I had my oil changed at [redacted] shopThe bill was $ I never received a bill from this company They had my phone number and they never phoned meI have a cell phone and they never phoned in the previous months They then sent a bill after months to my old address They never phoned to ask about my new address The company I had do the oil change has my new address They when they did call me they told me I owed $ They also said it was for tires Seeing I never used their stupid card to purchase my tires, I paid cash I feel they are not competent I told them to send me a bill and I would pay for the oil change I paid the $for the oil change Now they want $ I did not but anything else I will never use their card again
CFNA is the biggest RIP-OFF and has the biggest scam going They manage the account of [redacted] I have a due-date the 3rd of every month Legally the third of the month does not end until midnight Last month I made my payment on the 3rd, but because I paid it after 5PM, they charged me a late chargeI go to their site every month to pay, so they could see in the system that I paid it on the third This month when I went in and paid on the 3rd, they charged me a fee because my payment last month was paid on the 3rd, but after Who does that They are the BIGGEST RIP-OFFs ever Once I pay [redacted] off, I will never deal with them again Because of them [redacted] is losing a customer effective today I will not go there again This practice has to be ILLEGAL! They give you a due date, not saying if not paid by 5PM, it is going to be a charge of Can they do this? On the website it says if the payment is made after 5PM, it will not be credited until the next business dayI do understand that, but why charge reflecting they did not receive my payment on the 3rd
CFNA are scammers indeed Each time I pay off my balance, they send another statement with a late fee on it when it was paid on time You can never get anyone to talk to you on the phone, not even to cancel my account I use them for my [redacted] account I will not have to find another company to take care of my car because of CFNA [redacted] should know about them
In november I purchased new tires at my local [redacted] and used my [redacted] credit card through credit firstI sent $payments in December to cover the first bill as they were not sending me a statementOnce I did receive the statement the minimum due is $As I had just sent in $prior to the due date of Jan 18, I was told the first payment was taken care ofOn 1/25/18, received a call from a male stating my payment was not made even though I provided $to them when they only asked for $As I had no way to verify he was actually who he claimed to be I called back and spoke with customer service I was informed due to their lack of billing timely I was being financially penalized with a late feeI requested they take one of my $payments and apply it to the first bill and remove any late feesI was informed they agreed to do thisOn 1/26/I recieved a call that my $payment was missedI have never recieved a statement asking for $68, this was an inbo
I at once had a [redacted] credit card which is under First Credit NA I had closed it a while back due to interest rates were to high I had applied online for another credit card for [redacted] and I was declined I have paid this company over the years thousands of dollars, on the [redacted] credit card, for repairs and things that my car needed I have never been late in paying then and have never defaulted o the bill And they have the nerve to decline my application I need tires for my car and at this time do not have the money for them So I am stuck
This agency still wants to send a threatening warning notice in November for me to pay money after I closed my membership account in September and after they requested a dispute letter from me and I sent it to themI had a [redacted] Credit Card that [redacted] charged without notifying me beforehand in July My vehicle stopped running after the shop charged meI don't appreciate being threatened for a charge that [redacted] madeThey are threatening to send this to the credit report as if I am at faultThey're threatening me to pay $minimum
I recently recieved a letter in the mail from your company related to my accountI have for the past several.months been trying to make payments to my account and cannot because every time I call or even go online it is lockedEach time it gets unlocked, I cannot access my account to do a payment I understand about the back pay that I owe of that would have been paid months ago if your online system and customer service representative would have assisted me properly, in which they did notI am doing the best I can to resolve this matter and everytime I do, nothing gets resolved I am doing the best that I am able toI will have to do some kind of payment arrangement to take care of this matter
I had my car serviced at [redacted] located on [redacted] in Louisville, KY on 9/5/and they offered financing through CFNA The first payment wasn't due until 10/08/ However, I was warned by individuals present at the time that the interest rate was outrageous and it is important to pay it off within the limited time and to make sure not to miss a payment With this in mind I started making payments on 9/19/that always exceeded the amount due, thinking that I was covering all of my bases, as you can see in my records below DUE DATE PAY DATE AMOUNT DUE AMOUNT PAID 10/8/9/19/ $ $ 11/8/10/14/ $ $ 12/8/11/30/ $ $ 1/8/ 12/12/ $ $ 2/8/ 1/18/ $ $ 3/8/ 2/13/ $ $ 4/8/
On 8/13/2018, I made a final payment to this Credit First National Association Account # [redacted] , Paid in Full I received the confirmation letter on 8/21/2018, stating the account was Paid in Full and Credit First would notify the credit agencies and request they update their records accordingly I sent the letter to Equifax to to update my credit file accordingly On 11/01/2018, Equifax investigation results: Credit First states the account Balance is: zero and the Status is: Charged-off Credit First, did not state the account as: Paid in Full as stated in their letter I sent the letter from Credit First to Equifax a second time 11/15/ Equifax 11/15/investigation results: Credit First states the account Balance is: zero and Status is: Charged-off Again, Credit First did not state the account as Paid in Full as stated in the letter Credit First is being DECEPTIVE by only reporting the Balance as zero By not reporting the account PAID/Charged
To Whom it May Concern, I am writing in regards to late payments marked on my credit report from December to April for my closed account I understand how important it is to make timely payments, and that failure to do so creates an inconvenience for youHowever, I missed my payments because I was unemployed due to a job layoff and no longer had income that would allow me to make timely payments Prior to this happening, I had great payment historyI am confident that this won’t happen again and I have taken steps to ensure my financial responsibility moving forward As a courtesy, I am requesting that you make a goodwill adjustment and remove the late payments from my recordThis will help improve my credit worthiness and give me renewed confidence in being a customer in the future Thank you for your consideration
I am demanding that they provide me with ALL account documents from opening until now. If you cannot provide ALL of them, including answer to the letter I wrote to dispute the late payments and my right to dispute, I want the account removed in compliance to FCRA.
I have been call [redacted] that I have not been recive my bill and so I just start paying it on there web my bill all ways dune on 10 of every month and I pay my bill 0n the 7 of every month so went I told them about the later fee they said my bill is being late so I ask how min day it take for u all to get the paymeant on your web they said the same day so how is my bill later so they went inn and took the late fee off and then they stop my credit with them and that not right so they got up set because I show them wear they was wrong to put late fee on the bill
I have an account with CFNA and I have been paying more than the minimum and on time I was using my debit account which has a routing and account number and can be used as a checking accountThe account was on file on the CFNA website and I have been using this form of payment since the account was opened In March I logged into my account, and the website refused to accept my payment It was advising the routing number was wrong When I called they said they will no longer accept this method of payment from my debit account They never emailed or sent paper correspondence to advise me of this The customer service is appalling Absolutely no regard for their customers They won't let you pay and then blame it on you
I received a call from Desiree at Credit First on 9/19/saying I needed to make my payment that was due 9/13/ I told her I had an emergency and would pay it I was so upset that I ask her why she was calling me with it being just a few days She accused me of being late paying August I told her that she did get her money I told her not to call me again Then her supervisor called and said that she was told to call me I didn't need to talk to her but Desiree told her that I didnt need her help I paid my July payment on the 20th and they charged me and August payment was made on the 11th I will pay Septon the 20th with another charge I am deaf because of Meniere's disease with sudden hearing loss and on disability I get my check about the 3rd week of the month and sometimes I am going to have to pay them after I get my disabilityShe was very rude and hateful This company is harassing me with calls and charges
I was offered Credit Card form the First Credit National Association, at the local [redacted] , and was not given an acknowledgment form, then I found out that they had complete a hard core inquiry against my consent, which has impacted my Credit score
I have had a [redacted] for about yearsI have always made my payments on the due date or before For the last months (June and July), [redacted] has been charging my account late feesOn my June statement, I was charged a late fee and my minimum payment was increased to even though I made my payment on the due date On my July statement, I was charged a $late fee and once again I made my payment on the due dateMy minimum payment has increased to To make matters worse, I called and spoke with a rep on the due date of my July payment and express a concern that I was making a payment at 4:00pm, but it was scheduling my payment for the next date overI suspected that this is the same thing that happened with my June paymentI asked for a refund of the June late fee and I was only given a partial This is unacceptable and predatory lending I am an excellent customer with a great account and pay historyI also, make my payments on the
I have an account with CFNA, and they service [redacted] and servicesI've had this account for at least years, and have kept the account in good standing with them, including making at very least the minimum payment due, usually more, by the due date on my billing statementsRecently, I started out with an available credit limit of $2000, then it dropped to $in May of 2017, and now has dropped to $This normally would not create a large concern, however CFNA took it upon themselves to report that my account is now over it's available credit limit, which is viewed in derogatory fashion by each of the credit reporting agenciesIf my standing were not exemplary with CFNA, I would not be addressing this issue, however I've never been late or underpaid that amount listed as due, and have done so in a timely manner, well before the due date listedHow is it that an agency can drop one's approved level of available credit, then report it to agencies, even
I'm a credit card holder of FirestoneMy payment is due on the 3rd of every monthafter reviewing some of my bills I noticed that I've been charged a late fee three timesThese payments were not late They were made on the 3rd at a Firestone Retail storeI was told by Firestone representatives that I could make my payment there and that as long as I made it by the 3rd it would not be considered late however Credit First National Association (CFNA) claims my payment is still late if they don't receive the payment by the 3rdI...disagree I applied at Firestone for my credit cardFirestone is who works on my truck Firestone is the name on my credit cardFirestone is the name on my bill so if CFNA does not receive my payment by the 3rd --that's between them and FirestoneCFNA is not affiliated with me --I've had no personal contact with CFNA I made my agreements with Firestone If I make my payment on time to Firestone and they accept that payment as such--I'v
[redacted] Credit First Representative, After viewing an updated copy of my credit report with all three of the major credit reporting agencies Transunion, Equifax, and Experian I noticed your company has placed an account on my credit file that does not legally belong to meAs it states in the Fair Credit Reporting act, it Is my right to request validation of any alleged debtI do not believe this debt is accurate and I would like for you to remove it as soon as possible I would like for my credit report and scores to represent me in a positive way, and reflect the positive, honest lifestyle that I live however this mistake in reporting has left me in distress and I am not happy about this incorrect information being on my credit reportAccording to the provisions of the fair credit reporting act, Section (609) your company is required by federal law to verify
I was a Credit First NA customer until my account went to collection in During the mentioned year, I was unemployed and in the process of looking for a jobHowever, I got a job in August and as soon as I got a job, I paid in full all the balance on the account immediately But Credit First NA had failed to update my payment status on my Equifax and TransUnion reports (currently my Payment Status is : Bad debt & placed for collection & skip)I actually paid the balance in FULL On top of that, the creditor has been updating the closed, fully paid account as 'FP'-failed to pay, each month to Equifax and damaging my credit scoreI have to dispute each month with Equifax to remove this inaccurate record from this creditor
I had my oil changed at [redacted] shopThe bill was $ I never received a bill from this company They had my phone number and they never phoned meI have a cell phone and they never phoned in the previous months They then sent a bill after months to my old address They never phoned to ask about my new address The company I had do the oil change has my new address They when they did call me they told me I owed $ They also said it was for tires Seeing I never used their stupid card to purchase my tires, I paid cash I feel they are not competent I told them to send me a bill and I would pay for the oil change I paid the $for the oil change Now they want $ I did not but anything else I will never use their card again
CFNA is the biggest RIP-OFF and has the biggest scam going They manage the account of [redacted] I have a due-date the 3rd of every month Legally the third of the month does not end until midnight Last month I made my payment on the 3rd, but because I paid it after 5PM, they charged me a late chargeI go to their site every month to pay, so they could see in the system that I paid it on the third This month when I went in and paid on the 3rd, they charged me a fee because my payment last month was paid on the 3rd, but after Who does that They are the BIGGEST RIP-OFFs ever Once I pay [redacted] off, I will never deal with them again Because of them [redacted] is losing a customer effective today I will not go there again This practice has to be ILLEGAL! They give you a due date, not saying if not paid by 5PM, it is going to be a charge of Can they do this? On the website it says if the payment is made after 5PM, it will not be credited until the next business dayI do understand that, but why charge reflecting they did not receive my payment on the 3rd
CFNA are scammers indeed Each time I pay off my balance, they send another statement with a late fee on it when it was paid on time You can never get anyone to talk to you on the phone, not even to cancel my account I use them for my [redacted] account I will not have to find another company to take care of my car because of CFNA [redacted] should know about them
In november I purchased new tires at my local [redacted] and used my [redacted] credit card through credit firstI sent $payments in December to cover the first bill as they were not sending me a statementOnce I did receive the statement the minimum due is $As I had just sent in $prior to the due date of Jan 18, I was told the first payment was taken care ofOn 1/25/18, received a call from a male stating my payment was not made even though I provided $to them when they only asked for $As I had no way to verify he was actually who he claimed to be I called back and spoke with customer service I was informed due to their lack of billing timely I was being financially penalized with a late feeI requested they take one of my $payments and apply it to the first bill and remove any late feesI was informed they agreed to do thisOn 1/26/I recieved a call that my $payment was missedI have never recieved a statement asking for $68, this was an inbo
I at once had a [redacted] credit card which is under First Credit NA I had closed it a while back due to interest rates were to high I had applied online for another credit card for [redacted] and I was declined I have paid this company over the years thousands of dollars, on the [redacted] credit card, for repairs and things that my car needed I have never been late in paying then and have never defaulted o the bill And they have the nerve to decline my application I need tires for my car and at this time do not have the money for them So I am stuck
This agency still wants to send a threatening warning notice in November for me to pay money after I closed my membership account in September and after they requested a dispute letter from me and I sent it to themI had a [redacted] Credit Card that [redacted] charged without notifying me beforehand in July My vehicle stopped running after the shop charged meI don't appreciate being threatened for a charge that [redacted] madeThey are threatening to send this to the credit report as if I am at faultThey're threatening me to pay $minimum
I recently recieved a letter in the mail from your company related to my accountI have for the past several.months been trying to make payments to my account and cannot because every time I call or even go online it is lockedEach time it gets unlocked, I cannot access my account to do a payment I understand about the back pay that I owe of that would have been paid months ago if your online system and customer service representative would have assisted me properly, in which they did notI am doing the best I can to resolve this matter and everytime I do, nothing gets resolved I am doing the best that I am able toI will have to do some kind of payment arrangement to take care of this matter
I had my car serviced at [redacted] located on [redacted] in Louisville, KY on 9/5/and they offered financing through CFNA The first payment wasn't due until 10/08/ However, I was warned by individuals present at the time that the interest rate was outrageous and it is important to pay it off within the limited time and to make sure not to miss a payment With this in mind I started making payments on 9/19/that always exceeded the amount due, thinking that I was covering all of my bases, as you can see in my records below DUE DATE PAY DATE AMOUNT DUE AMOUNT PAID 10/8/9/19/ $ $ 11/8/10/14/ $ $ 12/8/11/30/ $ $ 1/8/ 12/12/ $ $ 2/8/ 1/18/ $ $ 3/8/ 2/13/ $ $ 4/8/
On 8/13/2018, I made a final payment to this Credit First National Association Account # [redacted] , Paid in Full I received the confirmation letter on 8/21/2018, stating the account was Paid in Full and Credit First would notify the credit agencies and request they update their records accordingly I sent the letter to Equifax to to update my credit file accordingly On 11/01/2018, Equifax investigation results: Credit First states the account Balance is: zero and the Status is: Charged-off Credit First, did not state the account as: Paid in Full as stated in their letter I sent the letter from Credit First to Equifax a second time 11/15/ Equifax 11/15/investigation results: Credit First states the account Balance is: zero and Status is: Charged-off Again, Credit First did not state the account as Paid in Full as stated in the letter Credit First is being DECEPTIVE by only reporting the Balance as zero By not reporting the account PAID/Charged
To Whom it May Concern, I am writing in regards to late payments marked on my credit report from December to April for my closed account I understand how important it is to make timely payments, and that failure to do so creates an inconvenience for youHowever, I missed my payments because I was unemployed due to a job layoff and no longer had income that would allow me to make timely payments Prior to this happening, I had great payment historyI am confident that this won’t happen again and I have taken steps to ensure my financial responsibility moving forward As a courtesy, I am requesting that you make a goodwill adjustment and remove the late payments from my recordThis will help improve my credit worthiness and give me renewed confidence in being a customer in the future Thank you for your consideration
I am demanding that they provide me with ALL account documents from opening until now. If you cannot provide ALL of them, including answer to the letter I wrote to dispute the late payments and my right to dispute, I want the account removed in compliance to FCRA.
I have been call [redacted] that I have not been recive my bill and so I just start paying it on there web my bill all ways dune on 10 of every month and I pay my bill 0n the 7 of every month so went I told them about the later fee they said my bill is being late so I ask how min day it take for u all to get the paymeant on your web they said the same day so how is my bill later so they went inn and took the late fee off and then they stop my credit with them and that not right so they got up set because I show them wear they was wrong to put late fee on the bill
I have an account with CFNA and I have been paying more than the minimum and on time I was using my debit account which has a routing and account number and can be used as a checking accountThe account was on file on the CFNA website and I have been using this form of payment since the account was opened In March I logged into my account, and the website refused to accept my payment It was advising the routing number was wrong When I called they said they will no longer accept this method of payment from my debit account They never emailed or sent paper correspondence to advise me of this The customer service is appalling Absolutely no regard for their customers They won't let you pay and then blame it on you
I received a call from Desiree at Credit First on 9/19/saying I needed to make my payment that was due 9/13/ I told her I had an emergency and would pay it I was so upset that I ask her why she was calling me with it being just a few days She accused me of being late paying August I told her that she did get her money I told her not to call me again Then her supervisor called and said that she was told to call me I didn't need to talk to her but Desiree told her that I didnt need her help I paid my July payment on the 20th and they charged me and August payment was made on the 11th I will pay Septon the 20th with another charge I am deaf because of Meniere's disease with sudden hearing loss and on disability I get my check about the 3rd week of the month and sometimes I am going to have to pay them after I get my disabilityShe was very rude and hateful This company is harassing me with calls and charges
I was offered Credit Card form the First Credit National Association, at the local [redacted] , and was not given an acknowledgment form, then I found out that they had complete a hard core inquiry against my consent, which has impacted my Credit score
I have had a [redacted] for about yearsI have always made my payments on the due date or before For the last months (June and July), [redacted] has been charging my account late feesOn my June statement, I was charged a late fee and my minimum payment was increased to even though I made my payment on the due date On my July statement, I was charged a $late fee and once again I made my payment on the due dateMy minimum payment has increased to To make matters worse, I called and spoke with a rep on the due date of my July payment and express a concern that I was making a payment at 4:00pm, but it was scheduling my payment for the next date overI suspected that this is the same thing that happened with my June paymentI asked for a refund of the June late fee and I was only given a partial This is unacceptable and predatory lending I am an excellent customer with a great account and pay historyI also, make my payments on the
I have an account with CFNA, and they service [redacted] and servicesI've had this account for at least years, and have kept the account in good standing with them, including making at very least the minimum payment due, usually more, by the due date on my billing statementsRecently, I started out with an available credit limit of $2000, then it dropped to $in May of 2017, and now has dropped to $This normally would not create a large concern, however CFNA took it upon themselves to report that my account is now over it's available credit limit, which is viewed in derogatory fashion by each of the credit reporting agenciesIf my standing were not exemplary with CFNA, I would not be addressing this issue, however I've never been late or underpaid that amount listed as due, and have done so in a timely manner, well before the due date listedHow is it that an agency can drop one's approved level of available credit, then report it to agencies, even
I'm a credit card holder of FirestoneMy payment is due on the 3rd of every monthafter reviewing some of my bills I noticed that I've been charged a late fee three timesThese payments were not late They were made on the 3rd at a Firestone Retail storeI was told by Firestone representatives that I could make my payment there and that as long as I made it by the 3rd it would not be considered late however Credit First National Association (CFNA) claims my payment is still late if they don't receive the payment by the 3rdI...disagree I applied at Firestone for my credit cardFirestone is who works on my truck Firestone is the name on my credit cardFirestone is the name on my bill so if CFNA does not receive my payment by the 3rd --that's between them and FirestoneCFNA is not affiliated with me --I've had no personal contact with CFNA I made my agreements with Firestone If I make my payment on time to Firestone and they accept that payment as such--I'v
[redacted] Credit First Representative, After viewing an updated copy of my credit report with all three of the major credit reporting agencies Transunion, Equifax, and Experian I noticed your company has placed an account on my credit file that does not legally belong to meAs it states in the Fair Credit Reporting act, it Is my right to request validation of any alleged debtI do not believe this debt is accurate and I would like for you to remove it as soon as possible I would like for my credit report and scores to represent me in a positive way, and reflect the positive, honest lifestyle that I live however this mistake in reporting has left me in distress and I am not happy about this incorrect information being on my credit reportAccording to the provisions of the fair credit reporting act, Section (609) your company is required by federal law to verify
I was a Credit First NA customer until my account went to collection in During the mentioned year, I was unemployed and in the process of looking for a jobHowever, I got a job in August and as soon as I got a job, I paid in full all the balance on the account immediately But Credit First NA had failed to update my payment status on my Equifax and TransUnion reports (currently my Payment Status is : Bad debt & placed for collection & skip)I actually paid the balance in FULL On top of that, the creditor has been updating the closed, fully paid account as 'FP'-failed to pay, each month to Equifax and damaging my credit scoreI have to dispute each month with Equifax to remove this inaccurate record from this creditor