Consumer complaint received 2024-02-20
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Synovus Bank (ID)

Card was opened XX/XX/XXXX, and closed via mail with a payment made shortly thereafter, along with a request to update my mailing address. I moved to a new address, but the company never updated my address, never processed the payment, and never closed the card. They continued to process late payments until it was charged off. 
In the following 6 years I attempted to contact them and to correct it so they could be paid, and the rejected or did not acknowledge attempts to complete payment after that. 

I have provided PROOF that First Progress is FULLY AWARE of their obligation to update my credit report using the required goodwill adjustment THEY AGREED TO already. They have not made that adjustment, even though payment HAS been made. 
This proof was recorded through the XXXX  portal, in which the agreed to remove all negative payment history in exchange for a payment of {$180.00}. 

Payment was NEVER Late, NEVER Charged Off The reason they agreed to the goodwill adjustment is because First Progress did not process a card closure request or an address update when I moved, so I did not receive statements showing that they had not closed the card. They also REJECTED multiple payment attempts or " lost '' mailed payments that would have paid off the card in full, going back to XX/XX/XXXX. They also failed to respond to any mail or faxes sent. If they had fulfilled any of their obligations to contact me, update my address to send me statements, respond to mail or faxes, or process any one of my payments I attempted, the account would never have shown as late OR been charged off, according to their records. I had been locked out of online access, and as of XX/XX/XXXX, their phone system would not let me talk to a human because the automated system " could not verify '' my account. 

-- 1st Progress discussions via XXXX XXXXXXXX -- XX/XX/XXXX - I specifically stated I require that they remove ALL negative payment history on all 3 credit reports, as these PAID charges are fraudulently generated and dishonest. 
XX/XX/XXXX - I stated My requirements are simple. Update my credit report to accurately reflect an account that was closed PRIOR to XX/XX/XXXX, with a balance due of {$0.00}, closed at the customer 's request. NOT charged off, NOT late, NO balance due. 
XX/XX/XXXX - I stated This payment [ of {$180.00} ] will be made if and only if I receive an offer for a goodwill adjustment in exchange for a payment. I will not arrange payment AGAIN in the hopes that this account XXXX qualify for a goodwill adjustment. My requirement is that you remove all negative payment history in exchange for the payment of {$180.00}. Also, I do still require copies of my statements that were not attached. 

First Progress RESPONSE XX/XX/XXXX - XXXX progress replied Please contact First Progress at XXXX or XXXX at XXXX to arrange to pay in full the balance. Once the payment post to the account, First Progress will process a goodwill adjustment request.

I had previously stated that my demands were to remove all mention of late payments or negative payment history or charge offs, and they AGREED that they would process that request, but they have not done so. 
XX/XX/XXXX - I provided proof of payment, but received no response from the business. 

NOTE : XX/XX/XXXX XXXX finally made SOME changes to past history, but added new late payments / charge offs as of XXXX and XX/XX/XXXX, which is not accurate and its not what they agreed to do. As of right now, they are not in compliance with our agreement. 

NOTE : XX/XX/XXXX They made additional changes to my XXXX credit report, ADDING late payments in XXXX ( XXXX through XXXX ) that were previously removed. If they had received payment in XX/XX/XXXX as they SHOULD have, the account WOULD NOT have been charged off at all. This is dishonest and has to be corrected. As of right now, they are not in compliance with our agreement.