Credit First National Association Reviews

I made an electronic payment on time to them. They subsequently sent me a bill a month later saying I hadn't paid. After hours trying to get in touch I was able to get a conference call with my bank and Credit First. It was established that I had indeed paid on time and that they owed me the $29 late fee. A week later I get a letter from them saying I still owed them plus the late fee. At the same time I get a letter with a check from them for the full amount of what I owed them. This has caused me considerable angst. I can't seem to get through to them. Horrible organization. Stay clear away.

We have been great customers with good credit since 2002. My husband had car service which I was unaware of, therefore, I missed two months of making a payment, a very small required payment of a very small total balance due of $50. I was reported to collections which affected my credit score. Their process to remove this report should be available via phone or email, as opposed to a hand written letter which will need to be mailed, too much effort on my part, it may just be easier to find a new credit source.

After some years with no problems, all of a sudden I'm getting fees on my account. I made extra payments, but since they were in the same month, I was then charged late the next month. I can't work with that kind of fee mongering. When I call to discuss this the wait is so long I give up. Customer service, in my opinion, is pathetic. I will pay in full and never use the account again. I will notify Tires Plus that after many years I will no longer do business with them because Credit First is so difficult.

Last week, I checked my credit report. Suddenly I saw 2 delinquent reports from CFNA account. I immediately called them and asking why my account was delinquent as I paid on time and more than minimum due (which I signed up for autopay a week before my due date monthly) and somehow they still charged me late fees? I hardly check my bank statements since I opt for autopay. Now this concerned me as it's affected my credit score. And they told me they've been having issues with system (seems like typical excuses) and will try to solve this problem as I'm not the only customer affected with this? Since it showed I didn't pay for 3 months, the late fees kept on adding up! Although the money in my account had been taken out! Just beware! I'll definitely monitor this till it's resolved!

Although I am grateful for the credit given for car repairs, I am disappointed in the lack of ways to make payments on time. I have auto pay on all my bills. This company has NO options for this. They offer no App, which is OK but the agent told me I have to go to the website every time to make a payment or I can pay with a live agent for a fee. It seems very clear to me this company is not setting its customers up for success. I will be paying this card off ASAP and closing, never to use again.

I’m really not a person who writes these but I will now to make people aware. I just expect better services when I’m a paying customer. It’s also sad a supervisor can’t help once involved. I honestly don’t think I should be charged a late fee if I’m trying to pay my account and the services being provided to me are flawed and not allowing payment. As a paying customer I should be able to utilize the services that best fits me to pay. To make things worse to have a shift supervisor “suggest” I do it another way instead of attacking the issue is what makes this more worse. The kicker is they send me a bill every month but I still haven’t received my card and the excuse is my correct address isn’t on file. I receive a bill every month but I can’t receive my card. I will be paying this account and closing it. Hopefully someone else gets better service and not have to pay fees on this company’s behave.

I got a notification from TransUnion that someone attempted to open an account in my name at CFNA. I called and the first guy asked a bunch of questions and told me he couldn't find me. I asked if he was the fraud department and he said no. I said, "I told you that's why I was calling, why wouldn't you transfer me immediately." He was just seeing if he could help, he said. Eye roll. I get transferred and the fraud specialist said because both reports were frozen, an actual pull did not occur. I said both!? He informed me that when one is frozen, they try another. I explained to them that is a reckless policy. If a report is frozen, it's for a reason. And if it's a legitimate pull, the person applying can unfreeze their account immediately. Never in my life have I heard of a company running a report once, coming back frozen, and running it again with another company. Especially after the Equifax data breach. Shame on them.

I made two payments on my wife's Firestone account during the month of June - one in the beginning of the month, one around June 26th. My wife received a call today demanding a payment of 75.00 saying there was no payment for July. I was informed by customer service when I called that if you make two payments in one month they will not credit your account with a credit. This is basically stealing and morally and ethically wrong. I will not use this line of credit ever again nor will I buy a Firestone product again.

I opened up a Tires Plus credit account managed by Credit First National Association. After I received my credit card I asked to set up the account so that any balance due on the due date is automatically debited from my checking account. This is a feature that all of my other credit cards have. I was told that Credit First National Association (CFNA) does not have this feature available. All I can think of is this credit card company wants individuals to be late in their payments so that excessive charges for late fees can be assessed.

Just got off the phone with customer service. I got my check on the 5th of June, the day the payment was due. I came home after work and made the payment at about 6:15pm. Then I saw the notice that payments made after 5 pm would be credited the next day. I called today, the 7th, and had customer service check and YES, I was charged a late fee of 38.00 for not making my payment on the day due but not before they cut off posting. If you work and get paid on the day the bill is due but don't get off to 5 pm how in the heck are you supposed to make the payment "ON TIME"? They would only give me 19.00 credit as I was LATE making the payment on the day due but after 5. DO NOT TRUST THIS CREDIT BANK. THEY WILL AND I REPEAT WILL, RIP YOU OFF FOR EVERY FEE THEY CAN GET FROM YOU. Only bank worse is Synchrony Bank.

I have been having issues with them for months. I tried getting help over email only to have the rep stop responding. They were charging me over $100 a month claiming late fees and other fees when in all actuality they were not late. I had to take screenshots of my bank statements and payments/charges from the CFNA website and they did not match. Payments I had made were not given credit until days later... one was even a month later. They claimed I was not overpaying and it was all due to these supposed late fees. I paid those high amounts and when the following month they were over $100 again, a red flag went up so I only paid the $35 which was usually due.

I have a credit card with Credit First. I did a balance transfer to pay it off. My bank statement proves that they received the money on April 5th. They have it recorded as April 15th and charged me a late fee. I have called them twice only to get stonewalled. I have filed a complaint with the office of the comptroller of the currency (a division of the federal reserve) at 800-613-6743. I do not recommend using this lender for any reason.

I have had multiple issues with this credit company. They have charged me incorrectly before. I found the mathematical error and it took multiple representatives to go over my bill and add each "fee" one by one. Then lo and behold THERE it is. The mathematical error I had been trying to prove. Tell me this, if they are being truthful in their practices how come no one wanted to look into it and do the math with me to prove they were wrong. Looks to me like they good and well knew the mathematics could be wrong. They just want more money from you...

My young adult child made a bad decision in opening an account FireStone. The first bill came in and I decided to help them out and pay it off. It was a total of $32, not that big of a deal. Of course, more charges was applied over the next few months. As a parent, I advised that there will be no more help when. They would have to own their bad decision. When the bill became past due, the company decided to automatically take the payment out of my account without my authorization. Not only do they target young adults, they are unethical and inappropriately make withdrawals without authorization. Avoid this company at all costs!!!!

I got this card in October for repairs my truck. When the bill came I set up to auto pay every month to take advantage of the 6 mos interest free. I calculated the payments out for the time period. Before the sixth payment I checked the website and everything was good. My last payment was for this April. I happen to check my credit this week and my total for thus Bosch Card gone back up almost $300. I called. They said my last payment wasn't receive and that was late fees and the interest that was owed. For some strange reasons last months payment was last and the last payment mysteriously disappeared. So they're trying to get me for $278. But I see others have had the same problem with their auto pay. Also their website will only show 2 mos of payments at a time.

I am enrolled in a consumer counseling co. since last year. Which means they make payments on my behalf. CFNA reports me every month to the credit bureaus as delinquent account. Which I consider very unethical. Since they have been making the payments on time.

We purchased tires for my mom 4 years ago; drove in town and signed the invoice. The asst. mngr. VINCE took it upon himself to add her as an Auth. User without us knowing. 4 yrs. later she thought she applied for credit as she gave her social and wanted her own credit line, with them attaching her to us "WITHOUT PERMISSION." She had work done on March 15, 2019- and not once did we get a call from the store to see if we were approving the work to be done. We get a bill in the mail for the charges and VINCE tells her she committed fraud because we didn't authorize this- so now the store is trying to cover their own butt.

I have a Firestone card. Very pricey repairs. Then I had to take a cut in pay and got behind on payments. I have now lost my job. Struggling to keep a home. I keep getting calls from them that my account is about to be written off. Offer me good options with smaller payments. Problem is, unemployment does not pay a house payment with anything left over. Very RUDE saying they will note my account that I am not willing to work with them.

Earlier today I submitted a review regarding a $27 fee charged to my account because the payment was made after 5pm on the due date. I called CFNA and asked for a waiver of the late fee and it was granted to me. I learned a lesson and received a blessing. Thank you, CFNA. Joseph

Very disappointed. I made a payment on time. Then for some odd reason my payment was returned. I was was charged $29. I called and they said it was because when it was processed a number was missing but they would remove the return fee. I thought I was all set until three months later my score dropped by 30 points over $29! They never removed the fee and unfortunately I never knew about it until it hit my credit report. I will continue to reach out to this garbage company until I get the fee removed and it off my credit report. Stay away from this company. Read the reviews!

The level of ineptitude with this company is hard to comprehend. After being talked into the card at a Firestone, rationalizing to myself it may be nice to have in case of an emergency, it was all downhill from there. I don't know how they obtained my residential address from 3 residences ago, but they did, and supposedly sent my card and statement there. I had to call them 3 separate times for 30-45 minutes each time, for them to eventually get my address corrected.

I made the mistake of opening a Firestone CC to take advantage of the 6 months interest free offer, and have regretted it. I never received a credit card nor a paper statement as requested. Customer service informed me that they had sent a email instead. Well I went through my email and junk email, and nothing. I have paid off the credit card and will never use it again. Makes it easy that I don't have a physical card to actually use.

I make my payments at the store always a little more than the 32 dollars, 40 or 50. I always ask for the extra go towards the principal. Imagine my surprise when I was billed 190 for late payments. I didn't know and they never said anything at the Firestone store that it could take 5 or more days not counting the weekend for the payments to post. Then I was charged late fees and interest. The help center guy was even confused. Shady company at best.

Opened a Firestone credit account with a zero % for six months. Purchased a set of tires and after that made the monthly payments. My balance was paid in full on 5/31/2017 so I went ahead and closed the account knowing that I would never use the account again. I check my FICO score every month when I make my car payment and noticed from September to December that my credit score dropped by over 70 points so I had a credit report pulled from TransUnion and what do I see is that CFNA sent my account to collections for a $4 balance. My account was paid in full and closed in 2017. Time to contact a lawyer???

I've had my Firestone Credit Card for several years. I've authorized use for my son in the past before he acquired his own card. That one time authorization linked my card to his account and when he went to have work done, the service member did not verify which card was to be charged and wrongly charged mine. My card had a zero balance and I had no reason to suspect otherwise. Until I had an oil change and tried to use my card... Declined!! Found out that the account was 60 days late... They destroyed my credit score and dropped my credit limit in half and changed the terms of the card.

I was never sent a card and was charged two late fees $50 & $27. I was never sent a bill before the first late fee $50 and I made a payment before the second late fee $27. I'm paying off my account and will never do business with Credit First (CFNC) ever again...

CFNA is the worst credit card you can ever get. Their auto payment system is so flawed that it will end up screwing up your credit history if you are not attentive enough. I got it through Wheel Works due to some enticing offer, but it was a trap. It doesn't matter how you schedule the auto-payment, you will end up paying some late fee and they will not give any warning before reporting it to the credit agencies.

I've called them a few times regarding my Firestone credit card during different days but none of my calls were answered by Credit First (OVER 30 MINUTES OF WAIT TIME!). They also have a weird policy that if you make the payment after 5pm on due date, that will be considered the next day which means your payment will be considered late!!!

I have FLAWLESS credit history with all of my creditors. The CFNA autopay system is horribly outdated, and unreliable. I scheduled the allowed number of recurring payments, but after a couple, the rest just magically disappeared, resulting in negative credit impact. This has happened and been disputed by me several times, and they do not care. This company cares nothing for consumers, and are not honest. DO NOT DO BUSINESS WITH THEM.

My online/on time payment was acknowledged with a confirmation number but the payment apparently never went through. I got my next statement with a "PAST DUE" and a $19.00 late charge. Attempts to contact them by email and phone have gone unanswered. Whoever CFNA is they are idiots. Why Firestone associates with them I cannot understand. A definite blemish on Firestone. I have had good service from the Firestone store.

I was given 6 mos to pay off my Firestone bill with no interest, so I did that. But there has been no update on my credit reports since 8/13/18. So I called to inquire about this and got told my having paid off the balance in full wouldn't show til about 10/13/18. And meanwhile, it looks like I still owe them almost $150. Plus, I paid it in cash, the quickest way I know of. I have no idea why it takes that long for FC to show you have a zero balance, but there you have it.

I see a lot of complaints about payments and late fees. You all are aware that you can pay at any Firestone free of charge. That is how I pay my bill with them. I walk in and tell the rep I want to pay my credit card. He give me my receipt. All done. Add the excellent service in and this is a win win for me.

I'm writing this review for people making a phone payment on their Firestone account to Credit First National Bank. I make a partial payment while I to Firestone and then the rest of my payment by phone as I was leaving the parking lot. When I made a phone payment I was given a confirmation number and hung up. come to find out they charged me a late fee and said I was supposed to stay on the line and hung up too soon so they have charged my account a late fee and had to pay the rest of my payment again which doesn't cover the late payment. I'm not eligible for a waiver until next Sept. So beware for some deceitful tactic of banks trying to squeeze money out of customers. Any way they can make a buck. To me it is a dishonest policy and payment should have been posted since it was made on time and before the payment date.

February 12, 2018, I inadvertently made a payment to Credit First National Association on an account with a zero balance. The logical and right thing to do was return it. But oh no, they issued it to the account. WHY? It has been at least two years since I last used that account. February 15, 2018, immediately after discovering my mistake I contacted CFNA to request a refund. After following their instructions went to the bank explained what happened, what was required to correct it. My personal bank representative spoke to their supervisor, verified required information. The supervisor promised I would receive the refund within 7-10 days which would be February 28, 2018.

Enticed by Commerical Tire to purchase tires through their "easy" no interest for 6 months program, via CFNA. Well, like other folks the statement showed up late indicating a late fee for $35.00, then did other research and VERY UNLIKE, other financial offers such as Home Depot, etc., where truly 6 month no interest, means EXACTLY THAT. Well CFNA not only miscalculates for late fees like Wells Fargo did, but also WILL CHARGE YOU INTEREST ON THE ENTIRE AMOUNT IF YOU GO 1 HOUR BEYOND the 6 months. That is dishonest or misleading in advertising. At least Sears, or other entities that issue 6 month no interest, only charge interest on the remaining balance. DO NOT USE CFNA.

I am boycotting Credit First N.A. because they have screwed up my V. A. Loan by reporting a bill that doesn't belong to me, it belongs to another person, and it is not FAIR! They hate Veterans, and Gold Star Family Member.

I have my account set up for automatic payment. However, a charge raised my minimum monthly payment and I was charged a $35 late fee. This happened for four months. When I finally caught it, I called Firestone and explained that my accounts are set up to automatically pay the minimum amount if my payment isn't enough to cover the required monthly payment.

I applied for this card through Firestone Auto Care when purchasing winter tires. I was approved for $1k and 6 months interest-free. No problem there. I'm one of those people who meticulously record, pay, and mail each bill at the post office immediately - and made no exception with this card. However, on each monthly statement, I've been charged a $25 late fee. My credit score has taken a massive hit.

My payment is due the 13th of every month. I work until after 5, but when you go to pay your bill after 5, they will not schedule it until the 14th. You then get a late fee because it is late. When I called, the kid that answered the phone said nothing they can do and was cocky. Do not get this card if you are going to make your payments on the day your card is due. Last I checked there was 24 hours in a day, unreal and should be illegal with todays technology.

CFNA has made it as difficult as possible to pay my Firestone bill. They sent me ONE document a couple weeks after signing up for 6 months no interest, which stated my Credit Card would be in the mail shortly. Since that time, I have never received anything else from them. I have called numerous times. Only once did they give me enough information to setup my account on CFNA.com. Since then they still have not sent me my credit card and if you forget your username you need your CFNA Credit Card number to find your username.

Took vehicle to repair shop for brakes, everything seem to be fine. Checked wheel nuts as always when anybody removes tires. Wheel nuts were all different, looked over invoice. The spot for torque was never filled in. I disputed the charge with owner, credit card company. The owner said they were torqued. I asked for copy of all papers I sent in. The person I talked said he didn't care. Paying bill off then I'm with Credit First National Association.

Applied a credit card through Credit First National Association via Firestone. Reason why is that I was suckered in by the "NO INTEREST FOR SIX MONTHS!" by store manager. I was not told if I didn't pay the full amount within six months, I will be paying the interest that was supposed to be for the first six months that I had the chance to pay the amount which was $1000.00 that had accumulated to an interest of $77.24. I was paying more of the minimum each month so that I would have less interest charged after the 1st six months. I shouldn't have agreed to open one. I should have know better. Anyways, not going to deal with Firestone or CFNA in the future. Or maybe the Firestone site manager didn't care about his customer. He just wanted to get his quotas to be on the top credit card seller.

My car broke down in May 2016. I wanted it close to my job so I could walk to and from when it was ready for pickup. The manager was great and I needed a lot of work, more than the card approved me for so he messed with the numbers and made it work. Anyway, fast forward to the first payment I get a late payment fee. Landed on a holiday. Figured my mistake so let it go. Well then I get another and call and complain... then another after that and they will not fix anymore. I have this card set up like every single one of my other bills and I pay on it every 2 weeks yet somehow the fates keep changing and I keep getting late fees!

I have a Firestone account. I have been making payments on my account since July of 2016, I had no idea that each and every month I have been getting late fees because I chose to make cash payments at the facility where I take my car. No one ever told me that if I make a payment in the store location that they were going to post it 1 day not 3 to 4 days. I make the payment on the 8th of the month and it has posted for the last 10 months on the 9th so a day later and I have been CHARGED 35 or LESS each and every month but I am supposed to know this but their automated systems says if you make a payment after 5 pm you are subject to late fees.

Sept. 2016 bought new tires at local Firestone store $264.11. Store manager informed me that if I sign up for a Firestone Credit Card, that I will have 6 months interest free to pay off card, so I divided the balance into 6 monthly payments. Little did I know that the balance did not qualify for 6 months interest free. I have $117.00 in late fees. Firestone did not inform me that an minimum of $299.00 is the minimum that qualifies for 6 months interest free. They subtracted only one late fee.

This is by far of the worst companies I've ever dealt with. Don't waste your time or your money on this company. They are thieves. I know many people that go through this company and after telling them what they did to me they will not continue with them. I paid these people almost 900 dollars to pay off for what services they did to my car. First of all FIRESTONE didn't even fix my car properly. Then when I wanted to pay them off they wouldn't accept the Discover card. Well that is all I had. Then when I talked to a supervisor. They said that it was fine to mail in a money order. Well I live in Phoenix AZ and their company in OHIO. They knew that it would take a while and then after I sent the rest left they tried to tack on late charges because it didn't get there in time when I was well assured that that was okay that I sent the money order in. DON'T waste your time. They stole plenty of my hard earned little money that I made.

I rarely use credit cards. The Firestone asked me to place my recent repair on my card and I agreed. First payment by debit Visa was rejected by CFNA - Cost to me $25.00. Just reviewed February bill online - said I have a $35.00 late fee. I called and CFNA said they emailed me my bill for Feb on 1/27/17. I have no bill or email reminder. I have to pay another $35.00. So no I have given CFNA $25 & $35 = $60. I cannot afford their cheating game. I closed the account and will pay off this credit this week. I need tires and other car services, but WILL NEVER use their credit card scam service again! We all need to complain and stop these ripoff credit card services!

I wish I had read these reviews before I let them talk me into an account. About 2 months ago I set up schedule payments online. I was not advised that it was a one time deal. Payment did not go through and they charged me late fees and interest. They never sent me a bill or reminders stating that my account was past due and I was late. I would highly suggest to stay away from CFNA, this is the worst credit card company!

Sent August 26th. Processed by Firestone on August 31st. $90 5 days. Sent Sept 22. Processed by Firestone on Oct 4th. 12 days. Examples of time they take to process a payment, bill is due the 1st of the month. November 1st payment made like the others through my banks. Web bill pay on October 28th. Not processed till November 10th. 13 days and what do they do? They penalize you with late fees, is it my fault they don't take wired payments directly from your bank like the others do? Is it my fault when they sit on it for 2 weeks? I will finish paying this card when I can and I will not use them again, this is not the first time.

I pay all of my credit cards online. CFNA ("Firestone CC") is the only site I consistently have trouble with. The site no longer recognizes my account (even though I'm using the 'saved' passwords on my computer) and now even their voicemail is acting up. Since I couldn't get the online site to work properly, I called their 1-800 number, which put me into 'voicemail hell' as it continually refused to recognize my payment. It just kept asking, "Would you like to make a payment?" (I just made one, thank you... At least, I THINK I DID! Guess I'll have to check my bank statement to make sure.) And just to show you how out-of-touch this company is, my monthly paper statement has the same EXPIRED coupons printed on the back every month. What idiots.

I hate the fact that they don't accept all checking accounts to make payments from and they also cut-off payments to post the same day at 5 pm. I would not recommend this credit card to anyone. I cannot wait until this is paid off. I know that credit cards are in the business to make money but this is so crazy. I have to just through so many hoops to pay this bill.

I am a long time customer have always paid on time. I tried to set up auto pay by phone in August. I was not advised that it was a one time deal. I didn't receive any notices stating that my account was past due and I was late. I found this information out from my credit report. I was furious as this dropped my score tremendously. I called spoke with a rep about the issue. She informed me that I could make a payment now. No explanation on why I didn't receive a late notice before my account was 31 days past due. I asked about the auto pay. She informs me "we do not do auto to pay". I am confused.

I got this card for the 6 months of no interest. I pay all my bills on time and I'm very careful not to let one lapse. The CFNA site won't allow you to set up automatic payments, which is the first bad sign in my book. They will let you set up payments for up to 3 months though. I work on a computer all day and know how to use one. I pay almost all of my bills online. When I set up the first payment to come out prior to my due date, it appeared to go through like it should. (It doesn't show anything like "Payment Accepted" to let you know though.) The due date rolled around and it did not come out. I was charged a $23 late fee! I called, but they wouldn't remove the fee. Since then, in the middle of the month I randomly pay the minimum just in case. They make it confusing on purpose. It's almost paid off. I've already cut up the card!

I reviewed my credit report and saw a 30 day late mark for CFNA. We noticed we stopped getting our bill. Somehow we got switched to paperless billing. We always pay all our bills on time. We called them up and they agreed to remove it as they saw I do not make a habit of making a late payment. They said just dispute it and put that it was an oversight and they WILL remove it. Well I did what they said and they did not remove it. I will never get any credit with this company again.

I have had a Firestone card for at least 15 years. I think that was even before Credit First. I am very on top of my finances and am never late or forget a payment. I check their website twice a month when I have an ongoing balance to make sure everything is correctly posted. For this company, all of this mandatory. The result is I get six months free financing on my tires. It has worked well for me but don't use the card if you are not willing to put in the time checking up to be sure your account is updated; use another credit card or pay cash and be safe.

I wish I had read these reviews before I let them talk me into an account. Same exact scenario as those mentioned above. Buying tires at the local Firestone store 4 years ago and I got the hard sell on this card from the assistant manager (who must get commission for signing folks up). So, I was a good customer, paid off promotional rate on time. 2 years later a family member used my card for an oil change (unbeknownst to me), apparently they switched me to a paperless bill. I didn't pay the lousy $40 because I DIDN'T know about it. 3 months later I get an overdue notice which I immediately called and paid. A customer service rep told me "don't worry, this won't hurt your credit".

It turns out that I made an error in writing my account number. I thought it was weird because I used the same number I have used with other EFTs and never had a problem. Oh well, I guess things work differently with certain businesses. However, I am happy that I can finally build my credit back up again.

Never sign up to go paperless. They never send you reminders or bill updates. They want you to forget so they can hit you with late charges. I have a bill reminder on my phone. My phone broke so I work by paperless bills from my emails. I have about 20 bills that I pay a month, all paperless. All got paid but Credit First because they never sent a electronic reminder. 2 months later I get a letter saying that I am two months behind on my account with a 25.00 late charge and a 35.00 late charge. I tried talking to customer service and a customer service manager. Mind you I have used this card for over 5 years, never been late, paid out accounts and open new labor jobs. She said they could not help me. OMG.

I have been a customer with CFNA for over 5 years with proof of great history (credit report). Recently, I forgot to make two monthly minimum payments due to being on a no interest installment plan. I changed emails and wasn't checking my previous one very frequently and basically forgot about it. Instead of calling me and notifying me of a late payment, they cancelled my card, reported me to the credit bureau and ruined my credit. A simple phone call would have got the whole thing paid off along with fees I was willing to pay and a continued customer. No bank has ever treated me in such a poor manner. I would highly suggest to stay away from this company!!!

I had this card about 4 years. Over the course of 4 years they have constantly changed their credit card agreement. I finally have taken this matter to a consumer fraud lawyer regarding their unethical practices. They advertise 6 months interest-free, but if you have a revolving credit none of your payments go towards that balance until 2 months beforehand. They will not allocate any of your payments if you ask them to. They told me they were not set up to allocate payments and they are withing the 2009 credit card law to do so. I submitted a complaint with the consumer fraud site and went back and check all statements over the last year. I found 2 promo balances that they never applied any payments toward the last 2 months like they state in their agreement that they would. I ask everyone to go through all your statements. Do not let them get away with what they are doing.

I have had two cards with this company. Ironically as I was making the last payment both times, they seem to have disappeared from their system. I was then hit with a late fee. I did not receive any notice that my payment was late. I have had several other credit cards and I have never ever paid a late fee.

I always make sure to pay off credit card before promotional date. I had one small payment left before the promotional deadline. Almost 2 months later I get a letter saying that I'm past due $19.00 fee and $51.00 charged in new interest. They purposely did not deduct or post my payment. And I did not get a Statement prior to let me know I had a "balance". Plus if you make a payment past 2pm Pacific time it counts for the following day with $19.00 fee. Every other bank is midnight East Coast or 9pm Pacific. I can't believe they have not been sued for ripping off all these people in the other post.

I have taken more than 45 minutes out of my day to write you this letter and deal with this situation. 4 months ago I opened an account with Firestone/Credit First NA. 6 months same as cash. What a scam these guys are playing. They alleged that my first payment was late, which at this point I doubt that it was. The day I got home from Firestone I set up four installments to be paid through my bank to First Credit NA. FCNA got all four payments. The last of the four payments left my bank on the 4th of the month and took 11 days to get to their offices in Cleveland. I think the pony express could have gotten it there in half the time.

I used my Firestone card twice in the past 1 year. About 2 months ago I set up schedule payments online. Payments did show that I have been paying on my account. I am in the process of buying a house, so completely forgot about this good standing account. Last night I received a notice from my credit monitoring service, that my score dropped 80 points! Due to a delinquent payment. Guess who? I received no communication from CFNA in regards to a bill or late payment. No paper bill, no email, no phone call... nothing. Terrible website not friendly, people there try not to respond to your needs or questions; never on the same page to help resolve issues. False statements to Credit Bureau.

I used my Firestone card twice in the past 4 years. About 2 months ago I used it just to keep it active. I am in the process of buying a house, so completely forgot I used it. Last night I received a notice from my credit monitoring service, that my score dropped 80 points! Due to a delinquent payment. Guess who? I received no communication from CFNA in regards to a bill or late payment. No paper bill, no email, no phone call...nothing.

This people sent me to a collection without contacting me for a payment. I had my credit card payment taken from my checking account automatically but somehow they have a bad website that is not working.

In short, I paid my bill early, and then I receive a $19 late fee charge (for what they say is 1 day late). These people are **, and I'm being polite.

Needed new tires and didn't have enough for all 4. I was approved with CFNA. I have used this card for many years, no problems. It does help to read all policies with any credit card company. I see many have not done that.

Luckily, when I got through to someone, they backed off the late fee. I tried to cancel the card several times, but they will not do it, even though they agree on the phone to do it. I still get random mail from them, and it appears on my credit report as open.

I cannot believe a company can get away with deciding which charges they are going to post payments to. My son opened an account for new brakes and the balance was part of a promotion. So he had 6 months to pay the balance without having to pay any interest. A couple of months later, I used the account for a couple of tires. All the payments I made went towards the tires and not the brakes, so now we are being charged the interest! When I called customer service I was told payments are applied to any non-promotional charges first. This is complete **! Payments should be applied to the OLDEST balance! This is very unfair and crappy service!

I opened an account w/ CFNA to replace 4 tires at Firestone. I let them e-Bill instead of paper. Huge mistake. After having faithfully made monthly payment more than the minimum payment for 7 months, I was 2 days late in making my payment. After that they continued to increase my payment due & assess higher & higher past due fees. Since I did not receive a paper bill & only used the payment area of their website, I had no idea I was accumulating all of these fees. I continued to make my payment & in June I scheduled 3 months worth of payments still having no idea there was a problem.

I have never had so much problems with a credit card. I noticed that I was getting charged late fees when I had paid my bill the month before so I called the company and they said that they see that I got charged the month before as well. Now yes I am late lately a lot but not these 2 months and he said that I was paying my bill too early and it was going towards the month before's bill. He said he could not do anything about July's bill but gave me $35 for August bill. Looking at my statements they also charged me in March and May.

CFNA is the worst credit card company I have worked with. I am disabled & have requested them to change my due date to coincide with my disability check. They have refused & this has made it hard for me. Yesterday I had heart problems & was past the cut off time paying online - this will mean a late fee unless I can get them to reverse it. I have no difficulty in paying all of the rest of my credit accounts or my other bills - this is the only one that is difficult for me since it is all by itself (in terms of due date). I only have so many days that I feel up to doing bills and it helps a great deal to sit down and do all of them at one time.

I am 100% pleased with Credit First. I have less than perfect credit (all 3 scores between 550 and 590), so when I applied online for the charge account, it referred me to call in to give more info, which I did, and they approved a new $900 credit limit charge account for me. I do appreciate that.

I am shocked to hear about the horrible reviews thus far of this company. My husband and I have been pleased with our credit account with CFNA. We haven't paid interest on car repair work thanks to their 6 month free interest. We've had some costly repairs, but if you have the means to pay it off in 6 months, this account is gold. The "catch" is that you have to spend at least $299 before tax to get this promotion. What others also don't realize is that if that balance (even if there is 10 dollars left and the promo time expires) is not paid in full by the promo end, you will pay interest on the WHOLE amount you originally financed. Not just that 10 dollars.

I opened an account with this company in June 2014 in order to pay a bill with Firestone. I went in for an oil change only. They found a nail in one tire, told me it couldn't be repaired, and I had to buy a tire. I was told at the time that if the bill was paid off in six months, no interest would be charged. I have been late with payments, but although I have paid $165.00 of the $204 owed originally, my balance owed is $207.33. Even with late payment fees, I find this totally unreasonable. I advise anyone doing business with Firestone to refrain from getting a credit card with this company. I will certainly never do business with Firestone again.

On 6/18/14 I'm so sorry I open a account with these people, I never paid late, always before time. I always thought a credit card was to build your credit not DESTROY it. They mess my credit score, in the beginning the company reported that I paid on time, but they didn't put the correct balance and I lost 28 points on my Beacon score. And now, the start of a new year, they did it again. I always check my score after this, my credit score was 649, it drop to 604 base on the report they sent to the credit bureau. Now my credit history is destroy.

I received a second privacy notice (after filling one out a few months ago) that they said had to be filled out to prevent selling my private info. When I tried to call them to inquire about the issue, I had a hard time reaching a human. It took several phone calls because even the phone number for questions put me into an automated system. The system told me to leave my social security number on a messaging system. Who knows who would have gotten that info and what they would have done with it. When I finally reached a human, I was told they needed my SSN. I refused because I did not know who I was dealing with. Upon reaching a supervisor, I was told that it was common practice to use the SSN to locate an account that it was usually left on the recording by customers. My account was located with my name, so the SSN was unnecessary. I am concerned about their use of private info and risk of identity theft.

I was persuaded by Wheelworks to open up this account to give me a couple of months to pay my bill. I paid the first payment of $249.00 on 10-6-2014, then on 11-14-2014 since I never received a new bill for payment I called the so called customer service number which is always automated no matter what time you call it and paid my bill in full $1,000.00 authorization #**. On 11-23-2014 I finally received a statement stating that payment was received, but still owed $1,000.00. So, I wrote a detailed letter on 12-1-2014 after trying numerous times calling customer service with nothing. I never heard anything until tonight I received a letter that I was past due!!!

Cfna, aka Firestone credit is a disgrace. They encourage online payments, and I use this if for no other reason than using their representatives is a 10.00 fee, and paying at the store creates a backlog situation where billing is not necessarily updated with data bases from stores in a timely fashion. Consequently, you can make a store payment up to 3 days early, and they will still assess a late fee because the stores and the credit card payment databases are not aligned.

I had paid my bill by the due date at the store and on my next bill I had a late fee from my last payment but why, I ask. The due date is not actually the due date. If you are paying the bill in the store you must get your payment paid well before the due date on your bill. I had requested it be reversed and it was. I then knew for future payments to pay well before the due date if paying at the store. I now have been paying before due date and payments are still not being received at cfna on time and I receive more late fees. This is bull crap. I have no interest for 6 months because it helps me save money and pay for unexpected repairs on my vehicle. But this is just a way for cfna to make up for that. Bs!!

I have had my credit account with Firestone (Credit First for quite sometime). My dad recently passed away and I missed two payments. When I called them, they were rude and nasty and when I tried to speak with a supervisor, she was not compassionate at all like the previous customer reps and supervisor. I put a call into the office of the president and have not gotten a return phone call back yet. How uncompassionate can you be. They told me that they could not remove any fees from my account since they removed, to which I would not have encounter had it not been for the people in their credit department. I was told that I could make the payment in the store and when I did, they gave a later charge stating that it takes 3 days to credit payment to my account from the store, something I was not aware of.

I went to Firestone for tire change 3 years ago and was trapped into this CFNA credit card for 6 months to pay the purchase amount. After I received the credit card, I then realize it's a "credit card" and a new account was created in my credit history. I blamed it on my ignorance initially as I was relatively new to American financial culture.

Many people complain about CFNA; however they are a legitimate financial company that is very friendly and contrary to popular belief seems to uphold their promises. I see everybody complaining (I was late by 2 days, or I paid $5 less than the minimum and they charged late fees and all this interest). Guess what? You broke the deal not them. I'm sorry. Also if you pay a bill through your banks online bill pay then the credit card companies promise of same day online bill pay doesn't work. Because of the way banking works they don't even know that you sent them money for several days (could be up to 14 days or longer if security concerns or holidays delay the process) as these transactions go through the Federal Reserve. Also everyone saying their customer support is subpar? Every time I have called their office I have been greeted quickly and my issues were resolved fairly.

I was persuaded by my local Firestone store to open the account and enjoy six months interest free. I determined to pay more than the minimum amount and clear the balance early so I went ahead. At some point I opted for paperless billing and when the card arrived, I set up online payment and made my first payment. I received no notice of payment by email but rather an email stating payment due. It was at this point, about a month after the purchase, that I searched the website and found the monthly statements that, to my horror, depicted interest charges and late fees. I called CFNA and an agent told me that my initial payment had been used to defray the balance but none of it applied to the monthly payment due because I had missed a deadline (the auto work was done four days prior to the end of a billing cycle and I was out of town and unavailable to open the envelope the day the card arrived.)

I paid my payment over the minimum due by several hundred dollars on April 29 through my bank's bill payment service. My due date was May 15. They didn't post the payment until May 16 and charged me a $35 late payment fee. I think that over 17 days is plenty of time to post a payment!

I received a credit card in the mail that clearly implied I already had an account with CFNA Firestone. When I called the customer service line and entered the account number on the card, the system actually recognized the last four of my social. I've contacted them via email but have had no response. This is clearly a case of fraud and I'm quite concerned.

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.

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.

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

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.