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Credit Repair, credit score and credit reports

Why is FIA CSNA getting listed on my report?

We have sometimes found FIA CSNA listing in our credit report which appear as a strange stuff to most of us. FIA CSNA is actually the FIA card service National Association which offers a wide range of credit card and loan services to the customers.

If you find the name FIA CSNA listed in our credit report it may be due to the following three reasons:

Your account may be sold off to FIA card services and they are now acting as a Collection Agency for the recovery of the debt.
Since FIA card services which was earlier MBNA (Maryland Bank, National Association) has been taken over by Bank of America in 2006, the listing of FIA CSNA in your credit report may be due to any of your debts outstanding with the Bank of America or the Maryland Bank.
FIA card service also processes the accounts of other banks like Wachovia Banking Corporation. So the listing might also be due to any of the debt you owe to Wachovia.

Now whenever you find FIA CSNA listing in your credit report, all you need to do is to send a debt validation letter to the FIA Card services under certified post and wait till 30 days of their receipt of the letter. If they do not validate your debt, send a dispute letter to the three Credit reporting Agencies telling them that you do not agree with the listing. If they validate your debt then you can come to a repayment plan with the FIA card service. However if you can make them agree to Pay for deletion agreement it would be better because as soon as you repay the debt the listing will come out of your credit report and your credit score will increase.

If you want you can also contact FIA card services at their toll free number 1800.655.1491 which is operative round the clock.

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Posted: Fri Feb 23, 2007 4:14 am Post subject: Why is FIA CSNA getting listed on my report?

What is FIA CSNA? I found this post in the Credit Forum, can anyone put more light on it? _________________ Read my thoughts about Debt and Credit.

stanley
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stanley

Joined: 30 Sep 2005
Posts: 1716

Debtcc Points: 251

Posted: Fri Feb 23, 2007 6:48 am Post subject:

I have no clue about it. If people notice strange stuff on their report,they should call the credit bureau and ask what the heck is this! I have been digging a very deep hole to throw all three bureaus in head first. Credit is good but they seem to forget what my name and address is. Lived at same address for 12 years and had same name for 38 There are also inquiries on there that don't belong because I have no account with company and did not apply for anything. They can not even use excuse of promotions because I have a 7 year opt out on all three bureaus.

cajunbulldog
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Joined: 20 Dec 2006
Posts: 4863

Debtcc Points: 37660

Posted: Fri Feb 23, 2007 7:31 am Post subject:

Only problem with calling the credit bureaus is either you have to use the automated part or wait on hold forever.

NotsoLucky

Joined: 02 Nov 2005
Posts: 3164

Debtcc Points: 45630

Posted: Sun Feb 25, 2007 10:48 am Post subject:

I did a quick google search and I saw something that said it was a credit card company. But then I saw a reference to them making an external deposit into someone's account. Stan---did you do a google search for the name?

Lorri
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Joined: 27 Apr 2006
Posts: 1576

Debtcc Points: 20250

Posted: Sun Feb 25, 2007 11:22 pm Post subject:

Even I saw a post in the Credit forum that says FIA CSNA credited money in the checking account suddenly! What is this all about?

stella

stella

Joined: 07 Dec 2005
Posts: 513

Debtcc Points: 6104

Posted: Mon Mar 05, 2007 11:52 am Post subject: FIA CSNA

I am on a credit monitoring system and just had an inquiry posted from FIA CSNA. BofA doesn't show running my credit. Does anyone know if FIA CSNA processes cards for any other card company other than BofA?

Cynthia in LA
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Debtcc Points: 100

Posted: Tue Mar 27, 2007 7:44 pm Post subject: FIA CSNA

FIA CSNA stands for FIA Card Services, N.A., I just got a letter from them telling me they are changing the terms of my credit card account (of course it is to make all the penalties and charges stiffer and to reduce grace period, etc. Harsh terms in other words. The only problem is I cannot identify the account they are referring to!!! All they say is account ending in XXXX (four digits). I don't know I have any such account. MBNA used to service Wachovia's credit card accounts. I think FIA came into the picture when Bank of America bought out MBNA. At that point it Wachovia decided to take the credit cards back and not to give them to Bank of America a prime competitor. I believe FIA basically is trying to hold onto the old Wachovia accounts by setting us dual accounts or retaining the old accounts when Wachovia sent out replacement credit card accounts. Now it seems we have 2 accounts only the FIA one is really mysterious and I don't trust them. I have an address to write to: FIA Card Services, N.A. P.O. Box 15718, Wilmington DE 19850. (They don't give a phone number on this letter.)

Bruce in Virginia
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Debtcc Points: 100

Posted: Tue Mar 27, 2007 8:06 pm Post subject: FIA Again Here is a number

I found a phone number for FIA (24/7) 800-655-1491. Just keep pressing zero for a real person or press for a "lost of stolen card" and you will get a live person. It turns out that the letter they sent me had an erroneous credit card number on it. (That kind of bothers me.)

Bruce in Virginia
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Debtcc Points: 100

Posted: Fri Apr 06, 2007 1:14 am Post subject: FIA CSNA

FIA CSNA, is BOFA, and mainly handles BOFA business credit card accounts, and (yes) some personal credit card accounts too.

TJJ
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Debtcc Points: 100

Posted: Mon Apr 16, 2007 12:25 am Post subject:

i work for bank of america... fia card services is the made up name for the body of the company that was formerly mbna. we do still process the accounts for other banks such as wachovia but obviously they are in direct competition with bofa so we use the surname FIA Card Services for these accounts

pc
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Debtcc Points: 100

Posted: Wed Apr 25, 2007 7:19 am Post subject: Is FIA CSNA a fraudulent company?

This company contacted my father saying he owed money. They said that they would deposit the amount owed into his checking account and it would then be withdrawn by Bank of America. Something does not sound right here. If you owe someone money, why would they give you money? Help!

Andi
Guest

Debtcc Points: 100

Posted: Fri Jun 08, 2007 4:58 pm Post subject: Whazzup!!!

Just Looking Here
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Debtcc Points: 100

Posted: Sat Jun 30, 2007 10:12 pm Post subject: FIA CSNA

I was curious about this FIA CSNA because, I too, got a letter from them a while back, about changes in my terms & agreement. Unfortunately, the last 4 digits of the account they reference, do not match any thing I know I have...I did a credit report from TU today, it lists them as being in Newark DE, with a phone number of 800-421-2110. The original documents I got from them, I don't recall seeing a phone number.

Tim in Virginia
Guest

Debtcc Points: 100

Posted: Mon Jul 02, 2007 3:57 am Post subject:

FIA CSNAstands for FIA Card Services N.A. It is a credit card company. Their address is FIA Card Services, N.A. P.O. Box 15718, Wilmington DE 19850