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

Davares (not verified)

I recently sent out a dispute letter certified to GDYR/CNBA in regards to the hit on my credit report. I went online to track it to make sure they received it. It read that it will be returning to the sender because this company GDYR/CNBA has moved with no info on new location. What should i do in this case

Fri, 03/04/2016 - 04:14 Permalink
steelrose (not verified)

My fiance' was looking at his credit report through credit karma and CBNA shows up as a credit card with a balance of nearly $1,500. He only has 2 credit cards and this is not one of them. Does he need to send the debt validation letter the the above address for Credit Bureau of North America?

Sun, 03/06/2016 - 00:17 Permalink
Justo G. Rodriguez (not verified)

My Father and I have the same name. I have a middle name though. He applied for a credit card with Exxnmobil/ Citibank CBNA in 8/29/1979. Now, it appears that I owe the money in his credit card that my father stopped paying few months ago. This bank then took my social security number with his birthday and linked my father`s account number to collect the money. But, they are missing the point, because I came to this country as a resident alien on 9/04/1984 and applied for my SS# few weeks after. so, my SS# didn`t exist at the time when my father's account was opened. Transunion neither Expirion changed anything, arguing that Exxnmobil sent the right information for clarification. But this Bank said that, this account (my father's account) is mine. It is not my account however.
I have done a lot to clarify this mess, but have received no luck in receiving the help I need to fix it. What should I do?

Sun, 03/06/2016 - 21:32 Permalink
Jesse (not verified)

hello,

I have an open account with zero balance, titled CBNA; how do I get it closed?

Thu, 03/10/2016 - 19:23 Permalink
dpoulin (not verified)

I received a message that an account from a sears/China credit card was 30 days past due. I do not have a credit card from Sears. I did apply at Christmas time to save 30percent but I was declined. Any help on this matter effected my credit score.

Tue, 03/22/2016 - 10:15 Permalink
Quennie May Galarpe (not verified)

4269371001897597 This account number for CBNA appeared on my credit report while applying for a home loan. As far as I am concerned I am not aware of any credit I have with this company. Kindly explain and I want to dispute this debt because I have am not aware of it. I may have been a victim of ID theft. Thank you very much. Should you wish to reply back to this question my email is carballomay@gmail.com

Sun, 03/27/2016 - 02:22 Permalink
CARL FOUNTAIN (not verified)

I WANT TO KNOW WHY CBNA IS SHOWING UP ON MY CREDIT REPORT? WHO IS IT AND WHAT IS IT FOR?

Mon, 03/28/2016 - 14:08 Permalink
timothy murphy (not verified)

CBNA comes up on my credit report as an unpaid debt. why ? I never had this card

Mon, 03/28/2016 - 18:02 Permalink
Deborah

Shows up on my credit report (2 of them), don't know who or what it is. However, in the comment section it reads credit card and amount in H/C column is credit limit?
Can you help me?

Mon, 03/28/2016 - 22:11 Permalink
ivyturley (not verified)

attempting to refinance mortgage and there is some report from above on my credit report from 1993. need to clear this up before I preceed

Mon, 03/28/2016 - 22:32 Permalink
Harriet Hancock (not verified)

I just looked at my Credit Scores (very high over 810) But there was this one that is Open. I didn't know what it was. Then, another post said its HomeDepot. I dont use that card at all, since I sold my house. Is there a safe way to remove it, without hurting my credit?

Should I just let it sit there? Harriet harriethancock@hotmail.com

Wed, 03/30/2016 - 20:26 Permalink
Marianne (not verified)

I work at a mortgage company and have a client who says that the CBNA trade line on his credit report is invalid. How should I proceed?

Fri, 04/01/2016 - 19:53 Permalink
Robert Conley (not verified)

I do not know what this balance on my credit card is.

Fri, 04/01/2016 - 19:57 Permalink
cynthia.baeza@… (not verified)

Need info regarding this issue or acct. Under my name.Plez respond.thank you

Fri, 04/01/2016 - 23:27 Permalink
Linda HUmphrey (not verified)

There is a debt showing on my credit report that does not belong to me. O was told it is Sears with CBNA that is listed. *I need this removed ASAP! Please respond immediately; due to this is ruining my credit.

Thank you

Sat, 04/02/2016 - 00:07 Permalink
MARLANE. Elsarama (not verified)

I never applyed for a creadit childrens place sime one is using my name so what should i do

Sun, 04/03/2016 - 16:44 Permalink
Lisazag (not verified)

I saw this on my credit report and was wondering what this is ??? When I looked up the P O Box it gave me it said Staples. I do not go to staples for anything, nor have I used a credit card there for them to have my info.

Mon, 04/04/2016 - 21:58 Permalink
Ramona Ramos G… (not verified)

Hello: This is in regards of the CBNA thats is showing in our credit Bareu what do I to get it removed from are credit report please let me know :)

Tue, 04/05/2016 - 04:32 Permalink
JOELLA D BOLLAR (not verified)

I HAVE AN ACCOUNT LISTED ON MY EXPERIAN CREDIT REPORT:
CBNA
Account Number: 512107177800XXXX
Acct Type: Credit Card
Acct Status: Closed
Monthly Payment:
Date Open: 4/1/1974
Balance:
Terms: Revolving
High Balance: $21,044.00
Limit: $23,550.00
Past Due:
Payment Status: Legally paid in full for less than the full balance
Comments: Credit line closed-consumer request-reported by subscriber

APRIL 2014 THRU FEBRUARY 2016 SHOWS "OK". MARCH 2016 SHOWS "KD". ALL MY ACCOUNTS I CONSOLIDATED WITH FREEDOM DEBT RELIEF WERE SETTLED IN THE LAST 3 YEARS. I DON'T HAVE ANY OTHER ACCOUNTS THAT WERE FOR 2015 OR 2016 BUT THE MARCH 2016 SHOWS "KD" ON MY CREDIT REPORT FOR THE ABOVE CREDIT CARD. HOW CAN I GET THIS CORRECTED? I REFLECTS ON MY CREDIT SCORE.

Wed, 04/06/2016 - 16:03 Permalink
Carey Ludford (not verified)

I'm angered about my resent credit report.
CBNA has done damage to it. 40 points, really?
Why, when all I did was refi my house for 2.5 points less.
This is not all about me, but the way that people are treated.
At one time, this would have been really bad. Now I don't care for myself.
If you are responsible, you may have a class action suit coming at you.
Fix this for all.
Carey Ludford

Fri, 04/08/2016 - 05:29 Permalink
Nimo Diriye (not verified)

what is CBNA i have seen this in my credit record but i don't have any old debt,

Sat, 04/09/2016 - 01:23 Permalink
Nellie springman (not verified)

Hello it came to my knowledge that I owe $200. If that is true I would like to make that right and pay it .

Tue, 04/12/2016 - 13:47 Permalink
estiltow@yahoo.com (not verified)

I have recently applied for a DISCOVERY credit card. This request was denied due to "recent delinquency with another creditor" I called them on the phone and the only thing they could come up with was CBNA. They said it dates back to 1985. I can not find any debt to CBNA. Please help me to find this, so we can get it resolved.

Wed, 04/13/2016 - 17:38 Permalink
Samuel L Johnson (not verified)

I have an account with BRNDSRC/CBNA showing on my credit report. I am not sure what this is and would like some answers please.

Thu, 04/14/2016 - 20:10 Permalink
cherijohnson61… (not verified)

I need to know why I have an account with brndsrc/dbna showing on my credit report.

Thu, 04/14/2016 - 20:11 Permalink
Margo Blalock (not verified)

I have been a victim of Identity theft and an inquirey has shown up on my credit report as THD-CBNA, 11-20-2015 I wanted to make this known so I can protect my self. Can you handle this? If not, who should I inform?

Fri, 04/15/2016 - 15:01 Permalink
julie felty (not verified)

I have an alert on my credit from you. I don't know what this is for. Can you advise??? Who is the creditor? And as far as I know I don't have anything in collections.

Mon, 04/18/2016 - 15:03 Permalink
Kathleen A. Kelly (not verified)

Home Depot- I received a letter stating me to pay$215.00 so they can forgive my debt. I paid $215.00 by due date last February 2015. I also sent full payment for Sears on March 24 2015 to Portfolio Recovery. My lawyer has a copy of it on Sears payment. I have a copy of it for Home Depot. Please state Paid on my credit report. thank u.

Mon, 04/18/2016 - 16:54 Permalink
Veronica Kamakana (not verified)

I need more info on CBNA. My credit report shows that I have a balance of $32. I want to clear this debt if I need to pay the $32
please let me know. Please contact me below.
Thank you,
Verna Kamakana
email: vkamakan@hawaii.edu
phone: (808) 283-3203

Tue, 04/19/2016 - 21:15 Permalink
Mary Ann Schie… (not verified)

I received a notice from Discover Credit Alert that I am in arrears of $149.
I have no idea to whom this debt is owed as I always pay off credit cards when I receive the bill. The notice gives no phone number. I called CBNA's phone number (615-446-7128) but received a message that the phone # is no longer in service. Any help to understand what is going on would be much appreciated. Sincerely, Mary Ann Schieferstein

Mon, 04/25/2016 - 14:56 Permalink
James Smith (not verified)

This was transaction with Sears on Service contract on all our Sear's purchases. Why did I receive this?

Mon, 04/25/2016 - 15:57 Permalink
ivery moore (not verified)

who is cbna

Thu, 04/28/2016 - 21:21 Permalink
Belinda Lum (not verified)

Appeared on a Credit Report. I am trying to find out why it shows i owe 401.00 . To who?

Wed, 05/04/2016 - 00:49 Permalink
William T. Clark (not verified)

We found a CBNA on our credit report and are unaware of any previous debt we have not paid. Please advise.

Fri, 05/06/2016 - 19:56 Permalink
lynch (not verified)

cbna is appearing on my credit report as an open accountant. how can I contact them.

Mon, 05/09/2016 - 18:28 Permalink
Christan Heintz (not verified)

On my credit there is an amount from CBNA, What is this for?

Sat, 05/21/2016 - 23:44 Permalink
Claudia Calvert (not verified)

I never applied any credit through them and the phone number you guys have is discontinued. I want to know why they are on my credit and want them removed. I have always dealt with Les Schwab since 1976. And when I get tires I pay cash. I want to know who is fraudulently actsesing my info.with out my permission! ! Please HELP.

Wed, 05/25/2016 - 17:29 Permalink
Kathryn (not verified)

The number you list in your article about CBNA is no longer working.
Do you have a new number by chance?

Thu, 05/26/2016 - 16:46 Permalink
Marlene McVean (not verified)

I don`t even know who this is and I have never had a bad mark or late pay on my report. I am not happy about this as I am an 80 year old widow. Can you please help me.

Thanking you in advance.

Marlene McVean

Tue, 05/31/2016 - 04:48 Permalink
Gladys Nichols (not verified)

This account's appear in my credit report and I didn't recall open dose account's.

Please let me now who open them and what can I do too clear dose from my credit repot.

Sincerely
Gladys Nichols
818 631 8031

Tue, 05/31/2016 - 17:11 Permalink
Michael Flanigan (not verified)

Hi Carol, CBNA is listed on my credit report. Can you please help inform hat account this might be for?

Wed, 06/01/2016 - 14:12 Permalink
Charles Collins (not verified)

Just got notice of new tradeline of $4,392 dated 5/31/2016 on my Experian credit report. I have, no knowledge of this amount nor do I have a credit card with Citibank for that amount. Please remove.
Chuck
843-427-4176

Wed, 06/01/2016 - 21:29 Permalink
Robert dennison (not verified)

Please send me information to my home address 220 Royal Dr Kingsport TN concerning any account you have in my name. I got a copy and there is an account showing on my credit report.

Thu, 06/02/2016 - 12:29 Permalink
Georgia Rieger (not verified)

I am showing a Balance due of $15.00 to CBNA. I have no idea what this is regarding. Can you help?

Fri, 06/03/2016 - 20:56 Permalink