About Credit First National Association
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I've been a cardholder for 13 years, never late on a payment, always paid double the amount of the minimum payment, and paid it off completely a couple of times. They offer a promotional balance period where you aren't charged interest for 6 months from the purchase date. I had to have some major car work done and have been paying double the minimum payment per usual, but that particular purchase for some reason the balance remains high while my card is paid down about 31%. I do have another charge that is somewhere in it's promotional timeline.
Once the promotion period ended for the larger purchase, I was charged $175 in interest. I've never seen such a thing. I called thinking it must have been a mistake, nope. They explained what I just explained, which I get, but I asked if that amount could be waived. And I don't mean the whole thing, just knock it down to a reasonable interest charge. They said my case doesn't "fall within their parameters for an adjustment." Even with my spotless history. I've never asked for this before, this is actually my first time calling the entire time I've had it. All they offered was to waive $100 of the interest IF I paid off the entire balance of the card, including the other charge. I will pay this card off as quickly as I can and never use it again. I get one customer doesn't matter, but I'm really sad this is how they feel is the appropriate to treat loyal customers.
During the Pandemic, was out of work for a while. They offered to defer my payments for 60 day but forgot to tell me they were charging me $40 a month late fee. All said and done, they racked me up over $160 in late fees. Real heartless and money grubbing garbage company.
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Went to firestone, insufficient explanation on what I was signing up for, I thought it was a membership card since I had never been to a firestone auto care before. On first glance everything about this company screams shabby, lazy, cheap, shady, and worst of all they have no means to contact a human by phone or online. As soon as I get what I need to cancel, it is being cancelled. No intelligent person with complete and full knowledge would sign up with such a business. Makes sense they go through external businesses to set up accounts and share/sell their customer's information.
Received this card as a promotional offer when visiting my Firestone store. Canceled after the debacle below.
(2) Had a $500 charge that was "late" despite their 6-month interest-free promotional financing.
(3) My mailing address was inaccurate and I did not receive the 2 statements that I was sent.
(4) They dropped my credit limit and reported it to the credit bureaus, even after I paid it over the phone.
Bottom-Line: Horrible company - Poor customer experience - Black-eye on Firestone.
I have been with this card company for 10 yrs and still counting and I haven’t had any issues with customer service either, so in my opinion, the other reviews just seem off to me. The CFNA credit card has saved my credit score and my personal life tremendously. Thanks for reading, and you’re responsible for making your own payments peeps. I will always recommend it to others.
If you have a chance to purchase tires, make sure not to use CFNA CREDIT. I bought my wife 4 tires, and it was 1300 total. So it was put on my CFNA card Oct 22, 2020. I get a paper statement a few days later saying I owe 44.00 FOR 10/15/2020 TO 10/23/2020. I have never had a credit card charge you two or three days after opening it up. And I have had late fees and calls saying that got the Oct. bill late and if my banks says different and I am looking at my account showing payment went through....Who am I suppose to believe. I am so done with this company!!!!
I used their online payment to pay my bill using my bank information before the due day. However, I got a late payment charge in my next bill statement. I called their customer service, a lady said the payment did not get through, so I gave my bank information to this lady and she manually input the information and she said everything is done, and late fee is removed, and gave me a confirmation number. A week later, I got a letter saying payment was not done. I called them again, another lady said I don't need to pay anything and everything has been taken care. However, they still charged me the late fee. I emailed them this time, they replied they cannot credit this charge. It is ridiculous that customers have to pay the cost for their unreliable online payment system. Their customer service is the worst compared with any other credit company.
Affected by COVID, and this company made it very apparent that they could have cared less. My bill was due on 8/13, but due to having COVID I paid it on 8/19. On July 10th, I had come down with COVID, and was down hard, from the illness. I called to see if they would be willing to waive the late fee, in lieu of everything. Not only was the CSR rude and hateful, but they lowered my credit limit by $800.00 and threatened to report my account as 30 days late, to the credit beaus. I tried to explain that if a patient is in a coma, it is impossible to call and advise they are ill. The CSR's response was, I still should have called. I have been with them for almost 3 years, with a perfect payment history, and this is how I was treated.
This company has not only reported fraudulent information to my credit report they also just updated my Experian Credit Report falsely showing me being late from 2018 to July 2020. And reporting to Equifax claiming first major reported delinquency July 2020 vs 2015. This fraudulent account was closed in 2015 and CFNA just violated the FCRA by not only ignoring my police report by updating old negative information as new. Also Wendy from CFNA has been extremely rude when I call claiming that the company changed systems and that by reporting false information to my credit report they are doing me a favor.
The car was sold to someone off Craigslist in 2009. I have been a victim of identity theft for years. In 2017 this company lied to me telling me if I paid off the account they would delete it off my credit report. I was desperate to delete it since they ignored my prior disputes so I only paid it off to delete it back in 2017. The account use to use closed in 2015 now it shows closed July 2020 and I have suffered legal damages because of their error and negligence.
I have only had this Firestone credit card for a few months and have been billed once and paid the balance at that time 03/04 2020. Since then they have put me into paperless billing without my knowledge. I don't know if they automatically do that but I was not advised either way. I have called and asked that they mail me my bill so that I may pay it, but as of today 07/14/2020 they haven't. I called again today trying to be sent a bill as I have had difficulty using their online service. I cannot log into my account and the call was dropped or I was hung up on I don't know which. All I want is for this company to send me out a conventional bill for me to pay.
Credit First National Association Company Information
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- Credit First National Association
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