Review Time
Stay Away! I had 2 credit cards through this company. Both cards were at 0 balance and I wasn't monitoring them. The $29 annual fee was added to my the balance without me knowing. They made no attempt to contact me, and now I have TWO late payments on my credit, which they were supposed to be helping Build up. Terrible service, and they refuse to remove the late payments. Plus they just sent me a letter saying they are cancelling the accoutn because I disputed it with my credit bureau. AVOID at all costs.
Stay Away! I had 2 credit cards through this company. Both cards were at 0 balance and I wasn't monitoring them. The $29 annual fee was added to my the balance without me knowing. They made no attempt to contact me, and now I have TWO late payments on my credit, which they were supposed to be helping Build up. Terrible service, and they refuse to remove the late payments. Plus they just sent me a letter saying they are cancelling the accoutn because I disputed it with my credit bureau. AVOID at all costs.
If giving NEGATIVE stars was possible these SCAMMERS wouldn’t even be around..About a week ago on Jan/16th or 17th I thought I was making a good choice in trying to build my credit and was offered to sign up with First Progress. BIGGEST mistake of my life, the process itself was rather easy but VERY uniformed and here it is 1/26 OVER a week later and I haven’t gotten so much as a notice of opening with my account number let alone the actual card that I made the $350 DEPOSIT for what I was understanding to be a secured credit card. Today, FIRST this morning I called First progress and spoke with a supervisor names Maddie (Operator ID: Q62) who really seemed unsure about company policies herself and ended up telling me my funds are on a 30 day hold WITHOUT notice and that if I wished to close the account and request my DEPOSIT back that I’d have to write a letter and allow 2 weeks for processing to see if my refund on said deposit would be approved. She also REFUSED to allow me to get Navy Fed on a joint phone call so they could also be aware of the phone call and what was interpreted so I hung up. All the while I NEVER received the 1st notice of the account actually opening NOR the actual card. IMMEDIATELY following that, I called Navy Fed to file a dispute to which they said it’s pending investigation and not much they could do. So, I tried calling First Progress a 2nd time and spoke with a supervisor (John-Operator ID:S81) to which he was going back and forth on policies as well, refuses to give me ANY kind of reference ID for the call and also said there wasn’t a way to send an email verifying the account was being closed, which is my opinion is preposterous as it was via EMAIL i received notice of approval of such secured credit card but in either case now a MILITARY family is out $350 while spouse is deployed all while having an email that also state the $350 was a DEPOSIT and IS refundable…PLEASE make this RIGHT!!!
My wallet was stolen they have two police reports and nothing Ive had the card since 2021 never been late or anything and when my card was maxed out they reported the negative to my credit and destroyed it within 7 days im disappointed in them .
I have so much to say that I don’t know where to start. Let me just say that this company has done me the exact same way as the other reviews state.. I have been with this company for five years and not have one issue so imagine my surprise when I start a receiving past due notices on an account that I knew I overpaid on. Chores at all as some fault with their system or app being buggy because my mailed statement said do not pay you have a credit balance. My credit balance is $270 for fun. I submitted the credit dispute with Credit Karma to get their attention to look at my account and fix the bug, but the dispute was denied when I called them to explain to them what they had done wrong. This lady acted like it was her first day sympathize with that when it still wasn’t fixed two weeks later and I called back I knew I could straighten it out, but after an hour on the phone, I was told that management was not budging at this point I’m furious because I have proof in my hands and from my bank account that I have given them $270 extra because of trust I have built up in the past five years with this company, I sent my certified letter and just knew it had to be straightened out because I sent them the paperwork with proof and I receive my letter two days ago with three lines on it stating they are correct in charging my account and overdue balance and reporting negatively to the credit bureau. Please call customer service. If you have any issues has anyone else called an attorney? I will be seeking one. even more my credit report says my last payment was paid in April, but my last payment was september when i already paid close to 300$
Customer service is very rude, waiting on a new card for 3 months now, to turn around for them to say it got lost in now I have to wait another month to receive a new card once again in it still might not come. Just inconvenient, no good at all. Imma lay this card off in close the account just no good it sucks, the card and customer service. They never know anything either how do they even get these jobs. Just so disappointed
They are literally stealing our money. Didn’t send us a card for two years after the first one expired but continued to charge fees, when we called about it they ran us in circles, didn’t give us a way to make payments before a late fee was accrued and repeated this process multiple times.
This company literally f/d up my excellent credit history of 10 yrs. I had 2 credit cards through this company. Both cards were at 0 balance.Therefore I wasn't carrying them. The yearly fee came out of the balance they decided to call me after 90 days of those payments being overdue. They only took 1 late payment off leaving me with 4 60day past due payments on my credit report they can kiss my black ass
They don’t do anything for themselves! Any issue you have they will say “idk I have to send this to another department it’ll take 3-5 business days” and after that time if there’s no answer they will say they must send another email and allow another 3-5 business days. Will tell you to send over documents to release payment early but the process for “early removal” takes 2-3 weeks and your payment has already been released by then ! Everybody will give you diff answers ! I will not be making a year with this card and credit repair need to stop referring this product to people ! Even if you get a manager call back they will also tell you answers like “that’s right I don’t know and you have to wait the time frame” this is beyond bad service for bad credit !!
I am writing this formal complaint against First Progress Credit Card Company for gross negligence, lack of urgency, and failure to rectify a serious issue that has caused direct and damaging consequences to my credit profile.On July 1, 2025, I submitted my annual fee payment of $31 with a total of $39 through my bank. My bank confirmed the payment was sent that same day and that First Progress cashed it on July 3, 2025. Despite this, First Progress did not process the payment until July 8, 2025, and then falsely marked my account as late. This resulted in the assessment of an unwarranted late fee and, more importantly, the negative reporting of a late payment to the credit bureaus.I immediately contacted First Progress when I became aware of this error, nearly two months ago. I was proactive in trying to prevent the reporting of inaccurate information that I knew would harm my credit standing. I repeatedly spoke with multiple representatives and supervisors, all of whom assured me that the matter would be resolved in “3–5 business days.” I have now been waiting since July, and it is currently September—with no resolution.On August 2, 2025, at their request, I submitted proof from my bank clearly showing that my payment was made on time, sent July 1st, and cashed July 3rd. Despite providing the exact documentation they asked for, First Progress has continued to disregard my dispute. Instead of correcting the error, they allowed inaccurate information to be reported to the credit bureaus. As of today, my Experian credit score has dropped by 40 points due to their negligence.This is unacceptable. I acted in good faith, paid on time, and went above and beyond to provide proof of my compliance. First Progress has shown no accountability and no urgency in correcting their mistake, despite being fully aware of the harm they are causing me.
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First Progress for building or Re-Building Credit
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