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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