ComplaintsforCredit First National Association
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Complaint Details
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Initial Complaint
10/13/2024
- Complaint Type:
- Billing Issues
- Status:
- Resolved
Good afternoon, I opened an account with AutoPass CFNA October of last year. I also opened another account with Capital at the same time. These accounts were opened to cover car repairs that I was informed were necessary and serious. I was three days late with my first payment to AutoPass as I had mixed it up with the due date for Capital One. When I went online to make my payment I noticed I had a late fee and didn't understand why. I called them to discuss and that is when I learned of my mistake in mixing up the dates. They absolutely refused to work with me on this and stated, "It is not our habit of waiving late fees." The representative also informed me that I would incur a late fee for every late fee that was not paid in time. I was so upset by this that I told her I was not paying it and they could charge whatever they wanted. I then paid off my balance that following March, **** *****************, less the late fees and gave them the message that they would never receive them, they had been paid all of the charges, fees and interest. I then requested the account be closed. I received an email to that effect, see attached, that stated it had been and nothing more was owed. I can send it again as a forward if you so desire. I was then contacted ~a month later requesting payment as my account was past due. I informed the person that called that I no longer had an account with them, it had been closed and was showing nothing was owed. She told me that she showed it still had a balance and so I sent her what I received. The company is now claiming I still owe them money. They have racked up $442.22 in "late fees", see attached and are single handedly ruining my credit. They report to the agencies every month and now state I am 180 days late. I do not feel I am responsible for these "fees". I have tried contacting them many times and have received no response. Please assist me in resolving this matter so that I can begin repairing my credit. Thank you.Business response
10/14/2024
Credit First National Association (CFNA) is in receipt of this communication, and we will be responding directly with our customer to resolve this matter.Customer response
10/14/2024
[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.]
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID ********, and will await their contact. However, I may reopen this if they fall to uphold their end again as they have done in the past.
Regards,
******** ****
Initial Complaint
10/03/2024
- Complaint Type:
- Billing Issues
- Status:
- Unresolved
There were 2 fraudulent charges made to my account. One on 5/10/24 in the amount of $246. 51 and one on 5/23/24 in the amount of $290.10 both resulted in owing $1,500 more than I should at this point. Neither of these days did I have a vehicle in the shop, let alone did i have my vehicle in the shop that entire month when those charges happened. I just want the account credited the $1,500 I do not owe.Business response
10/04/2024
Credit First National Association (CFNA) is in receipt of this communication, and we will be responding directly with our customer to resolve this matter.Customer response
10/04/2024
Better Business Bureau:
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.
There was already an attempt to resolve this issue directly with the business and they were unwilling to do so. This is why the current steps are in place.
Regards,
******* ********
Business response
10/07/2024
Credit First National Association (CFNA) is in receipt of this communication, and we will be responding directly with *** *******i to resolve this matter.Customer response
10/09/2024
Better Business Bureau:
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.
This was already attempted and CFNA was unwilling to take care of this "in house". CFNA had also already said they would reach out and yet has failed to do so.
Regards,
******* ********
Initial Complaint
10/01/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
There is a debt on my credit report with credit first national association that claims I owe them. That account isn’t mines at all. I’m hold no liability for this debt. I asked them to send me any contract that they claimed I signed and they still haven’tBusiness response
10/02/2024
Credit First National Association (CFNA) is in receipt of this communication, and we will be responding directly with *** **** to resolve this matter.Initial Complaint
09/29/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
I am not liable for this debt with Credit First National Association , they did not provide me with the original contract as I requested.Business response
09/30/2024
Credit First National Association (CFNA) is in receipt of this communication, and we will be responding directly with our customer to resolve this matter.Initial Complaint
09/21/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
Subject: Complaint Regarding CREDIT FIRST N A Account - Request for Removal To Whom It May Concern, I am writing to submit a complaint regarding an account listed on my credit report from CREDIT FIRST N A. Below are the details of the account in question: Creditor: CREDIT FIRST N A Open Date: 7/13/2019 Account Numbers: ******XXX and 7XXXX I believe this account has been inaccurately reported on my credit file. I am requesting a thorough investigation and the removal of this account from my credit report. Please notify me once the account has been removed or if any additional information is required to resolve this matter. Thank you for your prompt attention to this issue.Business response
09/23/2024
Credit First National Association (CFNA) is in receipt of this communication, and we will be responding directly with our customer to resolve this matter.Initial Complaint
09/16/2024
- Complaint Type:
- Billing Issues
- Status:
- Unresolved
Dear Better Business Bureau, I am writing to formally file a complaint against Credit First National Association (CFNA) concerning my credit card account ending in 5111. Despite multiple attempts to resolve this matter with CFNA, the issue remains unresolved, and I am seeking assistance from the BBB in addressing the problem. Details of the Complaint: Account Information: Account Holder Name: ****** ******* Account Ending: 5111 Reward Certificate Issue: According to my July 09, 2024 – August 08, 2024 billing statement, I had $20 in active rewards certificates that were set to expire on July 13, 2024. On July 12, 2024, I made a qualifying purchase of $61.54 at Tires Plus in Buchanan, WI?. As of my August 09, 2024 – September 08, 2024 billing statement, no credit was applied for the redeemed rewards, and the rewards were marked as expired with no active rewards remaining?. Customer Service Attempts: I have contacted CFNA numerous times regarding this issue: on August 7, August 13 (twice), August 21, September 4, and September 19?. Despite my efforts, CFNA has failed to provide any assistance or resolve the issue. I believe I am owed a $20 statement credit, which has not been issued. I am requesting that CFNA issue the $20 statement credit as owed and ensure that this problem is resolved promptly. I have provided copies of the relevant billing statements for your reference. Thank you for your attention to this matter. I hope that with the assistance of the Better Business Bureau, CFNA will address this issue satisfactorily. Sincerely, ****** *******Business response
09/16/2024
Credit First National Association (CFNA) is in receipt of this communication, and we will be responding directly with our customer to resolve this matter.Customer response
09/17/2024
Better Business Bureau:
I do not see any business response in what you have forwarded to me.
Regards,
****** *******
Business response
09/17/2024
Credit First National Association (CFNA) is in receipt of this communication, and we will be responding directly with ****** ******* to resolve this matter.Customer response
09/17/2024
Better Business Bureau:
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.
I have not been contacted by the business.
Regards,
****** *******
Initial Complaint
09/14/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
I requested paperless email statements from ************** but have not received any. This morning I received a text stating my account was over due with a $31.00 fee attached. When I called CFNA I was transferred 3 times and told my statements must've went to SPAM! How convenient. They would not remove late fee and would not give me a number or person to speak to for a complaint.Business response
09/16/2024
Credit First National Association (CFNA) is in receipt of this communication, and we will be responding directly with our customer to resolve this matter.Initial Complaint
09/12/2024
- Complaint Type:
- Billing Issues
- Status:
- Resolved
I am writing to file a formal complaint against CFNA regarding its failure to accurately report my payment history to the credit bureaus, despite repeated efforts on my part to resolve this issue. Below is a timeline of the events that have occurred: I missed a payment in June 2024 but made a full payment in July 2024. However, CFNA inaccurately reported that no payment was received in July. Upon noticing the incorrect reporting, I disputed the issue with CFNA, providing proof of my July payment. Unfortunately, CFNA did not correct the information, and the inaccurate reporting remains on my credit file. To make matters worse, CFNA "credited" my July payment towards August instead, further complicating my account status. I made full payments for July, August, and September 2024, and subsequently paid the account in full at the beginning of August. Despite the account being fully paid, CFNA refuses to update my payment history to reflect the correct dates of payment and has not removed the inaccurate information from my credit report.Business response
09/13/2024
Credit First National Association (CFNA) is in receipt of this communication, and we will be responding directly with our customer to resolve this matter.Customer response
09/13/2024
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID ********* *** have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.
They state that they will be in contact with me but I know just like they know that is not the case I have emailed numerous times asking for a resolve with nothing from them.
Regards,
******** *******
Business response
09/13/2024
Credit First National Association (CFNA) is in receipt of this communication, and we will be responding directly with Ms. Sanders to resolve this matter.Customer response
09/13/2024
[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.]
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
Regards,
******** *******
Initial Complaint
09/11/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
CFNA is refusing to allow me to make payments on my debt by blocking the account associated with payments. It is my understanding that any attempt to pay on a debt is by law required to be processed.Business response
09/12/2024
Credit First National Association (CFNA) is in receipt of this communication, and we will be responding directly with our customer to resolve this matter.Initial Complaint
09/10/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
There are four (4) “past due 30 days” marks on my credit report (June 2019, August 2019, September 2020, July 2022) and they are all incorrect, inaccurate and totally egregious.Business response
09/11/2024
Credit First National Association (CFNA) is in receipt of this communication, and we will be responding directly with our customer to resolve this matter.Customer response
09/13/2024
Better Business Bureau:
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.
Their response does not resolve anything. I have no contact with this company and therefore have no business with this company. I do not wish to discuss anything of a personal nature with a company I have no business with. Again, any so called collection is fraudulent, as I have entered into no contract with this company and I demand that any negative impact to my credit report be removed immediately.
Regards,
***** *******
Business response
09/16/2024
Credit First National Association (CFNA) is a credit card bank within ********************* ********* ******** ****** ********. We have received this message and will address it with our customer.
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Customer Complaints Summary
418 total complaints in the last 3 years.
177 complaints closed in the last 12 months.