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

William W Huss (not verified)

how do I check on any debts I may have?

Tue, 08/18/2015 - 14:44 Permalink
Dottie Gibson (not verified)

How do I cancel my account with you, I am trying to refinance my house.
Call 678-429-9332 with information.
Thank you
Dorothy Gibson

Fri, 08/21/2015 - 15:37 Permalink
Carlos Quezada (not verified)

I have a CBNA charge, but i dont know why its there if ive never use that account. I dont know why it shows up.

Sun, 08/23/2015 - 00:51 Permalink
Hilda San (not verified)

A CBNA hard pull appears on my credit score. How do I get Citibank to remove it from my credit report ?

Mon, 08/24/2015 - 05:21 Permalink
Allyson Templeton (not verified)

CNBC appears on my credit report with a $62 balance. I do not know what CNBC is. I called CITI and they have no record of me. Please give me a working phone number--the one on your website (615.446.7128) is no longer in service.
Thank you,
Allyson
atemplet@fhcrc.org
206-349-4982

Mon, 08/24/2015 - 20:36 Permalink
Shelley J Carlson (not verified)

I went to my bank this morning to up my credit limit on a account. They told me my credit score had dropped 200 points? On the report was a CBNA credit card opened in March of 2015 with a $4000.00 limit. It was closed due to lack of payment. This is Not my credit card and I did Not open an account with CBNA. How do I get this fixed?

Tue, 08/25/2015 - 20:35 Permalink
John Rademacher (not verified)

THD/CBNA
Industry type:
Address: PO Box 6497Sioux Falls, SD 571176497
Phone number:
This showed up on my credit Equifax report inquire. I did not request this... What can I do?

Thu, 08/27/2015 - 18:27 Permalink
Nancy newell (not verified)

Cbna has shown up on my credit report for $1361 and I have no idea what it is for. The Account number is 603525112493. Can you please explain it to me. Thank you nancy my phone no is, 601 466 8081

Fri, 08/28/2015 - 23:29 Permalink
Cristiane V Justino (not verified)

I would like to get in contact to settle a debt to restore my credit. Please call me at 619 578 9909

Tue, 09/01/2015 - 00:00 Permalink
gilbertsao@gmail.com (not verified)

What should you do to clear with this CBNA? I have a SOL debt with is expired.

Tue, 09/01/2015 - 17:40 Permalink
becky conner (not verified)

Why is cbna showing up on my credit and when is it from?

Tue, 09/08/2015 - 17:50 Permalink
Dan Clover (not verified)

Why on my credit report does it state that I am using 188% of my available credit with Best Buy and is that hurting my credit score?
Thank you

Thu, 09/10/2015 - 19:07 Permalink
Pamela Milstead (not verified)

I have a BBY/CBNA showing on my Credit Karma credit report. I have NEVER had a Best Buy credit card or have filled out an application for one. PLEASE HELP ME!!! Thanks :-)

Fri, 09/11/2015 - 17:32 Permalink
chris.kumiski@… (not verified)

My credit report is showing an open account for a credit card which I do not own. It shows a payment made in December of 2014, which I did not make (as I do not have this card). Could you please tell me why this card is showing on my credit report?

Mon, 09/14/2015 - 06:59 Permalink
Marian Mapes (not verified)

The Credit Bureau of North America went out of business in 2010. AWA Collections acquired some of the clients and collection accounts at that time. ALL CBNA/Credit Bureau North America tradelines were deleted in 2010. Any accounts moved to AWA Collections report to the credit bureaus under 'AWA Collections'. ANY existing trade lines for CBNA represent Citibank North America. Please direct your consumers to the appropriate resources. As the Compliance Officer for AWA Collections, I receive many letters believing that we represent their CBNA creditor. I reply and redirect them to Citibank. Thank you for your time and assistance in this matter.

Mon, 09/14/2015 - 22:08 Permalink
Reverend Sandi… (not verified)

I am trying to declare bankruptcy as I no longer have income. CBNA is showing 2 bills totaling over $7,000!
I tried the phone number you provided but it is no longer in service.
There is no phone number or account number on the credit report and the preparer has no idea what the charges are.
Any ideas on how to get clarification?
I won't be able to put these debts in the bankruptcy if I don't know what they are.
Thank you!
Rev. Sandi

Wed, 09/16/2015 - 18:08 Permalink
hemang (not verified)

Phone No. - (615) 446-7128
I tried call.Phone is disconneted.
Do you have new Number.

Fri, 09/18/2015 - 17:21 Permalink
Wayne Dailey (not verified)

I'm showing an account that is open, but the payment status is paid from 2006. Do I need to have the account closed also? Is it a negative?

Fri, 09/18/2015 - 19:03 Permalink
Jean L Tucker (not verified)

I am reviewing my credit history and see two accounts on my report, each reflecting current status, with monthly payments. One has a balance of $306 (338884XXXX) and the other has a balance of $769 (2088XXXX). I am not sure who these payments are for, and how being maintained. Can you please inform me who the card issuer is? Or is it possible these are life insurance premiums for my AAA Life Ins?

Sun, 09/20/2015 - 18:10 Permalink
Robert lopez (not verified)

I have an old account which is 8 years old, I try many times for them to remove that I had disputed this information in the past with the collection agency cbna but I keep hitting the wall with them what should I do?

Wed, 09/23/2015 - 00:42 Permalink
Brenna (not verified)

Hello,
I got an alert on my transunion credit tracker that CBNA/ STPL in Gray Tenesse did a "hard pull" on my credit yesterday in what was called an "individual inquiry". I did not apply for any credit cards or lines of credit recently. I am concerned that someone has applied for a card in my name. How should I proceed?
Thank you!

Wed, 09/23/2015 - 15:22 Permalink
Joseph White (not verified)

I was advised of an account showing me owing a little over $500.00 and have no idea what or where it came from. How do I get this taken care of on my credit report?

Wed, 09/23/2015 - 15:53 Permalink
Quincy Bundage (not verified)

Could a representative call me please trying to clear a debt i owe.
Quincy Bundage
415 748 -1229

Thu, 09/24/2015 - 21:48 Permalink
Deanna Bibelheimer (not verified)

I have a Discover Credit report on CBNA . It said I have a balance 1,355 and I'm past due 113. Can't figure it out what this about.

Tue, 09/29/2015 - 15:00 Permalink
Chelsea Cash (not verified)

Hi, my name is Chelsea Horne and I noticed that I have a delinquent account from Citibank (CBNA) and I never had a credit card from that bank ever. I need it to be erased off my credit report immediately. I really don't know what information I need to give you guys being that I never had this account.

Wed, 09/30/2015 - 02:40 Permalink
rick atchison (not verified)

a credit card, opened in april, 2015, showed up on my credit report but I don't know what it's for. I have the number with the exception of the last four digits. If I give you the numbers I have, can you just tell me who the retailer is?

Wed, 09/30/2015 - 17:52 Permalink
Orlando Ortiz, Sr. (not verified)

What is the Statue of Limitations??? An how do I know if I'm eligible?

Fri, 10/02/2015 - 14:52 Permalink
Vincent ciaramitaro (not verified)

On my credit report there is a CBNA (EFX-485FP00552) with category "charge account" from 04-15 is there anything that I should be concerned about? (showing -0- balance) but listed as current w/ 8000 limit

Tue, 10/06/2015 - 22:04 Permalink
kevin t williams (not verified)

Carol, I have received a credit report on 10-2 201- and my score feel from 805 to a 653.

it shows on a acct 6050c50482 DFD/DLA 01/13

shoed opened in 3-89?

I do not know what this is, It also shows closed or paid,

This is showing up on EQIFAX.

Can you please explain

Thank you

Thu, 10/08/2015 - 16:02 Permalink
Sheila Coban (not verified)

Why is CBNA on my credit report. I don't know who I would have owned me net to also 2 Credit Bureaus have one acct number and the other has a different acct numer

Sat, 10/10/2015 - 14:03 Permalink
Daniel J Finch (not verified)

Sears account. Only four ending numbers of the account show on my credit report 6984. The amount owed is 39.00 dollars which I have been trying to pay but sears does not show this account any more. You have just reported it on my credit again.

Please let me know how I can pay this and resolve the credit issue it is causing.

Regards,

Daniel Finch (619) 966-9074

Fri, 10/16/2015 - 12:19 Permalink
Humberto (not verified)

HI MY NAME IS HUMBERTO BARRAGAN AND I SOMEHOE SHOW YOU GUYS CBNA ON MY REPORT BUT I DONT KNOW WHO YOU GUYS ARE AND SAYING I OWE $1092.00 I WOULD LIKE MORE INFORMATION MY NUMBER IS 626710-2628 PLEASE CONTACT ME I HAVE CALLED THE NUMBER 615 446-7128 BUT NOT WORKING NUMBER!!!

Fri, 10/16/2015 - 22:36 Permalink
Shirley Baylor (not verified)

I have a CBNA account on 1-of my credit ratings with a zero balance. How do I find out when this was paid off, so I know if it should not still appear on my rating?

Sun, 10/18/2015 - 22:28 Permalink
george yardley (not verified)

unknown charge off on my credit report..need to find out what it is

Tue, 10/20/2015 - 20:01 Permalink
George Yardley (not verified)

CBNA showed up on my credit report with a charged off acct. I have no knowledge of this. Please help me. Thank you. Tried calling your number and it has been disconnected

Wed, 10/21/2015 - 16:34 Permalink
Gayle (not verified)

Phone No. - (615) 446-7128 This number is no longer in service.

Wed, 10/21/2015 - 18:11 Permalink
Michael dehaydu (not verified)

Hello my name is Michael. I am sending you a letter today because my credit report shows that I have a closed account and which is CB na $600. The debt is through a Best Buy credit card that was falsely opened under my identity. I had called Best Buy on receiving a credit card from them around the beginning of the year and I was told by their fraud department that the account was closed and the debt was cleared and I did not have to make payments. But still I see it on my credit report. Can u please fix this

Mon, 10/26/2015 - 21:20 Permalink
carolbailey351 (not verified)

my credit report says I owe you all $89..00 I want o know why and for what?

Thu, 10/29/2015 - 19:46 Permalink
carolbailey351 (not verified)

my credit report says I owe you all $89..00 I want o know why and for what? I used to live in NC but when husband died last year I moved to SC and have not rec i3eved any messages from any bank or from you all. some of my mail has been lost or never received to my new address.

Thu, 10/29/2015 - 19:47 Permalink