Consumer complaint received 2019-09-24
Company: Synovus Bank
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
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.

Company response to consumer: Closed with explanation