If you can possibly avoid it, DO NOT USE THIS COMPANY They make it as difficult as possible for the consumer You CANNOT set up an automatic payment--as is possible with every other credit account I have--in order not to lose the promotion by accidentally paying late or not at all Then they can hit you with a fee, which will cancel out any financial advantage you may have gleaned from the six-month, interest-free promotion (This is what just happened to me.) They dangle the promotion like a juicy piece of meat in order to make their money on fees and exorbitant credit percentages Then they cut customer service to a minimum in order to increase profitsFor example, I just attempted to call them (online chat is NOT available on their website) but was never given an option to speak to a representative I pushed zero anyway, and was transferred to wait in line for a rep Then I received a recording that they were experiencing heavy call volume (probably always because of their unfair practices and low functionality of their website) and that I could push "2" to receive a call back, otherwise my wait time was unknown I'm still waiting for that call When I reach them some day in the vague future, I will ask them to waive a $fee I incurred because they are the only debtor that does not offer auto pay I don't expect a wonderful response
SCAMMERSSent Me an 'opt out' form for the state of Caso that my personal information won't be passed on to affiliates or used for marketingAs soon as I called the number to opt out they ask me for my "card number"Well, first of all - there is NO credit card named on this - no account number that is MINE that I"m dealing withHOW DO I KNOW which credit card(s) they handle? What is my account number? So then I try to go to the "customer service number" online - EVERY SINGLE NUMBER did not get me a person - calling within their business hours ALL DAY LONG, they say they are closedThen I called back and tried every single number for help on their menu - every single one answered that they are closedSCAMSCAMSCAM But - hey - they sent me an "opt out" form for california - its not MY fault that I have no idea what account they are talking about - this way they can use all my info for their own benefit and not be hit with class action lawsuit(s)
I cannot get a VALoan because CFNA is putting this horrendous, horrifying, and horrific miscarriage of justice on my credit fileThis is 100% identity theft and Credit First N.Ais pushing this negative narrativePlease protect me from these banditsIt is all about their BOTTOM LINE
CFNA sole propose is to ruin my life and my family’s livesThis company is preventing me from getting my V.Aloan that I rightly deserve in defending my country I dearly loveEach time Equifax remove this item CFNA puts it back on my credit reportThey are trying to collect a debt that is not owed, fraudulent, and it should not be reported it to my credit fileI have a police report! As a Veteran who fought for this country, and a Gold Star Family Member they are treating me like the sm of the Earth
Please help protect me against these atrocious, and unspeakable parasites of a companyPlease help!
I had my car serviced at *** * *** located on *** *** 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/
I never received a statement form this credit card company that operates for Firestone they say that they sent it electronically but I don't recall signing up electronicallyThe only reason I noticed it was late is that I checked my credit reportThey never called or mailed me anythingI paid the account in full and now they are refusing to work with me on the derogatory credit reportingI de-enrolled in electronic statements and now every time I log in online it reminds me to sign up in a way that it seems like you cannot move forward
I have been trying to address an issue with this incompetent company since 8/3/2017, and due to their negligence and incompetence in responding or reading my requests they are fraudulently charging me feesBased on other complaints, I assume this is a practice they think they can get away with me, but not happening with meOn 8/I emailed them stating my minimum payment was incorrect, gave them an opportunity to address it and fix itThey did not respond in a reasonable amount of time, so I made my correct min payment of dollars on 8/3/my DUE date for my cardA month goes by and now its 9/and the bill is due again, I emailed them and advised the amount was still incorrect and apparently they tacked on TWO late fees of dollars a piece, meanwhile my bill was never late and they wanted dollars when I owed I gave them another chance to adjust and correct the billI advised them I had to make a payment and I was not going to charged for late fees on a bill that wa
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 received a bill for my Firestone account that does not belong to me I contacted Credit First on Mayand spoke to Joshua at customer service He gave me phone number for the store where the bill originated and gave me a phone number to call them I spoke to Adam at that location on the same date He is in Dartmouth, MA He told me I would have to call customer service back and ask them to start a fraud investigation On 5/I finally reached customer service again and spoke to Laurel She told me she would enter my statement of refuted charge and it would be forwarded to the refute department who would contact me This is May and I have not heard from anyone I again contacted customer service and spoke to Shannon and was told he sees no updates and transferred me to the refute department The refute department was answered with an auto message saying the party was not available and they terminated the call
The charge to my account was made for and was made in M
I have an account with CFNA, and they service *** *** *** *** *** 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 applied or a *** credit card in 2015, in June of I paid off the credit card, and subsequently canceled the credit card, due to inaccurate payment practices (saying I owed money to them, when I never got a bill, and had just made a payment) Today, upon applying for a personal loan, my bank stated that this company has a report of money owed to them Upon calling the company, they confirmed that my account was indeed paid in full, and has had no activity since When I inquired on how to rectify my credit report, they stated that I needed to contact each credit bureau (Equifax, Esperian, and TransUnion) personally, and request the adjustment When I spoke to the credit bureaus, they each told me that I needed to speak directly to Credit First and have them take off the negative (erroneous) report Upon my 3rd call to Credit First, I again got the same scripted explanation, and demanded to speak with a supervisor It was only after speaking with her for nearly m
I’ve called them three months in a row to try to work with them on my credit account told them no I don’t have the money to pay it all but I can make reasonable payment and they still are fails to work with me! But I guess they don’t appreciate my business !
I did the months no interest deal at firestoneI paid a sixth of it at the storeFor my first bill I divided payments so I would have it paid off in monthsI mailed it with PLENTY of time to get the billing addressThey waited days to cash the check then added a $late fee to my billThere are numerous complaints with this tactic on the Revdex.com website against CFNAI went to their website and scheduled to have the entire balance paid off tomorrow because I'm not going to play this gameCould not call customer service because they are closed right nowI will probably call tomorrowNow they have hurt my credit because they are being dishonorable and greedyI have excellent credit and they are negatively affecting it with their shady business practices
CFNA place in my credit report delinquency and fail to pay my bill I never received from CFNA an email or a letter that my bill past due I ended up knowing about the issues through the State of Colorado Credit Consumer Protection Bureau As soon as I was aware of the past due, it took me three days for a customer service personal to answer my call; once they answer I payed the bill with interest and late fees; I then asked why didn't I received an email like my other banks that I have where they send a reminders of a payment due There no satisfied responds from CFNA I then sent a formal letter to customer service to have those delinquent and late payments remove from my credit report, the request was denied
I had been in and out of the hospital since July and was unable to make a payment, I called the number on the back of my credit card and it only goes to an automated system, so I called the number on my statement and it also goes to the same automated system, I finally go back to work in Oct, and I am late on most of my bills do to no income, I contacted all my other creditors and they worked with me, and then Credit First calls me personally and I tell them my story and tell them I had been trying to call them and it only goes to an automated system, they were unwilling to work with me, I was trying to get a couple of late fees taken off since I was unable to contact then and they are just not willing to work with me and since they are a creditor they should have a phone number that someone can contact them directly but they don't All I am asking for is to have them work with me on payments and at least give me credit for a couple of late fees since I was not able to contact them, b
My starting balance was $I have paid regularly, and on time (or so I thought)
I am currently reviewing all billing statements (in total)I have noticed several added charges, vaguely labeled "Fees charged"
Two statements state "Fees charged + $19.00" Another statement states "Fees charged + $21.00."
Additionally, on my current billing statement, I have been charged the MASSIVE amount of "Interest charged + $57.67"
I am currently on hold, after calling in to speak to a customer service agentWe have had the following conversation:
He says that the "Fees charged" of $and $were actually "Late fees" They are not labeled as "Late" on the billing statement, nor have I ever received correspondence telling me that any payment has been lateThey appear to be charged at random, with NO indication WHATSOEVER that they are penalties for latenessThe agent elaborated that any payment made after 5PM on the 1st of the month is considered "late"I informed him that
For the last three months I have been charged a late fee I go to company website and schedule a payment, for some reason they do not take it out I have emails from them when I make the payment but there is no confirmation number on them I have tried to explain this to the customer service, they will not even consider looking at the emails they sent me saying I have made a payment
The only answer I get is that they say I owe the money and did not make the paymentIf needed I can send you a copy of the emails that were sent to me by CFNA
I inadvertently paid this account in my bill pay which has a zero balance and hasn't been used in months and upon realizing I paid the wrong creditor reached out to my bank to see if the funds could be stopped or pulled back, my bank was very helpful and reached out to CFNA who requested a letter from my bank that the funds cleared my account and would not be returned, my bank obliged and sent letterI called CFNA days later and they said the letter wasn't signed, I called my bank back and they sent something else, I was told by CFNA that this time is wasn't what they neededSo I called a 3rd time and he pulled the 1st letter that was sent, signed and faxed it back and again being told this isn't sufficientThis was electronically paid from my account so if the funds weren't in my account my bank wouldn't have paid them and there is no way it can be returned as it isn't a checkCFNA is giving me the run around and will not return my funds until after 30-days which is totally unacceptable since this account has no balance and hasn't been used and they have been verbally told by my bank as well as the fax that the funds cleared electronicallyI also will add I held minutes to get a live person on the phone with CFNAThey obviously don't care about providing good customer experience!
I was offered Credit Card form the First Credit National Association, at the local ***, 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
Went for years without any late payments on the account on my credit, all of a sudden it hit my creditI asked the lender if they could remove the negative trade line, they said it was accurateI might have had or late payments but they said I know I sent out payments online that were received as late, I sent the payments the same day or a day before the due date onlineI am not the only one who has had the same issue it's on the company's review
For a period of the last months, I have been using *** to pay my CFNA account with, along with my *** *** credit cards, my *** Credit account *** Financial and several other accts CFNA informed me when I tried to pay my bill, that they no longer accept *** and I would have to find another way to pay my account
I do not feel that they should be able to tell me who to bank with As long as they are getting their money, what business is it of theirs WHO I choose to do business with? They have threatened to turn my account over to collections, even though the payment isn't late, nor has it EVER been late! Just because I won't switch to another bank that'll charge me dollar overdraft fees and dollar per day fees if I can't cover it until my direct deposit posts I'll NOT be BULLIED into changing banks by CFNA or anybody else!
If you can possibly avoid it, DO NOT USE THIS COMPANY They make it as difficult as possible for the consumer You CANNOT set up an automatic payment--as is possible with every other credit account I have--in order not to lose the promotion by accidentally paying late or not at all Then they can hit you with a fee, which will cancel out any financial advantage you may have gleaned from the six-month, interest-free promotion (This is what just happened to me.) They dangle the promotion like a juicy piece of meat in order to make their money on fees and exorbitant credit percentages Then they cut customer service to a minimum in order to increase profitsFor example, I just attempted to call them (online chat is NOT available on their website) but was never given an option to speak to a representative I pushed zero anyway, and was transferred to wait in line for a rep Then I received a recording that they were experiencing heavy call volume (probably always because of their unfair practices and low functionality of their website) and that I could push "2" to receive a call back, otherwise my wait time was unknown I'm still waiting for that call When I reach them some day in the vague future, I will ask them to waive a $fee I incurred because they are the only debtor that does not offer auto pay I don't expect a wonderful response
SCAMMERSSent Me an 'opt out' form for the state of Caso that my personal information won't be passed on to affiliates or used for marketingAs soon as I called the number to opt out they ask me for my "card number"Well, first of all - there is NO credit card named on this - no account number that is MINE that I"m dealing withHOW DO I KNOW which credit card(s) they handle? What is my account number? So then I try to go to the "customer service number" online - EVERY SINGLE NUMBER did not get me a person - calling within their business hours ALL DAY LONG, they say they are closedThen I called back and tried every single number for help on their menu - every single one answered that they are closedSCAMSCAMSCAM But - hey - they sent me an "opt out" form for california - its not MY fault that I have no idea what account they are talking about - this way they can use all my info for their own benefit and not be hit with class action lawsuit(s)
I cannot get a VALoan because CFNA is putting this horrendous, horrifying, and horrific miscarriage of justice on my credit fileThis is 100% identity theft and Credit First N.Ais pushing this negative narrativePlease protect me from these banditsIt is all about their BOTTOM LINE
m of the Earth
CFNA sole propose is to ruin my life and my family’s livesThis company is preventing me from getting my V.Aloan that I rightly deserve in defending my country I dearly loveEach time Equifax remove this item CFNA puts it back on my credit reportThey are trying to collect a debt that is not owed, fraudulent, and it should not be reported it to my credit fileI have a police report! As a Veteran who fought for this country, and a Gold Star Family Member they are treating me like the s
Please help protect me against these atrocious, and unspeakable parasites of a companyPlease help!
I had my car serviced at *** * *** located on *** *** 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/
I never received a statement form this credit card company that operates for Firestone they say that they sent it electronically but I don't recall signing up electronicallyThe only reason I noticed it was late is that I checked my credit reportThey never called or mailed me anythingI paid the account in full and now they are refusing to work with me on the derogatory credit reportingI de-enrolled in electronic statements and now every time I log in online it reminds me to sign up in a way that it seems like you cannot move forward
I have been trying to address an issue with this incompetent company since 8/3/2017, and due to their negligence and incompetence in responding or reading my requests they are fraudulently charging me feesBased on other complaints, I assume this is a practice they think they can get away with me, but not happening with meOn 8/I emailed them stating my minimum payment was incorrect, gave them an opportunity to address it and fix itThey did not respond in a reasonable amount of time, so I made my correct min payment of dollars on 8/3/my DUE date for my cardA month goes by and now its 9/and the bill is due again, I emailed them and advised the amount was still incorrect and apparently they tacked on TWO late fees of dollars a piece, meanwhile my bill was never late and they wanted dollars when I owed I gave them another chance to adjust and correct the billI advised them I had to make a payment and I was not going to charged for late fees on a bill that wa
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 received a bill for my Firestone account that does not belong to me I contacted Credit First on Mayand spoke to Joshua at customer service He gave me phone number for the store where the bill originated and gave me a phone number to call them I spoke to Adam at that location on the same date He is in Dartmouth, MA He told me I would have to call customer service back and ask them to start a fraud investigation On 5/I finally reached customer service again and spoke to Laurel She told me she would enter my statement of refuted charge and it would be forwarded to the refute department who would contact me This is May and I have not heard from anyone I again contacted customer service and spoke to Shannon and was told he sees no updates and transferred me to the refute department The refute department was answered with an auto message saying the party was not available and they terminated the call
The charge to my account was made for and was made in M
I have an account with CFNA, and they service *** *** *** *** *** 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 applied or a *** credit card in 2015, in June of I paid off the credit card, and subsequently canceled the credit card, due to inaccurate payment practices (saying I owed money to them, when I never got a bill, and had just made a payment) Today, upon applying for a personal loan, my bank stated that this company has a report of money owed to them Upon calling the company, they confirmed that my account was indeed paid in full, and has had no activity since When I inquired on how to rectify my credit report, they stated that I needed to contact each credit bureau (Equifax, Esperian, and TransUnion) personally, and request the adjustment When I spoke to the credit bureaus, they each told me that I needed to speak directly to Credit First and have them take off the negative (erroneous) report Upon my 3rd call to Credit First, I again got the same scripted explanation, and demanded to speak with a supervisor It was only after speaking with her for nearly m
I’ve called them three months in a row to try to work with them on my credit account told them no I don’t have the money to pay it all but I can make reasonable payment and they still are fails to work with me! But I guess they don’t appreciate my business !
I did the months no interest deal at firestoneI paid a sixth of it at the storeFor my first bill I divided payments so I would have it paid off in monthsI mailed it with PLENTY of time to get the billing addressThey waited days to cash the check then added a $late fee to my billThere are numerous complaints with this tactic on the Revdex.com website against CFNAI went to their website and scheduled to have the entire balance paid off tomorrow because I'm not going to play this gameCould not call customer service because they are closed right nowI will probably call tomorrowNow they have hurt my credit because they are being dishonorable and greedyI have excellent credit and they are negatively affecting it with their shady business practices
CFNA place in my credit report delinquency and fail to pay my bill I never received from CFNA an email or a letter that my bill past due I ended up knowing about the issues through the State of Colorado Credit Consumer Protection Bureau As soon as I was aware of the past due, it took me three days for a customer service personal to answer my call; once they answer I payed the bill with interest and late fees; I then asked why didn't I received an email like my other banks that I have where they send a reminders of a payment due There no satisfied responds from CFNA I then sent a formal letter to customer service to have those delinquent and late payments remove from my credit report, the request was denied
I had been in and out of the hospital since July and was unable to make a payment, I called the number on the back of my credit card and it only goes to an automated system, so I called the number on my statement and it also goes to the same automated system, I finally go back to work in Oct, and I am late on most of my bills do to no income, I contacted all my other creditors and they worked with me, and then Credit First calls me personally and I tell them my story and tell them I had been trying to call them and it only goes to an automated system, they were unwilling to work with me, I was trying to get a couple of late fees taken off since I was unable to contact then and they are just not willing to work with me and since they are a creditor they should have a phone number that someone can contact them directly but they don't All I am asking for is to have them work with me on payments and at least give me credit for a couple of late fees since I was not able to contact them, b
My starting balance was $I have paid regularly, and on time (or so I thought)
I am currently reviewing all billing statements (in total)I have noticed several added charges, vaguely labeled "Fees charged"
Two statements state "Fees charged + $19.00" Another statement states "Fees charged + $21.00."
Additionally, on my current billing statement, I have been charged the MASSIVE amount of "Interest charged + $57.67"
I am currently on hold, after calling in to speak to a customer service agentWe have had the following conversation:
He says that the "Fees charged" of $and $were actually "Late fees" They are not labeled as "Late" on the billing statement, nor have I ever received correspondence telling me that any payment has been lateThey appear to be charged at random, with NO indication WHATSOEVER that they are penalties for latenessThe agent elaborated that any payment made after 5PM on the 1st of the month is considered "late"I informed him that
For the last three months I have been charged a late fee I go to company website and schedule a payment, for some reason they do not take it out I have emails from them when I make the payment but there is no confirmation number on them I have tried to explain this to the customer service, they will not even consider looking at the emails they sent me saying I have made a payment
The only answer I get is that they say I owe the money and did not make the paymentIf needed I can send you a copy of the emails that were sent to me by CFNA
I inadvertently paid this account in my bill pay which has a zero balance and hasn't been used in months and upon realizing I paid the wrong creditor reached out to my bank to see if the funds could be stopped or pulled back, my bank was very helpful and reached out to CFNA who requested a letter from my bank that the funds cleared my account and would not be returned, my bank obliged and sent letterI called CFNA days later and they said the letter wasn't signed, I called my bank back and they sent something else, I was told by CFNA that this time is wasn't what they neededSo I called a 3rd time and he pulled the 1st letter that was sent, signed and faxed it back and again being told this isn't sufficientThis was electronically paid from my account so if the funds weren't in my account my bank wouldn't have paid them and there is no way it can be returned as it isn't a checkCFNA is giving me the run around and will not return my funds until after 30-days which is totally unacceptable since this account has no balance and hasn't been used and they have been verbally told by my bank as well as the fax that the funds cleared electronicallyI also will add I held minutes to get a live person on the phone with CFNAThey obviously don't care about providing good customer experience!
I was offered Credit Card form the First Credit National Association, at the local ***, 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
Went for years without any late payments on the account on my credit, all of a sudden it hit my creditI asked the lender if they could remove the negative trade line, they said it was accurateI might have had or late payments but they said I know I sent out payments online that were received as late, I sent the payments the same day or a day before the due date onlineI am not the only one who has had the same issue it's on the company's review
For a period of the last months, I have been using *** to pay my CFNA account with, along with my *** *** credit cards, my *** Credit account *** Financial and several other accts CFNA informed me when I tried to pay my bill, that they no longer accept *** and I would have to find another way to pay my account
I do not feel that they should be able to tell me who to bank with As long as they are getting their money, what business is it of theirs WHO I choose to do business with? They have threatened to turn my account over to collections, even though the payment isn't late, nor has it EVER been late! Just because I won't switch to another bank that'll charge me dollar overdraft fees and dollar per day fees if I can't cover it until my direct deposit posts I'll NOT be BULLIED into changing banks by CFNA or anybody else!