248	Web

01/23/2024	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	FL 33604	Web

01/22/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MI 48224	Web

01/22/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	RI 02907	Web

01/22/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 751XX	Web

01/21/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX XXXXX	Web

01/20/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30126	Web

01/20/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 43615	Web

01/20/2024	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	GA 30331	Referral

01/18/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	IL 60649	Web

01/18/2024	Yes	Credit card General-purpose credit card or charge card	Problem with a company's investigation into an existing problem Problem with personal statement of dispute	NJ 07201	Web

01/18/2024	Yes	Credit card General-purpose credit card or charge card	Incorrect information on your report Account status incorrect	TX 752XX	Web

01/17/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30094	Web

01/16/2024	Yes	Credit card General-purpose credit card or charge card	Getting a credit card Card opened without my consent or knowledge	CA 90044	Web

01/16/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30316	Web

01/15/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	LA 70808	Web

01/13/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75071	Web

01/12/2024	Yes	Credit card General-purpose credit card or charge card	Fees or interest Problem with fees	TX 76028	Web

01/12/2024	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	FL 32578	Web

01/11/2024	Yes	Credit card General-purpose credit card or charge card	Getting a credit card Application denied	FL 33167	Web

01/11/2024	Yes	Credit card General-purpose credit card or charge card	Getting a credit card Card opened without my consent or knowledge	GA 31050	Web

01/11/2024	Yes	Credit reporting or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	GA 30601	Web

01/11/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	TX 761XX	Web

01/10/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30281	Web

01/10/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MA 02050	Web

01/10/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91343	Web

01/10/2024	Yes	Mortgage Conventional home mortgage	Trouble during payment process Escrow, taxes, or insurance	CT 06840	Postal mail

01/10/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	PA 190XX	Web	Servicemember

01/10/2024	Yes	Credit card General-purpose credit card or charge card	Closing your account Can't close your account	MD 21158	Web

01/09/2024	Yes	Checking or savings account Checking account	Managing an account Funds not handled or disbursed as instructed	NC 28326	Web	Servicemember

01/09/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IL 60645	Web	Servicemember

01/08/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 27834	Web

01/08/2024	Yes	Credit card General-purpose credit card or charge card	Closing your account Can't close your account	CA 90212	Phone

01/05/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 17033	Web

01/04/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 76502	Web	Servicemember

01/04/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30012	Web

01/04/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MO 63135	Web

01/04/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Investigation took more than 30 days	TX 76522	Web	Servicemember

01/04/2024	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	GA 31031	Web

01/03/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	OH 45002	Web

01/02/2024	Yes	Credit card General-purpose credit card or charge card	Getting a credit card Card opened without my consent or knowledge	CA 92692	Web

01/02/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Investigation took more than 30 days	FL 33510	Web

01/01/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	ND 58801	Web

12/30/2023	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	PA 15066	Web

12/29/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Problem canceling credit monitoring or identify theft protection service	TX 751XX	Web

12/29/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	CA 90043	Web

12/28/2023	Yes	Payday loan, title loan, personal loan, or advance loan Personal line of credit	Struggling to pay your loan	GA 31635	Phone

12/28/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	NC 27577	Web

12/27/2023	Yes	Checking or savings account Checking account	Managing an account Problem making or receiving payments	FL XXXXX	Web

12/27/2023	Yes	Credit card General-purpose credit card or charge card	Incorrect information on your report Account information incorrect	GA 31308	Web	Servicemember

12/24/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30134	Web

12/22/2023	Yes	Credit card General-purpose credit card or charge card	Closing your account Company closed your account	GA 30316	Web

12/22/2023	Yes	Credit card General-purpose credit card or charge card	Closing your account Company closed your account	CA 94585	Web	Older American

12/21/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX XXXXX	Web

12/21/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33033	Web

12/21/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 23666	Web

12/21/2023	Yes	Credit card General-purpose credit card or charge card	Problem with a company's investigation into an existing problem Was not notified of investigation status or results	DC 20016	Web	Servicemember

12/20/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19013	Web

12/20/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33021	Web

12/19/2023	Yes	Credit card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	CA 95122	Web

12/19/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CO 80104	Web

12/18/2023	Yes	Credit card General-purpose credit card or charge card	Closing your account Can't close your account	DC XXXXX	Web

12/18/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NV 89135	Web

12/16/2023	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Money was taken from your account on the wrong day or for the wrong amount	GA 30655	Web

12/15/2023	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	GA 30205	Web

12/14/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30316	Web

12/14/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30324	Web	Servicemember

12/14/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Investigation took more than 30 days	FL 33614	Web

12/13/2023	Yes	Credit card General-purpose credit card or charge card	Fees or interest Problem with fees	PA 15085	Phone

12/13/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MS 39180	Web

12/12/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60804	Web

12/12/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30224	Web

12/11/2023	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	FL 33428	Web

12/11/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30354	Phone

12/10/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IL 60098	Web

12/10/2023	Yes	Credit card General-purpose credit card or charge card	Closing your account Can't close your account	WY 82009	Web	Servicemember

12/09/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30339	Web

12/08/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	AZ 85020	Web

12/08/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30168	Web

12/07/2023	Yes	Credit card General-purpose credit card or charge card	Problem when making payments Problem during payment process	MO 63114	Phone

12/07/2023	Yes	Credit card General-purpose credit card or charge card	Problem when making payments Problem during payment process	MN 55128	Web

12/05/2023	Yes	Credit card General-purpose credit card or charge card	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	DC 20016	Web	Servicemember

12/05/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	MA 02169	Web

12/04/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60098	Web

12/04/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	LA 70403	Web

12/01/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Investigation took more than 30 days	FL 33033	Web

12/01/2023	Yes	Credit card General-purpose credit card or charge card	Incorrect information on your report Account information incorrect	NV 89032	Phone

11/30/2023	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Fraud or scam	OH 449XX	Web	Older American, Servicemember

11/30/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30297	Web	Servicemember

11/27/2023	Yes	Credit card General-purpose credit card or charge card	Problem when making payments You never received your bill or did not know a payment was due	NY 10461	Phone

11/25/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32218	Web

11/24/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	PA 19140	Web

11/24/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MD 20716	Web

11/24/2023	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	FL 33834	Postal mail

11/24/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	GA 31905	Web	Servicemember

11/18/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	FL 34208	Web

11/17/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Investigation took more than 30 days	FL 33173	Web

11/16/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 23450	Web	Servicemember

11/13/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CA 95610	Web

11/11/2023	Yes	Credit card General-purpose credit card or charge card	Other features, terms, or problems Other problem	MN 55343	Web	Servicemember

11/10/2023	Yes	Checking or savings account Checking account	Problem caused by your funds being low Overdrafts and overdraft fees	SC 29569	Web	Older American

11/09/2023	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	IN 47250	Referral

11/08/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	SC 29501	Web

11/07/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	FL 33319	Web

11/07/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19140	Web

11/06/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	PA 19023	Web

11/05/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	NC 27545	Web

11/05/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 76120	Web

11/03/2023	Yes	Checking or savings account Other banking product or service	Closing an account Funds not received from closed account	GA 31909	Phone	Older American

11/03/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	IL 60652	Web

11/03/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 34219	Web

11/02/2023	Yes	Prepaid card General-purpose prepaid card	Advertising Confusing or misleading advertising about the card	MS 39702	Web

11/01/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33510	Web

10/31/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33033	Web

10/31/2023	Yes	Credit card General-purpose credit card or charge card	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	FL 32726	Web

10/26/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33625	Web

10/26/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	PA 15601	Web

10/25/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	LA 70127	Web

10/25/2023	Yes	Credit card General-purpose credit card or charge card	Other features, terms, or problems Other problem	IN 46112	Referral

10/25/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	PA 19132	Web

10/23/2023	Yes	Credit card General-purpose credit card or charge card	Improper use of your report Reporting company used your report improperly	LA 70127	Web

10/22/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	OH 44110	Web

10/20/2023	Yes	Checking or savings account Checking account	Closing an account Funds not received from closed account	MD 20866	Referral

10/18/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30082	Web	Servicemember

10/18/2023	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	LA 70127	Web

10/17/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33009	Web

10/16/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 34219	Web

10/16/2023	Yes	Credit card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	IN 47250	Web	Older American

10/15/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75601	Web

10/15/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	IN 46319	Web

10/14/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 95838	Web

10/13/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33065	Web

10/12/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30096	Web

10/10/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	WA 98444	Web

10/10/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 32853	Web

10/10/2023	Yes	Credit card General-purpose credit card or charge card	Incorrect information on your report Account information incorrect	NC 28054	Phone

10/06/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MD 21239	Web

10/05/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60804	Web

10/04/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	CO 80104	Web

10/04/2023	Yes	Credit card General-purpose credit card or charge card	Closing your account Can't close your account	FL 32536	Web

10/03/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 08610	Web

09/27/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77017	Web

09/26/2023	Yes	Credit card General-purpose credit card or charge card	Other features, terms, or problems Other problem	PA 19139	Web

09/22/2023	Yes	Credit card General-purpose credit card or charge card	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33033	Web

09/20/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Was not notified of investigation status or results	FL 33414	Web

09/19/2023	Yes	Credit card General-purpose credit card or charge card	Problem when making payments Problem during payment process	AR 72120	Web

09/19/2023	Yes	Credit card General-purpose credit card or charge card	Getting a credit card Card opened without my consent or knowledge	GA 30253	Referral

09/18/2023	Yes	Mortgage Home equity loan or line of credit (HELOC)	Incorrect information on your report Account information incorrect	FL 33131	Phone

09/16/2023	Yes	Credit card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	NC 27377	Web

09/16/2023	Yes	Checking or savings account Checking account	Opening an account Account opened without my consent or knowledge	GA 31404	Web

09/16/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	OK 74063	Web

09/11/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	AL 35040	Web

09/11/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33705	Web

09/07/2023	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	GA 31008	Web

09/07/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	IN 46803	Web	Servicemember

09/02/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60426	Web	Servicemember

09/02/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	IN 46516	Web

09/01/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33033	Web

08/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Getting a credit card Card opened as result of identity theft or fraud	CA 91401	Web

08/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 90305	Web

08/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	DC 20019	Web

08/23/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Company closed your account	PA 19020	Web

08/23/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	NY 11355	Web

08/21/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Account status incorrect	TX 78245	Web

08/18/2023	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was paid	GA 30004	Web

08/17/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Struggling to pay your bill Credit card company won't work with you while you're going through financial hardship	NC 28110	Web

08/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 10471	Web

08/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77407	Web

08/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	CA 92507	Web

08/09/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Company closed your account	FL 33606	Web

08/08/2023	Yes	Checking or savings account Other banking product or service	Opening an account Account opened as a result of fraud	TN 37042	Web

08/08/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	CA 93534	Web

08/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	NY 10034	Web

08/05/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	AL 36618	Web

08/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 91505	Web

08/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 78746	Web

08/03/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	SC 29078	Web

08/01/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	FL 33543	Web

07/31/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	NJ 08859	Web

07/31/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments You never received your bill or did not know a payment was due	FL 34238	Web

07/31/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	WA 98404	Web

07/31/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 08610	Web

07/30/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Problem getting a working replacement card	MN 55343	Web	Servicemember

07/29/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	KS 67207	Web

07/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC 29204	Web

07/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 34120	Phone

07/27/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32763	Web

07/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MI 48224	Web

07/25/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Account status incorrect	TX 78245	Web

07/24/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	AZ 85339	Web

07/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MO 63043	Web

07/21/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	GA 30236	Web

07/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	TX 75605	Web

07/20/2023	Yes	Mortgage Other type of mortgage	Trouble during payment process	FL 32314	Phone

07/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75013	Web

07/18/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	OH 45732	Phone

07/17/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	PA 15132	Web

07/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	GA 31047	Web

07/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NV 89119	Web

07/16/2023	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	MA 02149	Web	Servicemember

07/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 07106	Web

07/13/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	KY 40207	Web

07/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	PA 19119	Web	Older American, Servicemember

07/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30012	Web

07/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 78245	Web

07/07/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	AL 35219	Phone

07/05/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Delay in processing application	IL 60426	Web

07/03/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	IN 46112	Web

06/30/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	TX 78624	Web

06/29/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MS 38655	Web

06/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33487	Web

06/25/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	MN 55369	Web

06/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	VA 20147	Web

06/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MI 48044	Web

06/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 62526	Web

06/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19140	Web

06/19/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	VA 20148	Web

06/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77396	Web

06/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 61802	Web

06/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	IL 61801	Web

06/17/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	PA 19023	Web

06/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30260	Web

06/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 77346	Web

06/08/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77328	Web

06/08/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	NV 89120	Web

06/07/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Information belongs to someone else	IL 60153	Web

06/06/2023	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	FL 34655	Web	Older American

06/05/2023	Yes	Checking or savings account Checking account	Closing an account Can't close your account	FL 33305	Phone

06/02/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Company closed your account	FL 33150	Web

05/30/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Information belongs to someone else	NJ 08610	Web

05/29/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	PA 19139	Web

05/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL 33844	Web

05/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL 33844	Web

05/23/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	NC 28052	Web

05/21/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Problem with customer service	GA 31909	Web	Older American

05/17/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	MD 21901	Web

05/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33134	Web

05/16/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Improper use of your report Reporting company used your report improperly	MO 63033	Web

05/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AL 35750	Web

05/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IL 61107	Web

05/12/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	MD 21224	Referral

05/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NY 10474	Phone

05/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 44108	Phone

05/08/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH 45205	Web

05/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AZ 85345	Web

05/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30253	Web

05/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NJ 07734	Web

05/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19140	Web

05/01/2023	Yes	Credit card or prepaid card General-purpose prepaid card	Problem with a purchase or transfer Card company isn't resolving a dispute about a purchase or transfer	GA 30543	Phone

05/01/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 31021	Web

05/01/2023	Yes	Checking or savings account Checking account	Closing an account Funds not received from closed account	GA 30677	Web

04/28/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Advertising and marketing, including promotional offers Didn't receive advertised or promotional terms	SC 29154	Web

04/28/2023	Yes	Mortgage Home equity loan or line of credit (HELOC)	Closing on a mortgage	GA 30263	Referral

04/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 16127	Web

04/25/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Sent card you never applied for	PA 15120	Phone	Older American

04/25/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Account status incorrect	FL 33023	Web	Servicemember

04/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	MO 63119	Phone	Servicemember

04/25/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	SC 29687	Web

04/24/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	FL 32563	Referral

04/24/2023	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Money was taken from your account on the wrong day or for the wrong amount	AL 36877	Web

04/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	PA 15425	Web

04/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NJ 07734	Web

04/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19020	Web

04/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 32405	Web	Servicemember

04/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30253	Web

04/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92021	Web

04/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33150	Web

04/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NJ 07104	Web

04/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NJ 07106	Web

04/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	MD 21214	Web

04/11/2023	Yes	Checking or savings account Checking account	Opening an account Account opened as a result of fraud	FL 34761	Web

04/11/2023	Yes	Credit card or prepaid card General-purpose prepaid card	Unexpected or other fees	MI 48134	Referral

04/10/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TN 38119	Web

04/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30291	Web

04/09/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	AZ 85339	Web

04/07/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Account status incorrect	PA 15017	Web

04/06/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	SC 29687	Web

04/05/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 31021	Web

03/31/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 90260	Web

03/29/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Company closed your account	MO 64109	Web

03/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75460	Web

03/27/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	MD 21207	Web

03/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30291	Web

03/24/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Can't close your account	IL 60619	Web	Servicemember

03/23/2023	Yes	Checking or savings account Checking account	Opening an account Account opened as a result of fraud	FL 32792	Web

03/23/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Account status incorrect	SC 29687	Web

03/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 92557	Phone

03/23/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Account information incorrect	TX 77024	Web

03/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60302	Web	Servicemember

03/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TN 37185	Web

03/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 75068	Web

03/22/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	GA 30281	Web

03/22/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Trouble using your card Can't use card to make purchases	TN 37921	Web

03/21/2023	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Money was taken from your account on the wrong day or for the wrong amount	AL 35209	Phone

03/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33432	Web

03/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 78132	Web	Servicemember

03/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 37857	Web	Servicemember

03/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	WA 98445	Web

03/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 28150	Web

03/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75126	Web

03/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AL 35235	Web

03/14/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	OH 44870	Referral

03/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	AL 36693	Web

03/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 11590	Web

03/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NJ 08110	Web

03/11/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Advertising and marketing, including promotional offers Confusing or misleading advertising about the credit card	TX 78155	Web

03/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 23462	Web

03/10/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	NY 13206	Phone

03/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19013	Web

03/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19013	Web

03/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	CA 90706	Phone

03/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MS 38655	Web

03/04/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	MI 48237	Web

03/04/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	PA 18102	Web

03/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 91203	Web

03/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	IL 60440	Web

03/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	PA 15017	Web

03/01/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Unexpected increase in interest rate	CA 91977	Web	Older American

02/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 62526	Web

02/26/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Delay in processing application	NV 89015	Web

02/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92404	Web

02/25/2023	Yes	Checking or savings account Checking account	Problem caused by your funds being low Overdrafts and overdraft fees	AL 36870	Web

02/25/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	GA 30605	Web

02/23/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Account status incorrect	SC 29687	Web

02/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MO 63043	Web

02/22/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Can't close your account	MD 20743	Web

02/21/2023	Yes	Money transfer, virtual currency, or money service Mobile or digital wallet	Fraud or scam	MD 21794	Web

02/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19124	Web

02/11/2023	Yes	Checking or savings account Checking account	Opening an account Account opened as a result of fraud	FL 34638	Web

02/11/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30519	Web

02/10/2023	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	TX 75068	Web

02/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 78702	Web

02/10/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Information belongs to someone else	TX 77045	Web

02/10/2023	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	GA 30705	Referral

02/08/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Account status incorrect	OH 44108	Web

02/07/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Can't close your account	TX 75056	Web

02/06/2023	Yes	Credit card or prepaid card General-purpose prepaid card	Problem getting a card or closing an account Don't want a card provided by your employer or the government	NY 14220	Phone

02/06/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	MO 64109	Web

02/04/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	CA 92345	Web

02/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33147	Web

02/02/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	FL 33594	Referral

02/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33033	Web

02/01/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Delay in processing application	WA 98208	Web

01/31/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	FL 33020	Web

01/30/2023	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with cash advance	GA 30004	Phone	Servicemember

01/27/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Information belongs to someone else	TX 77045	Web

01/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19120	Web

01/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30260	Web	Servicemember

01/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33025	Web

01/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	DC 20018	Web

01/23/2023	Yes	Checking or savings account Checking account	Opening an account Account opened as a result of fraud	FL 33629	Web

01/22/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 75605	Web

01/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 76016	Web

01/20/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Company closed your account	RI 02909	Web

01/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77073	Web

01/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30132	Web

01/15/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments You never received your bill or did not know a payment was due	FL 32305	Web

01/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77045	Web

01/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL 35904	Web

01/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	TX 77598	Web

01/10/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	LA 70341	Web

01/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	CO 80017	Web

01/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92021	Web

01/08/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	TX 77098	Web

01/04/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Account status incorrect	PA 15601	Postal mail

01/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19120	Web

12/31/2022	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	TX 75232	Web

12/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	IL 61111	Web

12/29/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Account information incorrect	OK 73003	Web

12/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	IL 61111	Web

12/23/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	NV 89142	Web	Servicemember

12/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Problem canceling credit monitoring or identify theft protection service	TX 77581	Web

12/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30315	Web

12/20/2022	Yes	Checking or savings account Checking account	Closing an account Can't close your account	MI 49418	Referral

12/15/2022	Yes	Checking or savings account Checking account	Opening an account Account opened as a result of fraud	TN 38134	Web

12/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 21044	Web

12/14/2022	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 30337	Web

12/12/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	SC 29150	Web

12/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30097	Web	Servicemember

12/08/2022	Yes	Checking or savings account Checking account	Opening an account Confusing or missing disclosures	SC 29330	Web

12/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30315	Web

12/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32114	Web

12/06/2022	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	FL 33316	Web

12/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MD 21117	Web

12/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 91406	Web

12/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MS 38671	Web

12/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MA 02301	Web

12/02/2022	Yes	Checking or savings account Checking account	Opening an account Account opened as a result of fraud	AL 35071	Web

12/02/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH 44108	Web

12/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33705	Web

11/30/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	SC 29687	Web

11/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AR 72401	Web	Servicemember

11/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MD 20784	Web

11/22/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Account information incorrect	GA 31601	Web

11/21/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	MI 48910	Referral

11/17/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	NC 27406	Web

11/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30022	Web

11/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 20109	Web

11/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19605	Web

11/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 21044	Web

11/14/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	FL 33134	Web

11/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33607	Web

11/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	PA 19050	Web

11/12/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	SC 29406	Web

11/10/2022	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	FL 32953	Web	Servicemember

11/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	VA 20152	Web

11/08/2022	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	SC 29605	Web

11/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AR 72401	Web	Servicemember

11/04/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	GA 30630	Referral

11/03/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	FL 33594	Web

10/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	PA 15601	Postal mail

10/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33705	Web

10/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	LA 70791	Web

10/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 90044	Web

10/27/2022	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	FL 33714	Referral

10/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 95605	Web

10/24/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL 33137	Web

10/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30339	Web

10/24/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	GA 30228	Referral

10/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33411	Web

10/21/2022	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	GA 30117	Web

10/20/2022	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	GA 31907	Referral

10/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75052	Web

10/17/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Can't close your account	CA 93726	Phone

10/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MI 48021	Web	Servicemember

10/16/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30297	Web

10/15/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Problem with customer service	GA 31602	Web	Servicemember

10/14/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Delay in processing application	FL 33301	Web

10/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 91316	Web

10/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32765	Web

10/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30062	Web

10/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NV 89118	Web

10/07/2022	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	MA 02492	Web	Older American

10/05/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	GA 30253	Referral

10/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MI 48068	Web

10/01/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Account information incorrect	MD 20784	Web

09/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 91606	Web

09/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30052	Web

09/22/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Privacy issues	GA 30296	Web

09/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AR 72401	Web	Servicemember

09/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	PA 19018	Web

09/15/2022	Yes	Checking or savings account Checking account	Managing an account Fee problem	GA 31523	Phone

09/15/2022	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	AL 36360	Web

09/14/2022	Yes	Checking or savings account Checking account	Managing an account Cashing a check	FL 32129	Phone	Older American, Servicemember

09/13/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	CA 91030	Web

09/12/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Account information incorrect	TN 38112	Web

09/10/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	GA 30281	Web

09/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CO 80027	Web

09/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77327	Web

09/05/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 77373	Web

09/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 32801	Web

09/03/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	FL 33705	Web

09/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MI 48335	Web

09/02/2022	Yes	Checking or savings account Checking account	Opening an account Didn't receive terms that were advertised	FL 33463	Web

09/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MS 39157	Web

08/31/2022	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	TN 37205	Web

08/31/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	TX 75605	Web

08/28/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	FL 32809	Web

08/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Report provided to employer without your written authorization	OH 45406	Web

08/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	AZ 85345	Web

08/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OH 44110	Web

08/24/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	MO 63033	Web

08/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	WA 98445	Web

08/20/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Privacy issues	GA 30281	Web

08/19/2022	Yes	Mortgage Home equity loan or line of credit (HELOC)	Applying for a mortgage or refinancing an existing mortgage	GA 30338	Web

08/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	LA 70058	Web

08/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MI 48068	Web

08/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32164	Web

08/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30062	Web

08/03/2022	Yes	Mortgage Other type of mortgage	Incorrect information on your report Information belongs to someone else	GA 30045	Web

08/01/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	AL 35601	Web

07/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30228	Web

07/26/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	GA 30017	Web

07/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30132	Web

07/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30253	Web

07/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MI 48184	Phone

07/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL 34211	Web

07/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19120	Web

07/07/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Can't close your account	NV 89120	Referral

07/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 78258	Web

06/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19119	Web

06/27/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	PA 19136	Web

06/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 34947	Web

06/20/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Account status incorrect	TX 76692	Web

06/20/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	PA 19122	Web

06/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 95621	Web

06/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	PA 15147	Web

06/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 91335	Web

06/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NJ 08081	Web	Servicemember

06/04/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	FL 34786	Web

06/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	PA 19118	Web

05/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 91367	Web

05/24/2022	Yes	Mortgage FHA mortgage	Trouble during payment process	GA 30224	Web

05/24/2022	Yes	Checking or savings account Checking account	Opening an account Account opened as a result of fraud	TN 37184	Phone	Older American

05/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 92114	Web

05/23/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	NM 88101	Phone

05/18/2022	Yes	Checking or savings account Other banking product or service	Improper use of your report Reporting company used your report improperly	MS 39046	Referral

05/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19140	Web

05/11/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	GA 30307	Referral

05/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AL 36869	Web

05/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CT 06516	Web

05/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75104	Web

05/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19143	Web

05/02/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30096	Web

05/02/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	GA 30096	Web

05/01/2022	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	CA 90046	Web

04/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	AZ 85225	Web

04/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AZ 85379	Web

04/28/2022	Yes	Checking or savings account Checking account	Opening an account Account opened as a result of fraud	AL 36590	Web

04/27/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Account status incorrect	TX 78748	Web

04/27/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Advertising and marketing, including promotional offers Confusing or misleading advertising about the credit card	FL 33602	Referral

04/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NE 68803	Web

04/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30291	Web

04/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33707	Web

04/22/2022	Yes	Checking or savings account Checking account	Managing an account Funds not handled or disbursed as instructed	NV 89147	Referral

04/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 23237	Web

04/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 75019	Web

04/14/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Struggling to pay your bill Credit card company won't work with you while you're going through financial hardship	UT 84045	Referral

04/08/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	FL 32246	Web

04/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MI 48235	Web

04/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NC 28213	Web

04/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	RI 02889	Web

04/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30058	Web

03/31/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	GA 30241	Web

03/30/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Account information incorrect	DE 19806	Phone

03/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 23112	Web

03/26/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30339	Web

03/24/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Trouble using your card Can't use card to make purchases	PA 18372	Phone	Older American

03/22/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	CA 92346	Referral

03/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	PA 19119	Web

03/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL 34209	Web

03/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	WA 98512	Referral

03/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	DE 19804	Postal mail

03/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NJ 07524	Referral

03/11/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Company closed your account	KS 66106	Web	Older American, Servicemember

03/10/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Can't close your account	MI 48068	Web

03/07/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	AZ 85260	Web

03/07/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NJ 08096	Web

03/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 90018	Referral

03/05/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	SC 29485	Web

03/05/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	SC 29471	Web

03/04/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	CO 80906	Web

03/03/2022	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Money was not available when promised	GA 31909	Referral

03/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	TX 75034	Web

02/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AZ 85345	Web

02/23/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	MA 02301	Web

02/19/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Account status incorrect	FL 32701	Referral

02/18/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CA 91204	Web

02/18/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Information belongs to someone else	IL 60660	Referral

02/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	GA 31602	Web	Servicemember

02/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MA 02301	Web

02/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CO 81004	Phone	Servicemember

02/14/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Sent card you never applied for	OH 43351	Phone

02/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	AL 35903	Web

02/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 91737	Web

02/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 77494	Web

02/09/2022	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	TN 37865	Referral

02/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	IL 60043	Web

02/01/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	MO 64109	Web

01/31/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	MO 63111	Web

01/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	PA 19140	Web

01/26/2022	Yes	Mortgage Home equity loan or line of credit (HELOC)	Trouble during payment process	GA 31008	Referral

01/21/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	IL 60173	Web	Older American

01/20/2022	Yes	Checking or savings account Checking account	Managing an account Funds not handled or disbursed as instructed	SC 29203	Referral

01/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	VA 20147	Referral

01/17/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	PA 17701	Web

01/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	FL 32960	Web

01/13/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Account information incorrect	PA 19020	Web

01/13/2022	Yes	Money transfer, virtual currency, or money service International money transfer	Money was not available when promised	FL 33936	Referral

01/13/2022	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	AZ 85367	Referral

01/11/2022	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	TX 75236	Web

01/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Problem canceling credit monitoring or identify theft protection service	AZ 85015	Phone

01/08/2022	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	GA 30310	Web

01/06/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	SC 29532	Web

01/06/2022	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	AL 36877	Referral

01/04/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Account information incorrect	VA 24017	Web

01/03/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Account information incorrect	NJ 08805	Web

12/29/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Account information incorrect	NJ 08861	Web

12/22/2021	Yes	Checking or savings account Checking account	Problem caused by your funds being low Overdrafts and overdraft fees	GA 30518	Referral

12/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	VA 20166	Web

12/19/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	PA 19150	Web

12/16/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account information incorrect	FL 34638	Referral

12/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	LA 70068	Web

12/14/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	CA 90049	Web

12/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	CO 80904	Web

12/11/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	TX 77494	Web	Servicemember

12/11/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MS 39047	Web

12/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MA 02301	Web

12/10/2021	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	GA 30168	Phone	Older American

12/09/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 34714	Web

12/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	NJ 07002	Web

12/08/2021	Yes	Mortgage Conventional home mortgage	Closing on a mortgage	FL 33301	Web

12/06/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NC 28273	Web

12/03/2021	Yes	Checking or savings account Checking account	Problem caused by your funds being low Non-sufficient funds and associated fees	SC 29569	Referral

12/02/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	OH 43219	Web

11/30/2021	Yes	Credit card or prepaid card General-purpose prepaid card	Unexpected or other fees	AZ 850XX	Web	Older American

11/17/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	TN 37923	Referral

11/16/2021	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Fraud or scam	FL 33157	Phone	Older American

11/16/2021	Yes	Mortgage Other type of mortgage	Closing on a mortgage	GA 30045	Web

11/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AZ 85338	Web

11/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 92570	Web

11/10/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	AR 72364	Web

11/10/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments You never received your bill or did not know a payment was due	FL 32790	Referral

11/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 61032	Web

11/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	MI 48224	Web

11/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MN 55113	Web

11/01/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77583	Web

11/01/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	IL 62208	Web

10/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30291	Web

10/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 79765	Web

10/19/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	MO 63044	Web

10/19/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Account information incorrect	SC 29341	Web

10/18/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Account information incorrect	PA 19020	Web

10/18/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Account information incorrect	PA 19132	Web

10/17/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MO 63141	Web

10/15/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	OH 45503	Web

10/14/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Account information incorrect	NJ 07524	Web

10/11/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Account status incorrect	FL 32802	Web

10/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	VA 20152	Web

10/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	IL 60649	Web

10/07/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	MI 48066	Web

10/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NC 27265	Web

10/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30281	Web

10/04/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MI 48068	Web

10/04/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	CA 90802	Web

09/29/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	OH 45205	Web

09/28/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	GA 31088	Referral

09/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	MD 20744	Web

09/27/2021	Yes	Credit card or prepaid card General-purpose prepaid card	Trouble using the card Problem adding money	NC 27604	Phone	Servicemember

09/26/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	AZ 85392	Web

09/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33169	Web

09/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	OH 44103	Web

09/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	OH 44144	Web

09/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	VA 23661	Web

09/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 39870	Web

09/17/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Account information incorrect	FL 34741	Phone

09/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30062	Web

09/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77583	Phone

09/16/2021	Yes	Credit card or prepaid card General-purpose prepaid card	Unexpected or other fees	FL 34741	Phone

09/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	MD 21204	Web

09/14/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NJ 07305	Web

09/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 75088	Web

09/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77002	Web

09/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	MD 21211	Web

09/09/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Company closed your account	AR 72204	Referral

09/09/2021	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals		Referral

09/07/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Company closed your account	FL 33316	Phone

09/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	NJ 07052	Web

09/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 94582	Web

09/01/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 27954	Web

09/01/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	TN 38118	Web

08/28/2021	Yes	Checking or savings account Other banking product or service	Problem with a lender or other company charging your account Transaction was not authorized	GA 30721	Web	Servicemember

08/26/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	FL 34221	Web

08/26/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	FL 34221	Web

08/26/2021	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	GA 30302	Referral

08/25/2021	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	AL 35405	Referral

08/24/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Trouble using your card Can't use card to make purchases	GA 31906	Phone	Older American

08/24/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	PA 18344	Phone	Older American

08/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 44260	Web

08/23/2021	Yes	Checking or savings account Other banking product or service	Incorrect information on your report Account status incorrect	CA 90043	Referral

08/20/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	TX 76227	Web

08/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 23462	Web

08/18/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Can't close your account	PA 18103	Web

08/16/2021	Yes	Checking or savings account Checking account	Managing an account Funds not handled or disbursed as instructed	GA 30501	Web

08/13/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Problem with customer service	MI 48068	Web

08/11/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 44305	Web

08/04/2021	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	GA 302XX	Web	Older American, Servicemember

07/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 44087	Web

07/27/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	NC 28027	Web

07/21/2021	Yes	Checking or savings account Other banking product or service	Opening an account Unable to open an account	GA 30601	Web

07/20/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 34743	Web

07/19/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IL 60555	Web

07/15/2021	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	NY 11355	Referral

07/15/2021	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	TX 76112	Referral

07/13/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	SC 29420	Web

07/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 30281	Web

07/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 39870	Web

07/09/2021	Yes	Checking or savings account Checking account	Opening an account Account opened as a result of fraud	AL 36867	Phone

07/09/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Problem with customer service	NC 27636	Referral

07/08/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	AZ 85042	Web

07/08/2021	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	FL 34655	Phone	Older American

07/08/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	GA 30291	Web

07/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30518	Web

07/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MI 48219	Web

07/06/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Company closed your account	OH 45211	Web

07/03/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	GA 30180	Web

07/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 30087	Web

07/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 30087	Web

07/01/2021	Yes	Checking or savings account Checking account	Managing an account Banking errors	PA 19057	Referral

06/30/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	MD 21206	Web

06/25/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	TN 38118	Web

06/24/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33570	Referral

06/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30066	Web

06/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91325	Web

06/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 44485	Web

06/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28391	Web

06/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 75114	Web

06/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 75114	Web

06/17/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	GA 30122	Phone

06/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 23324	Web

06/11/2021	Yes	Credit card or prepaid card General-purpose prepaid card	Trouble using the card Trouble getting information about the card	CO 80524	Phone

06/11/2021	Yes	Checking or savings account Other banking product or service	Managing an account Problem accessing account	GA 30655	Referral

06/09/2021	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Fraud or scam	NY 11355	Web

06/09/2021	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	TX 77573	Referral

06/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	PR 00769	Phone

06/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	MO 65613	Web

06/02/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	CA 92262	Web

05/27/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	SC 29510	Web

05/27/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	SC 29461	Web

05/26/2021	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with additional add-on products or services	WI 54025	Referral

05/25/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	SC 29405	Web

05/25/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	SC 29485	Web

05/25/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	SC 29429	Web

05/24/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	SC 29936	Web

05/24/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	SC 29048	Web

05/24/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MD 20695	Web

05/22/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	NC 28212	Web

05/22/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	SC 29471	Web

05/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	RI 02860	Web

05/21/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	TN 37013	Phone

05/21/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	SC 29445	Web

05/21/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	SC 29406	Web

05/21/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	SC 29449	Web

05/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33880	Web

05/20/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	SC 29710	Web

05/18/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	GA 30281	Web

05/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	CA 94560	Web

05/10/2021	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	AL 35213	Web

05/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 94124	Web

05/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 22193	Web

05/05/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Account status incorrect	NC 28134	Web

05/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	NJ 08753	Web

05/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28054	Web

05/04/2021	Yes	Checking or savings account Checking account	Managing an account Cashing a check	GA 31602	Web

05/03/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	PA 19320	Phone

04/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 44125	Web

04/25/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	MA 02301	Web

04/24/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	TX 77077	Web

04/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 32003	Web	Servicemember

04/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	FL 34952	Web

04/16/2021	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	WA 98558	Referral

04/15/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	MO 64155	Web

04/15/2021	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	GA 31008	Phone

04/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30316	Web

04/13/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	NY 11412	Web

04/13/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Account status incorrect	IL 62208	Web	Servicemember

04/13/2021	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	FL 33904	Referral

04/12/2021	Yes	Mortgage Other type of mortgage	Closing on a mortgage	GA 30342	Referral

04/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 44125	Web

04/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28054	Web

04/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30134	Web

03/26/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	PA 19136	Referral

03/19/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	CA 94582	Web

03/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 31011	Web

03/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	PA 15137	Web

03/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	LA 70737	Web

03/15/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	VA 23324	Fax