Credit First National Association

(the following was copy/paste by revdex.com staff - [redacted] december 8, 2017revdex.com, inc. [redacted] – dispute resolution specialist2800 euclid avenue, 4th floorcleveland, oh 44115-2408re:   homepass credit card for [redacted] complaint#:     [redacted]      ...

Dear [redacted] : this letter is in response to your email dated december 1, 2017 in regards to a homepass credit card account administered by credit first national association (cfna) .   our records indicate that we received 5 credit card applications from the internet for [redacted] in november of 2017: approved -   homepass credit card application on 11/10/2017 approved  - firestone complete auto care credit card application on 11/03/2017 declined   -  ramona credit card application on 11/10/2017declined  -    autopass tire service centers credit card application on 11/11/2017      declined  -    bridgestone credit card application on 11/11/2017                                        a consumer is given a choice of credit cards when they go to our website:   www.cfna.com.  our website then asks the consumer for a zip code and “industry” and it then searches for credit cards available in that geographical area.   a consumer chooses whether they want to find a credit card in the “automotive” industry or “home improvement” industry.    [redacted] was approved for a homepass credit card on 11/10/2017 and we sent her a credit card.   according to [redacted] , the home improvement store in her area refused to accept the credit card.   she then notified us that the home improvement store refused her card and we contacted the merchant on her behalf.   they then informed us that they made a personal decision to stop accepting the cfna credit card and never notified us. We immediately disabled the store location from our website.   unfortunately, this was the only “home improvement” location accepting the cfna card within 100 miles of [redacted] ’s zip code.   the closest home improvement store I found is 300 miles away:   [redacted] .   it is our policy to only allow a customer to have one “interchangeable” credit card with cfna.    we have already approved [redacted] for an “automotive” credit card, which is firestone complete auto care (fcac) .   she can use the fcac card at ramona, autopass tire service centers and firestone since it is an interchangeable card. Since there are no home improvement stores accepting the cfna card in [redacted] ’s area, we offered to close the account and remove our hard credit inquiry from [redacted] ’s credit bureau report.   at this time, this is the only resolution we can offer.   i have enclosed a letter that [redacted] will need to complete and return to us if she chooses to close the account.   we certainly thank [redacted] for bringing this store’s actions to our attention and hope that she continues to use her firestone complete auto care credit card.   however, we cannot “move” the homepass credit limit to this card, as requested by [redacted] . If there are further questions or concerns, I can be contacted at 216-362-5154. Sincerely, catherine I [redacted] compliance coordinatorcredit first national association (cfna) 6275 eastland road brook park, oh 44142phone: 216.362.5154  fax: 800.628.8449

Bk-16 / credit operations po box 81410 cleveland, ohio  44181-0410   august 14, 2017     [redacted] , dispute resolution specialist revdex.com, inc. 2800 euclid ave. , 4th fl. Cleveland, oh 44115     reference:   cfna / [redacted]                       revdex.com complaint id [redacted]   dear [redacted] :   thank you for providing the response from [redacted] concerning our letter dated july 10, 2017. We are in receipt of the third party invoice and appreciate [redacted] providing the additional information.     according to the invoice supplied by [redacted] , a refund of $629.33 was issued by [redacted] on october 18, 2016, to make him whole for the additional work performed on his vehicle by [redacted] on october 14, 2016.   [redacted] ’s consumer affairs case (# [redacted] ) was closed before his account cycle reported to the credit reporting agencies; therefore the dispute coding was applied and removed during the same billing cycle. Cfna has since coded the account in dispute, per the customer’s request.   we have removed all fees previously assessed and reinstated [redacted] ’s balance to $585.01. The pay history has been corrected and electronic notification has been sent to the credit reporting agencies to update their files, removing any negative information. The email [redacted] received on august 10, 2017, confirming this information, as well as a copy of the automated universal data form, are attached for review.   we hope this information satisfactorily addresses the concerns stated in the above complaint. If there are additional questions, please contact our office at the number below for assistance. We are available monday through friday from 8: 00 a. M. To 4: 30 p. M. , eastern standard time.   sincerely,     denise d [redacted] | credit operations credit first national association 1-800-321-1150 x5494   enclosures

Reference:   [redacted]
 
dear [redacted] :
 
thank you for forwarding the complaint [redacted] filed
by [redacted] .
 
our records indicate that a paper billing statement was
mailed to [redacted] on january 13, 2015.  
[redacted] then...

Elected to receive electronic notifications. Email
notifications went to the email address provided on february 16, 2015 and march
16, 2015, alerting [redacted] that his [redacted] statements were ready to be
viewed. These notifications were sent to the same email address  ( [redacted] )  as his complaint submitted with your office.
These notifications were not returned as undeliverable. At his request,   [redacted] was reverted back to paper
statements per his email request on march 20, 2015. We have not received any
returned postal mail on [redacted] 's account.  
a copy of the customers statements log and estatement log have both been
included for your information.
 
we apologize if there was some misunderstanding regarding
the six month terms agreement. As of this time, [redacted] has had no interest
charges added to his account.
 
previously, [redacted] was given a late payment fee credit of
$25.00. Since then his account was assessed another $25.00 fee. As a courtesy,
I have removed this $25.00 late payment fee. I have also corrected the pay
history on the account and this will be reflected on his credit bureau report.
 
a paper billing statement was mailed out  to [redacted] 's home address on april 13,
2015. His complaint was submitted april 16, 2015, so he likely would not have
received it yet. I have included a duplicate copy of his april statement per
his request. Please be advised the balance on this billing statement reflects
the $25.00 fee which has now been removed, as stated above.
 
I have confirmed that [redacted] 's online account is
unlocked.  there is a link under the
login window to assist with retrieving user name and password information.
Should further assistance be required, [redacted] is welcome to call the
customer service line, at 1-800 - [redacted] .
 
I hope this information has been beneficial and will
satisfactorily resolve this matter.
 
sincerely,
 
[redacted]
credit first national association
1-800 - [redacted]
 
cc: [redacted]
 
enclosures: customer statement log
                   estatement
log
                   duplicate copy april billing
statement

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] l. [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] . [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

[redacted]
RE:   Credit First
National Association Account [redacted]
Dear [redacted] ,
This letter is sent to you as proof of enrollment for Credit
First Protection.   Your call to customer
service...

stated that you requested a copy of your enrollment in the Credit First
Protection.
The signed and dated enrollment was received on November 13,
2008.  The stamped date served as the
effective date of Credit First Protection enrollment.  Also stated, you may cancel at any time.   If cancelled within the first 30 days, any
premium charged would be credited to your account.
If you need to request activation forms, you can do so by
contacting [redacted] at 1 - [redacted] .    
Thank you for giving us this opportunity to be of service.
Sincerely,
 Credit First National Association

February 1, 2016 Revdex.com Inc. [redacted] - Dispute Resolution Specialist 2800 Euclid Avenue, 4th Floor Cleveland, Ohio 44115-2408 Re: Firestone Complete Auto Care Account in the name [redacted] ID: [redacted] Dear [redacted] : This letter is in response to your letter...

dated February 1, 2016 in regard to a complaint submitted by [redacted] .  After researching the account, we have determined that the rating being submitted to the credit bureau was corrected on December 15, 2015. Mr. [redacted] was issued a credit for a service dispute with his local Firestone Complete Auto Care Store. The pay history was corrected and the three National Credit Reporting Agencies were notified on January 14, 2016.  I have requested another credit bureau update to reflect his account as paid in full with no derogatory information and $1,600 credit limit.  We hope the above information meets with your satisfaction.  Sincerely, Judy P [redacted] Judy P [redacted] / Customer Service Specialist CreditFirst National Association

BK-16 / Credit Operations PO Box 81410 Cleveland, Ohio  44181-0410   September 6, 2017     [redacted] Dispute Resolution Specialist 2800 Euclid Ave 4th FL Cleveland, OH 44115-2408      ...

Reference:   CFNA / Bridgestone Dealer Account #xxxxx [redacted]                       Revdex.com / Complaint ID # [redacted]    Dear [redacted] :   Thank you for forwarding the above mentioned complaint filed by [redacted] .   Our records reflect that the above credit card was opened on April 3, 2017, with the last purchase made on May 1, 2017. Billing statements were mailed out to the address provided, and no mail was returned. Ms. [redacted] scheduled a payment of $31.00 on June 15, 2017, through our automated phone system. There have not been any other payments received.   Ms. [redacted] last contacted us on August 21, 2017. She spoke with an account representative who explained the status of her account. However, the account remains in default with $193.00 due by September 8, 2017. No arrangements have been made to pay this amount thus far.   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. We encourage Ms. [redacted] to call and make arrangements to pay the past due balance.   If there are any additional questions or concerns regarding this account, please contact our office directly at 1-800-321-1150. We are available Monday through Thursday from 8: 00 AM to 10: 00 PM, Friday from 8: 00 AM to 4: 30 PM, and Saturday from 8: 00 AM to Noon, EST.          Sincerely,     Lisa G [redacted] | Credit Operations Credit First National Association 1-800-321-1150

October 2, 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 September 30, 2015 in regard to                             [redacted]’s [redacted] credit card.Our records indicate that this account was opened directly at [redacted] on                         March 31, 2015.  When an account is opened at the store, the store will require the customer’s drivers license for identification.  [redacted] states that the store typed in her name as it was on the license.  This is correct, it is Company procedure.  This information will then be called into our Credit Authorization Department for credit approval.  At that time, the credit bureau also had her name as [redacted] and that is how her account was opened.[redacted] can change her name with us at any time by remitting the proper identification to our Customer Service Department.  We require a copy of her legal court document, marriage certificate/divorce certificate, or a letter from her attorney indicating a legal name change with a copy of her driver’s license.We apologize for the inconvenience this may have caused [redacted], however, the documentation is required for proof of identity so that we may safeguard all of our customer’s identification.  We hope that the above information meets with your satisfaction.Sincerely,Mary [redacted] K[redacted]Mary [redacted] K[redacted] | Customer Service SpecialistCredit First National Association6275 Eastland Road, Brook Park, Ohio 44142
[redacted]  [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.
The data provided does not prove that I received the emailed statements. They should be able to provide data on whether the emails were opened which would validate their claim that they were sent. In the list provided there are gaps when even they are admitting they did not send a statement. Further more they are still reporting to the credit bureaus that I made a late payment.
Regards,
[redacted]

July 10, 2017     [redacted] Dispute Resolution Specialist Revdex.com, Inc. 2800 Euclid Ave., 4th Fl. Cleveland, OH 44115     Reference:  CFNA / [redacted]...

                      Revdex.com Complaint ID [redacted]                       Dear [redacted]:   Thank you for your forwarding the above mentioned complaint filed by [redacted].   Our records indicate that a sale purchase of $585.01 was placed on [redacted]’s CFNA / [redacted] credit card account on October 9, 2016. A copy of the sales invoice has been enclosed for review.   [redacted] was dissatisfied with the goods and services he received and returned to the retail location October 15, 2016. The store manager confirmed that services were provided at no charge to resolve the service complaint and a credit of $629.33 was then issued to a different credit card, a Visa ending in [redacted]. This refund covered both the original sale of $585.01 plus the cost of additional parts. A duplicate copy of the service ticket for this refund has been included for reference.   [redacted]’s merchant complaint was resolved and a refund for the entire purchase amount was issued to a Visa credit card, therefore, the outstanding balance on his CFNA / [redacted] account remains his responsibility.   CFNA received the written dispute from [redacted] on January 11, 2017 and it was resolved on January 26, 2017. Copies of the letters that were mailed to his postal address have been enclosed.   Because [redacted] is a valued customer with an exceptional pay history prior to this incident, we will agree to remove $216.79, representing all late payment fees and interest, if payment of the principal purchase of $585.01 is received by August 15, 2017. Upon receipt of this payment, we will update his credit bureau reporting, removing any negative information during the period in question.   This offer is made as a goodwill gesture in order to settle this account balance in a mutually agreeable manner. We appreciate this opportunity to be of assistance.   If there are any additional questions or concerns regarding this account or the enclosed information, please contact our office directly at 877-888-0844 for assistance. We are available Monday through Friday 8:00 a.m. to 4:30 p.m., Eastern Standard Time.   Sincerely,     Denise D[redacted] | Credit Operations Credit First National Association 1-800-321-1150   Enclosures

Consumer provided rebuttal by phone 8/24/15-[redacted]Consumer states that he did not ask for a copy of the check, he states that he asked for the check back that had "do not deposit on it." Consumer states that the company can either send them the check back or show where the account has been credited back. Consumer states that he made a payment on the 18th of August  to another account and the consumer states that the company then charged him a late fee when the payment was made on time. Consumer feels that the company did this out of retaliation. He states that they did take the late fee off as of this morning but dropped his available credit.

August 17, 2015 Revdex.com, Inc. [redacted] — Dispute Resolution Specialist2800 Euclid Avenue, 4th FloorCleveland, OH 44115-2408 Re: Account in the name of [redacted] ID: 10767595 Dear [redacted]: This letter is in response to your letter dated August 17,...

2015 in regard to a Firestone Complete Auto Care credit card. On May 11, 2015 [redacted] contacted our office to refute a sale in the amount of $96.95 dated March 4, 2015. On May 14, 2014 a plate search was performed and found that the purchaser is [redacted], at which time a letter was sent to [redacted] notifying her of the fraudulent purchase. No response was received from [redacted]. On June 9, 2015, [redacted] was sent a statement of refuted charge form to be completed and returned to Credit First National Association so we may finalize the investigation and remove the charge. Mr. [redacted] was advised on the form that the purchase was made by [redacted]. We must receive the signed statement of refuted charge form back from the customer within 60 days to complete the investigation. Due to the fact that Mr. [redacted] did not return the required form, the file was closed on August 11, 2015 for no response. As of this date, we have not received the required signed documentation from [redacted] A. [redacted] to remove the refuted purchase. If the signed documentation is received from Mr. [redacted], we will reopen the file and remove the fraudulent sale. We hope that the above information meets with your satisfaction. Sincerely, Chastity L. W[redacted] Customer Service Refute / Dispute Specialist Credit First National Association 6275 Eastland Road, Brook Park, Ohio 44142 800.321.3950 F: 216.362.3648

BK-16 / Credit Operations PO Box 81410 Cleveland, Ohio  44181-0410   September 21, 2017     [redacted], Dispute Resolution Specialist 2800 Euclid Ave, 4th Fl. Cleveland, OH 44115-2408    ...

Reference:  CFNA / Firestone Account [redacted]                       Revdex.com / Complaint ID #[redacted]   Dear [redacted]    Thank you for forwarding the above mentioned complaint file by [redacted].   We realize [redacted] is concerned about meeting her obligation with Credit First National Association. As stated in our prior communication, CFNA does offer special arrangements that can assist in bringing the account up-to-date.   CFNA has several payment options available for her convenience. [redacted] could send check or money order by mail, or make Cash only payments at any local company owned Firestone Complete Auto Care. She can also call our office directly to schedule a payment over-the-phone with an account representative at no additional charge. [redacted] is encouraged to call and make arrangements to pay the outstanding balance.      If there are any additional questions or concerns regarding this account, please contact our office directly at 1-800.321-1150 for assistance. We are available Monday through Thursday from 8:00 AM to 10:00 PM, Friday from 8:00 AM to 4:30 PM, and Saturday from 8:00 AM to Noon, Eastern.     Sincerely,   Lisa G[redacted] | Credit Operations Credit First National Association 1-800-321-1150

Revdex.com[redacted] Dispute Resolution Specialist2800 Euclid Ave, 4th FloorCleveland, OH 44115-2408Re: Firestone Complete Auto Care Account in the name of [redacted]ID: [redacted]Dear [redacted]:This letter is in response to your letter dated May 19, 2017, in regards to a complaint submitted by [redacted].We received a letter from [redacted] on May 8, 2017. We responded to her by mail on May 9, 2017, advising that we are unable to correct the pay history on her account. Our records indicate statements were sent to the address we have on file for Ms. [redacted] and statements were not returned to us.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. Furthermore, we rely on this information in order to make a decision on whether or not to extend credit. Therefore, the accuracy and integrity of the information is essential.  We are not able to honor goodwill adjustments.We appreciate this opportunity to be of service.Sincerely,[redacted]Customer Service

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.Sir/Madam,These folks aren’t being forthcoming again.I couldn't open the email they sent. I guess they thought I didn’t keep my emails, and they have an employee (Linda) work there who is very unprofessional and speak with a nasty and vulgar tone. I had to go and pray about this situation since I got to her level. I know at least 23 Veterans who credit is messed up From Credit First huge mistakes. I have a sneaky suspicion they are praying on Veterans and the elderlies. We are scheduling a boycott at Fort Stewart in Hinesville, Hunter Army Airfield in Savannah, and Albany, [redacted] where I have lived for the last twelve years. I paid my home off in 2012. I am including a copy of my deed to my house in Albany, [redacted]. So, how are these folks pulling my name out of the barrel? They have the wrong [redacted], and they won’t acknowledge they screwed up my credit file with a bill belong to another person. 
Regards,
[redacted]

CreditFirst  April 7, 2016 Revdex.com, Inc. [redacted] — Dispute Resolution Specialist 2800 Euclid Avenue, 4th Floor Cleveland, OH 44115-2408 Re: Firestone 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 [redacted]' Firestone credit card. We have provided a summary of the Promotional Credit Plan for her account below: • All qualifying Promotional Credit Plan purchases made within a billing cycle will be added together giving one Promotional Credit Plan transaction. • You are required to make a minimum monthly payment each month when you make a Promotional Credit Plan purchase. • Interest charges calculate on the average daily balance of any unpaid Promotional Credit Plan purchases at the end of each billing cycle during the delay period. • You will not owe us interest charges that accumulate on Promotional Credit Plan purchases during the delay period if we receive (a) the required minimum payment due by the payment due date for each billing cycle during the delay period and (b) the full amount of your purchase(s) by the Promotional Credit Plan due date. • Payments are applied first to previously billed Interest Charges, next to the Revolving Balance and then to any outstanding Promotional Credit Plan balance with one exception. If received during the two billing cycles prior to the expiration of a Promotional Credit Plan, the payments are applied to those balances first. We adhere to guidelines per the Credit Card Accountability, Responsibility and Disclosure Act of 2009. This Act requires card issuers to apply payments above the minimum to the balance with the highest rate first, then to the debt with the next highest rate and so on. Previously, issuers were allowed to apply payments to promotional-rate balances first to maximize profit from interest charges. There are a couple of exceptions to this rule. 1. When only the minimum amount due is paid. The minimum payment can still be applied to the debt with the lowest interest rate. 2. if you have a deferred-interest plan. This finance plan (think no interest for six months!") means that interest is withheld until the expiration of the promotional period. At that point, the creditor can assess interest back to the date of purchase on the original amount owed as long as some debt remains unpaid at the end of the deferred interest period. The CARD Act requires that the entire payment above the minimum is first applied to the deferred-interest balance for the last two billing cycles preceding the expiration of the deferred interest period. The new requirement took effect on February 22, 2010. On April 6, 2016, we sent the following paragraph in a letter directly to Ms. [redacted]. While banking laws do allow customers to allocate where their payments are applied, it is not required for a bank to do so. Regretfully, CFNA's current computer systems do not allow for the allocation of payments. As such, we are restricted to comply with the regulations as previously explained. We are sorry that we do not have the capability to address your needs, but we are confident that CFNA is in full compliance with the law. As a gesture of good will we are enclosing a $25 voucher to use towards your next purchase at your Firestone Complete Auto Care store. We hope that the above information meets with your satisfaction. Sincerely, Mary Ann K[redacted] I Customer Service Specialist Credit First National Association

BK-16 / Credit Operations
PO Box 81410
Cleveland, Ohio 44181-0410
October 22, 2015
Revdex.com, Inc.
[redacted] Dispute Resolution Specialist
2800 Euclid Avenue, 4th Floor
Cleveland, OH 44115-2408
Reference: [redacted] / Revdex.com Complaint [redacted]
CFNA/Tires...

Plus Account[redacted]
Dear [redacted] :
Thank you for forwarding the above mentioned complaint ([redacted]), filed by [redacted].
[redacted] had previously elected to view his monthly statement on our website at CFNA.com. Email notifications were sent to [redacted]. com for each billing period advising [redacted] his monthly billing statement was ready to view on our website. [redacted] however, may log into his at anytime to view the status of his account.
While we do not offer the option to set-up automatic re-occurring payments , our customers are able to schedule as many individual payments as they like for up to six months in advance on our website. Scheduled, pending and accepted payments will show on the "make a payment" page. A review of [redacted]'s payment history reveals that five payments ( not six as [redacted] stated) in the amount of $130.00 had been scheduled through our website. A copy of the payment history has been enclosed for your reference.
In the interest of good customer relations, we will issue credit adjustments in the amount of $89.00 for late payment fees and $60.69 in interest charges assessed to [redacted]'s account upon receipt of his payment in the amount of $129.00. This amount represents the remaining unpaid balance of [redacted]'s purchase . We will also correct the payment history and submit an electronic update to the credit reporting agencies , to insure any derogatory credit information is deleted.
We hope our response will satisfactorily resolve this issue. If you need any further assistance, please feel free to contact me at 1-800-[redacted]
Sincerely,
Wrae ** V[redacted]
Credit First National Association
1-800-[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,
[redacted]First off, I understand everything that was sent to me in the response just as I understood it when she told me this on the phone.  No matter the policy, none of what she said has anything to do with the rude manner that I was spoken to by her or by Judy which she forgot to address.  I am completely fine with the policy that they have in place and I have returned all documents that I was asked to.  Customer service and the rudeness are my main concerns, as I couldn't even get my point across because Melissa and Judy kept doing the same thing that she just finished doing in her response, REPEATING A POLICY THAT I AM WELL AWARE OF.  Thanks,[redacted]

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

January
3, 2017
RevDex.com, Inc.
[redacted]
Land-Dispute Resolution Specialist
2800
Euclid Avenue, 4th
Floor
Cleveland,
OH 44115-2408
Re:
Firestone Complete Auto Care Account in the name of [redacted] W.
[redacted]
ID:
[redacted]

Dear
[redacted]:
This
letter...

is in response to your letter dated December 24, 2016 in
regard to a complaint submitted by [redacted] W. [redacted].
Mr.
[redacted] contacted our office on December 19, 2016 via email stating
that a balance transfer check that was mailed to us in the amount of
$842.34 was not credited on his monthly statement. A reply was sent
to Mr. [redacted] via email advising that we had not received the
payment.
After
attempting to locate the payment with the information provided, I
contacted Mr. [redacted] by telephone on December 27, 2016 asking if
he could fax a copy of the cancelled check. He then requested that
information from [redacted].
I
contacted Mr. [redacted] again on December 29, 2016 to advise that I
had not received the requested documentation. He advised that it may
take [redacted] some time to provide that documentation.
I
checked Mr. [redacted]’s account today, January 3, 2017 and saw that
we had applied a payment of $842.34 on December 29, 2016.
I
then contacted Mr. [redacted] by telephone to advise that we had
received the payment in question. Mr. [redacted] stated that he
deposited the balance transfer check into his personal checking
account in error. When he discovered the error, he submitted the
payment to us electronically on December 29, 2016. At this time the
balance on Mr. [redacted]’s account is zero.
We
hope the above information meets with your satisfaction.
Sincerely,
Christine
K[redacted]
Christine
K[redacted] |
Customer
Service Specialist
Credit
First National Association
6275
Eastland Road, Brook Park, Ohio 44142
P:
800.321.3950 F: 216.362.5069