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

john weaver land III (not verified)

This is "NOT" my account. How do I get it off of my credit report "BEFORE" I contact one of my attorneys?

Sat, 05/30/2015 - 16:20 Permalink
Donald D. Williams (not verified)

i applied for a mortage Loan. CBNA on 03/06/2015 is in question. I do not know what this is. Can you please help me? If there is a problem I will call LifeLock, of which I subscribe. Thank You.

Sat, 05/30/2015 - 16:56 Permalink
Wanda Hudson (not verified)

I see I have some accounts that I guess are written off by CBNA. Could you help me with this. You can call me at 251-769-5754 if you need to.

Tue, 06/02/2015 - 15:15 Permalink
Patricia Gulager (not verified)

Baileys Bank/CBNA has showed up on my Experian credit report. I have NEVER heard of this and have never had a debt owed to them. How do I find these people . My search engine is not helping.

Tue, 06/02/2015 - 21:05 Permalink
Polly Donnelly (not verified)

I went to get a loan and the loan officer told me that CBNA was on my report. I never had a Home Depot card but my husband did. I called Citibank they have no record of me ever having an account. What do I do now to get this off my credit report? Please help me.

Fri, 06/05/2015 - 10:42 Permalink
Nancy J. Niverth (not verified)

I would like to know what I have to do to close out this account. I do not use this card any longer.

Thank you.

Fri, 06/05/2015 - 15:55 Permalink
Chris Igne (not verified)

How do you find out if the SOL has expired?

Sun, 06/07/2015 - 01:11 Permalink
Patty Ploegman (not verified)

Carol, this phone number listed is no longer in services. I need to get this CBNA off my credit report. Do you have a new phone number for them?

Thu, 06/11/2015 - 17:00 Permalink
Thomas Benson (not verified)

Noticed on my credit report that I have one late payment with THD/CBNA. I would appreciate knowing what it is for and when this so called payment was late. Have never received any paperwork from you and would like to get this matter cleared up. Thank you for assistance.
Thomas Benson

Thu, 06/11/2015 - 19:25 Permalink
Sharon Kousaleos (not verified)

I have been asked to explain the later payments showing up January-March 2013 as reported by CBNA. Can you please tell me what these late payments were for? I have no idea.

Sharon Kousaleos (7-16-1943, XXX-XX-5478)

Wed, 06/17/2015 - 17:27 Permalink
Blynthia Johnson (not verified)

cbna shows on my credit report, no good number for customer service

Thu, 06/18/2015 - 20:47 Permalink
Elaine (not verified)

Hi Carol
I am trying to help my son and daughter-in law purchase a house. The lender calls today and says that there were some things on my credit report that's collection something? Not sure what she was saying. I know I had some problems about 5-6 years ago but thought everything was paid in full. The lender stated I needed to contact these people and get letters that it was paid but where do I start. This is all french to me. I don't know where even to begin and I don't have any credit information to any of these places. Could you tell me where to start?

Thu, 06/18/2015 - 20:59 Permalink
jose sandoval (not verified)

i see a cbna account on my credit and i wanto to pay it off, what is the overnight payoff address where i can send a check?

Tue, 06/23/2015 - 18:02 Permalink
nicholas (nick) (not verified)

Hi,
For 5 months in 2009, aug,sept,oct,nov,dec. I was delinquent on my account. I paid off the account and since its been 7 years i was told recently i could ask for this to be removed. is that true? it shows my balance paid, but the five months are still showing.

thank you
nick noto 611-36-4708

Wed, 07/01/2015 - 19:52 Permalink
Leaworth L. an… (not verified)

What is this "Late Payment" of $450.00 for? It shows up on my credit report as a Derogatory Account. Please tell me who this was with, a credit card, or something else? I am unaware of any late payments to anyone. Thank you.

Thu, 07/02/2015 - 22:27 Permalink
Aender (not verified)

I have bby/cbna shown on my report and I am trying to solve this,if I remember correct I don't recal having this debt

Sun, 07/05/2015 - 16:46 Permalink
Betty D. Andrews (not verified)

Where did the amount of $7,963.00 originate from. This is shown on my credit report as CBNA and the dollar amount owed is $7,963. Please advise me at 256 442-4673 or email: abandrew@bellsouth.net
Please validate this charge.

If you have any questions regarding the above, please contact me.

Sincerely,

Betty D. Andrews

Tue, 07/07/2015 - 15:20 Permalink
Lawrence Warren (not verified)

I'm trying to get credit but I have this credit card w/ CBNA w/c I never heard of, which was opened by someone a year ago. What can I do to get this card off my credit report? The number you posted for Credit Bureau of North America is not a working number anymore. I have to report this or put my name on fraud watch if this card will not be taken off my credit report.

Sat, 07/11/2015 - 19:35 Permalink
JACK KIRWAN (not verified)

Carol,

My credit score has been over 800 "Excellent" for years. All of a sudden I got an email from Barclaycard.com that my credit score had dropped to below 800. I went to creditKarma.com and found that CBNA was on it. As far as I know, neither my wife or I have applied for credit and no overdue payments. How can I find out how and why CBNA is showing up on my credit report and if this is what cause my credit score to drop all of a sudden? Thanks, Jack Kirwan email addres is jk___247@hotmail.com

Mon, 07/13/2015 - 03:02 Permalink
john gardynski (not verified)

there is a credit debt on my report for $1600.00 that I have NO idea what it is....How do I find out ?????....It's says CBNA...and there is 928.00 still owed ????

Wed, 07/15/2015 - 18:35 Permalink
PETE KOSMOS (not verified)

YOU'RE ON MY CREDIT REPORT FROM 2/1998 THEN YOU PUT IT BACK ON IN 11/2009 IN THE AMOUNT OF $399.00
CAN YOU PLEASE EXPLAIN.

Thu, 07/16/2015 - 20:28 Permalink
dennis r. chapman (not verified)

Who is CBNA and why does this show up on my credit report

Mon, 07/20/2015 - 18:47 Permalink
Margaret T Lawrence (not verified)

I do not what CBNA is for and it is show up on my credit report

Fri, 07/24/2015 - 20:05 Permalink
sky (not verified)

CBNA did a hard credit check on me, any one know who they are?

Wed, 07/29/2015 - 20:37 Permalink
Susanne Jorgenson (not verified)

I have no past due debts. An inquiry was done on me on Jan13, 2015 and again on May 13, 2015. I am a victim of identity theft that occurred in May with Comenity Bank Visa Card. I am in contact with them and have filed a fraud alert with the credit bureaus and with the Federal Trade Commission. If you wish to contact me my phone number is 612-516-7669. My e-mail address is jorgensonsue@yahoo.com. I have never been to Florida or applied for any credit cards through Comenity Bank. I have no outstanding or past due debts.

Thu, 07/30/2015 - 15:01 Permalink
sayed hashimi (not verified)

on my credit report it shows that I owe approx. around 40.00
but i haven't got a statement and I don't have an address to send
make the payment what should I do?

Thu, 07/30/2015 - 20:21 Permalink
Sarah Feiertag (not verified)

I learned that someone has opened an account or requested credit in my name. Please tell me if this is so.
Sarah Feiertag

Fri, 07/31/2015 - 18:03 Permalink
Sarah Feiertag (not verified)

Has a credit account been opened in my name?

Fri, 07/31/2015 - 18:05 Permalink
Jean Hunter (not verified)

I just refinanced my home and the new Bank sent me 2 checks to pay off CBNA and another for Citi=They said because they could not find enough information to send it themselves. I want to talk to them and try to negotiate payment and I don't know how? Can you help.

Fri, 07/31/2015 - 19:38 Permalink
Dale Thibodeaux (not verified)

who are you and why are you on my credit report

Fri, 07/31/2015 - 20:45 Permalink
George matteson (not verified)

Mid state collection company ,sent me a bill for a medical bill and I called the billing department for this medical bill ,they told me o didn't owe anything. How do I get this off my credit report

Sat, 08/01/2015 - 23:32 Permalink
ila thompson (not verified)

Their contact info is disconnected but still remains on mycredit report. what do I do to reach them?

Mon, 08/03/2015 - 23:38 Permalink
Marsha Bishop (not verified)

Hi, my husband and I are applying for a loan to get a house. I don't know what the bill @ CNBA for $316.00 is for. Can you advise me what this bill is for?

Tue, 08/04/2015 - 14:31 Permalink
Marsha Bishoo (not verified)

I have a bill on my credit report for &316.00 from CBNA. I would like to know what & who this bill is for? Company name, month, day & year please. Thank you!!!

Tue, 08/04/2015 - 14:35 Permalink
Lisa Elseroad (not verified)

I send this out on my brother behalf his name is Thomas Hoffman Jr.
he is Deaf if you have a TTY number he can try to call or you can speak to me the showing on his credit report show a report was run 5/30/2015

Wed, 08/05/2015 - 19:30 Permalink
robert phillips (not verified)

I have $399.00 on my credit report that is not mine! Can you tell me about this .

Wed, 08/12/2015 - 13:53 Permalink
C. Sullivan (not verified)

A CBNA account shows up on my credit report with a balance of $185. The account is marked paid even though there is an outstanding balance. I have never heard of CBNA nor do I have a CBNA credit card. I only have an AMEX card when I use a credit card at all. I do not owe anything on any credit card. There is a partial account number shown and there is a $1000 limit on the account. What can I do to have this account removed from my credit report?

Wed, 08/12/2015 - 17:25 Permalink
Jim Davis (not verified)

Hello Carol.....I have CBNA in my credit report and do not know who they are or what this means....I tried the phone # you listed and they have been disconnected...HELP

Wed, 08/12/2015 - 21:12 Permalink
David neuenfeldt (not verified)

I do not owe no. 6035320433907845. Or no. 50499414964. If I did I would have known it, never owed this money , somehow it ended up on My credit report and I want it removed! Thank you

Sun, 08/16/2015 - 00:31 Permalink
Frank Fiene (not verified)

I have 2 accounts open on my credit report with CBNA with no balance. I would like them removed from my credit report. Please respond via e-mail to ffiene6@sbcglobal.net or call me at 904-721-2288 or 904-671-5208. I don't have the account #'s in their entirety. Thanks

Sun, 08/16/2015 - 10:37 Permalink
Frank Fiene (not verified)

I have 2 accounts open on my credit report with CBNA with no balance. I would like them removed from my credit report. Please respond via e-mail to ffiene6@sbcglobal.net or call me at 904-721-2288 or 904-671-5208. I don't have the account #'s in their entirety. Thanks

Sun, 08/16/2015 - 10:37 Permalink
karen peri (not verified)

CBNA shows up on my credit report. Never received anything nor do I know what this is about. Can you assist. Last SS: 3995. If I owe money gladly repay.

Sun, 08/16/2015 - 15:34 Permalink