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

carolbailey351 (not verified)

here is the account number 601157032707759

Thu, 10/29/2015 - 19:48 Permalink
ELBERT EMMETTE… (not verified)

Carol,
First of all Good Morning!
I have a delinquent credit card showing up on my credit report that I know nothing about. As far as I know I have not ever had a credit card with CBNA. Please contact me at either 904-406-0565 (Home) or 757-274-3127 (Cell). This is very important to me to get cleared up ASAP as I am trying to buy a home and cannot due to this account.

Fri, 10/30/2015 - 14:53 Permalink
matt@mountainb… (not verified)

Hello,
I have two hard credit checks this year from CBNA. I do not have any reason for a collection agency to make a check but I do have multiple Citibank accounts. Is there a way to have those removed or to stop them from making hard inquires?
Thank you,
Matt

Fri, 10/30/2015 - 15:12 Permalink
William Wimsatt (not verified)

How do I get citi card to report that my citi card is not open and not been for years?

Fri, 10/30/2015 - 16:28 Permalink
Jannie Wong (not verified)

I have no records of a balance of $1500 for this account. Please check into it for me.

Wed, 11/04/2015 - 01:25 Permalink
Osmani fuentes (not verified)

By my name is Osmani Fuentes I don't recall this account so maybe you can tell me what kind of account this is and if I owe anything how can I close it

Tue, 11/17/2015 - 20:55 Permalink
Mohammed Alshamyleh (not verified)

Hi , i see inquiry on my credit report i dont know why ? so plz can you help me and remove this inquiry. thanks

Wed, 11/18/2015 - 07:14 Permalink
Bernie (not verified)

I found a charge of $25.00 on my credit report from CBNA. I checked to find out who they are, and still have no idea what they wanted. The charge was never collected and they did not attempt any further contact.

The problem is the charge continues to appear on my credit report, and should be remove. I tried contacting them at the phone number provided above (615 446-7128, it is a disconnected number.

Who can I contact? I have no debts, and no clue why they would have put this on my credit report. I want to contact them but they seem to be in hiding. Please help.

Thanks.

Fri, 11/20/2015 - 19:46 Permalink
Judy L Cummingss (not verified)

There is an item on my Credit Report names CBNA. I have no idea what this is and why I owe them money!! If it is Best Buy, I have never had a Best Buy Credit Card. I only have a Best Buy Rewards card. If I purchase from Best Buy, I use one of my regular Credit Cards. Could I please get a clarification on this charge please?

Email: judycummings85@yahoo.com

Mon, 11/23/2015 - 15:55 Permalink
mad as (not verified)

1st your number says disconnected
second my credit report shows I have two accounts open with you how do I find out what they are so that I can close them

Tue, 11/24/2015 - 05:28 Permalink
Jimmy Bedwell (not verified)

Trying to find out how to contact someone with CBNA I want to report my brothers death on 28 Nov. 2015, I amtrying to find out if there is any debit he has. Please contact me at 251-653-0301 or if possibel to email me. My brothers full Name is Cecil E. Bedwell.

Jimmy Bedwell

Wed, 12/09/2015 - 20:12 Permalink
KathyP (not verified)

This shows up on my credit report as 30-60 days late in Feb 2015. There is no balance and I have no idea what it's for. Can you help me get it removed?

Tue, 12/15/2015 - 23:00 Permalink
Joanne Miles (not verified)

I have a 1688.00 collection on my credit report and I have no idea what this is for and when it happened. Please help me.

Mon, 12/21/2015 - 20:13 Permalink
Timothy Joca (not verified)

We have CBNA on our credit report and don't know what company this is with.

Wed, 12/23/2015 - 00:35 Permalink
Adam Williams (not verified)

My credit report shows a balance of over $300 owed to you with a $25 monthly fee. What is this account, I've never received a bill?

Wed, 12/23/2015 - 14:15 Permalink
Sheron Chisholm (not verified)

#6035-35023110 and I don't know what this is for. Can you help me? I should have no old accounts since I filed a bankruptcy in 2009.
Sheron

Tue, 12/29/2015 - 01:17 Permalink
Lesley Safer (not verified)

I checked with a debt reduction company about consolidating my loans and CBNA I believe showed up for a $500 amount....What was that for???

Please advise....

Thu, 12/31/2015 - 06:52 Permalink
Anonymous (not verified)

Acct. #51210722 on my credit report shows a balance of 246.00 and non payment on my end. I have no idea about this and certainly haven't gotten a bill from Sears for a LONG time and didn't think I owed them anything unpaid.

Thu, 12/31/2015 - 21:05 Permalink
Brenda Smock (not verified)

Why do these accounts remain on my credit report? There has been no activity since 2008 & 2009. How can I get them removed from my report?

Mon, 01/04/2016 - 20:05 Permalink
indianhilamex (not verified)

what it this acronym is Citi bank. How do I contact them?

Mon, 01/04/2016 - 22:22 Permalink
John W. Carlsen (not verified)

In our refi we received a settlement check for the account above in the amount of $71.00 to CBNA. Can you confirm the account status and current amount due so we can send the check.
Respectfully,
John W. Carlsen

Thu, 01/07/2016 - 01:10 Permalink
Joe Melton (not verified)

I was informed by my bank today that i have a credit card issued through this company i have never heard of these people aand it is showing up on my credit report i tried the toll free number but have not been able to talk to anyone what is my next move

Mon, 01/11/2016 - 21:26 Permalink
vilma figueroa (not verified)

I do not know why I owe you

Tue, 01/12/2016 - 23:31 Permalink
Vilma Figueroa (not verified)

who is cbna and why is it stopping me from saving my house???? please call me at 267-247-2122

Wed, 01/13/2016 - 13:49 Permalink
Craig Wilnerd (not verified)

I am refinancing my home and CBNA came up on my credit report. I need to know why?

Sat, 01/16/2016 - 13:52 Permalink
debby m baca (not verified)

I am trying to refinance and this is showing up..Have no clue why

Sat, 01/16/2016 - 19:26 Permalink
Mike preddy (not verified)

Your link phone number above is a disconnected number. 615.446.7128. You need to fix it

Mon, 01/18/2016 - 18:03 Permalink
Bruce Upton (not verified)

I am refinancing our home and was told I had a balance that was paid off. I don't recall doing business with CBNA. I was told the balance before the payoff was around $4,000.00. The lending company is going to call someone about this.

Mon, 01/18/2016 - 23:47 Permalink
Samuel H Rankin (not verified)

My credit report indicates a "potentially negative" comment referencing a balance of $3752 with CBNA being the account name. I have no idea what this debt is as I pay all my bills on time.. Please indicate what this is. I tried to call your web listed phone #, however, it is no longer in service.

Fri, 01/22/2016 - 14:06 Permalink
Paulette M. Wilson (not verified)

Good morning,
I am reviewing my credit score and noticed an old account established in 1993 and last reported on in 2007. It is listed as CBNA with an acct number that I am not familiar with. There is a balance of $105 - how do I determine the root or company and clear this from my profile.
Thanks
Paulette

Sat, 01/23/2016 - 16:32 Permalink
Corinne Bach (not verified)

Hi Carol, please remove the phone numbers you give for Credit Bureau of North America and update your page with correct information. Credit Bureau of North America collection agency has not been in business since Aug 2010. ALL items reporting on any person's credit files as CBNA is Citi Bank North America.
I am with AWA Collections and the phone number you are giving is our number not CitiBank.
Thank you for your assistance.
Corinne Bach
Director of Client Services AWA Collections

Tue, 01/26/2016 - 16:15 Permalink
Phil (not verified)

I have a thd/cbna on my credit report I have called cit bank and home depot and nobody has a record of my acct yet my credit report is showing I have a debt of 2,924 on my credit report? My email is Phil111260@aol.com Thanks for your help Phil

Thu, 01/28/2016 - 13:36 Permalink
LARRY Decker (not verified)

WHY ????
CBNA
Account Number
512107978024XXXX
Account Type
Credit Card
Terms
Revolving
Date Opened
12/01/2014

How did you do this ?? I will notify the authorities

Thu, 02/04/2016 - 18:58 Permalink
danny_anderson… (not verified)

I HAVE AN ALERT ON MY EXPERIAN CREDIT REPORT DATED 2/7/16 ABOUT AN ACCOUNT OPENED 1/22/2016 FOR $182.00 AND DO NOT KNOW WHAT THIS IS? CALL ME AT 919 599 6408

Mon, 02/08/2016 - 18:23 Permalink
dwilkk (not verified)

CBNA showed up on my credit report as an inquiry? Why is that so?

Fri, 02/12/2016 - 17:58 Permalink
Stephanie P Treadway (not verified)

I see that you have an amount of $532.00 on my credit report and I do not have a debt for that amount. Was wondering who this creditor would be? The account number for this is 1150044759753.

Stephanie P Treadway
satread1@att.net
919-787-1143

Fri, 02/12/2016 - 22:30 Permalink
Carol Snyder (not verified)

I received a notice that you obtained a copy of my credit report. I have been a victim of identity theft and put a fraud alert with all three credit bureaus. Please let me know what this is about. Thank you. Carol Snyder

Mon, 02/15/2016 - 16:10 Permalink
Tony smith (not verified)

Wondering why this showed up on a credit report I have no idea what it is

Tue, 02/23/2016 - 01:34 Permalink
Jacob Mielke (not verified)

How do I make this right

Thu, 02/25/2016 - 04:15 Permalink
melvin kern (not verified)

Citi/CBNA is showing up on my credit report saying I have a account of $1800 opened in 2006. I do not have a account or credit card with them,what should I do?

Fri, 02/26/2016 - 18:53 Permalink
FRANCISCO L MORENO (not verified)

THERE IS A COLLECTION BY CBNA ON MY CREDIT RPORT WHICH IM TRYING TO SETTLE. PLASE CALL ME AT 305-338-5273

Fri, 02/26/2016 - 19:09 Permalink
karen mcgraw (not verified)

cbna suddenly appeared 3 times with account numbers on experian credit report. i have had only one citibank card which was paid off several years ago. do you know the phone number i can use for citibank if i do not have a credit card. I called their general number but would not connect me without credit card number.
thank you for any help.

Sat, 02/27/2016 - 01:22 Permalink