Credit First National Association

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 *** ** *** ID: *** Dear ***
***: This letter is in response to your letter dated July 14, in regards to a complaint submitted by *** ** ***.Our records indicate billing statements for *** ***' account have been sent by mail since the account was opened in The address on file is also the address *** *** provided in his complaintThis account is also registered on our website, www.CFNA.comAs such, *** *** is also able to view his statements online. CFNA does not have an automatic payment feature; however, customers are able to schedule up to six payments at any given timeA review of our records indicate *** *** has chosen to primarily process payments though our websiteMost recently, *** *** scheduled six payments on January 21, 2017, with the last payment scheduled for May 2, 2017. After processing the May 2, payment, the account had a remaining balance of $On May 16, a new purchase was also made on the account in the amount of $156.84. Statements for this account are sent on the 8th of each monthBilling statements were sent for May 8, June 8, and July 8, Each statement indicates the minimum payment due by the 3rd of the following month. A late payment fee of $was assessed because the minimum payment was not received by June 3, A late payment fee of $was assessed because the minimum payment was not received by July 3, 2017. As a goodwill gesture, a $late fee credit has been applied and will reflect on the upcoming August 8, billing statementThis is a one-time courtesy*** *** will be responsible for future feesWe must respectfully decline the request to alter the credit reporting as our reporting is indeed an accurate portrayal of the manner in which the account has been paid. Sincerely,Amanda C***-Customer Service Customer Service Department, BK I Phone: I Fax: I www.CFNA.com

July 16,
*** ***, Dispute Resolution Specialist
Revdex.com, Inc
Cleveland, OH 44115-
Reference: *** * *** * ***
Dear *** *** :
Thank you for forwarding the complaint (ID ***) filed by *** ***
Enclosed is a copy of ***
***'s signed credit application as well as a copy of the Credit Card AgreementThe credit card terms remain the same as the previous two purchases *** *** made with his ***/CFNA accountAs shown on the attached Account Information Report, monthly payments were not consistently received, and as a result, late fee charges were assessed, as specified in the terms of our credit card agreement*** *** not only failed to meet his payment obligation of satisfying the principle purchase balance in question, there was no payment received on his account for five months
Accountholders are required to pay at least the Minimum Payment Due for each Billing Cycle by the Payment Due Date shown on their statementThe Minimum Payment Due for each Billing Cycle will be the grater of (a) 4% of the New Balance (rounded 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 the account balance in full)The New Balance used to determine the Minimum Payment Due includes Regular Credit Plan transactions and Promotional Plan balances*** *** acknowledged that he received a copy of the Credit Terms and Conditions when he signed the application for credit
CFNA records all incoming as well as outgoing calls for compliance purposesPlease be advised there is no record of a call with *** *** on March 11, 2014, nor is there a dispute noted in his file
A review of our records indicates that *** *** elected to receive his monthly statements electronically, beginning in March, We complied with his request, and beginning with his 3/15/billing, sent an email notification each month advising that his billing statement was available to himWe have not received any 'undeliverable' messages advising that our billing notifications were not being receivedIn a conversation with an Account Representative on 7/10/2015, *** *** acknowledged receipt, but did not open his statements
CFNA has an obligation to the three major Credit Bureaus to accurately report each account statusBased on the information outlined above, *** ***'s account is an accurate portrayal of the manner in which the account was paidWe cannot alter or delete information that compromises the integrity of our reporting
We hope this explanation will satisfactorily resolve this matterFor further assistance, you may contact me at the number below
Sincerely,
Denise D***
Credit First National Association
1-800-***
Enclosures
cc: *** ***

CreditFirst National Association May 22, 2017 Revdex.com, Inc*** ***-Dispute Resolution Specialist Euclid Avenue, 4th Floor Cleveland, OH 44115 Re: *** Complete Auto Complete Care Account in the name of *** ** *** ID: *** Dear *** ***: This letter is in response to your letter dated May 22, in regards to a complaint submitted by *** ** ***Enclosed is the Account Information Report showing the most recent charges and creditsThe meanings of the symbols are as follows: INT = interest charge INS/DP = insurance charge/debt protection P/A = payment amount P/D past due amount Balance = balance of that month's statement (-) = payment or credit Our records show that *** ***'s monthly statements are being mailed to the mailing address she included in her complaint and are not being returned*** ***'s statements are issued out on the 15th of every month for a payment due on the 10th of the following month. Late payment fees in the amounts of $each were assessed to *** ***'s account because her minimum payments were not received by her October 10, 2016, November 10, 2016, January 10, 2017, February 10, 2017, and May 10, due dates. Our records show that as of today's date *** ***'s account is past due*** ***'s credit limit was suspended due to her payment historyWhen an account is in a past due status we are unable to offer a credit limit review. All accounts are monitored on a continual basisThe amount of credit available on a customer's account is subject to change based on their payment habits with our Company and information obtained from credit reporting agenciesOur records indicate that the credit limit on *** ***'s account is zero. Once *** ***'s account is current she may contact Customer Service and request a credit limit reviewThis call does not guarantee a credit limit review. We appreciate this opportunity to be of service. Sincerely, Angela C*** Customer Service Enclosure Customer Service Department, BK I Phone: I Fax: I www.CFNA.com

[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,
*** ***

I have contacted Google for my Gmail and I can confirm from CFNA that my account did received the emails as they stated
One point I like to make is comparing to other financial institutions; I do receive a gentle reminder of payment due as I am showing bellowAt this point I am done with CFNA and will be closing my accountThanks Revdex.com for at least getting a formal explanation from CFNA since they were not wanting to share information with me

CreditFirst NATIONAL ASSOCIATION P.OBox I Cleveland, Ohio 44181-I www.CFNA.com October 10, 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 October 10, in regards to a complaint submitted by *** ** ***. Since M** *** added his two current users, *** ** *** and ** ** ***, our policy has changed to allow only one authorized user to be added to a card holder's accountHowever, we continued to honor authorized users added to an account prior to our policy change; that is why M** *** has been allowed to have two authorized users on his account to date.If M** *** wishes to make a change to the authorized users on his account, our current policy will apply and he will be subject to the new rule allowing a card holder to have only one authorized user on an accountIf M** *** wishes to add *** *** as an authorized user, he would need to remove *** ** *** and ** ** *** from his accountHe would also need to provide to CFNA in writing *** ***'s date of birth and social security number. We are unable to provide M** *** with a copy of our internal policy because this is proprietary information and used for internal purposes only. 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

Tell Reference: *** - *** *** Thank you for forwarding the above mentioned complaint filed by *** *** in reference to the account held by *** *** We are very sorry to
learn of the passing of Mr*** ***Because his account had been at a zero balance since 2013, we were not previously informed of MrS***’s passing. The store erroneously placed a sale on the account on September 17, This purchase has now been applied to the appropriate accountThe misapplied sale and all fees have been removed from *** ***’s accountThe account has been properly coded to allow for no more credit. We appreciate the time taken to bring this to our attention as well as the opportunity to correct the issueWe apologize to MrS***’s family for any distress this situation may have caused Sincerely, *** *** | Credit OperationsCredit First National Association1-321-1150 us why here

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

e-mail copied and pasted by Revdex.com staff (NR) as follows: CreditFirst NATIONALASSOCIATION P.OBox Cleveland, Ohio 44181-I www.CFNA.com March 1, 2018 Revdex.com, Inc*** ***-Dispute Resolution Specialist Euclid Avenue, 4th Floor Cleveland, OH
44115-2408 Re: Bridgestone Firestone Account in the name of *** ** *** *** *** Dear *** ***: This letter is in response to your letter dated February 14, 2017, in regards to a complaint submitted by *** ** ***. Please be advised we have been working with *** *** on his issueMost recently, Britt K***, Recovery Services Manager, reached out to him via email in an attempt to resolve his issuePlease find the email attached. We appreciate the opportunity to be of service. Customer Service Supervisor (216)362-5407 Enclosure Customer Service Department, BK I Phone: I Fax: I www.CFNA.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,
*** ***

November 27, 2017 Revdex.com, Inc. [redacted]-Dispute Resolution Specialist 2800 Euclid Avenue, 4th Floor Cleveland, OH 44115-2408 Re: Firestone Complete Auto Care Account in the name of [redacted] ID: [redacted] Dear [redacted]...

[redacted]: This letter is in response to your letter dated November 23, 2017, in regards to a complaint submitted by [redacted]. Our records indicate that [redacted] applied for a credit card in person at a Firestone store on October 13, 2016, in [redacted]. Attached is a copy of his signed application. On that same day he had services performed on a vehicle that is registered to him. The total sale was $1,059.68; however only $559.68 was put on his CFNA account. The sale was later disputed for work being done improperly.  On December 2, 2017 a credit in the amount of $308.29 was applied from the store to [redacted]'s CFNA account, leaving him with a balance of $146.39. On March 10, 2017 we received a check payment in the amount of $146.39, which paid the account in full. Our records indicate [redacted]'s account is currently open and active. We are not able to comply with [redacted]s request to change his account information being reported to the credit bureaus. 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 not to extend credit. Therefore, the accuracy and integrity of the information is essential. We appreciate this opportunity to be of service. Sincerely, Amanda C[redacted]-Customer Service

Dear [redacted]:Attached please find the response to [redacted] complaint.

August 25, 2015Revdex.com, Inc.[redacted] – Dispute Resolution Specialist2800 Euclid 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 23, 2015 in regard to [redacted] credit card.Our records indicate that a payment in the amount of $44 had been returned unpaid to our bank for non-sufficient funds in July 2015.  [redacted] was aware of this as he had contacted us by telephone to advise that the payment would be returned.  This returned check caused the account to show as 30 days past due to the three national credit reporting agencies.[redacted] contacted our Customer Service Department by telephone and by email on August 24, 2015.  In both the telephone conversation and the email response, he was advised that we have removed the 30 day delinquency with the credit reporting agencies.  An update will be sent to them on his cycle date which is the 15th of every month.  This update will remove the 30 day delinquency and show the account as paid as agreed and current.We hope that the above information meets with your satisfaction.Sincerely,Mary Ann K[redacted]Mary Ann K[redacted] | Customer Service SpecialistCredit First National Association6275 Eastland Road, Brook Park, Ohio 44142[redacted]  [redacted]

CreditFirst  NATIONAL ASSOCIATION P.O. Box 81315 I Cleveland, Ohio 44181-0315 I www.CFNA.com July 3, 2017 Revdex.com [redacted]-Dispute Resolution Specialist 2800 Euclid Avenue, 4th Floor Cleveland OH, 44115-2408 Re: [redacted] Account in the name of [redacted] ID: [redacted] Dear [redacted]: This letter is in response to your letter dated June 30, 2017 in regard to a complaint submitted by [redacted] L. [redacted]. A late payment fee in the amount of $25 was assessed to Ms. [redacted]'s account because a minimum payment was not received by her due date of January 13, 2017. Per Ms. [redacted]s' credit card terms she must pay at least the Minimum Payment Due for each Billing Cycle by the Payment Due Date shown on her statement. The 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) $19 (or any amount less than $19 needed to pay your Account balance in full). The New Balance used to determine Ms. [redacted]'s Minimum Payment Due includes Regular Credit Plan transactions and other Promotional Credit Plan balances. Our records show that late payment fees in the amounts of $25, $31,$35, $35, $35 and $35 each were assessed as we did not receive the full minimum payments due by Ms. [redacted]'s January 13, February 13, 2017, March 13, 2017, April 13, 2017, May 13, 2017, and June 13, 2017 due dates. As a courtesy, we have processed a credit to the account in the amount of $105 for three of the late payment fees assessed to Ms. [redacted]'s account. No further credit is forthcoming. We appreciate this opportunity to be of service. Sincerely, Angela Corp Customer Service Customer Service Department, BK 11 I Phone: 800.321.3950 I Fax: 216.362.5069 I www.CFNA.com

April 19, 2016Revdex.com, Inc.[redacted] – Dispute Resolution Specialist2800 Euclid Avenue, 4th FloorCleveland, OH 44115-2408Re:  Account in the name of [redacted]ID:   [redacted]     Dear [redacted]:This letter is in response to your letter dated April 7,...

2016 in regard to a Firestone Complete Auto Care credit card.On April 6, 2016, [redacted] contacted our office and stated the sale dated March 26, 2016 in the amount of $846.93 was not authorized by her.  We started our investigation on April 7, 2016 and applied a temporary adjustment to [redacted] Pttman’s account, and sent a confirmation letter to [redacted] stating the sale was being investigated and the amount had been placed on a temporary hold and a security flag was place on [redacted]’s CFNA account.On April 19, 2016, the investigation was completed and we determined the temporary adjustment of $846.93 will remain as a permanent credit on her CFNA account. The security flag will not be removed unless requested by [redacted]. A letter was sent to [redacted] explaining the findings of the investigation on April 19, 2016.We hope that the above information meets with your satisfaction.Sincerely,C. L. W[redacted]Chastity L. W[redacted] | Refute / Dispute Sepcialist tCredit First National Association6275 Eastland Road, Brook Park, Ohio 44142P: 800.321.3950  F: 216.362.5069Customer Service Department, BK 11  |  Phone: 800.321.3950  |  Fax: 216.362.5069  |  www.CFNA.com

All of my information has since changed except for my social, obviously. So with that hopefully you can look me up. [redacted]

From: [redacted]Date: Tue, Aug 11, 2015 at 1:07 PMSubject: Re: Complaint against Credit First National Association. ID [redacted]To: [redacted],Today, I spoke with Alex K[redacted], Head of Operations from Credist First (For Firestone). He was very nice, understanding, and non-judgmental. We both came to a fair and reasonable payment arrangement for 3 months until the  end of October. He would reach out back to me by then. His number is [redacted].I will pay $15 by the 18th of this month and $25.00 by 18th of September and October. I told him if I can't pay the $25.00 by then, he told me just call him. But he was very fair unlike those two other females I spoke with (Robin and Rochelle).My complaint is now resolved.Thanks![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.
Regards,
[redacted]

Tell us why here... Dear Rhonda W[redacted]  Thank you for forwarding the complaint filed by [redacted] Our records reflect the above credit card was opened March 23, 2011, with the last purchase recorded on May 23, 2012. Ultimately, this account charged-off due to non-payment on...

June 27, 2013 with an outstanding balance of $910.50. A proposal of 45% (409.73) of the balance due was accepted as payment in full and received on February 9, 2017. A review of our records confirms that this account is being reported with a zero balance. Please understand that it can take a period of time to update records with the credit bureaus. An additional request was submitted to the credit reporting agencies today via Automated Universal Data Form (AUD) to ensure the correct information is being reported. A copy of that correspondence is enclosed for your records. Should Ms. B[redacted] continue to experience issues related to reporting of this account, we encourage her to contact us directly at 1-877-888-0844 for assistance. Sincerely,   Denise D[redacted] | Credit OperationsCredit First National Association1-800-321-1150  Enclosure

e-mail copied and pasted by Revdex.com staff (NR) as follows: March 1, 2018 [redacted], Dispute Resolution SpecialistRevdex.com, Inc.2800 Euclid  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 Mr. W[redacted] had filed Chapter 13 Bankruptcy, hisaccount was noted and the appropriate steps were taken. As a result, the pay history onMr. W[redacted]’s account has been updated to reflect that his payments have beensubmitted on time. Please 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 completed. Should you have any additional questions, please feel free to contact us at [redacted], orby mail at the address provided above. We 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 44142[redacted]