Credit First National Association

I have had an account with company for the last 3 years. I make my payment on time and I make my payment at the service center where I have my service done. Now, last month, I made my payment by the due before 5:00 at the service center in cash. I have relieved my statement and this company is billing me a $15 fee charge for making my payment at the store. This is total unfair.

I feel I am a value customer whom is being over charged this is a hid fee.The bill right statement states nothing to the effect of what the customer rep stated. If statement is by the 15th and payment is made on due date before 5:00 clock at the service center in cash. It's not my problem if a company uses a outside company to collect. My paper statement said by the 15th before 5:00 that what I did. I want some to contact me concerning this issue. I would like to resolve this cause at this time I have cancelled my card and I would not recommend anyone to use Firestone cause of hid fees, bad tires that dry rots and you are told they are just wrinkles. The dry rot occur around the wheels, but I am told they are wrinkles. Is there anyone that can help me with issue?

Credit First/Firestone has a 6 month same as cash program that's so wrong. No payments are applied to the new charges until the last 2 months of the 6 month grace period, all the while adding up interest and then all the interest and unpaid 2nd balance is all totaled up and a new payment is started. Lot of interest. It takes me a lot longer to pay off the total bill.

My bill from CFNA was due on Feb. 8, 2010. I had arranged my bank JPM Chase to pay on Feb. 5, 2010 so the money can get there on due date. This is what I have been doing since I had this card for many years. When I received a new statement from CFNA, it indicated they did not receive my funds until Feb. 9th and I was charged $38 late fee and $9.38 interest. I contacted my bank and they notified me that my payment was sent out on Feb. 5 and was accepted/processed by CFNA on Feb. 6 at 3:43:18am. I called CFNA to try to have the unjustifiable charge reversed, but they refused even though I was able to provide the exact time the payment reached them.

The same thing happened in January for the first time and they did reverse my late fee since I have never ever been late with a payment before, however, they refused to do so again in Feb. even though I have proof from my bank that they received the money before the due date. I did not change the way I was paying them because I thought there was some computer problem with them in January, but apparently there's some change in their system on how to handle payments received on due date which I believe is completely wrong. It's very clear to me that they are holding on to consumers' money longer than they should before applying to their accounts and not back value to the day they actually received the money.

I went to a Tires Plus store in Nevada, Mid November, 2008. The representative stated to apply and use the "Tires Plus" credit card, no interest or payments were due for 90 days. On February 9th I went on line and payed the card off as the amount stated on the account, $697.16. I am now receiving credit card accounts for late payments and finance charges!! (i had moved address on the 1st of Jan and only had the first initial statement) On the internet site no account or statement was made for "late payments and finance charges" I was stated in the beginning on payments or interest payments would be charged for 90 days.

I received an envelope from the above company marked "OPEN IMMEDIATELY! Important Information concerning Your Credit Card!"

Inside were two small pieces of paper, one "IMPORTANT NOTICE Regarding Changes to Your Credit Card Account With Credit First National Association" that after January 1, 2006, "the Minimum Amount Due for any Billing Cycle will equal 4% of the New Balance plus all past due amounts ....." "Unless we receive your letter of non-acceptance by December 31, 2005, the terms and conditions stated below will replace your current Agreement." The other paper was their Privacy Policy.

1. There is nothing any where that states what credit card account number this is in regard to.

2. I do not have any credit card accounts that have this company "Credit First national Association" mentioned any where.

3. There is no telephone numbers or website address - only a mailing address to send a letter of non-acceptance: CFNA, BK-11/Customer Service, PO Box 81315, Cleveland, OH 44181.

I puchased tires from Firestone I think in Nov of 1999. In March or April of 2000 I received a phone call from First Credit asking for my address. They told me that they were sending it to the wrong address and all the bills came back to them. They told me that they were going to make the adjustments to the bill and I told them that I was going to pay it off in full. When I received the bill they never took the finance charges off, just the late payment fees. when I brought the tires I was told it was 6 months interest free, that's why I never questioned not getting a bill.

When I called First Credit and told them the interest charges were never taken off they said they would not remove them because I should've contacted them when I didn't receive a bill. They told me that I purchased tires from them before so I should have the # and the address. I told them that since I purchased tires from them on several occassions in the past and always used the same store that they shoul have my correct address and I shouldn't have to pay for their mistake. I told them that I was going to pay it in full minus the finance charges. They said that it didn't matter I would still have to pay the finance charge. I wasn't going to pay them at all because I was so upset, but then decided to pay them only what I owed them. Since then I have written to The Better Business Bureau and to Consumer Affairs.

They told the Better Bussiness Bureau that they told me they would take the finance charges off if I made my payment right away...which is a lie they told me I would have to pay it no matter what and got very nasty about it.