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3 Things to do if you find ODPT/CBSD on your credit report

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Carol
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Community Contributor

ODPT/CBSD stands for Office Depot Credit Card/Citibank South Dakota. If they are listed on your credit report, this means that you might have used an Office Depot card at some point in your life.

What to do if you find ODPT/CBSD on your credit report

Here are the 3 things you can do if you find ODPT/CBSD on your credit report:

  1. Check whether you owe the debt:

    The first thing you should do is check whether you owe the debt. It could be that you took out the card a few years ago and completely forgot about it. Ask the Citibank representatives to validate the debt. If they can prove that you owe the debt, you should negotiate with Citibank to settle the debt before your account is sold off to a collection agency (CA). Once your account is sold off to a collection agency, it may be very difficult for you to settle the debt.

    You can settle the debt on your own if you have good negotiation skills. However, if you're not sure you can settle the account on your own, get help from a debt settlement company. The representatives at the settlement company can help you to lower the payoff amount by 40% to 60%. However, once you've settled the account, ask the bank to update the account status on your credit report as "Paid in full" or "Paid as settled".

  2. Dispute the debt if you've paid off the account:

    If you've already paid off the account but it's still listed on your credit report, then dispute it with Citibank or the credit bureau. You should dispute the account within 30 days of the bank's notice of the debt amount. Make sure you send the copies of the bills you've already paid to the bank. Once you prove that you've paid off the card, the bank must stop attempting to collect payments from you. The bank or credit bureau must then remove the ODPT/CBSD account from your report.

  3. Dispute the account if you don't owe the debt:

    If you're sure that you have never owned an Office Depot card, dispute the account with Citibank or the credit bureau where you have gotten your credit report. Ask the representatives at the bank to verify that you owe the debt. If they don't agree to verify the debt, send them a letter asking them to stop contacting you. You should also ask them to remove the inaccurate information from your credit report as soon as possible.

If you want to contact Citibank for payment related problems or for any other issues, then contact them at the following address:

Citibank South Dakota
PO Box 6497, Sioux Falls
SD 57117

 

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anthony

anthony

Joined: 31 Jul 2006

Posts: 516
13571 Magic Points
PostPosted: Fri Oct 17, 2008 12:42 pm    Post subject:
I think that it is some co-branded credit card with CBSD (Citi Bank South Dakota). Citi bank issues different types of credit cards and I think that ODPT is one of them, but I am not sure. So you should immediately contact the citibank at 1-877-319-7904. But the best think is to send citi bank a debt validation letter by certified mail and wait for 30 days for the response. If they can validate your debt you can come to know what is ODPT.
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Anthony Marx

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Justin

Justin

Joined: 17 Jul 2006

Posts: 1240
28942 Magic Points
PostPosted: Mon Oct 20, 2008 7:18 am    Post subject:
Yes CBSD is citibank South Dakota, but I am not sure of ODPT. You should contact the citibank immediately and inquire about the listing.
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Justin
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Michael
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0 Magic Points
PostPosted: Mon Oct 27, 2008 10:13 pm    Post subject: Credit Fraud
I have two seperate credit fraud attmepts at CBSD.

One at 0PDT? and one at THD?
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fraudvictim
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0 Magic Points
PostPosted: Wed Nov 05, 2008 10:05 pm    Post subject: contact info
Does anyone have contact information for CBSD? I believe I have fraud attempts on my credit, as well.
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Vic
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PostPosted: Wed Jan 21, 2009 3:41 pm    Post subject: ODPT/CBSD
CBSD is Cii bankn od SD, and the ODPT is Office Depot
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Mary

Mary

Joined: 06 Jul 2006

Posts: 686
17396 Magic Points
PostPosted: Thu Jan 22, 2009 9:48 am    Post subject:
CBSD is a credit and debit card processing service with no BBB accreditation and no BBB rating. You can contact them at the following address:
CPU/CBSD, PO Box 6497, Sioux Falls, SD 57117
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Damian
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0 Magic Points
PostPosted: Thu Feb 12, 2009 5:51 pm    Post subject:
Is there a number for them? I believe I was just a victim of id theft/credit fraud as well.
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Mary

Mary

Joined: 06 Jul 2006

Posts: 686
17396 Magic Points
PostPosted: Fri Feb 13, 2009 11:44 am    Post subject:
Hi Damian
If you are a victim of identity theft, you should immediately fill up an online identity theft complaint form with the Federal Trade Commission. Once you fill up the form, you get registered as a victim of identity theft. Next file a complaint with the local police by depositing a copy of the identity theft complaint form, and a photograph.
You should at the same time place a fraud alert service with any of the three credit bureaus.
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lissyb4u
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PostPosted: Sun Mar 01, 2009 4:13 pm    Post subject:
ODPC means OFFICE DEPOT
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pATRICIAAREITH
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PostPosted: Tue Apr 14, 2009 2:27 pm    Post subject: THD/CBSD
RCEIVED MY CREDIT REPORT WITH THD/CBSD ON IT, TO MY KNOWLEDGE I HAVE NEVER HAD A ACCOUNT THERE. COULD YOU TELL ME WHAT IT WAS FOR AND TO WHOM IT WAS. THANKS SO MUCH.
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carol

carol

Joined: 27 Jun 2006

Posts: 1307
29555 Magic Points
PostPosted: Wed Apr 15, 2009 9:03 am    Post subject:
THD/CBSD is the home depot credit card from BofA. If you think that you do not have any credit card with them, you can simply dispute the listing with the credit bureaus. At the same time, you can also send a DV letter to the creditors to check whether you owe them the money or not.
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Carol
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MCalloway
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PostPosted: Fri Apr 24, 2009 7:05 am    Post subject: Shell/Citi and CPU/CBSD
Today I checked my credit report after getting a call from my bank saying that someone was trying to make a $1,100 charge using my debit card number. On my credit report I apparently have 2 different fraudulent credit cards one named Shell/Citi and the other CPU/CBSD. The funny thing is that one of them was opened before I was even born and the other was opened when I was 8 years old. Clearly I did not open these accounts and I will be contacting citi immedietly. I have seen many people saying they had these apparent credit cards on their credit reports as well. Seems like Citi has a habit of opening credit cards with peoples information without them even knowing about it or even being old enough to have one. The sad part is I actually do have a legit citi credit card which I do use and I am seriously thinking about transfering my balance to a different less fraudulent company!
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friend
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PostPosted: Sat Jun 06, 2009 5:22 pm    Post subject: CPU/CBSD credit report
I had the same item on my report, but I discovered that the credit card number matches my 76 gas station credit card. It could be someone else in your family has the account and has listed your name as a card user.
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Joe
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PostPosted: Fri Jul 17, 2009 12:18 pm    Post subject: What is FRDF/CBSD
I have this on my credit report?????
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