CCSMC Spectrum/CBSD showing up on my credit report – why?

ccsmc spectrum/cbsd definitely showing up as newly opened accounts, or could they be existing/old accounts that have been purchased by these creditors?

I'm sure you probably know the drill of going through the dispute process with the credit bureaus. Other than that, maybe contacting the credit bureaus directly to find out what you can do, and also looking on the FTC website for answers.

I also received a notification from my credit monitoring company that CITIBANK USA,NA/CCSM opened a new account.

Does anyone know why exactly this is happening and what steps to take to make sure this is not a fraudulent case. Why is ccsmc spectrum/cbsd on my credit report?

I had the same thing happen to me. CITIBANK USA,NA/CCSM opened an account under my name. How do we contact them?

If you go to Citibank's website, I'm sure you'll find contact info for them. Call them and see if you can get any info. n ccsmc spectrum/cbsd

What is this? I recieved notice from my credit monitor stating a new account has been opened. Idid nto open this account. Can someone please give some direction.Account is CCSMC SPECTRUM/CBSD

Did you read original post? Looks like Jerome is having the same problem as you. You may have to dispute the account with the credit bureaus. If this is not an account of yours, seems like there is some identity theft going on with this CCSMC SPECTRUM/CBSD.

I called citibank 800-374-9700 and asked them to get that account deleted and notify all of the credit bureaus to remove ccsmc spectrum/cbsd from my credit report.

I was just notified by Transunion that this account was opened. Who is CCSMC Spectrum/CBSD, if anyone has found out yet?!! Thanks!

The only thing i can think of is someone mentioned here the other day that ccsmc spectrum/cbsd is due to Citi bank had bought out someone else and were transfering all credit cards over to Citi. Could this be it?? Just seems weird that all these people are having new accts opened by Citibank!
Hope this may help,
Ang

Ang, I think you are probably right. There is another large thread about citibank and reporting to credit bureaus but not on ccsmc spectrum/cbsd. They must have recently started their reporting for the new accounts they bought.

Phillips Union 76 Gas Cards have been transferred to Citibank. I don't think there is anything to worry about. Anyone else have a gas card with them and getting alerts?

Informed by Trans Union acct opened in my name - Citi Bank sent me a credit card which I did not apply for and it has the same acct# as the alert from Trans Union.

Sometime ago Macys sent a Letter saying if i do not ue their card, they will send me a Citi card. Is this the same.

Ahh that's who it was that i read about, Macy's!! That's where the Citibank comes into play here! ccsmc spectrum/cbsd is reported due to them.
Hope this helps u guys,
Ang

I too had ccsmc spectrum/cbsd accounts on my Transunion report. I called them and found out my old Macy's account was transferred to this company(believe its CitiBank)
Anyway, the contact # is 866-510-2761. I got an operator on the phone in seconds and verified this was NOT ID fruad

I called CitiBank customer service and was told about Macy's also. The cards will be coming between now and November.

Thanks for posting that info. I'm sure it will help others who have discovered the new account on their credit report.

thanks everyone for your help

yes, CCSMC SPECTRUM/CBSD is former MACY's cards now controlled by Citibank.

the number to call to cancel is 866-510-2761

the woman was nice and cancelled the account over the phone, no questions asked.

Iwas able to contact Spectrum and was told they bought an old Macy's card account and used info to open Spectrum account. I was told they would close the new account.

I received what I thought was an unsolicited credit card (MasterCard) from CitiBank about a week ago. I immediately opted to not accept the card. Contacting the 800 number on the back of the card today to see if I could solve the mystery of how an opening of a "new account" on my TransUnion service I found that I had received a "notice" from CitiBank (among the many other CitiBank solicitation mailings) that my Macy's account would be converted to a CitiBank account unless I responded back to the notice. In my case the new account was a conversion of a Macy's account. I was told that the fact that I had not activated the account would catch up at the credit bureau in a few days.

I was alerted by Equifax about a new account that was opened in my name, CCSMC - Spectrum/CBSB, and learned that Citicorp, the "owner" of the Macy's card switched the Macy's card to a Master Card. I was told that a letter had been sent to Macy's card holders alerting them to the change but the letter apparently looked like a credit card solicitation that many (like me) threw away. The was also a MAJOR problem with the letter. It said that unless you mail it back indicating you do not want this Citicorp Mastercard they will send it to you, rather than asking you to indicate that you wanted it. Thus, there will probably be thousands of people receiving new Mastercards they did not ask for and do not want. Hope this clarifies the matter, although it's a shame it's going to keep the folks at Equifax and Transunion unnecessarily busy answering questions about this matter.

So its a Macy's card?

I too had this pop up on my credit monitoring and was kind of scared about what it was. I am about to start apartment hunting and dont need any type of drama.

I once had a Macys card, so thats what I suspected. The thing is I called up Macy's and they said the account was closed. So what is Spectrum/CBSD?

Nevermind. I was calling Macy's. I just called the number posted above (which is actually CITI) 866-510-2761 and they also cancelled the card with no problems.

Whew... that had my heart thumping the first time I saw that. Glad its cleared up. Thanks everyone.

Its good to see alot of us immediately knew, searched, or were notified of an opened account almost immediately.

This shows that more people in our country and becoming aware of the identity theft problems. I found out 3 days after it was opened on 9/28 just by a random check I do to screen my credit report.

Please someone tell me that just by calling this # 866-510-2761 will clear this all up with no after headaches. I've worked to damn hard to get my credit looking good again to be screwed by a dept. store or bank. I thought it was identity thieves at first, but now to find out it????????s a firm or bank doing this is wrong and they need to be reported.

I just got iff the phone with Citibank Customer Service. Apparently Citibank is taking over Macy's credit card operations and anyone with an open Macy's account will be getting a new Citibank Card soon.

Citibank took over old cards, including Macy's. Call 1 866 510 2761 and they should be able to explain and cancel account if that is what you want.

I have the same thing going on, a new account opened on my credit report...I think it's the Macy's card being flipped to Citibank, but the thing is..I have never received the card in the mail. Now what do I do?

How can Citi Bank open an account in my name with all my information without my permission? Wouldn't this be illegal? If it is, how can I prosecute? Isn't that why state and federal prosecutors exist, to protect the public?

Paul V you are a lifesaver! I just called the number you provided, 866-510-2761, and spoke with an operator. It turns that this is an upgrade on my Macy's account to a Citibank/Mastercard - which I'm not thrilled about, but at least I was able to talk to someone to get this straightened out! If you call Citibank from the numbers listed on the website or call Macy's, neither of them will have this information, it will appear that you don't have an account with either company. But if you call this number and basically keep pressing "0" until you reach an operator they can tell you what's going on with the account and send you a new card or even close the account if you wish. The operator I spoke with advised that no activitiy had been reported on my card and that it hadn't even been activated yet. I just had her send me a new one so I can handle it from there...just wanted to let you all know before you go through the trouble of a dispute!!! It took me about 10 minutes and got it wrapped up!

The mystery card finally showed up in my mailbox. The card now comes with a number (800) 432-0282 that is only used to close the account. It works exactly like the activate number where a machine on the other end asks you to enter the card number then tells you the account is now closed. It then hangs up. There was no opportunity to express how angry I was about this situation.

I had the same issue with the Macy's to Citibank think.

After talking to five different people and being on hold for a total of 25 minutes I got to a person who could cancel the account. The direct number to that department is 866-510-2761.

Once there is only took about 30 seconds. You will have to give your social security number, but that is par for the course.

Good luck everyone!

Just got a TransUnion report that shows these low-lifes opened an account in July of last year in my name. IT IS NOT a transferred account because I have only had one credit card for that past 22 years. CITI are scum! I'm filing with FTC over this.

First I want to thank everyone that posted this messages, it was a big help, since it happen to me too. After I called TranUnion to place a IDtheft, I found this site, and it fixed my problem. Since Citibank owns Macy's card, if you don't use the card over two years(that's in my case)they'll close your account and consolidate that card with a master card in this case Spectrum. So my suggestion is if you have a Macy's card and don't use it, cancel it before they'll do it for you and send you a master card or visa.Thanks a lot everyone

I'm having this problem NOW. According to my credit montoring; an account was opened up this month (6/2008); I was told that it was Macy's. I have never opened up an account with Macy's. It shows my balance is 0; also, I called Macy's and they do not have anything with that card number and/or my name. What's going on?? Help!

Wow; thanks everyone! My Citi card was tied in to Radio Shack which they sent me another one because I closed the account; go figure. Anyhow; I called the Citi phone number given here (Thank you!!! :D ), and closed the account. I thank you so much! I was hoping that I wouldn't have to deal with TransUnion as I've heard so many terrible stories.
Take care!

I got the same alert and called the number on my credit report. I was told that Citibank issued a new credit card to replace an old card that was inactive. The reason they gave me was that they did not want me to lose the available credit-which I translated to mean they want to encourage me to spend. They did say that a notice was mailed to me within the last two weeks to advise me of the new card-but that it was possible I had not yet received the card (which I have not).

In the last two days, I have had 'new' CCSMC Spectrum/CBSD and Citibank USA NA/ccsm accounts shown up on my credit report too.

Any thoughts? I do not have other accounts that Citi could have purchase, etc.

ID Theft?

If you have one of the following (CITIBANK USA,NA/CCSM,
PRISM/CBSD or CCSMC SPECTRUM/CBSD) and have a Macy's card don't worry. I called our credit monitoring service. Macy's sold there account and depending on what credit service you use (Equifax,Experian, orTransuion) the new account will show up under different names. Look at your lates Macy's bill or call your credit monitoring service...it took me 5 minutes to get an answere.

I got the alert today as well. After reading these posts it made sense to me except I've never had a Macy account. I called the number and found out it was a Citi dividends MC that had been converted to this new card. Nice of them to let me know about it though- never recieved any info in the mail.

my recent credit report showed 3 new accounts opened in 6-2008 and we do not have anything outstanding with citibank.
called citibank 8-19-08 and they advised would do an investigation and contact us within 7-10 days.

I also have received information through my Identity Theft Protection insurance that Citibank USA, NA/CCSM, CCSMC Spectrum/CBSD and PRISM/CBSD just opened accounts in my name. I am getting these alerts about twice a week. I just put a fraud alert on for Equifax, Experian, Tranunion to call me before anything can be opened in my name.

how so i send a certifide letter for a vod to a po box #? is there a real address to this company?

You can send it to a P.O. Box, the post office will leave a card in their box informing them they will need to pick up the certified mail at the window as they will have to sign for it.

CCSMC SPECTRUM/CBSD showed up on my TransUnion credit report. On Equifax, it was CITIBANK USA, NA/CCSMC-SPEC and on Experian it was just CITI. Each one had a different reporting address. Totally confusing.

Thanks for the contact info so I could take care of this. What happened in my instance is that my pre-existing HomeDepot account which was unused for a while was cancelled without notification and then they took it upon themselves to open me a new account with CitiBank so they could keep my business. So nice of them to take care of all this WITHOUT ASKING MY PERMISSION!!! So I called them (1-866-510-2761) and had the account closed. Unbelieveable!

Thanks for the contact info so I could take care of this. What happened in my instance is that my pre-existing HomeDepot account which was unused for a while was cancelled without notification and then they took it upon themselves to open me a new account with CitiBank so they could keep my business. So nice of them to take care of all this WITHOUT ASKING MY PERMISSION!!! So I called them (1-866-510-2761) and had the account closed. Unbelieveable!

Thanks for the contact info so I could take care of this. What happened in my instance is that my pre-existing HomeDepot account which was unused for a while was cancelled without notification and then they took it upon themselves to open me a new account with CitiBank so they could keep my business. So nice of them to take care of all this WITHOUT ASKING MY PERMISSION!!! So I called them (1-866-510-2761) and had the account closed. Unbelieveable!

I just got this too. Discovered that Citi bank took over my Home Depot credit card. All of you may have experience the same with either Home Depot or some other card. Hope this helps.