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FIA CSNA is listed on my credit report - What should I do?

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If you find an account listing with FIA CSNA on your credit report, it means you may owe a certain amount of credit card debt to FIA Card Services, which is a subsidiary unit of Bank of America. Alternatively, you may not owe money directly to FIA Card Services, but to a company for whom the former processes credit cards. Go through the following topics to know what FIA CSNA is all about

What is FIA CSNA all about?

FIA CSNA or FIA Card Services was initially founded as MBNA, a subsidiary of Maryland National Bank. But later on MBNA merged with Bank of America and changed its name to FIA Card Services, National Association.

What if FIA CSNA is listed on my credit report?

When you find an FIA CSNA listing on your credit report and you're not sure whether you owe the debt, request FIA Card Services to validate your debt. For this, you need to send them a debt validation letter through certified mail with return receipt requested. If you need help writing the letter, just check out a sample debt validation letter. The letter should be sent to the following address:


FIA Card Services
1100 N. King Street
Wilmington, DE 19884


If FIA CSNA validates your debt and it turns out that you owe them a certain amount of money, then you should negotiate a repayment plan with the company. However, if you don't think you can pay off the debt in full, work out a debt settlement agreement with your creditor. Use sample debt settlement letters to communicate with FIA Card Services, so that they allow you to settle your debt.


Whether you pay in full or settle the debt, try to negotiate a Pay for delete agreement with FIA CSNA. This is to make sure that they request the credit bureaus to take the listing off your credit report, as soon as you pay off the dues.

What if FIA CSNA doesn't validate my debt?

If FIA CSNA (FIA Card Services) does not provide you with sufficient proof that you owe the debt or they do not validate your debt at all, then you can dispute the account with the credit bureaus. Just send a debt validation follow-up letter to the credit bureaus, requesting them to delete the listing from your credit report. As per FCRA (Fair Credit Reporting Act), credit bureaus should remove the account within 30 days. Otherwise, you have the right to sue them in small claims court.



stanley


Debt Samaritan
Posts: 1600
Credits: 2395.45
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Sub: FIA CSNA is listed on my credit report - What should I do?
Thu, 17/06/2010 05:24

What is FIA CSNA?
I found this post in the Credit Forum, can anyone put more light on it?



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Sub: #1 I have 3 FIA CSNA accounts as well as an CRDT FIRST account of Thu, 06/17/2010 - 05:24



I have 3 FIA CSNA accounts as well as an CRDT FIRST account of which I have no idea what they are


Unregistered

Sub: #2 Authorized user onlyMon, 03/15/2010 - 06:03



On a recent credit report I learned of an outstanding credit card that I'm not familar with. Since I'm listed only as an authorized user I have no account number. It only shows up on Equifax and not on Transunion or Experian. Without an account number I'm making no head way. I have contacted FIA CSNA and keep getting the run around because I have no account number. What is my next move?


Unregistered

Sub: #3 FIA LiabilitySat, 01/23/2010 - 10:13



I am in the process of buying aa house with my son. In our loan application, the lender has noted that both my son and I have a FIA CSNA liability of $6,929. We have no record of this liability.

What can we do?


Unregistered

Sub: #4 lost wallet with credit cardFri, 01/15/2010 - 18:50



i lost my wallet with my prudential fia credit card in it i have been on hold for almost half an hour i need to cancel that card as soon as possible please help


Unregistered

Sub: #5 what is the best procedure to cancel my FIA credit card (Bank ofTue, 01/12/2010 - 19:39



what is the best procedure to cancel my FIA credit card (Bank of America)?


cajunbulldog
cajunbulldog

Posts: 4785
Credits: 42347.05

Sub: #6 Quote:Originally Posted by AnonymousHave been receiving a card sTue, 12/22/2009 - 07:49



Quote:
Originally Posted by Anonymous
Have been receiving a card statement from FIA Card Services for the last 4 months saying I have a credit of $4650. on my card ending in xxxx. I don't know what card they are referring to. Then I got a check for that amount in the mail. Any suggestions?


Contact Bank of America directly regarding this.If that check is fake,it will destroy your bank account.

Cajunbulldog
Keeping an eye out for consumers.
http://www.ftc.gov/os/statutes/fdcpa/fdcpact.htm#809
http://www.ftc.gov/os/statutes/fcrajump.shtm
http://www.debtconsolidationcare.com.../about216.html
Use this letter to protect your rights under the FDCPA
myfairdebt.com & myfaircredit.com-Good source of case law in forums.


Unregistered

Sub: #7 Have been receiving a card statement from FIA Card Services for Mon, 12/21/2009 - 12:27



Have been receiving a card statement from FIA Card Services for the last 4 months saying I have a credit of $4650. on my card ending in xxxx. I don't know what card they are referring to. Then I got a check for that amount in the mail. Any suggestions?


Unregistered

Sub: #8 I got this in my report as well. What is this??? is this the samTue, 10/13/2009 - 05:21



I got this in my report as well. What is this??? is this the same as BAnk of America then?


Unregistered

Sub: #9 creditor inquires FIA CSNAMon, 08/24/2009 - 14:22



I have 3 inquiries on my credit report from FIACSNA. Why is this? Every where I search gives me no information. Is there a specific web site or phone number? If there is, what what is it? I'm not in debt, so why the inquiry?


Unregistered

Sub: #10 BEWARE OF FIA SERVICESThu, 06/11/2009 - 17:57



watch out if you have made payments to BOA on their online website with your bank card because they printed up a check and filled in a considerable amount and deposited it in their account with BOA without any notice or approval by me or my husband completely and totally unauthorized we were shocked when we seen this on our online banking.
word of advice if you make credit card payments via BOA website close that account and open a new one and use your banks online bill pay that way these credit card companies do not have access to your Acct.# or routing#. As for us we are filing a law suite against FIA Card Services.


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