DSNB on a credit report — usually as MCYDSNB, DSNB MACYS, AMEX/DSNB, or VISDSNB — is a Macy’s or Bloomingdale’s credit card account. DSNB stands for Department Stores National Bank, the Citi-owned bank that issued those cards for years, and the abbreviation still appears on reports even though the bank itself no longer exists as a separate company. If the account is yours and accurate, the odd name is all there is to it. If you never opened a Macy’s card, or the balance, dates, or payment history are wrong, the FCRA gives you the right to dispute it with the bureaus and directly with the furnisher, and it holds the furnisher responsible for what it reports.
What DSNB is
Department Stores National Bank was a national bank chartered in 2005 and based in Sioux Falls, South Dakota, with no branches and no employees of its own: according to the Office of the Comptroller of the Currency’s examination records, it existed to issue the Macy’s and Bloomingdale’s private-label cards and their American Express and Visa co-brand versions, as a subsidiary of Citibank. On July 1, 2022, DSNB was merged into Citibank, N.A. — the OCC’s 2024 examination of Citibank records the merger, and federal deposit-insurance records list the bank as inactive from that date. The current Macy’s card agreements filed with the Consumer Financial Protection Bureau are filed under Citibank, N.A. So the tradeline may read DSNB, MCYDSNB, or a Citi abbreviation depending on when the account was opened and which bureau is reporting it, and the company behind it today is Citibank.
Why a DSNB entry can be wrong
A department-store card is one of the easiest accounts for a thief to open with a stolen Social Security number, so a DSNB account you never opened points to identity theft, and the resulting balance can end up with a collector under your name. A store card belonging to a relative or a stranger with a similar name can land on your file as a mixed credit file. Cards that were closed years ago sometimes reappear after a bank merger with a new account number and a fresh open date, which makes an old, resolved account look like a new delinquency; accounts paid off or settled can keep reporting a balance; and the 2022 merger itself is a live source of duplicated or re-aged tradelines, because the same account can be reported under both the old DSNB name and the new Citi name.
The delinquency date a merger cannot reset
The risk with a merged card portfolio is not only that an account appears twice, but that it appears newer than it is. The FCRA fixes the date that controls how long a bad account can be reported. A furnisher that reports an account placed for collection or charged off must, within 90 days, give the credit bureau the date of delinquency: the month and year in which the delinquency that immediately preceded the collection or charge-off began (15 U.S.C. § 1681s-2(a)(5)(A)). The seven-year reporting period for such an account runs from 180 days after that delinquency began (§ 1681c(c)(1)). A new account number, a new issuer name or a new open date after the 2022 merger does not move that date. If a DSNB or Citi line shows a delinquency date later than the first missed payment in the run that led to the charge-off, or a charged-off account is still reporting more than seven and a half years after the delinquency began, dispute it with your old statements attached. The Federal Trade Commission’s notice to furnishers describes the same date-of-delinquency duty.
Make the furnisher mark the account as disputed
A direct dispute to the furnisher does more than start an investigation. Once you dispute the completeness or accuracy of information with the company that furnished it, that company may not furnish the information to any credit bureau without notice that you dispute it (15 U.S.C. § 1681s-2(a)(3)), a duty the Federal Trade Commission’s notice to furnishers also describes. A direct dispute that meets the requirements for one also obliges the furnisher to investigate, review what you sent, report the results to you within the time the bureaus have, and correct inaccurate information with every bureau it reported to (§ 1681s-2(a)(8)(E)). Check your reports a month after you write: a DSNB or Citi line that still shows no dispute notation belongs in the next round of disputes. The duties in § 1681s-2(a) are enforced by regulators rather than by private lawsuit, which is why the bureau dispute, which triggers the furnisher’s enforceable duty under § 1681s-2(b), should go out at the same time.
How to dispute a DSNB account
Pull all three bureau reports, note exactly how the tradeline is named on each, and check whether the same account appears twice under different names. Dispute with each bureau in writing — our credit dispute letter guide covers the format — and send a second dispute directly to the furnisher. Macy’s Credit Customer Service can be reached at 1-888-257-6757 according to Macy’s own customer-service pages, and the card agreement directs written disputes about credit reporting to the address printed on your billing statement; because the issuer changed in 2022, use the address on a current statement rather than one from an older letter. Under 15 U.S.C. § 1681s-2(a)(8) a furnisher must investigate a dispute sent directly to it, and under § 1681s-2(b) it must investigate the dispute a bureau forwards, within 30 days either way. Keep everything, including a bureau result that comes back “verified” — that letter is the evidence.
When it becomes a legal claim
A furnisher that keeps reporting an account as yours after a written dispute, or that reports the same account twice under two names after a merger and verifies both, violates the FCRA’s furnisher duties; a bureau that keeps the item after a dispute violates its own duty to reinvestigate. Both are compensable: actual damages for the credit denied or the rate you paid, statutory and punitive damages where the violation is willful, and attorney’s fees, which is why we handle these cases on contingency. DSNB sits alongside the Citi store-card tradelines on our Citibank credit report page, THD/CBNA, and the issuers in our creditors and lenders directory — and our credit report dispute lawyer practice covers what happens after the dispute fails.
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Published by The Kim Law Firm, LLC — about attorney Richard Kim. Last updated October 2026.