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Business Profile

Credit Cards and Plans

Credit First National Association

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Credit Cards and Plans.

This business has 1 alert

Complaints

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

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Credit First National Association has 7 locations, listed below.

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    Customer Complaints Summary

    • 566 total complaints in the last 3 years.
    • 203 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.

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    Complaint status

    Complaint type

    • Initial Complaint

      Date:08/01/2025

      Type:Billing Issues
      Status:
      Resolved
      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 was told by customer service on 6/20/25 that I could use my CFNA credit card at a ******* **** location and use my unexpired rewards. When my statement did not reflect the use of my $70 rewards, customer service relayed I did not use an authorized ********* store. After customer service listened to the conversation on 6/20/25, it was determined that it was a training issue on CFNA’s side, but I could no longer use my rewards because they had expired. I realize my rewards expired on 7/15/25 (I believe but I can no longer see that information) but I would still like a statement credit for my oil change from 6/20. It was noted on a recorded line that it was CFNA's fault that I lost my rewards, but only a supervisor could credit me. I have been passed around customer service since 7/17/25 with promises that a supervisor would call me back. Each time I called, I was told I would receive a call within 24-72 which never happened. I documented dates of my calls and who I spoke with but nothing seems to matter. I am filing this on 8/1/25.

      Business Response

      Date: 08/04/2025

      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: 08/04/2025

      [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 provided by the business regarding complaint ID ********, and I find the resolution is satisfactory. 



      Regards,



      ***** *****




    • Initial Complaint

      Date:07/24/2025

      Type:Billing Issues
      Status:
      Answered
      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 submitting this complaint to urge CFNA to implement a basic consumer protection feature: automatic minimum payment scheduling.

      In March, I was charged a $30 late fee after missing a payment. I contacted CFNA immediately, explained that I have documented medical conditions that affect memory, and asked how to prevent this from happening again. I was advised to pre-schedule payments and told that as long as I didn’t use the card and continued making those scheduled payments, I’d stay current and avoid future late fees.

      I followed that guidance and it was working fine until this month (July). This month the minimum payment amount increased unexpectedly—even though I hadn’t used the card—causing one of my pre-scheduled payments to be $3 short. This triggered a $41 late fee. While that fee was ultimately reversed, this situation was entirely avoidable.

      CFNA does not allow customers to set up automatic payments for at least the minimum amount due—a basic feature that nearly every other credit card issuer offers. Their refusal to provide this industry-standard tool, combined with their practice of charging the maximum allowable late fee, comes across as predatory. It places vulnerable customers—especially those with medical or cognitive conditions—at greater risk of penalty fees for small, unintended oversights.

      I am requesting that CFNA:

      Implement an automatic minimum payment system immediately.

      Reevaluate their late fee structure and policies to align with current industry standards and proposed **** guidance.

      Their current system is outdated and unnecessarily punitive, and I believe it does not reflect fair or responsible lending practices.

      Business Response

      Date: 07/25/2025

      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:07/22/2025

      Type:Customer Service Issues
      Status:
      Answered
      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.
      7/22/2025 I called to have a late fee on my account Waived. The representative told me that it is not in their company policy to waive any late fees. I asked if she can provide this policy in writing she said no. I told her that every other credit card I have ever had has always honored at least (1) removal of a late fee per year. She had no response just stated again that the companys policy is that they do not offer this.

      I am requesting a copy of this policy that states they do not offer their customers a service of waiving a late fee.

      thank you

      Business Response

      Date: 07/24/2025

      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:
      Resolved
      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 have been doing business with FIRESTONE AUTO CARE locally for many years and have been using their credit card to charge my car care work.
      Recently Firestone credit was bought by  and things have not been the same since this change.
      Currently I am still getting car care work done at the south Firestone car care place & charged over $600 for that work.

      For several months now, I have been charging the car work & they charge the work that they do... but they will not provide the credit card number to me.
      For some reason, I do not have a credit card in my possession nor do I know my credit card number. When I call CFNA in an effort to be issued a replacement credit card, they say they will mail me one IN 14 DAYS.

      I have yet to receive this card which they say has been sent to me. Today, when I called AGAIN for a credit card, they tell me one was sent.

      WHAT DO I DO?

      I am being charged $3.99 per month each time a paper statement is mailed to me. I want to go paperless - BUT AM UNABLE TO DO SO - they require the credit card number in order to make this change.

      So, is this was is called CATCH 22? Sure seems that way to me!
      Any suggestions???

      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: 07/15/2025

      [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 provided by the business regarding complaint ID ********, and I find the response normal and will await further responses. All I need is my replacement credit card.

      I find this issue to be quickly resolved - it will be resolved when I receive a replacement credit card.

      It is very disturbing for me to keep receiving monthly statements BT the credit card, which I am told is being sent to me - never arrives. If a  monthly statement can get to me... why not the credit cards???

      What has happened to all the credit cards which, I am told, have been sent to me - BUT never received.



      ********

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




    • Initial Complaint

      Date:07/14/2025

      Type:Billing Issues
      Status:
      Unresolved
      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:07/02/2025

      Type:Product Issues
      Status:
      Unresolved
      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:
      Answered
      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:
      Answered
      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:
      Unresolved
      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.

    • Initial Complaint

      Date:06/25/2025

      Type:Billing Issues
      Status:
      Unresolved
      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.
      4/11/25 tire purchase $836.99 - 5/22/25 payment $136.99 = balance $700 - 5/27/25 interest charged $36.28 is not calculated correctly.
      My next bill due 6/22/25 shows "Interest Charge Calculation" Annual Percentage Rate APR 33.99%
      Balance Subject to Interest Rate $1,283.34 (my balance was never that high) Interest Charge $36.28
      S/B $700 x .3399 = $237.93 div by 12 months = $19.83 (I was overcharged $16.45)
      I called customer service and went around and around trying to explain my side of the story, with no results.
      How many other people are they overcharging?

      Business Response

      Date: 06/26/2025

      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: 06/26/2025

      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.


      I already called customer service, and they could not resolve the issue. It shouldn't take 30 days to review this minor issue. My balance was NEVER $1,283.34.

      INTEREST CHARGE CALCULATION
      Your Annual Percentage Rate(s) (APR) is/are the annual interest rate(s) on your account. Please see Page 2 for Important Information.
      BALANCE TYPE - Revolving
      ANNUAL PERCENTAGE
      RATE (APR) - 33.990%
      BALANCE SUBJECT TO INTEREST
      RATE - $1,283.34
      INTEREST
      CHARGE -  $36.28



      Regards,




       

      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.

    Credit First National Association is NOT a BBB Accredited Business.

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