Credit First National Association

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.I would like to cancel the enrollment for the credit protection that is on this account. 
Regards,
[redacted]

March 31, 2016 Revdex.com, Inc. [redacted] — Trade Assistant 2800 Euclid Avenue, 4th Floor Cleveland, OH 44115-2408 Re: Firestone Complete Auto Care Account in the name of [redacted]. [redacted] ID: [redacted] Dear [redacted]: This letter is in response to your letter dated...

March 30, 2016 in regards to a complaint submitted by [redacted] L. [redacted]. We have reviewed Ms. [redacted]'s complaint. Per the terms on Ms [redacted] account, refunds will be issued within 30 days per the customer's request. We truly do apologize for any miscommunication that was made when Ms. [redacted] called on March 28, 2016. We show that Ms. [redacted] was advised that she would receive her refund check within 7 to 10 business days. We issued a reversal of funds in the amount of $1190.76 back in to Ms. [redacted]'s checking account on March 30, 2016. This process can take up to 72 business hours to fully process. 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

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. 
Regards,
[redacted]

[redacted] :
Thank you for forwarding the complaint (ID [redacted]) filed by [redacted].
Due to the age and inactivity of [redacted]'s account, all...

information in reference to this account was previously purged from our system.
A request was submitted to all three credit reporting agencies today, to delete this trade line completely from [redacted]'s credit file. A copy of that correspondence is enclosed for your records.
We sincerely regret any inconvenience this matter has caused [redacted], and hope that this will satisfactorily resolve the situation.
For further questions or assistance, please contact our office at 800-[redacted]. We are available Monday through Thursday from 8:00 a.m. to 11:00 p.m., Friday from 8:00 a.m. to 4:30 p.m., and Saturday from 9:00 a.m. to 1:00 p.m., Eastern Standard Time.
Sincerely,
Denise D[redacted]
Credit First National Association
1-800-[redacted]
Enclosure
cc: [redacted]

---------- Forwarded message ----------From: <[redacted]@twc.com>Date: Thu, Nov 3, 2016 at 12:38 PMSubject: Re: You have a new message from the Revdex.com serving Greater Cleveland regarding complaint #[redacted].To: [redacted]@cleveland.Revdex.com.orgI did receive my...

refunds from the company and appreciate your thorough handling of this situation.

CreditFirst  NeNATIONAL ASSOCIATION P.O. Box 81315 1 Cleveland, Ohio 44181-0315 I www.CFNA.com September 8, 2017 Revdex.com, Inc. [redacted]-Dispute Resolution Specialist 2800 Euclid Avenue, 4th Floor Cleveland, OH 44115-2408 Re: [redacted]...

Account in the name of [redacted] ID: [redacted] Dear [redacted]: This letter is in response to your letter dated September 6, 2017 in regards to a complaint submitted by [redacted] is aware from previous emails that the full minimum payment is required to be received by her due date. A late fee in the amount of $35.00 was assessed because the full minimum payment was not received by September 3, 2017.We have processed a credit to [redacted]'s account in the amount of $35.00 for the late payment fee assessed as a courtesy. We have scheduled another adjustment to [redacted]'s account for Monday, September 11, 2017. This adjustment will lower her minimum payment down to the normal 4%. Her minimum due for October 3, 2017 will show higher on her statement and we ask that she disregards that information. Once our adjustment is completed her minimum will be approximately $27 (subject to change) and will reflect correctly on our automated system and her online profile. It is not our policy to make adjustments on accounts. Please be advised [redacted] will be responsible for future fees and this will be the final adjustment made to her account. Sincerely, A inctinci,cu C[redacted]-Customer Service Customer Service Department, BK 11 I Phone: 800.321.3950 I Fax: 216.362.5069 I www.CFNA.com

[redacted] & [redacted][email protected]>10:28 AMto Better I sent am email on Tue, Oct 11, 2016 at 10:49 AM ([email protected]) advising that my issue has been resolved and I would like to close the complaint. I am satisfied with the resolution.[redacted]

December 4, 2015 Revdex.com, Inc. [redacted] — Dispute Resolution Specialist2800 Euclid Avenue, 4th Floor Cleveland, OH 44115-2408 Re: [redacted] Account ID: [redacted] Dear [redacted]: This letter is in response to your letter dated...

December 4, 2015 in regard to [redacted]' Firestone credit card. We have listened the telephone conversation that our representatives had with [redacted] on December 3, 2015, in which she has inferred that we were condescending. After review, we do not concur with her assessment. We believe that our representatives handled the telephone call as they are trained to do. Our credit card agreement advises that payments must be processed to an account by 5:00 p.m., ET on or before the due date of the account. [redacted]' due date is the 3rd of every month. Our records indicate that we have verbally advised her of these terms by telephone previously and we have removed late payment fees per her request in October 2013 and June 2015. We previously also brought her account to a current status to avoid the assessment of a late payment fee in November 2013. We do not continue to remove fees on any account and we believe that as we have assisted [redacted] several times by removing and avoiding fees on her account that by removing one half of the new late payment fee we were doing so as a courtesy to her. We are sorry that she disagrees with our policy, however, we believe that if [redacted] would review the history of her account, she would agree with us that we have been more than lenient regarding the fees. We look to her, as we look to all customers to honor their agreement with us and make on time payments to the account. We hope that the above information meets with your satisfaction. Sincerely, Mary Ann K[redacted] I Customer Service Specialist Credit First National Association 6275 Eastland Road, Brook Park, Ohio 44142 [redacted]

I disagree with their practice of not honoring postmarked dates, however the account crediting and not marking my credit score works.
I have reviewed the response made by the business in reference to complaint ID 12152046, and find that this resolution is satisfactory to me. 
Regards,
[redacted]

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.  This is awrsome thanks although I refuse to partake in a scheme to rip off consumers any way thanks for your cooperation. I know it will be removed from credit bureau I shall contact them directly. Thanks for honouring my request. I'd appreciate zero contact from your or any other collectors hired from you. Should it happen I will seek legal action for violation of my rights under Fair Deb Collections Practice Act and Statute Of Limitations.
Regards,
[redacted]

Good Morning, [redacted], I just received the following email from you, having had limited access to my email because my laptop battery had died and the charger was in another state.  I am back in that...

state now.Two days ago, I received a notice from Credit First - which was dated a WEEK EARLIER - and which stated that a separate notice had been sent prior to that one, and with an attached dispute claim form.   THIS - AGAIN - WAS NEVER RECEIVED.  THIS IS THE THIRD  TIME THAT CREDIT FIRST HAS SAID THAT THEY HAVE SENT A DISPUTE FORM WHICH THEY HAVE NOT SENT.   THEY ARE UNCONSCIONABLE (sp?) IN THEIR PRACTICE. The name of the Credit First representative is back on my desk at home in Mass.  If you would like that, I can forward it to you.  It was the same person mentioned in  he message to you on my the original complaint - a person who should not hold that position.I will be filing a complaint with the Attorney General's office with regard to the unresolved nature and unjust practices exercised throughout this process.Regards, [redacted]

BK-16 / Credit Operations
PO Box 81410
Cleveland, Ohio 44181-0410
June 4, 2015
Revdex.com
Attn: [redacted], Dispute Resolution Specialist
2800 Euclid Avenue, 4th Floor
Cleveland, OH 44115-2408
Reference: [redacted] / Revdex.com complaint ID#[redacted]
...

CFNA/Firestone Credit Card #[redacted]
Dear [redacted]:
Thank you for forwarding the above complaint regarding the account for [redacted].
A review of the recorded telephone conversation, revealed that the account representative offered a concise, factual explanation for all of [redacted]'s questions.
The representative explained the reason for the past due status of [redacted]'s account was due to a system error, caused by a payment returned by his bank. When a payment is returned the system automatically changes the payment history to reflect a past due payment. Although [redacted] had made a replacement payment the same day, the system did not recognize the additional payment and incorrectly reported his account as past due. The account representative explained the error could be corrected manually in our system and proceeded to correct [redacted]'s account and credit reporting information while he was on the telephone.
During the telephone conversation [redacted] also expressed his dissatisfaction that this matter wasn't already addressed prior to his telephone call. System errors cannot always be detected. We do however, correct any situation brought to our attention as quickly as possible to reduce any negative impact to the customer. A request was submitted to all three credit reporting agencies today, reflecting on-time payments and insuring any derogatory information is deleted. Although the credit reporting information had already been corrected in our system, today's request will expedite the process.
A request was also processed today to re-enroll [redacted] for Credit First Protection coverage, since the cancellation of coverage was due to delinquency and [redacted]'s account was never delinquent.
We certainly regret that [redacted] felt that the representative with whom he spoke, was unprofessional and rude. Please be advised that this is not representative of the service we strive to provide and will take the appropriate steps to ensure this won't be repeated.
Please accept our apologies for any inconvenience this may have caused. If you have any further questions regarding this matter, please contact our offices directly at 800-[redacted].
Sincerely,
[redacted]/Credit Operations
Credit First National Association
1-800-[redacted]
Enclosure
cc: [redacted]

BK-16 / Credit OperationsPO Box 81410Cleveland, Ohio  44181-0410February 5, 2018[redacted], Dispute Resolution SpecialistRevdex.com, Inc.2800 Euclid Ave, 4th Fl.Cleveland, OH 44115-2408Reference:  CFNA / [redacted]           ...

          Revdex.com Complaint ID #[redacted] Dear [redacted]:Thank you for forwarding the above mentioned complaint filed by [redacted].Our records indicate that the statements were mailed to the address on file since the account inception. However, it is the accountholders responsibility to update the address and phone number to their account.  Due to the incorrect mailing address which Credit First had listed, we have issued a credit to [redacted]’s account in the amount of $87.01 for late payment fees and interest previously assessed. We have agreed to clear the past due status reported on the account. A corrected rating is being generated and sent to the credit reporting agencies for proper updating. Please understand our submission does not guarantee updated reporting for the account, as it is within the sole discretion of the credit bureaus whether the change is made and the timeframe in which it is completed. We do offer the option of receiving electronic statements by registering on our website, www.CFNA.com, and selecting paperless statements.  We appreciate this opportunity to be of service and hope this will satisfactorily resolve this matter.Sincerely,Lisa G[redacted] | Credit OperationsCredit First National Association1-800-321-1150 BK-16 / Credit OperationsPO Box 81410Cleveland, Ohio  44181-0410

Dear [redacted]:Thank you for forwarding the complaint submitted by [redacted] [redacted] (ID [redacted]).As specified in the terms of our card agreement, accountholder's are required to pay at least the Minimum Payment Due for each Billing Cycle by the Payment Due Date shown on their statement. The...

Minimum Payment Due for each Billing Cycle will be the greater of (a) 4% of the New Balance (rounded to the nearest whole dollar) plus all past due amounts and any Late Payment Fee, Returned Payment Fee or unpaid ACH Service Fee incurred during the previous Billing Cycle; or (b) $19 (or any amount less than $19 needed to pay the account balance in full). The New Balance used to determine the Minimum Payment Due includes Regular Credit Plan transactions and Promotional Plan Balances. A copy of the credit card agreement is enclosed for reference.As shown on the attached Account Information Report, monthly payments were not scheduled and received consistently with the account's due date, the 15th day of each month; therefore, the account qualified for late payment fees. Please also find a copy of Ms. [redacted]'s August 2015 statement, which says, "You Must Pay Your Promotional Balance in Full by the Promotional Due Date(s) Listed Above to Avoid Paying the Accrued Interest Charges." In her case the Promotional Balance (Payoff Amount) listed $309.00 by the Promotional Due Date 09/15/2015.We agree to cease all communication with Ms. [redacted] and have closed her account as requested. Although she no longer wishes to retain neither the card nor its services, Ms. [redacted] is still responsible for the outstanding balance of $481.62 that yet remains. Unfortunately, Ms. [redacted] does not qualify for an account adjustment at this time. We do, however, offer special payment arrangements to customers in financial distress, to assist in bringing their accounts up-to-date. Ms. [redacted] is welcome to call and discuss her situation with an account representative.We have an obligation to our cardholders as well as the Credit Bureaus and potential lenders, to accurately report each account status and the manner in which the account was paid. Based on the information outlined above, our reporting of the account is an accurate portrayal of the manner in which the account was paid.  As a result, we unfortunately are unable to comply with Ms. [redacted]'s request to delete this trade line. If there are any additional questions or concerns regarding this account, or the enclosed information, please contact our office at 800-321-1150 for assistance. We are available Monday through Thursday from 8:00 a.m. to 11:00 p.m., and Friday from 8:00 a.m. to 4:30 p.m., and Saturday from 9:00 a.m., to 1:00 p.m., Eastern Standard Time.Sincerely,Denise D'[redacted] | Credit OperationsCredit First National Association1-800-321-1150Enclosures:Credit card termsTransaction historyCopy of billing statement Tell us why here...

CreditFirst  NATIONAL ASSOCIATION October 12, 2017 P.O. Box 81315 I Cleveland, Ohio 44181-0315 I www.CFNA.com 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] Dear [redacted]: This letter is in response to your letter dated October 12, 2017, in regards to a complaint submitted by [redacted]. Our records show that [redacted] has been advised multiple times that per his credit card agreement, his payment must be processed to his account by 5:00 p.m., ET on or before his payment due date. Late payment fees in the amount of $25 each were assessed to [redacted]'s account because a minimum payment was not received by 5:00 p.m., ET for his due dates of March 22, 2017, May 22, 2017, August 22, 2017, and September 22, 2017.We show that as a courtesy, we issued credits for three previous late payment fees on [redacted]'s account on April 5, 2017, May 24, 2017 and August 24, 2017. At this time, [redacted] was advised that our policy is not to remove late fees and that this was a courtesy. We are unable to honor [redacted]'s request to issue a credit for the late payment fee assessed in September 2017. If [redacted] wishes to proceed with closing his account he can contact Customer Service by telephone at 800-321-3950, or he can send his card cut in half back to the Inquiry Department address listed on his statements. 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

Credit First NATIONAL ASSOCIATION July 11, 2017 P.O. Box 81315 Cleveland, Ohio 44181-0315 www.CFNA.com 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] Dear [redacted]: This letter is in response to your letter dated July 1, 2017 in regard to a complaint submitted by [redacted]. Our records indicate that a previous dispute had been opened on [redacted] account on March 1, 2017 and was resolved by the Consumer Affairs department on March 27, 2017. We sent two letters to [redacted] one on April 7, 2017, and one on April 26, 2017 advising that Consumer Affairs had closed the case, and that minimum monthly payments were required on the account. The dispute has been resolved and closed by CFNA, and [redacted] is responsible for the outstanding balance. If [redacted] has any additional information she would like to submit, she may fill out the enclosed dispute form, along with her documentation, and return it to: Credit First National Association P.O. Box 81315 Cleveland, OH 44181-0315 We apologize for any inconvenience this may have caused, and we appreciate the opportunity to be of service. Customer Service Supervisor Customer Service Department, BK 11 I Phone: 800.321.3950 I Fax: 216.362.5069 I www.CFNA.com

______________________________________________________________________ BK-16 / Credit Operations PO Box 81410 Cleveland, Ohio  44181-0410   July 20, 2017     [redacted], Dispute Resolution Specialist 2800 Euclid Ave, 4th FL Cleveland, OH 44115-2408     Reference:  CFNA / [redacted] Account #xxxxx[redacted]                       Revdex.com / Complaint ID #[redacted]   Dear [redacted]:   Thank you for providing the response from [redacted] concerning our letter dated July 13, 2017.   We encourage Ms. [redacted] to contact us to discuss her outstanding balance.  Hopefully, by working together, we will be able to resolve the outstanding debt.   We can be reached at 877-888-0844, Monday through Friday from 8:00 a.m. to 4:30 p.m., Easter Standard Time.   We look forward to hearing from Ms. [redacted] to assist in resolving this matter.   Sincerely,     Lisa G[redacted] | Credit Operations Credit First National Association 1-877-888-0844

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.
A little phone call would have settled this a long time ago. A company can not pick up the phone to let the consumer that their account is in default? I did advise a representative, the address I provided was a temporary address because I was transitioning out of the Army. I will offer them a settlement offer for the original amount, but I will not pay them the late charges that could have been avoided.
Kind regards,
[redacted]

BK-16 / Credit Operations PO Box 81410 Cleveland, Ohio  44181-0410   November 27, 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].   We are sorry to learn of the unfortunate circumstances delaying payment on [redacted]’s account. We realize he is concerned about meeting his obligation with Credit First National Association and we would like the opportunity to discuss payment options available. Hopefully, by working together, we will be able to develop a mutually agreeable repayment plan.   We apologize for the recent phone problems [redacted] encountered with CFNA. Our automated system provides phone prompts to connect the costumers with our account representatives.   Based on the above information, our reporting of this account is an accurate portrayal of the manner in which the account was paid. Unfortunately, we are unable to accommodate the request to alter the trade line.   We are certainly willing to work with [redacted] to assist in bringing his account up-to-date. However, it will be necessary for [redacted] to contact our office and speak directly 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

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]