Wrong.
If you are in the army, you can have faith in your commander. But, if you do not do as he commands, you get your butt kicked.
Faith + 0 -= Court martial
Likewise, you can have faith in Jesus. But, again, if you do not do as He commands, there is no salvation awaiting you.
Faith + 0 = (I don't know! But, it's certainly not salvation).
Here you go ... I hope this is the article you're looking for ...
https://archive.ph/YlCSf