Business Profile

Credit Cards and Plans

Credit First National Association

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This business has 1 alert

Pattern of Complaints

Complaints

This profile includes complaints for Credit First National Association's headquarters and its corporate-owned locations. To view all corporate locations, see

Customer Complaints Summary

566 total complaints in the last 3 years.
201 complaints closed in the last 12 months.

If you've experienced an issue

Submit a Complaint

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

Initial Complaint
Date:07/14/2025
Type:Billing Issues
Status:
UnresolvedMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
5/18/2025
I had an appointment at ********* ******** Auto Care to replace my tires and I signed up for their store card through CFNA with a total of 1,142.93. My issues started when the employee used the incorrect address, and not the one on my drivers license that I handed him. He told me that he could fix it in their system and I took his word. Two weeks went by and I hadn't received a card or any information in the mail, so I reached out to ********* and they provided information for me to contact CFNA. May 31, 2025 I sent documentation to fix my address so that I would receive my statements, I had also requested that they cancel the previous card and send a new one to the address I provided. One of the mailing documents I provided wasn't sufficient, so on June 5th, 2025 I provided a Utility Bill as proof of address as well. I was told a new card had been issued on June 6th, 2025. At this point I had not received any billing statements via email or by mail and felt completely blind in what was going on with this account. I wasn't given a date on when to expect my card, but assumed typically 10 business days and I would receive it. Its now 6/24/2025 and I called to inquire on where my card was. I was told that it would take a month, and that I was also charged a late fee. I disputed the late fee considering I hadn't received a bill, nor my card and was told that the late fee would be waived. I had to go in to ********* to make a payment on 6/30/2025. I expected my card by 7/6/2025, but was on vacation and didn't return home until 7/12/2025. Still no card received. I called today, Monday 7/14/2025 to find out that because my account was delinquent they didn't send my card out, and are now capable of sending it to me within two weeks along with my first statement that I requested and hadn't received. Without the card number it limits my access to my account information. I have my second statement, but it isn't accurate at this time.
Business Response
Date: 07/15/2025
Credit First National Association (CFNA) is in receipt of
this communication, and we will be responding directly with our customer to
resolve this matter. Please allow up to 30 days for our investigation and/or response.
Customer Answer
Date: 07/16/2025
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.

[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
I have no reason to believe that things will be handled appropriately at this time due to the continuous complications I’ve experienced. I have your word that the business is doing an investigation, but I need to make sure the actions they take match their word.

Regards,

****** ******
Initial Complaint
Date:07/14/2025
Type:Service or Repair Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I’m writing to file a formal complaint regarding the recent reopening of my CFNA ********* credit card account and the unjust late fee assessed on the account.

In April, I paid off and closed my previous CFNA account. In June, after a brake replacement at *********, I reopened the account. I received a letter confirming the account was reopened, but no card was included. When I attempted to log in to make a payment, I was directed to my old, closed account, which showed a $0 balance. I believed no payment was due.

Over the next month, I continued logging in using my previous credentials but still saw no new account or balance information. When I didn’t receive the new card after 30 days, I contacted customer service. The agent acknowledged the confusion, apologized for the delay, and confirmed the card was never mailed. He submitted a new request and closed the old account. However, I was then informed a late fee had been applied.

I explained that I was unable to make a payment because I never received a billing statement, a card, or even notice that a payment was due. Under the Truth in Lending Act (TILA) and Regulation Z, creditors must provide a billing statement at least 21 days before the due date if they intend to charge late fees. I received no such notice. Still, the agent refused to remove the fee.

This mirrors why I closed my account before. It’s unacceptable to penalize customers for errors in your process. I’m requesting the removal of this late fee and confirmation it won’t impact my credit. If not resolved, I will file a complaint with the *****
Business Response
Date: 07/15/2025
Credit First National Association (CFNA) is in receipt of
this communication, and we will be responding directly with our customer to
resolve this matter. Please allow up to 30 days for our investigation and/or response.
Initial Complaint
Date:07/14/2025
Type:Customer Service Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
On or about July 13, 2025, I received alerts from the credit bureaus that my CFNA credit card account was closed by CFNA. When I contacted CFNA, I was told my account was only temporarily "blocked" because my payment was returned. I immediately replaced the payment (well before the due date), and that replacement has successfully processed and been credited to the account. CFNA says my account was never closed but will make no attempt to correct what was reported to the bureaus.

What are my options? I want what they reported to be credited.
Business Response
Date: 07/15/2025
Credit First National Association (CFNA) is in receipt of
this communication, and we will be responding directly with our customer to
resolve this matter. Please allow up to 30 days for our investigation and/or response.
Initial Complaint
Date:07/14/2025
Type:Billing Issues
Status:
UnresolvedMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
The company opened a ********* account for me.. They are not sending me my statements by mail or email. I want to make sure there are no late fees or negative credit reporting and I want to resolve the problem.
Business Response
Date: 07/14/2025
Credit First National Association (CFNA) is in receipt of
this communication, and we will be responding directly with our customer to
resolve this matter. Please allow up to 30 days for our investigation and/or response.
Customer Answer
Date: 07/15/2025
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.

[To assist us in bringing this matter to a close, we would like to know your view on the matter.]

********

****** *****

Business Response
Date: 07/16/2025
Credit First National Association (CFNA) is in receipt of
this communication, and we will be responding directly with our customer to
resolve this matter. Please allow up to 30 days for our investigation and/or response.
Initial Complaint
Date:07/09/2025
Type:Customer Service Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
CFNA ********* Card
Made purchase at ********* ******* on 5/1/2025 requested rewards be converted from points
Spoke with CFNA customer service agent to clarify process since my rewards were set to expire on 5/4/2025. Instead of utilizing rewards on customer service, they marked the points as expired. I contacted CFNA again after to dispute them marking the rewards points as expired. I was transferred to a manager who assured me this would be handled. It was not. I had to call again and spoke with a different manager. Who told me not to pay off balance and rewards would be applied. Now 4th call long hold times and still not resolved.
Over $120 in earned rewards not able to be utilized due to ineptitude by this company. They charged me a late fee. I will not be doing business with this company again. I am seeking $110 in rewards and the $29 late fee reversal.
Business Response
Date: 07/10/2025
Credit First National Association (CFNA) is in receipt of
this communication, and we will be responding directly with our customer to
resolve this matter. Please allow up to 30 days for our investigation and/or response.
Initial Complaint
Date:07/08/2025
Type:Service or Repair Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
********* Credit Card (CFNA)
On July 6, 2025, I unexpectedly received a ********* credit card by mail. Card Number: ****************. I never applied for this card, nor did I authorize any such application. Upon calling *********** automated service, I learned that the account was already active with a credit limit of $6,000 and a current balance of approximately $2,824.80.

Since it was outside business hours, I contacted *********** customer service again on July 7, 2025, and officially reported the incident as fraud. To date, I have not received any updates or resolution from ********* regarding the fraudulent account.

I immediately notified the ******* Police Department and they sent two officiers to my location and I told them details abount the fraud case. They record this and give me incident number *********.

I respectfully request that ********* and CFNA:

Immediately close the fraudulent credit card account;

Ensure the card is deactivated and rendered unusable;

Report the identity theft to the three major credit bureaus (*******, ********, **********);

Remove any hard credit inquiries related to this fraudulent application;

Provide written confirmation that I am not liable for any charges or debts associated with this account.
Business Response
Date: 07/09/2025
Credit First National Association (CFNA) is in receipt of
this communication, and we will be responding directly with our customer to
resolve this matter. Please allow up to 30 days for our investigation and/or response.
Initial Complaint
Date:07/02/2025
Type:Product Issues
Status:
UnresolvedMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I overpaid my account by 25.55 and they want me to wait 60 days before I get a refund
UNACCEPTABLE!

I called everyone I could in regard to this at CFNA and even tries the parent company (listed as *********** on the web)

I WANT MY MONEY REFUNDED NOW AND INSTEAD OF A CHECK I WANT ACH FUNDS
Business Response
Date: 07/03/2025
Credit First National Association (CFNA) is in receipt of
this communication, and we will be responding directly with our customer to
resolve this matter. Please allow up to 30 days for our investigation and/or response.
Customer Answer
Date: 07/03/2025
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.

[To assist us in bringing this matter to a close, we would like to know your view on the matter.]

888-hey wouldn't give any customer 60 days to PAY the bill WHY would I give them 60 days? Nope ...My money needs to be with me within 10 days of that check hitting my account (that is the WORST case or LONGEST it should take BECAUSE the ************ fund were in the form of a cashiers check )

Regards,

*** ********

Business Response
Date: 07/08/2025
Credit First National Association (CFNA) is in receipt of
this communication, and we will be responding directly with our customer to
resolve this matter. Please allow up to 30 days for our investigation and/or response.
Initial Complaint
Date:07/01/2025
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
COLLECTION AGENCY is violating the Customer Name, they removed it from one bureau and did not removed it from rest of the bureaus.
Business Response
Date: 07/01/2025
Credit First National Association (CFNA) is in receipt of
this communication, and we will be responding directly with our customer to
resolve this matter. Please allow up to 30 days for our investigation and/or response.
Initial Complaint
Date:06/30/2025
Type:Customer Service Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
this about a ********* account credit first na *********. the work was never done to the vehicle. I went ahead and paid it so it wouldn't affect my credit. I then used you guys and **** settled out of court and cut me a check for $1200.00. remove this from my credit report.
Business Response
Date: 07/01/2025
Credit First National Association (CFNA) is in receipt of
this communication, and we will be responding directly with our customer to
resolve this matter. Please allow up to 30 days for our investigation and/or response.
Initial Complaint
Date:06/26/2025
Type:Customer Service Issues
Status:
UnresolvedMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I had an account with a back balance that I paid in full, the company has refused to send me a receipt of payment. I have requested an email copy and they refuse, when calling i have been told to call back or it sends me to a voicemail that my call is not returned.
Business Response
Date: 06/27/2025
Credit First National Association (CFNA) is in receipt of
this communication, and we will be responding directly with our customer to
resolve this matter. Please allow up to 30 days for our investigation and/or response.
Customer Answer
Date: 06/27/2025
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.

[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
The entire issue is lack of timely communication and proof of payment on their part, the proof of payment is needed for a mortgage approval and a 30 day window for a response is unacceptable on the part of the company. I have already been waiting days from a response from them with no contact made in their part.

Regards,

********

Business Response
Date: 06/30/2025
Credit First National Association (CFNA) is in receipt of
this communication, and we will be responding directly with our customer to
resolve this matter. Please allow up to 30 days for our investigation and/or response.

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This business has 1 alert

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Credit First National Association is NOT a BBB Accredited Business.