Credit First National Association

I have attached the following documents:
Response letter, Signed and dated enrollment form and the Terms and Conditions of the Program

The response is attached as well as the supporting documents showing the signed and dated enrollment form which was sent to us by the customerWe received the enrollment form on 1/24/A $credit was applied to the accountNo additional credit of fees are due to the customerAs per the customer's request, the program was canceled as of 7/17/

Please see attached response

November 29, 2017*** ***, Dispute Resolution SpecialistEuclid Ave, 4th Fl.Cleveland, OH 44115-2408Reference: CFNA / Firestone Account #xxxxx*** Revdex.com / Complaint ID #***Dear *** ***:Thank you for
forwarding the above mentioned complaint filed by *** ***.Our records reflect the above credit card was opened on July 17, We have enclosed a copy of the application that opened this account*** *** driver’s license was matched and verified at the time of the purchase on July 17, A copy of the sales invoice and an Account History Report have also been enclosed. Further review of our records indicates that this account was registered on our website, CFNA.com, with billing statement notifications being sent to the following email address: ***The only mailing address reported and on record matches the one provided on the application and submitted in the complaint.Upon completion of our review, it was determined that we responded to numerous Automated Consumer Dispute Verification reports, validating the accuracy of the reported information provided electronically to the credit reporting agenciesFurthermore, we responded to *** *** dispute letter with the required information, including a copy of the application as well as a transactional account history. Ultimately, this account charged off due to non-payment on May 23, 2017, with an outstanding balance of $544.45.Based on the above information, our reporting of this account is an accurate portrayal of the manner in which the account was paidRegrettably, we cannot comply with the request to remove the tradelineHowever, if *** *** 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 at 1-877-888-for assistanceWe are available Monday through Friday 8:a.mto 4:p.m., ET.Sincerely,Lisa G*** | Credit OperationsCredit First National Association1-800-321-

March 22, 2016Revdex.com, Inc.Aisha Ibrahim-Dispute Resolution SpecialistEuclid Avenue, 4th FloorCleveland, OH 44115-2408Re: Firestone Complete Auto Care Account in the name of *** ***ID*** Dear Aisha Ibrahim:This letter is in response to your letter dated March
22, in regard to a complaint submitted by *** M***.Our terms at this time are any purchase of $and greater will qualify for our Month Promotional Credit PlanThis entails deferred interest for six months with minimum monthly payments required Any purchase under the $amount is a regular revolving balance.Two Promotional Sales were applied to Ms***’s account A sale of $on August 5, and a sale of $was applied on August 17, 2015.Interest charges in the amounts of $and $were assessed to Ms***’s account due to nonpayment of the promotional balances by the promotional due dates Interest charges are calculated on the average daily balance from the date of purchase and are added to your account if we do not receive payment of the full promotional balance by the due date. The promotional balances and due dates as well as the amount of interest accruing appears on each monthly statementOn the statement prior to the expiration of a promotion sale a reminder appears under the heading, Important Information. We hope the above information meets with your satisfaction.Sincerely,Christine K***Christine K*** | 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 ***, and find that this resolution is satisfactory to me.
Regards,
*** ***

This is a reasonable and perfectly acceptable resolution

I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
The customer service specialist obviously does not know the meaning of customer centricity or refuses to see the customer issue as important The fact that she mentioned late fee removals from proves my point A courtesy removal from years ago has nothing to do with what this complaint was about But since she opened the door, I will step in The times when I have called for a courtesy removal of late fees, it was NEVER more than a day late Absolutely NEVER She acts if as if I was repeatedly paying late ever month If they review my payment history, they would see that I'm a customer who ALWAYS pays more than the minimum due Several times paying my entire balance in full I will continue to escalate this issue to the office of the president and make sure I post to every source of social media possible I will not be labeled as a bad customer because of some customer service representative's assessment We are talking about a total of $ Does this company seriously want that kind of reputation for something so small You would think I was asking them to waive my balance I pay my bills and I have excellent credit Otherwise why would have extended me their credit card? I cannot believe their response I'm shaking my head literally because I know what type of company I'm dealing with I thought they were better but now I know different
Regards,
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
Regards,
*** *** I reject the offer.My payments were not late-- my statement due date says the 3rd so I was not late on my payment I sometimes make paymentsto ***, ***"s, ***, *** and *** *** on their due dates and there's no problem or late fee charge. This is just an excuse for Firestone or their bank to extort extra money from customers As of this day I'm going to shred their card-- I want nothing more to do with them but I will not pay their late fees. Thank you, *** ***

I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
(a) The repsondent from CFNA completely failed to address the fact that they tell you that you can payoff within months, they do not tell you that you have to make certain payments each month that they will inform you of on a monthly basisSo that even if you owed $and you paid $day (which is effectively what I did) they would charge you fees and interest on the $in month if you didn't make a payment in month that they determinedAll they tell you is pay it off within months!!!! (b) I thought that my payment of $1k meant that I had the required month period to make the payment in full and this is how it was SOLD to me. (c) MOST IMPORTANTLY: The CFNA respondent failed to address the fact that I had CALLED months before they started to add this charge to complain about the initial $charge and told them not to charge me until this had been resolvedThey ignored this and kept on charging fees! Who does that??????? This representative has the recordings where their representative told me that somehow it was my fault for not calling back again!!!!(d) They charged me an effective rate of 800%They lifted a $debt to over $then reported it as a "CHARGEOFF" ruining my credit and then the respondent has the audacity to call this accurate reporting(e) The "signature: they provided is (1) NOT a document signature (2) DOES NOT RESEMBLE MY SIGNATURE IN THE LEAST (3) and my signature does not appear on the separate document attached(4) Please review the INADEQUATE signature document provided by the representativeThis is a classic UNFAIR AND MISLEADING business practiceThe approach is however consistent with a company that in a loosely veiled attempt at usury, quadruples a debt obligation in months. (f) I have refrained at this stage filing a full report of the entire practice and experience with CFNA and its individual representatives, with the Secretary of State of Ohio and other states as well as other government agencies for full investigationIt is one of the most misleading consumer experiences I have been tricked intoNeedless to say, I am not alone in these thoughts and as a base test of reasonableness I am happy to provide experiences of others that are similar since these experiences are well documented online
Regards,

May 10, 2016 Revdex.com Inc*** ***-Dispute Resolution SpecialistEuclid Avenue, 4th Floor Cleveland, Ohio 44115-2408 P.OBox I Cleveland, Ohio 44181-0315Re: Firestone Complete Auto Care Account in the name *** *** ID: *** Dear ***
***: This letter is in response to your letter dated May 10, in regard to a complaint submitted by *** ***. *** *** notified CFNA on May 3, regarding a charge applied to her account on April 3, CFNA has thirty (30) days to respond to the request. A temporary credit will be applied to her account while this is being investigated*** *** will be notified by mail once the investigation is complete. We hope the above information meets with your satisfaction. Sincerely, Judy P*** Judy P***/Customer Service Specialist Credit First National Association Eastland Road Brookpark, Ohio P:F:216.362.5069 Customer Service Department, BK I Phone: I Fax: I www.CFNA.com

June 2, 2016 Revdex.com, Inc*** ***-Dispute Resolution Specialist Euclid Avenue, 4th Floor Cleveland, OH 44115-2408 Re: Firestone Complete Auto Care Account in the name of *** *** ID: *** Dear *** ***: This letter is in response to your letter dated June 2, in regards to a complaint submitted by *** ***. We have reviewed Ms***s compliant stating she had not received a written response in regards to the refuted sale in the amount of $charged on April 3, 2016. Our records show that this error was corrected and the charge in the amount of $was fully removed from her account and a letter was sent on May 16, 2016. As of today's date Ms***'s account is paid in full. Sincerely, Angela Corp Customer Service Customer Service Department, BK I Phone: I Fax: I www.CFNA.com

Please review our response to the complaint submitted by *** ** ***

*** *
*** * *** ***
** *** ***
*** *** ***
*April 6, 2017 *** * *** *** *** ** *** Reference: CFNA / Firestone Account
#*** Revdex.com Complaint ID #*** Dear Rhonda W*** Thank you for forwarding the complaint filed by *** *** Our records reflect the above credit card was opened March 15, 2014, with the last purchase recorded on July 30, The records confirm the account was in default and being handled by our internal collection department beginning in February of before being sent to an outside collection agency in November As specified in the terms of our credit card agreement, which is provided at the time of purchase, accountholders are required to pay at least the Minimum Payment Due for each Billing Cycle by the Payment Due Date shown on your statementThe terms agreement also outlines an account will be in default if there is failure to do something that the agreement requiresAdditionally, the terms state that we may sell, assign, or transfer accounts or any interest we hold in those accounts without notice to the accountholderA copy of the Credit Card Agreement has been enclosed for your review. 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 delinquencyThe last of these letters informed MrA*** that his 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 November 23, 2016, with an outstanding balance of $An Account Information Report has been enclosed for your reference. CFNA records all incoming as well as outgoing calls for compliance purposesPlease be advised there is no recorded contact with MrA*** We have an obligation to our cardholders as well as the Credit Bureas and potential lenders, to accurately report each account status and the manner in which it was paid, in relation to our credit card termsBased on the information outlined above, our reporting is an accurate portrayal of the manner in which the account was paidRegrettably, we cannot comply with the request to remove the tradelineHowever, if MrA*** wishes to pay the outstanding balance, we will report the account as charged-off, paid in full. Sincerely, *** *** * *** ***
*** *** *** ***
***
***
* *** ***

This response was originally submitted by *** *** on 7/via email. I am re-uploading the response just in case

CreditFirst NATIONAL ASSOCIATION September 20, 2017 Revdex.com Nicole Rainey-Dispute Resolution Specialist Euclid Ave., 4th Floor Cleveland, OH 44115-2408 P.OBox I Cleveland, Ohio 44181-I www.CFNA.com Re: Gateway Tire Account in the name of ***
** *** *** *** Dear *** *** This letter is in response to your letter dated September 19, in regards to a complaint filed by *** ** ***. Late payment fees in the amounts of $and $each were assessed to *** ***'s account because minimum payments were not received by her July 13, and September 13, due dates. Per *** ***'s credit card agreement she must pay at least the "Minimum Payment Due for each Billing Cycle by the Payment Due Date shown on her statementThe Minimum Payment Due for each Billing Cycle will be the greater of (a) 4% of the New Balance (rounded up to the nearest whole dollar) plus all past due amounts and any Late Payment Fee, Returned Payment Fee, or unpaid ACH Service Fee incurred during the previous Billing Cycle; or (b) $(or any amount less than $needed to pay her Account balance in full)The New Balance used to determine her Minimum Payment Due includes Regular Credit Plan transactions and other Promotional Credit Plan balances." We have processed credits to *** ***'s account in the amount of $and $for the late payment fees assessed as a courtesy, and this credit will show on *** ***'s October 18, statementPlease be advised that she will be responsible for future fees. If *** *** is unable to make payments by her scheduled due date, she is able to contact Customer Service at 800-321-to inquire about changing her payment due dateWe are available Monday through Friday from 8:a.mto 9:p.m., and Saturday from 9:a.mto 5:p.m., ETAfter the menu process, she may press the zero key to speak with a representative. We appreciate this opportunity to be of service. Sincerely, Angela C*** Customer Service Customer Service Department, BK I Phone: I Fax: I www.CFNA.com

Revdex.com: if full payment is made then the account is taken off the credit report
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,
*** ***

July 15, 2016 Revdex.com, Inc*** ***-dispute Resolution Specialist Euclid Avenue, 4th Floor Cleveland, OH 44115-24008 Re: Firestone Complete Auto Care Account in the name of *** *** ID: *** Dear *** ***: This letter is in
responds to your letter dated July 13, in regards to a compliant submitted by *** ** ***We have reviewed Mr***'s complaint in regards to a missing payment in the amount of $15.00. To conduct our research, our records indicate that on July 6, 2016, we requested documentation from Mr***Is bank showing that the payment of $was received by Credit First N.A., and to which account number the payment was to be applied. The requested documentation was received on July 7, and showed the payment of $was to be applied to account number ***This is not a valid account number in our systemAfter further research, on July 14, the payment was located and we are in the process of applying it to Mr***'s accountThe payment will be reflected on Mr***'s account within hours. Our records show that a late payment fee in the amount of $was assessed to Mr***'s accountWe have processed a credit in the amount of $for this late payment feeThis credit will show on Mr***'s July 15, statement. We hope the above information meets with your satisfaction. Sincerely, Angela C*** Customer Service

April 4, Revdex.com, Inc*** ***, Dispute Resolution Specialist Euclid Avenue, 4th Floor Cleveland, OH 44115-Reference: *** L*** / Revdex.com Complaint #*** CFNA/Firestone Account#*** Dear *** ***: We have reviewed Mr*** rebuttal for our response to Revdex.com Complaint #***Mr*** contacted our offices by telephone on March 31, to further discuss the reason we could no longer use the bank routing number he provided for payment. He expressed concern his payment may be late this month, using the alternate payment options offered. We reassured Mr*** we will monitor his account this month and remove any late payment fee or derogatory credit information as a result of using an alternate method. Mr*** further advised he felt a previous representative was rude, when asked to explain this issue. We apologized if Mr*** did not receive the absolute highest level of Customer Service from our staff. We want Mr*** to know Credit First is dedicated to excellence in Customer Service. We have forwarded his concerns to managementWe regret Mr*** is considering no longer using his CFNA credit card. The CFNA credit card is accepted at multiple retailers throughout the country. It also allows our customers to shop for the best value, while retaining the promotional credit plan wherever the CFNA card is accepted. It is our hope that Mr*** will continue to use the CFNA card for all of his automotive needsIf you have additional questions or need further assistance regarding this matter, please feel free to contact me at 1-800-321-Sincerely, Wrae EV*** Credit First National Association 1-800-321-cc: *** L***

I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
CFNA Did unlock my account AFTER my Complaint was filed (up until now the message that was displayed stated the account was locked and to try again in hours)However in RETALIATION for filing the Complaint they IMMEDIATELY posted NEGATIVE STATEMENTS to my Credit Reports and placed my Account into COLLECTIONSSince I have now been able to access the Account I have PAID THE BILL IN FULL, confirmation number is: ***. At this time I want this account CLOSEDAny and ALL NEGATIVE credit Reports removed from all major Credit Report Agencies and the Account to show as paid in full (as soon as payment clears)The fact that this company would pretend to be interested in resolving this problem while at the same time attacking my Credit for reporting their actions is ABHORRENT to say the leastOnce CFNA has done as asked I will consider this matter closedThank You
Regards,
*** ***