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
CBNA hard inquiry
A hard inquiry from CBNA was posted on my credit report 8/11/16. Should I contact CBNA or wait for them to send me something in the mail? Is Citibank North America and Credit Bureau North America the same company, different divisions?
what is CBNA
What is CBNA, I do not own any money to CBNA. Aliene Hancock
CBNA INQUIRY
WHY WOULD CBNA DO AN INQUIRY ON MY CREDIT REPORT? I DIDN'T REQUEST THIS INQUIRY.
Past due notice for card I don' have
Check credit report today dropped 75 points found it was late notice for a card I have no knowledge of. The card is NBNA guess what I can't find any to contact for them to discuss. Can you help.
HOME DEPOT OLD DEBT ON CREDIT REPORT
THIS IS SHOWING CLOSE. but its an old debt that my wife had with home depot. she is deceased and I tried to pay it on her behalf, but the company said they couldn't except payment. never heard anything again but I noticed it shows up as a closed account in my credit file.
CBNA
An oil company called CBNA is showing up on my credit report. I dont know who they are or why this is showing
Past due notice for card I don' have
Check credit report today dropped 75 points found it was late notice for a card I have no knowledge of. The card is NBNA guess what I can't find any to contact for them to discuss. Can you help.
CBNA past due
Checking my Experian credit score i found 72 point drop 7/3/2016- 823- to 8/6/2016 -751. further checking i found the drop was caused by a past due bill of 35.00 on a 92.00 balance on a CBNA account i didn't know i had, had not received a bill or any correspondence. When I did a web search to find information reguarding CBNA all I find is a mailing address no email or phone # indicating they wanted to making contact as difficult as possible. I have mailed corresponds to the address just hope
i receive response . Has this problem occurred before with this company. This came out of left field so fast it scares me.
CBNA
CBNA from 1969 has shown up on a recent credit report. I have no idea what it's about & when I tried to call Credit Bureau of North America the number is disconnected. What do I do from here?
Hard Inquiry
Yesterday I had a notification that CBNA did a hard inquiry of my credit. It came across as Nation Credit Cards/Airlines and this office is located in Sioux Falls, SD 57117.
I have been working very hard to establish my credit (from the low 400 4 years ago to my 669 today). I don't do credit cards and the only debts I have are our (husband and I's) home we just purchased in February 2016 and my car that will be paid off summer 2017.
The hard inquiry:
1) was this from someone wanting a cc
Or
2) from a debtor (I'm not aware of this debt/never showed up when my credit was pulled for VA loan)
Experion inquiry
My latest Experion credit report showed an inquiry from CBNA. The account number ending in 8789 was noted. I don't have a credit or debit card ending in 8789. Help!!
cbnaalertonscoresense
what does seeing cbna Sioux falls sd on my credit report mean
How do I check a charge to my account? It shows a charge on 1/17?
CBNA appears on my most recent credit report
Please review account number 7302197427011626. On the credit report, it looks like I have a balance owed is $172.00 and that I have scheduled payment of $27 per month but there has been no payment going back to 9/15.
I do not know anything about this account period. It must be fraudulent.
Please advise.
972-740-9980
levycurry1@att.net
Statute of limitation
how old do the statute of limitation go back??
POTENTIAL ISSUE ON MY CREDIT
HI, I WAS JUST NOTIFIED BY PROTECT MY ID THAT I HAVE A POTENTIAL ISSUE WITH CBNA...CAN YOU HELP ME UNDERSTAND THAT THIS IS
Fraud
Experian reported an inquiry on my credit report from CBNA. I haven't asked for one and have been a victim of fraud earlier this year. How do I go about checking on this matter. Thanks
Hard inquiry on credit report
Notice a hard inquiry on my credit report. I did not authorize any credit or credit information that particular date and time.However I do have a credit card with a affiliated company Citi Bank credit card, being that I all ready have a credit card for more that 2 yrs and with good standing why would they do a hard inquiry? and how've may go about I removing the inquiry?
CBNA on Credit Report
CBNA shows up on my credit report with a payment status of current and balance of 0. How can I find out what that is for?
CBNA BILL?
DO I OWE AN UNPAID BALANCE ON ANY ACCOUNT, IF SO HOW MUCH IS IT, MY ADDRESS IS PO BOX 432 RUSK,TEXAS 75785, PLEASE LET ME KNOW ASAP PLEASE
close account
I have an account listed on my credit report with a zero balance and I would like to close the account but do not know what it is related to.
Can you help?
cbna on credit report
what is this on my credit report
CBNA on my credit report
I'm confused, if there is a out standing dept, what are they doing a inquiry?
These guys are lowering my score with out a legitimate reason!
I just talked to Citibank and they said send them a copy of my credit report so they can investigate!
Ridiculous!
CBNA on my credit report
I opened up my credit report and it says I have a balance of$764 on my CBNA account. Could you please tell me what this is for ? My e-Mail address if you need it is dbryahne@yahoo.com
CBNA inquiry
I have an inquiry on my report for today. I'm not sure why because I haven't applied for anything or done anything to receive an inquiry.
Credit Report Activity Alert
We received an elert from Experian that there was an inquiry on our credcit report. We have NOT applied for a loan through CBNA Please confirm that this transaction has been rejected and there is no damage to our credit report.
P O Box 6000 Suiyx Fakks SD 561165000
We have alerted our ID Theft vendors to reject any activity with CBNA.
Please confirm our records are clear. 281.351.4002; norman_w@sbcglab al.net. or chloe walker04@yahoo.com. Your immedicate response would be appreciated.
unauthorized credit inquiry
I received notification that a credit inquiry was made on me 8-24-16 which I did not authorize. How can I stop these inquiries?
Credit inquiry
ID Protect sent me a message that CBNA inquired about my credit score , that I had applied for credit,
Neither I nor my wife have applied for anything .
Robert E Holder
accounts
i received a message on my cell phone today that possibly my master card had been hacked. i was unable to contact the number provided.
in investigating my credit with esperian i show two open accounts with cbna. i have no credit cards with cbna. could you explain this to me? thanks
how old do the statue of limitation go back
Is there a statue of limitations on old judgements on credit cards
Qs on credit reports
if i paid off a dept/loan, how long is it suppose to stay on your credit report before it comes off? if i paid off a loan in the time it was suppose to be paid off is it suppose to say paid satisfactory or paid as agreed on my credit report and what is the different between the two? if i have duplicates on my credit reports how do i get one off?
CBNA
I HAVE 2 CBNA ACCOUNTS ON MY CREDIT REPORT BOTH MARKED "PAID"I DON'T RECALLED HAVING THESE ACCOUNTS, SHOULD I BE CONCERNED?
I do not who I owe
Am seeing that am owing $245.00 to CBNA and I don't know when that was
credit report
I recently ran an Experian Credit Report for my credit history.
It shows debt of $127.
What is this?
Card Chase
How do I get a statement regarding this card if credit or debit. and which bank made the report. I need to clear or verify.
Milwill55@yahoo.com 954-696-6792
CBNA found on Experian credit report
I have NO idea what this is and why I have a $92 balance on an acct. starting with 2043 showing $800 credit limit. Another CBNA acct. starting with 7746 also appears but with no balance and also has a $800 credit limit. I tried calling 615 446 7128 with reply that number does not exist. Who are you and what is this about? Please explain. Thank you for your time in this confusing matter, Deb Zwickey
home equity
hi I am in the process of getting home equity increase and CBNA shows up from bank to pay off.My question is who,what,why?
Mistake on credit report
Your company was listed on my credit report stating its in the collection process. I'm confused on exactly what it is I owe. The fact being I've never done business with you all.
CBNA ref#364603305
Is this account Bank of America OR Citibank credit account?
I forget which. Jesse
citicards cbna
It shows on my credit report that A lender reported that a new account opened in my name. I did not open any new accounts. What do I do to have this closed and taken off my report?
north America credit breuau
What is north America credit bureau doing on my credit report?what is it?
credit report
I received a notice from Transunion that you had acquired a copy of my credit report. Why and for what reason? I have a freeze on it due to ID theft.
CBNA appears on my credit report.
I don' t recall I owe to any agency or credit card. I try to call the number above (615)446-7128 but this number is disconnected. what should I do?
CBNA account on credit report
This account shows up on my credit report as opened in Nov 2014. I do not know what account this is. Apparently, has never been used. Can you identify so that I may get this cleared off my credit report. account lists CBNA 603532077232****
CBNA on Credit Report
I have just enrolled in a credit protection plan. One of the names listed is CNBA. on date 4/16/14. I have no idea who or what this is, whoever it shows account as open. How do I contact this company and close the account. Thank You
Bad account on my credit report
Can you help me find Citibank North America and not the Credit Bureau of North America LLC
need guidence
Hello Carol,
I have a hit on my Experian CR that is inaccurate and I am unable to get it removed after several attempts. Is this a service you offer?
Thanks
CBNA
The CBNA showed up on my credit report with an $11,700 credit line but the Balance is 0 - so how do I get it off my credit report?
Hard inquiry on Credit report
Why would CBNA have a hard inquiry on my credit report? My wife has a citi card but we do not refer to it as CBNA. And this is on my report. Please explain. I would like to have it removed.
FRAUD
MY CREDIT REPORT SHOWS A DEBT TO THE CBNA . I HAVE NEVER HAD A CBNA DEBT, SUSPECT FRAUD. WHAT SHOULD I DO?