Credit First National Association

August 26, 2015Revdex.com, Inc.[redacted] – Dispute Resolution Specialist2800 Euclid Avenue, 4th FloorCleveland, OH 44115-2408Re:  [redacted] Account in the name of [redacted]ID:   [redacted]     Dear [redacted]:This letter is in response to your letter...

dated August 25, 2015 in regard to [redacted]’s [redacted] credit card.We have enclosed a copy of [redacted]’s Account Information Report showing the most recent charges and credits.  The meanings of the symbols are as follows:                           CC =           is monthly interest charge, also may                               include late fee, Debt Protection or                                        P/A =           is monthly payment amount                                       P/D =           is past due amount                                       Balance =      is balance of that month’s statement                                       (-) =           indicates payment or creditOur records show that statements are processed on the 27th of every month with payment required by the 22nd of the following month.  Minimum monthly payments are required on this account.[redacted] states that her payment was on time for July 22, 2015.  Our records indicate that her May 27, 2015 statement advised that $20 was due by June 22, 2015.  The payment was not received until June 23, 2015 and a late payment fee was assessed.  The           June 27, 2015 statement advised that $41 was due by July 22, 2015.  [redacted] contacted our Customer Service Department by telephone on July 10, 2015.  At that time she was advised by our representative that per our credit card agreement payment must be processed to an account by 5:00 p.m., ET on or before the due date.  Although [redacted] made a payment using our automated telephone system, her payment was made after the 5:00 p.m., ET cut off time.  At that time, our representative processed a credit for the late payment fee of $20.Customer Service Department, BK 11  |  Phone: 800.[redacted]  |  Fax: 216.[redacted]  |  www.CFNA.comWith the $20 credit processed to the account, [redacted] now had $21 due by July 22, 2015.  Again, she used the automated telephone payment system after the 5:00 p.m., ET cut off time and the payment was not processed until July 23, 2015.  A new late payment fee of $25 was assessed.We can also advise that this has again happened for her August 22, 2015 payment.  It was paid after the cut off time and a new late payment fee has been assessed.We believe that we have assisted [redacted] in July 2015 by removing the late payment fee and at that time we advised her of the terms for her payments.   We also show that we had previously removed late payment fees on her account in November 2014 and      March 2015.   When we removed the fee in March 2015, we had advised [redacted] that it would be the last removal of a fee for her.  As we just removed another fee for her, we believe the following fees that were assessed were billed correctly to the account and we look to her for payment.If we may offer a suggestion to [redacted] regarding her payment due date of the 22nd of each month, we would suggest to make her payments on the 21st of the month. That way even if she calls after 5:00 p.m., ET, it would still process on her due date of the 22nd.  Or if she prefers, we could also change her due date with our Company.  She would just need to contact us by telephone to advise what date would be convenient for her to make an on time payment.  Available due dates we offer are as follows: 1st, 3rd 5th, 8th, 10th, 15th, 18th, 20th, and 22nd. Customers have the ability to make online payments at CFNA.com.  We can also send her an Authorization Agreement form for her to complete so that payments are automatically withdrawn from her checking account for up to 6 months at a time.We apologize that she felt our supervisors were rude and coldlike to her and we apologize if she did not receive the absolute highest level of Customer Service from our staff, and we want you to know that Credit First is dedicated to excellence in Customer Service.  We appreciate her feedback and her concerns have been forwarded to management for review.We hope that the above information meets with your satisfaction.Sincerely,Mary [redacted] K[redacted]Mary [redacted] K[redacted] | Customer Service SpecialistCredit First National Association6275 Eastland Road, Brook Park, Ohio 44142P: 800.[redacted]  F: 216.[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.Consumer advised that although the charges have been removed, she would like confirmation that the matter is resolved completely. She states she has not received a letter from the company yet and does not wish for the charges to become permanent at a later date.
Regards,
[redacted]

I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
Regards,
[redacted]
 The...

company retaliated because I  filed a Revdex.com report against them to settle  all parties  should resume all accounts as normal that will be enough for settlement for me. All the accounts have always been paid  on time no late payments all the accounts have always been paid up to date there was no reason for this company to retaliate and close accounts and  as for the credit reporting agency go. The credit reporting act requires every company only to report open accounts not closed accounts. The business is with  [redacted]  not credit card company. This company is very demanding very unfair.

September 29, 2016     [redacted], Dispute Resolution Specialist Revdex.com, Inc. 2800 Euclid Ave., 4th Floor Cleveland, OH 44115-2408     Reference:  CFNA/Firestone complete Auto Care Account #[redacted]                       Revdex.com Complaint #[redacted]   Dear [redacted]:   Thank you for forwarding the response from [redacted] regarding the above referenced account.   After contacting [redacted], we were able to determine where the disconnect in the credit reporting occurred. CFNA provided [redacted] with the information necessary to complete our request and ensure the trade line re-appears on Fredrick [redacted] credit report as the joint contractually liable party on the above listed account.   Mr. [redacted] should see the successful update in 3 -4 business days. He may contact our office directly at 1-877-888-0844 should he have any additional questions or concerns.   Sincerely,     Denise D’[redacted] | Credit Operations Credit First National Association 1-800-321-1150

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
 The credit card company accurately outlined the details.  What I am disputing is that a fraudulent charge must be disputed within 2 billing cycles (approximately 60 days).The point is that I notified them of the fraudulent charge at the point at which I realized it was a fraudulent charge.  While it is true my accountant made payments, he did so only because when bills come in they get paid. Upon receiving a bill with an exorbitant interest charge,, I reviewed the history and notified the company that the charges were not valid.  I confirmed I do not live in the area of the charges, the charges were not incurred at my local [redacted] store, and I do not own the type of vehicle that incurred the charges. I elected the simplest resolution to make the problem go away, and paid the charges in full, and they did waive additional interest charges.  End result is that they tool approximately $1,000 from me for charges they know I did not incur, and made their corporate accounting issue my issue.
Regards,
[redacted]

March 30, 2016 Revdex.com, Inc. [redacted] — Trade Assistant 2800 Euclid Avenue, 4th Floor Cleveland, OH 44115-2408 P.O. Box 81315  Cleveland, Ohio 44181-0315Re: Tires Plus Account in the name of [redacted] ID: [redacted] Dear [redacted]...

[redacted]: This letter is in response to your letter dated March 30, 2016 in regard to a complaint submitted by [redacted]. We have reviewed [redacted]'s complaint. Our records show that a new charge in the amount of $190.79 on January 26, 2016 was made on Mr. [redacted]'s account. This new charged caused his minimum payment to increase to $32 due by March 18, 2016. The new minimum payment amount showed on his February 23, 2016 statement. A late payment fee in the amount of $25.00 was assessed to the account because a minimum payment was not received by the due date of March 18, 2016. We have processed a credit to Mr. [redacted]'s account in the amount of $28.23 for the late payment fee and interest charges assessed as a courtesy. A refund check in the amount of $28.23 was issued out. Mr. [redacted]'s account is paid in full pending the processing of his payment in the amount of $795.67 received on March 28, 2016. There is no fee to make an automatic phone payment. There is a $10 fee if a payment is made with one of our Customer Service Representatives. We hope that the above information meets with your satisfaction. Sincerely, Angela Corp I Customer Service Specialist Credit First National Association 6275 Eastland Road, Brook Park, Ohio 44142 P: 800.321.3950 F: 216.362.5069 Customer Service Department, BK 11 1 Phone: 800.321.3950 I Fax: 216.362.5069 I www.CFNA.com

Tell us why here... September 14, 2016  [redacted], Dispute Resolution SpecialistRevdex.com, Inc.2800 Euclid Ave., 4th FloorCleveland, OH 44115-2408  Reference:  CFNA/Firestone Complete Auto Care Account #[redacted]...

                      Revdex.com Complaint #[redacted] Dear [redacted]:  Thank you for forwarding the above mentioned complaint filed by [redacted]. Credit First National Association (CFNA) provides monthly updates to the credit reporting agencies, which includes the account balance and payment history. These updates coincide with the account’s billing cycle, which for this account is around the 10th of each month. In addition to these monthly inquiries, our records indicate CFNA has also provided additional adhoc updates per Mr. [redacted]’s request. A copy of our most recent Automated Universal Data Form (AUD), which was sent to the credit reporting agencies on September 9, 2016, is attached for review. Should Mr. [redacted] continue to experience issues related to reporting of his account, we encourage him to contact [redacted] directly and dispute the account’s status. We appreciate this opportunity to be of service and hope this will satisfactorily resolve this matter. Sincerely,  Denise D’[redacted] | Credit OperationsCredit First National Association1-800-321-1150  Enclosure

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. 
Regards,
[redacted]

Per the Terms and Conditions of the Credit First Protection program, if cancellation is received within 30 days of enrollment, any fees that are incurred will be reversed. You may cancel at any time after the 30 days, but any fees that have been charged are the customer's responsibility. As a courtesy, CFNA will reverse only the fees that were incurred in 2015, for a total of $119.03. This is a one-time only reversal, and will appear on your billing statement in the next 5 business days.

CreditFirst   July 20, 2016 P.O. Box 81315 Cleveland, Ohio 44181-0315   Revdex.com, Inc.[redacted]-Dispute Resolution Specialist 2800 Euclid Avenue, 4th Floor Cleveland, OH 44115-24008 Re: [redacted] Account in the name of [redacted]. [redacted], Sr.  ...

    ID: [redacted] Dear [redacted]: This letter is in response to your letter dated July 20, 2016 in regards to a complaint submitted by [redacted]. We have reviewed Mr. [redacted]'s complaint in regards to not allowing a grace period for payments and regarding the fee to make a payment over the phone. The terms on Mr. [redacted]'s account advise that he must pay at least the Minimum Payment Due for each Billing Cycle by 5:00 p.m., ET on or before his Payment Due Date shown on his statement. If the minimum payment is not received by his payment due date a late payment fee will be assessed. In regards to the phone payment option fee charge of $10. This fee is only assessed if a payment is made with a Customer Service Representative. We do offer other payment options. We have established a Remittance Processing Office to expedite the processing of payments to accounts. To submit a conforming payment, he may mail his check or money order to: Credit First National Association, P.O. Box 81344, Cleveland, OH 44188. In addition, he may make conforming payments via our website at www.CFNA.com, or with our automatic telephone service with no additional fee. We appreciate this opportunity to be of service. Sincerely, Angela C[redacted] ,Customer Service Customer Service Department

January 21, 2016 Revdex.com Inc. [redacted]-Dispute Resolution Specialist 2800 Euclid Avenue, 4th Floor Cleveland, Ohio 44115-2408 Re: Firestone Complete Auto Care Account in the name [redacted] ID: [redacted] Dear [redacted]: This letter is in response to...

your letter dated January 18, 2016 in regard to a complaint submitted by [redacted] J. [redacted]. After researching the account, we have determined that the rating being submitted to the credit bureau is correct. On March 21, 2015, Mr. [redacted] contacted our office questioning late fees, he thought he was set up on auto payments. The representative explained the payment options available and as a courtesy agreed to credit $70.00 if a $211.00 payment was made. Mr. [redacted] made the payment on March 21, 2015 and the credit was issued. Mr. [redacted] never advised the representative that he was not receiving statements. He called again on September 4, 2015 to advise he was on active military duty, he was given the information to submit the documents to CFNA. As of today, CFNA has not received the documentation. Enclosed is a copy of the account history. We hope the above information meets with your satisfaction. Sincerely, Judy P[redacted] Judy P[redacted]/Customer Service Specialist Credit First National Association 6275 Eastland Road Brookpark, Ohio 44142 P:800.321.3950 F:216.362.5069 Customer Service Department, BK 11 I Phone: 800.321.3950 I Fax: 216.362.5069 I www.CFNA.com

I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
Regards,
[redacted]

BK-16 / Credit Operations PO Box 81410 Cleveland, Ohio  44181-0410   December 7, 2017     [redacted], Dispute Resolution Specialist 2800 Euclid Ave, 4th FL Cleveland, OH 44115-2408     Reference:  CFNA / Firestone Account #xxxxx[redacted]                       Revdex.com / Complaint ID #[redacted]   Dear [redacted]:   Thank you for forwarding the above mentioned complaint filed by [redacted].     As stated in our previous response, if [redacted] is experiencing financial difficulty or if he’s having trouble making payments, we do offer payment arrangements that can assist him in bringing his account up-to-date. We encourage [redacted] to contact our office directly and speak with an account representative at 1-855-609-8872. This is the only way to secure a payment arrangement.   We are available Monday through Thursday from 8:00 a.m. to 10:00 p.m., Friday from 8:00 a.m. to 6:00 p.m., and Saturday from 8:00 a.m. to 4:00 p.m., ET.   Sincerely,     Lisa G[redacted] | Credit Operations Credit First National Association 1-800-321-1150

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.  However, I still feel that banks such as [redacted] and Co., among others, are influencing or trying to influence some finance companies to stop accepting the banks that are linked to prepaid debit cards.  In my opinion, every debit card issued by ANY bank is a "prepaid card" because you can't use the card unless you put money in the bank account, which is exactly what my V.A. direct deposit does for me each month at [redacted].  If Credit First had a problem receiving their funds from [redacted], then I could see their point of view, but they have not mentioned having ANY problems with the bank itself, other than to say that they have a list of banks and financial institutions that they don't accept that is updated all the time. I will not be forced to use a major bank that charges outrageous fees simply because the big banks don't like the competition, and I will continue to seek out and use creditors who accept a customers right to CHOOSE their OWN bank.
Regards,
[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint [redacted] and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
  Credit first did process my last payment on the exact day I paid it for the first time ever! It's funny how there is no delay or holds on your payments after you close an account with them. They are a shady NON ACREDITED business and a quick google search of reviews on this company will show thousands of other current or previous customers feel the same way I do. [redacted] is just as bad for using a scam of a credit business and I feel they should be shut down. I am in talks now with my lawyer about bringing a class action lawsuit against them for their illegal business practices and unethical ways. Nobody should be treated the way these people at NFCA treat people and steal hardworking Americas hard earned money in the form of late fees that were paid on time before their 5 pm rule online but sat in my checking account as pending for days on end. I have the statements to prove it along with thousands of others just like me. Like I said do a google search on their reviews it's nearly impossible to find one with over one star and that's because you have to click atleast one star to write the reviews! I thank you Revdex.com for your help on this matter but I have to take it a step further. This cannot be allowed to continue without any consequences for this businesses practices. 
Regards,
[redacted]

CreditFirst  NATIONAL ASSOCIATION P.O. Box 81315 I Cleveland, Ohio 44181-0315 I www.CFNA.com May 4, 2017Revdex.com, Inc. [redacted]-Dispute Resolution Specialist 2800 Euclid Avenue, 4th Floor Cleveland, OH 44115-2408 Re: Firestone Complete Auto Care Account in the name...

of [redacted] Dear [redacted]: This letter is in response to your letter dated May 4, 2017 in regards to a complaint submitted by [redacted]'s credit card agreement advises that payment must be processed to his account by 5:00 p.m., ET on or before his due date. Our records show that [redacted] was advised the payment cut off time previously on April 6, 2017 when he called to request a credit for a late payment fee assessed in April 2017. As a courtesy our records show that we did honor that request. We will issue a credit for the late payment fee assessed for May 2017 as a courtesy. Please be advised that [redacted] will be responsible for future fees. Please be advised that [redacted] is able to preschedule payments prior to his payment due date. [redacted] can schedule up to six months of online payments at www.CFNA.com by changing the payment date for each payment he is scheduling. The website will provide an individual confirmation number for each payment. [redacted] would need to retain his confirmation numbers for his records. We appreciate this opportunity to be of service. Sincerely, Angela C[redacted] Customer Service Customer Service Department, BK 11 I Phone: 800.321.3950 I Fax: 216.362.5069 I www.CFNA.com

July 29, 2015Revdex.com, Inc.Aisha Ibrahim – Dispute Resolution Specialist2800 Euclid Avenue, 4th FloorCleveland, OH 44115-2408Re:  Firestone Complete Auto Care Account in the name of Kelli D. JonesID:   10738645    Dear [redacted]:This letter is in response...

to your letter dated July 28, 2015 in regard to [redacted]’ Firestone credit card.First and foremost we wish to extend an apology to [redacted] for what she felt as uncaring, disinterested and distracted assistance from both our CS representative and our CS Supervisor.Upon reviewing the telephone call in question we agree that [redacted]’ needs were not met and want to assure her that assisting our customers is our number one goal.  We have forwarded her complaint directly to our Director of Customer Engagement for review and her outcome decision.After reviewing [redacted]’s account, we have brought her account to a current status.  This means that we have taken away the current amount due and the past amount due.This will stop the account from going 30 days past due so it will not be reported to the credit bureau.  We have also processed a credit in the amount of $25 for the late payment fee that was assessed when no payment was received.Unfortunately, [redacted] did not advise what problem she is having when she is attempting to make a payment online so I c[redacted]ot provide her the proper steps to take.  I can advise if she is inclined to contact Customer Service by telephone, I have made notations on her account to allow her to pay by telephone with no fee for that payment.She may also use the automated telephone system to make a payment free of charge at 1-[redacted].   We also accept a check by mail to our Payment Department:  Credit First National Association, P.O. Box 81344, Cleveland, OH 44188.As advised, I have brought her account to a current status.  The next statement will be processed on August 25, 2015 with a minimum payment required by September 20, 2015.Customer Service Department, BK 11  |  Phone: [redacted]  |  Fax: [redacted]  |  www.CFNA.comAgain, and most sincerely, I apologize for the discourteous treatment [redacted] received and we regret losing her as a customer.  The account was closed per her request on July 28, 2015.  If [redacted] would be willing we would like to try to retain her as a satisfied customer and would like the opportunity to prove that we do value her as our customer.  If she so decides, her account does remain in our system and she would be able to reopen it immediately within the next 10 days.We hope that the above information meets with your satisfaction.Sincerely,Mary [redacted]Mary [redacted] | Customer Service SpecialistCredit First National Association6275 Eastland Road, Brook Park, Ohio 44142[redacted]  *  [redacted]  *  [redacted]  *  [redacted]

(The following was copy/paste by Revdex.com staff - [redacted]January 22, 2017 Revdex.com, Inc. [redacted]-Dispute Resolution Specialist 2800 Euclid Avenue, 4th Floor Cleveland, OH 44115-2408 Re: [redacted] Complete Auto Care Account in the name of [redacted]...

[redacted] Dear [redacted]: This letter is in response to your letter dated January 22, 2017, in regards to a complaint submitted by [redacted]. A late fee in the amount of $25.00 was assessed because the full minimum payment was not received by her due date of January 5, 2018. We have processed a credit to [redacted]' account in the amount of $25.00 for the late payment fee assessed as a courtesy, as it is not our policy to write off late fees. [redacted] will be responsible for future fees. Our records indicate that [redacted] made her payment via check. When mailing check payments, it can take up to 7-10 business days for us to receive. Holidays may create a delay. In addition, [redacted] may make conforming payments via our website at www.CFNA.com, or with our automatic telephone service with no additional fee. She can also speak directly with our Customer Service Department. To contact us for a phone payment either using the automatic system or a representative, please call 800-321-3950. We are available Monday through Friday from 8:00 a.m. to 9:00 p.m. and Saturday from 9:00 a.m. to 5:00 p.m., ET. Please be advised that at this time there is no negative reporting being sent to the credit bureaus in regards to [redacted]' account. We appreciate this opportunity to be of service. Sincerely, Amanda C[redacted]Customer Service

February 29, 2016Revdex.com, Inc.[redacted]-Dispute Resolution Specialist2800 Euclid Avenue, 4th FloorCleveland, OH 44115-2408Re: [redacted] Account in the name of [redacted]ID: [redacted]  Dear [redacted]:This letter is in response to your letter dated February 29, 2016 in...

regard to a complaint submitted by [redacted].We have reviewed Ms. [redacted]’s complaint regarding a late payment fee which was assessed on November 14, 2015.  A $19.00 late payment fee was assessed because we did not receive a minimum payment by the November 13, 2015 due date. Ms. [redacted] contacted our Customer Service Department on December 12, 2015 regarding the late payment fee and a representative agreed to remove the fee as a courtesy. Unfortunately the processing of the adjustment was overlooked in error. Ms. [redacted] contacted our Customer Service Department again on February 27, 2016 and a credit was processed in the amount of $22.00 toward the late payment fee and interest charges assessed. The past due payment history on the account was corrected and we are in the process of updating this status change with the three national credit reporting agencies. Ms. [redacted]’s account will reflect a zero balance within two business days. We hope the above information meets with your satisfaction.Sincerely,Christine K[redacted]Christine K[redacted] | Customer Service SpecialistCredit First National Association6275 Eastland Road, Brook Park, Ohio 44142P: 800.321.3950  F: 216.362.5069

(The following was copy/paste by Revdex.com staff - LST)[redacted]December 8, 2017 Revdex.com, Inc. [redacted]-Dispute Resolution Specialist 2800 Euclid Avenue, 4th Floor Cleveland, OH 44115-2408 Re: Firestone Complete Auto Care Account in the name of [redacted] ID: [redacted] Dear...

[redacted]: This letter is in response to your letter dated December 5, 2017, in regards to a complaint submitted by [redacted]. Please be advised that when [redacted] applied for this account, he signed the application acknowledging our credit card agreement. The credit card agreement advised him of all the conditions to his credit card, including but not limited to: late fees, cut off time, interest, and our time frame to dispute an error on his statement. The terms at this time are: any purchase of $299 and over will qualify for 6 Months Deferred Interest with Monthly Minimum Payments Required. Any purchase under the $299 amount is considered a regular revolving balance. Since [redacted] made his qualifying purchase of $1,235.73 on April 1, 2017, each statement following for the next 6 months showed a promotional purchase. The statement included a "Promotional Balance", "Promotional Due Date", and "Interest Accrued". It is the consumer's responsibility to review his statement each month. Please be advised we do not offer an automatic payment feature at this time to our customers, but customers are able to pre-schedule payments for up to 6 months. Our records indicate [redacted] made his payments each month through our website, where he also pre-scheduled his payments for September 4, 2017 and October 4, 2017. An accrued interest fee in the amount of $133.84 was assessed because the promotional balance payoff was not received by October 5, 2017. A monthly interest fee in the amount of $18.39 was assessed to [redacted]'s account because his balance was not paid in full by November 5, 2017. As a courtesy, a $152.23 credit has been applied to the account and a refund check has been issued. This will result in [redacted] having a zero balance pending the processing of his payment received on December 5, 2017 in the amount of $1,416.49. [redacted] will be responsible for future fees. We appreciate this opportunity to be of service. Sincerely, Amanda C[redacted]Customer Service