ComplaintsforCredit First National Association

Credit Cards and Plans

Current Alerts For This Business

Pattern of Complaint:

BBB files indicate that this business has a pattern of complaints concerning customer service issues. Specifically, customers allege that they are not receiving prompt callbacks or communication when reaching out to customer service. Customers rarely get responses to emails and no one answers the phones when customers call to seek assistance. While the business does provide an automated response to the complaints filed with the BBB, many customers have said that no one from the company has contacted them. On April 27, 2023, the BBB submitted a written request to the company encouraging them to address the pattern of complaints. The business has contacted the BBB but have not addressed the pattern.

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Initial Complaint
09/16/2024
Complaint Type:
Billing Issues
Status:
Unresolved
The business responded to the dispute but failed to make a good faith effort to resolve it.
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
09/12/2024
Complaint Type:
Billing Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
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
09/09/2024
Complaint Type:
Billing Issues
Status:
Unresolved
The business responded to the dispute but failed to make a good faith effort to resolve it.
I'm submitting this complaint regarding CFNA's refusal to waive a late fee on my account, which stems from their failure to provide the necessary access for me to manage my payments efficiently. I never received my physical credit card or any account statements, making it impossible for me to set up an online account for easier payment management. Consequently, I’ve been forced to call CFNA every time I need to make a payment, and the hold times are typically over 30 minutes, which has been incredibly inconvenient. Despite these ongoing issues, CFNA is holding me responsible for a late fee that was a direct result of the lack of proper access to my account. They are at fault for not providing the essential materials needed to manage my account, and I am requesting that this fee be waived, considering the circumstances were beyond my control. Thank you for looking into this issue.
Business response
09/10/2024
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
09/10/2024
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 is a nonsensical automated response from them. No attempt has been made to reach me directly, and I have already retained an attorney to resolve this matter. It's also worth mentioning that when I attempted to make a payment via their automated phone system using the checking account on file - the payment failed and routed me to their long agent queue. They have given me so reasonable options to pay my balance and will be dealt with. This could have all been avoided had they done the right thing and simply erased the ridiculous late fee.

Regards,

****** ********

Business response
09/10/2024
Credit First National Association (CFNA) is in receipt of this communication, and we will be responding directly with *** ******** to resolve this matter.
Customer response
09/11/2024
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.

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

Regards,

****** ********
Initial Complaint
08/30/2024
Complaint Type:
Billing Issues
Status:
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.
On 6/8/23 an account was opened in my name at a ********* location in NY. The account ended in *****. This was deemed as identity theft and filled with Equifax and said creditor. I received an updated credit report today and the account is still active. I called ********* where Ivy stated this account was closed with a $0.00 account balance due to identity theft and submitted as such. Yet Equifax has not received anything. The Equifax Confirmation # *********** The case number stating this has been resolved is *************. ********* told me they could not personally send me a letter stating this resolved and Equifax said they should be able to as well as filing the electronic paperwork. The account is still saying I owe $907.00. I have never lived in NY and am now requesting a copy of the original application and letter of cancelation.
Business response
09/03/2024
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
08/22/2024
Complaint Type:
Billing Issues
Status:
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.
Aytempted to collect a debt from me using a 3rd party. This company isn't licensed to collect in the state of Georgia.
Business response
08/22/2024
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
08/20/2024
Complaint Type:
Customer Service Issues
Status:
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.
I applied for my credit out of Firestone since FRNS are not money.!!!And I was denied my own credit and sent a fraudulent letter stating false information…So they can steal my personal private information…So this bank committed IDENTITY THEFT and they discriminated against me for services….They allow foreigners to use they credit and service them…But me AMERICAN INDIAN!!!not BLACK AFRICAN AMERICAN or US CITIZEN…I am again AMERICAN INDIAN being denied services due to disability and identity theft Firestone received FRNS from me … And in private did god knows what with my information Sent a bogus letter …
Business response
08/21/2024
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
08/12/2024
Complaint Type:
Customer Service Issues
Status:
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.
Credit First National Bank is reporting a late payment to my credit. Which I have never been late with CFNA while i had them i am asking CFNA to please remove the negative payment history due it hurting my chances of getting approved for a mortage.
Business response
08/12/2024
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
08/12/2024
Complaint Type:
Billing Issues
Status:
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.
This account was never late. It was paid in full years ago. Recently it appeared on my TransUnion report as a negative item.
Business response
08/12/2024
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
08/08/2024
Complaint Type:
Billing Issues
Status:
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.
I have many complaints regarding this company. They are money hungry and aggressive! My sister passed away, I'm in school to be a doctor, and military. I forgot to pay one payment after making a year and a half on time and they dinged my credit so hard it dropped 162 points. They have refused to allow forgiveness for one payment. They have not updated my credit to reflect the payment I made either. I asked to write a forgiveness letter and was told no. My credit has went to hell literally! This company is by far the WORST AROUND!!!! They need to be put out of business
Business response
08/09/2024
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
08/06/2024
Complaint Type:
Billing Issues
Status:
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.
I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter and I have felt suicidal lately as a result so I demand this matter be resolved in a fair and equitable manner, which hasn’t been done. CRDT FIRST # ********* These account are related to a transaction and experience that falls under the EXCLUSION section of the FCRA’s definitions; rules of construction section. It was also reported without my written consent and therefore is a result of idwentity theft (as defined by the Federal Trade Commission), and the accounts SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least $1,000 per the civil liability section for willful non-compliance. Please DELETE this item from my consumer report! DELETE THESE ITEMS AND ISSUE ME A NEW, UPDATED COPY OF MY CONSUMER REPORT!
Business response
08/07/2024
Credit First National Association (CFNA) is in receipt of this communication, and we will be responding directly with *** ***** to resolve this matter.

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