Consumer complaint received 2026-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: PINNACLE FINANCIAL PARTNERS, INC.
State: LA

Complaint narrative:
I am filing this complaint against First Progress / Synovus Bank regarding a secured credit card account reported on my consumer credit reports. I previously sent First Progress a written request concerning this secured card account. My letter asked for : 1. documentation showing what happened to my {$200.00} secured deposit ; 2. documentation supporting the reported late payments ; 3. account closure documentation ; and 4. correction or deletion of inaccurate derogatory reporting. First Progress responded that the account was valid because the identification information, address, and card mailing address allegedly matched me. However, that response did not answer the main issues I raised. They did not provide a deposit ledger, proof of refund, proof of offset, final account accounting, billing statements supporting the 30/60/90 late-payment history, or the full method of verification. This was a secured credit card account with a {$200.00} deposit. I am disputing the completeness and accuracy of the reporting because First Progress has not explained what happened to the secured deposit after account closure. They have not shown whether the deposit was refunded, applied to the balance, retained, or offset. If the account was paid and closed with a {$0.00} balance, the deposit accounting should be fully documented. I am also disputing the late-payment reporting. First Progress has not provided source documents proving the exact due dates, amount due, payment dates, billing cycles, delinquency dates, or the exact information furnished to XXXX, XXXX, and XXXX. The account appears as paid/closed with a {$0.00} balance, yet derogatory late-payment history remains. I also attempted to send additional dispute correspondence to an address associated with First Progress, but the mail was returned as undeliverable/insufficient address. This created additional difficulty in submitting supporting documentation and raises concern about whether First Progress is maintaining an accurate direct-dispute address. I am requesting that First Progress provide : 1. The original secured card agreement. 2. Proof of the {$200.00} security deposit. 3. The date the deposit was received. 4. The date and method by which the deposit was refunded, applied, retained, or offset. 5. A full account ledger from opening through closure. 6. The final account closing statement. 7. Billing statements supporting each reported 30/60/90 late payment. 8. The exact due date, amount due, and payment date for each alleged late payment. 9. The exact Date of First Delinquency furnished to each credit bureau. 10. The exact payment history and account status furnished to XXXX, XXXX, and XXXX. 11. The method of verification used to verify the reporting. 12. The correct direct-dispute mailing address for First Progress credit reporting disputes.

Company response to consumer: Closed with non-monetary relief