Credit First is being completely horrible to work withI have made my payments on time, I have contacted them by phone, I have mailed a letter stating the late payment is not posted when I paid itThere is error and now they don't have the documents I need like the complete payment history and recorded phone callsI have where I made payments and they were not applied on time or there was some kind of miscommunicationI thought that being a good customer would eliminate being treated this wayObviously not and they do not take each customer as family and treat them as such
Since the inception of my billing cycle, I have been paying my bills on time (or more than it supposed to) However, beginning Aug billing cycle, CFNA started charging me of late fee ($starting 09/03/2018) for no odd reason Per the prior month statement, I have submitted a payment of $on 07/17/2018, $on 07/27/2018, and $on 08/28/(for September's billing) Yet, on 09/06/2018, CFNA started charging me $for late fee and an incremental amount of $on 10/03/(payments of $were submitted on 09/06/and 10/05/based from the autopayment established with my bank)I have been a member of *** Complete Auto Care since of which the CFNA is responsible for their credit card promotions My account has been in good standing ever since until this unforeseen "late" fees are being charged under my account It seems that fraud is happening towards the consumers and must be investigated immediately to resolve the issue
On 8/13/2018, I made a final payment to this Credit First National Association Account # ***, 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
My name is *** ***I am a joint account holder on a CREDIT FIRST NATL ASSOC FIRESTONE card with *** ***I contacted CREDIT FIRST NATL ASSOC FIRESTONE OVER a year ago about adding the tradeline to my *** credit report and they told me they would add itI contacted CREDIT FIRST NATL ASSOC FIRESTONE again on 8/10/about the tradeline not reporting to my *** and they told me on 8/11/they would send an update to ***On 8/18/16, I email them and stated that the tradeline still was not addedThey responded on 8/18/stating that they sent it on 8/12/The other two credit reports show updates on 8/12/but the tradeline still have not been added to ***They told me it could take up to weeks over a year ago and it still has not been addedII am still getting the same answer but no results
In november I purchased new tires at my local *** and used my *** 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
My bill is due on the 3rd of each monthI came home from having a full day od Chemo therapy paid my bill on at 8pm central time on the 3rd and still got charge a late feeThis is a way to rip the consumer offI call to speak with a customer service and let them know that I should have till midnight on the 3rd that as long as is still before midnight it should not be lateShe laughed and toll me we have till 430pm ct timeWhat that hellThis is an unfair , way to scam peopleSome of us work late and we should have till midnight, before this company stick it to you
They just lost a customerI might be one person, but thats one less
Credit First N.Aerroneously placed a late charge on my account Attempts to contact them by phone to speak with someone regarding the charge were impossible Customers are connected to a voicemail system that ends with the customer being placed on hold with repeated messages indicating that their call is very important to them; however, no one ever picks up I have excellent credit and am upset that they charged a late fee on my account and that there is no one that I can speak to about it
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 *** account I will not have to find another company to take care of my car because of CFNA *** should know about them
Erroneous charge was billed to my CFNA (***) Credit Card account When I filed an inquiry I was told that the claim was outside of their day window Considering this was fraud, I explained to them this would not be subject to any arbitrary time limitation
No effort was made at any level, to include Agent, Supervisor, or even store when I took exception to an erroneous charge I simply received a generic message stating there would be no further inquiry
They confirm they maintain of records and confirmed the transaction did not take place at my *** store, nor was the service done to any of my cars
My Father passed away in December In January his forwarded mail is delivered to my address indicating Credit First is trying to collect a debt from my Father for Firestone Complete Auto CareI refuse to call Credit First or Firestone - to me clearly this is a ruse or a terrible error and I would like the Revdex.com to be put on notice of this activity in their own state - Ohio
Credit First National Association has violated x USC by continuing collection activity after a cease and desist and USC by failing to report complete and accurate information to credit reporting bureausThey have also failed to provide written proof of debt requested in the attached correspondence
When attempting to obtain a request for a closed account, the representative with whom I spoke, Wendy, first replied with a snarky chuckle and began speaking in a condescending tone explaining that the request was deniedFor future reference, a denial is perfectly acceptable and can be portrayed without customer representatives replying in that mannerIt was highly unprofessional the way the call was handled and should not occur with their other customers
When I fell behind on payments due to lay off from work, cfna did not notify me that they charged off my debt and sent it to collections while I was paying something to themNot once did they notify me about this and now it's on my credit report falselyI've tried talking to them about this without any answers or luck
I called one morning to have a credit issue hopefully resolved I was greeted by a lady named Judy who was extremely rude and wouldn't allow me to really explain my problem Each time I would attempt to explain my issue she would over talk me in a very rude manner and in so many ways basically told me that I was wasting my time calling there I asked to be transferred to another associate This young lady named Melissa was more calm but eventually give me the same treatment that was given to me by Judy This business tells customers one thing until they get your money and then don't uphold their end of the bargain neither do they accept responsibility for their miscommunications I was not correctly notified that my account was not up to date and at the time that I paid the account the people at this collection agency even stated "this may have been a fault of ours or a drop in communication." And now of course they are saying that this is the consumers responsibility This sit
before going on vacation I made electronic billpays to ensure no late fee's, after returning bill is showing only pymtcredited to the accounti called customer servtimes and they said if I provide a bank letter for proof of pymtit will be credited properlyafter emailing and faxing the bank letter now they say thats not good enough, I must have bank provide more information or I will have to pay late fee's and the $that my bank already paid them this isn't right
My CFNA credit card account was charged a late fee because I was unable to make my payment before the pm central time deadline on the due dateThis happened because I had technical issues with your poor website for online paymentsWould not allow my password to log inI attempted to call earlier and was put on hold for over hours and I was unable to speak with a customer service rep to make a phone paymentToo bad your website will not allow check account paymentsYour website makes it difficult for your customers to make timely payments because you are a credit card scam company ripping off your customers on purposeYour President Mr Brian Z*** should be ashamed of himself and his credit card companyI have been a very long time customer of CFNAI requested your customer service to remove the late fee as due to your difficult payment options and very poor customer serviceIf you cannot remove this late payment - THEN PLEASE CLOSE MY ACCOUNTI promise to tell at
*** *** *** *** *** *** *** *** *** *** *** *** ** *** ***
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
Credit First National Association is design to make sure you can't make your payments on time and change the minimum amount due so that IF you do schedule (up to six months) of payment is not enough to cover the minimum, CFNA will consider that a no payment and will always apply a late feeAnd all payments after will be late as wellThey rip off hundreds of customers this way and the practice needs to stopIf they are a credit/lender provider they need to make auto payment a functional part of today's services
Credit First is being completely horrible to work withI have made my payments on time, I have contacted them by phone, I have mailed a letter stating the late payment is not posted when I paid itThere is error and now they don't have the documents I need like the complete payment history and recorded phone callsI have where I made payments and they were not applied on time or there was some kind of miscommunicationI thought that being a good customer would eliminate being treated this wayObviously not and they do not take each customer as family and treat them as such
Since the inception of my billing cycle, I have been paying my bills on time (or more than it supposed to) However, beginning Aug billing cycle, CFNA started charging me of late fee ($starting 09/03/2018) for no odd reason Per the prior month statement, I have submitted a payment of $on 07/17/2018, $on 07/27/2018, and $on 08/28/(for September's billing) Yet, on 09/06/2018, CFNA started charging me $for late fee and an incremental amount of $on 10/03/(payments of $were submitted on 09/06/and 10/05/based from the autopayment established with my bank)I have been a member of *** Complete Auto Care since of which the CFNA is responsible for their credit card promotions My account has been in good standing ever since until this unforeseen "late" fees are being charged under my account It seems that fraud is happening towards the consumers and must be investigated immediately to resolve the issue
On 8/13/2018, I made a final payment to this Credit First National Association Account # ***, 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
My name is *** ***I am a joint account holder on a CREDIT FIRST NATL ASSOC FIRESTONE card with *** ***I contacted CREDIT FIRST NATL ASSOC FIRESTONE OVER a year ago about adding the tradeline to my *** credit report and they told me they would add itI contacted CREDIT FIRST NATL ASSOC FIRESTONE again on 8/10/about the tradeline not reporting to my *** and they told me on 8/11/they would send an update to ***On 8/18/16, I email them and stated that the tradeline still was not addedThey responded on 8/18/stating that they sent it on 8/12/The other two credit reports show updates on 8/12/but the tradeline still have not been added to ***They told me it could take up to weeks over a year ago and it still has not been addedII am still getting the same answer but no results
In november I purchased new tires at my local *** and used my *** 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
My bill is due on the 3rd of each monthI came home from having a full day od Chemo therapy paid my bill on at 8pm central time on the 3rd and still got charge a late feeThis is a way to rip the consumer offI call to speak with a customer service and let them know that I should have till midnight on the 3rd that as long as is still before midnight it should not be lateShe laughed and toll me we have till 430pm ct timeWhat that hellThis is an unfair , way to scam peopleSome of us work late and we should have till midnight, before this company stick it to you
They just lost a customerI might be one person, but thats one less
Credit First N.Aerroneously placed a late charge on my account Attempts to contact them by phone to speak with someone regarding the charge were impossible Customers are connected to a voicemail system that ends with the customer being placed on hold with repeated messages indicating that their call is very important to them; however, no one ever picks up I have excellent credit and am upset that they charged a late fee on my account and that there is no one that I can speak to about it
After disputed account with trans union company is sending notices to update accountThat I never opened Also sending information on services provided
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 *** account I will not have to find another company to take care of my car because of CFNA *** should know about them
Erroneous charge was billed to my CFNA (***) Credit Card account When I filed an inquiry I was told that the claim was outside of their day window Considering this was fraud, I explained to them this would not be subject to any arbitrary time limitation
No effort was made at any level, to include Agent, Supervisor, or even store when I took exception to an erroneous charge I simply received a generic message stating there would be no further inquiry
They confirm they maintain of records and confirmed the transaction did not take place at my *** store, nor was the service done to any of my cars
My Father passed away in December In January his forwarded mail is delivered to my address indicating Credit First is trying to collect a debt from my Father for Firestone Complete Auto CareI refuse to call Credit First or Firestone - to me clearly this is a ruse or a terrible error and I would like the Revdex.com to be put on notice of this activity in their own state - Ohio
Credit First National Association has violated x USC by continuing collection activity after a cease and desist and USC by failing to report complete and accurate information to credit reporting bureausThey have also failed to provide written proof of debt requested in the attached correspondence
When attempting to obtain a request for a closed account, the representative with whom I spoke, Wendy, first replied with a snarky chuckle and began speaking in a condescending tone explaining that the request was deniedFor future reference, a denial is perfectly acceptable and can be portrayed without customer representatives replying in that mannerIt was highly unprofessional the way the call was handled and should not occur with their other customers
When I fell behind on payments due to lay off from work, cfna did not notify me that they charged off my debt and sent it to collections while I was paying something to themNot once did they notify me about this and now it's on my credit report falselyI've tried talking to them about this without any answers or luck
I called one morning to have a credit issue hopefully resolved I was greeted by a lady named Judy who was extremely rude and wouldn't allow me to really explain my problem Each time I would attempt to explain my issue she would over talk me in a very rude manner and in so many ways basically told me that I was wasting my time calling there I asked to be transferred to another associate This young lady named Melissa was more calm but eventually give me the same treatment that was given to me by Judy This business tells customers one thing until they get your money and then don't uphold their end of the bargain neither do they accept responsibility for their miscommunications I was not correctly notified that my account was not up to date and at the time that I paid the account the people at this collection agency even stated "this may have been a fault of ours or a drop in communication." And now of course they are saying that this is the consumers responsibility This sit
CFNA IS REPORTING A FLASE CHARGE OFF ON ALL CREDIT BUREAUS *** *** * ***
ACCOUNT # ***
BALANCE: $2,
before going on vacation I made electronic billpays to ensure no late fee's, after returning bill is showing only pymtcredited to the accounti called customer servtimes and they said if I provide a bank letter for proof of pymtit will be credited properlyafter emailing and faxing the bank letter now they say thats not good enough, I must have bank provide more information or I will have to pay late fee's and the $that my bank already paid them this isn't right
My CFNA credit card account was charged a late fee because I was unable to make my payment before the pm central time deadline on the due dateThis happened because I had technical issues with your poor website for online paymentsWould not allow my password to log inI attempted to call earlier and was put on hold for over hours and I was unable to speak with a customer service rep to make a phone paymentToo bad your website will not allow check account paymentsYour website makes it difficult for your customers to make timely payments because you are a credit card scam company ripping off your customers on purposeYour President Mr Brian Z*** should be ashamed of himself and his credit card companyI have been a very long time customer of CFNAI requested your customer service to remove the late fee as due to your difficult payment options and very poor customer serviceIf you cannot remove this late payment - THEN PLEASE CLOSE MY ACCOUNTI promise to tell at
*** *** *** *** *** *** *** *** *** *** *** *** ** *** ***
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
Credit First National Association is design to make sure you can't make your payments on time and change the minimum amount due so that IF you do schedule (up to six months) of payment is not enough to cover the minimum, CFNA will consider that a no payment and will always apply a late feeAnd all payments after will be late as wellThey rip off hundreds of customers this way and the practice needs to stopIf they are a credit/lender provider they need to make auto payment a functional part of today's services