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

Maxine Y Stone… (not verified)

Carol, I have CBNA showing up on my credit report showing that I owe $451.00. I don't have an account with Credit Bureau of North America or for Citibank North America. I went through all of my credit cards and there is nothing from either of them . What shall I do.? Maxine

Mon, 03/13/2017 - 23:08 Permalink
RAMON ROBLES (not verified)

HOW DO I GET THIS TAKEN CARE OFF

Tue, 03/14/2017 - 14:06 Permalink
RAMON ROBLES (not verified)

HOW DO I GET THIS TAKEN CARE OFF , WHAT IS THE NUMBER I CAN CALL YOU ON ON THIS MATTER

Tue, 03/14/2017 - 14:07 Permalink
RAMON ROBLES (not verified)

HOW DO I GET THIS TAKEN CARE OFF , WHAT IS THE NUMBER I CAN CALL YOU ON ON THIS MATTER

Tue, 03/14/2017 - 14:07 Permalink
Monica Burns (not verified)

$175.00 I don't know what this is for. Please let me know what this is about and if I actually owe this amount.

Wed, 03/15/2017 - 17:59 Permalink
Nell Womack (not verified)

List showed up on my credit report showing I owed $8,261.00. How do I find out where it came from. It says I have a credit limit of $16,600.00. I have no idea where this is or where it is coming from. What should I do?

Wed, 03/15/2017 - 21:58 Permalink
Charles Swenson (not verified)

Carol,
Experian notified me of a credit inquiry to CBNA. Please assist me
in resolving this intrusion as we have not requested any new credit
cards nor do we have any other reason for a "credit inquiry".

Thank you. I am contacting you as I have not been successful in
communicating with CBNA by phone.

Charles Swenson
701-818-4357

Fri, 03/17/2017 - 14:56 Permalink
Charles Swenson (not verified)

Carol,
Sorry, I forgot to leave my address:
Charles H. Swenson
2810 18th Ave SW
Minot, ND, 58701

Thank You!

Fri, 03/17/2017 - 14:59 Permalink
BARBARA ORO (not verified)

I WOULD LIKE TO SPEAK WITH SOMEONE THAT CAN CLARIFIED ME SOMETHING

Fri, 03/17/2017 - 16:21 Permalink
Margaret Schafer (not verified)

I don't understand what that means and I don't know why you did this. I have no negatives on my reports so why are you messing with it?

Tue, 03/21/2017 - 19:11 Permalink
Edwin Lopez (not verified)

Suddenly CBNA is showing up on my credit report and I am unaware of having anything from them.

Wed, 03/22/2017 - 19:56 Permalink
Maureen P Halmos (not verified)

My bank is asking about the "Loan" opened in 1998 and closed in 2003.
Can you help me on this? Thanks.

Thu, 03/23/2017 - 19:57 Permalink
Maureen P Halmos (not verified)

My bank is asking about the "Loan" opened in 1998 and closed in 2003.
Can you help me on this? Thanks.

Thu, 03/23/2017 - 20:05 Permalink
Marcia Cupello (not verified)

I want to know why I Should.

Tue, 03/28/2017 - 20:41 Permalink
Robert Rodriguez (not verified)

Why is this showing up on my Experian part of my credit report?

Tue, 03/28/2017 - 22:58 Permalink
Julie Doughty (not verified)

CBNA activity has been detected by my credit protection company. Can you provide information as to why?

Thu, 03/30/2017 - 12:38 Permalink
melanie lloren (not verified)

why it shows on my credit report but its open since 2013, I want it close but no balance and I don't owe anything...

Sat, 04/08/2017 - 18:59 Permalink
Pete Guadan (not verified)

Not able to find out about a debt of 409.00 that shows to be outstanding and I need to close this issue

Fri, 04/14/2017 - 03:02 Permalink
Christian Rodriguez (not verified)

I need to know why there is 1,326.00 on my credit report if I don't own any city bank credit card or account

Fri, 04/14/2017 - 18:43 Permalink
pete guadan (not verified)

how can I get this removed from my credit report

Sat, 04/15/2017 - 16:48 Permalink
Bryan Linville (not verified)

I haven't applied for credit card or loan. Can you tell me if something has been purchased on it. Also if so what address was it shipped too. My address is 8301 CR 701, Ripley, MS 38663.

Sat, 04/15/2017 - 21:07 Permalink
Gavi (not verified)

Hi Carol, I hope all is well. When I started working on my credit I didn't know much. I was eager to pay off my debt. I came to a settlement agreement without knowing how bad that looks on your credit. Now a few years later I am realizing this, however the company won't allow me to pay off the remainder as they are saying that I have a zero balance. I want to pay it off so it can report that I paid it off in full. Any advice would be greatly appreciated.

Wed, 04/19/2017 - 19:20 Permalink
wayne richardson (not verified)

I have several old accounts that are showing up on my credit report and causing an issue with my bank. I need them removed from my report and letter from CBNA that they are closed and have no money due
Acct# 60353204312xxxx; 603532008251xxxx;37405xxxx;512107012256xxxx

That is all the numbers I have shown on my credit report

Thanks

Wayne Richardson
410-647-3086 office
410-647-9377 fax
waynerich2@verizon.net

Wed, 04/19/2017 - 22:44 Permalink
BALA KALYANARAMAN (not verified)

Hi,

I am not sure, why CBNA has requested a copy of my Credit Report. I have never missed a single payment or has taken a loan. Is this something bad? What should I do now? Please advise.

Sat, 04/22/2017 - 20:17 Permalink
Michelle Alton (not verified)

I see the CBNA has lowered my credit limit, and it appears to be affecting my credit rating. I don't even know what CBNA is? Associated with some store account that I don't use regularly? I'm concerned because I have an impeccable credit history.

Tue, 04/25/2017 - 13:50 Permalink
Helen (not verified)

I do not know who these people are or who they represent and in trying to make a loan, it has shown up on the report.

Thu, 04/27/2017 - 16:18 Permalink
Valerie (not verified)

My credit Report shows 0 balance, but i don't know who the company is

Fri, 04/28/2017 - 03:22 Permalink
Susan M. (not verified)

What if you don't know who hired CNBA. How do you research to dispute the collection

Fri, 04/28/2017 - 18:09 Permalink
Elsa (not verified)

The contact information you have listed is no longer valid. Phone number is disconnected! Help!

Sat, 04/29/2017 - 17:18 Permalink
jerry smith (not verified)

Wants to know why is CBNA showing up on my credit report? I have a person helping me bring my credit score up could that be a possible reason if so How do I know for sure?

Wed, 05/03/2017 - 11:41 Permalink
Jordan (not verified)

I have a CBNA on my credit report and it says that the payment history is ok (not late on any payments). I do not make any payments on this account unless it's being taken out in some other place. How should I handle this situation?

Thanks,

Jordan

Thu, 05/04/2017 - 16:45 Permalink
James Mark Kinsey (not verified)

$135.00 balance shows up on our recent credit report. Acct is current, but it shows someone is making a $27.00 per month pymt. We contacted Citibank and that acct has been paid since 2014. What is this for and why is it showing up on our credit report when we do not owe an outstanding balance nor are we making any payments.?
Please call 731-796-0364
Thank you!

Fri, 05/05/2017 - 19:38 Permalink
PAULA MORRIS SMITH (not verified)

I USE MY DAUGHTER MEDICAID CARD TO PAY FOR HER EMERGENCY VISITS AT THE HOSPITAL. MONTHS AFTER, THEY SEND ME THE BILLS FOR THE VISITS. I THEN CALL THE HOSPITAL ABOUT THE BILLS. THEY SAID THAT THE DOCTOR DO NOT TAKE MEDICAID. THAT SHOULD NOT BE MY PROBLLEM. NOW TWO ACCOUNTS ARE SHOWING ON MY CREDIT REPORT. THEY BELONG TO MY DAUGHTER NOT ME. I THINK THEY SHOULD TRY SOME OTHER WAY TO GET THE MONEY FROM MEDICAID. THEY SHOULD WRITE MMEDICAID AND SEND THEM COPIES OF THE INVOICES FOR THE SERVICES THEY PROVIDED.

Fri, 05/05/2017 - 20:15 Permalink
Jill workman (not verified)

I received a check from mortgage closing to pay cbna. I do not know
What this is - I have never been sent a bill. Who is this creditor

Mon, 05/08/2017 - 21:32 Permalink
Phil Hamlin (not verified)

Please explain the hard hits for the past two years on my credit report.
Phil Hamlin 113 Harter Dr. Daytona Beach, FL. 32117 DOB 04/11/57, S?S last four. 6413 Ph. 386 235 4564

Thu, 05/11/2017 - 17:32 Permalink
Tan nguyen (not verified)

Hi I just check my credit report today and it show up I still owe money with you , can you double check for me?

Tue, 05/16/2017 - 05:35 Permalink
Netti (not verified)

I have an open account CBNA on my credit report with a balance of 90.00 and a monthly payment of 58.00 and I do not know what this is? It says that I opened it in 2005. I do not recall this at all!

Wed, 05/24/2017 - 14:40 Permalink
cheryledmiston… (not verified)

I have never been involved with a collection agency. Why would CBNA show up on my AAA security account which is under Experian Credit Reporting? How would they get my information about anything?

Fri, 06/02/2017 - 13:33 Permalink
Lydia Bennicoff (not verified)

I Don`t know what I would owe to the cbna. How do I find out who the creditor is

Sun, 06/04/2017 - 18:19 Permalink
Frances Dunkum (not verified)

Please advise as to why this is showing on my credit report.
XXXX4095

Mon, 06/05/2017 - 14:32 Permalink
Diane M. Toscano (not verified)

I have this on my credit report but do not know what it is for. Is it possible you can help me?

Mon, 06/05/2017 - 21:47 Permalink
HOBIE WARD (not verified)

I HAVE RECENTLY RAN A CREDIT REPORT ON MYSELF AND IT IS SHOWING A BALANCE TO CBNA . I HAVE NO CREDIT CARDS I AM ONLY 20 YEARS OLD AND HAVE NEVER HEARD OF THIS PLACE CAN YOU PLEASE TELL ME WHAT THIS IS FOR

Fri, 06/09/2017 - 13:47 Permalink
HOBIE WARD (not verified)

RECENTLY RAN MY CREDIT REPORT AND HAVE CBNA ON IT CAN YOU TELL ME WHAT THIS IS FOR AND WHAT I PURCHASED WITH THIS . JUST WONDERING SINCE I DO NOT OWN A CREDIT CARD

Fri, 06/09/2017 - 14:18 Permalink