Credit First National Association

______________________________________________________________________ BK-16 / Credit Operations PO Box 81410 Cleveland, Ohio  44181-0410     January 28, 2016     Revdex.com Attn:  [redacted], Dispute Resolution Specialist 2800 Euclid Avenue, 4th Floor...

Cleveland, OH  44115-2408   Reference:  [redacted]  / Revdex.com complaint ID #[redacted]                    CFNA/Tires Plus Credit Card  #[redacted]   Dear [redacted]:   Thank you for forwarding the above complaint regarding the account for [redacted]'s account.    We provided Mr. [redacted] with a monthly statement advising him of his required minimum  monthly payment, payment due date, the expiration date of his promotional credit plan, transactions and fees assessed to his account.    An itemization of the account activity for Mr. [redacted]'s  account,  that includes the balance has been attached for your reference.  Each of the columns are defined below:   TYPE is the transaction type: SALE is an actual sale/purchase or late fee charge STMT is the statement billing date CASH is a posted payment COFF is the charge-off of an account DATE is the transaction date STORE is the store ID number or transaction ID number TICKET is the transaction type AMOUNT is the transaction amount (-) indicates a payment C/C is the monthly finance charge, may also include credit insurance P/A is the monthly payment amount P/D is the past due amount BALANCE is the total balance due     As you can see from the information provided,  Mr. [redacted]'s payments were made inconsistent with the terms of the Credit Card Agreement.    Mr. [redacted]'s account was assigned with an outside collection agency, Alliance One, in April 2011 due to the long overdue balance.  A settlement in the amount of $585.00 was reached on 02/24/12.  Mr. [redacted] paid the same day using his MasterCard.    We are obligated to provide an accurate account regarding the manner in which his account was paid. Although Mr. [redacted] eventually paid his account through a settlement agreement, it was not paid as agreed initially by his due date each month. Verification has been made that the information reported is correct and cannot be changed.  We suggest that Mr. [redacted] submit an explanation as part of his consumer statement to his local credit bureau to be kept on file. We  hope this explanation will satisfactorily resolve this matter.  If you need any further assistance, please feel free to contact me at 1-800-321-1150.   Sincerely,     Wrae E. V[redacted]/Credit Operations Credit First National Association 1-800-321-1150     Enclosures

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.
In the content of [redacted]'s response letter, it lists at least 6 months of the minimum payment not attained.  What they fail to mention is they were assessing a penalty during each of those months making it impossible to meet the minimum payment.  When I contacted [redacted] via email to confront them and peacefully resolve this, they refused to work with me and continued to penalize me until I made a complaint with the Revdex.com.  [redacted] is working toward meeting the profile of a predatory loaner.By their rules I only managed to pay less than $100.00 out of $500.00 dollars worth of payments. Even if this met our loan agreement, this should have been sharply looked at by someone on their side as taking advantage of a paying customer.[redacted]'s current policy takes total advantage of customers that are having a difficult time paying the bill.  Most of the other credit card companies have common sense policy's and allow for a plan to be worked out. especially when the customer is paying. I pay my bills. Due to Politics I am in a job that pays 1/3 of my original income. Despite this, I still pay my bills.[redacted] owes me an apology.  In their carefully written and edited response, it appears I hardly paid my bill.  Yet, I have Bank statements that show otherwise.  The totals do not lie. Add up the amounts in my original complaint and try to justify how my debt was effectively increased by 400% percent.
Regards,
Evelyn M[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.
[Yes, this is finally being cancelled now but what is the refund for charges from 12/2008 to present?
Regards,
[redacted]

December 9, 2015Revdex.com, Inc.[redacted]-Dispute Resolution Specialist2800 Euclid Avenue, 4th FloorCleveland, OH 44115-2408Re: [redacted] Account in the name of [redacted]ID: [redacted] [redacted]:This letter is in response to your letter dated...

December 9, 2015 in regard to a complaint submitted by [redacted]l.We have reviewed [redacted]’s complaint regarding her account balance. We show that late payment fees in the amount of $25.00 and $35.00 each were assessed because a minimum payment was not received by the due dates for June 15, July 15, August 15, September 15, October 15, and November, 2015. In addition, interest charges in the amount of $131.69 were assessed to the account due to nonpayment of the Six Month Purchase by the due date. Interest charges are calculated on the Average Daily Balance from the date of purchase and are added to the account if we do not receive the exact Six Month Payment transaction amount when it is due.  As a courtesy to [redacted] we have processed a credit in the amount of $70.00 toward the late payment fees assessed and this credit will appear on her December 20, 2015 statement.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.[redacted]  F: 216.[redacted]

Revdex.com:
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]

CreditFirst  August 31, 2017 Revdex.com [redacted]-Dispute Resolution Specialist 2800 Euclid Ave, 4th Floor Cleveland, OH 44115-2408 P.O. Box 81315 1 Cleveland, Ohio 44181-03151 www.CFNA.com Re: [redacted] Account in the name of [redacted] ID:...

[redacted] Dear [redacted]: This is in response to your letter dated August 24, 2017, in regards to a complaint submitted by [redacted]. Mr. [redacted] submitted a request to change his payment history on his account dated August 16, 2017. His complaint was received in our office on August 21, 2017. In this letter and in a phone conversation with an account representative [redacted] indicated that his account was past due 120 days in 2010 or 2011; however, he did not provide the dates he went past due. Our records indicate that [redacted] went past due 30 days in November 2012 and 120 days past due from June 2013. A letter was sent to [redacted] on August 22, 2017, requesting the dates that the account went past due. Once we receive this information, we can further investigate his payment history and verify the accuracy of his history. This information can be found on his credit report. In the letter received from [redacted], he indicated that his father was paying on his account while he was away at college. When [redacted] contacted us on August 23, 2017, he indicated that at some point, his address was changed at the store and he was not aware he needed to contact Credit First National Association to change it. All billing statements come from Credit First National Association. We can only send statements to the address that is provided to us. Per [redacted]'s credit card agreement any change of address would need to be provided to Credit First National Association. This is an individual account and it is the consumer's responsibility to ensure payments are being made to an account on time to avoid any negative reporting. We appreciate this opportunity to be of service. Sincerely, Melissa V[redacted] Customer Service Customer Service Department, BK 111 Phone: 800.321.39501 Fax: 216.362.50691 www.CFNA.com

______________________________________________________________________ [redacted]
[redacted]
[redacted]  [redacted]
  August 29, 2017     Nicole [redacted] Dispute Resolution Specialist 2800 Euclid Ave, 4th Fl. Cleveland, OH 44115-2408     Reference:  [redacted]
                        [redacted]        Dear Nicole [redacted]    Thank you for forwarding the above mentioned complaint file by Kevin C[redacted].   Our records confirm the above [redacted] credit card was opened on October 17, 2011, with the last purchase recorded June 17, 2015. Ultimately, this account was charged-off due to non-payment on September 25, 2016, with an outstanding balance of $731.81. Although a payment of $500.00 was posted to the account on July 25, 2017, the residual balance of $57.95 has been cleared in the interest of customer goodwill.      We have enclosed a copy of the application that opened this account; the information provided was verified at the time it was opened. A copy of the credit application, sales invoice from the June 17, 2017 purchase, the last billing statement dated August 25, 2017, as well as an account itemization report displaying all activity since the account’s inception, have been enclosed for your reference.   If Mr. C[redacted] feels his account has not been properly credited for a payment, we request he provide documentation in order for us to research the payment. If the payment was made by money order, it must be traced through the place of purchase.      If there are any additional questions or concerns regarding this account or the enclosed information, please contact our office directly at [redacted] for assistance. We are available Monday through Friday 8:00 AM to 4:30 PM, EST.          Sincerely,     Lisa G[redacted] Credit Operations Credit First National Association [redacted]

September 11, 2015 Revdex.com, Inc. [redacted] — Dispute Resolution Specialist 2800 Euclid Avenue, 4th Floor Cleveland, OH 44115-2408 P.O. Box 81315 I Cleveland, Ohio 44181-0315 I www.CFNA.com Re: [redacted] Auto Care Account in the name of [redacted] Joint Liable User in the name of [redacted] ID: [redacted] Dear [redacted]: This letter is in response to your letter regarding the additional information received in regard to the above [redacted] credit card. [redacted] did request his check returned to him. As advised in our first response to you dated August 21, 2015, "As of May 2011 accountholders do not have the option to opt out of electronic payment processing of check payments by CFNA. The back of the statement advises "When you send us payment by check, you authorize us to present your check electronically. Your checking account may be debited on the day we receive your check. This electronic transaction will appear on your bank statement although your cancelled check will not be returned to you". Due to this, we are unable to return the check to him, but we have sent a copy per his request. [redacted]'s complaint that CFNA charged a late payment fee to his other account out of retaliation is inaccurate. He states that he made a payment to his account on August 18, 2015 to his [redacted]e account. Our records do not show a payment made on this date. An internet payment was made via CFNA.com on August 24, 2015 in the amount of $50. The payment was due August 18, 2015 and a late payment fee was assessed in the amount of $25. [redacted] contacted Customer Service by telephone and spoke directly to a supervisor on August 24, 2015. He stated that he thought he made a payment on August 18, 2015 and requested that we remove the late payment fee. The supervisor credited his account the late payment fee of $25 at that time. As previously advised in our September 1, 2015 letter to your office, we closed his account on August 24, 2015. On September 10, 2015, [redacted] reopened this account by going to the [redacted]e store and showing identification. At that time, the account was reopened. As of today's date, we have closed the account and it will remain closed. We hope that the above information meets with your satisfaction. Sincerely Mary Ann K[redacted] I Customer Service Specialist Credit First National Association 6275 Eastland Road, Brook Park, Ohio 44142

June 22, 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]. [redacted]       ID: [redacted] Dear [redacted]: This letter is in...

response to your email dated June 22, 2016 in regard to a complaint submitted by [redacted] M. [redacted]. We have enclosed an account information report which shows the payment history on this account. The meanings of the symbols are as follows: INT = interest charge INS/DP = insurance charge/debt protection PIA = payment amount P/D = past due amount Balance = balance of that month's statement (-) = payment or credit We have reviewed Mr. [redacted]'s complaint. Per Mr. [redacted] terms and agreement on his CFNA account he must pay at least the Minimum Monthly Due for each Billing Cycle by the Payment Due Date shown on his statement. We do not offer a pay ahead option. We show that on March 14, 2016 we received a payment in the amount of $120. Our records also indicate that this payment was returned by Mr. [redacted] bank as unable to locate. The next payments we received were on March 30, 2016 in the amount of $120 and May 13, 2016 in the amount of $38. A late payment fee in the amount of $19 was assessed to his account because his minimum payment was not received by his June 15, 2016 payment due date. As a courtesy, we have issued a credit in the amount of $19 for the late payment fee assessed on Mr. [redacted] account. We hope that the above information meets with your satisfaction. Sincerely, Angela Corp I Customer Service Specialist

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]

August 21, 2015 Revdex.com, Inc. [redacted] — Dispute Resolution Specialist 2800 Euclid Avenue, 4th Floor Cleveland, OH 44115-2408 Re: [redacted] Auto Care Account in the name of [redacted] Joint Liable User in the name of [redacted] ID: [redacted] and ID:...

[redacted] Dear [redacted]: This letter is in response to your two letters dated August 18, 2015 in regard to the above [redacted] credit card. I have combined the response to one letter as both complaints were the same. [redacted] is a liable user on this account. A check in the amount of $2000 was tendered for payment on this account on March 30, 2015. All payments are posted to an account first and then sent to the bank for payment. This payment amount was returned to us unpaid by the bank on April 9, 2015. The check that we received from [redacted] plainly states "Not for Deposit — Set-Off. A copy of this check is attached for your records. Per our credit card agreement the payment that was sent to us was a non-conforming payment and not accepted. As of May 2011 account holders do not have the option to opt out of electronic payment processing of check payments by CFNA. The back of the statement advises "When you send us payment by check, you authorize us to present your check electronically. Your checking account may be debited on the day we receive your check. This electronic transaction will appear on your bank statement although your cancelled check will not be returned to you". Due to this, we are unable to return the check to him, but we have sent a copy per his request. We have made several attempts to resolve this issue for [redacted]. All of the documentation has been forwarded to our Legal Counsel for review. We hope that the above information meets with your satisfaction. Sincerely,  Mary Ann K[redacted], Customer Service SpecialistCredit First National Association 6275 Eastland Road, Brook Park, Ohio 44142 [redacted] Customer Service Department, BK 11 1 Phone: [redacted] 1 www.CFNA.com

CreditFirst  NATIONAL ASSOCIATION September 18, 2017 Revdex.com, Inc. [redacted]-Dispute Resolution Specialist 2800 Euclid Avenue, 4th Floor Cleveland, OH 44115-2408 P.O. Box 81315 I Cleveland, Ohio 44181-0315 I www.CFNA.com Re: Firestone Complete Auto Care...

Account in the name of Anthony F. Davis ID: 12383197 Dear [redacted] This letter is in response to your letter dated September 13, 2017 in regards to a complaint submitted by [redacted]. Our records do not show that [redacted] contacted us in the month of July 2017 or August 2017 regarding the recent sale on his account in the amount of $384.80 made on August 7, 2017. We show that the last time [redacted] contact us was in March 2016. As of today's date we show a balance owed in the amount of $384.80. If [redacted] does not believe that the sale is his he may contact our Customer Service Department at 800-321-3950 to file a refute claim. We have included a copy of the service invoice for this purchase. [redacted]'s account does not show a credit balance in the amount of $527.00. However, we did issue a refund in the amount of $28.18 on April 21, 2017 due to an over payment. We appreciate this opportunity to be of service. Sincerely, an &Iv Customer Service Customer Service Department, BK 11 I Phone: 800.321.3950 I Fax: 216.362.5069 I www.CFNA.com

Revdex.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 February 3, 2016...

in regard to [redacted] Complete Auto Care credit card.On November 9, 2015, Mr. [redacted] contacted CFNA to refute a charge made to his [redacted] Complete Auto Care credit card on March 23, 2015 in the amount of $997.15 and a security flag was placed on Mr. [redacted]’s account to prevent any future unauthorized purchases and an investigation was initiated.On November 16, 2016, the investigation was complete and a letter was sent to Mr. [redacted] explaining a sale must be refuted within two (2) billing cycles of the error.  Furthermore, the letter also explained that by making numerous payments, the consumer acknowledges the debt.Additionally, on January 19, 2016, per Mr. [redacted]’s request, our office cancelled his [redacted] Complete Auto Care credit card, and negotiated a term, if payment in full was made on the original sale totaling $50.24, all interest and late fees in the amount of $167.38 would be deducted from his account.  Mr. [redacted] agreed to the resolution and made payment of $50.24, and fees totaling $167.38 were removed.We hope that the above information meets with your satisfaction.Sincerely,C. L. W[redacted]C. L. W[redacted] | Customer Service SpecialistCredit First National Association6275 Eastland Road, Brook Park, Ohio 44142P: 800.321.3950  F: 216.362.5069

Tell u May 18, 2017  [redacted], Dispute Resolution SpecialistRevdex.com, Inc.2800 Euclid Ave., 4th FloorCleveland, OH 44115  Reference:  CFNA / Firestone Account...

#[redacted]                      Revdex.com Complaint #[redacted]                      Dear [redacted]:  Thank you for forwarding the above mentioned complaint filed by [redacted]. Our records indicate that [redacted] contacted us twice through email communication to advise us that he had not yet received his CFNA card. An account representative then spoke with him on May 2, 2017. He did inform the representative that he had not received his credit card. It was confirmed that multiple modifications had been made to the address information on file. The representative did validate returned mail associated with his account. Due to the postal delivery issues, we have issued a credit in the amount of $60.00, representing the two late payment fees previously assessed to [redacted]’s account. A request was also submitted to the credit reporting agencies to remove any negative information for this period. We sincerely apologize for any inconvenience [redacted] experienced. We do offer the option of receiving electronic statements by registering on our website, www.CFNA.com, and selecting paperless statements.  We appreciate this opportunity to be of service and hope this will satisfactorily resolve this matter. Sincerely  Denise D[redacted] | Credit OperationsCredit First National Association1-800-321-1150 s why here...

BK-14/CREDIT AUTHORIZATION PO BOX 81083, CLEVELAND, OH 44181-0083 November 8, 2017, 2017 Revdex.com, Inc. [redacted] – Dispute Resolution Specialist 2800 Euclid Avenue, 4th Floor Cleveland, OH 44115-2408 Re:  Firestone Complete Auto Care credit card for [redacted]...

Complaint#:   [redacted]       Dear [redacted]: This letter is in response to your email dated November 3, 2017 in regards to a complaint from [redacted] concerning the credit limit on his Firestone Complete Auto Care credit card administered by Credit First National Association (CFNA). [redacted] is correct that his credit limit was $2000 as of January 2017.  It was reduced to $1600 on March 18, 2017 when his account went past due.  A payment was due by March 13th and we did not receive a payment until March 20, 2017.  The statement dated March 18th, 2017 noted the past due amount and the current credit limit of $1600. Subsequently, the credit limit was lowered from $1600 to $1200 when the account went past due again.  A payment was due by June 13th and we did not receive a payment until July 11th. We tried calling [redacted] shortly after he sent us emails concerning his credit limit on October 25, 2017.  At that time, we received his voicemail and left a message for him to call us back.  He did not call us back then, but we tried calling him again after receiving your correspondence and we were able to discuss the problem with [redacted]. We explained that the credit limit reduction was due to late payments, and [redacted] was able to provide additional details in his payment history.  The first missed payment was due to the consequences of a hospital stay and the second missed payment was a misunderstanding ([redacted] thought he paid the balance in full when he sent $50, but the balance was $53.30).  After taking the extenuating circumstances into account, we were able to make a one-time correction to the pay history and restore the credit limit to $2000, as requested.  We truly hope that we have satisfactorily responded to [redacted]’s questions and concerns.  If there are further questions or concerns, I can be contacted at 216-362-3389. Sincerely, Marie ** M[redacted] Director of Credit Authorization Credit First National Association 6275 Eastland Rd Brook Park, OH 44142 Office: 216.362.3389 www.CFNA.com

______________________________________________________________________ [redacted]
[redacted]
[redacted]  [redacted]
  July 31, 2017     Nicole [redacted] Dispute Resolution Specialist 2800 Euclid Ave, 4th Fl. Cleveland, OH 44115-2408    ...

Reference:  [redacted]
                        [redacted]
                                         Dear Nicole [redacted]:   Thank you for forwarding the above mentioned complaint file by [redacted]   As shown on the attached Account Information Report, payments were applied as received. Review of the account not only reveals missed payments, but payments not equal to or greater than the minimum amount due as shown on Mr. C[redacted]’s monthly statements.    Ultimately, this account charged off due to non-payment on September 25, 2016, with an outstanding balance of $731.81. Although a payment of $500.00 was posted to the account on July 25, 2017, an outstanding balance of $57.95 remains.    Payment of a charged-off account does not change the previous report reflecting the manner in which the account was paid. Unfortunately, we are unable to accommodate the request to alter the trade line. However, if Mr. C[redacted] wishes to pay the outstanding balance, we will report the account as charged-off, paid in full.     If there are any additional questions or concerns regarding this account or the enclosed information, please contact our office directly at [redacted] for assistance. We are available Monday through Friday 8:00 AM to 4:30 PM, EST.     Sincerely,     Lisa G[redacted] | Credit Operations Credit First National Association [redacted]

Please see the attached correspondence.

(The following was copy/paste by Revdex.com staff - [redacted]December 19, 2017 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] ID: [redacted] Dear...

[redacted]: This letter is in response to your letter dated December 19, 2017, in regards to a complaint submitted by [redacted]. Our credit card agreement advises that payments must be processed to accounts by 5:00 p.m., ET on or before the due date. [redacted] made his payment after the cutoff time, and therefore a late fee in the amount of $25.00 was assessed to [redacted]' account. The late fee assessment is automated, and therefore, we are unable to stop a late payment fee from being added to the account once the cutoff time is missed. However, because of [redacted]' difficulties in making his payment, we have agreed, as a goodwill gesture, to process a $25.00 late fee credit to [redacted]' account, which will reflect on his upcoming December billing statement. Please be advised that [redacted] will be responsible for future fees and this will be the final adjustment made to his account. In regards to [redacted]' claim regarding the service at his local [redacted] Complete Auto Care store, he may contact the [redacted] Tire and Service Centers' Consumer Affairs Department for product and service complaints at the address below:  Bridgestone Retail Operations PO Box 6397 Bloomingdale, IL 60108 Phone: 800-367-3872 We appreciate this opportunity to be of service. Sincerely, Amanda C[redacted]Customer Service

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.
I notified both of the representatives I spoke with that I did not in fact receive any notification of lateness on payments. If there is proof of such please advice of this or show documentation that statements were sent. 
Regards,
[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. they sent me a bunch of non-compliant and verifiable paperwork that does NOT prove or validate this alleged account. They also testified they charged this account off so they  NO longer have any rights to the  therefore they cannot report it to the CB's, REMOVE IT NOW.
[redacted]