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.
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 September 2026.