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

:? :? :? 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.

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

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?

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?

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?

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.)

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.)

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

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

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!

:D

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.

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

This has showed up on my credit report and I'm trying to find out what this is

FIA CSNA showed up on my credit report and I'm trying to find out what this is?

Hi Paul

You should immediately notify the bureau in writing about the FIA CSNA listing in your report. Under the Fair Credit Reporting Act, the credit bureaus must investigate the accuracy of the information and give the consumer the written result within 30 to 45 days with an updated copy of your credit report.
You can file a dispute online, by certified letter with a RRR or even over the phone. A dispute letter should include:
1. Your complete name, SSN and date of birth
2. The name of the company and the account number of the disputed listing.
3. Explanation for your dispute and a request for correction.

Do not forget to dispute the information with FIA CSNA. Request them to verify the debt.
You have to be persistent; if the credit bureau does not respond to your first dispute letter, then send them a demand letter. Do not ignore mistakes in your report, they can seriously dent your score.

If you do a search on any pair of the names (FIA = 'FIA Card Services') you will find a series of links to agreements (filed with the SEC and FDIC) that essentially allowed FIA to 'service' credit cards bearing the names of other banks. Over time and through a series of very hard-to-follow deals, the "branded" banks (Wachovia, in my case) began to distance themselves from FIA Card Services and quite a nasty web of small dirty tricks -- apr's that crept up by the month, over and above changes in the prime, shifting due dates so as to create late fees, completely noncompetitive changes in terms and, worst of all, a complete severence from the issuing bank, utterly without agreement by the cardholder, so that your friendly old bank could no longer intervene on your behalf to fix the atrocities that FIA was pouring all over you and then finally, breaking loose the credit card, still bearing your old bank's logo, from the on-line banking services that your bank probably offers.

Wachovia has been promising a clean break for more than two and a half years but now that such appears to be imminent, their new card is hardly a lick better than the frankencard that FIA had created.

Much dirt along the way, with MBNA and FIA shuffling control, ownership and indemnity back and forth like two warty toads with a frotage fetish while the regal banquers, [your big bank] and BoA, danced on the grave of customer service.

In a rare fit of candor, someone up the foodchain at Wachovia, tired of my fairly well-researched questions, admitted that his bank had taken quite a few million in skunky handshakes to get loose of the clearly disreputable, if not blatantly illegal, actions of the dirtballs. Not, however, before some of the stench rubbed off, as the cards bearing Wachovia's name are still around.

And, yes...I had a charge dated 7/9 from VIP TUNE Limmasol CY on that same card for $19.99. However that is reolved (as in, nicely, quickly and with apology), I think a class action suit might be in order.

Quite an irony that the bogus charge would bear such a shamelessly stupid name as VIP TUNE. I think that tune has already been played in one too many boardrooms and can be named in just a few notes.

Don't know what the hell this was all about, but here's what I did:

1. Got letter in mail from FIA Card Services to a card ending with number xxxx.
2. Went to the free annual credit report web site and got an experian credit report. Found the entry with the first 12 digits of the credit card number.
3. Called the FIA (24/7) 800-655-1491 number.
4. Pressed zero until I got an operator.
5. When operator asked for the card number, I used the first 12 digits from my credit report and the last 4 digits on the FIA Card Services mailing.
6. TOld them to close the account.
7. They told me they are going to mail out a confirmation letter.

After puzzling over an account for FIA CSNA (which appeared to have been an account for 10+ years - I've never heard of the place), I made a phone call & found out they took over former SunTrust accounts. :) Hope this helps someone else...

Philadelphia 23 year old female:needs me
I recieve a direct deposit from FIA CSNA of 3,800 I was very curious where did this money come from? Did payroll make a wrong transaction? WELL i had went to my bank(Bank of America) and ask for a read out and print out also when was the last deposit,and they check my information and said there's nothing wrong but the last deposit was yesterday of friday...from fia csna..the person doesn't know that company, couldnt help me neither.I told her I dont know where that is coming from?I THOUGHT bank of america would know,but no.I then went home wasn't satisfied and call the credit card and was transfer into the checking account dept he had request and did some more research what is fia csna and where it's coming from.He told me dont spend the money keep track of your money how much you have.He say he will get back to me in 1-2 business days.Can anyone tell me how I got into this position?Why me? It seem so good to be true to have free money,but nothing is free..when later on it catches you back of oweing it.....HELP ME~!!!

I just have my credit report checked and FIA CSNA with the amount of $15k showed up. I was shocked as I know I never had a credit card and especially with that amount. There is no information on the credit report such as phone numbers etc. So, I came across this site. I called the 800 number and it was with BOA. And they told me, they have nothing on me. So, now I am confused and worried. How and where do I get further information regarding this? Have my identity been stolen?!!!

Same problem. Trying to figure out which card it is. Was MBNA, then it was taken over by Bank of America. I plan to lose this card. No notification outside of Credit Reporting. They single-handedly dropped my credit score by 50 points. :x

:oops: I READ THROUGH THIS INFO POSTED AND I HOPE IT WORKS BECAUSE I TOO RECEIVED A STATEMENT SHOWING I OWED MONEY TO THEM AND IT IS AFFECTING MY CREDIT !

Two weeks ago I had my credit run from TransUnion and an account showed as FIA CSNA with me being "current" but owing an incredible (for me) balance of 22.5K on a revolving credit line of 21K. Either this is a single scammer in the company but I suspect it is a common company-wide scam job. In Nov 2007 they put 21K into a credit card of mine which had a zero balance making it now (-21,000). They were content to hide out for almost 4 months without contacting me while they racked up $1500 additional balance. So a couple of weeks ago I tell TransUnion I have no idea who FIA CSNA is and the woman asks if I want them contact to contest the account. Well, of course now "Card Services" is calling me daily by automated message asking for $1000+ for a "late account".
Needless to say, I'm livid. This is identity theft.
I am filing a report with the local police tomorrow. If anyone has other good advice please let it be known so these disgusting theives can be stopped. :evil:

i have fia csna on my report, iam tensed, am i victim of id theft? bcoz i dont remember doin any business with them. help

they pulled my credit couple days ago, don't remember applying for anything,weird.
will call them tommorow,and i am gonna post whatever happens here

FIA CSNA IS AFFILIATED WITH BANK OF AMERICA. THIS SHOWED UP ON MY CREDIT REPORT AND IT BROUGHT MY SCORE DOWN. I CALLED BANK OF AMERICA CREDIT CARD SERVICES TO SEE IF IT WAS THEM WHO DID AN INQUIRY AND THEY SAID YES. THEY SAID IT WAS A MISTAKE AND IT JUST SHOULD OF BEEN A SOFT INQUIRY WHICH DOES NOT EFFECT MY CREDIT SO THEY ARE NOW REMOVING THIS FROM ALL THREE CREDIT REPORTS. SO CALL BANK OF AMERICA AND SEE IF THEY DID AN INQUIRY AND IF THEY DID ASK WHY AND THEN U CAN SOLVE UR PROBLEM. THEY ALSO TOLD ME THIS HAS NOTHING TO DO WITH ANY IDENTITY THEFT. SO HOPE THIS WILL HELP ANY ONE

You might find this helpful
http://www.debtconsolidationcare.com/credit-report/fiacsna.html

I call the phone number 800-655-1491 and gave my ss#... they found nothing... then I asked for a credit card acct I share with my husband from Wachovia and voila!!

Bank of America services a lot of other bank's credit cards, so it wouldn't show up as BAC on your credit report. If you have a Bank of America credit card, it will show up as either Bank of America NA or FIA CSNA

STAY AWAY!! My son who is in his early twenties received a credit card branded Harris Bank managed by FIA Card Services. He moved and missed a payment. My son and I have the same first and last name but different middle initial. FIA Card services uses a collection agency called ACT Collection Services in Kansas City. ACT Collection Services uses a third party service obviously from India. I received a phone call asking about a card that I did not own and after a few phone calls, established that it was not mine but my sons. I told them that I would contact my son and that they should no longer call me as he does not live here and is on his own. The phone calls continued - ACT continued to call my wife's business line and any relatives who shared our same last name. This morning I recweived a call again from a person from India who told me "we are going to keep calling you until we hear from your son." That was it for me - I called and spoke to people from ACT, FIA CSNA, BAnk of America (who I believe owns FIA), and will contact Harris Bank. No relatives of a cardholder should be harassed that way. I am reporting them to the state's attorney and will continue to spread the word about these practices. My advice is to stay away from or cancel any credit cards managed by FIA Card Services.

One of their employees has been stalking me by phone-not sure why. I reported it to them and they did nothing.

I reported it to the local police and that really got their attention! FIA AND the employee are now targets of criminal investigations. The employee for stalking and FIA for not doing anything about it.

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.

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?

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

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?

Quote:

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

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

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?

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?

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