Consumer complaint received 2025-12-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Synovus Bank
State: PA

Complaint narrative:
I am filing this complaint regarding wrongful account closure, inaccurate and inconsistent credit reporting, lack of substantiating evidence, and resulting consumer harm by First Progress Card ( Lead Bank ).

I am currently in the process of purchasing a home, and First Progresss actions have made this process significantly more difficult due to credit score damage and unreliable credit reporting.

First Progress closed my credit card account and reported the account as closed at consumer request. This statement is false. I did not request that my account be closed. To date, First Progress has failed to provide any evidencesuch as a recorded phone call, written request, or signed authorizationshowing that I requested or approved the account closure. 

This wrongful closure caused a significant and immediate drop in my credit score, directly impacting my ability to qualify for mortgage lending. This closure is the originating event that led to all subsequent issues.

A few days later, First Progress reopened the account, yet I received no notice of this action by mail, email, or any other method. I have not been provided proof that any notice was sent. Because I reasonably believed the account was closed due to First Progresss initial error, this lack of notice allowed charges to continue on an account I believed was closed. 

I also did not receive billing statements, payment notices, or requests for payment prior to filing my XXXX  complaint. I further note that I never called to make a payment or acknowledge the debt. I called solely to request a debt validation letter, and I have never agreed that the alleged debt was mine. My call was mischaracterized and improperly relied upon in connection with adverse account actions. 

After disputes were filed, First Progress began quietly changing inaccurate reporting data, which confirms that the information they initially furnished was not accurate. However, correcting data after disputes does not undo the credit damage already caused by their wrongful closure, lack of notice, continued charging, and failure to provide statements. 

Additionally, First Progresss reporting is not consistent across all credit bureaus. Certain bureaus do not reflect the same negative status or delinquency information. This inconsistency further demonstrates inaccurate and unfair credit reporting, not reliable furnishing.

If First Progress can not provide documented proof that I requested the account closure, then the closure itselfand all subsequent adverse reporting and account actions that flowed from itare void and the result of First Progresss negligence. This situation would not exist but for their wrongful initial action. 

Why this is a problem Under the Fair Credit Reporting Act ( FCRA ), furnishers are required to ensure that information furnished is accurate, verifiable, timely communicated, and consistently reported. 

Closing an account without consumer authorization, reopening it without notice, failing to send billing statements, mischaracterizing consumer communications, and furnishing inconsistent data across credit bureaus constitutes non-compliant and unfair credit reporting practices. 

Quietly correcting inaccuracies after disputes does not satisfy the obligation to explain or substantiate the actions that caused consumer harm, particularly when that harm interferes with a major financial transaction such as a home purchase. 

What I am requesting I am requesting that First Progress be required to : XXXX. Provide documented evidence that I requested the account closure, including call recordings, written requests, or signed authorization. 
XXXX. If no such evidence exists, void the account closure and remove any negative reporting that resulted from it. 
XXXX. Provide documented proof that I was notified of the account reopening, or confirm that no such notice was provided. 
XXXX. Provide a written explanation for : why the account was initially closed, why it was reported as closed at consumer request, why it was reopened without notice, and why reporting differs across credit bureaus. 
XXXX. Correct or remove all inaccurate, inconsistent, or unsubstantiated credit reporting across all credit reporting agencies. 
XXXX. Confirm full compliance with FCRA accuracy, verification, and consumer notice requirements. 


The documents I have provided demonstrate that First Progress has reported inconsistent and inaccurate information across multiple credit reporting agencies. The same account is not reported uniformly, and certain credit bureaus do not reflect the same account status, delinquency information, or historical data. 

Credit reporting agencies are required to receive information that is accurate, complete, and consistent. The discrepancies shown in my supporting documentation confirm that First Progresss reporting does not meet these standards.

This inconsistent reporting further supports that the adverse information furnished by First Progress is unreliable and improperly maintained. If the information were accurate and verifiable, it would be reported consistently across all credit bureaus.

I am requesting that First Progress be required to explain these discrepancies and correct all inaccurate reporting. Any information that can not be fully substantiated must be removed.

Company response to consumer: Closed with explanation