Credit First National Association

October 6, 2015Revdex.com, Inc.[redacted] – Dispute Resolution Specialist2800 Euclid Avenue, 4th FloorCleveland, OH 44115-2408Re:  [redacted]e Account in the name of [redacted]ID:   [redacted]     Dear [redacted]:This letter is in...

response to your letter dated October 5, 2015 in regard to [redacted]’s [redacted] credit card.I contacted [redacted] by telephone this morning to review with him his experience while attempting to register his credit card online at CFNA.com.   I asked his permission to attempt to register his information myself.  The attempted registration did go through, so I did not complete the entire registration and asked him if he could attempt while I stayed on the phone with him.[redacted] completed his registration and while I was on the phone he also completed several online payments for his account.We apologize for the previous difficulties he experienced with the website, however, I am unable to advise exactly what was incorrect when he continued to receive the error messages that he had received.We hope that this is now satisfactory with [redacted], we would like to retain him as a satisfied customer.Sincerely,Mary [redacted] K[redacted]Mary [redacted] K[redacted] | Customer Service SpecialistCredit First National Association6275 Eastland Road, Brook Park, Ohio 44142[redacted]  [redacted]

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]

BK-16 / Credit Operations PO Box 81410 Cleveland, Ohio  44181-0410   July 31, 2017     [redacted], Dispute Resolution Specialist 2800 Euclid Ave, 4th Fl. Cleveland, OH 44115-2408     Reference:  CFNA / [redacted]...

                        Revdex.com Complaint ID #[redacted]     Dear [redacted]:   Thank you for forwarding the above mentioned complaint filed by [redacted].   Our records confirm the above [redacted] credit card was opened on November 10, 2011, with the last purchase recorded on November 10, 2011. As requested, we have enclosed a copy of the signed application that opened this account. We have confirmed that the vehicle repaired  was registered to [redacted] at the time of service. A duplicate copy of the sales invoice has been enclosed for your review.   Ultimately, this account charged-off due to non-payment on June 15, 2013, with an outstanding balance of $922.06. An account itemization report reflecting all activity from account inception has been attached.   Based on the above information, our reporting of this account is an accurate portrayal of the manner in which the account was paid; therefore, we are unable to comply with [redacted]’s request to remove the trade line. However, we encourage [redacted] to contact us regarding the outstanding balance.     If there are any additional questions or concerns regarding this account or the enclosed information, please contact our office directly at [redacted] for assistance. We are available Monday through Friday 8:00 AM to 4:30 PM, EST.       Sincerely,     Lisa G[redacted] | Credit Operations Credit First National Association [redacted]

Revdex.com:I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.  Regards, [redacted]

February 10, 2016 Revdex.com, Inc.[redacted]-Dispute Resolution Specialist2800 Euclid Avenue, 4th FloorCleveland, OH 44115-2408Re: Tires Plus Account in the name of [redacted]ID: [redacted]  Dear [redacted]:This letter is in response to your letter dated February 10,...

2016 in regard to a complaint submitted by [redacted].We have reviewed Mr. [redacted]’s complaint stating that he did not receive statements. Our records indicate that statements were mailed to Mr. [redacted]’s home address for the months of August through December, 2015. Electronic notifications were sent to his email address for January and February, 2016 as shown below.   In addition, Mr. [redacted] contacted our Customer Service Department by telephone on October 16, 2015, November 4, 2015, and November 16, 2015, and by email on December 24, 2015.Late payment fees in the amount of $19.00 and $35.00 each were assessed to the account because the full minimum payments were not received by the following due dates; October 3, 2015,  November 3, 2015, December 3, 2015, as well as the January 3, 2016 due date. These late payment fees were billed correctly and the account balance is the responsibility of Mr. [redacted]. Interest charges in the amount of $48.48 were assessed to Mr. [redacted]’s account due to nonpayment of the Six Month Purchase by the due date. Interest charges are calculated on the Average Daily Balance from the date of purchase and are added to the account if we do not receive the exact Six Month Payment transaction amount when it is due.  As a courtesy, we have processed a credit in the amount of $48.48 for the interest charges assessed. This credit brought the account balance to zero.We hope the above information meets with your satisfaction.Sincerely,Christine K[redacted]Christine K[redacted] | Customer Service SpecialistCredit First National Association6275 Eastland Road, Brook Park, Ohio 44142P: 800.321.3950  F: 216.362.5069

received company response VIA e-mail as follows: May 12, 2017 P.O. Box 81315 I Cleveland, Ohio 44181-0315 www.CFNA.com Revdex.com, Inc.[redacted]-Dispute Resolution Specialist 2800 Euclid Avenue, 4th Floor Cleveland, OH 44115-2408 Re: Firestone Complete Auto Care...

Account in the name of [redacted] ID: [redacted] 
Dear [redacted]:This letter is in response to your letter dated May 12, 2017 in regards to a complaint submitted by [redacted]. A late payment fee in the amount of $20.00 was assessed to [redacted]'s account because a minimum payment was not received by his due date of April 18, 2017. We have processed a credit to his account in the amount of $20.00 for the late payment fee assessed as a courtesy and this credit will show on [redacted]'s May 23, 2017 statement.Please be advised that [redacted] will be responsible for future fees. Our records show that [redacted]'s account was not reported past due for the month of May 2017 to the credit reporting agencies. We appreciate this opportunity to be of service.Sincerely,Angela C[redacted] Customer Service Department, BK 11 I Phone: 800.321.3950 I Fax: 216.362.5069

CreditFirst  NATIONAL ASSOCIATION November 27, 2017 Revdex.com, Inc. [redacted]-Dispute Resolution Specialist 2800 Euclid Avenue, 4th Floor Cleveland, OH 44115-2408 P.O. Box 81315 I                 ...

                                                                                                      Cleveland, Ohio 44181-0315                                                                                                www.CFNA.com Re: Firestone Complete Auto Care Account in the name of [redacted] ID: [redacted] Dear [redacted]: This letter is in response to your letter dated November 27, 2017, in regards to a complaint submitted by [redacted]. Our records indicate [redacted] processed a payment on October 6, 2017 in the amount of $199.44. On October 13, 2017 the payment was returned as unable to locate. This means the bank account information was incorrect or unrecognizable by [redacted] bank and no payment was made to us by her bank. A statement notification was sent on October 15, 2017 to [redacted] email on file. The statement would reflect the referenced transactions. On November 15, 2017 another statement notification was sent. This statement would have advised [redacted] 
[redacted] that her account was past due. As a result of this payment error, we have agreed, as a goodwill gesture, to process a $35.00 late fee credit and $3.90 interest credit to [redacted] account. Please be advised [redacted] will be responsible for future fees. Our records indicate [redacted] account has a zero balance pending the processing of her payment received on November 21, 2017 in the amount of $199.44. In closing, the rating being reported for the month of November 2017 by CFNA has been cleared, and a new corrected rating has been submitted to her credit bureau. We appreciate this opportunity to be of service. Sincerely, Amanda C[redacted]-Customer Service Customer Service Department,                                                                                                               Phone: 800.321.3950 I Fax: 216.362.50691 www.CFNA.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 find that this resolution is satisfactory to me. 
Regards,
[redacted]

______________________________________________________________________ BK-16 / Credit Operations PO Box 81410 Cleveland, Ohio  44181-0410   October 12, 2017   [redacted], Dispute Resolution Specialist Revdex.com, Inc. 2800 Euclid Ave, 4th Fl. Cleveland, OH 44115-2408...

  Reference:  CFNA / Firestone Account #[redacted]                       Revdex.com / Complaint ID #[redacted] Dear [redacted]:   Thank you for forwarding the above mentioned complaint file by [redacted].   According to our records, the above credit card was opened on March 21, 2008. This account was opened utilizing verifiable information provided by TransUnion records, including [redacted]’ home address, driver’s license number and social security number. As requested, enclosed please find a copy of the signed application for your review.   [redacted]’ last purchase was date August 22, 2009 at which time his driver’s license was verified by the retailer. A duplicate copy of the sales invoice has been enclosed for your review.   Multiple payments and purchase were recorded on this account as evidenced by the attached Account Information Report. Ultimately, this account was charge-off due to non-payment on April 27, 2011.   We have an obligation to our cardholders, as well as the Credit Bureaus and potential lenders, to accurately report each account status and the manner in which it was paid, in relation to our credit card terms. Based on the information verified, our reporting is an accurate portrayal of the manner in which the account was paid.   Regrettably, we cannot comply with the request to remove the trade line. However, if [redacted] wishes to pay the outstanding balance, we will report the account as charged-off, paid in full.        If you have any further questions or concerns, please contact our office directly at 1-877-888-0844 for assistance. We are available Monday through Friday from 8:00 AM to 4:30 PM, EST.   Sincerely,   Lisa G[redacted] | Credit Operations Credit First National Association 1-800-321-1150   Enclosure