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

Elizabeth Heilman (not verified)

I am very confused. My credit report says that I owe a balance with you and my monthly payment is $27 and that is incorrect. Can you please help me with this to help me understand.

Wed, 11/14/2018 - 22:25 Permalink
Kathleen Roach (not verified)

CBNA showed up as an alert of an account that was opened up with you on 7/19/18. I don't have any knowledge of opening an account or credit card with you ever. Kindly investigate for fraud.

Thank you,
Kathleen Roach

Thu, 11/15/2018 - 17:43 Permalink
ZACHARY NOBLE (not verified)

WHO ARE YOU AND I HAVE NEVER HAD A CREDIT CARD? CAN YOU PLEASE TELL ME WHY YOU ARE REPORTING ON MY CREDIT

Tue, 11/20/2018 - 20:02 Permalink
Thad Burton (not verified)

I received an email from Creditwise regarding a new account set up in my name on 11-23-2018 (yesterday). The only info it gives is citicard cbna. I don't think I opened a new account. How can I find out what this is?

Sat, 11/24/2018 - 21:47 Permalink
Barbara Cooke (not verified)

I don’t know what the check is for however it was on the for payment. The check will be forward to the address I have, there is no account information.

Thu, 12/06/2018 - 16:10 Permalink
Yulonda Cobb (not verified)

CBNA showed up on my credit report and I want to know why due to the fact I don’t have a account with you all. I would like this inquiry deleted off my report. Thanks!

Wed, 12/19/2018 - 11:12 Permalink
Sara J. Smith (not verified)

Hello, I recently checked my credit report and found a credit card listing for CBNA sincen2016 with a balance of $0.

Please let me know how I can close this account and get it off my credit report.

Thanks so much.

Sara J. Smith
annieanddanny16@gmail.com
812-454-5711

Sat, 12/22/2018 - 06:43 Permalink
Jason6567 (not verified)

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Sat, 01/05/2019 - 16:10 Permalink
jfreeney6322@y… (not verified)

on Jan 9th a cbna account was reported on my Transunion credit report. I have not applied for an account with CBNA. how can I get this removed

Thu, 01/10/2019 - 20:11 Permalink
jfreeney6322@y… (not verified)

on Jan 9th a cbna account was reported on my Transunion credit report. I have not applied for an account with CBNA. how can I get this removed

Thu, 01/10/2019 - 20:13 Permalink
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Sun, 01/13/2019 - 09:35 Permalink
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Wed, 01/16/2019 - 14:39 Permalink
John Higgins (not verified)

I have be reviewing my credit report and happen to see cbna on there. I'm unaware of the bank listed from April 15 2018 I would really appreciate if you can remove this item off my report so I can continue to keep my report in tact

Wed, 01/16/2019 - 21:21 Permalink
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Sat, 01/19/2019 - 17:29 Permalink
Frank Harrington (not verified)

I have no idea what this is!

Sun, 01/20/2019 - 18:54 Permalink
Noah Davidson (not verified)

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Tue, 01/22/2019 - 00:11 Permalink
Camille Sleet (not verified)

I am showing up as an authorized user on a credit card I don't have and have never used. I know the person who is doing this. He's obtained my social security number and added me to several of his accounts. What should I do to be removed from these accounts.

Thu, 01/24/2019 - 15:43 Permalink
Micheal Edwards (not verified)

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Thu, 01/24/2019 - 23:53 Permalink
Janice Takada (not verified)

CBNA shows under the above category, due to an identity theft issue that was reported to Sears (resulting in the account being closed). Why is it there and how can it be removed?

Sun, 01/27/2019 - 22:20 Permalink
Sharon Ziegenhagen (not verified)

"ProtectMyID" shows an alert for a New Account-New Trade on December 18, 2018 with the Balance Amount of $81. It lists the Source as Experian and the Name as CBNA, the Business Type as BC, and the Open Date of the account as 11/22/2018.
I don't remember opening any new accounts. Is there a way of checking to see what company this account is with?
Thanks for any advice.

Mon, 01/28/2019 - 18:51 Permalink
Don McCartney (not verified)

The number listed above for the CBNA is no longer in service. Can you please provide the correct number?
Thank you.

Mon, 01/28/2019 - 19:44 Permalink
Don McCartney (not verified)

The number listed above for the CBNA is no longer in service. Can you please provide the correct number?
Thank you.

Mon, 01/28/2019 - 19:46 Permalink
Miranda lawson (not verified)

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Tue, 01/29/2019 - 00:04 Permalink
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Tue, 01/29/2019 - 23:09 Permalink
Tom Terlau (not verified)

I had a dispute with Citibank over 5 years (I think) but they placed an inquiry on my credit report on 11/10/18. What can I do about this? Thanks you!

Wed, 01/30/2019 - 18:52 Permalink
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Thu, 01/31/2019 - 01:40 Permalink
Patricia Beatty (not verified)

What is this? I was notified by email it was put on my credit account for $4,500? I do not know about this ? HELP 304 527 3877 is my number call or leave me a message about this TRAC/CBNA $4,500.00 Ok Thank You

Fri, 02/01/2019 - 12:31 Permalink
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Sat, 02/02/2019 - 20:53 Permalink
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Sat, 02/09/2019 - 00:18 Permalink
Chris Csengeto (not verified)

Dear Carol,

I am writing to you because I would like to set up a monthly payment plan for my debt. I was paying CGS services. But as of last year my family and I went through a financial hardship. Plus my wife had broken her leg. I am now able to make monthly payments. Please contact me as soon as you can do I can begin to pay. Plus, I was making payments but they are not showing up on my credit report.

Regards,

Chris Csengeto

Sat, 02/09/2019 - 16:43 Permalink
Chris Csengeto (not verified)

Dear Carol,

I am writing to you because I would like to set up a monthly payment plan for my debt. I was paying CGS services. But as of last year my family and I went through a financial hardship. Plus my wife had broken her leg. I am now able to make monthly payments. Please contact me as soon as you can do I can begin to pay. Plus, I was making payments but they are not showing up on my credit report.

Regards,

Chris Csengeto

Sat, 02/09/2019 - 16:43 Permalink
Ray Knox (not verified)

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Tue, 02/12/2019 - 01:44 Permalink
Ray Knox (not verified)

Hello guys, when you want to upgrade your credit score or have an element removed from your credit report online I suggest you contact XAP CREDIT SOLUTION. Back in 2018 I had a major setback, if you think your credit was bad mine was terrible. I also had evictions that made getting an apartment difficult. My wife has a condition and I needed a loan but I couldn’t, she got seriously ill, my family needed serious help. So i was asking questions on how to steady raise my credit scores, the answers i got did not look like what could get my credit score up in near time. I got notification from a forum and lot of testimonies about a group of ethical hackers called XAP. Via their mail XAPCREDITSOLUTION@GMAIL.COM I contacted them. In 9 days they deleted all the negatives and repos. Thanks to them my score kept increasing until it got to 780. You can text them via (972) 597 9704. I sincerely recommend them. If you are serious with them they will be serious with you. Your testimony is sure…

Tue, 02/12/2019 - 01:44 Permalink
Danny ONeill (not verified)

I am applying for a mortgage and need a copy of CBNA credit report noting 10/3

Wed, 02/20/2019 - 23:52 Permalink
Joan Cronin (not verified)

Your listing on my credit report and that of my husband,Donald, does not make sense!! We want to know what the charges are for since neither of us have any idea why you are on our report ??!! The report was dated 2/18/19. We have paid all our bills on time and do not get any bills or notices from CBNA !!!!!!

Sat, 03/09/2019 - 00:14 Permalink