Sued by Department Stores National Bank? What to Do

Department Stores National Bank is coming after your past-due balance. You can feel the weight of that lawsuit notification.

You have options. You can settle the debt outside of court. But first, you need to file a written Answer to prevent a default judgment.

Stop DSNB's Lawsuit Before Your Deadline Passes

You have 14-30 days to respond to Department Stores National Bank's lawsuit. Miss it and they'll seize your wages and bank accounts. File your Answer now and negotiate settlement on your terms.

Respond to DSNB Now

Your response buys you time. Time to negotiate. Time to settle. Time to protect your assets.

Who Is Department Stores National Bank?

Department Stores National Bank (DSNB) issues credit cards for major retailers. They handle Macy’s and Bloomingdale’s credit operations.

DSNB belongs to Citigroup. They also issue American Express cards for these stores.

Many shoppers don’t realize what they’re signing up for at checkout. That Macy’s card offer is a real credit card application. Your credit gets a hard inquiry. You rack up charges. Payments come due monthly.

Miss those payments? Collections start. Your credit score drops. Sometimes lawsuits follow.

DSNB appears on your credit report as AMEX/DSNB. The full name is American Express Department Stores National Bank.

DSNB has no physical branches. Call the number on your card back for customer service.

Which Stores Does DSNB Collect For?

DSNB collects past-due debts on these cards:

Bloomingdale’s Credit Card
Bloomingdale’s American Express Card
Macy’s Credit Card
Macy’s American Express Card

Collection calls from DSNB confuse many cardholders. The name doesn’t match what’s on your plastic.

Check your credit report regularly. Unfamiliar accounts can tank your score before you notice.

What DSNB Reviews Tell You

DSNB keeps a low online profile. Most customer reviews appear on Macy’s and Bloomingdale’s pages instead.

Check the BBB profile for Citi – Macy’s and Bloomingdale’s Credit Cards. You’ll find patterns in how they handle collections.

Customer service matters here. DSNB may settle for less if you prove financial hardship.

You need to communicate. Silence helps no one.

What to Do When DSNB Sues You

Millions face debt collection lawsuits each year. Most don’t respond. They think it’s too late or feel paralyzed.

Your response directly affects the outcome. Studies prove it.

Your Two Paths

If You Do Nothing:

Ignore debt collectors. They file a lawsuit.
Skip the court summons. Judge issues default judgment against you.
Lose automatically. No defense heard.
Face wage garnishment, bank levies, or property liens.

If You Respond:

Request debt validation. Buy time to verify the debt.
File an Answer. Prevent default judgment.
Negotiate settlement. Possibly pay less than you owe.
Keep control of the situation.

The collector goes to court when calls fail. They want a judgment forcing you to pay.

You receive a Summons and Complaint. DSNB is the plaintiff. You’re the defendant.

You must reply within the deadline. Each state sets different timeframes. Read your Summons carefully. Most states give you 14 to 30 days.

Miss that deadline? You lose by default. Our partner Solo helps you respond correctly and on time.

How to Respond to a DSNB Lawsuit

Gather Your Information First

DSNB usually sues as the original creditor. They own the cards they’re collecting on.

Review everything you have. Check the validation letter they sent. Verify these facts:

Is this debt actually yours?
Who is the original creditor?
Is the amount accurate?
Has the statute of limitations expired?

The statute of limitations blocks legal action after a certain time period. Each state sets its own timeline.

File Your Answer Document

Your Answer is your legal response. You must file it by your deadline.

Follow these steps:

Read every complaint in their lawsuit carefully.
Respond to each complaint separately.
Admit claims that are true.
Deny claims that are false.
Deny claims you don’t understand or lack information about.
Assert your affirmative defenses.
File with the court and DSNB’s attorney.
Keep a copy for yourself.

Your document must meet court formatting requirements. Different courts have different rules.

Our partner Solo creates properly formatted Answers in minutes. They handle court filing too.

Filing an Answer doesn’t erase your debt. It prevents automatic loss. You still need to attend hearings.

Contact DSNB before your court date. Settlement often beats trial. Many collectors accept less to avoid court costs.

How to Settle With DSNB

Nobody plans to default on credit cards. Life happens. Medical bills pile up. Jobs disappear. Emergencies drain savings.

Financial hardship is real. You can still find a way out.

DSNB doesn’t have to forgive your debt. But they don’t want to spend more on legal fees than they’ll recover.

Settlement works when both sides benefit. DSNB gets something. You pay less and move on.

Your Settlement Steps

Calculate what you can actually afford to pay.
Determine if you can pay a lump sum or need payments.
Contact DSNB with your settlement offer.
Negotiate the best possible amount.
Get everything in writing before paying.
Make your payment exactly as agreed.
Confirm the debt is marked as settled.

Settlement negotiations feel overwhelming. Our partner Solo guides you through each step. They negotiate on your behalf.

Prepare for Your Court Hearing

Attending your hearing is mandatory. Skip it and you lose automatically.

Decide your approach before you go. Know what you can pay. Know what you’ll argue.

If you owe the debt, settlement makes sense. Offer less than the full amount. Or request a payment plan to spread costs.

If you shouldn’t owe this debt, present your defense:

You returned the items already.
The credit agreement contained false information.
Mail-order items arrived defective.
The statute of limitations has expired.
DSNB cannot prove you owe the debt.

Most defenses require documentation. Bring receipts, return confirmations, or credit reports.

Expired statute of limitations is your strongest defense. The lawsuit gets dismissed. The debt remains but can’t be enforced through court.

Protect Your Assets Now

DSNB’s lawsuit puts your money at risk. Default judgments lead to:

Wage garnishment taking money from each paycheck.
Bank account levies freezing and seizing your funds.
Property liens affecting your home or car.

You can prevent all of this. File your Answer. Attend your hearing. Negotiate settlement.

The clock is ticking. Your deadline approaches fast. You have the power to respond. You have the right to defend yourself.

Take action today. Your financial future depends on it.

Frequently Asked Questions

What is Department Stores National Bank?

Department Stores National Bank (DSNB) is a Citigroup subsidiary that issues credit cards for Macy's and Bloomingdale's. They handle all credit operations and collect past-due debts for these retailers. DSNB also appears on credit reports as AMEX/DSNB.

How do I respond to a DSNB lawsuit?

You must file a written Answer with the court within your state's deadline (typically 14-30 days). Read each complaint in the lawsuit, respond by admitting, denying, or stating you lack information, assert your defenses, and file copies with both the court and DSNB's attorney.

Can I settle my debt with DSNB for less than I owe?

Yes, DSNB often accepts settlement offers to avoid court costs. Calculate what you can afford, contact them with your offer, negotiate the amount, and get the agreement in writing before paying. Settlement is most successful after you've filed your Answer to the lawsuit.

What happens if I ignore a DSNB lawsuit?

Ignoring the lawsuit results in default judgment against you. DSNB can then garnish your wages, levy your bank accounts, or place liens on your property. You lose the ability to defend yourself or negotiate better terms.

What is the statute of limitations for DSNB debt collection?

The statute of limitations varies by state, typically ranging from three to ten years. If the time limit has expired, the debt becomes legally unenforceable through lawsuits. Check your state's specific timeline and when you last made a payment on the account.

Sued by Department Stores National Bank? Here’s What to Do