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
Charge off on Credit Report
I have a charge off on my Credit Report that was opened in July of 1989. I have no idea what this is and why I have not been contacted about this. Can you help me or let me know who I can contact?
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old debt on my report
Hi, I am trying to clear up an old debt found on my credit report.
Credit report
I want to know what credit card is on my credit report I don't have any under my name nor ever did so I'm trying to figure this out.
CBNA on my report
I'm joint on this acct. I have never had a joint acct with anyone. I would like my name removed please as this is an error.
Unpaid balance showing on credit report
I don’t know who the creditor is but have no outstanding/delinquent
accounts. Can you please help me.
My credit report has:
CBNA
P.O. Box 9714, Grey, TN 37615
Acct# 603532001047960
Unpaid Balance - $155.
new acc't on credit report
Why do I have CBNA on my credit report.
CBNA
I have a "New Trade" item in my credit report from
"CBNA". What should I do?
Credit card
My husband and I are trying to buy a house and a credit card came up on our credit history that we owe $1600 on this card but we have no cards ending in the number he gave us it was opened in 2013. We are shocked to find this out. Our credit card were paid off almost 2 years ago all of them. Thank you
CBNA/ABBY
I just finance a purchase from Best Buy for 12 months, is this notice due to my purchase.
Who was using CBNA - what credit card?
I did apply to American Air Lines --Is this the credit card - they were interrupted during the process--wasn't sure it was completed?
Who was using CBNA - what credit card?
I did apply to American Air Lines --Is this the credit card - they were interrupted during the process--wasn't sure it was completed?
Who was using CBNA - what credit card?
I did apply to American Air Lines --Is this the credit card - they were interrupted during the process--wasn't sure it was completed?
Who was using CBNA - what credit card?
I did apply to American Air Lines --Is this the credit card - they were interrupted during the process--wasn't sure it was completed?
Credit Report
I have a late payment thru Best Buy. How can I figure out who to pay to clear this matter up?
Unknown listing of balance $1,877 found on credit karms
Can you please tell me what this account is related to that was found on my credit karma account? I am not familiar to this card use which states a balance of $1,877 dated 2015, August 26. This is unfamiliar to me and would like to confirm this is listed under the correct account holder - as I do not own a card with this amount.
Thank you,
Diana Cappetto
Unknown listing of balance $1,877 found on credit karms
Can you please tell me what this account is related to that was found on my credit karma account? I am not familiar to this card use which states a balance of $1,877 dated 2015, August 26. This is unfamiliar to me and would like to confirm this is listed under the correct account holder - as I do not own a card with this amount.
Thank you,
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Credit report
I need to know who you are and why you on my credit report please give me some information?
Credit report
I need to know who you are and why you on my credit report please give me some information?
No Record ?
and that's the reason for finding this on file.
CHILDRENS PLACE/CBNA
THIS IS AN ACCOUNT THAT IS PAID AND VERY OLD. WHY DOES THIS APPEAR ON CREDIT REPORT. AFTER 10 YEARS THESE SHOULD FALL OFF. PLEASE STOP REPORTING AND LET THE CREDIT BUREAU NO TO REMOVE. THANK YOU,
MRS. CLAY
Credit report acct
I don't have any credit account with CBNA #603532020069XXXX, amount $6,261, open on 11/2005, I move to Puerto Rico on June 2005, and I did not have this account or request this account with CitiBank, I don't have any business with them. Please let me know or remove this from my credit report, thanks.
credit on equifax
justchecked my credit and cbna came up. how do I find out what this is
hard inquiry on ceredit report
I recently checked my report and a hard inquiry was listed as CBNA. I did not request them to check my credit. Please tell me why they did.
Thanks for your assist.
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Credit Rating drop
Why has my C.R. thru your agency dropped?
Credit balance
On my credit report it says I have a credit card with Citibank cbna with an $8,100 limit and I don't ever remember receiving the card or anything and if I have an $8,100 limit I would be using it to bring my credit score up I could pay off certain bills and then get them paid back down so I don't understand why it's on there or where it came from and I was just wondering how I can check if I do have an account with them
Why are you on my credit report in August twice?
Why are you on my credit report in August twice?
CBNA on my credit report
I have something showing up on my equifax credit score from CBNA - a late payment in 2011. I have no clue what this is. It is the only things keeping this eqifax score at 788 vs the other two where they are way over 800. Can you tell me what to do.
CBNA on my credit report
I have something showing up on my equifax credit score from CBNA - a late payment in 2011. I have no clue what this is. It is the only things keeping this eqifax score at 788 vs the other two where they are way over 800. Can you tell me what to do.
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My credit report/scores
Why does cbna appear on my Experian report
3 times, 9/2018, 10/2017 and 9/2017.
It also appears on my Equifax report, 2 times,
again on 10/2017 and 9/2017? Why is the phone# you provide not in service?
Is cbna a collection agency and if so please send
me a debt validation letter asap! I have no idea
who you are collecting for. I am in the process of repair/rebuilding my credit and your hard inquires obviously effect my report/scores.
I am disputing your hard inquiries, please remove them from my report asap!!
Thank you, Kathleen Gallaher.
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Credit card charge...
Is Sears credit card part of CBNA????
False Debt
My credit report dropped 60 points. I do not know where this came from. What is the problem! I will require an explanation of why I have a negative report on my credit standings!
Credit card fraud
I recently went to go trade my car but my credit shows I have a loan with CBNA and I have never applied for a loan with them, I would like to know what steps we need to take to file this fraud claim
Good Deed
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Open credit
Good afternoon, I called the listed number (615) 446-7128 and I received a recording stating the number is no longer in service. I wanted to know about an open card. I don't recall having one but on my credit report I have an open account and my limit is $500. I need to know what do?
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Pls.i need a letter from you,from my credit report,for my mortgage, because I'm trying to refinancing my house ,but, cbna,appear in my credit report,and i don't have account with cbna,I need a validation letters from CBNA,for my mortgage..thanks
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CBNA on my credit report
Curious why this shows up on my credit report?
Fraud
Hi I recently had my credit ran and I had CBNA on my report, I haven’t applied for any type of loan, so I would like to go forward with a fraud case. Please contact me back at xomissey@gmail.com. Thank you
Don't have credit card
My credit reports show as of 09/22/2018 I have an unpaid balance of $302. I don't have a credit care.
Credit Card
I have an open account with a limit of $500 but I don't have a credit card. What can I do about this situation?
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