Credit First National Association

Tell us why hereDear Rhonda W [redacted] Thank you for forwarding the complaint filed by [redacted] Our records reflect the above credit card was opened March 23, 2011, with the last purchase recorded on May 23, Ultimately, this account charged-off due to non-payment on June 27, with an outstanding balance of $A proposal of 45% (409.73) of the balance due was accepted as payment in full and received on February 9, A review of our records confirms that this account is being reported with a zero balancePlease understand that it can take a period of time to update records with the credit bureausAn additional request was submitted to the credit reporting agencies today via Automated Universal Data Form (AUD) to ensure the correct information is being reportedA copy of that correspondence is enclosed for your recordsShould MsB [redacted] continue to experience issues related to reporting of this account, we encourage her to contact us directly at 1-877-888-for assistanceSincerely, Denise D [redacted] | Credit OperationsCredit First National Association1-800-321- Enclosure

(The following was copy/paste by Revdex.com staff - ***)***January 22, Revdex.com, Inc [redacted] -Dispute Resolution Specialist Euclid Avenue, 4th Floor Cleveland, OH 44115-Re: [redacted] Complete Auto Care Account in the name of [redacted] *** [redacted] Dear [redacted] : This letter is in response to your letter dated January 22, 2017, in regards to a complaint submitted by [redacted] ***A late fee in the amount of $was assessed because the full minimum payment was not received by her due date of January 5, We have processed a credit to [redacted] ***' account in the amount of $for the late payment fee assessed as a courtesy, as it is not our policy to write off late fees [redacted] will be responsible for future feesOur records indicate that [redacted] made her payment via checkWhen mailing check payments, it can take up to 7-business days for us to receiveHolidays may create a delayIn addition, [redacted] may make conforming payments via our website at www.CFNA.com, or with our automatic telephone service with no additional feeShe can also speak directly with our Customer Service DepartmentTo contact us for a phone payment either using the automatic system or a representative, please call 800-321-We are available Monday through Friday from 8:a.mto 9:p.mand Saturday from 9:a.mto 5:p.m., ETPlease be advised that at this time there is no negative reporting being sent to the credit bureaus in regards to [redacted] ***' accountWe appreciate this opportunity to be of serviceSincerely, Amanda C [redacted] Customer Service

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

CreditFirst NATIONAL ASSOCIATION P.OBox I Cleveland, Ohio 44181-I www.CFNA.com July 28, Revdex.com [redacted] -Dispute Resolution Specialist Euclid Avenue, 4th Floor Cleveland, OH 44115-Re: Firestone Complete Auto Care Account in the name of [redacted] Dear [redacted] : This letter is in response to your letter dated July 28, in regards to a complaint submitted by [redacted] Credit First National Association received a phone call from [redacted] on November 14, requesting that his account be closed due to the late payment on his accountAt that time we did advise [redacted] that we were unable to correct any payment history on his account [redacted] was advised that his account went days past due on October Per his request, his account was closed on November 16, [redacted] was advised that in order to investigate his claim of inaccurate information being reported, he would need to send a written letter advising of the dates in question and why his account went past dueAs of today's date we have not received this informationIf [redacted] would like to dispute the rating he may send the above listed information to the address listed belowCredit First National Association BK11/Customer Service PO Box Cleveland, OH 44181-We have included a copy of [redacted] 's payment historyWe appreciate this opportunity to be of serviceSincerely, Angela C [redacted] Customer Service Customer Service Department, BK I Phone: I Fax: I www.CFNA.com

Reference: [redacted] Dear [redacted] : Thank you for forwarding the complaint [redacted] filed by [redacted] *** Our records indicate that a paper billing statement was mailed to [redacted] on January 13, [redacted] then elected to receive electronic notificationsEmail notifications went to the email address provided on February 16, and March 16, 2015, alerting [redacted] that his [redacted] statements were ready to be viewedThese notifications were sent to the same email address ( [redacted] ) as his complaint submitted with your office These notifications were NOT returned as undeliverableAt his request, [redacted] was reverted back to paper statements per his email request on March 20, We have not received any returned postal mail on [redacted] ***'s account A copy of the Customers Statements Log and Estatement Log have both been included for your information We apologize if there was some misunderstanding regarding the six month terms agreementAs of this time, [redacted] has had no interest charges added to his account Previously, [redacted] was given a Late Payment Fee Credit of $Since then his account was assessed another $feeAs a courtesy, I have removed this $late payment feeI have also corrected the pay history on the account and this will be reflected on his Credit Bureau Report A paper billing statement was mailed out to [redacted] ***'s home address on April 13, His complaint was submitted April 16, 2015, so he likely would not have received it yetI have included a duplicate copy of his April statement per his requestPlease be advised the balance on this billing statement reflects the $fee which has now been removed, as stated above I have confirmed that [redacted] ***'s online account is unlocked There is a link under the login window to assist with retrieving user name and password information Should further assistance be required, [redacted] is welcome to call the customer service line, at 1-800- [redacted] I hope this information has been beneficial and will satisfactorily resolve this matter Sincerely, [redacted] Credit First National Association 1-800- [redacted] cc: [redacted] enclosures: Customer statement log Estatement log Duplicate copy April billing statement

______________________________________________________________________ [redacted] *** [redacted] July 31, Nicole [redacted] Dispute Resolution Specialist Euclid Ave, 4th FlCleveland, OH 44115- Reference: [redacted] [redacted] Dear Nicole [redacted] : Thank you for forwarding the above mentioned complaint file by [redacted] As shown on the attached Account Information Report, payments were applied as receivedReview of the account not only reveals missed payments, but payments not equal to or greater than the minimum amount due as shown on MrC [redacted] ’s monthly statements Ultimately, this account charged off due to non-payment on September 25, 2016, with an outstanding balance of $Although a payment of $was posted to the account on July 25, 2017, an outstanding balance of $remains Payment of a charged-off account does not change the previous report reflecting the manner in which the account was paidUnfortunately, we are unable to accommodate the request to alter the trade lineHowever, if MrC [redacted] wishes to pay the outstanding balance, we will report the account as charged-off, paid in full If there are any additional questions or concerns regarding this account or the enclosed information, please contact our office directly at [redacted] for assistanceWe are available Monday through Friday 8:AM to 4:PM, EST Sincerely, Lisa G [redacted] | Credit Operations Credit First National Association [redacted]

From: [redacted] Date: Tue, Aug 11, at 1:PMSubject: Re: Complaint against Credit First National AssociationID [redacted] To: [redacted] ***,Today, I spoke with Alex K [redacted] , Head of Operations from Credist First (For Firestone)He was very nice, understanding, and non-judgmentalWe both came to a fair and reasonable payment arrangement for months until the end of OctoberHe would reach out back to me by thenHis number is [redacted] .I will pay $by the 18th of this month and $by 18th of September and OctoberI told him if I can't pay the $by then, he told me just call himBut he was very fair unlike those two other females I spoke with (Robin and Rochelle).My complaint is now resolved.Thanks! [redacted]

______________________________________________________________________ [redacted] *** [redacted] August 29, Nicole [redacted] Dispute Resolution Specialist Euclid Ave, 4th FlCleveland, OH 44115- Reference: [redacted] [redacted] Dear Nicole [redacted] Thank you for forwarding the above mentioned complaint file by Kevin C [redacted] Our records confirm the above [redacted] credit card was opened on October 17, 2011, with the last purchase recorded June 17, Ultimately, this account was charged-off due to non-payment on September 25, 2016, with an outstanding balance of $Although a payment of $was posted to the account on July 25, 2017, the residual balance of $has been cleared in the interest of customer goodwill We have enclosed a copy of the application that opened this account; the information provided was verified at the time it was openedA copy of the credit application, sales invoice from the June 17, purchase, the last billing statement dated August 25, 2017, as well as an account itemization report displaying all activity since the account’s inception, have been enclosed for your reference If MrC [redacted] feels his account has not been properly credited for a payment, we request he provide documentation in order for us to research the paymentIf the payment was made by money order, it must be traced through the place of purchase If there are any additional questions or concerns regarding this account or the enclosed information, please contact our office directly at [redacted] for assistanceWe are available Monday through Friday 8:AM to 4:PM, EST Sincerely, Lisa G [redacted] Credit Operations Credit First National Association [redacted]

October 2, 2015Revdex.com, Inc[redacted] – Dispute Resolution SpecialistEuclid Avenue, 4th FloorCleveland, OH 44115-2408Re: [redacted] Account in the name of [redacted] ID: [redacted] Dear [redacted] :This letter is in response to your letter dated September 30, in regard to [redacted] ’s [redacted] credit card.Our records indicate that this account was opened directly at [redacted] on March 31, When an account is opened at the store, the store will require the customer’s drivers license for identification [redacted] states that the store typed in her name as it was on the license This is correct, it is Company procedure This information will then be called into our Credit Authorization Department for credit approval At that time, the credit bureau also had her name as [redacted] and that is how her account was opened[redacted] can change her name with us at any time by remitting the proper identification to our Customer Service Department We require a copy of her legal court document, marriage certificate/divorce certificate, or a letter from her attorney indicating a legal name change with a copy of her driver’s license.We apologize for the inconvenience this may have caused [redacted] , however, the documentation is required for proof of identity so that we may safeguard all of our customer’s identification We hope that the above information meets with your satisfaction.Sincerely,Mary [redacted] K [redacted] Mary [redacted] K [redacted] | Customer Service SpecialistCredit First National AssociationEastland Road, Brook Park, Ohio [redacted] [redacted]

BK-/ Credit Operations PO Box Cleveland, Ohio 44181- August 14, [redacted] , Dispute Resolution Specialist Revdex.com, IncEuclid Ave., 4th FlCleveland, OH Reference: CFNA / [redacted] Revdex.com Complaint ID [redacted] Dear [redacted] : Thank you for providing the response from [redacted] concerning our letter dated July 10, We are in receipt of the third party invoice and appreciate [redacted] providing the additional information According to the invoice supplied by [redacted] , a refund of $was issued by [redacted] on October 18, 2016, to make him whole for the additional work performed on his vehicle by [redacted] on October 14, [redacted] ’s Consumer Affairs case (# [redacted] ) was closed before his account cycle reported to the credit reporting agencies; therefore the dispute coding was applied and removed during the same billing cycleCFNA has since coded the account in dispute, per the customer’s request We have removed all fees previously assessed and reinstated [redacted] ’s balance to $The pay history has been corrected and electronic notification has been sent to the credit reporting agencies to update their files, removing any negative informationThe email [redacted] received on August 10, 2017, confirming this information, as well as a copy of the Automated Universal Data form, are attached for review We hope this information satisfactorily addresses the concerns stated in the above complaintIf there are additional questions, please contact our office at the number below for assistanceWe are available Monday through Friday from 8:a.mto 4:p.m., Eastern Standard Time Sincerely, Denise D [redacted] | Credit Operations Credit First National Association 1-800-321-x Enclosures

January 8, Revdex.com, Inc [redacted] Dispute Resolution Specialist Euclid Avenue, 4th Floor Cleveland, OH 44115-Re: [redacted] Account in the name of [redacted] ID: [redacted] Dear [redacted] This letter is in response to your letter dated January 8, in regard to a complaint submitted by [redacted] We have reviewed [redacted] 's complaintOur records show that [redacted] 's account went past due for her due dates of July 20, August 20, September 20, October 20, and November 20, As a courtesy, we issued the following adjustments: $for the late payment fee assessed in July and in December we processed a one month payment adjustment on [redacted] 's accountThis adjustment prevented another late payment fee from being assessed to her accountAfter researching [redacted] 's account it has been determined that no further credits will be given for the late payment fees assessed Per the terms on [redacted] 's account she is required to pay the full minimum payment due each month by her payment due dateWe hope that the above information meets with your satisfactionSincerely, Angela C [redacted] I Customer Service Specialist

September 11, Revdex.com, Inc [redacted] — Dispute Resolution Specialist Euclid Avenue, 4th Floor Cleveland, OH 44115-P.OBox I Cleveland, Ohio 44181-I www.CFNA.com Re: [redacted] Auto Care Account in the name of [redacted] Joint Liable User in the name of [redacted] ID: [redacted] Dear [redacted] : This letter is in response to your letter regarding the additional information received in regard to the above [redacted] credit card [redacted] did request his check returned to himAs advised in our first response to you dated August 21, 2015, "As of May accountholders do not have the option to opt out of electronic payment processing of check payments by CFNAThe back of the statement advises "When you send us payment by check, you authorize us to present your check electronicallyYour checking account may be debited on the day we receive your checkThis electronic transaction will appear on your bank statement although your cancelled check will not be returned to you"Due to this, we are unable to return the check to him, but we have sent a copy per his request [redacted] ***'s complaint that CFNA charged a late payment fee to his other account out of retaliation is inaccurateHe states that he made a payment to his account on August 18, to his [redacted] e accountOur records do not show a payment made on this dateAn internet payment was made via CFNA.com on August 24, in the amount of $The payment was due August 18, and a late payment fee was assessed in the amount of $ [redacted] contacted Customer Service by telephone and spoke directly to a supervisor on August 24, He stated that he thought he made a payment on August 18, and requested that we remove the late payment feeThe supervisor credited his account the late payment fee of $at that timeAs previously advised in our September 1, letter to your office, we closed his account on August 24, On September 10, 2015, [redacted] reopened this account by going to the [redacted] e store and showing identificationAt that time, the account was reopenedAs of today's date, we have closed the account and it will remain closedWe hope that the above information meets with your satisfactionSincerely Mary Ann K [redacted] I Customer Service Specialist Credit First National Association Eastland Road, Brook Park, Ohio

March 31, Revdex.com, Inc [redacted] — Trade Assistant Euclid Avenue, 4th Floor Cleveland, OH 44115-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, in regards to a complaint submitted by [redacted] L [redacted] We have reviewed Ms [redacted] 's complaintPer the terms on Ms [redacted] account, refunds will be issued within days per the customer's requestWe truly do apologize for any miscommunication that was made when Ms [redacted] called on March 28, We show that Ms [redacted] was advised that she would receive her refund check within to business daysWe issued a reversal of funds in the amount of $back in to Ms [redacted] 's checking account on March 30, This process can take up to business hours to fully processWe hope that the above information meets with your satisfactionSincerely, Angela Corp I Customer Service Specialist Credit First National Association Eastland Road, Brook Park, Ohio P: F:

I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below Regards, [redacted] The company retaliated because I filed a Revdex.com report against them to settle all parties should resume all accounts as that will be enough for settlement for meAll the accounts have always been paid on time no late payments all the accounts have always been paid up to date there was no reason for this company to retaliate and close accounts and as for the credit reporting agency goThe credit reporting act requires every company only to report open accounts not closed accountsThe business is with [redacted] not credit card companyThis company is very demanding very unfair

Revdex.com, Inc[redacted] – Dispute Resolution SpecialistEuclid Avenue, 4th FloorCleveland, OH 44115-2408Re: Account in the name of [redacted] ID: [redacted] Dear [redacted] :This letter is in response to your letter dated February 3, in regard to [redacted] Complete Auto Care credit card.On November 9, 2015, Mr [redacted] contacted CFNA to refute a charge made to his [redacted] Complete Auto Care credit card on March 23, in the amount of $and a security flag was placed on Mr [redacted] ’s account to prevent any future unauthorized purchases and an investigation was initiated.On November 16, 2016, the investigation was complete and a letter was sent to Mr [redacted] explaining a sale must be refuted within two (2) billing cycles of the error Furthermore, the letter also explained that by making numerous payments, the consumer acknowledges the debt.Additionally, on January 19, 2016, per Mr [redacted] ’s request, our office cancelled his [redacted] Complete Auto Care credit card, and negotiated a term, if payment in full was made on the original sale totaling $50.24, all interest and late fees in the amount of $would be deducted from his account Mr [redacted] agreed to the resolution and made payment of $50.24, and fees totaling $were removed.We hope that the above information meets with your satisfaction.Sincerely,CLW***CLW [redacted] | Customer Service SpecialistCredit First National AssociationEastland Road, Brook Park, Ohio 44142P: F:

(The following was copy/paste by Revdex.com staff - ***)***December 19, Revdex.com, Inc [redacted] -Dispute Resolution Specialist Euclid Avenue, 4th Floor Cleveland, OH 44115-Re: [redacted] Complete Auto Care Account in the name of [redacted] ID: [redacted] Dear [redacted] : This letter is in response to your letter dated December 19, 2017, in regards to a complaint submitted by [redacted] Our credit card agreement advises that payments must be processed to accounts by 5:p.m., ET on or before the due date [redacted] made his payment after the cutoff time, and therefore a late fee in the amount of $was assessed to [redacted] ' accountThe late fee assessment is automated, and therefore, we are unable to stop a late payment fee from being added to the account once the cutoff time is missedHowever, because of [redacted] ' difficulties in making his payment, we have agreed, as a goodwill gesture, to process a $late fee credit to [redacted] ' account, which will reflect on his upcoming December billing statementPlease be advised that [redacted] will be responsible for future fees and this will be the final adjustment made to his accountIn regards to [redacted] ' claim regarding the service at his local [redacted] Complete Auto Care store, he may contact the [redacted] Tire and Service Centers' Consumer Affairs Department for product and service complaints at the address below: Bridgestone Retail Operations PO Box Bloomingdale, IL Phone: 800-367-We appreciate this opportunity to be of serviceSincerely, Amanda C [redacted] Customer Service

CreditFirst NATIONAL ASSOCIATION September 18, Revdex.com, Inc [redacted] -Dispute Resolution Specialist Euclid Avenue, 4th Floor Cleveland, OH 44115-P.OBox I Cleveland, Ohio 44181-I www.CFNA.com Re: Firestone Complete Auto Care Account in the name of Anthony FDavis ID: Dear [redacted] This letter is in response to your letter dated September 13, in regards to a complaint submitted by [redacted] ***Our records do not show that [redacted] contacted us in the month of July or August regarding the recent sale on his account in the amount of $made on August 7, We show that the last time [redacted] contact us was in March As of today's date we show a balance owed in the amount of $If [redacted] does not believe that the sale is his he may contact our Customer Service Department at 800-321-to file a refute claimWe have included a copy of the service invoice for this purchase [redacted] ***'s account does not show a credit balance in the amount of $However, we did issue a refund in the amount of $on April 21, due to an over paymentWe appreciate this opportunity to be of serviceSincerely, an &Iv Customer Service Customer Service Department, BK I Phone: I Fax: I www.CFNA.com

February 29, 2016Revdex.com, Inc[redacted] -Dispute Resolution SpecialistEuclid Avenue, 4th FloorCleveland, OH 44115-2408Re: [redacted] Account in the name of [redacted] ID: [redacted] Dear [redacted] :This letter is in response to your letter dated February 29, in regard to a complaint submitted by [redacted] .We have reviewed Ms [redacted] ’s complaint regarding a late payment fee which was assessed on November 14, A $late payment fee was assessed because we did not receive a minimum payment by the November 13, due dateMs [redacted] contacted our Customer Service Department on December 12, regarding the late payment fee and a representative agreed to remove the fee as a courtesyUnfortunately the processing of the adjustment was overlooked in errorMs [redacted] contacted our Customer Service Department again on February 27, and a credit was processed in the amount of $toward the late payment fee and interest charges assessedThe past due payment history on the account was corrected and we are in the process of updating this status change with the three national credit reporting agenciesMs [redacted] ’s account will reflect a zero balance within two business daysWe hope the above information meets with your satisfaction.Sincerely,Christine K***Christine K [redacted] | Customer Service SpecialistCredit First National AssociationEastland Road, Brook Park, Ohio 44142P: F:

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]

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] ***