Credit First National Association

I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me.
Regards,
*** ***

Credit First NATIONAL ASSOCIATION August 8, 2017 P.OBox I Cleveland, Ohio 44181-I www.CFNA.com Revdex.com, Inc*** ***-Dispute Resolution Specialist Euclid Avenue, 4th Floor Cleveland, OH 44115-2408 Re: Firestone Complete Auto Care
Account in the name of *** ** *** * *** *** Dear *** ***: This letter is in response to your letter dated August 8, in regards to a complaint submitted by *** ** ***Please be advised, at this time we do not have an automatic payment feature. Scheduled, pending and accepted payments show on the "View Payments" tab on *** ***'s web profile at www.CFNA.comUnder this tab, he is also able to edit the scheduled paymentsIf he is unable to edit the payment he may contact customer service and speak with a representative. Minimum payments are 4% of the total balance on the account plus any accrued fees from the previous billing cycleWhen *** *** schedules his payments it is his responsibility to review his statement to verify the scheduled amount is sufficient enough for his current minimum payment. In closing, we have agreed, as a goodwill gesture, to process a $late fee credit to *** ***'s account, which will reflect on his upcoming August billing statementPlease be advised *** *** will be responsible for future fees and this will be the final adjustment made to his account. Sincerely, Amanda C***-Customer Service Customer Service Department, BK I Phone: I Fax: I www.CFNA.com

December 7, 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 *** ***.Please note Credit First National Association (CFNA) previously responded to a Revdex.com complaint submitted by this same customer on December 5, 2017. As highlighted in our response, the driver’s license number of ***, which is currently assigned to *** ***, was used to open and validate this account.It is important to note this account charged-off on May 23, 2017, with an outstanding balance of $Even though the account charged-off due to non-payment, this does not mean the debt is forgiven. The period for reporting, as dictated by the Fair Credit Reporting Act (FCRA), is seven years from the date of first delinquency. Thus, CFNA can report the status of this account until August 2023.In leiu of the above, we are unable to accommodate *** ***’s request to remove altogether the trade line from the customer’s credit profile. However, should she be willing to pay the outstanding balance reflected, we can then issue an update to the credit reporting agencies for this account that reflects “Charged-off - Paid in Full”.If there are any additional questions or concerns regarding this account, please contact our office at 1-877-888-for assistanceWe are available Monday through Friday from 8:a.mto 4:p.m., Eastern Standard Time.Sincerely,Lisa G*** | Credit OperationsCredit First National Association1-800-321-

I have reviewed the response made by the business in reference to complaint ** ***, and find that this resolution is satisfactory to me.
Regards,
*** ***

1/26/company's e-mailed response copied and pasted by Revdex.com staff-** as follows: CreditFirst NATIONAL ASSOCIATION P.OBox Cleveland, Ohio 44181-www.CFNA.com January 23, 2017 Revdex.com, Inc*** ***-Dispute Resolution Specialist Euclid Avenue,
4th Floor Cleveland, OH 44115-2408 Re: *** *** *** *** Account in the name of *** ** *** *** *** Dear *** ***: This letter is in response to your letter dated January 22, 2017, in regards to a complaint submitted by *** ** ***y. Please be advised that *** *** was receiving these phone calls due to an administrative error. *** *** should no longer receive any phone calls pertaining to a past due account as her account is currentWe apologize for any inconvenience this may have caused. We appreciate this opportunity to be of service. Sincerely, Amanda C***-Customer Service Customer Service Department, Phone: Fax: www.CFNA.com

Please find the attached

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. As I stated previously, I sent the receipt to cfna that had the money order listed on itI do appreciate that they have cleared the $that I never owed, but they have not removed it from my credit report where they are still reporting it as a non-paymentThey need to remove that reporting immediately. I requested duplicate work orders, etc., dating back to the opening of the account so I could verify ALL purchases/chargesI've also requested that they reverse any interest charged at a rate higher than 6% to comply with service members relief act. I would like to know how they claim to have "verified" the application, because that IS NOT my signature, WAS NOT my address when the account was opened, WAS NOT The store I opened the account atFurthermore, the account history they provided doesn't show more than one addressWhy doesn't it show dates of any address changes? I've requested detailed information many times, information that cfna NEEDS to provide to comply with federal laws concerning credit reportingWhy does cfna refuse to share the requested information with me? It's because they are a SCAM company that is ripping off me, and undoubtedly thousands of other customers
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,
*** ***

I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me.
Regards,
*** ***

CreditFirst February 26, 2017 Revdex.com, Inc*** ***-Dispute Resolution Specialist Euclid Avenue, 4th Floor Cleveland, OH 44115-2408 P.OBox I Cleveland, Ohio 44181-I www.CFNA.com Re: Firestone Complete Auto Care Account in the name of
*** ** *** *** *** Dear *** ***: This letter is in response to your letter dated February 25, 2017, in regards to a complaint submitted by *** ** ***. Our records indicate *** *** had elected to receive statement notifications via emailThese emails were sent to *** and were not returned.If an electronic statement is returned to us for any reason, we automatically will send a paper statementOur records indicate that *** ***'s statements are being delivered to the email address on file and his server did not send them back as undeliverable. We have determined that the rating being submitted to the credit bureau is correctThis rating reflects the manner in which the above account was paid and cannot be changedOur records indicate on February 7, *** *** *** was removed from *** ***'s account as an authorized joint userPlease be advised we have sent the credit bureaus a request to update account informationOnce completed this account will not reflect on *** *** ***'s credit report. We appreciate this opportunity to be of service. Sincerely, Amanda C***-Customer Service Customer Service Department, BK I Phone: I Fax: I www.CFNA.com

CreditFirst July 28, 2017 Revdex.com, Inc*** ***-Dispute Resolution Specialist Euclid Avenue, 4th Floor Cleveland, OH 44115-2408 Re: Firestone Complete Auto Care Account in the name of *** ** *** *** *** Dear *** ***: This
letter is in response to your letter dated July 28, 2017, in regards to a complaint submitted by *** ** ***. His previous statement dated June 15, advised *** *** that he had a promotional balance in the amount of $due on July 10, 2017. A late fee in the amount of $was assessed because the minimum payment was not received by June 10, Accrued interest in the amount of $was also assessed because the promotional balance was not received by June 10, 2017. As of July 28, 2017, *** *** has a balance in the amount of $As a goodwill gesture a $interest credit has been applied to the account and will result in *** *** having a zero balanceThis is a one-time courtesy*** *** will be responsible for future fees. Sincerely, Amanda C***-Customer Service Customer Service Department, BK I Phone: I Fax: I www.CFNA.com

Tell us why here...______________________________________________________________________BK-...⇄ Credit OperationsPO Box 81410Cleveland, Ohio 44181- February 12, 2018 *** ***, Dispute Resolution SpecialistRevdex.com, IncEuclid Ave., 4th
FloorCleveland, OH 44115- Reference: CFNA / Firestone Type Account *** Revdex.com Complaint ID #*** Dear *** *** Thank you for forwarding the above mentioned complaint filed by *** *** Our record indicate that we have made several attempts to work with MsM*** On February 5, she was offered a settlement to pay 70% of her balance within daysCFNA also offered MsM*** a special payment arrangement to assist in bringing her account up-to-date MsM*** is welcome to call our office at the number below if she wishes to accept our previous payment arrangements that we offered or to discuss other options available to her If there are any additional questions or concerns regarding this account, please contact our office directly at *** for assistanceWe are available on Monday through Thursday from 8:a.mto 9:p.m., on Friday from 9:to 5:p.m., and on Saturday from 9:a.mto 5:p.m., ET Sincerely, Lisa G*** | Credit OperationsCredit First National Association***

August 10, 2015 *** *** *** * ** *** ** *** *** ** *** *** *** *** *** *** Re: CFNA / Firestone Account *** Dear *** ***, This letter will confirm our telephone conversation on Friday, August 7, concerning the complaint (ID#***)
filed with the Revdex.com on August 5th. We appreciate your acknowledgement of the outstanding balance of $on the above account, and regret the financial difficulties that you are now experiencingAs explained, in considering the amount of the balance due and your past paying history, we are willing to accept monthly payments of $for the months of August, September, and October onlyPlease note that these payments must be received by your due date of the 18th for each of these monthsDuring this repayment period, interest will continue to accrue on your balance, but (providing this arrangement is honored) late fees will be suspended as the account status will not progress to past dueHopefully, this temporary reduction of the minimum amount due will help you during this time. ** ***, your description of how you were treated by various members of my staff as well as a Supervisor in the Customer Service Department on August 5th, was very concerningAs I explained in our conversation, allegations such as these are taken very seriously here at CFNAWe are required by specific banking compliance regulations to record all of our customer calls, not just to ensure quality control, but for our customers' protection as wellI pulled the recordings from every call you refer to in your complaint, and reviewed each of the conversations between yourself and the representatives in the Collection and Customer Service DepartmentsI regret that your interpretation of these conversations were that you were treated 'rudely' and 'unprofessional', as I found them to be the contraryEach of these representatives attempted to assist you with your account - and did so in a courteous, professional mannerWhen your demands to speak with a Manager were not immediately met, you concluded that we were not being honestInvitations to leave a message on my voice mail were extended to you, yet I received no messages from you. Our records have been updated to reflect the above information, as well as a summary of your conversation with Richelle R***, Director of Collections, also on August 7thWe hope this temporary reduction in payments will be helpful to you at this time. Sincerely Robin T*** ***, Services Cc: Revdex.com of Cleveland

______________________________________________________________________ BK-/ Credit Operations PO Box Cleveland, Ohio 44181-March 30, Revdex.com, Inc*** ***, Dispute Resolution Specialist Euclid Avenue, 4th Floor Cleveland, OH
44115-Reference: *** L*** / Revdex.com Complaint #*** CFNA/Firestone Account#*** Dear *** *** : Thank you for forwarding the Mr***' Better Business Complaint #***Although we accept electronic check payment from our customers as a form of payment, a review of our database revealed the routing number used by Mr*** as one designated for card transactions. Therefore, we have removed it from our databaseWe do have a few payment options to assist Mr***. He can mail a check or money order payment to the below address: Credit First National Association POBox Cleveland, OH 44188-Additionally, customers can make cash only payments at a company owned Firestone Complete Auto Care store. The store will accept the payment as a courtesy and forward to Credit First National Association. It is necessary however, to allow business days for receipt of the payment as CFNA does not consider your payment to be received until that payment arrives at CFNA's officeMr*** account has never been late, and has been an exemplary customer with a perfect payment history. S*** his account is up-to-date, there is no reason to place his account in collectionsIt is our hope that this correspondence will explain the reason for this change and offer a solution for Mr***. We want him to know, he is a valued customer and can understand his frustration. If 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***

______________________________________________________________________
BK-/ Credit Operations
PO Box
Cleveland, Ohio 44181-
July 23,
*** ***, Dispute Resolution Specialist
Revdex.com, Inc
Euclid Avenue, 4th Floor
Cleveland, OH 44115-
Reference: *** ** *** / Revdex.com Complaint #***
CFNA*** ***
Dear *** *** :
Thank you for forwarding the *** ***'s response regarding the Better Business Complaint #***
Our customers are advised a minimum monthly payment is required on the Credit Card Agreement, the Consumer Disclosure Statement, that provides terms of the promotional credit plan, and the monthly billing statementThe Credit Card Agreement advises that "you must pay us at least the Minimum Payment Due for each billing cycle by the payment due date shown on your statement"The Consumer Disclosure statement provided specifically addresses payments and states "Minimum Monthly Payments Are Required." The monthly billing statement advises the Minimum Payment Due, the Due Date and any Past Due amountCopies of the Credit Card Agreement (Terms), Consumer Disclosure Statement and *** ***'s statements have been enclosed for your reference
*** ***'s account is a revolving credit card account requiring payment of the minimum amount due each monthAlthough a payment in the amount of $was received on March 11, 2014, a minimum payment of $was still required by his next due date, April 10,
The increased balance and subsequent charge-off of *** ***'s account was a result of non-payment*** *** made no additional payments after the $1,payment made on March 11, The balance remaining on his account at that time was $($principal and $late payment fees)We do not stop late payment fees or interest charges on accounts as they are assessed according to the terms of Credit Card AgreementHis account continued to accrue interest and additional late payment feesThe account was charged-off October 15, 2014, and placed with an agency to obtain payment
The signature provided on the CFNA application for credit is an electronic signature at made at the point of saleIt will not appear as or resemble a handwritten signature on a document
We regret that *** *** feels the business practices are unfair of misleadingWe take every opportunity to advise our customers of the terms, promotional plans and notify them monthly with their billing statement the required payments to fulfill their obligation
We hope our additional response will resolve this issueIf you need any further assistance, please feel free to contact me at 1-800-***
Sincerely,
Wrae ** V***
Credit First National Association
1-800-***
Enclosures
cc: *** ***

CreditFirst NATIONAL ASSOCIATION P.OBox I Cleveland, Ohio 44181-I www.CFNA.com October 4, 2017 Revdex.com, Inc*** ***-Dispute Resolution Specialist Euclid Avenue, 4th Floor Cleveland, OH 44115-2408 Re: Firestone Complete Auto Care Account in
the name of *** *** *** *** Dear *** ***: This letter is in response to your letter dated September 28, 2017, in regards to a complaint submitted by *** ***. Our records indicate that *** *** sent us a request to correct her pay history on June 29, After Researching *** ***'s account, we have determined that the rating submitted to the credit bureau was the result of a billing dispute. The rating reported for June by CFNA has been cleared, and a new corrected rating has been submitted to the credit bureaus. Please be advised that at this time there are no negative reporting's being sent to the credit bureaus in regards to *** ***'s account. As *** *** requested, we have enclosed all documents in our possession since the account openedThe documents include her signature on the application, an account transaction report for the past years, and a copy of the previous letter she sent to us and our response thereto. The meanings of the symbols in the account transaction report 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 We appreciate this opportunity to be of service. Sincerely, * *** ***/ro-Customer Service Customer Service Department, BK I Phone: Fax: I www.CFNA.com

April
27,
*** ***, Dispute Resolution Specialist
RevDex.com, Inc
Cleveland,
OH 44115-
Reference: *** * *** ***
Dear
*** ***:
Thank
you for providing the response from *** *** (complaint ID ***)
concerning our letter dated April 17,
The
manner in which an account is paid is reported to the major credit reporting
agencies monthly, according to the account billing cycle. Subsequent to *** ***'s most recent billing
cycle, (April 13, 2015), current and accurate information was reported to the
credit reporting agencies
As
stated in our previous communication, *** ***'s pay history was cleared and a
new rating has been sent to the credit reporting agencies
Our
records indicate that *** ***'s account was closed, per his email request, on
April 17, 2015; the same day the request
was received. *** *** was sent a confirmation letter verifying the date the
credit card was canceled at his requestThe letter also advises that we are in
the process of updating this status change with the credit reporting agencies
in his service area. The letter can take
-business days to be received
This
information should resolve *** ***'s concerns
Regards,
*** ***
Credit
First National Association
1-800-***

email copied and pasted by Revdex.com staff (NR) as follows: CreditFirst *** *** *** * *** *** *** * *** March 5, 2017 Revdex.com, Inc*** ***-Dispute Resolution Specialist Euclid Avenue, 4th Floor Cleveland, OH 44115-2408 Re:
*** Complete Auto Care Account #*** f** *** ** *** *** *** Dear *** *** This letter is in response to your correspondence dated February 13, 2017, regarding a complaint submitted by *** ** *** Please be advised our credit card agreement and monthly billing statements reflect payments must be processed to an account by 5:p.m., ET on or before your due date to be considered on timeAny payment made after the cut off timeframe will be applied to the account the following business dayIt is important to note that we do not hold or delay any payments being processed, as government guidelines stipulate that any payment due date falling on a weekend or holiday may be paid up until 5:p.mET the following business day. Attached is a transactional history of the account, which highlights the dates in which payments were scheduled by MrD*** through our websiteThis report shows all but one of his web issued payments were either made on the due date after 5:p.m., ET or after the due date (3rd of each month), thus resulting in a late payment fee being assessed. Recently, on February 13, 2018, MrD*** contacted us to discuss his accountAt that time a representative reviewed his account and explained our promotional plan and the account balanceDuring the conversation a late fee credit was offered, yet unfortunately MrD*** chose to close out his account instead. Pending the successful processing of MrD*** recent February 27, 2018, payment for $71.33, his account balance will be zero. Should you have any further questions regarding this matter, please feel free to reach out to the number provided below. Sincerely, Amanda C***Customer Service Customer Service Department, ** ** * *** *** * *** *** * ***

June 20, *** *** Revdex.com, Inc Euclid Ave, 4th Floor Cleveland, OH Reference: CFNA / Firestone Account ***
Revdex.com Complaint # *** Dear *** ***: Thank you for forwarding the above mentioned complaint filed by *** ** *** Please be advised that as of our last conversation with *** *** on June 13, 2017, no mention of a dispute has been madeCFNA has never received information regarding a service or product disputeThe only Consumer Affairs case we were able to locate was filed and resolved in November 2015, concerning tire availibilty*** *** continued to make purchases with his CFNA account through June We request that *** *** provide written documentation, details, and copies of all related service tickets in reference to the retailer dispute, for further investigation As shown on the attached Account Information Report, payments were applied as receivedA review of *** ***’s account not only reveals missed payments, but payments not equal to or greater than the minimum amount due as shown on his billing statementsAs a result, late payment fee charges were assessed, as specified in the terms of our credit card agreementA copy of the Credit Card Agreement has been enclosed for your referencePlease also find a copy of *** ***’s June 20, statement, which says, “You must pay your Promotional Balance in Full by the Promotional Due Date(s) Listed Above to Avoid Paying the Accrued Interest Charges.” In his case, the Promotional Balance (Payoff Amount) listed is $by the Promotional Due Date 11/15/16, which was not received Our records indicate that *** *** has received several courtesy adjustments, removing late payment fees as well as interest chargesHis account was also brought to a current status in December 2016, due to multiple statement returnsThe pay history was then cleared and revised to reflect on-time payments On June 13, 2017, we attempted to assist *** *** by offering to remove $105.00, representing three late payment fees, once his account was brought to a current status*** *** chose to decline this offer We would once again like to extend the offer to remove $in late payment fees if the account is brought up-to-dateWe are obligated to accurately report the manner in which the account was paid, in relation to our credit terms; therefore, we are unable to accommodate the request to alter the trade line *** ***’s phone number was removed from our dialing system, per his requestShould he wish to discuss his account further, he may contact our office at the number below for assistance Sincerely, Denise D*** | Credit Operations Credit First National Association 1-800-321- Enclosures

Please find the attached response

December 4, 2017 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 December 1, 2017, in regards to a complaint submitted by *** ** ***. Please be advised that when *** ** *** applied for this account, she signed the application acknowledging our credit card agreementThe credit card agreement advised her of all the conditions to her credit card, including but not limited to: late fees, cut off time, interest, and our time frame to dispute an error on her statement. Our records indicate that *** ***'s due date is the first of every monthIt is the consumer's responsibility to review her statement each monthPlease be advised that if *** *** sees an error on her statement, she must contact us within days to dispute the error. The 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 balance. Since *** *** made her qualifying purchase of $on April 22, 2017, each statement following for the next months showed a promotional purchaseThe statement included a "Promotional Balance", "Promotional Due Date", and "Interest Accrued". *** ***'s statements also notified her that her account was in a past due status on the first page of her statement under "Important Messages." Our records indicate *** *** processes her payments onlineWhen making an online payment after 5pm Eastern Time, our website does notify the consumer that the payment will be processed on the next business day. Late payment fees in the amount of $21.00, $19.00, and $were assessed to *** ***'s account, for her due dates of June 1, August 1, and November 1, 2017, as we did not receive a Minimum Monthly Payment by 5pm Eastern TimeAn accrued interest fee in the amount of $was assessed to *** ***'s account, because the promotional balance payoff was not received by her promotional due date of November 1, 2017. As a courtesy, we have processed a credit to *** ***'s account in the amount of $for the late payment fees and accrued interest fee assessed, and this credit will show on *** ***'s January 5, statementPlease be advised that *** *** will be responsible for future fees and this will be the final adjustment made to her account. We appreciate this opportunity to be of service.Sincerely, Amanda C*** Customer Service Customer Service Department, BK Phone: Fax: www.CFNA.com