Credit First National Association

______________________________________________________________________ BK-16 / Credit Operations PO Box 81410 Cleveland, Ohio  44181-0410   July 17, 2017     [redacted], Dispute Resolution Specialist 2800 Euclid Ave, 4th Fl. Cleveland, OH 44115-2408    ...

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 $153.00 posted to the account on February 19, 2016. This payment was returned by the bank on February 25, 2016 due to insufficient funds. Subsequently, a letter was sent on February 27, 2016 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 due. System generated collection letters are also sent out to accountholders according to the account’s delinquency. A 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 paid. Unfortunately, we are unable to accommodate the request to alter the trade line. Ms. [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 877-888-0844 for assistance. We are available Monday through Friday from 8:00 a.m. to 4:30 p.m., Easter Standard Time.        Sincerely,     Lisa G[redacted] | Credit Operations Credit First National Association 1-800-321-1150   Enclosures

The concern was with the disclosure given afterwards, had it been given previously, I would have been able to review the Credit terms which they did a hard financial...

background for $2600.00, in which most Banks require for a Real state purchase. The Credit disclosures should be available to customers and placed at the pos.. The Rebate and purchase were never an issue, it was explained and understood, the consumer should not lose 15 points on their Credit for a low amount on a Credit Card$2600.00) Credit limit)I have never lost 15 points on any Credit Card I have had. The$1080.00 charge was paid off in 2-weeks, had I known about the hard core financial verification, I would have placed it on my Visa or MC.Sent from my iPhone[redacted]

December 21, 2016 Revdex.com, Inc [redacted]-Dispute Resolution Specialist 2800 Euclid Avenue, 4th Floor Cleveland, OH 44115-2408 Re: Bridgestone Dealer Account in the name of [redacted] ID: [redacted] Dear [redacted]: This letter is in...

response to your letter dated December 20, 2016 in regard to a complaint submitted by [redacted]. Per Mr. [redacted]'s account terms, payments must be processed to his account by 5:00 p.m., ET on or before his payment due date. If the payment is made after the payment cut off time on his due date he would be required to date his payment for the next date as it would already be considered past due. A late payment fee in the amount of $35 was assessed to Mr. [redacted]'s account because a minimum payment was not received by his due date of September 22, 2016. Our records show that Mr. [redacted]'s payment was scheduled for September 23, 2016. This would show us that if Mr. [redacted] did make a payment on September 22, 2016 it was made after 5:00p.m., ET cut off time and he would be required to make his payment for the 23rd. Late payment fees in the amount of $35 each were assessed to Mr. [redacted]'s account because the full minimum payment due was not received by his October 22, and November 22, 2016 due dates. We are unable to honor his request to issue a credits for the late payment fees assessed. Our records show that in January 2016 we issued a credit totaling $60 for previous late payment fees assessed. In regards to Mr. [redacted]'s statement he said he received an email confirmation in regards to his payments. Please be advised that we do not send email confirmations regarding payments being received. When a payment is received via our online payment option the payment page returns with a confirmation number providing the payment information. We appreciate this opportunity to be of service. Sincerely, Angela C[redacted] Customer Service

Attached are the documents requested.

CreditFirst  P.O. Box 81315 I Cleveland, Ohio 44181-0315 I www.CFNA.com May 23, 2017 Revdex.com [redacted]-Dispute Resolution Specialist 2800 Euclid Avenue, 4th Floor Cleveland, OH 44142 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, 2017 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.com. Please note: Customers registered for electronic statements will not receive paper statements. Our records show that as of today's date [redacted]'s account is past due. Once [redacted]'s account is current she may contact Customer Service and request a credit limit review. This call does not guarantee a credit limit review. [redacted]'s payment due date is the 10th of every month. Minimum 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 scheduling. The website will provide an individual confirmation number for each payment. [redacted] would need to retain these confirmation numbers for her records. We appreciate this opportunity to be of service. Sincerely, Angela C[redacted]Customer Service Customer Service Department, BK 11 I Phone: 800.321.3950 I Fax: 216.362.5069 I www.CFNA.com

November 29, 2017Revdex.com[redacted] Dispute Resolution Specialist2800 Euclid Ave, 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 November 28, 2017, in regards...

to a complaint submitted by [redacted].We received [redacted]’s dispute on October 2, 2017. A letter was emailed to the [redacted]’s corporate office requesting a letter advising if credit was due on the account. If [redacted] found no credit is due, we requested they provide the reason why no credit is due.We received an email from the corporate office on November 21, 2017. The manager, [redacted], advised no credit is due on the account. [redacted] indicates that [redacted] was aware of all charges, and upon completion of the vehicle, she never had any contact with the store to advise them of any issues she was experiencing. A letter was sent to [redacted] on November 28, 2017 indicating no credit is due, and to contact [redacted] directly at [redacted] to discuss any compliant with the service. We also attached the letter from [redacted] for her review. A credit was issued to [redacted]’s account in the amount of $ 97.27 for the late fees and interest charged to her account. The new balance on the account is $1,249.00 and the new 6 month promotional period will end on June 8, 2018.We appreciate this opportunity to be of service. Sincerely,Melissa V[redacted]Customer Service

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution.
It still saddens me they refused to do anything to resolve a simple
software issues till Revdex.com got involved as somewhat of a mediator
Regards,
[redacted]

Please see the attached response

CreditFirst  NATIONAL ASSOCIATION August 24, 2016 P.O. Box 81315 I Cleveland, Ohio 44181-0315 I www.CFNA.com Revdex.com, Inc. [redacted] — Dispute Resolution Specialist 2800 Euclid Avenue, 4th Floor Cleveland, OH 44115-2408 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, 2016 in regard to [redacted]'s Tires Plus credit card. The enclosed printout shows the transactions applied to his account for the period of time in question. The 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 $1,304.73 was made on July 11, 2015 and was applied to a different account. On July 29, 2015, we were advised by that accountholder that it was not her purchase. Upon investigation, when we located the correct account, we moved the purchase to Mr. [redacted]'s account on September 10, 2015 and his first statement was processed on October 5, 2015. On December 3, 2015, Mr. [redacted] contacted us to advise that he wasn't receiving any statements. At that time our representative advised him that he had previously elected to receive electronic notifications when he registered his account online at CFNA.com. We removed $60 in late payment fees for him and he made a payment of $130 on December 10, 2015. He did not request to change his preference back to paper statements. The account then went another 30 days past due when he did not remit either his February or March 2016 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]

April 12, 2016Revdex.com, Inc.[redacted]-Dispute Resolution Specialist2800 Euclid 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, 2016 in regard to a complaint submitted by [redacted] M. [redacted]. We show that Ms. [redacted] elected to receive electronic notifications instead of paper statements. Electronic notifications have been sent to the same email address since November, 2010. A record of statement delivery appears below.01/10/2016Primaryjc[redacted]@msn.com2016-01-11 12:20:19 12/10/2015Primaryjc[redacted]@msn.com2015-12-11 10:07:33 11/10/2015Primaryjc[redacted]@msn.com2015-11-11 09:39:17 10/10/2015Primaryjc[redacted]@msn.com2015-10-12 09:49:59 07/10/2015Primaryjc[redacted]@msn.com2015-07-13 09:27:22 09/10/2014Primaryjc[redacted]@msn.com2014-09-11 09:26:30 01/10/2014Primaryjc[redacted]@msn.com2014-01-13 09:05:35 12/10/2013Primaryjc[redacted]@msn.com2013-12-11 11:09:20 11/10/2013Primaryjc[redacted]@msn.com2013-11-11 11:36:36 10/10/2013Primaryjc[redacted]@msn.com2013-10-11 11:05:53 07/10/2013Primaryjc[redacted]@msn.com2013-07-11 08:53:09 06/10/2013Primaryjc[redacted]@msn.com2013-06-11 10:23:45 02/10/2013Primaryjc[redacted]@msn.com2013-02-11 10:40:25 01/10/2013Primaryjc[redacted]@msn.com2013-01-11 08:54:15 12/10/2012Primaryjc[redacted]@msn.com2012-12-11 10:18:53 11/10/2012Primaryjc[redacted]@msn.com2012-11-13 08:46:39 10/10/2012Primaryjc[redacted]@msn.com2012-10-11 08:47:50 04/10/2012Primaryjc[redacted]@msn.com2012-04-11 09:03:16 03/10/2012Primaryjc[redacted]@msn.com2012-03-13 09:52:50 12/10/2011Primaryjc[redacted]@msn.com2011-12-13 09:04:38 10/10/2011Primaryjc[redacted]@msn.com2011-10-12 13:55:24 11/10/2010Primaryjc[redacted]@msn.com2010-11-11 09:42:57Ms. [redacted] contacted our Customer Service Department via email on January 19, 2016 stating that she did not receive statements. She requested credit toward the two late payment fees which were assessed. We processed a credit in the amount of $35.00 for the greater of the two fees, as a courtesy. This credit appears on Ms. [redacted]’s February 10, 2016 statement. As a courtesy, we have corrected the payment history which was previously reported to the credit reporting agencies and a new corrected rating has been submitted. We hope the above information meets with your satisfaction.Sincerely,Christine K[redacted]Christine K[redacted] | Customer Service SpecialistCredit First National Association6275 Eastland Road, Brook Park, Ohio 44142P: 800.321.3950  F: 216.362.5069

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 signature. I completely reject and any reasonable person would reject the "signature" that they provided and claim is mine. It is NOT my signature. This is a MISLEADING and DECEPTIVE business practice. I reject their agreement completely. They 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 off. They attempted to blame me for not following up after my original complaint about the original $35 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 6 months(4) there is a raw cruelty and viciousness about these individuals and CFNA organization. They attempt to ruin someone's credit over a $100 dispute that they made no effort to resolve. Rather than resolve the dispute they add numerous unagreed charges then charge off the account??? and present a signature that is not mine as evidence. I reject this entirely.
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.
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

CreditFirst  NATIONAL ASSOCIATION P.O. Box 81315 I Cleveland, Ohio 44181-0315 I www.CFNA.comJanuary 29, 2018 Revdex.com, Inc. [redacted]-Dispute Resolution Specialist 2800 Euclid Avenue, 4th Floor Cleveland, OH 44115-2408 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 complaint. The representative agreed to credit her January late fee in the amount of $25.00. 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 month. Our records indicate that [redacted] spoke with a representative on January 25, 2018. 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 date. At this time we do not have a pay ahead option. Minimum payments are required each month, until the account is paid in full. Her most recent statement was sent on January 23, 2018, showing a minimum payment of $68.00 due February 18, 2018. Since we processed a credit to the account, the new minimum payment is $43.00 due February 18, 2018. [redacted]'s Promotional balance remains the same: $420.90 due June 18, 2018 to avoid incurring the accrued interest. We appreciate this opportunity to be of service. Sincerely, Amanda C[redacted]-Customer Service Customer Service Department, Phone: 800.321.3950 Fax: 216.362.5069 www.CFNA.com

Dear [redacted]:Thank you for forwarding the above mention complaint filed by [redacted], which is in reference to our accountholder, [redacted].A review of our file indicates a sale in the amount of $254.00 on March 6, 2016, which was applied to the account of [redacted]. This sale was then...

reflected on the March 10, 2016 billing statement.Furthermore, our records show [redacted] elected to receive monthly e-statements beginning October, 2015. Complying with the request, we sent monthly email notifications advising the monthly billing statement was now available for view. We have confirmed the email address provided in the complaint matches the same as that currently listed on the account.Should any accountholder opt for Credit First to use checking account information on file for future payments, a signed ACH Authorization Agreement is first required outlining the dates and payment amounts intending to pay. This ACH Authorization Agreement allows individuals the ability to schedule up to six future payments.Due to the misunderstanding relating to billing statements, we have agreed to remove $124.00 in late fees previously assessed to the account and remove any derogatory information related to this situation. We are currently sending an update to the credit reporting agencies and are in the process of adjusting the late fees promised. Once completed, a balance of $16.12 will remain, subject to future activity.Sincerely, ODenise D'[redacted] | Credit OperationsCredit First National Association1-800-321-1150

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]

September 21, 2016     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]:   This letter is...

in response to your inquiry dated September 20, 2016 in regard to [redacted]’s Firestone credit card.   Our records indicate that this account was opened on May 23, 2015. In June 2015, Mr. [redacted] registered his credit card online at CFNA.com. At that time, he elected to receive enotifications for his statements and provided his email address.   We have copied below directly from the webmaster a copy of his estatement log that shows the exact time and date stamp that his notifications were accepted at his email address.   Stmt Date Notify Type Email Address Date Notified Date Bounced Bounce Code Action Taken Action Date 07/05/2016 Primary [redacted].[redacted]@gmail.com 2016-07-06 09:28:15         06/05/2016 Primary [redacted].[redacted]@gmail.com 2016-06-06 09:25:34         05/05/2016 Primary [redacted].[redacted]@gmail.com 2016-05-09 10:43:40         04/05/2016 Primary [redacted].[redacted]@gmail.com 2016-04-06 09:25:19         10/05/2015 Primary [redacted].[redacted]@gmail.com 2015-10-06 09:52:42         09/05/2015 Primary [redacted].[redacted]@gmail.com 2015-09-07 09:59:29         08/05/2015 Primary [redacted].[redacted]@gmail.com 2015-08-06 09:46:43         07/05/2015 Primary [redacted].[redacted]@gmail.com 2015-07-06 09:48:17           The enotifications were all delivered and accepted as shown above to the email address that Mr. [redacted] provided.   We are unable to honor his request to clear the derogatory pay history on his account. 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 hope that the above information meets with your satisfaction.   Sincerely, Mary Ann K[redacted] Mary Ann K[redacted] | Customer Service Specialist Credit First National Association 6275 Eastland Road, Brook Park, Ohio 44142 P: 800.321.3950 F: 216.362.5069

January 8, 2016 Revdex.com, Inc. [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 January 8, 2016 in regard to a complaint submitted by [redacted]. We have reviewed [redacted]'s complaint. Our records show that [redacted]'s account went past due for her due dates of July 20, August 20, September 20, October 20, and November 20, 2015. As a courtesy, we issued the following adjustments: $19 for the late payment fee assessed in July 2015 and in December 2015 we processed a one month payment adjustment on [redacted]'s account. This adjustment prevented another late payment fee from being assessed to her account. After researching [redacted]'s account it has been determined that no further credits will be given for the late payment fees assessed.  Per the terms on [redacted]'s account she is required to pay the full minimum payment due each month by her payment due date. We hope that the above information meets with your satisfaction. Sincerely, Angela C[redacted] I Customer Service Specialist

CreditFirst  NATIONAL ASSOCIATION P.O. Box 81315 I Cleveland, Ohio 44181-0315 I www.CFNA.com July 28, 2017 Revdex.com [redacted]-Dispute Resolution Specialist 2800 Euclid Avenue, 4th Floor Cleveland, OH 44115-2408 Re: Firestone Complete Auto Care Account in the...

name of [redacted]Dear [redacted]: This letter is in response to your letter dated July 28, 2017 in regards to a complaint submitted by [redacted]. Credit First National Association received a phone call from [redacted] on November 14, 2016 requesting that his account be closed due to the late payment on his account. At that time we did advise [redacted] that we were unable to correct any payment history on his account. [redacted] was advised that his account went 30 days past due on October 2015. Per his request, his account was closed on November 16, 2016. [redacted] was advised that in order to investigate his claim of inaccurate information being reported, he would need to send a written letter advising of the dates in question and why his account went past due. As of today's date we have not received this information. If [redacted] would like to dispute the rating he may send the above listed information to the address listed below. Credit First National Association BK11/Customer Service PO Box 81315 Cleveland, OH 44181-0315 We have included a copy of [redacted]'s payment history. We appreciate this opportunity to be of service. Sincerely, Angela C[redacted] Customer Service Customer Service Department, BK 11 I Phone: 800.321.3950 I Fax: 216.362.5069 I 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 $105.  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 services. I 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]

Hello,This is our answer to the customer regarding reference # [redacted]. Please post our answer publicly. Thanks for your attention in this matter. We’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 others. First, your vehicle was impounded by the police department after it was abandoned on a public street. This was entirely in your control, not ours. You next abandoned your vehicle at our police storage facility for over half a month, incurring a large storage bill. Again, this was entirely in your control, not ours. Finally, 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 about. They advised us there was no mistake. And to clarify, the Calif. Vehicle code defines a highway as a publicly maintained place or way, open to the use of the public for purposes of vehicular travel. Highway includes street. (360).You were unfortunately quite verbally abusive and unreasonable on the phone, forcing us to end the call several times. Telephone 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 vehicles. This benefits Seal Beach residents and their guests by freeing up pubic parking for everyone to use. And we, in turn, are also following the law regarding your impounded vehicle. You are legally responsible for the towing and storage charges you’ve incurred. Of course, if you had picked up your vehicle in a reasonable time frame, the bill would be much lower.Sincerely,Rossmoor Towing