CBNA shows up on your credit report – What should you do?

Submitted by roocky on Mon, 04/06/2009 - 23:11
Forums
Credit repair

CBNA (Credit Bureau of North America, LLC) is a collection agency headquartered in Tennessee, USA. Though it has an A rating from the BBB, it's not a BBB (Better Business Bureau) accredited business. The acronym (CBNA) may also stand for Citibank North America. Read on to know what you should do when you're contacted by Credit Bureau of North America or Citibank North America.

What should you do if it's an old debt you haven't paid off?

If the collection agency (CA) or the bank is contacting you about an old debt, you should first check whether or not the Statute of Limitations (SOL) on that debt has expired. If it has expired, then the creditor or the CA cannot file a lawsuit against you to collect the unpaid amount. However, the creditor or CA may still use other out-of-court means to collect on the debt.

Before you make any payments to CBNA, you should negotiate with them to settle your debts if your financial situation doesn't permit you to repay the outstanding balance in full. Whatever option you choose, it is advisable that you negotiate a "Pay for delete" agreement. This means that the creditor/collection agency will remove all information on this account from your credit report(s) once you settle or pay off the debt in full. If the CA or the creditor doesn't agree to one, then at least try and negotiate for a "Settled as agreed" status on your credit report.

What if you've paid off the debt but it shows up on your report?

If you've paid off the debt but it's not reflected on your credit report as "Paid", then you should dispute it with Citibank North America or Credit Bureau of North America, LLC. You should send a dispute letter to the credit bureau asking them to correct the inaccurate listing. Or, you can contact the creditor or collection agency and ask them to co-ordinate with the bureaus on your behalf. The account should appear as "Paid" on your credit report.

What should you do if you don't owe the debt at all?

If you don't owe the debt and a collection agency is attempting to collect on it, then you should ask them to validate the debt. To do so, you should send a debt validation letter to the CA via fax or certified mail. However, if you're trying to deal with the creditor, then you must ask them to verify your account.

Sometimes you may find a listing on your credit report from a creditor when you don't have an account with them. In this situation, you need to dispute the account with the CA/creditor or the credit bureaus to get the incorrect item deleted from your credit reports.

How can you contact Credit Bureau of North America, LLC?

Credit Bureau of North America's contact information is:

Credit Bureau of North America, LLC
200 Creekside Dr.
Dickson, TN 37055

Phone No. - (615) 446-7128

Fax: (615) 446-2111

Karengomez (not verified)

I have an inquire from "CBNA NATIONAL CREDIT CARDS/AIRLINE" and have no idea was this is as I never requested credit , apply it authorized anybody to run my credit. What is this and what can I do about it ?

Mon, 11/18/2013 - 02:04 Permalink
SHIRLEY REYNOLDS (not verified)

HOW DO i DISPUTE A THD/CBNA FOR 500.00 AND A CITI CREDIT CARD i THINK IT IS FOR 1000.00 THAT i DID NOT APPLY FOR AND IS ON MY CREDIT REPORT IN DEROGATORY. ALSO i JUST GOT A LETTER FROM hOME dEPOT SAYING THEY CANCELED MY CREDIT CARD. AND i HAVE NO CLUE WHY.WHAT IS GOING ON WITH MY CREDIT?

Fri, 11/29/2013 - 01:42 Permalink
Thomas McCain (not verified)

I am a victim of identity theft and CBNA showed up on my credit report. I do not know what this is about and I am trying to resolve it

Tue, 12/03/2013 - 21:25 Permalink
Enma (not verified)

BBY/CBNA appears on my credit report and i have no idea what it is

Sun, 12/08/2013 - 19:15 Permalink
RACHEL SALVO (not verified)

HELLO,

I received a copy of my credit report and Im unsure why CBNA shows up

Tue, 12/24/2013 - 22:12 Permalink
maria chacon (not verified)

I had an alert in my credit report that citi cards cbna ask for my credit report, we did not apply to any credit card or loan, my email is mariamanolo@bellsouth.net please respond thanks.

Thu, 12/26/2013 - 16:40 Permalink
Michael Galasso (not verified)

I have something on my credit report that shows a debt of $1,800 from BBY/CBNA. Who is this?

Fri, 01/03/2014 - 15:19 Permalink
jose contreras (not verified)

I'm trying to contact this CBNA. and the number is disconnected
What can I do to get information ??. I really need to fix this.

Fri, 01/03/2014 - 21:24 Permalink
Shirley Becker (not verified)

Dear Carol.
I have Citi THD/CBNA listed on my credit report, but, it says I have a $9,000 credit limit, $0 Balance, and a 0% utilization. I don't have any credit cards. What does all that mean?? In the body it says it's a credit card and that I have never used it. But then I read what was written on this page and it makes me wonder what this is all bout. Any answers would be very helpful.
Thank you,
Shirley

Sun, 01/05/2014 - 05:44 Permalink
Deryck (not verified)

This showed up Sept of last year and I cant reacall anything about it, but it has no debt. Its for a credit card that has 0 balance so it hasn't even been touched....

Mon, 01/06/2014 - 01:15 Permalink
Luck2172

Hi i have 80000 debit in aus. 8 month to i havnt pay any instalments. Now i want to come back in aus. My question is immigrations stop me at airpot when i enter in aus?

Wed, 01/08/2014 - 05:52 Permalink
Robert Brennan (not verified)

This appears on my new creditkarma.com account. It might be Brooks Brothers, but how do I find out. No contact info.

Wed, 01/08/2014 - 15:05 Permalink
vivianaxch (not verified)

Carol,

If i have an old credit card in my credit report that says:
"01/2013=R5,12/2012=R5, 11/2012=R5
CHARGED OFF ACCT ACCT TRANSFERED OR SOLD"

what does that means and can i have that account being taken off from my credit report?

Wed, 01/08/2014 - 21:02 Permalink
Ella (not verified)

I received an alert from credit karma on BBY/CBNA I don't know what company this is. Can you help

Fri, 01/10/2014 - 07:06 Permalink
Michelle Farley (not verified)

I seen on my credit report where you was on my credit report showing a credit card balance that I never knew I had and don't even know the name of credit card.

Tue, 01/14/2014 - 16:05 Permalink
Sandra Ritter (not verified)

I don't know how old your post is on CBNA but they did an inquiry on my credit on 12/2/13, yet the number you have below (615-446-7128) and the number Transunion has for them (302-286-8057) are no good. I have extremely good credit and the only thing I owe is my LOC, which I pay $200+/mo when they're only asking for $100/mo. How do I contact them and see what their problem is?

Mon, 01/20/2014 - 19:35 Permalink
Lannie Biallas-Krein (not verified)

Hello Carol,
I am inquiring about a $144.00 amount on my credit report. Its dated January 2012. I have no idea what this is. Do you have any way to help me out? My # is 701-214-1959

Fri, 01/24/2014 - 22:10 Permalink
Shandell Velez (not verified)

Today, 1/29/14, I pulled my credit report and found a negative account that has been charged off by the lender. However, I am unaware of any account I have defaulted on. Can you please tell me who the lender is?

Wed, 01/29/2014 - 17:58 Permalink
Larry Gutai Jr (not verified)

My credit report shows BBY/CBNA and i have over a thousand dollar balance with them. I do not have ANY credit cards what so ever so this must be wrong. Can you help me or at least point me in the right direction of someone who can?

Sat, 02/01/2014 - 21:21 Permalink
laurie Laporte (not verified)

I don't have a citi bank card . how do I remove this from my credit record?

Wed, 02/05/2014 - 21:07 Permalink
Kelly C Freeman (not verified)

WHAT IS THIS ?? On my Transunion Report - with nothing owed, nothing EVER spent on it , and it says I have a $1000.00 Cred. Limit. How, then COULD my Credit Report say it is rated a "D" ??

Mon, 02/10/2014 - 17:03 Permalink
Kirsten Rico (not verified)

Why is this payment still on my credit history? I Payed this bill last February. I will contact my bank and send you the payment history.

Tue, 02/11/2014 - 03:06 Permalink
Rebecca S. Robinson (not verified)

I have no idea why CBNA showed up on a credit report for us. Can you please explain?

Thu, 02/13/2014 - 19:12 Permalink
guillermo elizondo (not verified)

i would like to pay on this old debit acct # 5256500309287109 how can i get a hold of them

Sun, 02/16/2014 - 20:26 Permalink
Ramon Rosales (not verified)

You are showing up on my report as CRDN/CBNA Limit is $7000 and bal of $6737. I do not know what this is

Mon, 02/24/2014 - 16:37 Permalink
cynthia68 (not verified)

I have been in prison for the past 23 years now someone is saying i owe them
I paid my debt to society as a non violent third striker what should I do

Tue, 02/25/2014 - 10:22 Permalink
Rosemary (not verified)

I just obtained my first 2014 from Experian. Saw that CBNA P.O. Box 6241, Sioux Falls, SD 57117 had requested my credit history 8/19/13. Should I be concerned about this? I do not have any correspondence from them, nor any collections I am aware of. Is this something I should pursue? Could this be a mistake, or someone else's inquiry that is on my credit report. It will remain on my credit report until Sept, 2015.

Tue, 03/04/2014 - 02:37 Permalink
Elizabeth Weaver (not verified)

I am checking my credit report, and CHLD/CBNA is showing up as opened on July 4, 2013, and that I have a balance of $29. I am not sure what this balance is from. Can you please inform me of this? Thank you.

Sun, 03/09/2014 - 18:45 Permalink
Philippe Gallay (not verified)

Somebody did a credit report inquiry on me the 11/18/13 and I would like to find who!

Wed, 03/12/2014 - 20:54 Permalink
Kawal Singh (not verified)

This subject appears on my credit report. Cannot remember anything about this account. Says it was open on September 19, 2007 with a reported balance of $109 which was reported on February 06/2014.

Called Citi bank today and was told no record on file.
What should I do.
Thank you very much in advance.
Kawal

Sat, 03/15/2014 - 15:29 Permalink
judith (not verified)

Hi I have some debt reporting more than once with same account number on my credit report should I worried? How that affect me?

Sat, 03/22/2014 - 05:04 Permalink
Diane Roche (not verified)

I don't have this credit card. I don't have a balance. Can you take this off my credit report. this is hurting my cred score. it on my credit report. CBNA-sears

Sun, 03/23/2014 - 05:10 Permalink
Joseph Milot (not verified)

Hello Carol, I have paid off the account and asked to discontinue credit card at that time. Now I have a $7.00 charge that is causing my credit report to go down. What can I do to get them to discontinue this account with them and get my credit back up again..?
Thank you , Joseph Milot bm27t4fun@gmail.com

Mon, 04/07/2014 - 16:21 Permalink
mustansarny@gm… (not verified)

I am applying for loan for investment property but I see unknown inquiry, what do I do ?

Thu, 04/10/2014 - 14:54 Permalink
Lisa Eitniear (not verified)

I show an open account from 2006 with a credit limit but no balance due for TRAC/CBNA. I cannot recall any open account. How would I go about closing or cancelling this account with no further information?

Tue, 04/22/2014 - 20:02 Permalink
George/Carol Smith (not verified)

What is doing on my credit report

Wed, 04/23/2014 - 20:14 Permalink
Lou Boudreaux (not verified)

I have been divorced from Simon Boudreaux since 1996...and I am still being shown as being a joint acct, on my credit file. Need to remove my name.
For Shell/Citibank gas card....

Thu, 04/24/2014 - 14:47 Permalink
Andrew Faden (not verified)

My credit report shows a charge off of $510.00 to THD/CBNA. I do not own this debt. Please contact me as soon as possible to clear this up as it has dropped my credit score by over 150 points!
Andrew Faden
508 846 6700

Fri, 04/25/2014 - 13:56 Permalink
Andrew Faden (not verified)

My credit report shows a charge off of $510.00 to THD/CBNA. I do not own this debt. Please contact me as soon as possible to clear this up as it has dropped my credit score by over 150 points!
Andrew Faden
508 846 6700

Fri, 04/25/2014 - 14:00 Permalink
ulyferal (not verified)

There are two unasked for inquiries on my husband's credit report. This has lowered his FICO score. Are we able to demand why they are there and ask for removal? Thanks.

Mon, 04/28/2014 - 17:41 Permalink
aubrey.dunn (not verified)

I checked my credit report and $644.00 from Citibank na is showing up. I would like to know what this is all about and how do I get this off my report? This is having a negative effect on my credit.

Fri, 05/02/2014 - 14:30 Permalink
Susie (not verified)

Hi Carol,
If my CBNA account has been "charged off", is there any way to remove it from my credit report? I called and was told, no, theres nothing I can do.

So, do I just have to live with this bad mark on my credit?

Thanks,
Susie

Tue, 05/06/2014 - 21:23 Permalink
Patricia Schofield (not verified)

Carol,this showed up on my credit report and I have no idea who or what it is. I never seen this before or have a credit card for $58.
Could you please help me figure this out,and the name of the place or store where it belongs.? Thank You So Much, Sincerely, P Schofield

Tue, 05/06/2014 - 22:25 Permalink
K Brumleve (not verified)

CBNA shows up as a credit inquiry. under Equifax and Experian on the same date 02-11-2014. I have no address or phone number. I am not aware of any outstanding accounts. This report does not say that I have a debt just they did an inquiry. Do I need to be concerned and can I find out why they did an inquiry???

Wed, 05/07/2014 - 16:56 Permalink