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

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.

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

:? :? :? 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 :shock: :shock: :shock: :shock: 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.

Sub: #1 posted on Fri, 02/23/2007 - 05:48

cajunbulldog cajunbulldog
(Posts: 4859 | Credits: )

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

Sub: #2 posted on Fri, 02/23/2007 - 06:31

Not so Lucky Not so Lucky

(Posts: 3042 | Credits: )

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?

Sub: #3 posted on Sun, 02/25/2007 - 09:48

Lorri Lorri
(Posts: 1721 | Credits: )

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?

Sub: #4 posted on Sun, 02/25/2007 - 22:22

stella stella

(Posts: 488 | Credits: )

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?

Sub: #5 posted on Mon, 03/05/2007 - 10:52


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.)

Sub: #6 posted on Tue, 03/27/2007 - 19:44


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.)

Sub: #7 posted on Tue, 03/27/2007 - 20:06


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

Sub: #8 posted on Fri, 04/06/2007 - 01:14


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

Sub: #9 posted on Mon, 04/16/2007 - 00:25


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!

Sub: #10 posted on Wed, 04/25/2007 - 07:19


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