Credit First National Association

(The following was copy/paste by Revdex.com staff - LST)***December 8, Revdex.com, Inc [redacted] -Dispute Resolution Specialist Euclid Avenue, 4th Floor Cleveland, OH 44115-Re: Firestone Complete Auto Care Account in the name of [redacted] ID: [redacted] Dear [redacted] : This letter is in response to your letter dated December 5, 2017, in regards to a complaint submitted by [redacted] Please be advised that when [redacted] applied for this account, he signed the application acknowledging our credit card agreementThe credit card agreement advised him of all the conditions to his credit card, including but not limited to: late fees, cut off time, interest, and our time frame to dispute an error on his statementThe terms at this time are: any purchase of $and over will qualify for Months Deferred Interest with Monthly Minimum Payments RequiredAny purchase under the $amount is considered a regular revolving balanceSince [redacted] made his qualifying purchase of $1,on April 1, 2017, each statement following for the next months showed a promotional purchaseThe statement included a "Promotional Balance", "Promotional Due Date", and "Interest Accrued"It is the consumer's responsibility to review his statement each monthPlease be advised we do not offer an automatic payment feature at this time to our customers, but customers are able to pre-schedule payments for up to monthsOur records indicate [redacted] made his payments each month through our website, where he also pre-scheduled his payments for September 4, and October 4, An accrued interest fee in the amount of $was assessed because the promotional balance payoff was not received by October 5, A monthly interest fee in the amount of $was assessed to [redacted] 's account because his balance was not paid in full by November 5, As a courtesy, a $credit has been applied to the account and a refund check has been issuedThis will result in [redacted] having a zero balance pending the processing of his payment received on December 5, in the amount of $1, [redacted] will be responsible for future feesWe 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 data provided does not prove that I received the emailed statementsThey should be able to provide data on whether the emails were opened which would validate their claim that they were sentIn the list provided there are gaps when even they are admitting they did not send a statementFurther more they are still reporting to the credit bureaus that I made a late payment Regards, [redacted]

Hello,This is our answer to the customer regarding reference # [redacted] Please post our answer publiclyThanks for your attention in this matterWe’re sorry to hear you’re not satisfied with your experience at our company; however you left several relevant facts out of your complaint and misrepresented othersFirst, your vehicle was impounded by the police department after it was abandoned on a public streetThis was entirely in your control, not oursYou next abandoned your vehicle at our police storage facility for over half a month, incurring a large storage billAgain, this was entirely in your control, not oursFinally, your vehicle was not towed in error by the police If it was, the police department would have advised us of a mistake and you would not have a towing bill to complain aboutThey advised us there was no mistakeAnd to clarify, the CalifVehicle code defines a highway as a publicly maintained place or way, open to the use of the public for purposes of vehicular travelHighway includes street(360).You were unfortunately quite verbally abusive and unreasonable on the phone, forcing us to end the call several timesTelephone harassment is against the law and we were gracious enough to not report you.You describe your complaint in part as an effort to help protect Seal Beach residents from “heinous and unlawful acts” The truth of the matter is the Seal Beach police are within the law to remove abandoned vehiclesThis benefits Seal Beach residents and their guests by freeing up pubic parking for everyone to useAnd we, in turn, are also following the law regarding your impounded vehicleYou are legally responsible for the towing and storage charges you’ve incurredOf course, if you had picked up your vehicle in a reasonable time frame, the bill would be much lower.Sincerely,Rossmoor Towing

CreditFirst NATIONAL ASSOCIATION August 24, P.OBox I Cleveland, Ohio 44181-I www.CFNA.com Revdex.com, Inc [redacted] — Dispute Resolution Specialist Euclid Avenue, 4th Floor Cleveland, OH 44115-Re: Tires Plus Account in the name of [redacted] D [redacted] ID: [redacted] Dear Ms [redacted] : This letter is in response to your letter dated August 23, in regard to [redacted] 's Tires Plus credit cardThe enclosed printout shows the transactions applied to his account for the period of time in questionThe meanings of the symbols are as follows: CC = is monthly interest charge, also may include late fee, Debt Protection or insurance PIA = is monthly payment amount P/D = is past due amount Balance = is balance of that month's statement (-) = indicates payment or credit A new purchase in the amount of $1,was made on July 11, and was applied to a different accountOn July 29, 2015, we were advised by that accountholder that it was not her purchaseUpon investigation, when we located the correct account, we moved the purchase to Mr [redacted] 's account on September 10, and his first statement was processed on October 5, On December 3, 2015, Mr [redacted] contacted us to advise that he wasn't receiving any statementsAt that time our representative advised him that he had previously elected to receive electronic notifications when he registered his account online at CFNA.comWe removed $in late payment fees for him and he made a payment of $on December 10, He did not request to change his preference back to paper statementsThe account then went another days past due when he did not remit either his February or March payments by his due date of the 1st of each month.Below, directly from the webmaster, we are providing a copy of the his enotification log with the exact time and date stamp that his electronic notifications were received at his email address.We are unable to honor Mr [redacted] 's request to remove the derogatory pay history on his account The statements were sent and received correctly and he still went into a past due status after he had spoken to us by telephone.Our contractual relationships with the national credit reporting agencies prohibit us from arbitrarily altering or deleting our trade information If creditors fail to accurately report historical account activity, the information contained in a credit file would be inaccurate and misleading We rely on this information in order to make a decision whether or nor to extend credit Therefore, the accuracy and integrity of the information is essential.We hope that the above information meets with your satisfaction.Sincerely,Mary Ann K [redacted]

______________________________________________________________________ BK-/ Credit Operations PO Box Cleveland, Ohio 44181- July 17, [redacted] , Dispute Resolution Specialist Euclid Ave, 4th FlCleveland, OH 44115- Reference: CFNA / [redacted] Account #xxxxx [redacted] Revdex.com /Complaint ID # [redacted] Dear [redacted] : Thank you for forwarding the above mentioned complaint file by [redacted] As shown on the attached Account Information Report, an ACH payment of $posted to the account on February 19, This payment was returned by the bank on February 25, due to insufficient fundsSubsequently, a letter was sent on February 27, to the address provided by Ms [redacted] on February 22, 2016, informing her that the amount of the returned payment was debited back to the balance of her [redacted] account along with a fee, as this payment did not clear her checking account CFNA provides monthly statements which show, among other things, the previous balance, payments and credits, transactions, fees and charges, payment due date, new balance and minimum payment dueSystem generated collection letters are also sent out to accountholders according to the account’s delinquencyA letter was sent informing Ms [redacted] that this account was being prepared for placement with an outside collection agency with an offer of a final opportunity to satisfy the debt or contact us for a mutually agreeable repayment plan Ultimately, this account charged off due to non-payment on October 5, 2016, with an outstanding balance of $338.66, as shown on the Account Information Report provided Based on the above information, our reporting of this account is an accurate portrayal of the manner in which the account was paidUnfortunately, we are unable to accommodate the request to alter the trade lineMs [redacted] is encouraged to call and make arrangements to pay the outstanding balance If there are any additional questions or concerns regarding this account, or the enclosed information, please contact our office at 877-888-for assistanceWe are available Monday through Friday from 8:a.mto 4:p.m., Easter Standard Time Sincerely, Lisa G [redacted] | Credit Operations Credit First National Association 1-800-321- Enclosures

January 21, Revdex.com Inc [redacted] -Dispute Resolution Specialist Euclid Avenue, 4th Floor Cleveland, Ohio 44115-Re: Firestone Complete Auto Care Account in the name [redacted] ID: [redacted] Dear [redacted] : This letter is in response to your letter dated January 18, in regard to a complaint submitted by [redacted] J [redacted] After researching the account, we have determined that the rating being submitted to the credit bureau is correctOn March 21, 2015, Mr [redacted] contacted our office questioning late fees, he thought he was set up on auto paymentsThe representative explained the payment options available and as a courtesy agreed to credit $if a $payment was madeMr [redacted] made the payment on March 21, and the credit was issuedMr [redacted] never advised the representative that he was not receiving statementsHe called again on September 4, to advise he was on active military duty, he was given the information to submit the documents to CFNAAs of today, CFNA has not received the documentationEnclosed is a copy of the account historyWe hope the above information meets with your satisfactionSincerely, Judy P [redacted] Judy P***/Customer Service Specialist Credit First National Association Eastland Road Brookpark, Ohio P:F:Customer Service Department, BK I Phone: I Fax: I www.CFNA.com

[redacted] & [redacted] [email protected]>10:AMto Better I sent am email on Tue, Oct 11, at 10:AM ([email protected]) advising that my issue has been resolved and I would like to close the complaintI am satisfied with the resolution[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 [Yes, this is finally being cancelled now but what is the refund for charges from 12/to present? Regards, [redacted] ***

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 A little phone call would have settled this a long time agoA company can not pick up the phone to let the consumer that their account is in default? I did advise a representative, the address I provided was a temporary address because I was transitioning out of the ArmyI will offer them a settlement offer for the original amount, but I will not pay them the late charges that could have been avoided Kind 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 have tried to work with them on the one, and they were unwilling to help unless I brought the whole acct up to date, If I had the money to do so I would not be asking for help All of my other creditors were more then happy to help except this company They are very unreasonable Regards, [redacted] ***

BK-/ Credit Operations PO Box Cleveland, Ohio 44181- December 7, [redacted] , Dispute Resolution Specialist Euclid Ave, 4th FL Cleveland, OH 44115- Reference: CFNA / Firestone Account #xxxxx [redacted] Revdex.com / Complaint ID # [redacted] Dear [redacted] : Thank you for forwarding the above mentioned complaint filed by [redacted] *** As stated in our previous response, if [redacted] is experiencing financial difficulty or if he’s having trouble making payments, we do offer payment arrangements that can assist him in bringing his account up-to-dateWe encourage [redacted] to contact our office directly and speak with an account representative at 1-855-609-This is the only way to secure a payment arrangement We are available Monday through Thursday from 8:a.mto 10:p.m., Friday from 8:a.mto 6:p.m., and Saturday from 8:a.mto 4:p.m., ET Sincerely, Lisa G [redacted] | Credit Operations Credit First National Association 1-800-321-

August 26, 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 August 25, in regard to [redacted] ***’s [redacted] credit card.We have enclosed a copy of [redacted] ***’s Account Information Report showing the most recent charges and credits The meanings of the symbols are as follows: CC = is monthly interest charge, also may include late fee, Debt Protection or P/A = is monthly payment amount P/D = is past due amount Balance = is balance of that month’s statement (-) = indicates payment or creditOur records show that statements are processed on the 27th of every month with payment required by the 22nd of the following month Minimum monthly payments are required on this account[redacted] states that her payment was on time for July 22, Our records indicate that her May 27, statement advised that $was due by June 22, The payment was not received until June 23, and a late payment fee was assessed The June 27, statement advised that $was due by July 22, [redacted] contacted our Customer Service Department by telephone on July 10, At that time she was advised by our representative that per our credit card agreement payment must be processed to an account by 5:p.m., ET on or before the due date Although [redacted] made a payment using our automated telephone system, her payment was made after the 5:p.m., ET cut off time At that time, our representative processed a credit for the late payment fee of $20.Customer Service Department, BK | Phone: [redacted] | Fax: [redacted] | www.CFNA.comWith the $credit processed to the account, [redacted] now had $due by July 22, Again, she used the automated telephone payment system after the 5:p.m., ET cut off time and the payment was not processed until July 23, A new late payment fee of $was assessed.We can also advise that this has again happened for her August 22, payment It was paid after the cut off time and a new late payment fee has been assessed.We believe that we have assisted [redacted] in July by removing the late payment fee and at that time we advised her of the terms for her payments We also show that we had previously removed late payment fees on her account in November and March When we removed the fee in March 2015, we had advised [redacted] that it would be the last removal of a fee for her As we just removed another fee for her, we believe the following fees that were assessed were billed correctly to the account and we look to her for payment.If we may offer a suggestion to [redacted] regarding her payment due date of the 22nd of each month, we would suggest to make her payments on the 21st of the monthThat way even if she calls after 5:p.m., ET, it would still process on her due date of the 22nd Or if she prefers, we could also change her due date with our Company She would just need to contact us by telephone to advise what date would be convenient for her to make an on time payment Available due dates we offer are as follows: 1st, 3rd 5th, 8th, 10th, 15th, 18th, 20th, and 22ndCustomers have the ability to make online payments at CFNA.com We can also send her an Authorization Agreement form for her to complete so that payments are automatically withdrawn from her checking account for up to months at a time.We apologize that she felt our supervisors were rude and coldlike to her and we apologize if she did not receive the absolute highest level of Customer Service from our staff, and we want you to know that Credit First is dedicated to excellence in Customer Service We appreciate her feedback and her concerns have been forwarded to management for review.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 44142P: [redacted] F: [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 Regards, [redacted] First off, I understand everything that was sent to me in the response just as I understood it when she told me this on the phone No matter the policy, none of what she said has anything to do with the rude manner that I was spoken to by her or by Judy which she forgot to address I am completely fine with the policy that they have in place and I have returned all documents that I was asked to Customer service and the rudeness are my main concerns, as I couldn't even get my point across because Melissa and Judy kept doing the same thing that she just finished doing in her response, REPEATING A POLICY THAT I AM WELL AWARE OF Thanks, [redacted]

Tell us why hereSeptember 14, [redacted] , Dispute Resolution SpecialistRevdex.com, IncEuclid Ave., 4th FloorCleveland, OH 44115- Reference: CFNA/Firestone Complete Auto Care Account # [redacted] Revdex.com Complaint # [redacted] Dear [redacted] : Thank you for forwarding the above mentioned complaint filed by [redacted] ***Credit First National Association (CFNA) provides monthly updates to the credit reporting agencies, which includes the account balance and payment historyThese updates coincide with the account’s billing cycle, which for this account is around the 10th of each monthIn addition to these monthly inquiries, our records indicate CFNA has also provided additional adhoc updates per Mr***’s requestA copy of our most recent Automated Universal Data Form (AUD), which was sent to the credit reporting agencies on September 9, 2016, is attached for reviewShould Mr [redacted] continue to experience issues related to reporting of his account, we encourage him to contact [redacted] directly and dispute the account’s statusWe appreciate this opportunity to be of service and hope this will satisfactorily resolve this matterSincerely, Denise D’ [redacted] | Credit OperationsCredit First National Association1-800-321- Enclosure

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 In the content of [redacted] 's response letter, it lists at least months of the minimum payment not attained What they fail to mention is they were assessing a penalty during each of those months making it impossible to meet the minimum payment When I contacted [redacted] via email to confront them and peacefully resolve this, they refused to work with me and continued to penalize me until I made a complaint with the Revdex.com [redacted] is working toward meeting the profile of a predatory loaner.By their rules I only managed to pay less than $out of $dollars worth of paymentsEven if this met our loan agreement, this should have been sharply looked at by someone on their side as taking advantage of a paying customer[redacted] 's current policy takes total advantage of customers that are having a difficult time paying the bill Most of the other credit card companies have common sense policy's and allow for a plan to be worked outespecially when the customer is payingI pay my billsDue to Politics I am in a job that pays 1/of my original incomeDespite this, I still pay my bills[redacted] owes me an apology In their carefully written and edited response, it appears I hardly paid my bill Yet, I have Bank statements that show otherwise The totals do not lieAdd up the amounts in my original complaint and try to justify how my debt was effectively increased by 400% percent Regards, Evelyn M***

April 12, 2016Revdex.com, Inc[redacted] -Dispute Resolution SpecialistEuclid Avenue, 4th FloorCleveland, OH 44115-2408Re: Firestone Complete Auto Care Account in the name of [redacted] * [redacted] ID: [redacted] Dear [redacted] :This letter is in response to your letter dated April 11, in regard to a complaint submitted by [redacted] M [redacted] We show that Ms [redacted] elected to receive electronic notifications instead of paper statementsElectronic notifications have been sent to the same email address since November, A record of statement delivery appears below.01/10/2016Primaryjc [redacted] @msn.com2016-01-12:20:12/10/2015Primaryjc [redacted] @msn.com2015-12-10:07:11/10/2015Primaryjc [redacted] @msn.com2015-11-09:39:10/10/2015Primaryjc [redacted] @msn.com2015-10-09:49:07/10/2015Primaryjc [redacted] @msn.com2015-07-09:27:09/10/2014Primaryjc [redacted] @msn.com2014-09-09:26:01/10/2014Primaryjc [redacted] @msn.com2014-01-09:05:12/10/2013Primaryjc [redacted] @msn.com2013-12-11:09:11/10/2013Primaryjc [redacted] @msn.com2013-11-11:36:10/10/2013Primaryjc [redacted] @msn.com2013-10-11:05:07/10/2013Primaryjc [redacted] @msn.com2013-07-08:53:06/10/2013Primaryjc [redacted] @msn.com2013-06-10:23:02/10/2013Primaryjc [redacted] @msn.com2013-02-10:40:01/10/2013Primaryjc [redacted] @msn.com2013-01-08:54:12/10/2012Primaryjc [redacted] @msn.com2012-12-10:18:11/10/2012Primaryjc [redacted] @msn.com2012-11-08:46:10/10/2012Primaryjc [redacted] @msn.com2012-10-08:47:04/10/2012Primaryjc [redacted] @msn.com2012-04-09:03:03/10/2012Primaryjc [redacted] @msn.com2012-03-09:52:12/10/2011Primaryjc [redacted] @msn.com2011-12-09:04:10/10/2011Primaryjc [redacted] @msn.com2011-10-13:55:11/10/2010Primaryjc [redacted] @msn.com2010-11-09:42:57Ms [redacted] contacted our Customer Service Department via email on January 19, stating that she did not receive statementsShe requested credit toward the two late payment fees which were assessedWe processed a credit in the amount of $for the greater of the two fees, as a courtesyThis credit appears on Ms [redacted] ’s February 10, statementAs a courtesy, we have corrected the payment history which was previously reported to the credit reporting agencies and a new corrected rating has been submittedWe 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:

e-mail copied and pasted by Revdex.com staff (NR) as follows: March 1, [redacted] , Dispute Resolution SpecialistRevdex.com, IncEuclid Ave, 4th FloorCleveland, OH 44115-2408Reference: CFNA / [redacted] Revdex.com Complaint ID # [redacted] Dear [redacted] Thank you for forwarding the above mentioned compliant filed by [redacted] Upon receipt of notification that MrW [redacted] had filed Chapter Bankruptcy, hisaccount was noted and the appropriate steps were takenAs a result, the pay history onMrW [redacted] ’s account has been updated to reflect that his payments have beensubmitted on timePlease understand our submission does not guarantee updated reporting for this account,as it is within the sole discretion of the credit bureaus whether the change is made and thetimeframe in which it is completedShould you have any additional questions, please feel free to contact us at [redacted] , orby mail at the address provided aboveWe apologize for any inconvenience this may have caused.Sincerely,Credit OperationsCredit First National Association [redacted] John M [redacted] | CREDIT OPERATIONSCredit First National Association [redacted] ***, Brook Park, Ohio [redacted]

Per the Terms and Conditions of the Credit First Protection program, if cancellation is received within days of enrollment, any fees that are incurred will be reversedYou may cancel at any time after the days, but any fees that have been charged are the customer's responsibilityAs a courtesy, CFNA will reverse only the fees that were incurred in 2015, for a total of $This is a one-time only reversal, and will appear on your billing statement in the next business days

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 This is awrsome thanks although I refuse to partake in a scheme to rip off consumers any way thanks for your cooperationI know it will be removed from credit bureau I shall contact them directlyThanks for honouring my requestI'd appreciate zero contact from your or any other collectors hired from youShould it happen I will seek legal action for violation of my rights under Fair Deb Collections Practice Act and Statute Of Limitations Regards, [redacted]

CreditFirst NATIONAL ASSOCIATION October 12, P.OBox I Cleveland, Ohio 44181-I www.CFNA.com Revdex.com, Inc [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 October 12, 2017, in regards to a complaint submitted by [redacted] Our records show that [redacted] has been advised multiple times that per his credit card agreement, his payment must be processed to his account by 5:p.m., ET on or before his payment due dateLate payment fees in the amount of $each were assessed to [redacted] 's account because a minimum payment was not received by 5:p.m., ET for his due dates of March 22, 2017, May 22, 2017, August 22, 2017, and September 22, 2017.We show that as a courtesy, we issued credits for three previous late payment fees on [redacted] 's account on April 5, 2017, May 24, and August 24, At this time, [redacted] was advised that our policy is not to remove late fees and that this was a courtesyWe are unable to honor [redacted] 's request to issue a credit for the late payment fee assessed in September If [redacted] wishes to proceed with closing his account he can contact Customer Service by telephone at 800-321-3950, or he can send his card cut in half back to the Inquiry Department address listed on his statementsSincerely, Angela C***Customer Service Customer Service Department, BK I Phone: I Fax: I www.CFNA.com