Credit First National Association

December 4, Revdex.com, Inc [redacted] — Dispute Resolution SpecialistEuclid Avenue, 4th Floor Cleveland, OH 44115-Re: [redacted] Account ID: [redacted] Dear [redacted] : This letter is in response to your letter dated December 4, in regard to [redacted] ***' Firestone credit cardWe have listened the telephone conversation that our representatives had with [redacted] on December 3, 2015, in which she has inferred that we were condescendingAfter review, we do not concur with her assessmentWe believe that our representatives handled the telephone call as they are trained to doOur credit card agreement advises that payments must be processed to an account by 5:p.m., ET on or before the due date of the account [redacted] ***' due date is the 3rd of every monthOur records indicate that we have verbally advised her of these terms by telephone previously and we have removed late payment fees per her request in October and June We previously also brought her account to a current status to avoid the assessment of a late payment fee in November We do not continue to remove fees on any account and we believe that as we have assisted [redacted] several times by removing and avoiding fees on her account that by removing one half of the new late payment fee we were doing so as a courtesy to herWe are sorry that she disagrees with our policy, however, we believe that if [redacted] would review the history of her account, she would agree with us that we have been more than lenient regarding the feesWe look to her, as we look to all customers to honor their agreement with us and make on time payments to the accountWe 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 [redacted]

CreditFirst P.OBox I Cleveland, Ohio 44181-I www.CFNA.com May 23, Revdex.com [redacted] ***-Dispute Resolution Specialist Euclid Avenue, 4th Floor Cleveland, OH Re: [redacted] Complete Auto Care Account in the name of [redacted] *** [redacted] Dear [redacted] ***: This letter is in response to your letter dated May 23, in regards to a complaint filed by [redacted] As previously advised our records show that [redacted] 's statements are being sent each month to the mailing address she included in her complaint and were not returned [redacted] may change her preference to electronic statements, by updating her choice under the "my profile" link at www.CFNA.comPlease note: Customers registered for electronic statements will not receive paper statementsOur records show that as of today's date [redacted] 's account is past dueOnce [redacted] 's account is current she may contact Customer Service and request a credit limit reviewThis call does not guarantee a credit limit review [redacted] 's payment due date is the 10th of every monthMinimum payments are required each month by this date [redacted] is able to schedule up to six months of online payments at www.CFNA.com by changing the payment date for each payment she is schedulingThe website will provide an individual confirmation number for each payment [redacted] would need to retain these confirmation numbers for her recordsWe appreciate this opportunity to be of serviceSincerely, Angela C***Customer Service Customer Service Department, BK I Phone: I Fax: I www.CFNA.com

December 9, 2015Revdex.com, Inc[redacted] -Dispute Resolution SpecialistEuclid Avenue, 4th FloorCleveland, OH 44115-2408Re: [redacted] Account in the name of [redacted] ID: [redacted] [redacted] :This letter is in response to your letter dated December 9, in regard to a complaint submitted by [redacted] ***l.We have reviewed [redacted] ’s complaint regarding her account balanceWe show that late payment fees in the amount of $and $each were assessed because a minimum payment was not received by the due dates for June 15, July 15, August 15, September 15, October 15, and November, In addition, interest charges in the amount of $were assessed to the account due to nonpayment of the Six Month Purchase by the due dateInterest 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 to [redacted] we have processed a credit in the amount of $toward the late payment fees assessed and this credit will appear on her December 20, statement.We 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: [redacted] F: [redacted]

---------- Forwarded message ----------From: < [redacted] @twc.com>Date: Thu, Nov 3, at 12:PMSubject: Re: You have a new message from the Revdex.com serving Greater Cleveland regarding complaint # [redacted] .To: ***@cleveland.Revdex.com.orgI did receive my refunds from the company and appreciate your thorough handling of this situation

March 30, Revdex.com, Inc [redacted] — Trade Assistant Euclid Avenue, 4th Floor Cleveland, OH 44115-P.OBox Cleveland, Ohio 44181-0315Re: Tires Plus Account in the name of [redacted] ID: [redacted] Dear *** [redacted] : This letter is in response to your letter dated March 30, in regard to a complaint submitted by [redacted] We have reviewed [redacted] 's complaintOur records show that a new charge in the amount of $on January 26, was made on Mr [redacted] 's accountThis new charged caused his minimum payment to increase to $due by March 18, The new minimum payment amount showed on his February 23, statementA late payment fee in the amount of $was assessed to the account because a minimum payment was not received by the due date of March 18, We have processed a credit to Mr [redacted] 's account in the amount of $for the late payment fee and interest charges assessed as a courtesyA refund check in the amount of $was issued outMr [redacted] 's account is paid in full pending the processing of his payment in the amount of $received on March 28, There is no fee to make an automatic phone paymentThere is a $fee if a payment is made with one of our Customer Service RepresentativesWe 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: Customer Service Department, BK Phone: I Fax: I www.CFNA.com

______________________________________________________________________ BK-/ Credit Operations PO Box Cleveland, Ohio 44181- September 21, [redacted] , Dispute Resolution Specialist Euclid Ave, 4th FlCleveland, OH 44115- Reference: CFNA / Firestone Account [redacted] Revdex.com / Complaint ID # [redacted] Dear [redacted] Thank you for forwarding the above mentioned complaint file by [redacted] *** We realize [redacted] is concerned about meeting her obligation with Credit First National AssociationAs stated in our prior communication, CFNA does offer special arrangements that can assist in bringing the account up-to-date CFNA has several payment options available for her convenience [redacted] could send check or money order by mail, or make Cash only payments at any local company owned Firestone Complete Auto CareShe can also call our office directly to schedule a payment over-the-phone with an account representative at no additional charge [redacted] is encouraged to call and make arrangements to pay the outstanding balance If there are any additional questions or concerns regarding this account, please contact our office directly at 1-800.321-for assistanceWe are available Monday through Thursday from 8:AM to 10:PM, Friday from 8:AM to 4:PM, and Saturday from 8:AM to Noon, Eastern Sincerely, Lisa G [redacted] | Credit Operations Credit First National Association 1-800-321-

January 3, RevDex.com, Inc [redacted] Land-Dispute Resolution Specialist Euclid Avenue, 4th Floor Cleveland, OH 44115- Re: Firestone Complete Auto Care Account in the name of [redacted] W [redacted] ID: [redacted] Dear [redacted] ***: This letter is in response to your letter dated December 24, in regard to a complaint submitted by [redacted] W [redacted] Mr [redacted] contacted our office on December 19, via email stating that a balance transfer check that was mailed to us in the amount of $was not credited on his monthly statementA reply was sent to Mr [redacted] via email advising that we had not received the payment After attempting to locate the payment with the information provided, I contacted Mr [redacted] by telephone on December 27, asking if he could fax a copy of the cancelled checkHe then requested that information from [redacted] I contacted Mr [redacted] again on December 29, to advise that I had not received the requested documentationHe advised that it may take [redacted] some time to provide that documentation I checked Mr [redacted] ’s account today, January 3, and saw that we had applied a payment of $on December 29, I then contacted Mr [redacted] by telephone to advise that we had received the payment in questionMr [redacted] stated that he deposited the balance transfer check into his personal checking account in errorWhen he discovered the error, he submitted the payment to us electronically on December 29, At this time the balance on Mr [redacted] ’s account is zero We hope the above information meets with your satisfaction Sincerely, Christine K [redacted] Christine K [redacted] | Customer Service Specialist Credit First National Association Eastland Road, Brook Park, Ohio P: F:

October 6, 2015Revdex.com, Inc[redacted] – Dispute Resolution SpecialistEuclid 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, 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 AssociationEastland Road, Brook Park, Ohio [redacted] [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, Agnes Worley If I was later and I told them about I pay on your web and I no u get the payment one to three why they took the fee off if I was late they are full of bull [redacted] yes I'm old but I'm not dump and I all so told them I was not get my bill on time that why I turn to the web the store said the web is better the same day they get it the man at the [redacted] store said they have to mail the payment in the web is the best

received company response VIA e-mail as follows: May 12, P.OBox I Cleveland, Ohio 44181-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] ID: [redacted] Dear [redacted] :This letter is in response to your letter dated May 12, in regards to a complaint submitted by [redacted] ***A late payment fee in the amount of $was assessed to [redacted] ***'s account because a minimum payment was not received by his due date of April 18, We have processed a credit to his account in the amount of $for the late payment fee assessed as a courtesy and this credit will show on [redacted] ***'s May 23, statement.Please be advised that [redacted] will be responsible for future feesOur records show that [redacted] ***'s account was not reported past due for the month of May to the credit reporting agenciesWe appreciate this opportunity to be of service.Sincerely,Angela C*** Customer Service Department, BK I Phone: I Fax:

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]

September 29, [redacted] , Dispute Resolution Specialist Revdex.com, IncEuclid Ave., 4th Floor Cleveland, OH 44115- Reference: CFNA/Firestone complete Auto Care Account # [redacted] Revdex.com Complaint # [redacted] Dear [redacted] : Thank you for forwarding the response from [redacted] regarding the above referenced account After contacting [redacted] , we were able to determine where the disconnect in the credit reporting occurredCFNA provided [redacted] with the information necessary to complete our request and ensure the trade line re-appears on Fredrick [redacted] credit report as the joint contractually liable party on the above listed account Mr [redacted] should see the successful update in -business daysHe may contact our office directly at 1-877-888-should he have any additional questions or concerns Sincerely, Denise D’ [redacted] | Credit Operations Credit First National Association 1-800-321-

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 reject the response of CFNA in its entirety:(1) the signature provided is not my signatureI completely reject and any reasonable person would reject the "signature" that they provided and claim is mineIt is NOT my signatureThis is a MISLEADING and DECEPTIVE business practiceI reject their agreement completelyThey have NO agreement with me with my signature.(2) they still have not addressed, despite multiple requests, my original dispute months before they unilaterally elected to add numerous charges to my account and then charge it offThey attempted to blame me for not following up after my original complaint about the original $charge right after I paid the original $1,000.(3) I am including by reference to my previous email, all the other issues they fail to address including emphasizing that the entire amount can be paid off within months(4) there is a raw cruelty and viciousness about these individuals and CFNA organizationThey attempt to ruin someone's credit over a $dispute that they made no effort to resolveRather than resolve the dispute they add numerous unagreed charges then charge off the account??? and present a signature that is not mine as evidenceI reject this entirely Regards, [redacted]

August 17, Revdex.com, Inc [redacted] — Dispute Resolution SpecialistEuclid Avenue, 4th FloorCleveland, OH 44115-Re: Account in the name of [redacted] ID: Dear [redacted] : This letter is in response to your letter dated August 17, in regard to a Firestone Complete Auto Care credit cardOn May 11, [redacted] contacted our office to refute a sale in the amount of $dated March 4, On May 14, a plate search was performed and found that the purchaser is [redacted] , at which time a letter was sent to [redacted] notifying her of the fraudulent purchaseNo response was received from [redacted] On June 9, 2015, [redacted] was sent a statement of refuted charge form to be completed and returned to Credit First National Association so we may finalize the investigation and remove the chargeMr [redacted] was advised on the form that the purchase was made by [redacted] We must receive the signed statement of refuted charge form back from the customer within days to complete the investigationDue to the fact that Mr [redacted] did not return the required form, the file was closed on August 11, for no responseAs of this date, we have not received the required signed documentation from [redacted] A [redacted] to remove the refuted purchaseIf the signed documentation is received from Mr [redacted] , we will reopen the file and remove the fraudulent saleWe hope that the above information meets with your satisfactionSincerely, Chastity LW [redacted] Customer Service Refute / Dispute Specialist Credit First National Association Eastland Road, Brook Park, Ohio F:

______________________________________________________________________ BK-/ Credit Operations PO Box Cleveland, Ohio 44181- July 20, [redacted] , Dispute Resolution Specialist Euclid Ave, 4th FL Cleveland, OH 44115- Reference: CFNA / [redacted] Account #xxxxx [redacted] Revdex.com / Complaint ID # [redacted] Dear [redacted] : Thank you for providing the response from [redacted] concerning our letter dated July 13, We encourage Ms [redacted] to contact us to discuss her outstanding balance Hopefully, by working together, we will be able to resolve the outstanding debt We can be reached at 877-888-0844, Monday through Friday from 8:a.mto 4:p.m., Easter Standard Time We look forward to hearing from Ms [redacted] to assist in resolving this matter Sincerely, Lisa G [redacted] | Credit Operations Credit First National Association 1-877-888-

June 22, 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] * [redacted] ID: [redacted] Dear [redacted] : This letter is in response to your email dated June 22, in regard to a complaint submitted by [redacted] M [redacted] We have enclosed an account information report which shows the payment history on this accountThe meanings of the symbols are as follows: INT = interest charge INS/DP = insurance charge/debt protection PIA = payment amount P/D = past due amount Balance = balance of that month's statement (-) = payment or credit We have reviewed Mr [redacted] 's complaintPer Mr [redacted] terms and agreement on his CFNA account he must pay at least the Minimum Monthly Due for each Billing Cycle by the Payment Due Date shown on his statementWe do not offer a pay ahead optionWe show that on March 14, we received a payment in the amount of $Our records also indicate that this payment was returned by Mr [redacted] bank as unable to locateThe next payments we received were on March 30, in the amount of $and May 13, in the amount of $A late payment fee in the amount of $was assessed to his account because his minimum payment was not received by his June 15, payment due dateAs a courtesy, we have issued a credit in the amount of $for the late payment fee assessed on Mr [redacted] accountWe hope that the above information meets with your satisfactionSincerely, Angela Corp I Customer Service Specialist

CreditFirst NATIONAL ASSOCIATION P.OBox I Cleveland, Ohio 44181-I www.CFNA.comJanuary 29, 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] Dear [redacted] : This letter is in response to your letter dated January 27, 2018, in regards to a complaint submitted by [redacted] Our records indicate [redacted] spoke to a representative regarding her complaintThe representative agreed to credit her January late fee in the amount of $It is not our policy to make adjustments to accounts, and [redacted] will be responsible for future fees [redacted] 's account cycles on the 23rd of each month, making her due date the 18th of the following monthOur records indicate that [redacted] spoke with a representative on January 25, During this conversation, [redacted] was advised that she can make her payments any time after the 23rd to apply to the following month's due dateAt this time we do not have a pay ahead optionMinimum payments are required each month, until the account is paid in fullHer most recent statement was sent on January 23, 2018, showing a minimum payment of $due February 18, Since we processed a credit to the account, the new minimum payment is $due February 18, [redacted] 's Promotional balance remains the same: $due June 18, to avoid incurring the accrued interestWe appreciate this opportunity to be of serviceSincerely, Amanda C [redacted] -Customer Service Customer Service Department, Phone: Fax: www.CFNA.com

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 CFNA keeps ignoring the real problem, which was a problem with their computer system I scheduled payments have attached the confirmation emails Now they claim that they are not CFNA confirmation numbers Well no joke, guess that is why the payments were not drafted from my account I am beginning to think that this was intentional for them to make more money, as they know it will be virtually impossible for someone living in Virginia to file a law suit for $ I trust that the Revdex.com can put them on every complaint list and an terrible company to do business with I know I have talked one local business into dropping their credit servicesI still demand a refund of the late fees that were charged to my account because I scheduled a payment, CFNA did not withdraw that payment and now is turning around and saying it is my fault If you need copies of the email confirmations I printed out please let me know I will be happy to resend them Regards, [redacted]

BK-/ Credit Operations PO Box Cleveland, Ohio 44181- June 4, Revdex.com Attn: [redacted] , Dispute Resolution Specialist Euclid Avenue, 4th Floor Cleveland, OH 44115- Reference: [redacted] / Revdex.com complaint ID# [redacted] CFNA/Firestone Credit Card # [redacted] Dear [redacted] : Thank you for forwarding the above complaint regarding the account for [redacted] A review of the recorded telephone conversation, revealed that the account representative offered a concise, factual explanation for all of [redacted] 's questions The representative explained the reason for the past due status of [redacted] 's account was due to a system error, caused by a payment returned by his bankWhen a payment is returned the system automatically changes the payment history to reflect a past due paymentAlthough [redacted] had made a replacement payment the same day, the system did not recognize the additional payment and incorrectly reported his account as past dueThe account representative explained the error could be corrected manually in our system and proceeded to correct [redacted] 's account and credit reporting information while he was on the telephone During the telephone conversation [redacted] also expressed his dissatisfaction that this matter wasn't already addressed prior to his telephone callSystem errors cannot always be detectedWe do however, correct any situation brought to our attention as quickly as possible to reduce any negative impact to the customerA request was submitted to all three credit reporting agencies today, reflecting on-time payments and insuring any derogatory information is deletedAlthough the credit reporting information had already been corrected in our system, today's request will expedite the process A request was also processed today to re-enroll [redacted] for Credit First Protection coverage, since the cancellation of coverage was due to delinquency and [redacted] 's account was never delinquent We certainly regret that [redacted] felt that the representative with whom he spoke, was unprofessional and rudePlease be advised that this is not representative of the service we strive to provide and will take the appropriate steps to ensure this won't be repeated Please accept our apologies for any inconvenience this may have causedIf you have any further questions regarding this matter, please contact our offices directly at 800- [redacted] Sincerely, [redacted] ***/Credit Operations Credit First National Association 1-800- [redacted] Enclosure cc: [redacted]

[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me.
Regards,
*** ***