Consumer complaint received 2020-07-04
Company: Synovus Bank
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
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 XXXX had a secured credit card with first progress in which she paid her money into the card as it was withdrawn from her checking account to the secured card.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.

Company response to consumer: Closed with explanation