If you believe you are getting repeated, unwanted calls or messages tied to your credit union card account, you can often stop the pressure faster by (1) verifying who is contacting you, (2) moving the issue into writing, and (3) keeping a clean evidence file before you discuss payment or personal details. This guide focuses on how to reduce and stop TNB Card Services Harassment, including what the company appears to do, how to confirm contact details, and what legal protections may apply depending on the facts.
Not legal advice: This article is general information. Laws and options can vary by state and by the type of account involved. If you think your situation might violate federal law, consider speaking with a qualified consumer attorney.
Table of Contents
- Who is the company
- Why they may be contacting you
- What to do if they are calling you
- What they say they do
- What harassment can look like
- When contact could potentially cross the line
- What to do if they mention legal action
- What to do if the account is legitimate
- Your rights under federal law
- How to reduce calls, messages, and confusion
- Reviews and where complaints show up
- Get help
- Conclusion
Who is TNB Card Services?
This is described in public business and industry materials as an electronic payments processing provider that supports credit union card programs, including credit, debit, ATM, and related servicing functions.
Some business directories list Worldpay, LLC as the legal entity operating under the trade name “Tnb Card Services,” which suggests the brand may be associated with the Worldpay corporate family.
In July 2010, Fifth Third Processing Solutions announced it had acquired the assets of TNB Card Services from Town North Bank and described the business as servicing hundreds of credit unions and supporting millions of credit and debit accounts.
You may encounter the name in connection with a credit union issued card, an account portal, or a dispute workflow rather than through a traditional third-party debt collection letter. If you do not recognize the account or the reason for contact, treat it as a verification problem first.
Why TNB Card Services may be contacting you
They may contact you for reasons that are not “debt collection” in the classic sense. Common, legitimate scenarios could include:
Card dispute or chargeback support
If you think a charge is unauthorized or incorrect, some credit unions instruct cardholders to send dispute documentation to a dispute department connected with TNB Card Services.
Fraud or account verification
A call or message could be an identity or fraud verification attempt. Even then, do not share full SSNs, banking credentials, or one-time passcodes unless you independently confirm the caller through a trusted channel.
Past-due account outreach
If a credit union account is past due, contact may be about repayment or account status. Whether federal debt collection rules apply depends on who is calling, who owns the debt, and whether the caller meets the legal definition of a “debt collector.”
Wrong-person or wrong-number issues
If you believe the contact is for someone else, that could indicate a data mismatch, recycled phone number, or a scammer using a known company name to sound legitimate. Your goal is to stop phone contact while you force clarity in writing.
What to do if TNB Card Services are calling you
If TNB Card Services is calling you and the contact feels repetitive, confusing, or aggressive, use a proof-first workflow that reduces risk.
Step 1: Let unknown numbers go to voicemail
Voicemail captures what was said and can help you identify whether it sounds like a legitimate servicing call or a scam attempt.
Step 2: Ask for written details, not a phone argument
Use one sentence: “Please send me the details in writing.” If the caller refuses to provide a mailing address or a written explanation, that could indicate a problem.
Step 3: Verify through your credit union, not through caller ID
Caller ID can be spoofed. If the issue relates to a credit union card, contact your credit union using the phone number on the back of your card or your official statements to confirm whether they use TNB Card Services for processing or disputes.
Step 4: Start an evidence log
Keep a simple log with date, time, incoming number, what was said, and what you responded. Save screenshots of your call log and keep copies of letters and envelopes.
Step 5: Do not pay or “verify” until you have matching documentation
Scammers often pressure quick payment. If you think the matter might be legitimate, request itemized information and confirm the creditor identity before you send money.
Quick checklist to lower risk
- Do not confirm your full SSN or banking numbers by phone.
- Do not click payment links sent by text if you did not request them.
- Do not rely on “urgent” threats without written proof.
- Keep every voicemail, email, and letter in one folder.
What they say they do
Public descriptions of TNB Card Services emphasize payment processing support for credit unions, including credit, debit, ATM processing, and related portfolio or program services.
A separate consumer-facing disputes workflow may be referenced by some credit unions, including an online portal for disputing charges and a dispute department mailing address.
Because these touchpoints can resemble collection contact or fraud contact, it is reasonable to slow down and verify the purpose of the communication before you take any action.
TNB Card Services Contact information
Use the phone number and address printed on your official statement, dispute form, or credit union instructions first. If you are cross-checking, the explaining details below appear in public business profiles and a credit union dispute instruction sheet.
Address and contact details
| Category | Details |
| Business listing address | 4455 LBJ Freeway, #400, Dallas, TX 75244 |
| Business listing phone | (972) 391-6400 |
| Dispute department mailing address (credit union dispute instructions) | TNB Card Services Dispute Department, P.O. Box 815909, Dallas, TX 75381 |
| Dispute fax (credit union dispute instructions) | 972-391-6785 |
| Online dispute portal referenced by credit union instructions | Go-to-my-Card dispute portal |
| BBB listed business profile for the portal name “Go-to-my-Card” (cross-check) | Mailing address and toll-free phone are listed on the BBB profile page |
TNB Card Services Phone Number: how to verify the right callback line
The safest TNB Phone Number to call back is usually the one on your credit union’s official documents or the dispute instructions you received. A public business listing shows (972) 391-6400, and some dispute instructions reference a separate dispute workflow tied to the Go-to-my-Card portal.
Important: collectors and scammers can spoof real numbers. If you think the call is suspicious, hang up and call your credit union directly using the number on your card.
What TNB Card Services harassment can look like
TNB Card Services Harassment is usually about patterns, not one call. If you believe the contact you are receiving is excessive, misleading, or designed to pressure you without clarity, your documentation is what matters.
For third-party debt collectors, federal rules include specific call-frequency presumptions. Regulation F states that placing calls more than seven times within seven consecutive days about a particular debt, or calling within seven days after a telephone conversation about that debt, is presumed to violate the rule.
Whether those exact presumptions apply to your situation depends on who is contacting you and whether they are acting as a “debt collector” under the Fair Debt Collection Practices Act (FDCPA). The FDCPA generally applies to third-party debt collectors, not every company that calls about an account.
Examples that could indicate a problem (depending on the facts)
- Repeated call attempts that feel designed to annoy or pressure
- Calls that continue after you clearly request mail-only communication
- Requests for sensitive information before providing written details
- Threat language that sounds definite but lacks any paperwork
- Wrong-person contact that continues after you dispute the identity
If you believe these patterns are happening, preserve your call log and voicemails before you try to “solve it” on the phone.
When contact could potentially cross the line
If you think the conduct is moving from normal servicing contact into pressure tactics, focus on concrete behaviors you can prove.
Behaviors that might violate federal rules (if the caller is a covered debt collector)
The Fair Debt Collection Practices Act (FDCPA)restricts harassment or abuse and deceptive practices by debt collectors.
Regulation F adds measurable call-frequency presumptions that may help you document patterns.
Behavior that may also signal a scam, not a legitimate company
- Demands for gift cards, crypto, wire transfers, or unusual payment methods
- Threats of arrest or immigration consequences
- Refusal to provide a mailing address or written validation information
- Pressure to pay immediately “to stop the lawsuit” without case details
If you believe you are dealing with a fake or abusive collector, the FTC warns consumers to request validation information and be cautious about threats and pressure tactics.
What to do if TNB Card Services mention legal action
If TNB Card Services mentions a lawsuit, judgment, garnishment, or court paperwork, treat it as a reason to slow down and verify.
What to do right away
- Ask for the court name, case number, plaintiff name, and filing date.
- Request the information in writing.
- If you receive real court papers, respond by the deadline.
The FTC advises that if a debt collector sues you, it is important to respond rather than ignore the lawsuit.
A voicemail is not proof of a lawsuit. Court papers are. If you are unsure whether documents are real, check the court’s docket or ask a consumer attorney to review what you received.
What to do if the account is legitimate
If the communication matches your records and you decide the account is legitimate, treat payment or resolution as a controlled process.
Payment safety checklist
- Get the terms in writing first (amount, due dates, any settlement terms).
- Pay only through a verified method listed on official documents.
- Save receipts, confirmation numbers, and settlement letters.
If you cannot get clear written terms, it may be safer to pause and get advice before sending money.
Your rights under federal law
Your rights depend on who is contacting you and why. Still, the same evidence-first approach is helpful in almost every scenario.
FDCPA: limits on third-party debt collectors
The FDCPA prohibits abusive, deceptive, and unfair practices by covered debt collectors.
Regulation F: modern communication rules
Regulation F considers call-frequency patterns and includes a call-frequency presumption for certain debt collection calls.
FCRA: credit reporting disputes (if reporting is involved)
If you believe a credit reporting entry is inaccurate, you may dispute it with the credit bureaus and keep records of what you sent and when. A consumer attorney can help you assess deadlines and documentation.
TCPA: robocalls and texts (fact-specific)
If you think you received autodialed or prerecorded calls or texts without required consent, TCPA issues could be relevant. These cases are highly fact-specific, so documentation matters.
How to reduce TNB Card Services calls, messages, and confusion
The fastest way to reduce contact is to create a paper trail and make your boundaries clear.
Use a short script on the phone
“I’m requesting the details in writing.” Repeat once. Then end the call.
Send a written communication request
Ask for mail-only communication, dispute instructions (if applicable), and the identity of the company and the account owner.
Build an evidence file
Save:
- Call log screenshots and voicemail files
- Letters and envelopes
- Copies of disputes or requests sent
- Certified mail receipts if you use certified mail
- Payment confirmations if you pay
Check your credit union account trail
If the issue involves a credit union card, compare the claim to:
- Your statements and transaction history
- Any dispute forms you submitted
- Any letters from your credit union about fraud or chargebacks
TNB Reviews and where complaints show up
TNB Card Services Reviews may be limited because many consumers interact with their credit union, not the processor directly. The Manta listing for the Dallas location shows “Reviews (0)” at the time of crawling.
Still, you may see feedback in public business listings or in discussions about the dispute portal referenced by some credit unions.
TNB Card Services BBB and complaint research tips
If you are searching for TNB Card Services BBB information, you may find a BBB profile under the portal name “Go-to-my-Card,” which lists a mailing address and phone for that portal brand.
Read complaint themes carefully. A complaint is an allegation, not proof, but repeated themes can help you decide what to document.
TNB Card Services Customer Service: what to ask for
When you reach TNB Card Services Customer Service through a verified number, keep the call short and focused:
- Ask what account or dispute the contact relates to.
- Ask for a mailing address and written documentation.
- Ask what documentation they need from you and by what deadline.
- Write down the representative’s name and a reference number.
Get Harassment help
If you believe the TNB Card Services contact you are receiving may violate your rights, a consumer-focused law firm can help you respond with a documentation-first plan and reduce stress.
Consumer Rights Law Firm PLLC focuses on matters involving the FDCPA, FCRA, and TCPA and can review call logs, letters, and account records to evaluate what options may fit your facts.
Consumer Rights Law Firm PLLC contact information
| Item | Details |
| Name | Consumer Rights Law Firm PLLC |
| Address | 133 Main Street, Second Floor, North Andover, MA 01845 |
| Phone | +1 877-700-5790 |
| help@consumerlawfirmcenter.com |
Success stories
Consumer Rights Law Firm is amazing! Derek was A+ all the way getting a Debtor to stop harassing me & even had them pay the court costs & fees! I am flabbergasted- had to pinch myself even!!! Thank you SO much Derek! Would most definitely recommend this firm to anyone who is going through the same thing. Give them a call!
Conclusion
If you believe you are dealing with TNB Card Services excessive calls tied to a credit union card issue, your best move is rarely a long phone debate. Verify who is contacting you, move the matter into writing, document every attempt, and respond to real paperwork on time. If you think the conduct could potentially violate federal law, Consumer Rights Law Firm PLLC can help you evaluate next steps.
Not legal advice: For guidance on your specific situation, consult a qualified attorney.
FAQs About TNB Card Services
Why am I getting calls that mention TNB Card Services?
If you believe the calls relate to a credit union card program or dispute workflow, verify it through your credit union first. Ask for written details and avoid sharing sensitive data until the contact matches your records.
What is the safest TNB Card Services Phone Number to call back?
If you think a call is legitimate, use the number on your credit union statement or dispute form. A public listing shows (972) 391-6400, but you should still confirm through your credit union before sharing information.
What is the TNB Card Services Address for disputes?
Some credit union dispute instructions list a dispute mailing address as P.O. Box 815909, Dallas, TX 75381. Use the address on your documents and keep copies of everything you send.
What if I think the calls are TNB Card Services Harassment?
If you believe the pattern is excessive, save call logs, request mail-only contact, and stop discussing details by phone. If the caller is a debt collector, repeated calls may be limited by federal rules depending on the facts.
Where can I find this company reviews?
If you are looking for TNB Card Services Reviews, start with public business listings and any portal name referenced on your dispute documents. Read themes, but treat reviews as allegations and focus on what you can document.
Is there a TNB Card Services BBB listing?
If you search for BBB, you may find a BBB profile under the portal brand “Go-to-my-Card.” Use it only as a cross-check and confirm details through your credit union or official paperwork.
What should I ask the TNB Card Services Customer Service?
Ask what account or dispute the contact relates to, request a mailing address, and ask for written documentation. Write down the representative’s name and a reference number, and keep the conversation short.
Can they sue me or garnish wages?
A company or creditor might sue under certain conditions, but threats are not proof. If you receive real court papers, respond by the deadline and consider legal help to avoid a default judgment.
How can Consumer Rights Law Firm PLLC help with harassment?
They can review your call logs, letters, and account records, help you plan written communications, and assess whether the facts may support a claim under consumer protection laws.
How do I stop calls quickly today?
Let unknown numbers go to voicemail, request written details, and verify through your credit union. If calls continue and you believe the pattern is abusive, keep documenting and consider speaking with Consumer Rights Law Firm PLLC at +1 877-700-5790.
